vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX calls me several times a week. It is a recording and they leave me a voice mail saying they are trying to collect a debt. When I call in, they say there is no record attached to my phone number ( the one they call several times a week and leave me voice messages on ). I have asked them to stop calling. This has literally been going on for months. The young man I talk to repeatedly there says there is nothing they can do to stop the calls.???? So, they can not tell me why they are calling and they will not stop calling. I do not have a clue how to resolve this since this company has no way to remove my number from their records even though they do not have any debts attached to my number. How is this even possible? It would seem if they can repeatedly call me weekly, they could track where they are getting my number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
This complaint is a follow up to complaint number XXXX. 
As requested, XXXX XXXX from Citibank 's executive response called to discuss Citibank 's mishandling of its cashier checks. XXXX XXXX was polite and attentive while ( understandably ) careful not to acknowledge wrongdoing on the bank 's part. At the end of the conversation, we agreed that the complaint could be closed with no further action required. 

The matter should have ended there. However, instead of being closed, the complaint ( # XXXX ) was marked as a DUPLICATE in contradiction of the XXXX ' 2016 definition ( 5.4.4 ) ... a complaint " that does not describe or include any new issue, instance, or information ''. 

The only purpose -- that I can discern -- for designating the complaint as a duplicate is its removal from the CFPB 's database. Since one of the goals of the Dodd-Frank act was to hold financial institutions accountable, removal of pertinent consumer complaints clearly subverts the interests of Congress and consumers. 

The complaint is copied below to put it back in the record. 

COMPLAINT NUMBER XXXX This is a follow up to complaint XXXX in which Citibank failed to address any of my questions. They simply repeated previously supplied information. It appears that Citibank 's policy is ignore questions unless a new CFPB complaint is filed, which I'm happy to do until the situation is resolved. I have repeatedly requested to be allowed to discuss the issues with a supervising manager -- specifically to understand why Citibank created an unnecessary five month delay to supplying me with the information needed to recover {$10000.00} in cashier checks, and whether it is Citibank 's policy to have employees lie to their customers. The process was filled with broken commitments and lies ... and Citibank 's response regarding XXXX XXXX 's deliberately misleading information in which he adamantly denied that Citibank did not have the necessary information ( they did ), and that, even if Citibank had these records, they would not give it to me ( which was also not true ) was ... " please be assured that your experience ( with XXXX XXXX ) has been brought to the attention of management '' -- is wholly deficient considering the repeated hollow assurances from Citibank documented in my previous complaint. Although I finally received the necessary information, it took five months, numerous unanswered emails and and two CFPB complaints. I will continue filing complaints until I've had the opportunity to talk to a bank official about this matter.

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 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have had 6 unauthorized atm withdrawls all on XX/XX/2018 form my American Express Serve Account : 3 {$500.00} withdrawls from the same atm, 1 {$400.00} and 2 {$200.00} all amounting to {$2300.00}. i have submitted 2 decleration of fraud forms per dispute and the police report. my disputes where denied twice. My account have been permanantly suspended and i have no access to my funds. i am also expecting my state income tax to have been deposited in to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a quickpay with XXXX for XXXX that was deemed part of my " available balance. '' Later that day, I issued a quickpay with XXXX to another Chase Account in the amount of XXXX. 
The next day - XX/XX/XXXX, Chase informed me that the outgoing quickpay was returned, with a XXXX returned item fee. They explained the cut-off time scam in detail relative to my incoming and outgoing quickpays. I asked if I needed to resend the quickpay. One customer service agent, plus a manager, informed me that I needed to resend it. So I did. 
XX/XX/XXXX, I received an overdraft charge of XXXX based on the second quickpay, because the first quickpay was not returned afterall. 
On XX/XX/XXXX, I received a XXXX credit for the erroneous resending of the XXXX quickpay. 
On XX/XX/XXXX, I noticed that the original XXXX plus the additional XXXX were deducted and previous daily transactions were reordered chronologically to show they posted after the second XXXX was deducted, and 3 more XXXX overdraft fees were imposed. I called Chase and they said my " courtesy refund of fees '' were exhausted for the 12 month period and there would be no means of recourse, despite their instructing me that the initial XXXX was returned and needed to be resent. This is ridiculous. I don't care about the fees. I care about the intent behind their disinformation and subsequent maximized profiting based on their knowingly false information and instructions. I fully understand the cut-off time between different banks, and happy to eat XXXX for it ... But they have admitted the error, refunded a fee based on that, and found a way to earn an additional XXXX based on the same transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX ( or XX/XX/XXXX, I don't have my records at hand ), my bank, Wells Fargo, summarily closed my checking account, freezing my funds and providing no explanation as to why such an action had been taken. I am only reporting this now because I assumed I had no recourse until I read today of a Wells whistle-blower from a XXXX branch being fired for exposing this widespread -- and illegal -- practice on the part of the bank whenever any type of fraud was suspected to be associated with an account. In my case there was no fraud. After many phone calls to many extremely unhelpful Wells employees ( a few of which flatly stated that it would be impossible to reactivate my account ), I was finally able to ascertain that the closing was due to an alleged transaction with my credit union in which Wells claimed I had deposited or cashed a check for which funds were unavailable. Even after I contacted the management of my credit union and was assured that no such action had occurred, Wells refused to reinstate my account. ( This after I had held the account for over thirty years. ) Concerned that my credit rating would be effected, I persisted, and after more than two weeks of constant effort I finally contacted a sympathetic Wells who assisted me in reinstating my account.

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 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2017 purchase a battery operated handheld massage that supposed work with batteries I change the batteries several and not responding so I contact the XXXX Customer at XXXX claim that they was unable to help me and put in complaint with the full credit number and then I contact TD Bank Customer Service regarding disputing this charges since the business will not honor a exchange or refund on the product and the TD Bank Representative all said she unable to dispute the charge because it has been more than 60 days I explain to them and she aware that checking account is closed on the statement it indicate XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. Why is that Fraudulent purchase can not be dispute is this legal and why is the full debt card number need for dispute when the bank should have all access to Banking Activity is this legal and please ensure that staff do not tell me and others that I will be wasting my time this is my money from my working and depositing in the Retirement this money was transfer from IRA Account and governing by Retirement Account Federal Regulation and the transaction with these account are be reviewed by United States Department of Treasury Internal Revenue Service please investigate this Bank and ensure that they operating according to United States Department of Treasury and United States Federal Regulation and then after informing they not going to be able file my dispute they transfer me to Recover and Charge Off for XXXX XXXX and she was not able help with pass account and Debt Card Number is this legal and the number I was transfer to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I received an emailed and phone notification from Bank of America that my XXXX   card must be reissued due to an ongoing fraud issue. I spoke with manager XXXX of Bank of America 's fraud department. He would not provide his last name or any further supervisory contact to resolve complaint within Bank of America.

I was demanding to know which merchants or activities had initiated the fraud investigation. XXXX said that is between XXXX  and BofA and is not something he can provide. I said that policy intentionally leaves consumers in the dark and does not allow consumers to know which organizations are protecting our data and where fraud is originating.

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 2018-03-02 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:
Last month, I called in to request the annual fee be waived on this card because my level of use of it didn't justify the fee. The fee had been charged in the current billing cycle.

The representative told me that wasn't available but I could perform a product change to a no-fee card ( XXXX instead of XXXX ) to get the annual fee refunded. This is a standard way of refunding an annual fee at all credit card issuers including this bank. Fast forward to today where I called in to ask why the annual fee refund hadn't been refunded. Unfortunately, a poorly trained representative tried to tell me that this wasn't a policy and an option as the fee was being charged because of benefits I receive with the card. It didn't sway her that I was no longer getting these benefits because I had a product change to a no fee card instead of a cancellation despite them being equivalent in receiving benefits you pay for, that the fee is always charged in advance so the fee was being charged for future benefits I was never going to receive, that this is standard practice of all credit issuers including Capital One, especially within 30 days and that is what I was told when I performed a product change and wouldn't have done it otherwise. I am fed up with this bank as it has gone downhill due to greed where I can't even talk to an agent online and now this deliberate deception. This agent engaged in completely insane circular logic that is probably a pattern now to frustrate consumers and get them to hang up and give up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 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: TX

Complaint narrative:
On XX/XX/2018, I rec 'd notice from Equifax to go to www.trustedid.com and review credit report. I noticed under " Associate Address '' section that the following address was listed as being part of my present address : Date : XX/XX/18, Address : XXXX XXXX XXXX, XXXX : XXXX, TX XXXX XXXX : TX XXXX. 

This is erroneous information on my credit report - at no time have I ever lived at or know anyone at this address. I wish to have this information reported and removed from my credit report as I feel I am victim of ID theft by use of this address on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.

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 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
XXXX  XXXX reported XX/XX/17 on my inquiry which I did not authorize reported on XXXX also I was in the breach. No amount was given called the company and ask them to remove them and they would not. Has caused my credit score to lose 25 point. Someone has been trying to obtain credit in my name. I have no contracts, photo 's, documents, letters or receipts for I did not apply to any of these companies for credit. 

