vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On todays day of XX/XX/XXXX, at approximately XXXX CST XXXX a man named XXXX XXXX called my niece in Pennsylvania and advised her that he was calling about my XXXX XXXX XXXX and I had until noon EST today or I would have my rights forfeited. First of all, I have no idea how this man located any information about my family. He discussed my personal information with my niece under false pretenses. My car account is in good standing with my car loan company. The name of his company is XXXX, XXXX XXXX. The number he gave was XXXX Ext XXXX. I called him at approximately XXXX CST and he wanted my birthday and I refused. I told him he had no right to call my niece about my car. He said he was recording the phone call and I advised him that I was recording as well. He hung up on me. At approximately XXXX CST, I called back. He answered the call and I asked for a manager. He put XXXX XXXX on the phone. She repeatedly argued, lied and refused to give clear information about this supposedly payday loan in my name from Ace Cash Express. She said I could pay her company or it would stay on my credit report. I asked her what credit report and she couldnt say. We argued about calling my niece, violating my rights and for threatening unlawful actions. I told her to cease and desist immediately. She said I would have to write a letter. She also said that I would have to find out about this balance of {$1500.00} that I owe. I asked her how did she get my name, etc. and she said from a third party. I asked her if her company was a debt collection company and she said no. She said my employer was XXXX XXXX. Thats a lie. I havent worked from XXXX due to a XXXX. I asked her for the physical address of her company and she gave me an address in XXXX XXXX, FL. I told her that her company violated the Fair Debt Collection Practices Act and I was going to report them. I told her that I was recording the call. She hung up on me. Her company has violated my rights under the FDCPA and FCRA. I want them out of business for unlawful practices. They lie and harass the consumers. If there are any consequences for their actions, please pursue it to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I opened a new American Express account in late XXXX I requested a balance transfer and got a letter dated XX/XX/XXXX that the transfer was approved for {$5000.00} to XXXX XXXX. I do not have a gulf oil account. 
I asked for the transfer to a different account that did not happen Ive called weekly since then and matter is still not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a paycheck that didnt have the signature from employer by accident the bank didnt notice and cleared the check, when they saw there was no signature they took the money back out of the account and it returned to normal balance. They claim they gave me a {$530.00} credit for check which is false because my account balance returned to normal after they took the {$530.00} back, they then claimed I overdrew at XXXX  but my account is set up for no overdraft protection so it would have been declined. Then they asked me when I was issued credit, I told them thats why Im calling because I never received a credit nor did i need one. Then they told me they're system shows different then what I can see on my transaction history and I am actually negative {$530.00} because of a system that they can see and I cant. That is no way to do business or help someone keep track of they're balance to have a different system that only they can see and not you Ive never heard anything like this in my life. I just want the money returned so I can have my account back to normal and no fees incurred because of they're negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
i am trying to protect myself from fraud i received XXXX XXXX card i did not apply for from bank of america I can't get through cs i am setting here wasting another day trying TO REACH THE BRANCH OF BANK OF AMERICA THAT ISSUES THESE XXXX XXXX CARDS TO EMPLOYERS AND I CAN NOT GET THROUGH. I CALLED MY CREDIT CARD AND THEY WOULD NOT HELP ME BECAUSE I DO NOT HAVE THE SAME # I HAD A YEAR AGO SO THEY CAN VERIFY THAT IT IS ME. THIS XXXX COMPANY OF XXXX WILL NOT HELP ME PROTECT MYSELF FROM FRAUD. SO I AM i am FILING THIS COMPLAINT. I GAVE THEM 4 FORMER ADDRESSES MY SS # MY DOB AND THESE DEMONS OF XXXX PUT ME ON HOLD BECAUSE I GOT ENRAGED. then I CALLED BACK WAITED FOR 20 MINUTES GOT A supervisor WHO gave me the # to money network from metabank SHE TRANSFERRED ME AND THEY HUNG UP ON ME I CALL BACK AND WAIT 30 MINUTES FOR THEM TO TELL ME THIS WAS ISSUED BY XXXX  PERSONNEL FROM WHEN I SIGNED UP 4 OR MORE YEARS AGO. THEY ASKED THIS COMPANY TO SEND ME A NEW CARD WITHOUT EVEN TELLING ME. NOW I WASTED DAYS JUST TRYING TO FIND OUT WHO THIS WAS WHEN ALL BANK OF AMERICA HAD TO DO WAS LET ME KNOW WHO IT WAS THE FIRST TIME I CALLED. BUT NO DEMONS WANT TO ENRAGE US AND PLAY WITH US. BUT XXXX XXXX IS MY DEFENDER AND YOUR GOING TO DRINK THE CUP OF EVIL YOU KEEP GIVING 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 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
To whom it may concern, I pulled my credit report and found this account with your companys information on my file : Account Name ENHANCED RECOVERY CO L Account Number XXXX This account does not belong to me and I need it to be removed off of my credit report ASAP. According to the FCRA Section 605 ( b ), any fraudulent accounts that are on my credit report must be removed off of there within 4 business days. I have also attached my identity theft report as well. Please resolve this issue in a timely matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT THE BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: OR

