vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I was notified of fraudulent charges on my account. After closing and opening a new card it became evident that Wells Fargo authorized someone unknown to me to add themselves to my card. I have spent many hours in local branches verifying my identity as well as many hours on the phone. I was given my final account balance at which time I paid it with a cashiers check and was told my account was closed. All online access and statements were terminated. A new balance of {$1500.00} has materialized and I am being asked to pay it. It appears as if my cashiers check was applied to the fraudulent charges, and legitimate charges I was told I paid off were transferred to the fraudulent credit card, which they are now trying to get payment for a second time. My claim was denied due to the fact that payment came from a legitimate bank account ( I can't control where they apply a cashiers check ). I have been given two names of WF employees in the executive offices who will not return my voicemail messages. I have been asking for an accounting of payments and charges between all accounts real and fraudulent and have been denied this information. Nor can WF branch employees gain access to these amounts. In short, I've paid my balance, they applied my payments to fraudulent charges and refuse to close my account as promised. A police report was filed at the time the unauthorized person was added to my account against the advice of WF employees.

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 2019-08-29 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: IL

Complaint narrative:
Experian is reporting a fraudulent collection account on my credit report that does not belong to me. The following account is result of fraud : XXXX XXXX XXXX XXXX {$660.00} I reached out to XXXX collection agency who has completed their investigation and determined this account is fraudulent. They stated it can take up to 45 days to remove the account from my credit report.This is too long to have a fraudulent account reporting that is affecting my score drastically. Pursuant to section 605B of the FCRA, this fraudulent account should be removed within 4 days of receipt of notice.

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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
This debt was settled paid as agreed. They said they would not report this as a collection. This was first reported XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Me ( XXXX XXXX ) and my wife ( XXXX   XXXX ) are joint holders of a personal checking account at BoA ( XXXX ) and also a business checking account in XXXX XXXX and XXXX. 

Here is the chronology of events - Date XX/XX/XXXX - Check No.  XXXX for the amt of {$3000.00} made out to 'XXXX XXXX ' who is the joint owner of the account XXXX, a BOA personal checking account, was deposited into our XXXX business account using chase mobile app. 

The txn got processed without any issues and XXXX credited out account for {$3000.00}. The physical check was safely put in the safe box. 

Date ( s ) XX/XX/XXXX - XX/XX/XXXX - We closed on a new house and moved to the new house. Engaged several vendors including Movers, Cleaners, Plumbers etc to fix both the new and old houses. 

Date XX/XX/XXXX - The physical check XXXX was stolen and got fraudulently cashed out by some one by depositing it at XXXX XXXX. 

Date XX/XX/XXXX - I made a compliant to BoA. We saw the amt credited back on XX/XX/XXXX Date XX/XX/XXXX - XXXX debited our account for {$3000.00} saying it was recovered by BoA Date ( s ) XX/XX/XXXX - XX/XX/XXXX - Reported the same to BoA and called both BoA and XXXX to resolve the issue. Made multiple calls, filed and affidavit with BoA and explained the circumstances. BoA closed the case saying we didn't safeguard the physical check and we are liable for the loss. We do not agree with BoAs reasoning for closing our claim as we did took adequate precautions in safeguarding the check and it was beyond our control. 

We further feel that - BoA didn't put in place adequate safe guards in protecting our personal checking account and they let the same check to be cashed out by some one fraudulently in spite of the check having payee as my wife 'XXXX   XXXX ' with invalid endorsement. 
- They didnt do adequate job of investigating the claim in determining failure in their systems in catching double presentment/fraudulent activity. 
- Instead of reversing the fraudulent transaction from XX/XX/XXXX, they did a reversal of the genuine transaction from XX/XX/XXXX. In spite of repeated followups, BoA didnt act to track and trace the fraudulent activity from XX/XX/XXXX nor initiate recovery of funds from XXXX. 

This has caused irreparable harm and not just a individual financial loss of {$3000.00}. We have a had some of the checks got bounced in XXXX as they suddenly pulled out the money resulting in loss of trust in our business by vendors. Also, BoA put us under extreme stress by not responding/answering the questions regarding the law ( Check Act 21 ) or their terms and agreements protecting the consumers and instead they arbitrarily closed case without proper investigation and resolution.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
The State of Maryland is charging me apx {$6.00} k to release my graduate transcripts. I believe they and individual employees at XXXX are ripping me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-08-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan - Ifiniti LT # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Court proceedings were filed against me on XX/XX/XXXX by Midland Funding LLC for a debt that was originally charged off by XXXX XXXX XXXX XXXX and sold to Midland afterwards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Repeated annoying phone calls all day, Every day, all day long from portfolio recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The State of Maryland is charging me apx {$6.00} k to release my graduate  transcripts. I believe they and individual employees at XXXX are ripping me off.

