vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ XXXX XXXX XXXX, reported balance {$1100.00} ] Dates associated with item being disputed : [ XX/XX/XXXX ( 3 years, 9 months ] Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. I stopedstoped using XXXX in XX/XX/XXXX as I didn't have any contract at a time, as I also was travellingtravelling XXXX to stay with my for awhile I stayed there for 3 years before I returned back in the states. 

Thank you for your assistance. 

Sincerely, 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
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I have a checking account with First Tennessee Bank, and a debit card was provided with the account. Sometime between XX/XX/XXXX and XX/XX/XXXX I lost the debit card, and ten unauthorized transactions were made on the account. The last transaction I conducted on the account was on XX/XX/XXXX. I discovered the debit card missing on XX/XX/XXXX, and called First Tennessee immediately to have the account closed, and to file a claim/case for the unauthorized transactions. I was told a provisional credit for {$890.00} would be applied to my account within five business days. Instead, I received a letter dated XX/XX/XXXX, which stated the information I provided was inconsistent with the transactions I reported as unauthorized. Accordingly, I called First Tennessee 's Fraud Dept. on  XX/XX/XXXX to ascertain in more detail why the case had been denied. An email was sent by the person I spoke with to a senior manager to request the case be reopened, and for me to receive a call. On XX/XX/XXXX, I spoke to a senior manager who requested a police report be filed. The police report was filed with my county sheriff 's office, and the report was submitted to First Tennessee Bank. The deputy made an incident/investigation report, and not a criminal report, because all the transactions occurred in other counties. My sheriff 's office didn't have jurisdiction over the crimes ( fraud transactions ) committed. Nevertheless, I followed up with First Tennessee later in XX/XX/XXXX( don't know the exact date ) to find out what was happening with the case, and was told the case wasn't reopened because when I called the Fraud Dept. on XX/XX/XXXX I stated the debit card was still in my possession, but in fact I said the card wasn't in my possession. In addition to this problem, I was told that I had called the Fraud Dept. to have my account reopened after a transaction was declined at a XXXX XXXX. I didn't call the bank until I discovered my debit card missing on XX/XX/XXXX. Further, the same Fraud Dept. employee told me that my PIN was used for some of the unauthorized transactions, which I refuted because I'm the only person that knows the PIN. Upon speaking with a senior manager a few moments later, I was told that all the unauthorized transactions were indeed credit POS transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX my bank of america account was hacked. I quickly received an email regarding low funds and contacted my bank. They did nothing but tell me they would research the issue and would take 10 days to come to a decision. Today I received notice that my claim was denied because the transactions in question were completed by a third party who was given access to your account or account information. I've never ever given my information to anyone to steal my money. They told me today that if I get a letterhead from an IT or XXXX XXXX company stating that my laptop was compromised that they would revisit my account. I spoke to an IT professional and they said that wont prove anything. The bank has IP addresses of whoever logged in and they can trace it. The bank has not done anything to find who did this. There was proof that someone made multiple payments to XXXX with account numbers and they told me they dont contact them??? I was furious! Said so what are you doing for me then?!!! There is evidence where my money went and they did nothing about it!

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 2019-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
capital one recently reported my account as 90 days late to XXXX, XXXX, and XXXX. The account has been closed for more than 2 years, and was included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
There was a XXXX XXXX account opened not by me XXXX XXXX. I nevered received any mail or card from this company until I pulled my report and seen the account on there. I called several times sented several letters also complaining to CFPB FOR THE 2ND TIME. This account is only showing on 1 credit bureau which the other 2 found that the account was not mines or coming back variefied. I asked for verification and they sending me billing statements nothing with my signature on it or a photo copy of my id.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
To whom it may concern. I received a letter dated XXXX, XXXX, 2019 from a SCA Collections. After reviewing this letter I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. 

