vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
XX/XX/XXXX The creditor agency sent this to my employer is very old debt and embarrassed me. I just started this Job in XX/XX/XXXX. They contacted my new employer and demand information they obviously already have. I have copied and pasted below and also send a photo of letter. They contacted both of us they same day. I also got a letter and they didnt give me time to respond the just to the Liberty to send my employer a document. 

CIVIL COURT OF THE CITY OF XXXX XXXXXXXX XXXX OF NEW YORK XXXX XXXX XXXXXXXX ASSIGNEE IN INTEREST TO A XXXX ACCOUNT Plaintiff US - XXXX File Number XXXX Index No. 
XXXX INFORMATION SUBPOENA AND QUESTIONNAIRE Defendant ( s ) DEES S.S. 
LAST KNOWN ADDRESS : TO : THE PEOPLE OF THE STATE OF NEW YORK Employers address was here WHEREAS, an action in the CIVIL COURT OF THE CITY OF XXXX XXXX XXXX OF NEW YORK, between XXXX XXXX XXXX XXXX IN INTEREST TO A XXXX ACCOUNT as Plaintiff and XXXX XXXX XXXX defendant ( s ) who parties in said action, Judgment was entered on XX/XX/XXXX in are alr favor of XXXX XXXX XXXX XXXX named IN INTEREST TO A XXXX ACCOUNT Judgment Creditor and against, in the amount of {$4900.00} of which {$4900.00} less credits, if any, remains due and unpaid ; and NOW, THEREFORE, WE COMMAND YOU, that you answer pursuant to CPLR Section 5224 ( a ) ( 3 ) * in writing under oath, separately, and fully each question in the questionnaire portion of this subpoena, each answer referring to the question to which it responds, and that you return the answers together with the original of the questions within 7 days after receipt of the subpoena. 
TAKE NOTICE : False swearing or failure to comply with this subpoena is punishable as contempt of court. 
I HEREBY CERTIFY, that this information subpoena complies with Rule 5224 of the Civil Practice Law and Rules and Section 601 of the General Business Law and that I have a reasonable belief that the party receiving this subpoena has in their posession information about the debtor that will assist the creditor in collecting the judgment. 
DO YOU HAVE ANY INFORMATION FOR THE FOLLOWING? IF YES, PROVIDE THE FOLLOWING INFORMATION BELOW : NAME : SSN : HOME TEL : HOME ADDRESS : EMPLOYER : TEL : WORK ADDRESS : PAYROLL ADDRESS : XXXX XXXX : EVERY : BANK : ACTIVE GARNISHMENT : DIRECT DEPOSIT [ Y/N ] : BAL : ACCOUNT : [ 1 TERMINATED : Reply To : XXXX, XXXX XXXX XXXX. 
1 I have no information on Defendan t Felt & Warshaw, LLP XXXX, NJ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was contacted 19 times from the time period of XXXX XXXX. The repeated voicemails were in regard to my sister and an account she may have. I stated that I do not have contact with her and have not for 7 years. I asked for my information to be removed as it is none of my concern. I have mailed two formal letters and asked repeatedly for the harassment to stop. My phone number is listed and used as a business line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: RI

Complaint narrative:
Bank of America : Senior Account Manager was cooking XXXX on their stove, engaged in XXXX XXXX of XXXX purchasing and or selling of this XXXX XXXX, XXXX was a compassionate problem but the overwhelming abuse in the relationship caused nearly fatal consequences Bank of America should respond to the issue specifically on if they have a published public statement on drug use, intervention and other conversational matters of utility concern ( XXXX XXXX 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 2021-12-19 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: TX

Complaint narrative:
I received a letter in the mail regarding debt that is not mine. The date of the letter is XX/XX/2021.