Complaint narrative:
THERE ARE TWO SPECIFIC ACCOUNTS THAT NEGATIVELY REMAIN ON MY CREDIT REPORTS, NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THE ITEMS. I HAVE ATTEMPTING TO DISPUTE THE FOLLOWING ACCOUNTS NUMEROUS TIMES : XXXX XXXX ( XXXX ), & UNKNOWN MEDICAL ( XXXX ). NOTHING HAS BEEN DONE ABOUT THIS MATTER AND IT'S GETTING TO THE POINT WHERE IT'S FRUSTRATING. PLEASE HAVE THE BUREAUS REMOVE THESE ACCOUNTS ASAP. THEY'RE NEITHER VERIFIABLE, ACCURATE, NOR COMPLETE ( FCRA ), AND I DEMAND FOR THESE ITEMS TO BE REMOVED IMMEDIATELY. THEY DO NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I was not aware of this account under my name, which I never opened, this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a complaint against Best Buy /CBNA. Ive called them several times and have been unsuccessful in reaching a resolution about settling a debt. Ive waited over a month for a response and have received nothing. When I call the reps, they give me the run around and ultimately are not able to help me. 

In addition to phone calls, Ive also sent out a letter to the creditor asking to settle the debt and again, no responses from either company. I have home ownership goals and needs that require my credit to be clear of any debts. Im willing to pay any monies owed and need to get this resolved ASAP. It is urgent that this matter is tended to immediately. 

Once paid, I would like to get any negative credit reporting and history from Best Buy removed from my credit report entirely. 

Please contact me ASAP regarding this matter. 

Thank You, -- 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 2020-06-08 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: NC

Complaint narrative:
I reached out to Equifax and revealed my complaint about not having this vehicle. I requested them to prove the signatures on the contract loan if any. I also see that the company has shifted to another company by the name of XXXX XXXX. I need this item removed from my report immediately. I have included the letter with all the necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I have made two payments on my USAA credit cards. 
The two payments were completed on XX/XX/200 and the amounts were respectively : {$960.00} payment for one USAA credit card {$960.00} payment for the second USAA credit card. 

Both payments were processed by UNFCU card ( please refer to attachment ) on XX/XX/2020 The {$960.00} payment was received and processed by USAA on XX/XX/2020. 
The {$960.00} payment was NEVER processed by USAA. 

I called USAA o Saturday XX/XX/2020 and explain the above cited concern that I have made two credit card payments on XX/XX/2020 and only one payment has been processed and the second payment was not. 
The person at USAA stated that I need to wait up to 10 business days for my payment to be processed. 
Well, it seem to me that USAA is holding the funds for no reason. 

Why the first payment was processed and the second one was not? 
Please refer to attachments. 

Now the USAA credit card payment due date is approaching on XX/XX/2020 and if USAA does nor process the payment, then I must pay the credit card one again on XX/XX/2020. 

I would appreciate receiving your assistance in contacting USAA and request them to process the payment and stop holding the funds. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: NY

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I signed a contract with XXXX XXXX XXXX XXXX. The contract was dated XXXX XX/XX/XXXX. It provided for a one-year term expiring on XXXX XX/XX/XXXX. The contract provided for auto-renewal on a month-to-month basis after XX/XX/XXXX. During the initial term, I paid the contractual amount each month. After the initial term ended, I allowed the contract to auto-renew monthly for four months, during which time I paid my membership fees on time. 

