vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 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: NY

Complaint narrative:
Back on XX/XX/19 Barclays XXXX  Business Credit Card, was transferred two payment of {$2000.00} and {$4000.00} dollars. This wire transfer was from our credit union. This payment was sent in error and a stop payment was placed by us at the  Credit Union involved. 
We paid our credit card balance off online from our checking account and sent to credit card company. Our balance was now {$0.00}. 
On XX/XX/19 Barclays added the {$2000.00} return stop charge back to our account. 
To date, after speaking to several Customer Service Employees, Supervisors and Managers, nothing has been corrected. They added a {$2000.00} amount in error to our credit card bill, with no explanation why and will not remove it. Customer Service Reps will not give us their names or Supervisor/Corporate names or phone numbers. They disconnect us and or transfer us back to Customer Service Dept., just to start entire complaint process again. 
These monies were transferred to them then a stop return was issued. Barclays statement shows stopped funds, but yet they added {$2000.00} to our balance, out of nowhere, with no explanation. They told us to give them time and has been 10 weeks, When we call them, they ask to give them more time to clear this problem up. Nobody has called us back or attempted to radify error.

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 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I received a debt collection account on my credit report. I never received any notice that this account would be reported as collection. I never received a phone call.I never received the option to dispute. I never received any written or verbal information from this collection agency. Furthermore, this account from the original creditor, has been paid in full.

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
It is impossible to enact a credit freeze on the Experian website. Myself, along with four other individuals I have spoken to, have all gone through the online form were denied and asked to mail in the documentation. 

On top of that, there's no easy way to access the freeze form on the Experian website. It's hidden behind the advertisements for XXXX, a paid service that is basically a credit freeze. 

Experian is purposefully making it difficult to get a credit freeze in order to promote their paid XXXX  service.

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 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
XXXX XXXX and their collection agency, RMS, have sent multiple demands for repayment of monies properly paid to us for consumer healthcare services. They have ignored our multiple written demands that they validate this debt and explain why they think payment is owed. Please see the attached document, which is my most recent letter as well as previous correspondence. Thank you.

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 2020-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I secured this loan while enrolled full-time as an XXXX at the University of XXXX, and I have been enrolled full-time since then. I am currently enrolled in graduate school, and I will complete school in XX/XX/XXXX. 
I have continuously received harassing phone calls and letters about repayment, despite the terms of the loan stating repayment will be deferred until I am out of school - there is also supposed to be a 6-month grace period upon graduation. Wells Fargo has inappropriately caused my and my mothers credit to be harmed. 
I called Wells Fargo on XX/XX/XXXX to inquire further, once I saw that it had been reported as a debt in collections. The representative I spoke to said she had access to every academic term I had ever been enrolled, and she assured me that it was their mistake, and they would correct it. 
However, I just received a letter dated XX/XX/XXXX that they noticed I was no longer enrolled in school as of a date that hasnt occurred yet ( XX/XX/XXXX ). The letter also says that my repayment start date is XX/XX/XXXX, which is more than a month before I will complete my degree. This was an issue I was assured would not occur again on my call on XX/XX/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 2020-01-02 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: PNC Bank N.A.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I sent a check to PNC Bank bank to pay off part of the balance on my PNC Premier Traveler Visa credit card. The check that I sent was in the amount of {$490.00}. On XX/XX/XXXX my account was erroneously credited with a payment of {$95.00}. At no point have I ever sent a payment in the amount of {$95.00}. And I have confirmed that my check of {$490.00} was deposited by PNC Bank ( I have included a copy of the cancelled check ). They clearly deposited my check, but credited my account with the wrong amount. 

On XX/XX/XXXX I contacted PNC about the issue of the wrong amount being credited to my account. They opened a case for me ( Reference # XXXX ) and sent it to the Retail Escalation Team. I have since been in contact with this team numerous times including : XX/XX/XXXX - I received a call from the Escalation Team and explained the issue. They said they would try to look up the check internally, but it would be helpful if I could send a copy. On the same day, I faxed a copy of the cancelled check to XXXX XXXX from the Escalation Team. 

XX/XX/XXXX - I called PNC again to follow up and see if their was a resolution. After spending 1 hour on hold trying to get through to the Escalation team, I gave up. 

XX/XX/XXXX - I called the Escalation team again. I was told that XXXX XXXX had the fax, but I needed to wait for someone to review/approve it. 

