vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: FL

Complaint narrative:
Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
THIS WAS A RESULT OF IDENTITY THEFT, THIS ACCOUNT IS NOT MINES.

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 2019-09-18 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi, my TD bank debit was stole by someone on ATM machine about {$740.00}, when I received the fraud alert message from TD bank I press NO immediately and I called bank to stop my card and I went to local office next morning cause the money was stole by XXXX and I need at home to take care my baby. So morning time they told me this 2 transaction was pending and they cant do dispute now, so after couple days I went to bank again because the money was proved and was gone from my account. After 3 weeks I did not get my money back I did not get any notice from bank so I have to go to bank again, and this time they told me my request was deny because the stoler use my correct PIN number so they can not do anything for me. 

And also someone stole my information to apply for XXXX  XXXX credit card which I never apply for before, I call to cancel this card already but I dont want this will affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a single mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by 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 non-monetary relief
Consumer complaint received 2019-09-18 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX, I was contacted by the Citi fraud department because they detected fraudulent charges on my account. I reviewed all of the charges made that day and confirmed the charges they flagged were fraudulent, including : - XXXX, XXXX, for {$1300.00} - XXXX XXXX, XXXX, for {$1900.00} - XXXX XXXX, XXXX, for {$3200.00} - XXXX XXXX, XXXX, for {$3400.00} - XXXX XXXX XXXX, XXXX, for {$4200.00} They refunded the charges while they conducted an investigation. I had my credit card in my possession, so they cancelled the card and issued a new one. I talked to their fraud department two more times and answered all of their questions for the investigation. 

I didn't hear any updates until I saw the charges from XXXX, XXXX, XXXX XXXX and XXXX back on my XX/XX/XXXX statement ( attachment 1 ). I had been traveling for two months out of the country and have my account on auto-pay so hadn't really been watching closely. I called customer service to ask why those charges were back on my account. The customer service representative said they might have mailed something to me, so while on hold I checked my mail from Citi and found a letter from them saying they were not refunding the charges because I had the card in my possession ( attachment 2 ). 

When I was connected to the fraud department they reiterated the information in the letter. I told them that the charges were definitely fraudulent and reminded them that they were flagged by their own fraud department, and the representative said that she would reopen the case but that, " They likely won't refund the money since I had the card in my possession. '' This was very frustrating since it's more than {$12000.00} in fraudulent charges! I live in XXXX and the charges were made in the surrounding areas. I don't know if they have the timestamps for the other charges or if they have reached out to those vendors, but I also made charges in XXXX that morning on the same card. It's not possible to be two places at once. I also rent an apartment, and if they compared these charges to my usual activity they would see that I have no use for tens of thousands of dollars of building supplies. Oddly, they did find the charge from XXXX fraudulent and took that charge off my account. 

I filed a police report with the City of XXXX and the case number is XXXX ( attachment 3 ). 

I am hoping you can help. This is a very frustrating situation, and I am not confident that Citi is willing to help 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 monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
THIS WAS A RESULT OF IDENTITY THEFT, THIS ACCOUNT IS NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Monday XX/XX/19 I discovered that Capital One had made an unauthorized ACH withdrawal of {$5000.00} from my XXXX XXXX  checking account. 

I had previously used Capital One 's XXXX app to set up automatic payments of {$500.00} per month from my checking account ( which had functioned properly to execute a {$500.00} AutoPay withdrawal on XX/XX/19 ). However, when I checked the AutoPay settings after the {$5000.00} withdrawal, instead of being set for a " Fixed Amount '' payment of {$500.00}, it was set to pay the entire " Last Statement Balance. '' I NEVER SET AUTO PAY TO PAY THE " LAST STATEMENT BALANCE, '' nor would I ever do that because I had a balance of more than {$5000.00} and I generally don't have that much in the checking account the ACH was set up to draw from. 

I immediately called Capital One ( on XX/XX/19 ) to have the payment reversed and was told by a supervisor named " XXXX '' that he could not reverse the unauthorized withdrawal, nor could he do anything else to help me. I asked him to escalate the call to his supervisor and he told me that his supervisor does not take calls from customers. 

