vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I reached out to AD ASTRA collection company due to seeing their number listed on my report. The first thing I noticed is they are reporting on my credit report under " XXXX XXXX XXXX  XXXX '' but when I call their number they say the name of the company is AD ASTRA. I sent A certified letter requesting debt validation as they have two accounts listed with open dates XX/XX/12 & XX/XX/2012 for A place by the name of XXXX XXXX. I have informed them via writting and over the phone that I have never done business with such company. And I requested That they send me debt validation showing original contracts showing that I had an contractual obligation to this company. Which they refused to send me. When I called the representative informed me they do not have to give me that information and if it wasn't me then they wanted me to send them A police report in order for them to look into this account. Their representative was very nasty and unwillinging to help. She continued to say things like " Your accounts '' when I repeatedly informed her those accounts where not mine and I have never agreed to business with such company. I asked to speak with A supervisor and was informed by the supervisor that they could not send debt validation unless I request so in writting ( Which I have already done ) She explained they didn't receive the request and I would need to send it again. I have been reauesting this information for some time now and seem to be at A dead end with this company. I also asked since AD ASTRA are the ones reporting on my credit report why where they reporting under A different name? This company seem like A scam! I am requesting legal original contracts validating this debt with my signatures or for this to be fully removed from my credit report or I will escalate this even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am no longer able to access my account with a third party. The bank basically told me that there wasnt anything they could do even though they are the ones blocking it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge of inaccurate accounts on my Experian credit report. FTC ID Theft report # 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 non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: CA

Complaint narrative:
Cornerstone required me to pay my XXXX mortgage payment twice. In a Notice of Servicing Transfer dated XX/XX/XXXX, Cornerstone informed me that the servicing of my loan was being transferred to XXXX XXXX  effective XX/XX/2018 and all payments beginning with the XX/XX/XXXX payment should go to XXXX. I sent my payment to XXXX XX/XX/XXXX. On XX/XX/XXXX, I received mailed notice from Cornerstone that the notice of transfer was " inadvertently mailed '' to me, that I should disregard it and send all payments to Cornerstone. That same day I told a Cornerstone representative via phone that I had paid XXXX. She told me Cornerstone had decided to retract my loan, XXXX would send my payment to Cornerstone and I needed to do nothing. This was incorrect. Cornerstone sent me a delinquency notice on XX/XX/XXXX. When I returned a call from Cornerstone 's collections department on XX/XX/XXXX, the agent removed the late payment fee but advised me to pay Cornerstone a duplicate XXXX payment by the end of the month to prevent damage to my credit. I made a second XXXX payment to Cornerstone. XXXX can't find my first payment because the new loan number provided by Cornerstone was never activated. Cornerstone has done nothing to get this money back from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Here are the facts : I am filing this on behalf of my brother. I am his sister and he was seriously ill and near death last XX/XX/XXXX-XX/XX/XXXX. I traveled back to see him in XX/XX/XXXX as he was recovering. He is on XXXX and receives limited funds. In order to assist him with his finances, I made arrangements to be added as a " Payee ' '' on his checking account through Power of Attorney. He has an account with Citizens Bank. 

When I returned home, I logged into his account and I noticed extensive amounts of monies being drawn out of his account each month for various calls which appear to be fraudulent conference call charges from various companies ( including XXXX   charges ). He was not familiar with these charges and said he never incurred them. 

I contacted Citizens Bank about the fraudulent charges and have been calling their Customer Service and Claims Departments for the past 2-4 weeks. They advised me that these charges began in XX/XX/XXXX ( without my brother 's knowledge ), but he was never notified by the Bank of these charges. He informed me ( and the Bank ) that he was never aware of them. The people in the Claims Department have filed 4 different claims to date in order to reimburse him for these fraudulent charges. In addition, they have issued 3 different new Debit Cards to him since XX/XX/XXXX and the fraudulent phone charges have continued. The Bank advised me that the conference call charges began in XX/XX/XXXX but they will only reimburse him back to XX/XX/XXXX. I have had to contact them everyday to alert them of the new charges and file a new Claim everyday for the bogus charges. The Bank informed me that this is how I must handle all new charges that appear each day. When I requested that they put a STOP on these charges, they informed me that they had no way to do that.

