vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
Continuous withdrawals from one of my checking accounts from an online travel company names XXXX, whom Ive never heard of til now were taking money from my account starting from XX/XX/2019 thru XX/XX/2019. My daughter left my XXXX  computer at her friends home in which may have led to someone having access to my personal information. I had XXXX  XXXX   attached to my account from my other XXXX  products all being synced together and I believe this is how they ( he or she ) were able to make purchases and or set up online accounts. My bank was informed as soon as I noticed the withdrawals.They issued a refund then soon after reversed the issued amount of credit with no response given as to why. This led to overdrafts as of now from my account. My only part in this situation is not paying enough attention to my balance and transactions at the time of this illegal activity. When the bank submitted my request of fraudulent activity upon investigation and refunded my money I was told to get police documents or any paperwork of proof of anything I could if I can. But of course how could that be possible if everyone is clueless of the incident and not admitting guilt? I have no proof as to who did these transactions. I just know they were unauthorized and no product was exchanged for the money taken. This company has taken my money and I have nothing to show for it, no travel information, tickets, vouchers or anything leading to a trip in exchange for my money. 
Please assist me in re-reversing the money owed to me that I earned and the banks accountability of protection amongst their customers assets as promised. I have never had this happen to me from my own established bank. Ive now been robbed twice and treated unfairly. Your assistance is attentively needed. 

Thank your for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NC

Complaint narrative:
I applied for they discover card and was approved, after receiving my credit card from discover card my laptop was stolen and a ex girl of mine added herself to my account as a authervised user and received a card in her name under my credit ( XXXX XXXX XXXX ) I received the bill in the mail and the credit card statement and the card was maxed out! I contacted Discover Card fraud department and they closed the card down and reissued another one, but then they sent XXXX XXXX XXXX another in her name as well and was in contact with her and sending her mail under my name and asking her question about me and her. This is crazy!! XXXX XXXX XXXX stolen my information and made fraud charges and they talk to her and not me. She stole my computer and added herself to my account without my permission and received a card and maxes it out and they talk to her instead of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NC

Complaint narrative:
I applied for they XXXX  XXXX  and was approved, after receiving my credit card from XXXX XXXX  my laptop was stolen and a ex girl of mine added herself to my account as a authervised user and received a card in her name under my credit ( XXXX XXXX XXXX ) I received the bill in the mail and the credit card statement and the card was maxed out! I contacted XXXX XXXX fraud department and they closed the card down and reissued another one, but then they sent XXXX XXXX XXXX another in her name as well and was in contact with her and sending her mail under my name and asking her question about me and her. This is crazy!! XXXX XXXX XXXX stolen my information and made fraud charges and they talk to her and not me. She stole my computer and added herself to my account without my permission and received a card and maxes it out and they talk to her instead of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CA

Complaint narrative:
On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, American Express {$2300.00}, XXXX XXXX - XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXX  {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: TX

Complaint narrative:
I disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, XXXX XXXX {$2300.00}, LVNV FUNDING - XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXX {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, XXXX XXXX {$2300.00}, XXXX XXXX - XXXX XXXX {$410.00}, Midland Credit Management- XXXX XXXX {$2900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion within my report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
So on XX/XX/2020 I went into the Wells Fargo bank because I couldnt login into my account and I needed a new debit card. I came to find out that someone was using my account. And the lady told me that my account was considered a takeover. So I had them dispute 4 transactions with XXXX on the XX/XX/2020 {$500.00}, {$500.00}, {$1000.00}, {$500.00} And then there was over 6 transactions with XXXX XXXX XX/XX/2020 {$300.00}, {$300.00}, {$300.00}, {$250.00}, {$250.00}, {$250.00} and 3 more transactions with XXXX XXXX   on the XX/XX/2020 {$150.00}, {$150.00}, {$150.00} but they denied my claims. And I also told Wells Fargo that I wasnt even in town when the purchase were made. I offer to send them a copy of my airline ticket but they didnt care. And The lady also said that I could of planned it. And to stop lying because I was a XXXX and I was a theft and to go back to my country because I didnt belong here. They were super rude and XXXX to me. And I also got In contract with XXXX about the transactions and the reinsure me they had nothing to do with the transactions.