Sincerely, 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
Consumer complaint received 2019-05-20 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Refuses to provided proof that this is my debt. Pursuant under FCRA they are required to provide original signed documentation providing proof that this is my debt. This company has failed to provide me with signed documentation, they just continue to harass me via mail, sending the same list of transactions with my name on it but fail to provide the correct documentation to prove this is my debt which is required by law in order for them to collect. Also they have let me know via mail that they REFUSE to reinvestigate due to me not providing new information, what information do I need to provide?, I am simply asking them to prove to me that this is my debt which is my right pursuant under the FCRA or they need to remove it from my credit report because they are now providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a complaint through the CFCB regarding Bank of America. Obviously, Bank of America is playing games they claim in their CFCB response they were sending the response directly to the consumer because they could not confirm who submitted the complaint. First, the complaint was initiated through the CFCB. Certainly, the institution was aware of who the complaint came from. 

Second, Bank of America provided 2 letters dated XX/XX/XXXX and XX/XX/XXXX requesting additional time to respond to my complaint. Their letters dated XX/XX/XXXX was not received until XX/XX/XXXX and their letter dated XX/XX/XXXX was not received until XX/XX/XXXX. Oddly, their letters are dated approximately 2 weeks, prior to forwarding them to the consumer. 

Lastly, On XX/XX/XXXX I contacted the CFCB and they were able to read me a response letter from Bank of America I had not received. The letter read to me by the CFCB agent from Bank of America addressed the institutions past attempts to contact me by a number that no longer exists. 

In closing, this matter does not warrant a conversation, but a sufficient written response. I updated the institution with my new information 2 years ago. Since XX/XX/XXXX I am in receipt of 2 letters requesting additional time to respond to my complaint. Both letters are dated 2 weeks, prior to receiving them. On XX/XX/XXXX I contacted the CFCB and they read me their response letter that only addressed their attempts to reach my phone. 

However, Bank of America retains my home and email addresses for contact as well. In addition, I have an online account in which there were no contacts or messages provided by the institution. I strongly believe the institution has no legal ramifications to sufficiently provide a written response to my initial complaint. Bank of Americas response read by CFCB has no weight and it overall dwells on their attempts to contact me by phone when there are other alternatives of contact. I find their response unsatisfactory and demand that I have a written response to my initial complaint in its entirety dated 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 2019-05-20 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: NY

Complaint narrative:
TransUnion has added names to my credit profile that are not mines they are for someone else with a totally different name and have included a unpaid debt not belonging to me on my report and they have yet to remove it. I pay all of my bills on time where I the world this this debt come from? Not my Name and not my debt!

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 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I called usaa customer service line at XXXX. I specifically told Them, I want to close my checking account cause XXXX XXXX has compromised the integrity of my accounts at Usaa. I said close my account now. 4 times they transferred the call and hung up. They refused to close it. I wasnt it closed now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for and thought I was granted a loan modification with SPS. However I was told it was conditional not necessarily based on my making trial payments ... I completely understand that. I needed my ex-husband to sign assumption paperwork notifying the lender that I was the new owner of the home. 
Here is the background : my husband and I divorced and he quit claimed the home we both lived in to me. His name was on the mortgage statement. The divorce decree and the quit claim were both sent to the lender several times during the modification period. Eventually I was told the modification was approved but my ex -husband needed to sign the assumption document. He moved out of the country. He did sign the document. I signed it as well and it was then sent to the bank. It was difficult to get his signature as I have no forwarding address for him -- only his email. Our divorce was and our relationship still is very contentious. The bank is now telling me that I need to send in an original signature page. This would require time and effort and in the end I may not be able to get him to send me the document with his " wet '' signature. In the meantime, SPS is threatening to send my mortgage to an attorney and is telling me my home may be foreclosed on. I have had XXXX and a divorce and this has been horribly XXXX -- not making my health situation any better. SPS has been very difficult at every turn. They have a document signed by everyone that needs to sign and now they tell me they need it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I attempted to log into my Wells Fargo online account and was unable to. I received a message asking that I call customer service. I called and was connected to online Fraud department. I was told that my online banking had been deactivated due to online fraud. After verifying information with the rep, she set up a new username for me to use to log in. I was then transferred to another rep to change my password. The rep wasn't able to change my password on the phone, he advised I would have to go to the branch or ATM to verify my phone number. 