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 2021-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We are long term Wells Fargo customers. Savings, checking, home equity and XXXX, and direct deposits. We check our bank account activity every day. In early XX/XX/XXXX we noticed a few checking account transactions for less than {$1.00}. These were quickly followed by two withdrawals of {$1000.00} and {$1500.00}. We immediatly notified Wells Fargo of this theft and the account was frozen and a new account established. The stolen funds have been refunded. Within a week of the thefts there were five {$300.00} thefts via XXXX from the new checking account to the same person. We didn't request these transfers and do not know the person to whom the funds were transferred hence didn't get our usual notice from Wells Fargo of these five XXXX transactions. There was also an unsuccessful attempt to take funds from our home equity account. I immediaely filed a police report with XXXX and it is an active case, XXXX XXXX. Wells Fargo refuses to refund the {$1500.00}. 
We have met 4 times with representatives at the local bank branches, two hours each. ( names and dates available ) Their only action was to submit a complaint to their XXXX XXXX XXXX Office. We met 5 different people on the phone for hours from XXXX XXXX XXXX Office.They also told us that we should feel fortunate that we only lost {$1500.00} as they see so many customers who loose everything. After the 2nd letter of rejection and decision to not refund the {$1500.00}, I requested a meeting with an area vice president. The bank manager said that the meeting could only be set up by the XXXX XXXX Dept. When speaking to the XXXX XXXX Dept, ( names/dates available ) they told me that only the local branch manager could arrange that meeting. XX/XX/XXXX I emailed a note to XXXX XXXX XXXX, XXXX and XXXX of Wells Fargo. No response ( I did not expect anything from him, but certainly from someone who moniters his emails ) Seven days later, I emailed the same note to the XXXX of Wells Fargo. We received a call and spent over an hour on the phone and were told that she would be our advocate and look into the case. She said, at first glance she sees things that appear odd. One week later we received another letter declining any reimbursement. 
We would appreciate any help you can provide to resolve this issue the same way as the theft from our checking 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 2021-12-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
1 ) I contacted Equifax Credit Bereau and ask them to remove a bankruptcy that was on my credit report but was mine. Equifax came back as said that they verfied it with XXXX XXXX. ( Letter enclosed ) 2 ) I contacted XXXX XXXX and they sent me written proof that they didn't verfiy it and that it is not in their system ( Letter enclosed ) 3 ) I contacted the Bankruptcy Court and they verfied that they did not verify any such information and that it was not in their system as well ( Letter enclosed ) i submitted a copy of letter from Bankruptcy court I submitted the report stating that it was verified with XXXX XXXX I submitted the Affidavit of truth that i sent to Equifax I submitted the credit report with item still on there I submitted a copy of my Government issued ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: PA

Complaint narrative:
I recently viewed my credit score and seen I have a hard inquire for an emergency room bill from a debt collector amerifinancial solutions for {$1400.00} that was opened on XX/XX/2021 Ive never received any letters regarding this collection. If i want mistaken I thought ER bills couldnt go in your credit due to hippa rules. Im unemployed and dont have that kind of money to pay. I went to the ER in XX/XX/2021 they should at least contact the person before effecting their credit in todays economy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021, I checked two bags online ( {$30.00} each ) for a XXXX XXXX XXXX flight from XXXX to XXXX La XXXX on XX/XX/2021 and paid with CapitalOne Visa. I was charged again by CapitalOne Visa for {$60.00} on XX/XX/2021. 

I provided CapitalOne Visa with documents supporting my claim that I should only have been charged for two {$30.00} baggage fees from XXXX XXXX XXXX. 

Despite months of trying to resolve it, CapitalOne Visa refused to credit my account. 

Further, on XX/XX/2021, CapitalOne allowed 10 charges to XXXX for {$54.00} each plus {$37.00} to XXXX XXXX which were also fraudulent. 

I am the only authorized user on my card. I believe CapitalOne Visa employees used my account for their own personal use. They refused repeatedly to credit my account. I have since closed the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
Spoke to XXXX  from relia card she won't credit provisional the account for a dispute where it is infact in the card agreement that they have 10 business days to do so section 17. subsection D. I would like to have a provisional credit asap.

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 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
The dates are XXXX. When I attempt purchases the card declines. I also attempted to transfer funds and it was delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, thank you for your assistance. I am working in California, and I changed my address in Texas ( moved permanent address ), and every debit card transaction I make gives me an error message about my zip code. I contacted XXXX Thursday morning about debit card declines and it worked through Friday, XX/XX/2021 then on Sunday, XX/XX/2021, I spent over XXXX hours on hold after speaking to a customer service rep, the call was disconnected and I called back to speak with XXXX, who shared that my card had not been declined since the XXXX of XXXX and she truly wanted to argue, I had to request to speak to a supervisor three times, I got XXXX who talked over me constantly, was not willing to listen to me report the multiple decline messages for " zip code. '' However, on my end it was declined by Turo Car Rental, XXXX, and has rendered my XXXX account not useable. All because of a zip code error, and now I have been on hold again for over an hour, with argumentative, gas lighting Chase employees, and how does a large institution such as Chase not update a change of address? I was, just now, disconnected again. I have found it impossible to even get ahold of them. When I do I receive substandard service, in 2021 do they not comprehend that people travel for their work? I am also due {$250.00} because of my direct deposits that have funded my checking account that they promised when I opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX. They facilitated a loan from Fifth Third Bank for XXXX dollars. 

