vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: AL

Complaint narrative:
I have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, XXXX, and XXXX breach.

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 2020-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A fund trasnfer was made via XXXX via Bank of America to the following CONFIRMED XXXX account : XXXX. 

Upon sending the money, the recipient disappeared and never send the item. 
After 6 hours missing, I decided to report the fraudulent transaction to Bank of America and was advised that BOA does not guarantee the fund can be recovered. 

How can this type of platform is allowed to function within the bank application? 

I would like BOA to recover the fund and return back the money to my account as courtesy. 

Thank You, 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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting fraudulent accounts that were a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).

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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
I'm on XXXX with XXXX  XXXX and XXXX XXXX for low income. 
SCA collections {$1500.00} XXXX XXXX XXXX XXXX # XXXX I don't owe anything XXXX XXXX XXXX XXXX 
{$350.00} XXXX 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 explanation
Consumer complaint received 2020-04-03 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: PA

Complaint narrative:
Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX  data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

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 2020-04-03 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: GA

Complaint narrative:
Trans Union is reporting a fraudulent account that was a result of identity theft. This fraudulent account is continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).

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 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: MD

Complaint narrative:
Provide Company a letter to remove me from any collections as bills is not mind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: PA

Complaint narrative:
Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX  data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dealt with Experian in XX/XX/2020. On XX/XX/2020 I ordered all three scores and reports from all credit agencies for XXXX. On XX/XX/XXXX I was charged again a XXXX recurring monthly membership fee. I already have XXXX, and did not order a monthly membership. I canceled the membership on XX/XX/2020, and spoke to XXXX, then XXXX. I then receive an email saying that because I canceled my membership, that my credit report is now UNLOCKED. I believe this is unethical and illegal. I have had all 3 credit reports LOCKED at all three agencies as I have previously been a victim of Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
PROFESSIONAL DEBT MEDIATION is reporting a fraudulent account that was a result of identity theft. This fraudulent account is continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Credit Acceptance Corporation is reporting a balance of {$6100.00} to the credit bureau and collection agency for my repossessed XXXX XXXX XXXX, which had several recalls. 
I made XXXX  payments of {$310.00} equalling :. {$5200.00} Down payment : {$600.00} auction sale {$4600.00} Fee. 
Warranty. {$1500.00} {$150.00} Totaling : {$11000.00} XXXX XXXX sold the XXXX XXXX for {$10000.00} after downpaynent. 
XXXX  credited my account for {$1200.00} service warranty fee. 
Total finance by XXXX  was {$12000.00}, not {$12000.00} as XXXX  stated to the credit bureaus. 
XXXX  states that the deficiency balance is {$6100.00}. 
XX/XX/XXXX payment failed XXXX  system. 
I had sufficient funds in my bank accountbto cover XXXX payment. 
My XXXX XXXX XXXX was repossessed : XX/XX/XXXX or before. 
With " Not one missed payment ''

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 2020-04-03 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:
I noticed a withdrawal for almost {$500.00} from my bank account ( not a Capital One bank account ). The withdrawal was made by Capital One Credit Card. Neither my wife nor I ( the only two owners on our  bank account ) has or have ever had a Capital One credit card. This is a fraudulent charge. I contacted my bank, and they were able to credit back my bank account and change my account number, as the account information appeared to have been compromised. I called Capital One, as I would like to know the name of the individual or entity whose credit card bill was paid with this fraudulent withdrawal from my bank account. I could not get through to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
5th3rd is refusing to correct a payment that was misapplied to my loan in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the FCRA the credit bureaus supposed to report 100 % accurate and verified information on consumers credit reports. XXXX  removed this item XXXX XXXX XXXX XXXX off my credit report but XXXX  and Equifax kept it. I demand that they provide a METHOD OF VERIFICATION or DELETE it off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Look XXXX  Keeps Dropping My Bank Accounts For XXXX XXXX, and XXXX  XXXX since XXXX, not getting any credit boost for paying self reporting accounts!!!!!! " keep getting errors when trying to connect financial institutions!!!!!

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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
I'm on XXXX with XXXX  XXXX and XXXX XXXX for low income. XXXX XXXX  {$1500.00} XXXX XXXX XXXX Acc # XXXX Medicredit , Inc. {$350.00} XXXX/XXXX  XXXX, XXXX  Acc # 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 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Capital One, I am member since XXXX and I am maintain my capital one account good standing. 
I paid of my account last month full and they have a interest fees on my account {$23.00} I called XX/XX/XXXX XXXX PST your called center and answered Mrs.XXXX  ( Employer ID # XXXX ) asking please waiver that fees and they she treated me very unprofessionally and refused to waive that fees. 
I asked to transfer supervisor and she said she the one big head of this department and she refused to transfer manager as well. I am so angry and I paid {$23.00}. 
I just wanted to tell your management not a good way to handle customer service like that. 
This is a complain about bad customer service experience about Mrs.XXXX. 
I felt discrimination due my talking ascent. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On XX/XX/2019 I called Wells Fargo to verify that I was would receive the said bonus, the representative informed me that I would receive it if I meet the terms. I reached that objective, and called Wells Fargo on XXXX XXXX to inquire about when I would receive the {$400.00} bonus. The customer service rep I spoke to said he did not know what bonus I was referring to. I escalated the situation to the customer service department, they informed me that they do see where I spoke to a representative on XX/XX/2019 but do not see a record of a bonus. Wells Fargo informed me that they will open an investigation, they are giving me the run around about the bonus, and are not meeting their end of the deal/ online advertisement.

