vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I just received a notification that a collection was added to my credit report. I have no knowledge of this company nor I have ever received any services. I was never notified via mail or otherwise of me having any possible debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a mortgage with Wells Fargo back since XXXX and have never missed a payment. In XX/XX/XXXX I went to the branch located in XXXX  XXXX CA with my payment slip, as I always do each month to make my payment at a Wells Fargo branch. The bank teller could not locate my loan in the system. A bank manager made a few phone calls and discovered my loan had been sold. I never received any written notice from Wells Fargo my loan had been sold. While I was at the back I talk to a person name XXXX, who gave me an address to mail my XXXX payment to ( which that address did not exist ) and she also told I would receive a letter from Wells Fargo and a new loan welcome package. I never received either. The only information I received was a one page letter dated XX/XX/XXXX from XXXX stating they didn't have any information other than the owner of my loan is XXXX XXXX XXXX XXXX XXXX and they would review the matter and I would receive information from them within 30 days. As of XX/XX/XXXX I have not received any information from XXXX XXXX XXXX XXXX XXXX, Wells Fargo or XXXX. I have sent several certified letters to XXXX, Wells Fargo and XXXX XXXX XXXX XXXX XXXX but no one has responded. I sent several letters to Wells Fargo Including my XX/XX/XXXX thru XX/XX/XXXX mortgage payments at : Wells Fargo Home Mortgage XXXX XXXX XXXX, XXXX XXXX, IA XXXX and Wells Fargo Home Mortgage XXXX XXXX XXXX, XXXX XXXX, IA XXXX I also sent a certified letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my XXXX mortgage payment inclosed and a copy of the letter I received from XXXX dated XX/XX/XXXX. I never received a response to my letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have had to call USAA every single time i have a transfer or deposit made to my account to make them " refresh my account '' ( their words ) in order to access my funds. I live paycheck to paycheck, i can not spend 20 minutes on hold waiting to speak to someone to request my account be refreshed when Im trying to use MY money. This is ABSURD. I have spoken to them about this multiple times and have been told both times that I MUST call in to have it refreshed. This practice has never existed until this year. I can not remain banking with them if this is not resolved. It feels like punishment for being poor or something. I have banked with them for over a decade, this is what loyalty gets me?? Why did this become a practice? And how is this even possible??? Any company can withdraw funds from my account instantly, but ai have to call my own XXXX bank to get access to my own money??? It shows my deposits in the transaction history but will not show it in my current balance or available balance. In the past, all of my deposits and transfers have gone through immediately and i have had immediate access. But that isn't happening anymore. This is UNACCEPTABLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
THIS COMPANY IS WELL KNOW FOR SCAMMING PEOPLE. THEY ARE REQUESTING {$3700.00} FOR XXXX  XXXX XXXX. I HAVEN'T BEEN INVOLVED WITH XXXX FOR MORE THAN 20 YEARS AND NEVER EVER HAD BAD DEBT WITH THEM. DYNAMIC RECOVERY SOLUTIONS IS A HORRIBLE SCAMMER, PULL THEIR INFORMATION FROM XXXX XXXX XXXX, AT LEAST TRY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an offer from Chase bank if I open a Checking and Savings account at the SAME time I would receive a {$600.00} bonus after fulfilling the requirements of each account. On XX/XX/2020 I opened up a checking and savings account on Chase 's website. I followed the rules to set up a External account to fund the accounts. I received the verification from Chase and on Wednesday XX/XX/2020 I funded both accounts. About an hour later I received an email that the transfers were cancelled. I was told to contact Chase. When I called them they treated me like I was a criminal even though I answered every one of their security questions. I went to the branch by my house and again I was treated like a criminal. They would not give me an answer why they would not accept the deposits from my other bank and they would not open the accounts and told me I could NEVER open account at Chase. I am NOT a criminal. I have over a 800 credit score. I deserve to be treated with respect and dignity and I should be allowed to open a account with Chase. I am being discriminated against!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I received a phone call and then a letter dated XX/XX/2020 from AmSher Collection Services XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX in regard to a 'unpaid balance ' to XXXX XXXX. I have never had an account with XXXX XXXX and to the best of my knowledge they have never been in this area, and I have lived here 36 years. 
I received another phone call from them today and explained exactly what I said above. I have notified all three credit agencies XXXX, XXXX, and XXXX XXXX. 
Amsher Account # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In XX/XX/XXXX, someone stole my identity and used it to open a pay pal credit card issued through Sychrony Bank. I didn't find out about this fraudulent account until XX/XX/XXXX, during the underwriting process for a home loan to purchase my first home. This fraudulent account dropped my credit score by 250 points and the purchase of my first home fell through. Naturally, I contacted the bank, the credit bureaus, the police department and the FBI website ( www.IC3.gov. ).

I believed I had taken all the necessary steps to have my name and credit cleared of this theft/fraud. Today, I learned that an investigator for Synchrony Bank had denied my claim and closed the fraud case because Synchrony bank had sent a statement to the fraudulent person at their address, not mine, and that person then made a payment on the fraudulent account.

The investigator assumed since a bill was received and payment was made there must be no fraudulent action and closed the case.