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 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Yes i missed my payment and pnc charged me a late fee but then i payed it off and it really hurt my credit score decreasing it by around 40points and i got charged a {$37.00} late fee or somewhere around that, i dont care much about the fee but im concerned about my credit score dropping that much off 1 missed payment. And all this happened on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : BBVA, Banco Bilbao Vizcaya Argentaria, Bank ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E.

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to BBVA debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE XXXX Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. BBVA bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY BBVA ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR BBVA TO ISSUE A CREDIT OF {$840.00}. 

( 2 ) BBVA IS REFUSING TO HONOR A REQUEST FOR DEPOSIT OF {$250.00} PROMOTIONAL INCENTIVE FOR OPENING THE BBVA ACCOUNT ( MEGA2019, ACCOUNT OPENED ON XX/XX/XXXX, XXXX-TUESDAY ) despite FULFILLING ALL REQUIREMENTS. I MADE THE REQUEST BECAUSE AN EMERGENCY HAS ARISEN AND I NEED MY MONEY NOW. 

BBVA IS ALLOWING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY BBVA ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERING THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND BBVAS INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2020 I made a check deposit of {$2500.00} to US Bank the teller told me funds would be available on XX/XX/2020. I checked my account on XX/XX/2020 and My funds were there. 
I started using my card after knowing my funds was available but they had decided to put a 7 day hold on the check after already releasing the funds to me. This check was issued to me by XXXX XXXX XXXX which is definately good and There funds are available to honor this {$2500.00} check. With me using my card for purchases and withdrawals US Bank decided to not credit my account for the funds they already credited me for and put my account in the negative and started charging me insufficient fund fees for no reason at all. I don't understand how they can give me my money and take it back and put it on a 7 day hold when the check I deposited was a good check. They could have easily call my customers bank to verify funds on the check i presented and Not give me money and take it back from my checking account. This has created a hardship for me cause now I have pending transactions on my account, overdraft fees on my account and they are holding my money now and my account is in the negative. This is truly poor business practices by US bank and should not never happened.My funds were available on XX/XX/2020 because I made a {$700.00} dollar atm withdrawal. My atm withdrawal would have been denied if funds was not available on this date.

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 2020-02-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX My CFPB complaint was that I believe USAA are criminals frauding consumers after they experience fraud. USAA HAS NOT RESPONDED other than deny any wrong doing claiming all credits are applied correctly WITHOUT ALLOWING CONSUMERS TO VIEW INTERNAL CREDITS & SEE WHAT BECOMES PERMANET CREDIT. They take advanage of those in bad situation. All USAA credits are temporary to begin and USAA coverts all fraud to disputes to create temporary credits internally that never become permanet. ALL USAA CREDITS ARE INTERNAL.I have never seen the permanet credit I was supposed to get letter XX/XX/XXXX documents. This letter, provided previously says Fraud credits for XX/XX/XXXX claim {$470.00} temporary credits HAVE BEEN MADE PERMANET but I am never alliwed to see these INTERNAL CALCULATIONS. There are NO PERMANET CREDITS I CAN SEE. It took USAA 10 months to complete this fraud in my favor. It was first converted into a dispute putting temp credits that BECAME CREDIT REVERSALS NEW PURCHASES. I called today, spoke to XXXX ASKED TO SEE MY INTERNAL CREDITS he says consumers are not privy to internal banking. Fraud Reported XX/XX/XXXX HAS NEVER GOTTEN PERMANET CREDITS BUT THOUSANDS OF DOLLARS OF CREDIT REVERSALS the temp credits created. How can USAA never allow me to view credits? How can they Not investigate fraud? XX/XX/XXXX fraud {$470.00} took til XX/XX/XXXX to complete this very first fraud that occurred on my account and this is just the beginning.This account was first used XX/XX/XXXX FRAUD IMMEADTELY OCCURRED. STILL NO RESOLVE but USAA SAYS ALL GOOD. USAA CAN NOT BE TRUSTED. They deny wrong doing after being fined MILLIONS. CLEARLY USAAs ATTITUDE OF ABOVE LAW DO NO WRONG HAS NOT CHANGED AND USAA CONTINUES WITH UNFAIR BUSINESS PRACTICES OR EVEN CRIMINAL ACTIVITY. Guess they are playing Follow the Country Leader. Fines do not stop them. What will?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one credit card company I received a email last week a week prior to todays date. And in the email says that I have an outstanding balance of {$700.00} that I need to pay or theyll take me to court and sue me and the case has been open for about two years and Ive managed to pay on it but I had to switch debit carts so just never got back with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Kohl/ Capone is being reported as a charge off as of XX/XX/2019, to my knowledge this account was paid off, please correct as it is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I applied for a loan modification due to financial hardship from Ally Bank on or around the XX/XX/XXXX and was granted an Extension Agreement over the phone. I was told that I would receive a document to sign in the mail. I received the Extension Agreement document dated XX/XX/XXXX on XX/XX/XXXX and faxed and paid the first installment the next business day XX/XX/XXXX ( within the time Ally Bank stipulated of 10 days from the date of the document ). 