Even if I had made an error and somehow accidentally changed the AutoPay setting from " '' fixed amount '' to " last statement balance '' ( which is not what I believe occurred ), when I notified them immediately that I did not authorize a payment in that amount they should have reversed the transaction and, at most, charged a nominal transaction fee for the reversal. 

I have to believe that Capital One 's outright refusal to correct an unauthorized withdrawal from a customer 's checking account is prohibited by federal and/or state law, and refusing to allow customers to speak with anyone higher than a first-level supervisor is not only unconscionable but, from a customer relations standpoint, downright idiotic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a single mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by 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 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had cashiers checks stolen ( {$2800.00} ) and Chase is refusing to work with the perpetrators bank to reverse the charges and ignoring my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I have had one contact with an agent named XXXX from IQ data on Wednesday, XX/XX/XXXX at XXXX XXXX. XXXX requested to speak with two unknown individuals and I told her she had the wrong number. She then mentioned my daughter 's name and I continued with the call. She mentioned a {$550.00} debt of which I was unaware that was incurred upon move-out of an apartment by my daughter. When I indicated we would pay the debt, once we saw written correspondence, XXXX threatened credit reporting which would damage my credit if I did not pay mmediately while on the phone with her. She asked for my employer 's name, email and other private information. I indicated that based on receiving nothing in the mail from her company that I was not prepared to pay a stranger claiming to be a debt collector or to provide any additional information. She interrupted, rattling off numerous PII items relevant to my daughter, including her entire social security number, and saying that was proof of who she said she was. I asked for the bill to be mailed to the address she already had on file. She said she needed to email me the information in order for me to handle it immediately with her on the phone, and when I tried to respond that I would pay by mail, she repeatedly talked over and interrupted me in an aggressive and loud manner, repeating threats that my credit would be damaged if I did not pay immediately by phone and noting that she was only trying to help me. I asked for her to send the information by US mail, and after almost 7 minutes on the phone she indicated the item had been mailed, two days prior on XX/XX/XXXX. I said that was fine, and as it hadn't arrived, I would look for it and pay it when it arrived. She interrupted, again, repeatedly, continuing to demand payment immediately on the phone with her or my credit would be damaged and stating that there would be no way to have the report removed, causing permanent damage to my credit. At that point I told her to stop interrupting me - which she would not do - so, I asked to speak to a supervisor. After waiting approximately four minutes, she  came back to say the supervisor was not yet available. After another two, she  indicated that I could leave a voice mail or escalate to another type of area leader, which would require more time on hold. I indicated that I believed this was an extension of the harassing behavior, to prevent me from talking with a supervisor, and that I was making a complaint to the CFPB and discontinuing the conversation. She began threatening me with credit reporting again, and so I said " thank you '' and terminated the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today, I was at work when I got a phone call from a restricted number. The person left me a voicemail saying they are XXXX XXXX from XXXX serving me with legal court and criminal court documents tomorrow between XXXX and XXXX. I call the number they left on my voicemail and a guy by the name of XXXX told me I'm being sued by Fifth Third Bank. I have never had an account with that bank and have no knowledge or notice of being placed into collections by that bank. XXXX threatened me over the phone saying this will turn in to a warrant for my arrest and they are coming for me tomorrow. This has to be an act of fraud because I have never opened up a bank account with that bank however XXXX had all my information like my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am having an issue with Transunion. There website is completely misleading. It advises consumers that they have the ability to file a dispute and check the status of the dispute online which is inaccurate. I have tried several times over the course of many days and have been unsuccessful. If you go to their XXXX page you will see other comments from consumers stating the same thing. The company is well aware of the situation and is going nothing to correct this issue. I spoke to a supervisor yesterday from the company which confirmed he has heard complaints on this issue as well. If the company is not going to provide a functional website then it needs to be scrapped.

