vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I received emails from my bank, Wells Fargo on XX/XX/XXXX and XXXX each stating that my replacement debit cards were being mailed out. These emails stated the card were expiring but only one was due to expire in XXXX. I called concerned because when i established my bank accounts with them years ago, the banker opened 4 more accounts without my authorization, which I closed immediately. However, I continue to have issues over the years. 
My new debit card came and attached letter stated this card replaces card number ending in XXXX. I do not have a card ending in this number. I called again on XX/XX/XXXX and the rep I talked to researched my concerns and after long holds, she informed me that these debit cards were in fact associated to those other accounts that were closed and supposed to be deleted from my profile. But now the debit cards are somehow associated to my open checking accounts. She stated to not activate and cut these cards up. She also gave me case # and said someone will be handling on an escalated investigation as to why these debit cards from those accounts are still being replaced by ATM services and how they are associated to my open checking accounts. 
When I called XX/XX/XXXX to find out why I have not heard from a case manager, the rep in the Executive Office simply stated she sees nothing associated to any " closed accounts '' and these were my debit cards being replaced because mine were supposedly compromised so they " took security measures to replace ''. I explained to her my previous conversation with the rep on XX/XX/XXXX and she said she doesnt know how she saw that. She said you can go ahead and activate or not activate the cards. I explained that I am extremely upset and thishas occurred before with these accounts that were open without my knowledge and that they are obviously not closed out properly if I am still getting debit card replacements for these. I also dont understand why the debit cards are tied to my checking and savings accounts now that are active.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Today Date XX/XX/2019 This complaint involves XXXX. 

I received a denial letter from Citi Bank in regards to opening a money market account. They said their decision was made in part due to a report from XXXX  and that I should contact them for the report. 

XX/XX/2019 was my first request for the report. Which was to be mailed in 5 working days. 

XX/XX/2019 : I called XXXX  to ask where the report was and they said I should have received it and would mail another one. 

XX/XX/2019 : I filled out another request for my report. 

XX/XX/2019 : I contacted your office. 

Why don't banks send a report along with the denial letter. 

Why can't you get the report by email. The application after all was applied for online.

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 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Cash Management Corp.
State: NH

Complaint narrative:
On XX/XX/2019, I received a notice in the mail stating that I owed {$340.00} to our doctor 's office. My husband also received a notice and that will be addressed in a separate complaint here. My husband and I have the same doctor. We always are told if we owe money for the day 's visit, but we also have an arrangement of {$25.00} per visit per person. The last time we were in the office, we were NOT TOLD that we owed any money nor did they ask for our arranged payment. To me, that is THEIR RESPONSIBILITY TO let us know that we owe the payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: ERC
State: TX

Complaint narrative:
This company has harassed me for years over an account that was opened fraudulently. All accounts opened during that time have been deleted from my credit report except for this one and they continue to harass me. Pretending to be law  enforcement, lawyers and even going as far as impersonating social security benefit case workers. I do not receive social security. As soon as they told me that the debt would be take out of my social security benefits I asked them for a copy of the apparent withhold order and they hung up in my face. Ive written letters, faxed letters, emailed, called, provided documented proof of the identity theft history with officials police statements everything. I simply want it deleted from my credit report and for these people to leave me alone!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Camelot Financial Services, Inc.
State: TX

Complaint narrative:
I have been harrassed by ace loans of XXXX tx XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I am paid twice a week so my payments are arranged twice a week. I have been receiving harassment phone calls from XXXX. I have spoke with someone on XX/XX/19 confirming a resolution for their actions but I am still receiving phone calls. Ace Loans are calling my employer at XXXX and my personal number at unprofessional times of the day. I recieved a phone call from them twice on XX/XX/19 at XXXX. Ace Loans has called my employer several times on XX/XX/19. This is harming my personal life and my relationship with my employer.

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 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I opened a account with BBVA. On XX/XX/XXXX I went into the bank to fund the account but it was denied. Reason I had a charge off in XX/XX/XXXX- XX/XX/XXXX for XXXX. With a third party Bank call Simple. I never opened a account with them. Whoever open a account used a old address where I use to stay in XX/XX/XXXX/XX/XX/XXXX. I contacted Simple several times they would say someone would contact me, but never did. Simple couldn't tell me if it was being investigated are what was going on. 
On XX/XX/XXXX I received a letter from XXXX XXXX that my checking account was denied on XX/XX/XXXX. Never did try to open a account. I contacted XXXX XXXX they told me to contact Identity theft.gov. On XX/XX/XXXX I put a freeze and faurd alert on my credit. I also provided information to identity theft.gov. I contacted all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: AR

Complaint narrative:
My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX  Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XXXX 3.XXXX XXXX paid as agreed. 
4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX XXXX as agreed. History reporting inaccurately. Never 30 day delinquent XXXX through XXXX in XXXX. 
7. XXXX XXXX Paid as ageed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: AR

Complaint narrative:
My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XXXX 3.XXXX XXXX paid as agreed. 
4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX Paid as agreed. History reporting inaccurately. Never 30 day delinquent XXXX through XXXX in XXXX. 
7. XXXX XXXX Paid as ageed.

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 2019-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Three separate charges totaling {$2900.00} were made with my debit card apparently with an XXXX and XXXX XXXX XXXX. I have never shopped at that store, and these transactions were not authorized. I disputed with Bank of America and they denied my claim. Here was my appeal letter sent below : To : Bank of America ATM Debit Card Research Department From : XXXX XXXX Account name XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX Claim # XXXX Claim amount {$2900.00} Charges XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX XX/XX/XXXX Hide additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX Edit Description activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX Claim Denial Request for reconsideration. 

To Whom this may concern, Regarding the above claims, I have NEVER shopped at an XXXX and XXXX as the three charges that I have disputed represent. I have NEVER been to the state of OHIO as the three charges show that the purchases were made. Clearly this is fraud, why would the charges be made three separate times if somebody wasnt continuously trying to rob the account? This is also an incredibly large amount of money and should have been flagged. 

I have never shopped at this store, I have never been to the state of OHIO, these purchases were not me or any authorized user of this debit card. Further a fraudulent charge that I assume has not been denied was made around the same time on my account at a XXXX XXXX. Clearly somebody had made some sort of additional card using my account information and made charges. While the XX/XX/XXXX charges were processing and noticed the activity I immediately made the dispute. I have been a customer with Bank of America for over 15 years, this money was stolen from my account and is insured, I request this money be returned to me immediately or I will seek further recourse. 

XXXX XXXX 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 2019-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: CO

Complaint narrative:
net spend and brinks prepaid cards im not receiving anything and not able to use card someone else I believe might be fraudulently using card I never have gotten any funds

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 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have been with USAA for several years. I recently switched my banking over to USAA. For weeks they have asked for documentation and ID. All of which I supplied multiple times. On the XXXX without any notice other than the same email I have responded to they froze my checking and savings accounts. I did not get one phone call to my cell or home. I do not have 1 voicemail from USAA. I do not have a USAA number in a blocked list or anything. I called them, supplied the documents again that they wanted. Called back instantly to make sure those were received. USAA has had everything they need for the last 3 days and yet after more than 9 calls and escalations my accounts remain frozen. I can not get my medications or food or pay bills. My bills are being returned and Im getting fees and USAA says I have to wait for the back office to release the hold and the only way they can communicate with this back office is via email. I have been paying my insurance bills for years and not one issue with identity as long as they are taking your money. I have even had my father who is next of kin supply documents and his XXXX and license and still here I sit going into day four with no access to my checking or savings accounts because I was just told I have to wait till the back office gets to me because Im not next in line. I would understand if there was something going on but there isnt and they have what they need and basically I have to wait until USAA decides I can have access back to my own money! I was told they do this to everyone and if I had known that then I would of never ever switched banks to USAA. I have called everyday explaining the urgency in me seeing my dr for my XXXX meds and I had to reschedule 3 times costing me {$50.00} that I cant pay right now either. Once they got what they asked for my accounts should of been unfrozen immediately. Im not a new customer I have been one for like 10 years. They need to stop doing this to people without making sure they have made contact with someone. A call and voicemails would of been nice to my house and cell none of wish I can locate and I have searched all call history extensively. They send an email to an app I may not login to that day and its not specific either. Its the same one theyve sent over and over. I need access to my account immediately. I need food and to pay bills. Im racking up fees and late fees. Is USAA going to pay the {$50.00} to XXXX dr or late fees to cap one or anyone else? I shouldnt be waiting 4 days to access my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am complaining because Medical Data Systems Inc is reporting derogatory information to my credit file. I have already disputed this information and it was removed from one of the bureaus. It still remains on my XXXX and XXXX credit file. The account doesn't belong to me, and I want the information deleted from both credit files 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 2019-09-20 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: AL

