vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has stated through their research in case # XXXX that my accounts ending in XXXX ( checking ) and XXXX ( savings ) were closed due to two checks totalling {$200.00} and {$200.00}, respectively on XX/XX/2018. Bank of America included a copy of both checks issued from a company called XXXX XXXX XXXX. 
I have never done business with this company nor do the endorsement signatures match my signature. The bank has examples of my signature and should be able to compare ( Please see attached checks ). 
Typically, according to bank policy, I have up to 60 days to notify the bank of any errors once I receive my bank statement. I notified the bank in a timely manner before filing a complaint with the OCC stating that my account was closed due to these checks which I did not have any knowledge of being deposited. 
Bank of America has stated in its correspondence dated XX/XX/2018 that this constitutes " unsatisfactory handling '', and has reported to XXXX  and XXXX XXXXXXXX XXXX, damaging my credit worthiness. Throughout my time with the bank, I have transacted thousands in business, therefore this decision was not properly handled. 

I ask that accordance with Fair Credit Reporting and FACT Act that these accounts be removed from my consumer reports, as I have notified the bank that my identity has been compromised and any unfair reporting is a direct violation of my civil rights.

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 2018-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have unauthorized transactions on my bank account that was made through PayPal, while I was away my PayPal account have been hacked with someone making unauthorized transactions to different merchants. This was reported to my bank and PayPal on about XX/XX/XXXX transactions from five different merchants have been ordered however I never got merchandise or was any merchandise left at my home front. No one signed for any packages that was delivered to my house so I told PayPal about my account they opened claimed and sent to me tracking from the merchant but no signature just said delivered left on steps. However no one was home my neighbor kids said they didnt see anything items my regular mail was still in my mailbox but no packages were there. If I didnt sign for no delivery Im not responsible for the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
i have been a cuistomer here a good one for years 2 accounts. no problems til now on XXXX  i treated family and a friend to outback in XXXX XXXX out of XXXX got sick from XXXX XXXX. i did call restaurant although i was travelling and busy. no response. this bank has the audacity to tell me i consumed the food and thus have no recourse. how riidiculous is this. how would i know it would be bad? i have never heard such an excuse before and i have been victim of XXXX XXXX before. 
i want my money back i did call restaurant and email the company no response. i expect 40 out of 53 refunded asap how dare you. this is my jet blue card. in their answers they tell me dispute is closed. any other bank would have fought it and or refunded me. I will not let this go and know its wrong. I am being punished for us getting sick and i wont allow it.

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 2018-07-06 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: Mar Joe Enterprises
State: TN

Complaint narrative:
XXXX XXXX XXXX, aka XXXX, XXXX in XXXX, TN has reported 10 new collection accounts on my credit report. The account ( s ) and amounts are as follows : Account number XXXX Amounts : {$270.00}, {$210.00}, {$210.00}, {$110.00}, {$120.00}, {$160.00}, {$240.00}, {$210.00}, {$110.00}, {$91.00} all to XXXX XXXX XXXX XXXX. 

I have not been to a XXXX XXXX XXXX XXXX facility in over 3 years. 
I became XXXX in XX/XX/XXXX and had XXXX XXXX since XX/XX/XXXX and got full Medicaid/Medicare 1 year later and what is suspicious is all of my accounts with XXXX, XXXX were scheduled to fall off my reports the end of this year, or the first part of XX/XX/XXXX. 

I believe : 1. They have reaged this accounts to keep them on my report longer, as they didn't show up on my credit reports until this month, but they ( XXXX, XXXX ) state they " opened '' the account back in XX/XX/XXXX. 
OR 2. These accounts DON'T belong to me. 
OR 3. I am a victim of fraud/identity theft. 

I want validation of these debts to prove they are mine, but I know they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
gla amount {$37.00}, they kept calling me suppose a bill from XXXX XXXX that was years ago i never got a bill they wanted the money over the phone i ask them to sent me a bill a and they refused, i called XXXX XXXX also asking for a bill and they said they didn't have one to give i have been harrassed with numerous phone call all i ask them to send me a bill that has impacted my credit score i went through XXXX they kept sending me email it would be another month, i check it again it was close with no information, please can you help me to have this taken off my credit score, or just have them to send me a bill.i told them what would they do if someone you never heard of calls wanting money over the phone and nobody will give you a bill it feels like a scan to me.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit One LLC
State: FL

Complaint narrative:
On XX/XX/2018 I receive a bill in a letter form CREDITONE L.L.C. informing me of a debt on the amount of {$10000.00} I disputed this debt immediately by calling the Creditone LLC Manager Mr. XXXX XXXX at XXXX and notifying him so. Actually, I left a message on te answering machine informing him about my denial of such debt, which was registered by their Creditone File No : XXXX Their address is : Creditone LLC, XXXX XXXX, XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am including a copy of each judgment that was ruled in my favor.

FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : XXXX XXXX # XXXX**** I XXXX  AS ASSIGNEE OF XXXX XXXX Defendant : XXXX XXXX XXXX AKA XXXX XXXX Attorney for Plaintiff : JXXXX XXXX XXXX.

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX., IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX. CERTIFICATEOF MAILING FILED.

XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUM MONS ISSUED.

XX/XX/XXXX SUM MONS FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: AL

Complaint narrative:
This company is a unlicensed loan lender in my state. From XXXX I have borrowed {$2100.00} and have paid back {$2400.00}. I have over payed them {$310.00} in fees and interest. I have emailed them asking for a refund in the amount of {$310.00}. They claim I still owe them an additional {$1300.00}. I also told them in my state since they aren't licensed I owe only the principal amount. I have paid the principal and asked them to consider my account paid in full. I want a refund in the amount of {$310.00} sent to me by paper check and for my account to be marked paid in full. In my state if a company isn't licensed they can't charge fees or interest. They claim to be exempt from the law, they are a native american tribal lending company. I have revocated automatic achieve authorizations and wage assignment 's from them also.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Additionally, I noted that my credit report is adversely reflecting the following accounts : FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : CAVALRY PORTFOLIO SPV : # XXXX**** I LLC AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX XXXX

Defendant : XXXX XXXX XXXX   AKA XXXX XXXX Attorney for Plaintiff : XXXX XXXX XXXX  

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX, IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX   CERTIFICATEOF MAILING FILED.XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUMMONS ISSUED.

XX/XX/XXXX SUMMONS FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a Health Savings Account ( HSA ) for my family with XXXX. The contribution limit for year 2018 is {$6900.00}. My employer contributes {$1500.00} per year to this account in $ XXXX   monthly payments, allowing me to contribute a maximum of {$5400.00} per year. I inadvertently forgot to stop my payroll deductions for my account once I hit the {$5400.00} limit, so I requested that {$810.00} in excess contributions for the year 2018 be withdrawn from my account in a form I mailed to XXXX  in the week of XX/XX/2018. At the time I had submitted that letter, the combined contributions between my employer and myself was {$6800.00}, which is under the {$6900.00} contribution limit. 

On XX/XX/2018, XXXX issued an excess distribution of {$1300.00} instead of the {$810.00} I had requested. I contacted XXXX  through their web chat twice to notify them that I believe there was an error : since my account had never exceeded the contribution limit for 2018, there should not have been any earnings removed from my account ; furthermore, even if there had been an excess contribution, there is no way that {$810.00} would have earned {$520.00} in the two weeks it was in an account that pays 0.05 % interest per year. I was told that I would be sent a worksheet explaining the calculations. I have attached a worksheet I downloaded directly from XXXX that includes all transactions for the account and corroborates my account. 

I called XXXX again on XX/XX/2018 and spoke to a customer service representative named XXXX. I reiterated my concerns and told her that I had yet to get the worksheet with the calculations for their distribution. She told me that they would email the worksheet. That has also not happened. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her 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 2018-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXXXXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXXXXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her 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 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America charged placed two charges on my account for overdraft fees, {$35.00} each the posted date is XX/XX/18. Yesterday morning I received notification that my available balance was below {$25.00}, subsequently I deposited {$540.00} in cash at XXXX. This deposit posted to the account immediately as it was cash, and before the XXXX cut-off for same day posting. This morning, XX/XX/18, I called customer service and spoke with XXXX after noticing I was charged two overdrafts fees that caused my account balance to become negative. XXXX maintained that I was being charged the overdraft fees for items that posted to my account yesterday, however, my deposit posted yesterday was well. Which would have kept my account from being negative at the end of the bank 's business day, the point at which overdraft fees are charged. One overdraft fees was refunded, but the other is still on my account despite my account never posting in a negative status.

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 2018-07-06 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: NY

Complaint narrative:
In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Equifax. Equifax responded by deleting 3 of the 4 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CIS DIRECT LENDING
State: AL

Complaint narrative:
XXXX XXXX XXXX  WAS A THIRD PARTY DEBT COLLECTOR TO LOAN NUMBER XXXX. THEY DID NOT PROVIDE ME WITH A WRITTEN NOTICE BY CERTIFIED MAIL SAYING I HAVE THE RIGHT UNDER THE FDCPA TO DISPUTE THE DEBT WITHIN THIRTY DAYS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to Honda. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted Honda and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by Honda Financial Services and within all honesty at our time of life the prospect of being bound to Honda Financial Services for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that Honda was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
When I started the process things started off great, but as the process continued the communication was inconsistent with Equity Prime Mortgage. I would submit paperwork in a timely fashion and would not get a reaponse back or they would say they never received certain paperwork then they would search for it and say it was mixed up with other paperwork. We were suppose to close on the XX/XX/2018 and I did a final walk thru with the builder and heard nothing from Equity Prime until I showed up to the title office to sign the paperwork were the title officer informed me to call Equity Prime. Then I was told I needed more paperwork. At this time I already hired movers and gave my former landlord the date I was leaving XXXX XXXX to XXXX. With this whole miscomunication my family is stuck in a hotel for a week because now I have to delay delivery of my furniture to find a back up or rental property. This has caused unnecessary stress to my kids and my XXXX  wife.

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