vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I reported a " debt '' as fraudulent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Whoever incurred this debt initially with PayPal didn't know how to spell my name correctly and used an email address that didn't belong to me. The amount was for {$940.00}.

After investigating, they should have realized that this debt was not legally mine and dropped it. They never contacted me again. Instead of writing this off as fraud ( or whatever companies do when they deal with fraud and theft ), they sold this " debt '' to another collection agency to harass me more. They did this either with the knowledge that this debt was fraudulent or without following up on my report that it was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX of XXXX i opened the wells fargo business account, put in enough money and met all the requirements. i called several times and went in numerous times and was told each time and by supervisors that i met the requirements. they escalated it. they never paid me. 

in XXXX i opened a citi account and again in XXXX i was considered new for both and was told i also met the requirements, and in a chat, several times for both accounts and was never paid and have been locked out of all online accts and no one speaks english when i 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 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On XX/XX/2019 at ( i ) XXXX XXXX ET, and at ( ii ) XXXX XXXX ET, two fraudulent unauthorized EFT debits for {$2000.00} ( Transfer Amount ) + {$5.00} = Total {$2000.00} were made by the operatives of Western Union Financial Services , Inc., XXXX XXXX, XXXX, CO XXXX. Western Union Tracking Numbers ( MTCN ) for the two EFT debits  are XXXX and XXXX, as can be seen in the attached documents. The first EFT debit was successful, meaning {$2000.00} debit EFT was posted to my XXXX  XXXX XXXX Checking Account at XXXX XXXX   and money paid out XXXX XXXX  in XXXX, XXXX. The second EFT debit was not posted to my checking account by about XXXX XXXX, and lateron cancelled after I spoke with Ms. XXXX and Ms. XXXX, Operator ID XXXX of Western Union between XXXX XXXX and XXXX XXXX. Western Union 's Dispute/Fraud Reference # for both fraudulent MTCNs is XXXX for the two unauthorized EFT debits ( MTCNs ). I contacted XXXX County Police and have communicated this incident to a Police Officer. I contacted XXXX XXXX XXXX four times, 2 times over phone, and 2 visits to local branch. During the fourth contact by telephone call between XXXX XXXX  and XXXX XXXX, XXXX  XXXX XXXX representatives were able to stop the release/payment of {$2000.00} from my Checking Account to Western Union for XXXX XXXX. Today, XX/XX/2019, XXXX XXXX, I have received Western Union 's Scam/Threat e-mail that the {$2000.00} paid out by them within 2 minutes of EFT debit transfer on XX/XX/2019 will be referred to a Debt Collection Agency, since they were not paid {$2000.00} for the fraudulent debit EFT. I have reported these to you ( CFPB ) in the morning on  XX/XX/2019, between XXXX XXXX  and XXXX XXXX. I am providing you details with document attachments via this website and written compliant by me. Please investigate the above fraudulent activities by the operatives of Western Union, or in collusion with them by what appear to be XXXX Speaking persons ( since, when I called this afternoon,XX/XX/XXXX and pressed the MTCN XXXX after calling XXXX, I heard XXXX-like gibberish talk, and the phone connection got disconnected, twice ). This is the whole story so far. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: NY

Complaint narrative:
Received bill and paid {$3000.00} for all charges XX/XX/XXXX through bill pay of bank Received XXXX Statement and funds not credited. 
Called and spoke with representative on XX/XX/XXXX and provided all reference numbers from bank as check had been send and cashed by company XXXX XXXX # XXXX   ). Reference XXXX, payment reference XXXX Received letter from Barclay XX/XX/XXXX now asking for copies of check from bank Sent XX/XX/XXXX by mail with copies of all bills/correspondence and statement Continue to receive abusive phone calls from credit company asking for payment several times per day.

NYS Attorney General Contacted and complaint filed.

This consumer abuse.

