vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2019 I became aware that I no longer had access to my USAA Savings account, which contains nearly all of my life savings outside of my XXXX, XXXX, and the nominal amount in my checking account. This was highly concerning and put me in a good deal of duress. 

When I called the customer service line, at first they could not locate my account at all. After a period of time, I was informed that my savings account was a custodian account, technically a UTMA account created when I was a child, and due to a recent manual update, I no longer had the ability to view the account or make any actions related to this account. They informed me that this change occurs at the age of XXXX ; I am now XXXX XXXX XXXX and have had access to the account until XX/XX/2019. I received no notice in advance of this change, nor did my father, who they say is the custodian of the account and today still has control of the account. My understanding, after some research, is that I should have had full access to this account when I turned XXXX. 

I was made aware of an internal memo related to this issue. I asked for a copy of this memo or any other written document related to this change in policy, and I was informed that they can not provide anything in writing. I asked for a copy of the recording of the conversation and they were unable to provide it. I received a call from USAA tonight, XX/XX/2019, informing me of the same. 

This episode is very concerning to me. I contacted my father and he has transferred the funds to me in full, but I am not certain he had any obligation to do so, and I am worried that there are other XXXX-year-olds out there who have had their life 's savings taken from them without recourse. I do not understand how USAA could have concluded that an account I should have had sole control over when I turned XXXX was given to my father.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-21 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/XXXX {$27000.00} XXXX XXXX  XX/XX/XXXX {$330.00} XXXX   XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX   XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXXXX/XX/XXXX {$360.00} XXXX XXXX  Fraud Charges made on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: MI

Complaint narrative:
The following verbiage has been sent on multiple occasions. Every time they come back that they have the right to keep the account on my report even though they have NO SIGNATURE, NO VIDEO SURVEILANCE, NO PHONE CALL proving it was me who applied for or maintained an account with them. Furthermore, they have corresponded " WE DONT HAVE AN ORIGINAL CONTRACT OR PROOF OF YOUR SIGNATURE ON FILE ''. Note, under FCRA, statement are not proof this account is mine. Therefore, I want to know, how are they VERIFYING and VALIDATING, this account is mine? They can not, they have not, and I want it immediately removed from my bureau reports and all collections deleted as well as well as any hard inquiries. KNOW WHO YOURE GIVING CREDIT TO. You DO NOT have proof of signature to prove this is my account. 

Under the FCRA, " if you can not prove 100 % that this is my account you must remove it! '' In addition, you owe me {$1000.00} per offense. 

FCRA, section 623

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I came to notice a check fraud on my business account XX/XX/2019. A check number XXXX was cashed out of my account in the amount of XXXX dollars. I recently changed the name to my business legally and made changes with the bank as well. New debit card and checks were ordered. Debit card was received in the specified time of arrival, checks did not. I am a XXXX driver, so I was out of state when the checks came in the mail. Checks were stolen from the mail box and cashed. I called the bank to notify of the transaction and filed a claim. The check does not have my handwriting nor my signature. I was given 3 to 5 working business days for the investigation to complete and refund of the money. I called in Wednesday and was told to wait until Friday. I called Friday and was told that bank was prolonging the investigation to 30 days. Bank has failed to provide information and return money by their given timeline. Bank is at negligence for not checking for the correct signature and preventing my account from fraud transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America repeatedly allowed my account to be accessed by people who were not signatories to the account. Bank of America, as is thoroughly documented in court filings, improperly charged fees to my account. As a result of Bank of Americas repeated acts of fraud and negligence, my account became overdrawn. 

https : XXXX Unfortunately, Bank of America refuses to acknowledge its negligence and fraud and instead has decided to put a fraud notation on my XXXX credit report. 

Bank of America insists on blaming me for its own negligence despite admitting in court that issues like mine were demonstrably a result of its own negligence. Bank of America has continued to make fraudulent statements in writing when confronted with an obvious case where it is at fault. Bank of America is recalcitrant and has deemed itself to be the jury, judge and executioner in cases where it negligently allows fraud on its checking accounts and then racks up fees in a very clear cut case of criminal self dealing.

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 2019-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Consumer Financial Protection Bureau To Whom it may concern : Im contacting you to complain about a fraud that was done when someone paid for purchases at XXXX and paid for them with my savings account at Bank of America using a debit card. 
I talked to Bank Of America thru the call center and the supervisor and showed the data that I have to show that purchases totaling {$14000.00} were not done or authorized by me. I have printed the chat with XXXX, my traveling passport that shows that I was not in the US when these purchases were made and I sending you copies. Then Banks only response is that I have been in the XXXX website numerous times and did not notify these unauthorized purchases so they assume it was me. They should be investigating who actually made these purchases and where did they go. 
Ive talked to XXXX, I have copies of the chat which Im resending to you, and to the Bank, where they say that the account was created with my personal information and with the data I supplied obviously they dont believe me and that is the reason they can not give me the IP and physical address were the purchased items were delivered. If the Bank thinks there is fraud, then the Bank can request the information and XXXX will supply it. 
The Banks keeps telling me that because I did not notify them within a certain time the Bank will not return the monies to my account. I know the Bank is responsible to protect my money and all they say is Im sorry. Seems to me that they are protecting someone, in this case, someone within the bank, someone that obviously has mi information and knows that I was not checking my balances, I just pay the balances on my credit card, and my savings account do not check it. My credit card is linked or used to pay XXXX but not the debit card, my debit is not, and this is the card that was used to pay for the purchases. 
Ill leave in your hands all this information, but I want the Bank to get me the IP of  pc or phone where the purchases were made and the address to where they were delivered.

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 2019-09-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED 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 2019-09-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have two accounts with XXXX. XXXX reports onto TranUnion, the other does not. I am trying to understand why the one account does not. The card has been open for 20 years, and has a {$43000.00} credit line. Both of these factors could potentially play a major role in my FICO score. Who knows what effects this has had over the years on business decisions I have made. Oddly enough, the tradeline reports on my wife 's TransUnion credit bureau, and she is simply an authorized user. 

I have contacted XXXX on three occasions. XXXX of last year was the first. They advised me the would " push the tradeline through ''. After 90 days of it not reflecting, I called them again. They said they could push the tradeline through again, but it wouldn't do any good because it was already pushed through. To this day, it still has not been pushed through. 

A few weeks ago, I decided to dispute the tradeline with TransUnion. They have since completed the investigation and no changes were made. I have done nothing but make payments on time and fulfill my obligation as an upstanding customer. If I stopped making payments, the tradeline would be reported as derogatory on my report. This is completely unfair that as the primary cardholder, this card is not reporting onto my file. 

This is a last effort to avoid legal action to fairly, and accurately, report this account onto my credit bureau report. 

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 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On or about XX/XX/XXXX we began a car note on an XXXX XXXX that we bought on XXXX financed by XXXX XXXX XXXX XXXX. ( it's been paid in full for many years. ) In XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX tried to force us to pay additional insurance that they chose to purchase " for us ''. We told them that we would pay the car payment in full but not the XXXX. They said if we didn't pay the forced XXXX that we didn't want, that they would report the payments as late regardless. 

Over the next several years we literally called them ( and the credit agencies ) 100 's of times trying to get them to remove their incorrect late reporting. They refused and never took us seriously, hanging up, laughing and stating they would never remove the lates under no conditions. 

Fast forward to present day, a few months ago, XXXX XXXX was order under a settlement agreement ( case no XXXX ) to remedy these credit issues. ( see XXXX  ) we were part of this class. 

So for the last several weeks I have been calling ( again several 100 times ) to get them to follow the settlement agreement and stop reporting the false lates they put on our record. Instead of taking that seriously they have called me every name in the book, hung up on me, threaten me with injunctions, and refused to comply with the settlement agreement. When I called several 100 times they, can not get whom is handling my case, put me on hold for hours, and hangup while telling me lies about call backs that never come. Weeks past and on XX/XX/XXXX they committed an additional act of fraud. 

I woke up to an alert from XXXX XXXX  that " XXXX '' ( weirdly spelled by the way ) had done a hard inquire on my Equifax credit. We DID NOT authorize this in any way to say the less, it was a shocking. 

When we called to let them know and demand that they immediately correct the fraud, one of their employees laugh and said " you shouldn't have XXXX with us '' we are not removing the inquiry. 

I have since reach out to the highest levels ( see screen shots of me alerting XXXX XXXX the CFO of XXXX XXXX ) of their banking institution and even he was more concerned about the " words '' I use and regulating my speech then confronting the retaliating fraud their employees committed. 

They have since threaten me with an injunctions. ( by the way I got one of their employees to admit that they could actually not even find " evidence '' of the inquire which underlined the fact that it was definitely retaliation and fraud. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
On XX/XX/2019 I was notified by XXXX XXXX that a collection agency named Diversified Consultants had place an account for collections on all three of my credit reports. I checked all three and verified this. The original creditor is XXXX XXXX I contacted them also on XX/XX/2019. They claim I do not have an outstanding balance. I was never notified of this debt until it was placed in collections. I have been at my residence for 6 plus years and have never received a notice in the mail concerning this debt. I have had my identity stolen in the past and Im concerned this is a result of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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:
THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.

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 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have two accounts with Citibank. One reports onto XXXX, the other does not. I am trying to understand why the one account does not. The card has been open for 20 years, and has a {$43000.00} credit line. Both of these factors could potentially play a major role in my FICO score. Who knows what effects this has had over the years on business decisions I have made. Oddly enough, the tradeline reports on my wife 's XXXX credit bureau, and she is simply an authorized user. 

I have contacted Citibank on three occasions. XXXX of last year was the first. They advised me the would " push the tradeline through ''. After 90 days of it not reflecting, I called them again. They said they could push the tradeline through again, but it wouldn't do any good because it was already pushed through. To this day, it still has not been pushed through. 

A few weeks ago, I decided to dispute the tradeline with XXXX. They have since completed the investigation and no changes were made. I have done nothing but make payments on time and fulfill my obligation as an upstanding customer. If I stopped making payments, the tradeline would be reported as derogatory on my report. This is completely unfair that as the primary cardholder, this card is not reporting onto my file. 

This is a last effort to avoid legal action to fairly, and accurately, report this account onto my credit bureau report. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hunt & Henriques
State: CA

Complaint narrative:
I filed a complaint with CFPB and FTC regarding Hunt & Henriques collection practices. They had sent me a letter alleging that I owe a debt for {$5500.00}. I sent them a letter requesting validation of the debt. They sent me back a letter stating I have no right to ask for validation. Well, that complaint was heard and answered. Today XX/XX/2019 I recieved another letter from Hunt & Henriques stating " RE :  NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS '' It states they intend on filing suit against me. This is clearly in retaliation for the complaint which I filed on them XX/XX/XXXX for this same alleged bill of {$5500.00}. They are now threatening me. This is clearly retaliation and harassment. They need to leave me alone. I dont know who they are and I do not owe them anything. I am filing this complaint for documentation of thier abuse. Please advise what I can do. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lost my drivers license and as a result, someone used it to gain medical attention, and car Rental services. So Please Remove.

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 2019-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lost my drivers license and as a result, someone used it to gain medical attention, and car Rental services. So Please Remove.

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