Complaint narrative:
I been trying to fix this problem with TranUnion for over three months XXXX deleted the inquires and XXXX I don't know what the issues is with TransUnion XXXX even said they was going to contact the companies to let them know about the issues so that they can deleted the one 's on their end but TransUnion refuse to I have reached out to the creditor I have had not luck some of the inquires are from 2017 I just don't think it fair they should remain on my report and they are not mine nor did I authorize them.

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 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: WI

Complaint narrative:
On XX/XX/2019, I received a phone call from a number registering same area code and town that I was in. The caller stated " was an attempt to collect a debt '' and then asked me to verify my name and address. I asked them to identify themselves, they said FBCS, and who they were calling on behalf of, which they refused to say and insisted I provide them my address first. I asked again who they were calling on behalf off and the caller told me they wouldn't answer anymore questions until I identified myself. At this point they hung up on me. I received another call today XXXX XXXX. The caller again said they represented XXXX and wanted me to identify myself. I didn't give out any information and instead asked for a business address and phone number. The caller became defense and refused saying she didn't have to provide any of that information. At no point in either call did the callers say who they were calling on behalf of UNTIL I asked them to identify themselves. Both calls came from a local number. And both callers became defensive when I questioned the legitimacy of their call, refusing to provide additional business information beyond the name FBCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In 2007 I had a Home Depot credit card. I have an excellent credit rating and have always paid my bills on time. I had an unpleasant incident at the Home Depot store in XXXX XXXX, Florida where I was met with hostility from the customer services reps. I stormed out of the store and requested to have my credit card CANCELLED. I called them to arrange payments and to request that my monthly bills be sent to me so that I could satisfy my debt. NOTHING WAS EVER SENT TO ME. A few months later, I inquired WHY I wasn't receiving monthly statements, and THEY SAID THAT THEY COULD NOT HELP ME ; AND THAT MY ACCOUNT HAD BEEN SENT TO " COLLECTIONS ''. Not once, did they offer to assist me. Needless to say, I NEVER received any collection letters and the account went DORMANT for many years. I am in my late XXXX now and I received a call from a woman stating that " I owed {$960.00} ''! I told her that I wasn't going to pay a penny until I receive the original billing statement from Home Depot, stating what I owe. I am sure that over the years, they have added increasing fees and interest, without my knowledge. I believe that an account over 7 years should have been deleted from my credit report. However, despite this fact, this account remains outstanding and I am now harassed by debt collectors. I await your response.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
my credit report with Equifax is split, which makes my credit report invisible to someone who is running my credit. Equifax can see my current accounts, but nobody else can. i have a reference number from a company here that has been working to fix the issue ... ref # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
It was yesterday XXXX XXXX around XXXX, i went to XXXX bank on XXXX and XXXX in XXXX, TX. 
I wanted to withdraw {$5000.00} from my account, the teller told me that they did not have the money and that i needed to go to a different location, or come back the next day to get it. I asked to speak to the manager. The teller came back with a young lady, i told them that i will be video this conversation and asked for her name, she refused to give me her name and walk away. 
I asked the teller for that person name but she refused to give it to me, and refused to give me her name also. I asked the teller again that i could speak to someone really in charge, because i want to cash out some money. 
After a few minutes in the back room again, she came out and told me that i can have {$2000.00} instead of {$5000.00}. I told her that i didn't want {$2000.00} but {$5000.00} of my money and who ever hear of a bank that doesn't have {$5000.00}. 
Then suddenly another employee came and asked if she could help me from behind my back, she asked for my driver license and bank account number, i gave them to her, then she went in the back and after a few minutes, she came out with {$5000.00} and gave it to me. 
I don't really know what has happened there, was i being discriminated or????. 
It was really sad that i have to go through that just to get my own money. What if they do this to the people that speak very little English or someone just do what the told from the teller, there have to be a better way.

Company response to consumer: Closed with explanation