On XX/XX/XXXX I was able to stop at an ATM to verify my phone number. I was then able to reset my password and log into my online account. Upon logging to my account I saw that my checking account was overdrawn due to transactions that had been reversed. When I talked to the online Fraud rep on the XXXX, I explained to her that I was a victim of domestic abuse and as part of the financial abuse, my ex had called the bank to dispute bill payments and money transfers made while we lived together after he got arrested for domestic abuse and ordered not to return to my home. 

He disputed a mortgage payment made to XXXX XXXX  on XX/XX/XXXX for {$930.00}, a {$500.00} XXXX XXXX made on XX/XX/XXXX, a {$300.00} XXXX XXXX  made on XX/XX/XXXX and a {$980.00} XXXX XXXX made on XX/XX/XXXX. Wells Fargo Bank reversed the credits and debited my checking account for the total without doing any investigation or due diligence to determine if the amounts were authorized or fraudulent. 

I do have communication between my ex and I that would prove the above transactions were valid and authorized. Furthermore, his account address was the same address for the mortgage he disputed. Wells Fargo did not investigate his claim, nor did they contact me to get any information regarding the above transactions. 

As a result of this, my bank account has been withdrawn since XX/XX/XXXX and since all my bills are on auto pay, Wells Fargo has been charging me either a {$35.00} overdraft fee, or a {$35.00} NSF fee for each transaction that has been sent to them for payment. As of XX/XX/XXXX I have been hit with 15 {$35.00} fees totaling over {$520.00}! Furthermore, I have also been hit with fees from the companies whose payments were unsuccessful! 

Common sense calls for a good fraud investigator to use any initial information to find more evidence and information to support or refute a claim. It is safe to assume that when customers report a fraudulent transaction, a bank will investigate the charges before taking action. Isn't it common sense that part of the investigation would include contacting the alleged perpetrator to get their side of the story? I would think so.

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 2019-05-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CO

Complaint narrative:
My Direct Express debit card was stolen ad used to withdraw XXXX on Friday XX/XX/2019. I reported the fraud within a few hours of the withdrawals. As soon as i noticed the card was missing. 

I've been trying non-stop since then to file a dispute but haven't been able to talk to a person in order to file a dispute. I'm just put on hold fore hours until I give up. I've gone online and seen literally hundreds of complaints about the companies bad business practices. I depend on that money and am aware of the Electronic Funds Transfer Act. 

Can you help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My Previous Complaint : I contacted the company today, XX/XX/2019 at XXXX and spent almost 20 minutes on the phone with them. The first representative I could barely understand and I had to ask him to repeat himself several times. However, I know I did have to list every inquiry I had issues with, only to then be told transunion couldn't help and I had to go the lenders?? Even though I already contacted them directly and told Transunion this, they still couldn't do anything. I then asked for a supervisor because clearly this had to be wrong. My credit bureau is supposed to PROTECT my information and clear any inaccuracies. The supervisor however gave me the same exact runaround. What are they there for!!????!!! I need these auto loan inquiries removed. I own a car with no lease. I'm not married and I dont have kids. I don't need a car. I did absolutely none of these. XX/XX/2019 - XXXX and XXXX, XX/XX/2019 - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX  XXXX XXXX, XX/XX/2019 - XXXX XXXX, XXXX XXXX, and XXXX XXXX. I need these removed ASAP. Transunion is awful. XXXX has so much better staff that is much more helpful. 

New Complaint : It's like the company did not even read it this. The response was absolutely nonsensical. I KNOW hard inquires stay on for 2 years. I KNOW I need to write letters. ( Which I did ) I did contact Transunion. DIRECTLY, TWICE. Even spoke to a supervisor. And nothing was solved. I now have to complain again. I want these fraudulent reports removed like any normal credit reporting agency would do. These inquires were not approved by me. I made no such approval to have my credit run by any lenders in XXXX, 2019. Transunion is by far the worse credit bureau in existence.

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 2019-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have already talked to someone about this debt, and have set up a payment plan, yet they are calling my mother constantly.

Company response to consumer: Closed with explanation