vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA/Compass Bank Checking Account XXXX Fraud Management Department Phone ( XXXX ) XXXX option 2 My checking account was compromised in a fraud attempt on XX/XX/2020. Money was transferred into my account via ACH in the amount of {$7400.00}. 

There was a beginning balance BEFORE the inbound ACH of {$200.00}, which brought the ending balance to {$7600.00}. 

{$2500.00} was withdrawn from the account via check on XX/XX/2020. 

The account was frozen pending investigation on/around XX/XX/XXXX. At this time, my son and I were threatened with bodily harm by the scammers until they gave up. 

There was some communication between myself and the bank 's XXXX  Fraud Management Department, along with a few attempts to RETURN the {$2500.00}. This was successfully done on XX/XX/2020, bringing the balance back to {$7600.00} ( the balance AFTER the ACH posted ). 

On XX/XX/2020, the bank sent the ENTIRE BALANCE, INCLUDING MY {$200.00} via ACH to the original sender of the {$7400.00}. 

I can not find a viable mailing address on the BBVAUSA.com website and calling them goes nowhere. 

Now I get the runaround -- on the rare occasion I actually get ahold of someone in the department. 

This morning ( XXXX XXXX, 2020 ) the rep in XXXX Fraud Management Department informed me that I relinquished the money because I had cashed a check for {$2500.00} ( XX/XX/2020 ), completely ignoring the fact that a. ) the entire {$2500.00} was RETURNED and b. ) the amount they sent was MORE than was RECEIVED by the sender! 

XXXX Fraud Department then provided me with the Dispute Department ( XXXX ) as the only option. I called, spoke with one person and was transferred to another person, who then transferred me BACK to XXXX Fraud Management. There, I ( again ) toiled on hold until I could not wait any longer. 

This is easy accounting! I am filing a complaint because the fraudulent amount was {$7400.00} and they should and sent back {$7400.00}, NOT {$7600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
For the month of XX/XX/2020 They said I was 30 days past due and has caused my credit score to plummet!!!!!!! 
I have NEVER!!! been late!!!!!!! I have proof of sending and them receiving on time!!! 
I have faxed this to them twice! This all started when I started a refi! My note was sold this XXXX and ever since I was introduced to this company I have never liked them. They do NOT know what they are doing and they miss handle my money. That is why I am trying to refi my mortgage!!!!!! I need them to take it off all credit bureaus!!! For this is FRAUD!!! 
I have sent them my bank statements showing money was sent to them and my statements from them showing they received it ON TIME! ( TWICE ) But they refuse to fix the HUGE issue with fixing it with the credit bureaus!!!! Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Chex Systems , Inc. RE : XXXX XXXX XXXX XXXX . I have a check that was deposited in XX/XX/2019 for {$9500.00} .The check was held for over a week and cleared my account then in XXXX it was said to be a duplicated deposit?? I do not know what that is and how do I check and see if someone has done something to my account? How can a check be deposited twice?? It was deposited at a different branch in the XXXX XXXX XXXX branch. My account is XXXX checking. I have already sent a dispute over a year ago with no response or follow up!!

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 2020-10-23 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: CBC Companies, Inc.
State: TX

Complaint narrative:
remove the address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: TX

Complaint narrative:
remove the address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX, TX, 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 2020-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received my US Bank Relia Card with my unemployment money on it. Then about a month ago There were 4 XXXX XXXX ( {$220.00}, {$100.00}, {$60.00} & {$39.00} ) charges made to my card the I did not authorize. ( I do not use XXXX XXXX, XXXX XXXX, or XXXX XXXX ) They were made in California and I live in Pennsylvania. I immediately called Relia Card and spoke to XXXX & she said this was huge doing to PA people 's cards they would open a dispute and send me out paperwork to fill out to get it resolved and I had to pay {$15.00} to get my card over night to me. I filled out the paperwork & faxed it right in. The money was then returned to my account. The day after getting the new card again someone charged a XXXX XXXX in California for {$55.00}. Again I called and this time I explained what happened and was told a new card would come out to me. I asked to speak to a supervisor in the fraud dept and was on hold for over 2 hours not speaking to anyone so I hung up. I had not even authorized that new card yet. This afternoon I went onto the account to check about a charge and found again that someone had charged a XXXX XXXX from California for {$46.00}. Also the charge for the {$55.00} was taken off my account activity listing but not back into my account. Infact the account is missing, {$0.00}. Again I called and again Relia Card speaking to XXXX who said I would have to have a new card sent out to me again but before that he wanted me to speak to the fraud dept and placed me on hold ( 2 hours again ) to get to the fraud dept with no one answering so I hung up. I am getting tired of this.

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 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have opened a checking and savings account with UMB on XX/XX/2020. The accounts were opened successfully and was able to manage my account online. 

But within a couple of weeks, my accounts got locked and I'm no longer able to access my accounts or funds. The bank even rejected transfers when I transferred money leading to locks on my accounts at other bank as well. 

Since then I have been trying to have this resolved and gain access back and it has been already more than a month. Every time I call in they transfer to different persons or ask me to call a different number. They keep me on hold and come back only to say that the person who would look into this issue is not available and promises to call me back. But I never get any call. This is really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
My wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.

