vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
So, Last XXXX I purchased labtop and lots of other XXXX gifts with XXXX. I got charged for movie channels and called them using the contact us at the bottom of the First page. So called me when I gave them my phone Number. On my Bank statement it showed the total cost for the XXXX $ So it was charged and Money was In my checking Account for it. But, when i talked to the lady from XXXX that I got charged almost XXXX $ worth of Video Channels and Other extra charges that I canceled so many times. She said she looked it up and-saw that havent used anything I was being charged for, so i got off the phone with her after 2hrs she told me that my refund will go directly back into my account in 3-5 business days this was XX/XX/2019 so i got the emails and went to the bank and it showed 2 electronic Digital Refund for One that was around XXXX $ and the other refund was for XXXX $ Then at the end of my the month they decided without contacting me they charged me again taking it out of my checking account. And i called ti asked what happened they just told me that they shouldve refunded me for the Laptop and other electric i told them that it wasnt on the statement as the computer. So i said thats fine but she should have known what to refund the day after i go to the back and because they took that money out if my account it cause me to overdraft. Cause when they did it it didnt have enough money in the account : then i called and complained. They told me what happened then i put money into the account and then when i got the statement for the next two weeks they took the items off refunded again yep i dont know why. Then called them again they said there wasnt money in the account so thats why they so the charge went through when i did I said ok now everything should be find right? They said yes the items are now paid for. Well then I started receiving letter telling me that i have not paid fir theItems so they just kept coming same charges but saying it wasnt paid fir.. now how is that possible i told them the man on the phone said sorry it got submitted to the credit company and he said he had the records that indicated that everything was now paid for but they kept coming every month that i got so tired of it and stopped using XXXX all together now the passed two months Ive been getting a charge fir XXXX $ from Lexington Law credit company . So now Im m trying to get them to stop charging me for a mistake of the employee that refunded the wrong items in the first place .. I was finally happy with my credit score but now this just keeps me From doing anything. Them workers at XXXX really messed my credit up and its been so stressful so please if you have any advice let me know thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Two debit cards with checking account came in the mail to me the first was XXXX and the other XXXX. I dont remember opening either of these accounts and not sure how they obtained my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was sent a card by mistake in the mail from Citibank and it had a debit card in for a checking account that I never opened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Well Fargo I had 2 checking & a savings account which they placed holds on my account which lead to my account going into the negative and closing them and messing my credit up, I then loss my place I was evicted and getting 2 judgments. I loss everything and Wells Fargo sent me a check for {$150.00} to try and make it better. The upheaval my life that was caused by it, and your suddenly getting a check for {$150.00} with them admitting fault, but when I said I wasn't satisfied with that due to extreme life disruptions, they then admitted NO fault and blamed me. I was put in XX/XX/XXXX due to this also. I just now 4-5 years later got a new checking account. I am just now getting back on my feet but this truly messed my life up. {$150.00} did nothing at all to make this better. 

Wells Fargo case number : XXXX Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-11-16 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: FL

Complaint narrative:
I have an account on my credit report that has a balance of {$89.00} from XXXX  XXXX XXXX, XXXX XXXX. This account was closed on XX/XX/2020, because we moved from Puerto Rico. There are no late payments nor charge-off/collection to this account when there is no money owed to this company. I have tried to resolve this with the company multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America processed a fraudulent charge using my credit card for {$18000.00} on XX/XX/XXXX. Bank of America ( BOA ) sent a text alert denying fraudulent purchase but ended up processing the transaction without notice. Filed a fraud claim with BOA on XX/XX/XXXX. Received a letter from BOA dated XX/XX/XXXX notifying me of a credit for the fraudulent purchase. Received a letter from BOA on XX/XX/XXXX denying my claim and the credit was reversed. Filed a Police Report with XXXX XXXX on XX/XX/XXXX. Sent letter to XXXX XXXX on XX/XX/XXXX with no response. Filed ID Theft Report with FTC on XX/XX/XXXX. Sent letter to BOA on XX/XX/XXXX with copies of Police Report, ID Theft Report with copy of Notice of Furnishers of Information from FCRA. BOA reopened fraud claim. Received XXXX Proof of Delivery ( POD ) from XXXX XXXX on XX/XX/XXXX showing Bogus Shipping Address. Received claim denial letter from BOA on XX/XX/XXXX. Received BOA letter dated XX/XX/XXXX on XX/XX/XXXX asking for affidavit denying purchase. Sent signed BOA affidavit on XX/XX/XXXX. BOA Fraudulent claim reopened. BOA reopened case and continues to deny the claim. Retrieved XXXX POD from website on XX/XX/XXXX showing discrepancies in comparison with POD from XXXX XXXX. Sent letter to BOA on XXXX showing shipping discrepancies. Spoke to XXXX Customer Service on several occasions. In particular spoke to XXXX XXXX on XX/XX/XXXX. Received call from shipper name of XXXX XXXX on XX/XX/XXXX at XXXX to redirect package. Shipper setup BOGUS return address. XXXX driver called XXXX agent for undeliverable package. Agent redirected package to XXXX MD. Email received from XXXX XXXX XXXX Account Manager, XXXX XXXX on XX/XX/XXXX to redirect package. XXXX XXXX filed a lost package claim with XXXX claim # : XXXX. XXXX XXXX with XXXX assigned to the claim. XXXX processed the Lost Package Claim acknowledging their error. The {$18000.00} charge remains on my Credit Card and continues to accrue interest. I have three different XXXX POD 's with several discrepancies. Sent letter to BOA on XX/XX/XXXX with documentation of discrepancies. BOA continues to deny the fraudulent purchase 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 2020-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have been receiving emails from PenFed Credit Union for several months asking for information to allow PenFed to send statements and documents electronically regarding my account with PenFed. I don't have an account with PenFed. I have just received a hard copy " Regular Share Account '' " Consolidated Statement '' from PenFed for the period of XX/XX/XXXX - XXXX XXXX showing an opening deposit of {$5.00} and an ending balance of {$5.00}. I never opened an account with PenFed ; neither did I make that deposit.. I suspect it has something to do with a personal loan we obtained through XXXX ( formerly XXXX XXXX XXXX ), a California-based finance technology company, from which we obtained financing for the installation of a solar system on our home. PenFed may be the servicer of that loan. That would have been a transaction between XXXX and PenFed, a transaction to which I was not a party, and, to my knowledge, not a transaction requiring the creation of a deposit account in my name. I'm not one to look a gift horse in the mouth, unless, of course, the gift has something to do with my personal financial information or affairs, in which case, I am hypervigilant. Please investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AL