Since then I don't know my loan amount number, I've not been sent a contract or any paper work. I've seen nothing, I don't even know the balance on the account. 

It is mpossible to contact Fifth Third bank. I have called, emailed and written ; they do not respond. In the last week alone I've called everyday and spent at least thirty minutes on hold each day. Calling multiple numbers and branches and no one picks up. 

The only time contact is made is when they call to collect a past due balance plus late fees. Late fees the bank causes because it's been impossible to make on time payments due to their refusal to communicate. When they call they never leave voice mails, so I have to hope I don't miss the call. 

The attached pictures are the only information I have of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander insists on furnishing inaccurate information to the credit bureaus. The account is inaccurate due to no account type. The high balances are inconsistently reporting between the bureaus. How can the account have been verified as accurate with a blatant inaccuracy reporting month after month. I have disputed this account directly with the bureaus and have not made any progress and they simply refuse to investigate it any further which is illegal. Santander shows on my credit report they last reported the account on XX/XX/XXXX at one bureau and XX/XX/XXXX on the others. That is inaccurate. They are in violation of XXXX XXXX because they claim the account was sold to another lender yet they have failed to report to which lender. I have a right to know who is trying to collect money from me. The dates last active is inaccurate because they are inconsistently reporting between the credit bureaus. I have requested a record of the payment history to prove the last payment was made on XX/XX/XXXX and XX/XX/XXXX because they have 2 dates listed for the date of last payment. They have not responded nor provided a record of the payment history to prove a payment was even made. That is falsifying information to prolong the length of time the account is to stay on my report to purposely further damage my credit rating. Since they claim the account was sold to another lender why are they continuously reporting on the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Can someone tell this fraudulent bank that they can not acknowledge then un acknowledge the fraud on my account all of these letters came but no card now wen I finally get my card Im being denied the claims that were approved im confused then they appr Ve XXXX took it from me then they try to say something about a chip for one claim then the next try to say it had been pass so many days must I remind they froze my account until 2021 then started sending me out approval letters letters I ordered my card no card came still they gave me the run around until an angel told me they would make Sure it was done and fixed now this we have been going back and forth for a while now about my account but they are making up anything not to pay out my account and has been making errors as well as stealing funds from me and denying me what Im owed for their lack of protection and buisness profession

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 2021-12-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian reports settled account the same as a late payment! This should be illegal and a violation of the FCRA. Upon reviewing my report through XXXX. I noticed my XXXX score from Experian was XXXX points less than the other bureaus. When I looked at the details, it shows the difference was that experian is reporting I had a recent late payment on my XXXX account thats less than 2 months old - I called Experian customer service and they confirmed the same information - that information is incorrect. I settled the lease end balance on my XXXX back in XX/XX/2021, that does not mean I was LATE! 

A recent late payment will have a huge negative impact to someones credit. Why is it ok for Experian to report a settled status the same as a late payment? This should be looked into and addressed immediately.

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 2021-12-19 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: IN

Complaint narrative:
On XX/XX/2021 A company named XXXX access my Consumer 's report without my authorization. TransUnion allowed this access with a credit freeze in place.

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 2021-12-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Even though I have previously written about Equifax continuously reporting XXXX XXXX XXXX on my credit report after I received another notice that the account was removed from my credit report, it is still reporting. I pulled a new report on XX/XX/2021 and the account is still reporting after it was supposed to be removed. Equifax is not budging. I have proof again the account was supposed to be removed and it is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: Lending Club Corp
State: AZ

Complaint narrative:
I contacted XXXX in XXXX XXXX about the lending club reporting my account wrong. I told them I was late in XXXX not XXXX which they opened the dispute. In turn for retailation the lending club posted my account late in XXXX again and now XXXX I spoke to the chat person they agreed I had not been past 30 days in those two months. XX/XX/XXXX they send me where I can dispute above some line in an email. I do this and they then repost the lates so my score keeps tanking I am in line for XXXX and this has cost me a 2 month delay due to incorrect posting and the damages are insurmountable. Now they send me another email to go to XXXX which XXXX they know will not open a reinvestigation that has been done. I spoke to XXXX. So I have exhausted all avenues fighting with this company for lates that were not valid and are not valid. They do not listen I have called and chatted been hung up on.. Your my last resort before counsel ask for damages as XXXX shuts down at the end of this month I am XXXX points away and the points I keep dropping from this error is in excess of XXXX its called reaging.

Company response to consumer: Closed with explanation