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 2019-08-29 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
OMG! IT's getting so much worse with this bank! 

I previously filed a discrimination complaint with this bank! They still have my name wroing under XXXX XXXX ... .and then I found out that they put a 2 week hold on a {$500.00} XXXX check that I closed because of discrimination, thus that check was bring used to fund this account. 

Now I find out the very next day, they now now access some assinigne {$15.00} Hold FEE???????? for that exact same {$500.00} What the XXXX is this??? 

I want to close out this account now to B of A 's XXXX business pursuits, trying to gouge customers for no fault when they are merely depositing checks? 

What the gull of these people ... ..CFPC, you need to look at this bank gouging customers for fees. As a former XXXX XXXX for the XXXX XXXX XXXX, and now going to XXXX XXXX ... ..I am going to file a tort claim here in California as well against this bank. 

I also want to close this checking account due to the XXXX service and fees being associated with this bank ... ... I have check fees that I also paid to get checks in my name ... .I will be filing for return of those monies as well since B of A has engaged in deceptive business practices trying to extort fees from it's customers. 

This is now a series of 3 complaints against this bank ... .one wonders what other fees they will try to extort from me, when I had the initial discrimination compliant and they are now engaged in retaliatory strikes against me ... .cause of action here under the California Department of Fair Housing and Employment for  discrimination against protected citizens, that being LGBT protected class of individuals.

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 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Hello, I applied for an HSBC credit card and received an email on XX/XX/2019 to call XXXX to verify my identity. When I called, they asked me for my cell phone for a text message verification code, I gave them the code, and was told I'd be receiving an email with a link to upload proof of my identity and a utility bill for residency. However, I did not get an email with the link. I then called them back and was told they were declining my application. Just 5 minutes prior, I was told they needed two documents. I was also told, the second time, that I would need to reapply. When I asked if they would pull my credit report again, the representative said no, but I don't know why they wouldn't run it a second time since it would be a new application. I was told that after they received proof of my identity that I would receive the credit card I applied for. However, on the second phone call, they told me they were declining my application and refused to let me send over proof of my identity and residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX - XXXX XXXX  # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX - XXXX XXXX # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.

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 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX - XXXX XXXX # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.

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 2019-08-29 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Lincoln Automotive Finance # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I look at my statement at the credit union numerous times a day & on Thursday+ XX/XX/2019,  {$16.00} was fraudulently withdrawn/stolen! 
I was deemed a victim of identity theft soon after the death of my Mother! 
When I.called the phone # on the account, I learned it was Lexington Aw?, I never had an account but the lady wantd my account number after saying she only needed phone # which I provided but I Am attempting to recover from ID theft NOT MAKE IT EASIER for Lexington Law to steal it!!? 
I get my credit report free & recently got XXXX & XXXX so why would I pay? 
I dont pay for my credit score and I do Not deal with Lexington Law ( to my knowledge ). 
Now, the Credit Union is doing an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
The City of XXXX is billing me {$84.00} on a debt that has already been paid in full since XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I have a money lion investment account with {$210.00} available to withdraw but when I try to transfer it asks for phone number verification code from a text message, which I have a new phone number since I signed up. It will not let me update online. I have tried to call about 10 different times to withdraw my money. I wait on hold over an hour and then a recording comes on about taking a survey and then hangs up. Reviews online show this happens to other people. You are not able to reach an actual person. I WANT MY MONEY THAT I HAVE PAID INTO AND I HAVE NO WAY TO ACCESS IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle from XXXX of XXXX. I agreed to pay {$390.00} per month for 72 months on a loan of {$16000.00} with an interest rate of 18 %. My car was stolen XX/XX/XXXX and I continued making payments every month. In XX/XX/XXXX, I was given a pay off amount of {$11000.00}. My insurance mailed a check to them on XX/XX/XXXX in the amount of {$12000.00}. Santander removed the payments I made to them from XX/XX/XXXX up until XX/XX/XXXX for some reason. There website showed I was behind {$1900.00} and there website was showing accrued interest. I called them on XX/XX/XXXX and they stated that I was behind over 90 days on my car, which was false. Then after I argued with the lady she apologized for being incorrect and couldn't provide me a reason as to why my payments were removed. XX/XX/XXXX I checked their website and now it showed that I had a balance of {$600.00} and there reasoning was because the funds are currently being ''reallocated '' and that I should see my account reflect the insurance payment. Which STILL makes no sense. They are showing a transaction for {$10000.00} and another one for {$1900.00} on XX/XX/XXXX which is the insurance payment. These people received my check weeks ago and did not put it in the system until I called. I also noticed that my month payments that I made for the same amount each month have different and really high interest rates. Under my transaction history on their website, the payments that I made are not matching the payments my bank ( XXXX XXXX XXXX ) is showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.

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