vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, I returned merchandise to Macys that was originally purchased with a Visa. Despite using a different credit card, Macys posted the returns to my Macys credit card. This resulted in over {$1200.00} in excess monies posted to my Macys account. On XX/XX/XXXX, I called their customer service dept to request a refund check. I was told that if I provided my bank account number it would be faster and would only take 3-5 business days. I called again on XX/XX/XXXX, and was told it would be deposited on XX/XX/XXXX. I expressed that I was leaving out of the country and needed that deposit for my mortgage. Upon my return, I saw that there was no deposit. I called on XX/XX/XXXX and was told that the refund was not approved and they would process the deposit in 20 days. After speaking to a supervisor, I was told a deposit would be made that week. I called again on XX/XX/XXXX and was told a CHECK was mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received my money. This has caused my XXXX mortgage to be late and now XXXX. I am currently unemployed and looking for a job in accounting. My credit report is always taken into consideration during the application and background check. Macys unscrupulous and unethical practices are causing me financial hardship, stress, credit reporting concerns with my mortgage and other bills, and risk of not passing my background check for employment. Macys is very quick to post charges to my credit cards and issue late fees for late payments but is holding my money and continues to lie to 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 2019-07-31 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: Pendleton Capital Management
State: NY

Complaint narrative:
I settled my credit account through a third party company Pendleton Capital Management and the main creditor XXXX XXXX XXXX. I filed a dispute with XXXX and the results was that my account will still remain as charged off when I have proof stating that my account would be reported to the credit bureau as settled and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
In XX/XX/XXXX tried to set up payment plan in debt ex husband XXXX XXXX used credit card. That was not in my legal name. Name was never XXXX XXXX, which the account was opened. I fell behind due to the balance representative from American Express told me I could set up a payment plan if I caught my balance up I did so and they said I couldnt set up a payment plan so representative lied to me. I stopped paying on account in XX/XX/XXXX. American Express sued me in NH at XXXX Superior Court XX/XX/XXXX American Express or their legal team showed. The court ruled in my favor and case was closed. I am now getting new letters from new representatives of American Express threatening to sue me again. NH statute of limitations has passed. I understand it will show on my credit report but they shouldnt be reporting new missed payments, and have new legal teams harassing me after they failed to go to court. Case has been closed. I can reach out to XXXX Superior Court to get the case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
Credit Management LP has listed this account in my credit file as a collection account for XXXX XXXX in the amount of {$310.00} in XX/XX/2019. I disputed this account with XXXX and it was removed in XX/XX/2019 but was placed back on my file in XX/XX/2019. This company has never sent a collection notice, or a right to dispute notice. I have no knowledge of this account and where it came from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX. I'm disputing this compliant because I applied to an apartment and I was denied because of inaccurate information on my credit file. I am a twin sister and i have been having a lot of problems with my credit. My twin name is XXXX XXXX XXXX SS # XXXX. 
( Report ID # XXXX ). XXXX XXXX XXXX ( XXXX ). 

1.I am disputing XXXX XXXX XXXX I only have a debit card, and never had a charge off with them. Date XX/XX/16. Amount {$9500.00}. 
2. Portfolio- XX/XX/XXXX- I am disputing - I have never had an account with them. Amount {$410.00} 3. XXXX XXXX- I am disputing because i never had an account with them. Amount {$650.00}. 
4. XXXX XXXX XXXX XXXX I am disputing I never had an account with them. 
Amount {$250.00} I am also disputing the inquires on my account from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Please forward correspondence to my address at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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 am a victim of Identity theft. And incorrect information is showing on my credit report. The fraudulent account from XXXX XXXX XXXX is still on my credit file in the amount of {$850.00}.

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 2019-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XX/XX/2019. We received a letter from Bank of America which appeared prior to opening to be a normal bank statement. Upon reading the letter, dated XX/XX/2019, we learned that our home equity loan had been sold to XXXX XXXX XXXX XXXX. We were alarmed at this change of servicer after reading numerous bad reviews and complaints online. 

The letter from BOA stated " You should receive a welcome letter from XXXX XXXX XXXX XXXX with more information about the next steps. '' We have received no such letter. 

The BOA letter goes on " Begin making payments to XXXX XXXX XXXX XXXX beginning XX/XX/2019 ''. 

Obviously this notice during the summer, when many people are away on vacation, and appearing to be the same monthly statement we receive every month Bank of America is counting on customers not opening the envelope before their due date and then the new servicer will not only be able to collect late fees, but the customers credit score can be effected. 

If a Bank of America customer logs into their online account - the Home Equity Loan is right there - with a payment due date of XX/XX/XXXX - leading them to believe everything is the same as ever. So if they are unaware that their loan has been sold, their payment will end up in some Bank of America black hole and they'll be late on their mortgage. This is clearly a deliberate attempt to *technically* follow the rules for informing the customer, but increasing the likelihood that the banks will somehow profit from customers oversight. 

If Bank of America really wanted to facilitate this transfer in an ethical manner, then at minimum the online mortgage payment portal should mirror the information in the letter - show no payment is due to Bank of America on XX/XX/2019 but instead, payments should be made to the new servicer. 

I called and all the Bank of America employee did was tell me it was up to me to call the new servicer and figure out the payments. They took no responsibility for the fact that the promised welcome letter and information would be received in time - in fact he said " that's a different company, we have no control over what they do or don't do. '' This is unacceptable and while I hope I can figure out how to make our payment by tomorrow, I am 100 % sure there will be tens of thousands of former Bank of America customers who are impacted by this unprofessional behavior.

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 2019-07-31 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have applied to apartment and was denied for the following reasons. 

Wells Fargo- Reason of dispute- Never had an account with them I am a twin with a lot of problems. My sister had an account with them. 

Her name is 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 non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
The company has reported to the credit bureaus that I have an overdue bill that has not been paid and is now in collections. I have not been notified in writing by this company and they call me on a weekly basis. I have asked them to please send something in writing and they ask me for my personal information and when I refuse to do so, they hang up on me. 

I want written proof and verification to settle if valid but how can I do that if they will not send me in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had a fraudulent charge on my bank of america XXXX  XXXX credit card on XX/XX/2014 for XXXX. I opened a fraud claim with bank of america and they denied my claim only because they said they mailed me statements and I continued to pay my balance on my card.

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please pages 7, 8 and 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Experian violated my rights to this information by saying they do not have to do so. I have attached the letter I sent as well as Experian response and the certified letter with tracking showing they received the letter

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/XXXX I made an escalation report with XXXX spouse again to bank of America XXXX XXXX XXXX in person XXXX  XXXX va from my fraud original report in XXXX XXXX manager Bank of America has denied a credit card opened in my name of XXXX and last payment recorded was XXXX on XXXX. The year I first reported fraud and identity theft to police and all credit agencies and the FTC and office of comptroller USA and federal law enforcement USPS crime unit for us mail theft. Of over 240 k from XXXX and XXXX and XXXX settlement payouts plus a XXXX XXXX XXXX broker account opened in my name in XXXX as per XXXX XXXX at XXXX XXXX XXXX. I sold XXXX XXXX follars of XXXX stock in XXXX NOT XXXX AND IT IS NO WHERE DOCUmeNTED with XXXX XXXX XXXX XXXX XXXX agent XXXX nc. And they sent me a piece of paper with stating account opened XXXX {$3700.00} balance and a check issued in approx XXXX. I never received this either. The FBI left me a message in XX/XX/XXXX reporting they had evidence of suspicious activity on my SSN #. 
THE BOA ESCALATION REPORT HAD MY SOLE ACcounT OF XXXX OPENED in XXXX. I inquired. No response. There was other incorrect phone # nfo and addresses on my screen for my escalation report in XX/XX/XXXX with spouse. It stated updated in XXXX to XXXX   XXXX  XXXX. I have not lived there since XXXX and I did not have an account with Boa in XXXX. AS per XXXX from boa regulatory I was promised the original signature cards from XXXX due to my fraud and identity theft in my name but i have never received the signature cards from XXXX even notifying XXXX I did not open a boa account in XXXX after XXXX intense fraud research on my XXXX in XXXX XX/XX/XXXX she stated it was opened XX/XX/XXXX. 
I have enclosed my XXXX  credit report dated XX/XX/XXXX that has on record the XXXX boa account opened in my name ( that I have never used or received just like the bank card issued to me on XXXX that I never received or used and just like re atm card I order from XXXX XX/XX/XXXX that I have never received I reported to the cfpb recently ) that boa denies as per XXXX. I finally found proof of the boa account from XXXX last payment documented on XXXX  report of XXXX XXXX XXXX with XXXX XXXX. I have never received it or used!!!!!!!!!! As I stated to XXXX and spouse.

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 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Radius Global placed a negative collection account on my credit bureau report with a delinquency date of XX/XX/2019. I do not know who this creditor is or what debt this is as i have received no notification including the opportunity to request the validity of debt debt before this negative information was placed on my credit bureau report. These tactics are deemed unfair and deceptive under the XXXX governance, as it has caused unavoidable harm, including but not limited to a decrease of my credit score. These tactics are also a direct violation of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please pages 7, 8 and 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is  owed and nothing is past due. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2019-07-31 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: CA

Complaint narrative:
Disputed Inquires Date XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2019-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I received a contract from XXXX to get a personal loan for XXXX. I gave them my bank ingormation ( Navy Federal Credit Union ) to transfer funds, they wanted to see if my account was in good standards so they sent XXXX in which i was told and have witnesses with me to take money out an send it back by going to XXXX XXXX an purchasing {$490.00} worth of XXXX XXXX cards to send money back. I never received my XXXX. I was calledXX/XX/XXXX by Navy Federal saying my account was compromised by a scammer an that the company made a fraudulent claim to take back my own money from bills i had already payed starting from the XX/XX/XXXX  When i was told on a recorded line from Navy Federal about the activity i told them everything even tried to send the contract off my gmail, he told me they would take care of everything but couldn't receive the funds back. Now today XX/XX/XXXX im getting emails from my lightbill company saying my electricity check for the XX/XX/XXXX has been returned leaving us in the dark an now there is a negative balance in my checking account from Navy Federal saying I owe this money back to them on the XX/XX/XXXXt but was never told to me while i was on the phone the first time that i would have to pay this money back. Im losing both ways an i feel attacked, stupid, and vulnerable at the moment because i needed help with school supplies an clothes for my children. Why wasnt i told at first time talking to fraudulent people fro Navy Federal about this nor giving information on what the scammers took from me. The scammer or XXXX XXXX XXXX phone number is XXXX. Please help me get some better understanding on how this work i talked to people from the bank stating they cant do anymore to help me they wont even do a further i investigation which is why so many of us in the military commit XXXX or dont want to be apart of this country we serve because we put our lives on the line for everyone an cant even get any protection, help or understanding from our fellow people that say they're here to help. Please help me understand why an yes i know i made a XXXX up decision trusting this company but losing twice really hurts my whole family. If theres anything you can do please let me know. My name is XXXX XXXX phone XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
There were undescribed charges on my account for a XXXX, XXXX, for XXXX that was taking out of my account not monthly, it was taken out whenever sometimes 3 or 2 times a month. The bank doesn't even know what company it was. I made a dispute with the charge with the bank but they right away denied it not even looking into the charge or the company. I looked up the company myself and the XXXX   have the company down as a possible fraudulent credit reporting agency with many problems. I tried to get in touch with the company but they keep saying the issue is going to get corrected but they never did, as a matter-of-fact, they can't even find my subscription. I even tried to log in to my supposed subscription and couldn't log in, it keeps giving me an error on my email address and I tried both of my emails. The American Express Serve customer service done the dispute but within 5 days they denied it. They did replace my debit card like that was going to refund my money back. The XXXX fraud company supposed to be monthly subscription but the was taking out more than once a month. They keep telling me to contact the company but it's not possible to get anything done with the company because it's a fraud, so they say they will fix the problem but don't. The XXXX was stating that this company has many different names as well. No email was ever sent about the drafts at all! 
Charges dates and amounts from start of the first draft. 
XX/XX/2019XXXXXX/XX/2019 XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX

Company response to consumer: Closed with explanation