XX/XX/XXXX - I received a voicemail from XXXX XXXX, but it did not include any information about a resolution to this situation. I attempted to return his call on XX/XX/XXXX, but there was no answer and I left a message. I called again on XX/XX/XXXX and again there was no answer and I left a message. 

It is now nearly a month since they received my original payment, and they still have not fixed the problem. In the meantime, my credit card bill was due on XX/XX/XXXX and I was forced to pay an additional {$400.00} to make sure they did not start charging me interest. While I understand that occassionally mistakes happen, I have given PNC Bank ample opportunity to fix this issue and they continue to drag their feet while I am out an extra {$400.00} due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FULTON FINANCIAL CORPORATION
State: DE

Complaint narrative:
I held a joint checking account with my father, after his passing in XX/XX/XXXX, I went to Fulton Bank, XXXX XXXX, XXXX XXXX, XXXX, DE XX/XX/XXXX and presented a short certificate, death certificate and other required identification to have him removed from the account - transaction removing deceased signer. On XX/XX/XXXX, I was told the account was transferred to my name and I was the only person to have access to it. Seven months later, I came to find out that someone else had been going into the account and checking balances and watching activity. When I found out, I contacted the banks customer service line. After being transferred to online access, I was informed that while I was the only person with access to the account, the online access to the account was not shut down, hence leaving it open to anyone who had access prior to my father 's passing. My personal non public information was violated.

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 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I previously disputed any amount owed due to XXXX XXXX attempts to charge me for things that were not valid, many things I had reported in my initial walk through. I also disputed owing anything to FABCO because I never signed any contract to do business with them. I asked several times for them to produce this information and they failed. I called to notify them that I filled for bankruptcy and they put the debt on my credit report as if it were a new debt. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Attention : Wakefield & Associates reported me to the credit bureaus and the medical had been paid 6 months ago. 

This medical bill was paid to XXXX XXXX, after XXXX paid their share leaving a balance of XXXX. The bill was paid entirely XX/XX/XXXX. I was instructed by XXXX to pay my share of the bill, only after they paid theirs. 

I received my portion of the bill and paid it within 30 days, after I received my portion of the bill. XX/XX/XXXX. 

XXXX  emailed Wakefield & Associates, that the bill had been paid in XX/XX/XXXX. This could have been devastating if I were refinancing my home. 

When I contacted Wakefield and Associates, I was treated like a criminal and harassed because they made a mistake. They lowered my credit rating by 40 points causing a very high interest rates. 

All of the staff at Wakefield and Assc, should take courses on communication. I would highly recommend XXXX XXXX XXXX course in XX/XX/XXXX, in XXXX XXXX or a XXXX XXXX course. 

As always, the Golden Rule applies : Luke 10:27 - " ... Love your neighbor as yourself ... '' Sincerely, Reverend XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I do not identify with this debt please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: WA

Complaint narrative:
Do to multiple situational challenges it was requested to consolidate certain loans to move out of the situation. US Bank XXXX XXXX XXXX XXXX XXXX WA described the denial due to underwriting choosing one of their contracted credit reporting agencies which had the lowest score. In other words discrimination specifically by choices they choose for who reports your credit. Not all three only one of the three. The bank Manager XXXX confirmed this as well as the loan intake individual XXXX XXXX. Dates initial intake of which I have no idea what was put into the application as I was not given a copy of the application even though I was in person XX/XX/2019. Denial XX/XX/XXXX, but informed am of XX/XX/2019. First conversation was with XXXX on XX/XX/2019 and second conversation was with XXXX on XX/XX/2019.

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 2020-01-02 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: FL

Complaint narrative:
XXXX XXXX XXXX was paid and closed in XX/XX/XXXX. This was included in the Chapter XXXX wage earner payment Plan. The loan was paid and closed. This is still being reported as Negative in XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX  Account is shown as charged off with a past due amount of {$3900.00}. and a late payment. this account was included in Chapter XXXX bankruptcy  XX/XX/XXXX and converted to Chapter XXXX in XX/XX/XXXX and was discharged in XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX XXXX XXXX is incorrectly statused as past due in excess of 120 days. This account was never late and could not have been late XXXX and XX/XX/XXXX as this was included in chapter XXXX Bankruptcy  XX/XX/XXXX. Converted to Chapter XXXX, XX/XX/XXXX and later Discharged XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX XXXX XXXX XXXX   opened XX/XX/XXXX. Should not have been reported negative XXXX and XX/XX/XXXX, and XX/XX/XXXX as this was included in Chapter XXXX Bankruptcy XX/XX/XXXX. Converted to Chapter XXXX, XX/XX/XXXX and later Discharged XX/XX/XXXX. PLEASE DELETE OR CORRECT There are 6 enquiries on my report that were not done by me. These were fraudulently done without my permission. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I do not identify with this debt please delete

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 2020-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Infinity Holding Corporation
State: OR

Complaint narrative:
I continue to get more than 3 calls a day from their office trying to collect the debt. They continue to call and purposely irritate me on the phone. 