In XX/XX/XXXX, I provided written notice of termination of the contract pursuant to the Membership Agreement. On XXXX XX/XX/XXXX, I paid the final installment of the membership dues. Subsequently, I canceled the credit card that was previously used to auto-pay the account. 

Without my knowledge, XXXX continued attempting to bill me for my membership despite the expiration of my one-year term and my written cancellation of the monthly contract. They sent me to collections for {$150.00} despite a monthly payment of {$19.00}. 

Aldous and Associates is attempting to collect the debt on their behalf. No one has ever sent me any documentation to support the debt. I never received communication from anyone about it. The only reason I know about it is from my XXXX  report. On XX/XX/XXXX, I sent them a letter asking to see their documentation supporting the legitimacy of the debt. I also offered to pay {$100.00} in exchange for deleting the information from my credit report and discontinuing any attempt to collect it. 

Aldous and Associates refused to produce documentation of the alleged debt when I requested it of them. They declined my settlement offer, saying they would only accept the full amount, and would only report to XXXX  that the debt was " paid in full '' if I paid them. Neither XXXX nor Aldous has obtained the judgment of any court compelling me to pay this amount. I do not owe it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and XXXX inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( XXXX  ) twice by certified mail & US Dept of Educ as directed by all three credit agencies XXXX TransUnion & XXXX but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
To whom it may concern, I've attempted to dispute a collections account on my credit report from Account Services. I never received notification of this collections account until I submitted a dispute through XXXX. When I received the letter from Account Services it provided a website to pay the debt however, this website does not exist. The following message is received when attempting to visit the website " XXXX server IP address could not be found. ". I've attempted to call the number provided on the letter and was sent to a voicemail in which I left a message and have not received a callback. It is unprofessional and ridiculous to provide a false website in your companies letters to consumers and then not return phone calls. I'm in the process of purchasing a home and was attempting to get this resolved ASAP however, Account Services has made this difficult. A business should proof read their customer letters, ensure they're providing correct and accurate information and have someone actually answer calls. I can't even resolve the account because the website provided on the letter is fake. I've been misled. I demand this collection 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 2020-06-08 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: TN

Complaint narrative:
THESE ACCOUNTS SHOWED UP ON MY CREDIT REPORT I NEVER KNEW ABOUT THESE ACCOUNTS THEY ARE NOT MY ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX reported an account that does not belong to me on my personal report. Consumer ID XXXX TD BANK XXXX XXXX XXXX XXXX, ME XXXX Date of Reporting XX/XX/2016 Acct # XXXX charge off amount {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
Good afternoon! 


SUBJECT : FOLLOW UP COMPLAINT # XXXX BANCO POPULAR OF PUERTO RICO DEPARTMENT OF CREDIT CARDS VISA ICON, ACCOUNT # XXXX XXXX XXXX XXXX As I informed you in the complaint mentioned above, I called Banco Popular Dept .  Credit Cards for the first time on Tuesday, XX/XX/XXXX due to that I couldn't access my account through the computer since XXXX. On that day I spoke with Mr. XXXX XXXX, credit cards supervisor, ( telephone number XXXX XXXX XXXX XXXX ext. XXXX ) and he informed me that he didn't know the reason why I couldn't access my account. He also informed me that the card had be frozen due to a charge made by XXXX XXXX on Wednesday, XX/XX/XXXX in the amount of {$680.00}. I explained to Mr. XXXX that I did not recognize the company nor the amount and that I was objecting the charge ( complaint # XXXX ) because I couldn't access my account through the Internet or through the customer service department. 

I searched on the internet the regulation the FDIC implements in regards to responding a complaint and their regulation states that the banks have 60 days to respond. I have tried to establish an effective communication through two complaints, speaking to XXXX XXXX in the collection department and, with customer service through phone calls to solve this issue with no results. ( SEE ATTACHED DOCUMENTS ) I also have tried to get in contact with the XXXX XXXX  but there is no such company and Banco Popular already knew that. 

It has been 160 days since the first claim and I have not received any type of notification to eliminate said charge and correct the Credit Score. This is adversely affecting my credit score and my image because on Monday, XX/XX/XXXX I went to an Auto Dealership to buy a car and I couldn't because I was informed that I had a Fraud Alert and a delay in payment on a Credit Card that affected significantly my Credit Score. Obviously, I could not get the car.

Company response to consumer: Closed with explanation