I am at my wit 's end as to finding a reolution to this problem and have run out of ideas. Since my brother receives limited income, this is a serious problem for him. The Bank doesn't seem to be capable of assisting me or my brother to resolve or stop these fraudulent charges. One of the claims representatives seemed to think that the charges were generated from a dating website but so far, Citizen 's has not been able confirm or identify where the charges are coming from. I am seeking your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a check which I failed to read payee info, and presumed was made out to myself and the additional person on my insurance policy for a claim. On XX/XX/XXXX I attempted to use my debit card multiple times, called Citibank to ask what my balance was they stated it was positive tried to utilize card again. Finally called for the second time during a short period of time and was told my account had a fraud alert hold on it. I was never notified, not via text, email, phone call, nothing! I went down to the branch as advised by customer service or whoever was in the fraud department. Branch said they couldnt do anything they had to call fraud, which he did I provided more documentation than they needed and supporting documents as well only to be told NOPE sorry. I called my insurance company to notify them of the situation and placed a stop payment on the check so that they could reissue a check made only in my name since Im the only registered owner of that vehicle. Received a phone call today XX/XX/XXXX from my insurance company that Citibank has already cashed the check and theyre unable to reissue payment. I called Citibank, they said I had to go down to the branch Im not PLAYING that game again. The fraud department has already called my insurance to verify that this is in fact a LEGITIMATE check and its mine yet theyre withholding funds. I had someone from fraud state they would hold my account indefinitely and not close it, to which I asked about legality and they said it was legal for them to do! I cant get my insurance to reissue payment because this check Citibank has in face already cashed, and they wont let my account out of fraud alert because XXXX only knows why! I already went down to the branch, youve already called my insurance company and theyve in fact stated this check was FOR ME! What is the problem?

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 2018-06-01 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: CA

Complaint narrative:
My Wells Fargo bank refuses to replace my stolen bank card. I am in XXXX where I have been for 5 years, except for every 6 months when I go to XXXX. All of my withdrawals from ATMs reflect this. All of my messages confirm this. They have called me here twice and I first called them collect from XXXX onXX/XX/XXXX when the card and cash were taken from my purse - they were in my wallet which was taken. At first I called collect and was granted a replacement card but it later also had to be cancelled because the rural area where I am currently located has XXXX XXXX is on STRIKE INDEFINITELY. So I messaged many times that I now have been I informed the city Post Offices are delivering and the bank called me twice : on XX/XX/XXXX and the first replacement bank card was cancelled but the new one was denied me. Finally tonight I was contacted but only allowed to answer 2 questions to identify myself - Do I have an American cell phone and what is the number So they may text me a code FOR SECURITY REASONS that I must have to confirm it is my account. How insane is that? It's not possible. I live in XXXX!!! I told them I am surviving begging for money to eat, feed my 2 dogs and goat who are all with me OUTSIDE WHERE I SLEEP with NO MONEY FOR HOTEL OR ANYTHING, especially MEDICINE FOR XXXX XXXX. THEY DO NOTHING. IT IS MY MONEY I NEED AND MY BANK CARD THEY ARE WITHHOLDING, NEGLECTFULLY, ABUSIVELY, INCOMPETANTLY.

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 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft report # 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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America refused to honor a check for {$1200.00} to a vendor. They said the check appeared to be " counterfeit, '' despite it being very legible, written and signed by the same person, and had no issues that they could identify. 

The vendor relied on the check and paid other bills. When the check was dishonored, he ended up with multiple fees for bounced checks on his account. 

Multiple calls to Bank of America customer service produced no results. They refused to honor the check and refused to refund the resulting bounced check fees for the vendor ( we were both BOA customers ). 

I deal with half a dozen banks on a weekly basis, and some are certainly better than others, but BOA has absolutely the worst customer service I have experienced in many years.

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 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I appied and was approved for a citi card. When I tried to activate it they sad I needed to fill out additional paper work which included sending a copy of my social security card. I did what was requested and now they are giving me a run around, saying that the zip code starts with a XXXX. They are saying I have to fill out even more paper work. They are refusing to close my card, they ran my credit there effecting my score and they will not close MY account. I am done dealing with them an I want this card CLOSED IMMEDIATELY. The last person who REFUSED to close my account her name was " XXXX ''? Her employee number is XXXX. Please help as I do not want to deal with this company any more.

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 2018-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I purchased a vehicle ( XXXX XXXX XXXX XXXX - White ) from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX ) on XX/XX/XXXX. 