Complaint narrative:
Last Thursday I received a letter that all of my US Bank Credit Cards are closed. Letters stated your account has been closed effective immediately. Our decision was based on the following principal reason ( s ) reasons listed are credit history related. I have more than {$2000.00} worth of flex points, what US Bank actually did is instead of allowing me to use my points they closed an account with no option to use them. 

Cardmember Agreements, section 32, titled Cancellation of Your Account, We may cancel your Account or suspend your ability to obtain Account credit immediately, without notice, if your Account is in Default. Even if you are not in Default, we may cancel your Account by providing notice to you. My account was not in default when it was closed, so there is a breach of agreement. 

In addition to that latest response I received stated that " A careful review of your account does not reveal any instance in which U.S. Bank deviated from generally accepted banking practices. '' General banking practices allow 30 days to redeem points when account is closed ( XXXX, XXXX and other Banks ). 

I suspect that US bank found out that there is over {$2000.00} worth of flex perks that I have on the account and instead of going through procedure and giving a notice as per credit card agreement decided immediately close an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have submitted 2 complaints with CFPB # XXXX and # XXXX for Bank of America Home Loan account no # XXXX. Now the bank is retaliating and has suspending my account, claiming that my payment is past due. BofA hasn't corrected the issue and is showing balance on my account incorrect ( it's been many months and I see random activities on my account daily from BofA ). Additionally, I am on auto pay from my BofA checking account so there is no way I could be late on my payment. I am totally disappointed on BofA and feel mistreated and harassed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
1. On XX/XX/2020, SYNCHRONY FINANCIAL add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per 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 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: PA

Complaint narrative:
Received a bank reliacard without asking for it, wanting it or having an account associated with it. Tried to fix with number provided but first request was for a phone number-did not provide one as concerned this is a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Exeter Finance, LLC.
State: UT

Complaint narrative:
1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: FL

Complaint narrative:
Transunion has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. Trans Union has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: U.S. BANCORP
State: UT

Complaint narrative:
1. On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XXXX. XXXX, 2020, XXXX XXXX AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
3. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per 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 2020-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: FL

Complaint narrative:
This company refuses to validate his debt, the collector agency that they sold his account to XXXX XXXX Could not validate the debt, therefore, gave it back to Carmax. I disputed the debt and they can not validate, Carmax needs to update the records and update all of the three credit bureaus that this account is not mine, and this is harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: FL

Complaint narrative:
XXXX  has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. XXXX XXXX has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: FL

Complaint narrative:
XXXX  has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. XXXX XXXX has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I received a payoff quote from XXXX for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX because the payment from XXXX  looked like it had still not been processed by XXXX & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from XXXX and on XX/XX/XXXX I called XXXX again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by XXXX. I called XXXX on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from XXXX  by XX/XX/XXXX and they received payment from XXXX  on XX/XX/XXXX. XXXX opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. This is absolutely egregious. XXXX is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. XXXX 's phone number is XXXX. I have attached our XXXX  cell phone records that reflect the calls I made to XXXX on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at XXXX properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had made an overpayment of {$2200.00} on my credit card account that ends in XXXX. I requested the overpayment to be sent to me which the rep assured me she processed. A week later when I still didnt get my refund check I called them again. After being routed to several persons they told me that they refunded the payment to my bank. They told me to wait several more days. Now 2 weeks later I still dont have my refund and upon calling them, they told me that they cant provide me any tracking information and for me to check with my bank since they sent it back. My bank doesnt have it and now Im short {$2200.00} which I desperately need it to pay back another bill.

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