vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
Today I received an alert from my credit monitoring services that this company has reported that I owe them a debt. I have never done business with this company nor have I ever entered into any contractual agreement with them promising to pay for neither goods nor services. I have never received any notification from them either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Citibank Priority account in XXXX in US through their website. Immediately after I opened my account, I had to travel to XXXX for work. I had accessed my account couple of times and things were fine. 

Recently I found that my account was locked, I called the Citi bank US personal banking customer care to unlock my account. Due to the corona issue, I generally need to wait for about 10-15 minutes before I can speak to the customer care agent. 
The representative asks me a couple of questions ( SSN, address, account balance, account opening date, account time, all the account holders name, etc ) for which I reply. Then they ask me for the account number or the debit card. I don't have either of them, since I had traveled to XXXX before I could get my Debit card of my first statement. 

They tell me that there are only the following ways in which I can get my account unlocked : 1. Come to any Citi bank in US and show my identity - like passport or Driving license. This is not possible now, because of the corona issue going on now.

2. Get access to Debit Card or statement - These are currently stuck in my mail box in USA and I'm here in XXXX. I cant travel now to get the mails. 
3. One of the agent told me that I could try to get myself verified with the Local Citi Bank ( XXXX branch ) and ask them to send an email, but when I checked with them, they stated that they would not do it. 

I call the customer care to explain my situation and that the options provided to me are not viable at this time, but they don't see to care. I tried asking them to provide me an email address or get me transferred to a higher officer who could help, but they are unresponsive and cut the call.

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 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I paid off my Discover Card balance and requested a credit increase. I was transferred to three different people all who said they would submit the request and I would have a response in 30 seconds. The first person said there would not be a hard hit on my credit report, but then said I needed to talk to another group. The second person said there would be a hard hit on my credit report. The second person continued but then they transferred me to a third person. The third person said there would be yet another hard hit on my credit report for the increase. At this point I told Discover staff I simply did not believe what they were saying. I did not get a credit increase and I was told there was now a hard hit on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: NY

Complaint narrative:
As of XX/XX/2020, Transunion still reports XXXX XXXX XXXX as verified even though I've sent Transunion documentation explaining inaccurate last date of payment. Wrong or misleading balance owed or past due. As a result of TransUnion is in Violation of FCRA rules.

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 2020-03-20 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: U.S. BANCORP
State: KY

Complaint narrative:
XXXX XXXXpersonal account {$130.00} & {$1300.00} I went to the bank to cash several checks. I was surprised that the teller available was someone I knew but she did not usually work at that location. 


Sometime in XXXX I started receiving calls that my account was in overdraft. I thought it was a scam at first. Finally after numerous calls I had to give them personal information and that is when I became aware there was a problem with my account. 

the bank claims That the teller gave me too much money back for my checks. I disputed that claim. I eventually met with a regional bank manager. I told the manager about my personal experience with this teller and that she was almost terminated previously because an incident concerning my husbands business and the teller giving out information that she was not authorized to give. 

The bank teller was fired for reasons unknown.. however I suspect it was due to the situation concerning transactions made that day concerning me, personally. The bank claims this teller gave me too much money when she cashed my checks. I dispute that claim. 

I have tried to call this regional employee but he doesnt return my calls. I am being harassed by phone calls and I would like the bank to open a full investigation or quit harassing me with phone calls.

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 2020-03-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Liberty Holdings, LLC
State: OH

Complaint narrative:
I received a call from an unknown caller, " Location Services '' stating they were locating me in XXXX county to serve me papers but I needed to call the number XXXX and use case XXXX. I called this number gave the case number she would not go over the case and said that she was sending the XXXX  to come to my job and take me to court. She just needed my location. She said it was for a payday loan 2 years ago. 
Very nasty, making threats.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I been a capital  customer for some years now. I have a 360 checking account and several credit cards. I recently made a deposit for a refund check from XXXX XXXX. The deposit is in the sum of {$4900.00} and for reasons unknown to me capital  has decided to place a hold on my checking account. Note, that I said account and not the funds for the check in question. Even after having contacted capital one about such an issue and waited in line as well as been transferred several times. Capital one has engaged in some form of questionable practice which involves placing a hold on a person account and not offering any explanation for such action.Last, in the time I have managed all my capital one account as always I am yet to overdraw my checking account or made a single credit account payment late.However, such an action has not shield me from such a questionable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: AR

