vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Medicredit has placed a collection on my credit reports with a date open of XX/XX/XXXX. The first collection letter received had a date of service of XX/XX/XXXX and subsequent letters were sent with a date of service listed as XX/XX/XXXX. This company has inserted this alleged debt with a date opened as XX/XX/XXXX in an attempt to re-age the debt. This is a major violation of the law. I have sent Medicredit a debt validation letter dated XX/XX/XXXX via certified mail and they have not responded but continue to report this erroneous file to the credit bureaus. I have also sent method of verification request to both XXXX  and XXXX and they report back that the collection agency has verified the information. How can it be verified with the reporting of inaccurate information or validation of the debt after requests?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed that fraudulent charges and ATM withdrawals were made on my EDD Bank of America Pre-Paid Debit Card. Bank of America refuses to properly investigate these charges and/or reimburse me of my missing funds. 

After I noticed the fraudulent charges and suspicious ATM activity on my pre-paid debit card, I immediately called Bank of America and filed a claim to dispute the charges. There were 11 purchases ( {$770.00} ) and 24 suspicious ATM withdrawals ( {$3500.00} ) on my debit card. Not sure of how long Bank of America stored the pictures taken at their ATM locations, I made well aware ( and have continue to do so with every call ) that I wanted to view the photos of the ATM transactions that were in dispute. 

In a letter dated XX/XX/XXXX, I learned that my claim for {$3500.00} had been denied because ( they ) believe the account or the claim ( has ) been the subject of fraud or suspicious activity. During the next two weeks I called repeatedly to BofA prepaid card services and when I did reach a human, they were unable to tell me anything about my claim. 

On XX/XX/XXXX I got on the phone at XXXX XXXX PST and spoke to XXXX XXXX who told me to fax supporting documents including my FTC Identity Theft Report to the Bank of America Pre-paid Claims Investigation Division and express my desire to reopen my claim ( s ). On XX/XX/XXXX, I sent a 13 page fax to the Pre-paid Claims Investigation Division requesting that my claim be reopened. A month went by, and I never heard back from BofA regarding my desire to reopen my claim or even acknowledging receipt of my submission. On XX/XX/XXXX, I called to see if they received my request to reopen my claim. On XX/XX/XXXX, I received a letter stating that Bank of America had completed an additional review of my case and concluded that their original decision was correct and that they now considered the dispute closed. 

I called BofA on XX/XX/XXXX to request a copy of all documents including ATM photos that were used in making their determination. The agent said that I would be receiving a letter within 1 week with instructions on how to go about making an appointment with the local BofA branch to view the photos. One week passed by, and the letter never came so I called them again to follow up. I was simply told that they were backed up and to be patient and give it more time. 

It has been four months since money was stolen from my account. I called the police department to file a report. I filed an Identity Theft Report with the FTC. Ive done everything Bank of America has asked of me. I simply want an honest, thorough, and fair investigation. I simply want resolution. 

REF : claim # XXXX/ claim # XXXX claim # XXXX claim # 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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2020, I mailed out dispute letters to XXXX, XXXX, & Equifax concerning inaccurate information on my credit report and I have not received a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XX/XX/2020 We paid the debt directly to XXXX XXXX XXXX. We were assured all was paid and they would immediately have it removed. 
We had no idea we still owed them we went to another insurance company. 

Now 11 months later I get an alert on my credit of a collection agency saying I owe them {$130.00}. 

This debt should have never been on my credit and now it's effecting us greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Derogatory Mark place on my credit XX/XX/2021 for {$450.00}. Company contacted me via email correspondence. After communicating I realized that I never was in an agreement with this company or had any debt inquired with Sequium Asset Solutions XXXX XXXX XXXX, XXXX, GA 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 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle accept payment from even the other payment or transaction is fraud and they wont reverse payment even though they can so i want people to know that zelle is not safe app because u will lost anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: NJ

Complaint narrative:
I was in the XXXX home during the time 's that they claimed these account were open. They all need to removed. The medical record violate my right i did not give consent for them to use this information. Once they gave this information to the their party threy broke the contract. None of this is mine nor have they proved it. all the old stuff need to be removed

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 2021-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/2021 I attempted to withdraw {$1000.00} of the roughly {$2000.00} in " Withdrawable Funds '' listed on my Robinhood account. This transaction was declined, and the error message was listed as " Account withdrawal disabled. '' with no other reasoning given. I had not made any deposits to Robinhood since XX/XX/2021, and I had no pending trades or unsettled funds. I attempted this transaction again on the following days : XX/XX/XXXX - 3 times XX/XX/XXXX - 1 time XX/XX/XXXX - XXXX Time XX/XX/XXXX - 1 Time XX/XX/XXXX - 2 times XX/XX/XXXX - 3 times XX/XX/XXXX - 1 time I did not deposit any funds, or make any trades during this time. I have never had a failed deposit to Robinhood, I've never traded on margin, and I've never had a negative balance. The funds were listed as withdrawable funds. I reached out to Robinhood about this on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and have received zero correspondence back as of XX/XX/XXXX. 

On XX/XX/XXXX, I initiated a full account ACATS transfer to XXXX XXXX. On XX/XX/XXXX, that transfer was rejected by Robinhood. According to XXXX XXXX, the reasoning was that there was a restriction on my Robinhood account, and that I needed to contact Robinhood support to lift this restriction. 

I've received zero communication from them via email, which is the only way to contact them as they have no support phone line. 

My funds and my holdings are fully restricted from leaving the Robinhood platform in any way for almost a full month now, and I have nobody to communicate with to fix this problem or receive any additional information about why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, I obtained a private student loan through Wells Fargo in XXXX, account number XXXX XXXX in the amount of {$8500.00}. In addition, I had a co-signer, XXXX XXXX. 

In XXXX I filed for bankruptcy and this loan was listed. My bankruptcy was granted. Somehow, the loan was put into XXXX 's name. XXXX was a senior citizen and I feel she was pressured with unethical collection tactics by Wells Fargo when they contacted her during my bankruptcy process. 

The student loan payments have been debited from my checking account for years despite the loan being discharged. Irrespective of that, Wells Fargo will not put the loan back in my name even though they are being paid by me. This is causing XXXX a significant amount of upset as a senior citizen. 

To date, I have paid well over {$19000.00} on this loan and possibly already paid in full. Yet, apparently there is {$5000.00} owed which if the loan is even valid is an incorrect amount since the total loan amount is {$21000.00}. 

I feel that Wells Fargo should have written off this loan due to my bankruptcy. I am requesting your assistance in having the remainder of this loan waived, or seek recovery for money paid from XXXX to the present. I am attaching the Wells Fargo file, and my latest payment to Wells Fargo from my XXXX  XXXX XXXX checking account. 

I appreciate your time and assistance. I hope you can help me and XXXX. 

Many thanks, 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 2021-02-17 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I was in the XXXX home during the time 's that they claimed these account were open. They all need to removed. The medical record violate my right i did not give consent for them to use this information. Once they gave this information to the their party threy broke the contract. None of this is mine nor have they proved it. all the old stuff need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Someone impersonating a Wells Fargo collection department is contacting us to collect {$36000.00} from XXXX XXXX XXXX. 
It looks to be one of our XXXX  XXXX XXXX  but we have not ordered anything in that amount and are up to date with our payments. 
Our company name is incorrect on the invoice and the number that says to call about your account is XXXX, XXXX XXXX XXXX Who looks to live in the XXXX via 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 2021-02-17 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
My records associated with the account SANTANDER CONSUMER USA with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to SANTANDER CONSUMER USA but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I had called this company when I noticed that my loan balance never changed and also that my credit report each month was reporting my payments. They stated they where reporting my information to the credit reporting agency each month. So I called them and I also pulled my report from each agency and it was not showing no update. I had to file a dispute to get my credit report updated. Now my report is back to how it was again where they have not reported payments and my balances and not changing since I last had made a dispute. I called them and they said they would look into it and get back with me. They never got back with me. I pay them every month on time and I should not have to ask them to report my updated balance and payments monthly. They should do this without being told to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I noticed 4 charges from Amazon that posted on my Chase credit card account that I did not make or authorize. The fraud charges totaled up to {$1100.00}. I called Amazon and verified that my credit card information was found on another customer 's account that turned out to be under my ex-roommate 's name. When I called Chase, the bank informed me that they had sent out an updated credit card with a tap feature in the mail, however I had never received the card in the mail and suspect it was stolen by my former roommate. I filed a police report and disputed the fraud charges with Chase. I provided Chase copies of my Amazon purchase history and the police report number. However, Chase denied my fraud dispute and did not provide a reason as to why as it was denied. Chase never informed me that they were sending me an updated card and I believe my rights as a consumer were not protected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Inc. has contacted me via telephone and contacted me via mail about a debt owed by another company not related to midland credit management Inc. There was no valid contract between me and Midland Credit Management Inc. They have not file suit in the state of Virginia in the XXXXXXXX XXXX XXXXXXXX, VA the amount of {$1000.00}. I wasn't properly served the Debt in Warrant paperwork and not being forced to go to court for a debt I do not owe to Midland Credit Management Inc. They are now reporting this information to all 3 credit bureaus and damaging my reputation and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: OK

Complaint narrative:
I was contacted by Receivable Solutions, Inc. in XXXX, SC about medical bills. I received my first statement XX/XX/2020 showing a balance of {$3400.00}. I made a payment of {$100.00} in XXXX, XXXX, XXXX, and XXXX of {$100.00} each month. The next statement I received was dated XX/XX/2020 with a balance of {$3000.00}. I sent a payment in XXXX of {$100.00} and received an XXXX statement with a balance again of {$3000.00}. The next statement was dated XX/XX/2020 with a balance of {$690.00}. I sent {$100.00} payments in XXXX, XXXX and XXXX. The payments in XXXX and XXXX were never deposited. They contacted me in XXXX and I asked them at that time for a printout showing the payments I had made and how they were applied. I have received nothing from them since. Today they called me and told me I needed to make payments. I told them I won't make another payment until I receive a statement of some kind and reminded them that my two payments were never deposited. The girl on the phone made excuses about how the mail has been unreliable because of the pandemic. This company has no website to check your balance. There's no way to make an online payment. I can make a payment over the phone with my debit card but get no receipt or statement to show the payment was made. I do not trust that this company is honest or legitimate. Their communication with me has been so erratic that I don't believe them to be a reliable business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have sent proof from creditors PayPal showing I never had a credit card with them. This was in the form of a letter the creditor seen me. They kept opening account after account now they have me in charge off on an account I never had. The cant produce an application for this account that is now illegal in charge off. The have no application with my signature showing I never opened account with them. The letter they send said I am not responsible for any account that it was fraudulently opened. They play around and lie. I have filed charges against them with the attorney general. They have ruined my credit the credit bureaus dont correct these illegal mistakes

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS is claiming that I owe them {$370.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from 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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NJ

Complaint narrative:
This company has repeatedly sent mail about an alleged bill that i do not owe, i sent in proof in writing that the debt was not mine. The company in turn sent me another alleged bill and added the account to my credit report as a collections account which severely damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive sent in XXXX letters to all three major credit bureaus about verification of debut on my credit report on XX/XX/2021. I also sent out a 30 days notice to these three bureaus without response and mailed out to you all the same information for proof. It is now XX/XX/2021 and still no response on the actual verification of debut for accounts on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. This for late Payments on XXXX XXXX XXXX XXXX, XXXX  has a false address on a account and claiming to be my debut, XXXX and also 3 false addresses and inquiries.

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 2021-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There were 3 new inquires on my credit report on XX/XX/21, none of which I recognize or applied for. These include Capital  one, XXXX and XXXX. I called XXXX  XXXX  XXXX  and altered them about these fraudulent claims and placed a fraud alert on my account. I will also be contacting the companies individually.

Company response to consumer: Closed with explanation