vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: Early Warning Services, LLC
State: OK

Complaint narrative:
XXXX  XXXX XXXX is reporting to EWS ( Early Warning Systems ) that they closed a fraudulent account down under my name with the incident date showing as XXXX/XXXX/2019. It also shows that Their total loss was {$0.00}. I have contacted EWS and the information was blocked, however it was added back to my account at a later date and XXXX  XXXX XXXX stated they verified the information as accurate. They could not produce a copy of my ID, my signature card, or contract signed by me authorizing the opening of an account The only proof they sent was past bank statements, which proves exactly nothing. Of course there are going to be statements as all banks send those out monthly. Just because a bank statement exists it does not mean that it is mine. I am the one who called in to report it as Fraud, and even with their lack of supporting information, they refuse to remove it from my file. This reporting needs to be cleared off of my report by XXXX  XXXX XXXX or permanently blocked by EWS. I sent in all of my ID theft documentation to both companies, This was not my account. There is no XXXX  XXXX  XXXX anywhere near where i live, and I have never done business with the company period. If they refuse to remove this and keep reporting the false and unverifiable information I will take civil action per the FCRA and FDCPA. I have also sent this complaint to the Consumer Protection Unit at the Oklahoma Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX I received a check in the amount of ) XXXX. XXXX from Citibank. The letter that they attached to my last complaint said that I had money owed in accounts that were overdrawn. I filed bankruptcy on XX/XX/XXXX XXXX2020 from which I included all accounts and Citibank was notified. Citibank was also included in the bankruptcy meeting in which they failed to come. Now they want to claim I owe them money. I will attach my bankruptcy petition and discharge. My bankruptcy was discharged on XXXX/XXXX/2020. Citibank never said that I owed them any money. I have emails from them stating those accounts were at a XXXX balance. Please return my funds because this is fraud

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 2020-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
I have yet again received grossly conflicting information and I have recorded these phone calls. 

I have overpaid TMS in excess of {$15000.00} since XXXX of 2018. They received a refund check from the city of XXXX. Only returned {$5900.00} to me and they have YET to return the balance of these funds. 

I am on a fixed income and I would like these excess funds returned. They have not completed the escrow analysis requested in XXXX. Their policy states 40 days, yet NO analysis has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hello on XX/XX/16 as I was shopping my chime account was closed around XXXX midday. I had money in my savings account and my credit card which is all linked. I reached out to a chime representative and she ensured me that it must have been a mistake but that I should keep trying to contact chime because they would never closed an account in one day they will give you at least three days to move the funds. However I wasnt given that chance. I was shopping for food for my home and family and I havent had access to none of my funds. This has caused me emotional stress and I wont rest until someone help me. I will get a lawyer because by law you can not close an account and keep peoples money. I dont fare for the account I just need to be given access to my account to move the money. Also I have reached out to chime in several emails hoping that they have responded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
account was deleted from my credit report and has reappeared. causing me hardship dropped my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: PA

Complaint narrative:
Debt was not verified doctor visit was not me. Failed to verify it was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
My complaint to the CFPB about SN Servicing Company requests an electronic copy of my pay-off letter so I can sell the house, without an actual pay-off letter I will not be able to sell the house. The letter SN Servicing Company sent me is not a pay off letter so I won't be able to sell the house and be subjected to the financial suffering of not get the requested pay-off letter. I am frequently told that I am a very easy guy to deal with and I don't think that a mortgage servicer should deny a customer a letter that will be used so that all entitled parties are pay in full. 

I am asking for an electronic copy of the pay-off letter so I can pay the house off in full. 

How is this : could you please send me an electronic copy of the pay-off letter made out for XX/XX/21 so I can sell the house. I don't have any options because a pay-off letter is required to sell the house. If I don't receive the pay-off letter soon I will no longer have a buyer for the house and be subject to financial damage. All I want is the pay-off letter I am not interested in being pen pals and wasting your time I am trying to conduct official business and being denied a required document that should be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This complaint is regarding Portfolio Recovery Associates, LLC ( here after referred to as PRA ). PRA is attempting to collect on debt ( s ) in which they say I owe them totaling up to {$10000.00} for 12 accounts. Ive made numerous attempts by sending certified letters via mail on XX/XX/2020 and XX/XX/2020 to PRA requesting them to provide me with certified copies of these accounts and any viable evidence showing VALIDATION ; that is competent evidence bearing my wet signature, showing that I have or ever had some contractual agreement with PORTFOLIO RECOVERY ASSOCIATES, LLC. PRA are reporting fraudulent tradeline accounts to my credit reports that has and continues to impact me severely. 

Moreover, PRA has not provided me with sufficient documents in regard to a contractual agreement between myself and PRA stating that I owe the above-mentioned amount of debt. This is not sufficient and compliant of federal laws under the Fair Debt Collection practices, the Fair Credit Reporting Act, and the corresponding local state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, AMERICAN EXPRESS add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I started the process to refinance my home mortgage on XX/XX/XXXX. Long story short, Ally Bank asked for most recent paystubs on a weekly basis, then denied my application due to change of jobs. The first most recent paystub was submitted on XX/XX/XXXX, then XX/XX/XXXX, XXXX, XXXX and so on. Ally Financial doe snot allow me to keep track of the documents submitted on the account, time and effort in the last 2 months to try to close these refinance seemed ridiculous. I am not certain if it is because of their underwriting department is not promptly processing their deals. I recently changed jobs which led to an increase of my monthly income to 4x more, but is a contract position for 8wks. Ally Bank asked for the proof of my contract and then denied my application, stating the contract must be for over 2 yrs. I explained to my loan officer that as a critical care nurse I do not have a doubt to be able to extend or find another contract in the midst of a pandemic. I contacted my financial officer 's manager regarding their policy to ask for most recent pay stubs through out the entire loan process but she never responded. They also have not refunded me the {$550.00} I paid in processing fee. Ally simply said " You have been denied, goodbye '' and does not realized the amount of time and effort wasted in addition to other good rates I have missed out from other banks.

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 2020-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America ( BA ) handles the unemployment payments from the State of Maryland. BA issues a debit card and the unemployment payment is deposit directy to this card. On XX/XX/2020 my debit account was hacked. A total of {$130.00} was withdrawn. The debit card account was XXXX XXXX XXXX XXXX I called the number on the BA card to report the fraud. The BA customer service rep said they would issue me a new card. However to get a refund for the amount that was fraudulently withdrawn the rep said they did not handle the refunds since this was handled by a different department. She gave me the number to call which is XXXX ext XXXX or extension XXXX. I tried calling these number for 3 days at different hours of the day. The phone system just puts you on hold. Finally I just gave up calling. I emailed BA about this issue and I go this email message I received an email from this address XXXX  XXXX  XXXX and the message below Thank you for contacting Regulatory Complaints of Bank of America . As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your dedicated point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XXXX to confirm that information. My days and hours of operation are Monday Friday XXXX XXXX  XXXX XXXX  MST. 

Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday Friday XXXX XXXX  XXXX XXXX MST. 
Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX, extension XXXX Monday Friday XXXX XXXX XXXX XXXX  MST Case number : 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 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have requested PayPal to close additional accounts they have opened under my name, which they have refused to. It has been more than a year in the complaint management. 

I have asked PayPal to clear their statements and to verify the accuracy of the itemized transactions, they believe and wrote in letter statements that their billing is without fault. More than one merchant has confirmed refunds which appears as an unpaid charge to my account. 

I have asked PayPal to verify the amounts of monies they have transacted directly via ACH or other instruments to attain monies from non-PayPal accounts, they said that I have not paid. I have confirmed with more than one savings bank that they have charged to my account via direct and immediate debit charges they considered credit card transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have a lease with Hyundai. I lived until XX/XX/2020 in XXXX CA with a tax rate of 9.5 %. Once I signed a new lease in XXXX XXXX, when I went to make my payment in XXXX I changed the address to the XXXX XXXX Address with a tax rate of 10.25 %. I paid my bill as usual, with the current amount of {$440.00} and found they were trying to collect in error {$3.00} for taxes in XXXX XXXX. I called and told them I did not surrender my XXXX XXXX till XX/XX/XXXX, moved in XX/XX/XXXX to the new residence and would not pay. They told me since I changed my address ( they did not give you an effective date by the way ) they were charging me as if I lived there even though my lease didn't seven being for me to take possession till XXXX. I let them know I would never pay it since it was not due, they refuse to adjust their records to reflect the correct information. I refuse to pay this additional tax just because I was proactive in changing my address which I did with several vendors and no one has tried to collect undue tax.

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 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
American Credit Acceptance makes it extremely hard at all times to make payments. They charge for every type of payment except for automatic which is sporadic causing returned check fees. The only other way to make a free payment is to mail it in which they say dont do because I might get late fees. The online portal requires you change your password every single time you log in. They re intentionally making it difficult to make payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX XXXX  on XX/XX/XXXX 3. XXXX-XXXX  on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/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 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have requested help previously with my wells fargo account Account # XXXX in regards to a late reported to XX/XX/2020 which occurred during the unprecedented time which has impacted me. Along with that A financial accommodation was made for the late payment in XX/XX/2020 fees were waived. On the latest credit report it lists a late pay in XX/XX/2020. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies. If you fail to make the correction this may make you liable for willful negligence ( FCRA 1681 )

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Every time Equifax sees new information they dock my credit score 4-28 points. Today they said one of my accounts increased by XXXX and docked me 4 points. That XXXX was XXXX XXXX yearly fee and I paid it the minute I saw it. I have taken a picture to prove it. Those 4 points can keep me from buying a home. They never check into anything they just assume. Its ridiculous and something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. US SM BUS ADMIN ODA on XX/XX/XXXX 7. XXXX  on XX/XX/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 2020-12-17 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:
demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX  on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/XXXX

Company response to consumer: Closed with explanation