vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank XXXX XXXX to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( Fifth Third Bank ) to confirm funds and to give myself peace. On XX/XX/2020 I called Fifth Third Bank ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX XXXX to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank XXXX again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by XXXX XXXX. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 XXXX XXXX deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is absolutely horrible how I am being treated with covid I reported my card as lost they told me they would expedite it by XXXX and I never got it then they apologize and said they never sent it now they reissue me a card called me to confirm its me and I get the card they blocked my online access online banking everything for no reason this is not fair and told me to go with my id to a financial center this is ridiculous with covid

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 2020-08-14 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: SC

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 2020-08-14 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: IL

Complaint narrative:
I am writing to complain about an online systems malfunction, lack of customer disclosure, and an unwillingness to make things right that resulted in a late payment mark on my credit report for my XXXX XXXX / XXXX XXXX credit card, which has now stayed on my credit report for over 2.5 years. This has negatively impacted my ability to receive home loans, and has costed me hundreds of dollars in additional interest and fees. 

When I opened the account, XXXX XXXX forced me into the paperless option to save themselves money, but denied me online access to view my bills. Due to a technical error, I could not set up my online account for the first 6 months after account opening. Realizing the problem I would have with a potential late payment, I set up monthly automatic payments of {$40.00} - the minimum monthly payment amount. 

Little did I know, the minimum monthly payment increased by a few dollars several months later, causing me to receive a late fee. This step-up in fee was inadequately disclosed to me in the account terms. 

As a result of this, in XXXX I was past due with a balance due of {$7.00}. There was no attempt to contact me nor did I receive any monthly bills informing me of this. I was charged a late fee of {$25.00} that month. This late balance continued to grow and accrue more late fees, despite me paying {$40.00} each month, which was the minimum payment shown to me when I opened the account. Eventually, in XX/XX/2018, I received a negative mark on my credit. Noticing this, I immediately got in touch with XXXX XXXX and made a large payment of {$200.00}, but the negative mark remained. 

My otherwise excellent credit history has been tarnished by XXXX XXXX XXXX  unreliable technology, lack of disclosure, and lack of concern for its customers. XXXX XXXX denied me access to view my bills online, did not send me paper statements, and despite making regular payments each month in the amount of {$40.00}, hit me with a past due negative mark on XX/XX/2018. Despite contacting them directly, and initiating 2 separate disputes through the credit bureaus, they have ignored all my attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a transaction with my card, on XX/XX/2020 transfer was the transaction I made from my account so I really want to log on my account to view my account statement and perform other transactions I guess I was unable to log on it because someone tampered with my password, so I need you to email a link on how to reset and verify proving am the rightful owner of this prepaid car, you can contact me here .. 
Email : XXXX Mobile number : XXXX XXXX XXXX Thanks you all ..!

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 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have continued to receive letters in the mail ongoing and receiving phone calls. I have even had my personal attorney send a letter and afterwards continued to get more. It is ongoing and very abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
regional acceptance corp. has illegally updated collection account by submitting false payment dates and activity on account. Its reporting the account to be180 days defaulted as of XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX the account display current. XXXX thru XX/XX/XXXX account display 30 to 180 delinquent. The account was in a chapter XXXX bankruptcy filed XX/XX/XXXX and was dismissed on XXXX XXXX for non payment. after carefully looking at my credit report I noticed regional acceptance corp. enter a date of last payment received XX/XX/XXXX on one credit report then reflects a charge off as of XX/XX/XXXX but then change close account date as of XXXX this information has been altered re-aged on credit reports far back as XX/XX/XXXX.no data entry between XX/XX/XXXX thru XX/XX/XXXX on my XX/XX/XXXX credit report but shows me 180 days delinquent in XXXX credit report during that time. the fair credit report act says the original first date of reported delinquency and after of no current status 7 to 10 years the negative information should be removed. The state of New Jersey statue of limitation is 6 years. I am beyond the required time this account is outdated and needs to be removed quickly.

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 2020-08-14 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 been a victim of identity theft and have made countless reports over the years about this. I've sought out several credit agencies in hopes of clearing my credit of fraudulent activities which has fallen upon def ears. I am hoping by reporting this it will hopefully grant me the results I need to live my life and buildup my credit with dignity. I would like all fraudulent accounts removed so that I can buildup my credit and finally do what I need to do for myself.

