vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 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: GA

Complaint narrative:
Equifax reported two different bankruptcy. I disputed the two items and they were deleted on XX/XX/2018 and they turned right back around and put back on my credit report. They said they verified with the bankruptcy court but I have a letter from courts they do not verifty any information with credit bureau or third party companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America mistakenly billed me twice for monthly payment on my XXXX Visa XXXX card and I have not been able to reach them to remove the second duplicate charge. This was a significant amount of money that I no longer have access to. 

On XX/XX/XXXX, I my bank account was charged my normal autopay amount that paid off my credit card statement in full. On XX/XX/XXXX I was charged the exact same amount again. Bank of America does not offer chat or email customer support, so I called them on XX/XX/XXXX to have them reverse the charge. Bank of America was not able to do this and had me call a different line to speak to a department that covers the XXXX card. I called on XX/XX/XXXX and on XX/XX/XXXX, both times the hold time was over 1.5 hours, so I selected the option to receive a call back from their support. I never did.

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 2019-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/2018 I received a payment in the amount of {$2700.00} from XXXX XXXX XXXX XXXX Indiana from his personal Bank XXXX XXXX sent through PayPal as a personal payment PayPal transaction ID : XXXX. He Purchased a large Lot of remote control trucks and a large amount of brands new, used, and opened package parts for the trucks that shipped with the trucks. I shipped 2 very large packages via XXXX. Tracking numbers : XXXX, XXXX. Both of which were signed for by a XXXX as the tracking shows. Once XXXX received my items he then proceeded to go through his bank and file a fraud form stating he did not recognize the transaction and did not approve it. By signing this form his bank XXXX XXXX returned the {$2700.00} back to him taking it out of my PayPal account XXXX without my consent or even contacting me first to explain the transaction. So XXXX XXXX now has the {$2700.00} and my items. I then contacted his bank to inform them of this transaction and the proof for selling XXXX XXXX these items and receiving the payment sent by XXXX to my PayPal account as well as tracking numbers providing proof he signed for them himself and pictures he ent me stating he received the boxes. The Bank the. Told me by XXXX signing this fraud form due to their ACH rule they will take their customers word that they are telling the truth regardless of the evidence I have proving he has my items and my money. On XX/XX/XXXX Paypal withdrew {$2700.00} from my account without my knowledge or consent. And oddly enough my paypal account does not reflect this withdrawal of the {$2700.00} in my PAYPAL balance. Paypal owes me {$2700.00} to reimburse what they took.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: IL

Complaint narrative:
There are two collection accounts from XXXX and XXXX XXXX XXXX. XXXX has confirmed my account with them is in good standing and I have never used XXXX XXXX XXXX for anything. There is also a Minnesota address on my credit report, but I have never lived there or even been there in 20 years. Neither Transunion nor XXXX  will rwmove this fraudulent information.

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Unauthorized charges 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 TOTAL- {$660.00} Currency Conversion/Cross Border Fees included. This company has a record of the full amounts as I do. Sent my dispute They closed the case. Too many inconsistancies. I live on XXXX. Using my card, I'm required to use my pin. I faxed all my disputed charges to XXXX XXXX. XXXX was my person handling my dispute. When calling she did not exist. Yet she was the person who closed the case

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 2019-01-08 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: IL

Complaint narrative:
There are two collection accounts from XXXX and XXXX XXXX XXXX. XXXX has confirmed my account with them is in good standing and I have never used XXXX XXXX XXXX for anything. There is also a Minnesota address on my credit report, but I have never lived there or even been there in 20 years. Neither XXXX  nor Equifax will rwmove this fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo appears to have fraudulently manufactured my mothers loan Documents after the merger date of XX/XX/XXXX with XXXX XXXX. Page 1 at the bottom shows the date of XX/XX/XXXX, but the number 8 appears to be altered, with page 6 of the loan documents it's showing a date of XX/XX/XXXX at the bottom of the page and also the notary seal has been whited out. There's also a mark that appears to look like a period symbol on my mother 's living trust signature which was done inadvertently by her possibly touching the pinhead on the paper and leaving an ink mark, I believe the Wells Fargo note that was provided to me by Wells Fargo has that mark slightly higher and I have numerous signatures of my mother on various documents and checks none of them having that mark near the C, which leads me to believe the signature was traced from the living trust I provided Wells Fargo.Also, on XX/XX/XXXX. XXXX XXXX XXXX at the age of XXXX was given a pick a payment predatory loan which had a staggering aggregate principal balance secured by the deed of {$140000.00} which was 125 % of the original loan balance of {$110000.00}, for a XXXX-year-old woman on a fixed income. Current

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I was approved for the US Bank XXXX XXXX XXXX XXXX credit card. I applied for myself and several employee authorized users. 

However, I received a card for only myself ( -XXXX  ) and one employee ( -XXXX  ). 