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 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My name is XXXX XXXX. My ex wife and I lost our home. We never received any information about the our loan modification back in 2009. Documents were provided as requested and checks were returned for mortgage payments by the bank. After we were informed that our house was in foreclosure, it was published in the local newspaper. We didnt receive anything by phone or mail. This is the physical address of our home at that time. Please contact me with any questions at XXXX or XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Thank in advance Mrs. 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 explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK
State: VA

Complaint narrative:
Freedom Debt Relief misled me about their ability to negotiate ( or lack therof ) with certain credit card companies. On top of that, I think I am owed money where they took settlement money in advance and were recently fined for it. I can provide documentation of the dedicated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2019 I received a collection notice from Account Resolution Services, stating that I owed a debt that I did not recognize and was informed I had 30 days to dispute the validity of the debt. On XX/XX/2019 I sent a debt validation letter, requesting information on the original creditor, including but not limited to -- name, address, amount owed, and a copy of the original contract. On XX/XX/2019, I received a response that I deemed insufficient. On XX/XX/2019, I sent another debt validation to Account Resolution Services, since I do not owe this debt. The responded XX/XX/2019, and again, the details they provided were inadequate. They have failed to provide sufficient documentation that this debt is mine, namely they have not been able to provide the original contract. I have contacted the three credit bureaus to dispute this debt and would like you also to be aware of their lack of cooperation regarding this matter.

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 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Today XXXX my son received a call from Comenity Bank ( My XXXX Credit Card ) asking if he was XXXX XXXX he replied yes due to the fact of having the same name as me they told him that I owe {$620.00} and I was aware of them I later on looked at my account and I have 2 phone numbers on the account XXXX and XXXX my sons phone number is XXXX how did they even get his phone number the a couple of days ago my daughter go back from Florida where my parents live my mother informed that she has revived a call from Comenity Bank too. Im not 100 % sure what number they used but she only has 2 numbers which are XXXX and XXXX. Im pretty sure that it is illegal to contact family or friends and tell them they amount of debt you owe and even if they are trying to find me that have my address and correct phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have an account with BB & T, which I tried closed a month ago, after this bank having fraudulently charging my account ( in addition to refusing to close this account in a timely matter ). I went to XXXX XXXX  Breach and asked to withdraw all funds and closed my account due to the aggressive overdraw fees they have been charging my account. While I was in the Branch the customer service representative explained that if leave my account in XXXX and they will automatically close it. Unknowingly, my check my deposited into BB & T, I was shocked because this account should have been closed weeks ago. After finding this unauthorized account, immediately called customer service to speak with a manager/supervisor ; the agent refused to transfer my call. After speaking with her for a while, she promised to change my maximum withdrawing allowance so I can withdraw all my funds so she could close my account. After trying several times to withdraw my money I was not able to. I called again the same day and a different agent answered and I told me there was a hold in my account. Similarly, this agent advised me to go to different ATMs and get a specific amount and to swiped my card until my balance was XXXX. Before my balance was XXXX, I saw an overdraw fee of {$72.00}. Two days later my card was accidentally charged for a utility bill and another overdraw fee was charge ( XXXX ) ; again, I was surprised since I requested my account to be closed three times. Since that day, BB & T has taking upon themselves to charge me fees, at least every two days. Now I have a negative balance of {$380.00} on my  account. 
As a consumer of BB & T, I have experienced worse service in the bank industry. This bank has taken away all the trust I have on any banks. They not doing anything illegal but it is not ethical. I feel that they are exploiting their clients ' trust and misused their funds. The main reason I am looking for help is, that this bank has lied to me in the past and will not give my money. Also, this bank has shown a history of abusing its access to its members ' accounts ; as they lost a lawsuit this year for these same reasons. 

Name : XXXX XXXX XXXX Email : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA, 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 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax continues to put the collection account in my report which has been removed on several occasions this company keeps reinfecting this account that I do not have a balance on. This company is assuming a balance and trying to get money from me Equifax is aware of this they took it out before and now it is back.This company has not account with me or sale or loan or anything I want it removed. 

