vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XXXX I was charged for services by XXXX XXXX that were never rendered. I have attempted to resolve this issue with a simple dispute. I contacted XXXX XXXX, XXXX and Discover to let them know that I was fraudulently charged by a merchant for services not received. 

Although I have contacted them several times they have not resolved the matter nor given my a credit for this items. 

The charges are : XXXX XXXX XXXX XXXX XXXX + XXXX Discover XXXX These charges total XXXX. 

I reached out to XXXX for resolution because the credit card companies refused to resolve the issue. However, XXXX stated they are not responsible and the credit card companies have to resolve the issue. I also field a complaint with FTC based on XXXX telling me that the document the merchant provided was false and the transaction numbers have been altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX XXXX {$100.00} ), and XXXX ( {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to XXXX, Equifax, and XXXX  about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: CA

Complaint narrative:
I contacted all three credit reporting agencies to report identity theft/fraud on XX/XX/2019. 
XXXX XXXX removed the fraudulent charges - deleted XXXX XXXX XXXX - deleted XXXX XXXX XXXX - deleted XXXX/XXXX XXXX {$8700.00} I have disputed this charge 2 times. XXXX states the charges " remain '' XXXX  Credit Reporting has not investigated this. I have not been able to receive any information regarding " What the purchase was '' " Where was the purchase made '' etc I have the right to this information. 

** I have attempted to contact XXXX XXXX XXXX 10-12 times and have been completely unable to speak to anyone on the phone. I have mailed copies of my police report to all three credit reporting agencies and to XXXX XXXX XXXX. No response what so ever. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: CA

Complaint narrative:
I contacted all three credit reporting agencies to report identity theft/fraud on XX/XX/2019. 
XXXX XXXX removed the fraudulent charges - deleted XXXX XXXX XXXX - deleted XXXX XXXX XXXX - deleted XXXX/XXXX XXXX {$8700.00} I have disputed this charge 2 times. XXXX  states the charges " remain '' XXXX  Credit Reporting has not investigated this. I have not been able to receive any information regarding " What the purchase was '' " Where was the purchase made '' etc I have the right to this information. 

** I have attempted to contact XXXX XXXX XXXX 10-12 times and have been completely unable to speak to anyone on the phone. I have mailed copies of my police report to all three credit reporting agencies and to XXXX XXXX XXXX. No response what so ever. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo makes it a pleasure to charge {$35.00} overdraft fees, it less than a month I have been hit with {$100.00}.

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 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I added XXXX XXXX as a new payee to my automatic bill pay on my TD checking account. I schedule monthly payments of {$2800.00} to pay my mortgage to XXXX XXXX. On XX/XX/XXXX TD Bank paid XXXX XXXX XXXX {$2800.00} which I saw on my mobile app. I called TD to report the error. I was told by TD customer service that XXXX XXXX  was not a payee in my bill pay which I confirmed on my mobile app. I spent an hour on the phone which ended in TD Bank saying there is nothing they could do to retrieve my money. I was instructed to call XXXX & XXXX. On XX/XX/XXXX XXXX XXXX XXXX confirmed I have a {$2800.00} credit on my account but said they can not return my money. They instructed me to call TD Bank. On XX/XX/XXXX TD Bank said there was no system error on their part. And they said customer service was wrong during our phone call on XX/XX/XXXX. I was told that XXXX XXXX is a payee in my bill pay and has been since XX/XX/XXXX. And they repeated that no error occurred. This part concerns me most because it appears to be a lie. XXXX is STILL NOT showing as a payee on my account. I have screen shots to prove that XXXX XXXX is still not there as of XXXX XX/XX/XXXX. I think there was definitely a system error on TDs part and now they are lying about what they have discovered in order to cover up the problem. In the meantime, I still need the {$2800.00} that XXXX XXXX XXXX has refused to return in order to pay mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I found out that someone had opened a store credit card in my name only when I ran my credit report and it came up that I was in collection by a company called 'Resurgent/LVNV Funding. Apparently someone got a store card from this store called 'XXXX ' and charged {$51.00} in XX/XX/XXXX. The bills were going to my house in XXXX, which is vacant. I live in XXXX. I never got any bills from XXXX, I called them and they admitted that the bills were coming back 'undeliverable '. Yes - I have no mailbox there. So they sold the debt which went from {$51.00} XX/XX/XXXX to {$320.00} in XX/XX/XXXX ( late fees, etc. I suppose ). So I found this out in early XXXX and filed a dispute with XXXX. I also contacted XXXX, which I am a member. I got no where. I contacted Resurgent on XX/XX/XXXX and they sent me an affidavit, which I promptly signed/notarized and sent back. I followed up on XX/XX/XXXX and again XX/XX/XXXX and spoke to the same person, 'XXXX  XXXX and she is still telling me that it is in 'Review '. They tanked my credit score from XXXX down to as low as XXXX at points. I could not get any other credit cards this summer. 