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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had to use the credit card to Pay XXXX XXXX and found out they had billed through XXXX and XXXX XXXX. 
So I didn't pay them off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the FCRA the credit bureaus supposed to report 100 % accurate and verified information on consumers credit reports. XXXX  removed this item XXXX XXXX XXXX XXXXXXXX off my credit report but Experian and XXXX  kept it. I demand that they provide a METHOD OF VERIFICATION or DELETE it off my credit report immediately.

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 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Provide Company a letter to remove me from any collections as bills is not mind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: TX

Complaint narrative:
Due to the impact of the COVID-19 virus situation, I called two companies, XXXX XXXX and American Education Services today ( XX/XX/2020 ) to seek forbearance for three months on my student loans payments. The service representatives, in each case, told me that the forbearance will be decided upon later and they will let me know the status but the interests on the loans will continue to accrue during the period of forbearance in case they are even approved. 

I feel that these two companies are heartless ones who don't have the needs of the American citizens at heart but are only interested in their profits no matter what is going within the lives of the citizenry and should be called to order asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a Citibank credit card customer ( almost exclusively ) for 28.5 years. I asked them to change my credit card from the XXXX XXXX Platinum card ( I'm no longer a fan of XXXX XXXX ) to a normal, cash-back card. However, they CLOSED my account of 28.5 years and opened a NEW account ( no credit history ) which immediately caused my credit score to drop from XXXX ( excellent ) down to XXXX ( 40 points ) while I am getting approved for a $ XXXX refi of mortgages. Because of the credit score change, this will translate to about $ XXXX/month in ADDITIONAL cost to me. I contacted them to explain the situation and re-open the account. They told me there was a process to re-open ( including a credit check ) and I told them NOT to check my credit again ( as it will drop further ) and they agreed not to. I was talking to " XXXX '' a supervisor in Arizona. When we discussed the situation in detail, he actually explained to me that it was a BANKING mistake ( not a customer mistake ) and because of that, they WILL NOT check my credit. AGAIN, XXXX, A SUPERVISOR SAID THIS WAS A BANKING MISTAKE. NOT MINE. He said he will submit the request to re-open the account and I should hear in 24-48 hours. However, the next morning, I was notified that Citi DID check my credit!!! I have followed up by phone, chat an even in person at a Citi branch ( spoke to the Branch Manager for over an hour ... and she had customer service on the phone ) and all I have been told is to " wait '' to see if they will re-open the account. No one can provide ANY answer or update. They just say I have to wait ( even though I was told 24-48 hours, weeks ago ). WEEKS later ( even though I have emailed and called almost daily ) I got a form letter that said they won't re-open my account. No explanation. No discussion or human interaction. Just a form letter " decline '' after 28.5 years and THEIR mistake. Now, I have to rebuild my credit ( and not be able to refi a $ XXXX mortgage because it now doesn't make sense ) because of THEIR mistake. Now, due to coronavirus response ( which is, of course, a priority ) I can't get ANYONE to even answer the phone.

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 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : CHOICE RECOVERY # XXXX, CHOICE RECOVERY # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020 i used the Fulton Bank Et al ATM on the outside of the XXXX XXXX MD Branch on XXXX XXXX XXXX. I deposited {$140.00} in cash utilizing an machine which is/was the EXACTLY Antiquated ATM machines which permit deposits of checks/cash, yet these types of machines DO NOT PERMIT a customer to deposit all CASH EXACTLY LIKE I DID & have the entire deposit of CASH available same day. After learning on XX/XX/2020 any deposit CASH OR CHECK only {$100.00} is available IMMEDIATELY! When the USA Government gave The XXXX XXXX  ET AL of Maryland PERMISSION TO MERGE WITH FULTON BANK ET AL they neglected many things which caused me after the merger 10 plus days to check a bill pay ck deposited from a bank literally across the streetbut other people did not have the same lengthy deposit time -ONLY ME!! Now they refuse to RETURN THE {$39.00} nsf fee the assessed my account ending XXXX, even after i requested 3 XXXX  times. I am on XXXX ( NOT A MILLIONAIRE ) -i need every dollar to pay my bills. I have spent hours on the phone explaining all items they never fixed prior to the merger with one if their executives who said he appreciated my in a telephone conversation, yet blatantly refused to acknowledge same in writing-which makes him of poor quality character! Obviously i can clearly tell an executive what & how to fix the issues from a horrific merger which was authorized without properly ensuring customers did not feel/experience the BRUNT of the merger- yet i can not have a teeny tiny {$39.00} nsf fee refunded with apology. Today XX/XX/2020 i drove up to same antiquated ATM at same branch location which now DENIES ME THE ABILITY TO DEPOSIT FUNDS! Wonderful way to show ALL customers are VALUED!! I want all these issues fixed plus i deserve interest on my nsf fee up to date it is actually refunded back to my account. That is only fair & just, since i tried to fix it from XX/XX/2020TO NO AVAIL!!

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