In addition I ask for a reinvestigation on the XXXX  account the XXXX account and the XXXX  account this one should be removed I do not owe the balance I ask that they be removed. Equifax has never shown me any investigation on these company they should be removed. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: TX

Complaint narrative:
On XX/XX/2019 made a purchase through XXXX days later received an email that a portion of the order would be delayed. I then canceled the entire order and was refunded {$29.00} by XXXX but the card.com company placed a 30 day hold on the remaining balance of {$190.00} and change. On XX/XX/2019 I reached out to card.com and also contacted XXXX the rep from XXXX provided the card.com rep with all info even authorization code for release of funds {$190.00} to only have card.com rep tell me that it didnt matter because XXXX would come back and take funds even though I canceled order. I am in no position to have my money held up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a statement for the amount of {$99.00} that was done on XX/XX/2019. ( please see attached invoice ) .this is with XXXX   XXXX macy 's card which I rarely used.I contacted customer service immediately after I received the statement and spoke to XXXX on XX/XX/2019 @ XXXX XXXX  she offered t open a dispute for the charges and cancelled the credit card. I received letters from macy 's on XX/XX/XXXX, XXXX & XXXX about the investigation.but no resolution. ( please see attached letters ) .on XX/XX/XXXX I received a 2nd statement with the same amount of {$99.00} for the same item purchased in XXXX. i called Macy ; s customer service and I was on hold for over an hour without being able to talk to a live person. If Macy 's have made the investigation on the purchase I would like to know the name of the store, location and city. I know I did not use the credit card to purchase a XXXX XXXX. I have no need for it and if I did I had gone to XXXX XXXX and use their card. 
I take care of my credit and this is important to me but I do not wish to pay for something I did not purchase.

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 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank failed to deliver a bill payment check timely to the payee, XXXX XXXX. This resulted in a late payment on a personal loan. Their payment ( as it was sent from their checking account ) was returned undeliverable, and they have not provided sufficient explanation as to why that occurred. I believe they mailed the check to the incorrect address. They believe that I did something wrong. 

Please refer to the uploaded document, Binder2.PDF, which includes a letter, Chase Bank Complaint # 2 , along with its supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: CT

Complaint narrative:
TRANSUNION HAS PUT ONLINE COLLECTION IN MY ACCOUNT AGAIN THIS ACCOUNT WAS REMOVED I DO NOT HAVE A BALANCE WITH THTIS COMPANY OR AL OAN THEY HGAVE NOT SENT ME ANY INVOICE THAT IS LIGT THEY ARE LYING THEY SHOWED NO PROOF OF BURDEN AND WAS REMOVED MANY TIME BEFORE PLEASE STOP ALLOWING TRANSUNION TO PUT THIS IN MY CREDIT REPORT I AM ALSO DISPUTING THE BALANCE ON XXXX  AND XXXX PLEASE ASK THAT THEY REMOVE XXXX  ACCOUNT FROM MY REPORT THE BALANCE IS INACCURATE

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 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Capital Bank, a division of Alliance Data ( NYSE : ADS ) is willfully and intentionally violating the Consumer Protection Act. They have left a minimum of 3 voicemails to my daughter 's father ( me ), mother, and mother-in-law regarding a collection effort. They are NOT seeking information about how to contact my daughter, as allowed. They have been leaving her voicemail messages and by her outgoing greeting they know they are reaching her. 

They are contacting extended family all in separate households and states with the explicit intent of causing embarrassment, believing this gives them leverage in their efforts. This is a low-life company deliberately violating US policy. 

" Hi XXXX, my name is XXXX with Comenity Capital Bank. This message is intended for XXXX XXXX. I'm calling in regards to Children 's Place. We've made several attempts to reach XXXX regarding this matter, and I do need a return call today. My direct phone number is XXXX. And my extension is XXXX. XXXX if you could pass my information along that would be greatly appreciated again, my direct phone number is XXXX. My extension is XXXX '' This is out of bounds for what they are allowed and these out-of-bound messages are deliberate, intentional, and illegal. They are simply the worst collections policies and practices I've seen in my entire life. Shame on the soulless people that choose to work there and use these tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
This is in connection with # XXXX-XXXX. I'm sorry I didn't respond within the 60 days but the issue hadn't been satisfied and really still isn't. I've attached a copy of the correspondence mailed to Capital One today, requesting my account be closed. I never received copies of the last two statements. I don't intend for you to pursue this farther, I just wanted it on records that they didn't satisfy my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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