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 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC
State: NJ

Complaint narrative:
On XX/XX/19 at XXXX I received an automated call from XXXX stating " we have been attempting to reach you in regards to a legally required notice placed in our office for you. Please contact us back at XXXX. '' When I called back the person did not identify herself but the company name is Atlantic Recovery Services and stated that they were attempting to collect on a debt from XXXX on behalf of XXXX. I asked her to send me information regarding the debt she stated " it has gone past the notification process. '' I informed her that legally they need to send the information so that I can verify the debt but she continued to do so. At that point, I told her that if they were not going to follow the law that they should stop calling me. I don't know who XXXX is or why they would have another company calling to collect a debt that didn't originate with them. In XX/XX/XXXX I received a similar call from XXXX XXXX at XXXX saying that they were also calling on behalf of XXXX for a debt with XXXX. That time they also refused to send information on the debt and threatened to send a Sheriff 's officer to my home the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
On XX/XX/XXXX I notice in my billing that the Variable interest rate did not drop with the most recent fed rate drop. I reached out the the service providor asking about the loan inerest rate. Twice I was told within 10 minutes of my submission that they just service loan and was not able to help with inetrest rates. I am not asking them to drop the rate but I do expect them to inquire to the lender who is issuing the loan to verify the information they are charging. They don't care if you are over charged because they are going to make their money ethier way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
Rec 'd call from a Mr.XXXX twice now XXXX - approx 1 min. 
Tuesday XX/XX/XXXX - XXXX - Asking me to verify my birthdate - I explained I don't give out personal information over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with Credit Corp Solutions. XXXX - 1 min. 
Wednesday XX/XX/XXXX XXXX - Asked for my name/Acknowledged " XXXX ''... once again identified himself with security services - asked me to verify my birthdate - told him yesterday I don't give out personal information over the phone - asked again who he was with - he said XXXX XXXX - I said don't call me again - I'll contact you. Again identified himself as Mr.XX/XX/XXXX with Credit Corp Solutions. 

After my call to XX/XX/XXXX ( they represent XX/XX/XXXXand recorded conversation ), they explained they would never contact me requesting this sort of information. I called to speak with the Fraud Dept. so they have record of this misrepresentation of their company and services by Credit Corp Solutions. 

I then researched and found this link, verifying there have been multiple violations by this company... and so, now I'm reporting it to you. 
XX/XX/XXXX I have since blocked those numbers on my cellphone. 
Thanks for your assistance and your important work. 

Best Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: GA

Complaint narrative:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX/XXXX  XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Please remove these items from my credit.

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 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: WI

Complaint narrative:
On XX/XX/2019, looking on to my credit report using XXXX  XXXX XXXX, I noticed there was a charge from LJ ross associates for the amount of {$2400.00}. This was opened fraudulently, and placed on my credit XX/XX/2019. On XX/XX/XXXX i sent a letter to LJ ross indicating i never open an account with them or any company name XXXX. I also spoke with a representative from LJ ross, on XX/XX/2019 regarding these matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX ; XXXX XXXX  a guy called me telling me he is from Transworld System to collect a debt from XXXX XXXX. 

I was asked for personal information. 
I did not disclose because I do not know who this person is or if XXXX XXXX actually hired them. 

The guy started to get hostile and informed me that without my personal identification - he can not disclose any information even basic ones such as which location of XXXX. 

I asked him for XXXX  contact number so I can call and verify - he refused to give me and got more rude and hostile and said " I don't care - do whatever you want to do. '' He demanded information accusing me of have getting billing mail from XXXX XXXX. I advised I moved addresses this year. 
He did ask but demanded my home address. 

Once again I have declined because I do not know who he is and if indeed XXXX reached out to them and not familiar with nature of call. 

Right after within 5 minutes I kept getting the same call at work. 
This is form of bullying and harassment. 

I have every right not to disclose personal information such as date of birth and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: Colony Brands, Inc.
State: PA

Complaint narrative:
I'm having difficulty finding housing and an agent told me that having a Charge Off on my report is why. I assured him I havent any. Apparently, when I contacted Ginny 's Catalog in XX/XX/2017 and paid off my outstanding bill AFTER Ginny 's expressly assuring me that in exchange for settling the account, They'd remove it from my credit report. They lied, Its on all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I sent dispute letters to the bureaus and they stated the account was verified but never explain how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation