vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
In XXXX of XXXX I received a 1099-SA from the Bank of New York Mellon Benefit Wallet for a distribution of {$1600.00}. I immediately called their customer service to tell them I never authorized any withdraw from my Health Savings Account. It turns out that on XX/XX/XXXX there was a request for an electronic transfer of funds wiping out my account. They provided me with a routing number which did not relate to any bank account I own, and told me they would investigate. I filled out and returned a 'affidavit of unauthorized/improper direct pay activity which they received XX/XX/XXXX. I was told they have up to 60 days to investigate. I have repeatedly called customer service which is in the XXXX and they keep saying 'still under investigation ' They refuse to provide a name and phone number of someone in operations in XXXX NJ that I can speak with to help resolve this. It is now over 60 days without a resolution and access to my funds ... 

I have a case # if that helps

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 monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT MIDLAND FUND XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from  identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUND XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX LOOKOUT XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
My account was sent to collections although it was paid on time. my provider had retired and cashed the check in his personal account and there was a mix up with my bill. after showing proof that the amount had been paid in full they refused to cooperate, ordering me to send repeated proof without responding to me. months after the start of this, a negative mark was put on my credit and after multiple phone calls to correct this issue, XXXX responded in the worst, rudest, most unprofessional manner.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: NC

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m (  f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PERFECTION COLLECTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX LOOKOUT XXXX XXXX XXXX XXXX, NC 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 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I participated an account-opening reward program with Citi Bank and opened both checking and saving accounts with Citi in early XXXX, XXXX. The reward is for {$500.00} total : {$100.00} cash bonus on checking account and {$400.00} bonus on saving, if certain criteria are met then the reward would be automatically deposited to my account in six weeks. 

However until XX/XX/XXXX, I still didn't receive any reward thus I reached out on Citi online bank customer service for an inquiry. XXXX from online banking assisted me and confirmed I met all the criteria for receiving the bonus. Moreover, she also assured me the cash bonus will be deposited by XX/XX/XXXX. I have also printed the conversation scripts for a record. 

Until today, I have never received such reward for {$500.00}. I have contacted online banks, tried to call customer service for a couple of time since a week ago - I was only told that a case has been opened for investigation. Beyond that, even though it has been another week and passed the deadline, no any action has been taken nor any one has contacted me for a resolution. 

I'd like to have Citi bank deposit the cash bonus to my bank account ASAP, instead of acting passively. 

Location of the Citi Bank XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX Thank you for your investigation and help!

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 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
-bought the house in XX/XX/2018 -my first mortgage company transferred my account to Loancare -property tax was for XX/XX/2018 -contacted the Loancare on XX/XX/XXXX , letting them know we received a bill from the county and the tax is overdue. We had more than enough money in the escrow account to pay the tax. ( they said they will take care of it ) -contacted the Loancare on XX/XX/XXXX to get an update - no updates from the company -contacted on XX/XX/XXXX to get an another update - they a check will be disbursed on XX/XX/XXXX to the county and they will cover all the late fees -contacted on XX/XX/XXXX because we received a final notice from the county about foreclosure - They said they will try to move the disbursement date to XX/XX/XXXX. 
-contacted on XX/XX/XXXX to get an update - we realized the check was not disbursed like it was promised. The company kept saying, they contacted the county already and they talked. The reason for this delay is they had to review something???? 

**contacted my property tax office on XX/XX/XXXX directly. I asked if my mortgage company reached out to them but they have no records showing my mortgage company reached out to them. We were afraid of losing our house so we paid the property tax out of our own packet instead of waiting for the mortgage to pay for us** -contacted on the company XX/XX/XXXX for an update - they said they disburse the check on XX/XX/XXXX. They said I will get an email on that day to let me know the money was taken out from the escrow account. 

Today is XX/XX/XXXX. I didn't receive any emails from the loancare that they paid the taxes. I checked my escrow account and nothing was taken out. Currently we have {$6300.00} and property tax was {$2400.00}. I'm trying to reach out to them so they can run escrow analysis since we have too much money in our escrow account now. It has been about 26 minutes since I'm waiting for the representative..

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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Had reason to contact Equifax customer assistance. Had to talk to someone in XXXX with poor XXXX. Someone in a foreign country should not have access to my credit information. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On several ocassions I requested a line of credit increase at least six times over the past twenty three months, However ever times I've been denided .I have another card from Synchrony Bank P.C XXXX and XXXX granted me a 50 % credit line increase in less than six months of opening, However XXXX Store card refuses to grant a line increase..

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 2019-04-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Would not answer phone would not pick up. Request my pin number 2 times now and they keep assuring they will send it to me. they should not be allowed to stay in busness if they are unwilling to speak to consumers. 

XXXX 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 non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: NC

Complaint narrative:
TODAYS DATE : XX/XX/2019 ATTENTION DISPUTE DEPARTMENT BERLINWHR-KS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious BERLINWHR-KS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX, NC 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
Consumer complaint received 2019-04-08 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: NC

Complaint narrative:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX, NC 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 non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On Friday XX/XX/XXXX I was sent {$2500.00} from my cousin in law XXXX XXXX via PayPal to pay for my property tax. I received the money which was sent as a personal payment and 30 minutes later the account was frozen and I could not access my money. His bank did not file a claim nor have I ever had suspicious activity so I was confused. I complied and my money is still on hold. His PayPal as well as the XXXX account in which we responded is verified. I feel like they are holding my money to gain interest in their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In setting up a new Wells Fargo Auto account ( not knowing the WFDS and WFHM IT platforms were different, I inadvertently locked myself out of my online account. Both Username and Password.

XXXX : I contacted Wells Fargo Home Mortgage on both XX/XX/XXXX and XXXX and spoke to several representatives as I do not get my statements by mail, all banking is done on line. I explained the problem, and received various responses. One lady told me they had to send me and XXXX to complete and send back. First and foremost, I am an Underwriting Manager and can not understand why an XXXX is required, no less by mail, when they are accepted by all agencies, with electronic signature, consequently the form never arrived. I offered MANY forms of ID, which are utilized in our industry all the time, as security measures. I offered my last username and password, my and my deceased husbands SS # 's, the amount of the Escrow Account refund check I had recently received, and would have been happy to provide any means of proving my identity, had I been asked. 

Another lady told me she would call me back in 24 hours with the problem solved. This never happened. 

XXXX I spoke to several people that were of no assistance. They then, after I asked several times, escalated me to a " supervisor ''. The supervisor did ask for my full SS number, and worked with me for approximately 1 - 1/2 hours to no avail. She ended her call with providing me a case number and stating someone would call me the next day at a time of my choice. I chose XXXX - XXXX. I am still waiting. 

At this point, I have NO access to my mortgage account, no mail statements or notices and no one willing to assist me in getting this account straightened out.

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 2019-04-08 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: NC

Complaint narrative:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC 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