vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 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: KEYCORP
State: WA

Complaint narrative:
I reported a fraud problem with my bank, a national branch of XXXX XXXX ; on the XX/XX/XXXX. The card was 1st duplicated and then stolen - the csr who took my case said the entire account has been compromised. I filed my fraud problem on the XX/XX/XXXX both in person at the XXXX, Wa. Branch and with the XXXX fraud number for keybank. 
They offered me NO PROVISIONARY funding until XX/XX/XXXX, and have since not only refused to take calls from me but will not return urgent messages from me either. They amount they gave me for provisionary funding was about 1000 , my fraud case is over 10,000.00 ; so i require some kind of communication regarding my claim because as it stands the bank is refusing to cooperate with me on over {$9000.00} of funds that they owe me. They are aware i would likeit settled because i want to transfer to a different bank. You should know that this is about the 3rd or 4th time this bank has allowed this to happen and every time they have handled it in this manner. Besides the unprofessionalism, psycho-terrorism of the phone system and the refusal to follow FDIC laws and guidelines .... 
I revoke my consent for them to " handle '' my finances and want the account closed. They tell me i cant cloae it until ita settled, but they refuse to settle it. And for your own information ; same bank : XXXX, Wa. XXXX - branch manager abouy 3 years ago stole the hard copy, original washington state drivers license. She told me for 2 weeks they didnt have it so i replaced it. DOL never deactivated the " lost one '' per the department of social security so i went back into dol. Almost 1 year later, same branch manager gave me the id back saying it has been in her desk waiting for me the whole time ... .. 
Instead what actually happened was keybank as an entity - uaed my identification to access an account i have with them under my legal last name.. XXXX XXXX ; began embezzelling money from that account, sold my identity to XXXX and department of licensing and many other companies for embezzelment using said account. This account isnt available is all they say to me - ive been locked out of it since the moment i turned XXXX. I am now XXXX ... 
The same branch manager also CLOSED one of my accounts without authorization telling me i was signing to receive provisionary funding. The next time i tried to access the account she had actually tricked my signature and closed said account. 
I want this handled. 
They are given 10 days, its been 19 days, 3 chances and 3 different accounts all with not just issues, but illegal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX, XXXX for amount of {$760.00}. I have sent XXXX XXXX, XXXX a debt validation certified on or about XX/XX/XXXX. XXXX XXXX received my debt validation on or about XX/XX/XXXX. XXXX XXXX did not respond. XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXX I disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is trying to re-collect and still has not validated my debt validation which was sent to them and also XXXX XXXX XXXX reported to all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXXDear sir, In XX/XX/XXXX I, submitted an application to XXXX Wallmart for a credit card. The floor manager informed me that my application has been denied and will receive a letter explaining the reason why was it denied. OnXX/XX/XXXX, I received a letter dated XX/XX/XXXX, from Synchrony Bank that they were unable to approve my request at this time because the CREDIT BUREAU REPORTS APPLICANT IS DECEASED. I am still a life and very healthy. Also I have XXXX XXXX and XXXX XXXX  credit cards approved it to me. This is ashamed to a Big Bank like Synchrony in Florida and being such big companys like WALLMART in XXXX California Unfotunally reported that I was DECEASED, that hurt my ego.

I request an investigation and a credit correction.

Thank you 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 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DC

Complaint narrative:
OneMain Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/ PayPal Credit contacted me by letter alleging that I own a debt {$65.00}. I telephone called PayPal and was advised that I didn't have an account. I responded Pursuant to the Fair Debt Collection Practices Act, Demanding Information ; Verify the amount of debt, send a copy of written verification of debt with name creditor, Stop all collection efforts until I receive a copy of this written verification of debt. 

Received a letter dated XX/XX/XXXXalleging I owe {$24.00} for transaction dated XX/XX/XXXX XXXX, ( Account XXXX XXXX XXXX XXXX ) On XX/XX/, I received a bill from PayPal for {$100.00} which I do not own. 

Thanks for your attention regarding this matter. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, CBE Group, CREATED a debt in the name of XXXX XXXX for {$170.00} and placed in on my credit report. They are reporting that the " Open Date '' is XX/XX/XXXX. I HAVE NOT OPENED AN ACCOUNT WITH CBE GROUP AT ANY TIME. I HAVE NOT OPENED AN ACCOUNT WITH XXXX XXXX ON XX/XX/XXXX as falsely reported. THIS INFORMATION IS BEING FALSELY REPORTED. In XX/XX/XXXX, I filed a bankruptcy and included XXXX XXXX. There is no account number listed or anything. I do not have any accounts owed to either of these companies for {$170.00}. This reporting resulted in a decline of my credit score by 14 points. I want this account immediately removed from my credit report and CBE Group banned from reporting anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
An account closed by credit grantor is still showing on my equifax report even though it was closed on XX/XX/2011.This is a fair credit reporting act violation. It is older than seven years. I have tried calling, but I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: IL

Complaint narrative:
On XX/XX/XXXX a payment for my Citibank credit card was requested by the over the phone automated system, requesting that {$8700.00} be paid to my Citibank credit card using the bank account and routing number I had on file ( my checking account via XXXX XXXX XXXX  ). I did not make this request, there is no call in my call history on my phone showing that I called Citibank to allow this payment to go through. I did not receive an email confirmation of this payment going through or being accepted so I had no knowledge of it. On XX/XX/XXXX, the check cleared for XXXX, draining my bank account of almost all of my cash ( and some overdraw from savings ). When I called Citibank to inquire, they told me that the payment was valid. I asked for a call log to be pulled, and they were able to confirm that the phone number that called to make the payment was NOT my phone number on record. After many frustrating calls, they told me they would reverse the payment and refund my bank account within 3-5 business days. After the fifth day, I called Citibank to inquire about my refund, they told me that it was not being processed and that it could take up to 30 days. I asked why and they said they needed XXXX XXXX XXXX to confirm they were not planning on retracting the check. I asked when they would be able to call XXXX XXXX XXXX and they told me within 30 days. After a lot of pushing, I was able to get Citi on the phone with XXXX XXXX XXXX  to confirm the check wouldn't be retracted. They then told me now it would be another 3-5 business days to get my cash back into my account. It's theXX/XX/XXXX and I still do not have my {$8700.00} back into my account. I did not make the payment, clearly that is the case since Citi confirmed that it was not my phone number that made the call. I'm owed my money back and the fact that I'm out of that much cash, is unnerving. Citi has provided me no resolution or assurance that they have the right checks and balances in place for over the phone payments. Since no one from Citi is helping me, I've decided that I needed to contact you. Thank you for your time.

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 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
A company named Common Wealth finance has put the same charge entry as new 12 separate times at the same time with a date of XXXX XXXX, XXXX on all three of my credit report recently. When all of those medical charges are old and should have been charged off 5 years ago with them possibly dropping off within the next two years. Now if they stay on there they won't come off until XXXX which will keep me from buying a home or a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
i applied for a car loan on XX/XX//18 and the company told me there was a fraud alert on my credit report Equifax, The date of birth was incorrect. i have called numerous times, they asked me to fax my birth certificate, SS card and drivers license to a given fax number, i did this over the course of the past 4 days and they said they do not have my information, i have faxed over 20 times. they will not let me scan to any certain individual or talk to the mail room where they say the faxes come in at, they can not tell me if they ever received it or they said it may have been illegible and they shredded it but no one can tell me anything and no one will help me make sure someone is receiving my faxes. they said they are in the XXXX and the fax is in XXXX, GA but there is no one in XXXX i can talk to so i can confirm my fax is getting there. This is very frustrating all i want is someone to confirm getting my fax and that everything is legible to be put into the system. 

thanks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 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: CA

Complaint narrative:
TransUnion credit reporting bureau has not removed " XXXX XXXX '' account from my credit report after I provided evidence to TransUnion that " XXXX XXXX '' can not provide proof of contract between I and " XXXX XXXX  '' for the collections account in question.

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 2018-04-19 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: PA

Complaint narrative:
I have a mortgage showing on my Experian credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX XXXX. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my Experian report and any other report it may be reporting on.

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 2018-04-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to remove Chapter XXXX dismissed bankruptcy from 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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: MA

Complaint narrative:
XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXX I disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX XXXX XXXX, XXXX is now being reported again

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 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
I received a collection notice from BCA Financial Services , Inc. stating I owe {$85.00} to XXXX XXXX XXXX XXXX  ( act # XXXX  ). I never signed anything that reflected that I owe anything to XXXX. My husband is an employee of XXXX which recently acquired XXXX  and our insurance fully covers us. XXXX used doctors that were not part of our health plan without our consent therefore we do not think we are obligated to pay this debt. This is a shady practice by both XXXX as well as the debt collection agency they hired. Last I checked all the valid medical expenses have already been paid by my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
4 months ago I received my credit report and it had inaccurate data concerning my Bank of America credit card account. In XX/XX/XXXX, the report stated I was late three months in a row. They were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I had set up automatic payment through my checking account a year prior. At the time, I contacted a representative from Bank of America and was told it was an error on their part for halting my automatic payments. After the initial month of a late payment I had to resubmit my checking account. However in XX/XX/XXXX it happened again. As well as in XX/XX/XXXX. Finally, I started to pay manually to make sure the payment was taken. I was told by the customer service representative that no adverse action would be shown on my credit report About three months ago I mailed a certified letter to Bank of America expressing my concern about the negative and inaccurate reporting to the credit bureaus showing missed payments. I received a letter from Bank of America stating that they did report my missed payments accurately and had no information regarding the representative stating that the inaccuracies would not affect my credit report. I would like this resolved as soon as possible.

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 2018-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Processed my monthly rent payment as always with an electronic funds transfer. Was notified by my property manager that the payment failed, which was odd because there was plenty of funds in the account, and I had heard nothing from my bank, so I assumed there had been a mistake. I retried the payment, and found out days later that the bank again failed to process the payment despite they're being adequate funds in my account. As a result I have been charged the following in addition to my regular rent payment : Late Fee for XX/XX/XXXXDue on XX/XX/ {$56.00} NSF Fee -1st NSF fee for Rejected ACH XX/XX/XXXXRent Due onXX/XX/XXXX {$25.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} 2nd NSF fee for Rejected ACH XXXX Rent Due on XX/XX/ {$35.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} Chase has the ability to contact me via call, text, mail, or email and they do so regularly all the time with each method. I was not imformed by chase that they had changed their policy and were no longer allowing my account to pay bills via ach/electronic check as I have been doing for years, and gave me no notice that they had not funded my rent payment. 

This violates SECTION 1005.7 ( a ) 5

Company response to consumer: Closed with explanation