vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX is pretending to be a law firm named XXXX XXXX XXXX. They are calling and threatening to sue and/or garnish wages. They are calling and harrassing myself and my family. On XX/XX/XXXX, I received a phone call from an unknown number. Someone claiming to be XXXX XXXX at the mediation office of XXXX XXXX XXXX needed me to call them due to a breech of contract. I also receive texts and phone calls from family because these individuals called family members as well. I call them back and they tell me I owe {$730.00} for a payday loan with XXXX XXXX  or they are going to serve me court papers and garnish wages. I tell him I have already paid it and he stated that the company I paid is not in the chain of command and it would have to be paid again. He tells me XXXX XXXX XXXX is suing me on behalf of XXXX XXXX XXXX and I need to resolve the debt. I hang up and call Cash Central, they tell me they dont know who this company is and they did not sell the debt to them. I call back and a lady answers stating that XXXX XXXX owns the debt and I have to pay it again. She gives me a phone number for XXXX XXXX XXXX. I call the number and the guy tells me he doesn't care if I have paid the debt or if I have proof, XXXX XXXX XXXX are suing me for the debt. I call XXXX XXXX XXXX back and am told that for {$700.00} I will not be sued. The original loan was {$300.00}. They ask how much I can afford to pay right away so I said {$350.00} on XX/XX/XXXX and another {$350.00} XX/XX/XXXX. I ask the guy, XXXX, how do I know if this is going to be resolved because I paid it last year and now im having to pay again he said he would send me a payment agreement email, they couldn't send via mail. Later that night I read the email and it looks suspicious. So I check the California Secretary of state site to see if XXXX XXXX XXXX is an actual company and it doesnt exist. I XXXX   them and find nothing. I search for the address on the letter and its a virtual address, not real. I call them on XX/XX/XXXX, and ask who the attorneys are that own XXXX and XXXX. XXXX asks why I am needing this info. I then tell him I need to cancel my payment. He transfers me to " XXXX XXXX '' who threatens me and yells at me and tells me they verified my employment and are going to garnish my wages. 

This company contacted me about this last year using the same tactics. This is harrassment and I will be reporting them to the state attorney general for unauthorized practice of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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 — Was not notified of investigation status or results
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I requested debt validation from Convergent Outsourcing TWICE ( once in XX/XX/2019 and again in XX/XX/2019 ) and havent heard a word from them.

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 2020-01-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Disputed inaccurate information concerning late payments, accounts that were not mine and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Disputed inaccurate information concerning late payments, accounts that were not mine and unauthorized inquiries.

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 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
To : Public Servant/trustee/Chief officer for the Consumer Finance Protection Bureau To : Capital One Financial Corporation, Chief Executive Officer, Subordinate officers and directors with the strict liability Notice for the agent is notice for the principal Notice for the principal is notice for the agent On the record, let the record show for the Court of record, for the writing and issuing a summons for the hearing appearance on the breach of contract, duty & trust damage from both of your organizations over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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 — Was not notified of investigation status or results
Company: Mobiloans, LLC
State: TN

Complaint narrative:
I have sent two debt validation requests ( XX/XX/2019 and XX/XX/2019 ) and have never received anything back.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I purchased an American Express Serve card on XX/XX/2019 in the amount of {$20.00} plus the {$2.00} fee the packaging stated that there was no monthly fee however my card was charged a monthly fee {$7.00} on XX/XX/2019. I called the company only to be lied to and hung up on. I then did my own research on their website and it stated under my cards fee chart that the monthly fee would not be charged until 30 days AFTER purchase. Now as I stated above they took my money prematurely. I purchased the card on XX/XX/2019 and they took my money on XX/XX/2019. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have contacted and disputed old, obsolete, and addresses that are not mine multiple times in XXXX. They have been deleted 5 times but continue to reappear with no explanation. I have contacted all my active lenders and other bureaus and have only 1 address on file with them. Why Equifax continues to report false addresses is unexplained, unverified, and they have not provided supporting documentation for these and is a violation of FCRA to add items that have been deleted back on to a person 's report. 

7 addresses have been deleted and reappear 5 times to date. 

Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX As of XX/XX/XXXX they are again still showing. Confirmed by Equifax representative on call XX/XX/XXXX and copy of credit report XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Disputed improper reporting of unauthorized inquiries with out proof of my sign wet signature or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Disputed credit inquiries and they keep deleted them and putting them back on my 3 bureau credit report.

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 2020-01-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Disputed credit inquiries and they keep deleted them and putting them back on my 3 bureau credit report.

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 2020-01-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Disputed credit inquiries and they keep deleted them and putting them back on my 3 bureau credit report.

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 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: GU

Complaint narrative:
I filed Chapter XXXX in XXXX was granted an Order of Discharge in XX/XX/XXXX. While seeking Judgement for my Bankruptcy I reaffirmed my auto and personal loans with, Pentagon Federal credit union. I have made every payment to both on time, never missing a single payment. I currently have a Checking and Savings Account, I make a monthly deposit from {$850.00} - {$1200.00} to my checking account to cover my auto and personal loans and my life insurance payment. 
On XX/XX/XXXX At the end of the year XXXX party, I was recognized for 25 years of service and received a nice plaque and a check for {$2500.00}. On Monday the XX/XX/XXXX I deposited said check into my Penfed checking account. On Tuesday the XX/XX/XXXX, I went to the credit union to withdraw. I was then told that my Checking Account was BLOCKED as of the XX/XX/XXXX,  and they couldn't let me have my funds! I asked why and they stated The auto loan was a Bankruptcy and my personal loan was a charge off. I stated that was incorrect both accounts were in Chapter XXXX but I also reaffirmed both loans and have been making on-time payments. I've gone back several times hoping they realized they just can't hold someone's money from them. But no, I was wrong so I went back today todo an Inquiry got my Balance Then I tried to withdraw and was told on the receipt " the transaction could not be completed. No XXXX for my wife and kids this year as well as No NEW YEARS. I'm trying to rebuild my credit and recover from filing chapter XXXX. I chose to open an account with the Pentagon Federal credit union because they know the Rules. Now I choose to remove my money and they will NOT allow me to! I will be meeting with my Bankruptcy Attorney next week. Thanks for the awesome XXXX and new years 25 years of service will get you. {$0000.00}

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 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I opened a business checking account at Bank of America because of the promotion they were running : https : //promo.bankofamerica.com/businesschecking/SBDDA.html # waysToAvoidBFA The terms of the promotion are : [ [ To earn the {$500.00} bonus : Open a Bank of America business checking account by XX/XX/XXXX. Make at least {$20000.00} in Qualifying Deposits ( less cash received ) into that new business checking account within sixty ( 60 ) days of account opening. Qualifying Deposits are deposits of funds into your new small business checking account that are new to Bank of America. A transfer done via ATM, online or teller, or a transfer from a Bank of America deposit account or brokerage accounts, such as XXXX XXXX or XXXX XXXX account, is not a Qualifying Deposit. 

Make ten ( 10 ) Qualifying Electronic Payments within 60 days of opening that new business checking account. Qualifying Electronic Payments include, debit card, online bill pay, or ACH transactions, wire transfers or XXXX payments ( starting/available in XXXX ). ] ] I met the promotion requirements but never received {$500.00} bonus. I contacted bank of america customer service multiple times regarding this issue, but as of today, still hasn't received the bonus

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 2020-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have originally filed a complaint about navient. They put my student loan in forbearance And I did not agree. After contacting them they agreed to take the loan out of forbearance did not claiming the co-signer is paying it. That we signed a forbearance. I have disputed this and asked to see the signed forbearance still nothing. This company has tacked on outrageous amount of money. They also lied stated that the loan is being repaid. First time it was {$2.00} next time {$110.00} now it says {$0.00}. They are creating their own payment schedules and forbearance. Originally when contacted by this company I disagreed with amount and they insisted its fees. They also insisted that nothing could be done and a forbearance was the only way to go. I do not work nor have taxable income. This company has committed fraudulent activity. Yet an still doesnt hold their end of the bargain. I have disagreed with a forbearance. I have disagreed with paying this loan due to financial hardships. They have also lied said theres an over payment yet no account is on file for autopay. Even while in school they claimed I couldnt have a deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
The amount is much higher on my credit report than on the actual website. Also, i have been paying my monthly note on time and you guys keep reporting I'm late. This false information and its affecting my credit score alot.

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 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Boa balance XX/XX/2019 XXXX Went online and this balance of XXXX included 2 transactions not recorded on the automated number ( attached recording ) this XX/XX/XXXX balance includes XX/XX/XXXX and XX/XX/2019 postings but on XX/XX/2019 recording they list the transactions of XXXX forXXXX. ON XX/XX/XXXX and fax plus {$11.00} ON XX/XX/XXXX AND THEN ON ANOTHER RECORDING I ATRACHED THEM ALL.. THEY ARE RECORDED on different dates that the XX/XX/XXXX recording states and THEY ARE NOT LISTED ON MY XXXX ONLINE BANKING TRANSACTIONS ON XX/XX/2019 AS PER THE RECORDING ON XX/XX/2019 ... .I AM REQUESTING BOA to be accurate in their postings of all my transactions and post credits of my personal monies from my bank account and debit card EACH AND EVERY DAY OF THE YEAR on my personal solely owned XXXX boa account in my name of XXXX XXXX XXXX XXXX Per XXXX XXXX boa regulatory commission XX/XX/2019 letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: WI

Complaint narrative:
On my credit it shows that i owe this debt but its not mine. My identity has been stolen i wouldn't doubt that someone open this account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I obtained an updated credit report and there's credit inquiries I do not recognize authorizing. I have contacted the credit bureau and I have received no help and a response that the information is true and accurate, I asked for proof I authorized the inquiries, signatures or documents. The credit bureaus will not provide me with this information and refuse to remove the unauthorized inquiries. 

XXXX XXXX XXXX- inquiry XX/XX/2019 XXXX XXXX inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019 XXXX- inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On my credit it shows that i owe this debt but its not mine. My identity has been stolen i wouldn't doubt that someone open this account in my name.

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 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
My identity was stolen and I'm not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
My identity was stolen and I'm not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is a credit card on my credit report from Capital One. I have never opened a credit card before- I have only used a debit card from XXXX and one in the past from XXXX XXXX . The card was supposedly opened on XX/XX/2018 and closed on XX/XX/2018. It supposedly had a limit of {$300.00} and has an unpaid balance of {$450.00}. Apparently a payment was made on it on XX/XX/2018. This credit card is not mine and has negatively affected my credit report and has also made it difficult for me to join the military. I have disputed the card on my credit report several times and it still has not been removed. I had no idea the card existed until a year or so ago I noticed an email from XXXX XXXX about the card. I have no past emails or contact from Capital One about the card so the information is under somebody else most likely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
The debt wasn't mine and I don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
The debt wasn't mine and I don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I obtained an updated credit report and there's credit inquiries I do not recognize and did not authorize. I have contacted the credit bureau and I have received no help and a response that the information is true and accurate, I asked for proof I authorized the inquiries. The credit bureau will not provide me with this information and refuse to remove the unauthorized inquiries. 

XXXX - inquiry XXXX XXXX XXXX  XXXX- inquiry XXXX XXXX XXXX XXXX XXXX- inquiry 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 2020-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Ria Envia, LLC

Complaint narrative:
Dear Officer, I used Ria Money Transfer to transfer funds ( {$3000.00} ) to my overseas account from my XXXX  XXXX XXXX account on XXXX of XX/XX/2019. But my account got debited three times ( in total of {$9000.00} ) because of which, bank charged me overdraft fees. 

Ria money transfer did refund the additional debited amount but not the overdraft charges which were applied by the bank, despite of my repeated emails and their assurance that they would refund the overdraft charges. I got couple of email from them that they have initiated the refund process and i would get my refund. 

Then my bank account got debited again on XXXX of XX/XX/2019 with {$3000.00}. When I had not initiated any transaction using Ria Money Transfer. 

The initial order number for my transaction on XXXX XX/XX/2019 is XXXX and my account is registered with my email id : XXXX Pls let me know if you want any supporting documents regarding this.

Company response to consumer: Closed with explanation