Told me Maybe, you should pay your bill, without asking if I was the person they were calling for!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WA

Complaint narrative:
Multi-faceted bank errors. Recent audit of accounts and transactions found closed account balances transferred to wrong account and cents missing from one account to the other, charges a XXXX off as more money taken than the receipts, cashing wage checks having money deposited back to business account when should have been deposited in personal accounts, business revenue deposited in personal accounts by bank employees causing accounting and audit trail problems, bankers filling in account numbers and using the incorrect accounts, bankers performing transactions without authorization of the account holder or holders, processing checks or convoluting the transaction of the check cashing process, redacting information on deposit slips and just too many similar items to list.

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 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXXand the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that these accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: CA

Complaint narrative:
The collection account from XXXX XXXX XXXX with amount of {$290.00} on my Experian credit report does not belong to me. Verified via multiple sources, it rather belongs to a person with same last name, similar first name, different date of birth and social security number, who happened to have lived in the same apartment community as I did. 

I disputed this account at Experian but they listed this person 's name and address as one of mine and indicated this collection is " verified as accurate '' as the result of this dispute. 

I also tried to contact XXXX XXXX XXXX. I don't have any account on their record but they refused to offer any help correcting the false report, instead their customer representatives tried multiple times to trick or mislead me to admit I owe the money and make a payment. 

Attached proof from the original creditor showing me having XXXX balance with them.

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 2020-01-03 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
In XXXX of XXXX, I was involved in an auto accident and the insurance company paid off the balance of the car. I believed that I was finished at this point. However, Honda also contacted me with a remaining balance in XX/XX/XXXX which was promptly paid off. Here 's where things get confusing. In XXXX of XXXX, Honda reported that an account has been charged off with a balance of XXXX, four years after the account was already paid in full. I have a perfect credit history and this is the only negative thing that was reported and prevented me from getting a loan. I called Honda on XX/XX/XXXX speaking to XXXX XXXX and here is what he claimed. He said that the insurance did not cover everything after the accident and that there was a remaining balance. Honda allegedly sent out 1 ( yes only 1 ) letter stating the remaining balance owed in XXXX of XXXX. They have refused to provide a copy of this letter. They also said they made several phone calls but no one answered. Again they refuse to provide any record of these calls. They claim that they will have to be subpoenaed through the court. It makes no sense that an account can be paid in full in XXXX then reported as a charge off in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RAS LaVrar, LLC
State: VA

Complaint narrative:
On XX/XX/2019, I mailed a certified Cease and Desist Letter to RAS LAVRAR Law Offices in connection with credit card charges identity theft. ( See exhibit 1 attachment below ) However, RAS LAVRAR Law Offices did not honor the letter and mailed a second collections letter out to me on XX/XX/2019. ( See exhibit 2 attachment below ) Therefore, I am demanding {$1000.00} in statutory damages within 10 days for violating Code Section 805 of the Fair Debt Collection Practices Act and Title 15 U.S. Code Section 1692k ( See exhibit 3 attachment below ) Furthermore, this has caused me significance stress and embarrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: U.S. BANCORP
State: WA

Complaint narrative:
This situation on XX/XX/2019 involves XXXX XXXX bank loan intake and customer banker discussing a couples accounts that had been compromised in some way in an open lobby. No privacy and there was approximately 15 to 20 customers in the lobby waiting to be helped or were being helped. XXXX needed to contact another department of the bank and with a voice that carries clearly articulated the customers full account number, full name and spelled the customers last name. This is clearly a breach of privacy and with many people on their phones while waiting there is no way to know who heard him or what others took away from that conversation. When addressed with manager on XX/XX/2019 the manager brushed it off saying the lobby was an open setting and that was how they did business. Manager 's name 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