XXXX XXXX XXXX XXXX company reported XX/XX/17 on my inquiry which I did not authorize reported on XXXX   also same as the above complaint. 

XXXX XXXX XXXX XXXX XXXX reported on XX/XX/17 which I did not authorize reported also on XXXX same as the above complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
I did created a complain about the difficult and challenges I was having with XXXX XXXX XXXX with Debt issue back in XX/XX/XXXX who hired XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XX/XX/XXXX to send me to court and I was not able to show up ( Complain with your entity cases XXXX, XXXX, -and XXXX ). Court granted them the case and they were very difficult and harassing me all the time since XX/XX/XXXX. I tried a couple of times to negotiate debt with them but did not want to take my personal previous offers. I used a XXXX XXXX XXXX XXXX ( XXXX office at XXXX XXXX XXXX, XXXX   XXXX. XXXX.Tx. XXXX ph # XXXX ) to help me settling issue back in XX/XX/XXXX. I paid them {$5000.00} and they were supposed to and think negotiated with XXXX XXXX XXXX  to clear issue. Since XX/XX/XXXX looking at my credit reports I did not see anything about the Civil Judgment in my records. 
Suddendly, this past Monday XX/XX/XXXX my Bank Account have been garnished not allowing to touch account and I need to pay XXXX obligations. 
I received and email I need to contact the Law Office of XXXX XXXX in regards to my Garnish. I checked and found out XXXX XXXX XXXX had sold old " account '' case to XXXX XXXX XXXX XXXX, XXXX. who hired Law Office of XXXX XXXX ( ph # XXXX ) in regards to my Garnish which comes from Court order case XXXX in XXXX County Civil Court XXXX. 
They are demanding to pay previous Debt of {$10000.00} plus attorney 's fees # XXXX plus 24.99 % for the entire term of debt since XXXX XXXX, plus post judgment fees of 18 % on the principal? of 07.25 %. 
I am really devastated because I already lost {$5000.00} which I thought were used to stele previous amount with XXXX XXXX XXXX and now a new XXXX XXXX XXXX XXXX XXXX, XXXX is using The Law office of XXXX XXXX Texas Bar No. XXXXlocated at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX. Ph # XXXX. 

Please I really need advise because it seems like these entities are trying to take advance of hard working people like me. It seems like they said the total amount of Debt is running in the {$70000.00}. I am a family parent trying to do the right thing but I do not want people trying to take advantage of my situation. 
Greatly appreciate your support. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX.Tx.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: DISCOVER BANK
State: MN

Complaint narrative:
WELL I WAS NOTIFIED BY XXXX XXXX THAT MY CREDIT SCORE HAD WENT DOWN BECAUSE OF AN HARD INQUIRY WITH A CONSUMER WHO SUPPOSEDLY RAN MY CREDIT XX/XX/2018 AND THAT IN FACT WASN'T ME AND I HAVE NO KNOWLEDGE OF WHO DISCOVER BANK IS AND ALSO ON XX/XX/2018 XXXX RAN A SECOND CREDIT CHECK WHICH SHOULDN'T HAVE HAPPEN SINCE I ALREADY HAD BEEN APPROVED FOR A VEHICLE THROUGH THEM AND GOT A CAR. SO I NEED THOSE TO BE LOOKED INTO AS FRAUD AND REMOVED FROM MY CREDIT HISTORY AND PROBABLY A FREEZE ON MY ACCOUNT BECAUSE IT'S STARTING TO FEEL LIKE SOMEONE ELSE HAS MY INFORMATION WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AR

Complaint narrative:
I contacted DCI on XX/XX/XXXX and XX/XX/XXXX requesting that the company send me a validation of this debt. They proceeded with providing a bill from XXXX but it was not the original legal bind contract bearing my signature that this debt is mine which is what I requested. I am disputing this because I have no knowledge of this account, and I would like to this be removed from my credit because it is affecting my majorly. I have asked the company to please remove if they can not provide evidence of my ownership, but they continue to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
Requested verification of debt via certified mail dated XX/XX/XXXX. Today XX/XX/XXXX ( way over the 30 days required by law ) I received a letter with an " application # '' as verification of the debt. This establishment should be aware that per FTC Attorney XXXX XXXX XXXX, that a printout of a bill, application #, or itemized document does not constitute verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was defrauded by a third party for three amounts of {$89.00} and not refunded by this bank after repeated attempts to explain what happened. My treatment at the hands of the bank was appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.

Company response to consumer: Closed with explanation