I noticed that a couple of weeks had passed, and that my original loan from my trade-in, had not been paid off. I made several attempts to contact the dealer, to inquire about the loan pay off. Every time I called, I was either placed on hold, with nobody returning to the phone, or was told that someone would contact me. Each time, no response. I eventually reached out to my sales rep, who said he spoke to someone in Accounting, and that the check had already been mailed. He even assured me that it would reach my lender by XX/XX/XXXX. I even gave it a couple of days, and on XX/XX/XXXX had checked with the lender to see if the check had arrived. They explained to me that they had not received the check for this loan pay off. I was finally able to reach someone in Accounting on XX/XX/XXXX, who told me that they had, in fact, had not mailed the check. 

I have purchased several vehicles and have never experienced a loan pay off as slow as this one. I have even had to make an additional payment on the prior loan, so I could avoid late fees and a negative hit to my credit. It's not so much the fact that it has taken so long, but the simple fact that I have been lied to repeated times about the situation. I'm genuinely concerned that this dealer will not pay off my pre-existing loan, even though they have contractually agreed to do so. 

It's now XX/XX/XXXX and there are no signs of things loan being paid off.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
The Discover Bank refuse to provide me a monthly statement including ONLY the transactions for that month for XXXX and XXXX ( say quarterly end ). 

They do provide monthly statement on XXXX, XXXX and XXXX, but for the XXXX statement and the anticipating XXXX statement, they include all activities in that quarter ( say it becomes a quarterly statement ). 

I asked them to provide me a monthly statement in addition to the quarterly statement. But they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
* Son ( formerXX/XX/XXXX) called for information about parents account -- - parent recorded with out their knowledge -- - which is agents Florida statue 934.03 -- - subsection three d * Filed two complaints, one was miss processed -- - The other one simply vanished

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Team Recovery Inc.
State: GA

Complaint narrative:
I live in XXXX and my minor daughter, XXXX XXXX, goes to XXXX in the summer to visit her father. I received a credit alert from Team Recovery for a collection of {$120.00} for XXXX XXXX XXXX. I was not aware of any debt nor did I take XXXX to this hospital but it appears my insurance was billed for the services. I contacted Team Recovery for more information and spoken to in a harsh and disrespectful tone. Also, the contact information they had for me was incorrect. I thought this may have been a possible scam and proceeded to contact XXXX XXXX XXXX. I was informed there was a balance of {$120.00} for services my daughter received in XX/XX/2017. I do not feel responsible for this payment since XXXX was under her fathers care at the time in a completely different state from where I reside. However, I agreed to pay the balance in full in order to have this information retracted from my Team Recovery and removed from my credit file. XXXX XXXX agreed to this and I provided my contact information for a {$120.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NY

Complaint narrative:
saw I C SYSTEM INC on my credit report called I C SYSTEM INC and asked them to provide documents what is charge is all about, asked them to provide me with letter of disputed and include additional supported documents based on {$700.00} collection they put on me. Costumer rep was rude, did not want to provide anything. I assume they do not have anything to support the claim

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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This claim started back in XX/XX/XXXX, I lost my wallet at our local mall here, I think, and that is how it all started, someone gained access to my personal checking accounts, inflated the accounts by depositing money into them, my payroll hit during this period, and then they withdrew everything ... I lost my entire wallet so it's safe to say that my ID and everything was in there. Once the claim was filed I got reimbursed XXXX for a fraudulent ATM withdraw ( Testing the waters for them I'm assuming ). My fraud check claim was initially denied because Bank of America stated " That the parties involved benefited from these transactions '', what does that even mean!? Either way, I'm writing this in XX/XX/XXXX, still not resolved in fact, things have become even more complicated. The account is still on hold, and it is still negative, since it has been negative for so long it has gone into collections, I can't stop the collections department even though the account is " Under investigation '', I can't stop them from reaching into my other Bank of America account and taking everything but {$25.00} in my name, they have done this twice already and the second time was within hours of receiving my direct deposit. Because of this lovely automated system, I can't pay rent, I can't pay my bills, Car payment, credit cards, student loans, nothing ... and according to all 5 of the different departments I talked to today ... I can't do anything to reverse that. Bank of America has apparently not looked at any footage for that day since then and I have submitted for multiple reconsideration 's in order to help my case, I've filed a police report, I have reached out to anyone and everyone in order to help but no one seems to know anything about this current situation, as a matter of fact, everyone I've talked to that has gone through the same thing claims their issues got resolved within the first week ... What can I do?

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