I applied for additional employee cards because our company did not receive the original employee cards we applied for, the first time. We applied for our other employees this time, and they were all approved. These were accounts -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX statement, I received the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX  and -XXXX. 

On XX/XX/XXXX statement, I did not receive the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX, I reached out to US Bank to clarify but the response given by XXXX was that the {$200.00} bonus offer per card is only applicable to those given at signup. 

1 ) When I first applied, I had applied for several authorized user employee cards, not just for myself or for XXXX XXXX ( -XXXX  ). 

2 ) The terms and even the website ( https : //www.usbankedge.com/credit/business-edge-cash-rewards.do ) state that " Each card meeting the spend requirements will earn cash back. '' I met the spending requirements on each card within 90 days of account approval. 

I have had a good experience with US Bank and your customer service shows profound excellence of the bank, but this false advertisement of this card has been confusing and misleading.

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 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The medical collection was put on my report, erroneously. I have always disputed the information AND how can the collection agency verify the accuracy of the account without violating the HIPAA Privacy Act? Additionally, it appears to be listed as an " Unknown '' or " Unnamed '' collection on both my XXXX and XXXX report but the same amount and what seems to be the same account number shows up on my XXXX  report as Phoenix Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: CA

Complaint narrative:
This is the SEVENTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX  XXXX XXXX that all the other credit agencys deleted except for XXXX  XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 9 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time XXXX  XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
A collection amount of {$3800.00} has shown in my credit report when I reviewed my annual credit report with XXXX. The collection was from Diversified Consultant ( XXXX ) with the original creditor is XXXX. I'm confident that I've had an account with XXXX. I contacted both Diversified Consultant and XXXX but the issue was not resolve. I would like to ask for the support from Consumer Financial Protection Bureau as this issue will negatively affect my financial credit. 

Also, additional information, this is a repeat issue. It happened to me in XX/XX/2016. I called XXXX to report the issue and I never heard back from them. At that time, i thought it was resolve because it hasn't shown up in my account or I've never back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/19 i received a phone stateting i was being sued by debt owe 12 years ago. Which I dont recall ever heaving. They also call my work and family members. Not sure if they're Legit. Without me giving them my ssn number they had already told my what it was. According to them I owe {$790.00}. When i told why did this never show up in my credit report? I was told that whennit sold to a 3rd party i might not show. Im not sure if they are the real thing.

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This 3rd Party Collection is on my credit for an account I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems, a 3rd party collection agency with whom I have no contract with, is reporting erroneously on my credit report an unknown collection that i have no idea what it was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
An account was opened under my name and I believe a credit card was issued. It is reporting erroneously under my name and social. I have never applied for a card or received a card under my name from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XX/XX/2018, $ XXXX+ was taken out of my Bank of America checking account. That same week I called and complained about the money being taken out. The total came from two different areas, one in XXXX XXXX and one in XXXX XXXX. I was in XXXX XXXX for the weekend with my girlfriend for our anniversary. I even made a purchase in the XXXX XXXX ( about an hour from XXXX ) at XXXX XXXX. But that weekend I noticed that someone had purchased something at a Target in XXXX XXXX and at a XXXX XXXX in XXXX XXXX. I called and got credited all of my money back. 45 days later I got a letter in the mail saying they were taking back the {$390.00} and that the case was closed. I wondered why me? Why is my money being taken for no reason? I trust my bank to protect my money but even when it gets taken they cant give it back. I called multiple times and they would tell me that the purchases were made with a PIN number ( which nobody knows but me ) and that for that reason they can not give me my money back. I called a few more times, waiting hours on hold to talk to people who were rude and seemed like they didnt want to do their job, just for them to finally tell me to send a letter in the mail. So I sent a letter, kind of like this here, describing the situation. Around the beginning of XXXX I finally call again to check on the status of my claim. It had been over a month since I sent the letter, but they were still working on it. They told me to wait about a week or two and Id get a final response. Well, it has been over a month since I last called. Im a XXXX   XXXX trying to pay for school and other expenses while being taken advantage of by my bank. I dont know what more to do. Those {$390.00} could be used to pay for books or a meal plan so I wont starve this quarter.

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-08 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 — Was not notified of investigation status or results
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
Midwest Recovery placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to Midwest recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and XXXX. To date the debt has not been validated but still remains on my XXXX and XXXX credit report. Ive sent a second dispute letter and XXXX  was the only agency to remove the debt because it couldnt be validated. Midwest has not responded to three request to validate and XXXX  and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from Equifax XXXX and XXXX. To date the debt has not been validated but still remains on my equifax and XXXX  credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and equifax and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and Experian. To date the debt has not been validated but still remains on my XXXX  and experian credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and XXXX and experian have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: AP

Complaint narrative:
ACS was the servicer for my student loans and I had set up automatic payments. Payments stopped being taken out and I was either provided with no assistance or my calls were not answered. I have not been able to find out the status of my loans or reach ACS. My credit score is now negative because of ACS mismanagement of payments.

Company response to consumer: Closed with explanation