Complaint narrative:
I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my 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 2020-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
An International money transfer was sent from my mother to me through Western Union on XX/XX/2020. This transfer was set to be picked up by me in the XXXX XXXX. The transfer was in the amount of XXXX USD. The money order was instead picked up by someone else in the XXXX using my info on XX/XX/2020 even though I have never been to the XXXX and can provide documentation proving this. XX/XX/ called and explained the situation and requested a refund was informed that an investigation would be done. Called again on XX/XX/20 and was informed that a refund would be granted and in 24 hrs we would be contacted with a new tracking number to receive the refund, never got a call from Western union On XX/XX/20 got in contact with western union and was told that there would be an investigation again into the matter and that they would contact us in 24hrs. this never happened and instead, we had to contact them and were told that the refunded money was picked up even though it never was because we never got a new tracking number for the funds. XX/XX/20 spoke to a supervisor and was told the case was still under review

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
I received a call from an unknown caller, " XXXX XXXX '' stating they were locating me in XXXX county to serve me papers but I needed to call the number XXXX and use case XXXX. I called this number gave the case number she would not go over the case and said that she was sending the sheriff to come to my job and take me to court. She just needed my location. She said it was for a payday loan 2 years ago. 
Very nasty, making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
On XX/XX/2020, I applied online to Comenity Bank for a {$15000.00} 1-year CD advertised then at an APY of 2.10 %. Days later, I received in the US mail a letter from Comenity dated XX/XX/2020 asking for photocopies of my driver 's license, Social Security card, and a bank statement. I mailed copies of each to Comenity the next day. My correct name, address, DOB, and SSN shown were all consistent and were consistent with what I put on the application. On XX/XX/2020, Comenity emailed me denying my application. I called Comenity customer care ( XXXX ) and asked why. XXXX confirmed that Comenity received what I mailed but refused to supply a reason for the denial. That day, Comenity 's advertised APY for the 1-year CD was 1.60 %. My credit score is excellent. I have never defaulted, filed for bankruptcy, or been denied CDs or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Bureau of Med Economics. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Opened 4 CDs on/around the time Ally bank offered a bonus promo offer that they would not extend to 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 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
During this time of the coronavirus, I have been unable to leave my home due to a compromised  XXXX  XXXX. I have been unable to add funds to my PNC account. 

On XX/XX/2020, due to my account falling under {$500.00}, PNC charged me a {$7.00} fee. 

I tried to contact them online to receive a phone number. The line was busy when I called and then while waiting the call was dropped. No chat fee available. I have had the hardest time trying to contact them and am unable to go into a local branch. 

During this pandemic, fees should be waved due to people like myself who can not make it to a bank to deposit cash. Also, chat and online features should be made available if call lines are busy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM ABSOLUTELY FURIOUS WITH EQUIFAX, I HAVE BEEN REACHING OUT TO THEM FOR OVER 1 MONTH REQUESTING REMOVAL OF THESE FRAUDULENT ACCOUNTS, THEY SAID THEY WILL REMOVE THE ACCOUNTS YET IT IS STILL REMAINING IN MY CREDIT REPORT, AFTER IT ONLY TAKES 24 HOURS TO REMOVE FRAUDULENT INQUIRIES. THEY HAVE MY FTC IDENTITY THEFT REPORT ON FILE AS WELL. I AM FURIOUS WITH THEIR CUSTOMER SERVICE. THEY HAD A DATA BREACH LEAKING OUT MILLIONS OF SOCIAL SECURITY NUMBERS AND PERSONAL INFORMATION, AND THEY HAVE THE NERVE TO TREAT CONSUMERS THIS WAY!!!!! I HAVE BEEN SO PATIENT WITH THEM BUT THIS IS GETTING RIDICULOUS ALREADY, THEIR DEPARTMENTS ANSWER THEIR PHONES AFTER 2 HOURS OF STAYING ON THE LINE, AND IM SICK AND TIRED OF CALLING AND GETTING NO RESOLUTION, I HAVE ALSO SUBMITTED FRAUDULENT DISPUTES ONLINE AND STILL HAVNT GOTTEN ANY RESOLUTION.!!!!! I HAVE LISTED THE INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX  | Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I received notification from Midland Credit about an account that was assigned to them by XXXX XXXX XXXX. I contact Midland Credit and they threatened to garnish my wages so I set up a payment arrangement with them. I then reached out to XXXX XXXXXXXX because I realized I never had an account with them. I disputed the validity of the account and requested a copy of the application. They said to contact Midland because they no longer have it. I reached back out to Midland several times attempting to dispute the account but they refused the dispute. They directed me online to look at the documents. The only documents they have are statements and arent able to provide me a copy of an application either. Midland suggested completing a Police Report for an account they open in 2006 and I have no information to provide them. This account has affected my credit negatively and I need assistance resolving the matter. Ive also disputed it with the credit bureaus without success. The account number with Midland Credit is XXXX. They gotten my money under false pretenses and I want this account deleted from my credit, as well as my money back from Midland Credit.

Thanking you in advance for your assistance! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Late fees on credit report is reported inaccurately.. please do a full investigation to verify late payments reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
This morning I received a call from XXXX XXXX. I spoke with a representative that informed me of a debt from 15 years ago. I laughed at him because I can't believe this is where we are in these times. You're calling to collect a debt from 15 years ago? If they would've checked my file, they'd see that all of my student loans were DISCHARGED back in 2014 because I am a XXXX XXXX Veteran with XXXX XXXX XXXX and XXXX   XXXX. So there's no need to try and collect because I'm not going back to work and the money I get is protected. Secondly, I am currently in bankruptcy. All they had to do is look at my credit report and they'd see that. After laughing at the representative and telling him that this is WAAAAAAAAYY past the statute of limitations, I informed him of my bankruptcy and gave him the file number. 
He told me, " A debt is still a debt. '' I mean, I know he's doing his job. But really??? 

I also have a recording of this call if anyone needs it. All of my calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited my paycheck on XX/XX/XXXX, from the same employer that I have been depositing checks every week for over 6 months now. I live paycheck to paycheck and need money as soon as I get my check, I am a XXXX student, work a XXXX job in order to support myself. Bank of America decided to delay my paycheck that I deposited on XX/XX/XXXX till XX/XX/XXXX. When I called, they did not provide a sufficient reason about the check being held and refused to let me speak to the department that handles hold for checks, saying that I have to go through an intermediate manager in order to contact them and I can not speak to them myself. Bank of America has decided to hold my paycheck till next Saturday, when I asked to speak with a manager they recommended that I apply for a credit card or a loan since I do not have any money in my account to buy food, pay rent or get my medicine. They have decided to this in the middle of the covid-19 epidemic, I live in XXXX where almost all offices are closed and getting any necessities like food, medicine is extremely hard which makes matters worse.

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 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX  and headquarters. I explained that I had a error on my credit report due to an account open on XX/XX/XXXX for XXXX XXXX. XXXX representative looked into the matter but couldn't fine an open account for that date. so I was transferred to fraud and from there they managed to fine the account open on XX/XX/XXXX. XXXX XXXX fraud department then transferred me to a company called ''Convergent '' to dispute the open account that amounted to {$1100.00}. however, Convergent then transferred me back to XXXX XXXX fraud department and no matters were taken care of. I called XXXX credit bureau for 2 days with no form of a live representative. XXXX XXXX did inform me that the SSN on the open account does not match my own SSN and a different  address is used in the open account.

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