Synchrony never updated their system with my actual information that I provided them when I discovered the fraud. Of course, whoever stole my identity is going to receive mail to the address they provided! My  credit has been destroyed, this company is the antithesis of helpful. I am homeless. My credit is destroyed and this makes renting and buying almost impossible. I am living with my parents because of the lack of accountability within this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: SD

Complaint narrative:
At the time I was behind on payments, so I my mortgage company had me sign a Forbearance Plan, which I agreed to. Now I missed a payment, and they will not work with me. At the time I signed the Plan, I was under Duress with medical condition, I would not have made that time of decision. So the plan is null and void, and now since I am better, we can have a new plan. I am on a fixed income and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THIS COMPANY IS WELL KNOW FOR SCAMMING PEOPLE. THEY ARE REQUESTING {$3700.00} FOR BANK OF AMERICA. I HAVEN'T BEEN INVOLVED WITH BOFA FOR MORE THAN 20 YEARS AND NEVER EVER HAD BAD DEBT WITH THEM. XXXX XXXX XXXX IS A HORRIBLE SCAMMER, PULL THEIR INFORMATION FROM XXXX XXXX XXXX, AT LEAST TRY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: DC

Complaint narrative:
XX/XX/2020 XXXX XXXX reapplied a XXXX balance onto my profile ; after paid credit repair. No letter of reinsertion or email or current phone contact was giving no other accounts are reporting from them and provided email to collection agency that all other balances were deleted. Also Global lending service denied my report for fraud after I had proof I was assaulted by my boy friend and how he used my information to complete purchase with my social online, and complaint was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet has falsely reported me to the credit bureau on financial aid I did not receive. I have sent the documents to them repeatedly. I had a XXXX XXXX, XX/XX/2014 - a few weeks after XXXX closed the doors on us in the middle of taking a test toward graduation and had already received money from the finance department of student loans and XXXX XXXX. No money was ever given to me. I have attached the documents and emails from that time period. 

This link refers to XXXX lying to XXXX students stating they would transfer the credits and we would graduate on time. A Blatant Lie. They also took money and nothing happened. They didn't transfer the credits and I have emails to prove it. I withdrew from the school and never completed classes based on the consistent lies and not being forthcoming. These folk caused me to have a XXXX XXXX with the scheming and scamming. I was a XXXX student at XXXX and made the XXXX XXXX List repeatedly. I lost hope in the system of furthering my education. Nelnet came in and have also made promises and not delivered. I have not taken these folk money and I don't owe it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One Savor Rewards credit card on XX/XX/XXXX. The terms state that for annual fee : " {$0.00} intro for the first year, {$95.00} after that ''. On XX/XX/XXXX, I was charged the {$95.00} annual fee. In XX/XX/XXXX, I called to change the account to Capital One Venture credit card, which has XXXX annual fee. At the time of the product change, I was told they needed to check whether I would be eligible for the annual fee refund, and would email me. I never receive any such email. On XX/XX/XXXX, I called again, only to be told I would not get any annual fee refund. 
I find the situation highly irregular, given that I essentially paid for an annual fee for a card that I no longer own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc
State: DC

Complaint narrative:
XX/XX/2020 Hunter Warfield reapplied a XXXX balance onto my profile ; after paid credit repair. No letter of reinsertion or email or current phone contact was giving no other accounts are reporting from them and provided email to collection agency that all other balances were deleted. Also XXXX  XXXX   XXXX  denied my report for fraud after I had proof I was assaulted by my boy friend and how he used my information to complete purchase with my social online, and complaint was ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation
State: OK

Complaint narrative:
i get my paycheck direct deposited to card, com inoticed a charge i didnt make i contacted them we changed my pin i tried to log in to see my account i was locked out i contacted customer service and because i couldnt get into my XXXX  for 10 because of not knowing my password and changing numbers XXXX dollars was spent out of my account and i authorized nobody to use my money they killed my card and sent me a new one i have both cards and never have not had both cards they tell me no error was found and are trying to keep my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had place temporarily security lift with experian but then I removed the lift and wanted to freeze my credit. But now experian is asking me to send details through mail. I dont want to do that as I was already a victim of identity theft before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAVE SENT 5 DISPUTE LETTERS TO EQUIFAX FOR FRAUDLENT ITEMS REPORTING ON MY REPORT AND HAVE YET TO HERE FROM THEM MY CREDIT STILL LOOKS THE SAME AND THEY ARE STILL LETTING SOMEONE APPLY FOR THINGS IN MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I was in auto accident and had gotten medical treatment in XXXX Hospital in XXXX, AL they debts was paid by my attorney ( see attached documents ) the hospital later sent it to collections and have reported on my credit report which id defamation of character as this bill has been paid way before reporting date. I have disputed this information with National Recovery Service and the credit bureaus asked for debt validation on several occasions and to verify that they were legally allowed to report this after I have paid them before they even placed on my record. The company failed to do an accurate dispute and to send me validation of the debts they claim I owe, they are defamation my character and this information needs to be removed immediately or I will seek compensation for damages. 
Regarding accounts : XXXX XXXX  ACCOUNT # XXXX {$250.00} XXXX XXXX  ACCOUNT # XXXX {$4100.00} I have mailed several dispute letters since XX/XX/XXXX and I sent a final dispute certified tracking # XXXX Nationwide Recovery Service sent XX/XX/XXXX delivered XX/XX/XXXX @ XXXX XXXX   certifeid tracking # XXXX Nationwide Recovery Services sent XX/XX/XXXX delivered XX/XX/XXXX AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/2020, I received an email from XXXX XXXX accusing me with 'involvement in multiple violations of the General AAdvantage Program Conditions. These violations are related to the accrual of ineligible miles and benefits ; through fraud, misrepresentation and/or abuse of the AAdvantage Program. '' As such, my AAdvantage Account was terminated and all miles earned were forfeited. 

I filed a complaint through DOT requesting for XXXX XXXX to provide further conclusive evidence to suggest a clear violation of one or more of the General AAdvantage Program Conditions. 

I received a response from XXXX XXXX on XX/XX/2020 stating that I was involved in 'abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. ' I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citi AAdvantage credit card. Please provide conclusive evidence of such case where I have violated the terms of the agreements made between Citibank and myself as stated by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation