vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
Hello, This week, i have been challenged by USAA to provide my income level, and my total net worth, and asked if I am a member of a foreign army or government. 

They veil this as " US Patriot Act '' and its the law. The US PATRIOT act doesn't call out anything about personal income, nor Net worth. Especially due to the fact that I've been banking with them for four decades, how would I be under this " alleged '' scrutiny anyway being a natural born citizen.

They threaten that if in the 3 logins allowed, now they have provided this web pop up stating that I will lose all my online access to my accounts unless I comply. It's a 100 % online banking entity. This is essentially stealing my money by disallowing me access, to the money I rightfully earned and own. 

Please help. They have a recent and even extended history of bullying and forcing their patrons into positions of financial disadvantage, and even illegal activity. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NV

Complaint narrative:
These are not my accounts or addresses listed on file. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NV

Complaint narrative:
These are not my accounts or addresses listed on file. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
1. Received an offer from American Express for XXXX MR pts offered in two tranches : First by spending {$5000.00}, I could receive XXXX pts and then by spending another {$5000.00}, I could receive another XXXX pts. 
2. Clicked through the email offer in XX/XX/2019 but the offer link from the email took me to a page that wouldn't load ( just plain white ) 3. I called in to Amex customer service hotline to inquire about this offer. The associate told me that even though she was not able to view the offer on the website that she sees the email has been sent to me in the past and they would honor the offer. 
4. The associate signed me up for the Amex Business Platinum Card with another offer but said she would put in my customer notes that she has  promised me that I would receive the offer I had through email. 
5. After hitting the spend threshold for both tranches I have yet to receive the XXXX for the second tranch. 
6. Called in over 5 times to Amex customer service and had 2 " investigations '' done yielding no results. I was apparently contacted by Amex but I did not receive a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I tried to connect my PNC account with my XXXX account and it won't connect. I tried contacting my bank but they said they could help me. I have several friends and relatives who also want to use that service with their PNC account and they are having issues too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I invest on an application called XXXX. Is to invest in my future and if you're not aware of the application it links directly to our banking accounts. The application automatically rounds up total spent from your banking account to the nearest dollar. Essentially collecting the change until it reaches a total of {$5.00}. It then withdrawals to {$5.00} and invest for you. It is simply a very convenient way to save money. There has been an issue between the application because PNC is causing issues with them which is costing me money because I'm no longer investing. I feel this is my account and if I want to give access to the XXXX application, which I've dealt with for many years, that's my choice. I am asking you to please speed up the process so I can begin in my investments again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: GA

Complaint narrative:
We closed a refinance on our primary home mortgage with Wyndham capital mortgage on XX/XX/XXXX. {$260000.00} + was wired on XX/XX/XXXX to refi into a conforming product with Wyndham capital. Refinance was to have funded on XX/XX/XXXX per the closing documents. As of today XX/XX/XXXX our existing Jumbo mortgage with XXXX XXXX  XXXX has not been paid off. Wyndham capital has held our funds for seven days and has failed to fulfill the term of the signed closing documents. They are unscrupulous and owe us interest for holding our funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/2020 I spoke with someone at EOS and I informed them that I knew nothing about this alleged account but wanted to get over and done with it. After further review I have found out that this account was a result of identity theft. I did not open or authorize this account, and I request that it be closed and immediately removed from my credit file from all there credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
For a few months, I have been receiving mail stating that I owe money for a few tests that I got done a while ago at a private clinic. The debt amount is {$92.00}. I have already contacted my clinic and they confirmed that I had made my full payment. My bill had come out to around {$700.00} and I paid the full thing in CASH. The total includes the tests for me and my XXXX daughters. One of them is XXXX and is also receiving mail from a whole different company asking for nearly {$400.00}. I have already paid for everything over 6 months ago. I have asked for a Debt Validation Letter from the collection company. Now they are saying that they will report it to the Credit Bureau which is not fair.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX    XXXX, XXXX with a balance of {$150.00} -This is not my account.

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 2020-06-26 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: WA

Complaint narrative:
Chase Sapphire Reserve Credit card fraud detected on card in XX/XX/XXXX for various charges, including one for 'XXXX ' of {$19.00}. Credit card was closed and new card was issued. Fraud charges in XXXX were confirmed fraudulent, no issues. A few months later fraud charges start again on the new card for 'XXXX ' and XXXXXXXXXXXX  ', and appear to be a reoccurring charge by those websites. I have never had an account or purchased any goods or services from either site, however, those charges at the end of XXXX, and into early XXXX continued without my knowledge or consent. I have now learned that Chase will allow charges to a closed account if it falls within a certain timeframe for reoccurring charges, and is communicating the new card info to the service making the charge ( perpetuating charges from a fraudulent service ). This is marketed as a feature to help ease transition to a new card, but in fact it enables fraudsters to take advantage of this 'feature ', now at my expense. Several charges from XXXX hit in the month of XX/XX/XXXX, which then caught my eye when reviewing the account, and I reported the fraud, including the backdated fraud charges. Card was cancelled, new card was issued in XX/XX/XXXX, and fraud charges were removed from my account. The chase fraud department sent a letter in XX/XX/XXXX that I received a benefit from all of these transactions, that I was liable for them because of that, and all charges were readded to my account. Several attempts to contact Chase Fraud dept. have failed, no response, and customer service reps are unable to action anything as the Fraud dept owns this. Chase is falsely advertising the CSR card benefit of 'Zero Liability Protection '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My husband and I have been with Chase bank a few years. I admit we have had some overdrafts but when my husband lost his job and we longer had his direct deposits things crumbled before we knew it we probably owed hundreds if not thousands in overdraft fees. To top it off when we got our stimulus it put our account in the positive because we had around {$900.00} overdrawn. Then they credited us {$700.00} but then took it out again a month later. We did not receive any letter or correspondence on what we get were doing. Thankfully we didnt overdraft again but i promise you that was there plan. I do not remember signing anything to opt in to overdraft protection. Please take a look into this no telling how much money they have made of of us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXXBank of America has overdrawn my checking/savings for {$800000.00} Made call to bank was told to go to bank. Bank closest to my home is closed from pandemic. For health reasons I can not travel further away.

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 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: HI

Complaint narrative:
I was not aware of this debt until a credit report was ran in order to get a mortgage. I have never received a phone call or mail about this debt. I called the company and when they asked for my information phone number, etc. they stated that was the phone number they had on file, but that in their system it was marked as disconnected. I have had the same phone number for over 10 years. I was not able to verify what the debt was for. I asked to speak with a manger to get more information And resolve this matter if possible and was told that they dont do that and if I wanted to file a dispute it would have to be through email. 
I have NOT received any communication from Real Time Resolutions until I called them about this. My credit report is showing over a year+ of late payments to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: COMMERCE BANK
State: IL

Complaint narrative:
Commerce Bank lowered my credit limit thereby causing my credit score to drop & hurt my credit during COVID time. I have had perfect on-time payment with them, and all other lenders. No missed payment ever, no red accounts on the credit report ever, yet Commerce Bank decided its okay to hurt someone's credit in times of hardship. No other bank has done this, in fact other lenders reduced my APR to help in these hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
The collection agency, Midland Credit Management, has called me numerous of times during odd hours of the day and night threatening to sue me and have police come to my home to arrest me and/or shoot me for a fraudulent credit card. When I did talk to them a few times, I express to them that the credit card was a fraudulent account. They would not believe me, calling me foul names and using explicit language over the phone. They called me a fraud because I didn't pay the credit card bill. Of course I'm not going to pay on a fraudulent credit card bill. I do not have a written contract with a wet ink signature saying that I owe or agree to pay Midland Credit Management for a fraudulent credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
CAPITAL ONE BANK USA had a credit card open with out my knowledge. I have disputed multiple times with XXXX, XXXX  and XXXX, all times said verify, i ask multiple for the to provide proof of ownership and they never send me any proof. 
. 

Account has number XXXX Open XX/XX/2017Last paid closed XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: The Bureaus, Inc.
State: PR

Complaint narrative:
The Bureaus, Inc. appear in my credit report as a debt collector of a debt that I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is in Violation of the Fair Credit Reporting Act. I demand the XXXX XXXX XXXX account report paid in full with a XXXX  balance. 

The Final and last notice, I will send to TransUnion regarding this matter XXXX University  has provided email, and a letterhead letter debt paid in full with a XXXX  balance. 

Please see XXXX XXXX XXXX responding to Consumer Financial Bureau they will report account paid in full with XXXX balance. 

I have reported this account numerous account must report paid in full XXXX  balance. The notification was sent to all three bureaus. Please see the attached receipt, email, 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 2020-06-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NY

Complaint narrative:
I paid of the balance on a XXXX card in two payments. On XX/XX/2020 I made a payment of {$120.00} and on XX/XX/2020 another payment of {$130.00}. Which results in a XXXX   balance. I checked my credit report and transunion is reporting a balance of {$250.00}. I contacted XXXX XXXX  XXXX and was informed they reported the new account balance to the three credit bureaus. I then called transunion to dispute the information. I just checked my credit report to see the update and it says transunion investigated but didn't make any changes.

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 2020-06-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Aqua Finance, Inc.
State: TX

Complaint narrative:
Aqua Finance open an account in my name without my consent using false information. I never authorized Aqua Finance to pull my credit nor did I sign a contract. The information listed on the contract is not correct. They listed my military rank and salary wrong on the application and I never signed the contract. I have reached out to them on several occasions to have this information remove off my credit report. I contact a XXXX XXXX on XX/XX/XXXX about my credit been pulled and she couldn't locate my account but told me to call XXXX Ext XXXX. I was told if I filed a police report this would remove the account off my report. I filed a police report Case # XXXX and sent this information over and the report is still showing on my credit causing my score to decrease. The electronic signature was not done by me and I never spoke with a representative or the person listed XXXX XXXX, about pulling my credit or trying to establish credit for me. I have been working on my credit and I wouldn't allow someone to pull just my credit. On the contract XXXX XXXX listed my military rank as an XXXX XXXX  and I'm an XXXX XXXX  He listed my gross salary at {$5000.00} which is also incorrect. I would never claim to be of rank that I haven't earned in the military that's a frown on my Integrity. Also, I joined the military XX/XX/XXXX and XXXX XXXX show on this contract that I've served for 18 years. XXXX XXXX listed my husband as Retired military and gross salary XXXX. My husband has never served in the military. He's received SSI monthly. On the contract he listed him as XXXX XXXX XXXX and my husband doesn't have a middle initial. All this Information is incorrect and XXXX XXXX never spoke with me about my military career, salary or if he was authorized to pull my credit. The signature on the contract wasn't signed by me and I had no knowledge of this account until I received an alert that my credit was pulled.

Company response to consumer: Closed with explanation