On XX/XX/XXXX I contacted Ally Bank to find out if the agreement had been executed and was told that due to banking software upgrades in XX/XX/XXXX that it must have been overlooked. The reason I did not think the agreement was processed was that I got a notice from Ally Bank that my account was past due and my online portal did not reflect the payment schedule on the agreement. I was assured by Ally customer service after they tracked down the signed agreement that they would update my account to reflect the agreement in 2 business days. No updates were made and I continued to receive notices from Ally Bank for payment. 

On XX/XX/XXXX I contacted Ally Bank again three times because there was still no change on my account reflecting the Extension Agreement. I was on the phone for almost an hour and was hung up on 2 times by Allys customer service with no call back from them. On the 3rd attempt, I was able to reach a customer service representative and reach a conclusion. The agent stated at the end of the call that Ally bank would honor the Extension Agreement and update my account to reflect the agreement within two business days. No updates were made. 

On XX/XX/XXXX I emailed Ally Bank through my online portal and asked that they update my account to reflect the extension agreement. I included an attachment of the signed agreement and detailed my interactions thus far. On XX/XX/XXXX I got a reply stating that they received my email and that if I had questions to call their 1800 number. No updates were made.

Ally Bank is giving me the run-around and they are not honoring their own agreement. They are causing me a lot of unnecessary stress, time and money all in an effort to what is clearly a scheme to get even more monies in fees from folks with financial hardships. I am being financially responsible in trying to use the programs that they offer in good faith but in return, I am being met with underhanded shady practices designed to take advantage of the most vulnerable amongst us. I need help as Ally Bank is not working in good faith and is not abiding by our agreement.

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 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I Have received medical treatment for various reasons, including an accidental fall at a XXXX store thru XXXX XXXX  XXXX. The medical bills from this accident, has been submitted properly to XXXX because XXXX has neglected to pay anything. I have being in therapy for a year now, XXXX 's and other specialty treatments have taken place because of this. XXXX health has also treated me for other important tests proper of women 's health. XXXX has paid all of this bills reasonably, but XXXX has continously sent us billing even if I am not visiting the hospital, to a point where I dont know if we are paying more or not or the same bills. Without prior notification, this bills have been placed on my credit report, and has created our economic situation worse, because my husband, who is a XXXX veteran, has even paid some of these out of our own pocket to avoid them damaging my credit, but the problem is, now I have 4 colelctions and always from diffrent colectors with no prior notice of neither. By the time we get the bill, this are on my record. My husband, who is a former medical manager from the XXXX, has told me, that they might also be violating the federal law, because supposely when they charge and accept XXXX, that suppose to be final. 

By the dsame token, XXXX XXXX is overcharging, by dividing one visit into different medical professionals within the same clinic for that one visit, so i keep getting bills as if we were reach. 
The last bill I got for {$3000.00}, stated for us to contact XXXX to pay them, because they have not succeeded. Why should we do work of this anture for free and we dont know the process, they have been getting paid all along, and suddenly, Iam afraid this debt is going to suddenly show up on my credit. You will see that my credit has been ruined by this medical company in a short amount of time. 
Also, froederert hospital does the same XXXX and charged me only XXXX dollars as a residual for a bill of similar charges by XXXX.

Company response to consumer: Closed with explanation