How can this be?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX ( {$100.00} ), and XXXX XXXX {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to XXXX, XXXX, and Transunion about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.

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 2019-12-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX ( {$100.00} ), and XXXX XXXX {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to Experian, XXXX, and XXXX  about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.

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 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have a XXXX Mastercard issued by Barclay Bank that was issued in XXXX  in 2019. 
Someone evidently called Barclay and asked for a replacement card XX/XX/19 and it was sent to them at another address that is not mine. I never asked for or received the second card. The person then took the card to XXXX XXXX in California and tepid to da a can advance withdrawal which was denied and then they tried again evidently using the chip on the card a did a cash advance for {$4500.00}. which went thru on XX/XX/19. 

I notified Barclay after I received my statement that this was fraudulent. I put a stop on the card ending in XXXX and they sent me a new replacement card ending in XXXX which I received XX/XX/19. 

I was notified on XX/XX/19 that they were stopping the investigation because they thought I couldn't prove it was me. 

I asked them how could they send a request for a replacement card to a different address in a different state without verifying with me. I also asked how could a bank give a cash advance without proper identification. 

After must frustration they have reopened the investigation on XX/XX/19 but as of today XX/XX/19 they have not resolved my issue. 

I have filed a IC3 Complaint and I have filed a Police report with the XXXX, CO police department officer 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 monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX, we closed our current primary mortgage with XXXX XXXX ( XXXX ) in XXXX, Ohio. In XX/XX/XXXX, we were notified that our mortgage had been sold to Fifth Third Bank ( FTB ). We called XXXX and were given our FTB account number for interim use as well as told we would soon be receiving a welcome letter from FTB. In XXXX, We set up auto payments to the FTB account number we were given. These were made as arranged. Though we never received any welcome letter from FTB ( and we have requested it multiple times since ), in XXXX we received notice from FTB that our mortgage was in default and threatening foreclosure. After two full days of discussions with FTB, we determined that the FTB account number we were given was incorrect and with no initial documentation from FTB, we had no way of knowing this. Our payments were credited to someone elses FTB account, but those payments otherwise complied with all other requirements of our account in terms of amount and due date. FTB representatives ultimately transferred our past payments to our account but demanded almost {$900.00} in additional escrow payments. Apparently an escrow analysis was conducted before we received the first and only communication from FTB ( the default notice ) and this analysis assumed we had made no payments. Initially, we were told that if we paid one month of the escrow shortage, all would be even. We paid this amount separately only to again receive a notice of being in default. Upon contacting FTB, we were told the information about one monthly payment resolving the issue was wrong but it didnt matter. Either we pay up or we would lose our home ( this is almost a direct quote from their so-called customer service manager ). She helpfully added that SHE had the last word on this and that we better take this seriously unless we wanted to lose our home. Its worth noting the further incompetence apparent in our dealings with FTB. If each new department I called was to be believed, there was no record anywhere of any of my previous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian let someone steal my identity and access my private information for criminal activity. Now I am unable to see what the thief has done under 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 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CO

Complaint narrative:
On Tuesday, XX/XX/2019 at XXXX XXXX, I attempted to deposit 3 checks totaling {$2500.00} into my checking account at US Bank at their ATM machine at XXXX XXXX XXXX, XXXX, CO XXXX. The ATM machine took my debit card and the checks, but never completed the transaction. The machine shut down, then restarted, but did not return my card or checks. The bank was not open, so I contacted a representative of US Bank by phone and gave her my information. She was going to open a dispute for me. I was advised to contact the bank when they opened at XXXX. I contacted the bank on Wednesday, XX/XX/XXXX, and was told by a bank manager that the ATM machine was opened weekly on Thursday afternoons. He said he would contact me and return my card when the machine was serviced. I was told I could not re-deposit the checks because they had been in the machine, but would be given provisional credit for the deposit. I received a call late Thursday afternoon, XX/XX/XXXX that my card had been retrieved, and I could stop by the bank and pick it up. I went to the bank on Friday afternoon, XX/XX/XXXX and was given my card. The bank representative who returned my card, XXXX XXXX, told me they had my checks and I should be receiving credit on Monday or Tuesday, XX/XX/XXXX or XXXX. I left a voice mail on Tuesday, XX/XX/XXXX when I had not received credit for the deposit or any communication from US Bank. My call was not returned by Thursday afternoon, XX/XX/XXXX so I went to the bank and spoke to XXXX. She assured me that someone was working on my dispute, but she contacted someone in the online banking department who told her my dispute was rejected. She was very apologetic and says this has never taken this long, but that someone would call me on Friday, XX/XX/XXXX to get more information. I have yet to be contacted and have not received credit for the deposit.

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 2019-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I found out that someone had opened a store credit card in my name only when I ran my credit report and it came up that I was in collection by a company called 'XXXX/XXXX XXXX. Apparently someone got a store card from this store called 'XXXX ' and charged {$51.00} in XX/XX/XXXX. The bills were going to my house in XXXX, which is vacant. I live in XXXX. I never got any bills from XXXX, I called them and they admitted that the bills were coming back 'undeliverable '. XXXX - I have no mailbox there. So they sold the debt which went from {$51.00} XX/XX/XXXX to {$320.00} in XX/XX/XXXX ( late fees, etc. I suppose ). So I found this out in early XXXX and filed a dispute with XXXX. I also contacted XXXX, which I am a member. I got no where. I contacted XXXX on XX/XX/XXXX and they sent me an affidavit, which I promptly signed/notarized and sent back. I followed up on XX/XX/XXXX and again XX/XX/XXXX and spoke to the same person, 'XXXX  XXXX and she is still telling me that it is in 'Review '. They tanked my credit score from XXXX down to as low as XXXX at points. I could not get any other credit cards this summer. 

How can this be?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have never done business with Square. I did not order anything from Square. I did not authorize Square to debit my account in anyway. However, on XX/XX/2019, they debited my bank account {$100.00}, which caused an overdraft and a {$40.00} fee. They were never given permission by me to debit my account. When I called them, they refused to look into it and have forced my hand into contacting enforcement agencies. I'm not sure if you can help, but hopefully you can at least point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2019 {$25000.00} was taken out of my account without my permission. The very next day on XX/XX/2019 another {$2500.00} was taken out of the same account. On XX/XX/2019 {$2500.00} was taken out of my account. Then on XX/XX/2019 another {$2500.00} was taken out of that account. That was {$10000.00} taken out of my account within a 12 day span. Then on XX/XX/2019 another {$2500.00} was taken out of my account. On XX/XX/2019, another {$2500.00} was taken. This is {$15000.00} that has gone missing from my account. Each time I filed a complaint I was told the amount would be returned within 10 days of the transaction. With each of these incidents the 10 day mark passed & the money that was taken was not returned. Ive asked, called, texted, & waited patiently for Bank Of America to return all of the money they have taken from my account. The bank failed to do a reverse wire for all of these transactions. With the last transaction Bank Of America refused to reopen an investigation. They promised that the money would be returned to me & is refusing to give me my money back,

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 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a bankruptcy public record that is reporting to my credit report that belongs to someone else with a similar name. I called then visited the courthouse but they could not locate the file in my name with a matching Social Security Number. I contacted the creditors and credit bureaus to remove the bankruptcy along with the accounts relating to the public record. The creditors have removed the accounts off two of my credit bureau reports so far, but the actual bankruptcy still remains on my credit reports despite the removal of the associated accounts. Please help me remove this blemish on my report because it not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I contacted HSBC right away letting them know to take off the XXXX as we were sold fake jewelery but charged for real. We sent in the information they asked over 3 times and have paid and have proof it went through but instead of taking it off my account they are leaving it their and keep sending the same form to send out this was supposed to be taken care of this is back from XX/XX/XXXX 31

Company response to consumer: Closed with explanation