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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
At this moment, I do not recall how I became aware of this debt, but I phoned the collections company on XX/XX/XXXX to request a detailed invoice for the debt. When I last talked with XXXX, no one could tell me what the debt was for. 
In short, the phones I received from XXXX did not work, I returned them. At that time I paid a restock fee and asked to pay any outstanding bill. The rep double checked and said I did not have one.  Later that month I received a bill for {$1700.00}. I called the store, but in the end, no one could tell me what the bill was for and subsequently stopped answering my calls. The next month the bill was {$1500.00}. I eventually got through to an online customer service rep and they realized some of the phones were not returned. After updating my account, there was still a balance for {$240.00}. He could not tell me why. 
When this balance showed up in collections, I phoned the company on XX/XX/2020. I informed them that XXXX could not tell me what the bill was for and before I would pay, I wanted an itemized invoice. Given all the inaccurate info they previously reported, I wanted to be sure this is a valid debt. The rep seemed to agree. On XX/XX/2020 I received an alert on my credit report for this balance. I had not heard back from the collections company. I phoned them to inquire about what happened since our last conversation. XXXX XXXX informed me that she was aware of my previous request and that I previously told them that I did not believe it was a valid debt. She said they did not receive a reply from XXXX and stated that she made another request while I was on the phone. I asked is it appropriate to report a debt you can not verify, she said yes. She stated the call was recorded so this can be confirmed. My primary concern is because I have no accounts in collection on my report and have a business transaction this could kill. She said give her a week and I do not have a week. 
I am asking they honor their first conversation with me. Prove the debt is valid and give me an opportunity to pay. I truly do not understand how and why I am expected to pay a sum of money just because a company said so and how a collection company can report a negative account without proof of the debt. 
Finally, this was a XXXX XXXX acct, I feel it was not set up properly if it is reported on my personal account. I was told my personal info was only needed for the credit check. this is more of a XXXX issue.

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 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: C2 Financial Corporation
State: CA

Complaint narrative:
I applied for refinance my home. The Loan Estimate gave me on XX/XX/2020 is {$6500.00} for Origination Charge. However, when the loan closed on XX/XX/2020, they change to {$9300.00}. They did not tell me it changed. When I read the loan fee, I complained to Mr. XXXX XXXX. He forced me to sign or he cancelled the loan. It takes more than 1 month to do the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
Never received a notice that I owed a debt and this was the only way I found about it through my credit report. It looks like it showed I pay late and that shouldn't be on my report because I've never paid anything against this debt because it is not mine. My report showed it was in XXXX, Va and I've never seen a Dr in XXXX until my girls were born 20 and 26 years ago. 
I tried calling the number listed but It's an automated line and couldn't get anyone to return a call. I couldn't get through to talk to anyone either. To my knowledge I do not owe this debt.

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 2020-08-14 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: NY

Complaint narrative:
You are reporting inaccurate and fraudulent information on my credit report. I have tried contacting you several times to rectify the matter. I have gone ahead and filed a complaint with the Federal Trade commission regarding identity theft. I sent the necessary documents in with tracking which you received verifying that I am the one in fact disputing the fraudulent activity on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I called XXXX twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called XXXX for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score was decreased by 52 on XXXX and 74 points on Equifax. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 been a victim of identity theft and have made countless reports over the years about this. I've sought out several credit agencies in hopes of clearing my credit of fraudulent activities which has fallen upon def ears. I am hoping by reporting this it will hopefully grant me the results I need to live my life and buildup my credit with dignity. I would like all fraudulent accounts removed so that I can buildup my credit and finally do what I need to do for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: FL

Complaint narrative:
I have been a victim of identity theft and have made countless reports over the years about this. I've sought out several credit agencies in hopes of clearing my credit of fraudulent activities which has fallen upon def ears. I am hoping by reporting this it will hopefully grant me the results I need to live my life and buildup my credit with dignity. I would like all fraudulent accounts removed so that I can buildup my credit and finally do what I need to do for myself.

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 2020-08-14 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: TX

Complaint narrative:
I HAVE REPORTED THAT I DO NOT LIVE AT XXXX XXXX XXXX XXXX TEXAS XXXX WHICH APPEARS ON MY REPORT DUE TO FRAUD THEY HAVE FAILED TO REMOVE IT FROM MY 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 non-monetary relief
Consumer complaint received 2020-08-14 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
hi. i'm thrifty loyal reward member. i'm traveling almost every week while the whole world is indoor. when i showed up to the counter with my reservation i showed the clerk my reservation for a standard suv but he said i reserve a buick encore. small suv i told him i rented the XXXX but modify the reservation for the XXXX XXXX a bigger suv, more safe, at {$35.00} per day.i showed him a screenshot photo as proof. after 20 minutes he said i'll give you the suv no problem. i asked at the same price i rented? he said yes. he never showed me anything. i didn't signed. my profile its in the computer. he just gave me my space number.after i returned the car i received the folio by email with a {$40.00} surcharge for the alleged upgrade and {$42.00} a day. i emailed thrifty never got an answer. i called chase 3 times. i asked for a manager. a manager called me 3 days after i said i have proof please allow me to mail you the proof. she agreed to mail me a letter were i can answer questions of the dispute and mail a copy of my screen shoot. it never happened chase close the dispute and alleged that thrifty is right. chase id=s denying my right to present my defense and proof. chase is not a neutral party. chase is taking the merchant side without any investigation. a total abuse. i don't have to tell you that i rented my car this week with another rental company and cancel my thrift reservation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into  a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other  than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX  : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: NC

Complaint narrative:
I HAVE REPORTED THAT I DO NOT LIVE AT XXXX XXXX XXXX XXXX TEXAS XXXX, XXXX XXXX XXXX XXXX NC XXXX WHICH APPEARS ON MY REPORT DUE TO FRAUD THEY HAVE FAILED TO REMOVE IT FROM MY FILE, ALSO THE NAME XXXX XXXX IS MIXED IN WITH MY FILE USING MY INFORMATION.

Company response to consumer: Closed with explanation