vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: ZWICKER & ASSOCIATES
State: PA

Complaint narrative:
I am a senior citizen age XXXX living on under {$900.00} a month direct deposited social security. Thats at about 80 % of the XXXX XXXX level. 

Zwicker & Associates, P.C. ( Ph : XXXX ) filed a claim against me on behalf of XXXX XXXX  in the Court of Common Pleas in XXXX XXXX PA in XXXX of XXXX. I received the paperwork around the beginning of that month. Arbitration is scheduled for XX/XX/XXXX at XXXX XXXX. 

The claim is seeking {$4700.00} of which {$2500.00} is interest. The account was closed in XX/XX/XXXX. Interest continued to be added from XX/XX/XXXX until XXXX of XXXX. From about XX/XX/XXXX to XXXX or XX/XX/XXXX this account was in Debt Consolidation with ____ca n't remember company name__. It became a hardship after making payments of {$180.00} a month from XX/XX/XXXX to XX/XX/XXXX. At this time I canceled my agreement with______ to move my debt to XXXX XXXX XXXX as they were able to lower the monthly amount. I was advised to stop paying on my credit cards so they could negotiate with the credit card companies. I was able to actually pay off some of the credit cards that I had at the time. But that too became a hardship and I calculated how long I would be paying so I canceled my agreement with XXXX and negotiated on my own and paid off two of my cards. 

I contacted XXXX to try to negotiate with them as they were listed on the collection letter I received and was told that they would only be able to accept {$290.00} a month for a year. I had one check debited from my account in XXXX of XXXX and was unable to continue without severe hardship. So I canceled that agreement. I did speak with someone and told them I could afford {$50.00} a month but there was no further conversation on the part of Zwicker to set up a plan I could afford. My complaint is that I tried to settle my debt in a manner that would not leave me with financial hardship and they refused what I could manage. It would be a greater hardship if I am also saddled with arbitration fees. 

PA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: U.S. BANCORP
State: VA

Complaint narrative:
I am writing to complain of the practices of Elan Financial Services ( Elan ), issuer of credit cards for Fidelity Investments, among other sponsors, which are certainly anti-consumer and may be violative of the Fair Credit Billing Act, 15 U.S.C. 1666 et seq. 

When Elan detects what it believes to be a fraudulent charge it calls the cardholder and uses high pressure tactics to elicit a yes or no answer to whether or not a list of charges, given with few details, are authorized or fraudulent. I think it fair to say that it is unreasonable to expect an average consumer without contemporaneous access to paper or electronic records to recall every charge he or she may have made over several days, particularly given the paucity of details. 

If the cardholder says no they do not recognize the charge, the charge is declared fraudulent and the account is immediately blocked for days until a new card is received, denying the cardholder access to credit and creating an incentive for the cardholder to acknowledge small charges that he or she may not really recognize. 

I particularly request the Bureau to investigate what if any use Elan makes of a yes answer made by a pressured consumer, recognizing the charge in the recorded phone call but later wishing to dispute the charge under the Fair Credit Billing Act, when the monthly statement arrives. Elans tactics raise a fair question as to whether Elan is attempting to prejudice consumers Fair Credit Billing Act rights by having at its disposal a recorded telephone conversation during which the cardholder acknowledged the charge.

What is clear, in any event, is that these tactics contravene the scheme created by the Fair Credit Billing Act of allowing consumers to review their periodic statements within a period of their convenience and with access to their records, and to dispute charges they then find to be unauthorized. The effect and, I believe, purpose of these practices is not to prevent fraud, but to shift any possible loss onto the consumer and away from the card issuer in contravention of the Act.

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 2021-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.L. Zager P.C.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed an XXXX XXXX account on my credit report several times with Experian. The XXXX XXXX account shows inaccuracies between the bureaus. I have requested Experian to delete the account and provided proof of the inaccuracies showing between Experian and XXXX and they still did not delete. I filed a CFPB complaint 2 weeks ago and they responded stating they could not verify my information. At this point Experian is avoiding me and violating my rights by reporting an inaccurate account. FCRA protects me from inaccurate information reflecting on my credit report but yet Experian is disregarding my request after I sent proof.

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I used my HomeDepot Credit Card and then returned the product. The return was processed late on the credit card for some reason and I got to have a balance due to a late fee. The card is charging me a late fee OVER a late fee for a product that I returned. 
It is a very bad integration between THE HOME DEPOT and CITI CARD. 
I am extremely disappointed as I had a good perception of the HOME DEPOT. 
Now, not related to the problem here, THE HOME DEPOT does not accept returns without receipts or if you get the same card. I am an Atlanta-based consumer I am thinking about only buying at XXXXXXXX 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 monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
After reviewing my credit report i notice a derogatory response in my credit report associated to suburban credit collection in which i sent written notice on ( XX/XX/2021 ) requesting for a validation of this debt under the fair debt collection practice act, that the claim is disputable and validation is requested. instead of validating the debt, Suburban credit collection failed to validate the debt. They equally went ahead to XXXX PIPPA regulations by getting my personal information such as my social security number, a list of my medical record and send them to me on ( XX/XX/2021 ). i never signed a PIPPA form authorizing them to have access to this information. Please i want them to delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
On XX/XX/2020, Portfolio Recovery Associates has added two derogatory marks on my credit reports per XXXX XXXX and XXXX. Upon, further research these accounts was sold or transfers and I no longer responsible for accounts. Debt collector did not verify these accounts. Also, there was no written contract and original signature with these debts at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Portfolio Recovery Associates, LLC has violated my rights as a consumer and I am requesting legal actions to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is a data breach on my report. There has been inaccurate information reported that does not display across each bureau. I am demanding immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 around XXXX PST I got a call and txt message from BofA clarifying if I made a XXXX transaction to a XXXX  recipient XXXX for {$3500.00}. I said no and that Im in the middle of work right now and that its busy. Whats going on? They said Ive been a victim of a fraud and that this call is being recorded. In order for me to reverse this transaction I had to go into my XXXX and add myself as a recipient. Which I did then transfer {$2400.00} over first then the rest of the {$3500.00} to be able to reverse the fraud transaction. I was so confuse and questioned them if theyre BofA and they said yes, I can check their number on XXXX and on the back of my debit card. I was in the middle of work and had to run to the medication room to take this call as Im frantically shaken that once again someone was just trying fraud me. So I followed their directions to reverse my transaction. They said I would get an email on the confirmation of the reverse transaction and another email to change my password on my account. When I got home just now, about to transfer money to my landlord since I am moving out today to realize they didnt reverse anything, instead they wiped my account out. I am finishing up my pharmacist residency program this Friday XXXX, with no job at the moment and have to start paying my {$320000.00} student loans that I just refinance this upcoming month. As Im sitting here thinking back what had just happened and looking carefully at that text message now, I feel absolutely so stupid. I cant believe I let my frantic self at that time on the phone with them get the best of my gut feeling!! I dont know what else to do with these bills hovering over me and with nothing left in my bank account. Please please help me get this refund ASAP Im so ashamed to be apart of this ridiculous scam!! Thank you so much in advance.

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/21, I was checking in for my Delta airlines flight that was departing in 24 hours and a Delta Gold AMEX credit card offer was included on the check-in page which states " SAVE UP TO {$60.00} EACH WAY ON FIRST CHECKED BAGS ON DELTA FLIGHTS For you and up to 8 additional travelers in your reservation today when you apply and are instantly approved '' ( webpage attached ). The terms and conditions of the credit card were provided which I attempted to read and comprehend. As the {$99.00} annual fee was waived for the first year and the baggage fees for my trip were totaling {$120.00}, I applied for the credit card as I wanted to take advantage of the free checked bags. After applying for, and receiving confirmation I was approved for, the AMEX credit card and receiving my Skymiles # to add to my reservation, this step did not waive the baggage fees. I contacted AMEX to retrieve my newly approved account number so I could use it either online for my check-in at at the airport and I was informed that I would need to provide my physical credit card at the airport to waive the fees and that they did not have an account number to give me yet either. They referred me to the terms and conditions, which state " New Card Members and Card Members upgrading from another Delta SkyMiles Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express ''. As flight check-ins are not initiated until 24 hrs before flight departure, there would be no way any person applying for this benefit would be able to utilize it in their " reservation today '' as the ad deceptively touts. AMEX was not unable/not willing to provide a statement credit to cover my baggage fees. 
The bottom line is that the ad is deceptive in its promotion that can not be realized as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I contacted XXXX in XXXX of XXXX to cancel my services and end my account with them. Im XXXX XXXX military and also provided them with copies of my XXXX Orders in order to effectively terminate my contract early. Up until XXXX of XXXX I received emails about my outstanding balance. All while Im XXXX multiple times and attempting to resolve this. On XX/XX/XXXX, I contacted XXXX and communicated with them about the charges. The representative stated that I paid off the balance that was due in XXXX of XXXX and had a {$0.00} balance following. This is the same month I disconnected my service. In XXXX of XXXX, I receive an email from XXXX stating that my service has been disconnected. In XXXX of XXXX I received an email stating that I had a overdue balance of {$270.00} after services have already been disconnected. In XXXX of XXXX I received an email stating that my account has been disconnected, effective date XX/XX/XXXX, with a balance of {$250.00}, as well as another email on the same date saying my bill is overdue of {$270.00}. XX/XX/XXXX I received another email stating that my overdue bill is now {$740.00}, to include an {$300.00} ETF ( early termination fee ). XXXX of XXXX, a collection account is the reported to my Credit 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 2021-07-01 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: National Business Factors
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Starting on XXXX i had unauthorized charges done on one of my credit cards with Bank of America XXXX I was at work on the XX/XX/2021 until XXXX. I left straight to XXXX XXXX after that and didnt come back to work until the XXXX of XXXX. I had a call from Bank of America her name was XXXX, she said something about fraud charges. I logged into my account and noticed there was numerous transactions i did not do or authorize anybody with the card. I checked my card case and my card was gone with my chase card as well. I called Bank of America immediately to tell them that it wasnt me because when i logged into the Bank of America app it had my verify the information if it was me or not. I freaked out so filled it out and called them and told them it wasnt me. I rarely use this card unless its an emergency. They opened a fraud dispute on the transactions and denied them, i called them back and they reopened it but this time i did a police report and provided them with that information. There was a total of 8 transactions done. The ones on the XXXX of XXXX are as from XXXX XXXX for XXXX, XXXX XXXX and XXXX XXXXXXXX For the XXXX the first one is XXXX XXXX XXXX and the second one is XXXX XXXX XXXX For the XXXX theres one at the XXXX XXXX for XXXX, the XXXX XXXX for XXXX and XXXX XXXX XXXX  for XXXX I cant believe theyre denying my fraud claim that wasnt me. Im frustrated that they havent came up with a resolution and they sent me a letter saying they contacted some reporting agencies to add a comment on my credit report stating that i disagree with their decision on my claim. I am not responsible for these charges because i didnt do them. Ive never had to go through this before and the fact that they cant seem to come up with a resolution is frustrating on my end.

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 2021-07-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a data breach on my report. There has been inaccurate information reported that does not display across each bureau. I am demanding immediate deletion.

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 2021-07-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is a data breach on my report. There has been inaccurate information reported that does not display across each bureau. I am demanding immediate deletion.

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