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 2020-10-23 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: NV

Complaint narrative:
I have multiple accounts on my credit report that do not belong to me. I filed a police report, an identity theft report, and disputed them with all the credit bureaus. Some have been removed but the bankruptcy, an account with XXXX XXXX XXXX, and an account with XXXX XXXX none of which belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
City Bank - Costco Visa card XXXX City Bank - Homedepot {$4900.00} XXXX XXXX XXXX {$8700.00} I registered for Covid assistant to skip a payment. I am one of the employee who got furloughed due to COVID-19 back in XXXX from XXXX XXXX XXXX XXXX. 
I Am taking money out from my XXXX so I can pay off this 3 agencies. I requested a extension because it takes 30 to 45 days to get the founds and it got denied. By my surprise is that they have been charging me late fee and reporting late payment every month to the tree credits bureau on all this months and that have brought my accounts to the limit where they have treated me to close my accounts. 
Bad credit is giving me a super hard time to get a place to live that I can afford my self and my XXXX sons. I am really struggling at the moment trying to get a solution and thats why I am doing this complaint and I beg you to please 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 explanation
Consumer complaint received 2020-10-23 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: SC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. 
IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.

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 2020-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TCF NATIONAL BANK
State: WA

Complaint narrative:
Hello, I am writing today because I'm experiencing great challenges in making my payments with TCF bank. I have made payments in the past through their website but then their parent company changed, they changed my account number and I can no longer log in online. I have tried to contact customer service on multiple occasions and have never gotten to the point where I could speak to a person after waiting on hold for over 30 minutes each time before giving up. 

I have made my payments through my Bank 's bill pay system, the first month my payment was received just fine, the second month, I received a statement saying that no payment has been made and now I can not get a hold of the company or check my online account to verify that my payments are being received although the money is leaving my checking account. 

I appreciate any assistance that you could provide with this matter. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
My wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.

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 2020-10-23 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: NV

Complaint narrative:
My wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Greetings, I  XXXX XXXX XXXX, come with peace regarding Account number : XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. PORTFOLIO RECOVERY ASSOCIATES, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor. PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XX/XX/XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XX/XX/XXXXRecorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts PORTFOLIO RECOVERY ASSOCIATES, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
Received a letter from Collection Department ( XXXX ) XXXX, XXXX XXXX XXXX : Account Number XXXX Current Balance {$120.00} Payment Due {$35.00} Dear XXXX XXXX We are writing you about your monthly credit card Payment Goes on to say its past due, phone XXXX to talk about payment First Bankcard I do not owe this. I have never had a First Bankcard. I called the REAL First National Bank of Omaha Bankcard They have no record of this account XXXX They have no XXXX XXXX XXXX They have no phone number XXXX They thanked me for bringing this scam to their attention I imagine some scammer sent out thousands of letters like this figuring since its a small amount a lot of people would just go ahead and pay it The real FirstBankcard said to ignore this I am reporting it to the FTC So you can be aware of it and possibly find out who is sending these scam letters out Many people may fall for it There are new scams all the time This is a new one for me I have no overdue credit cards & a high credit score so I knew right away it was a scam The real phone number for the real First National Bank of Omaha is 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 2020-10-23 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: OH

Complaint narrative:
XXXX XXXX  , Inc. RE : XXXX XXXX XXXX XXXX . I have a check that was deposited in XX/XX/2019 for {$9500.00} .The check was held for over a week and cleared my account then in XXXX it was said to be a duplicated deposit?? I do not know what that is and how do I check and see if someone has done something to my account? How can a check be deposited twice?? It was deposited at a different branch in the XXXX XXXX XXXX branch. My account is XXXX checking. I have already sent a dispute over a year ago with no response or follow up!!

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 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: NJ

Complaint narrative:
I recently had received a late fee charge because this company only allows you to pay through bill pay through your bank so when it tried to take the money I didnt have it in there so I was charged double from my bank a late fee and return fee and on this credit card the same thing happened ( return fee and late fee ). Im on unemployment and been trying to make mends meet so I called to see if I can have the late fee removed and not let it be shown late. She said no and still charged me an outrageous {$29.00} and {$40.00} fee with no consideration or relief. The company already makes it hard to even pay your bill on time and have it programmed this way so you always fail. Once I pay back I hope I get my FULL REFUND of {$500.00} since it was a secure card and thats all my money to begin with. Otherwise Ill be back on here again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I checked my credit report today and there was a major derogatory account noted in the amount of XXXX $ to a Consumer Adjustment Co. and it says its for XXXX XXXX XXXX it says the account  was opened on XX/XX/2020, i have not had any interaction with opening any account for medical services on this date and have no idea what this is, I tried calling the number for the CONSUMER ADJUSTMENT CO, and got a voice mail ; their info is CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This hit my credit score and brought it down 60 points and is not even mine!! please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I want to sue Bank of America since because of them I was defrauded. 
3 days ago I sold a trailer to a guy that sent me a check, I cash out that check in my account and later on we decided not to do the operation. So he asked me to send him the money back and I did it through XXXX in 2 transfers. Those transfers were on hold by Bofa until I called them. I talked to their FRAUD DEPARTMENT and they double check if the check had funds before approving the transfers. The lady, dont remember her name but have to be the recording available, told me that everything was ok and that she was gon na approve the transfer. That was yesterday.

Today at noon, they took back the money from the check and Bofa doesnt want to be responsible for anything, since, if they would told me that the check can be reverse until 30 days and they can not guarantee the funds then I shouldnt send the money back to the guy.
And now im seeing that that scam is the first one on the list. So, how is possible a person that suppose to know more than anyone about scam was unable to think that was a scam? Was the point to have a bank account if they can't take care of my money?

Oh, today I was trying to make the report to them for HOURS by phone and I even went to the Bank Baranch and they were totally useless.

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 2020-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: CA

Complaint narrative:
The company Chime denied me for an account and refuses to tell me why. They will not respond to my inquiries.

Company response to consumer: Closed with explanation