vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I received an unsolicited piece of mail from the XXXX product by XXXX/MoneyLion. The mail included a debit card and had a call to action for me to activate the debit card. To me, the piece of mail seems to actually be from MoneyLion. 

I never signed up for this account. I am not sure how this account was opened in my name with my address. I am actively monitoring my credit, and as of yet don't see anything suspicious. 

I did not activate the debit card. I can provide the debit card number upon request. 

As I did not request this card, nor did I sign up for this account, I believe this is fraudulent. 

I received this mail at my old address and have moved, so I'm not sure the exact date I received this. It may have been a month ago. 

It is a similar situation as this post : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Tried calling the company on XX/XX/21 to go over account was advise that they sent out notice and a settlement offer advise did not receive! Ask to provide information and was advise they will not! And do not have to go over that information! Asked for a higher representative and was advise no! Rep on the line then advice she is a supervisor ( which goes against udapp : miss representation ) then I was placed on hold for at least 5 minutes! Tired to call back and was passed around the company just advise pay your bill! And that they will just advise Im refusing to pay advise the reason for the call is to resolve advise then pay thats how I can resolve bill. Advise Im trying to get an understanding of my account and was advise as long as I understand that the balance is due nothing else is important PAY YOUR BILL no need to talk about anything else and the call was disconnected.

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 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am not able to book a rental car from the card company 's website - Chase XXXX XXXX XXXX XXXX. I called them to make the booking as well but they just waived their hands. Some error shows up on their website which they can't fix and I'm certainly sure if I follow their advice to book after tomorrow, the prices will change

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 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: CA

Complaint narrative:
I filed an identity theft report and disputed items with the proper people to have inaccurate information removed that is not mine. These items still aren't removed.

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 2021-01-22 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: CA

Complaint narrative:
I filed an identity theft report and disputed items with the proper people to have inaccurate information removed that is not mine. These items still aren't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: AZ

Complaint narrative:
I filed a police report for identity theft because there were items reporting to my credit report that were not mine and illegally opened under my name and reporting. I sent my dispute letter out with the police report and they have still not removed these items.

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 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery associates file a suit XX/XX/XXXX for which I hired a lawyer but they continue to call several times a day for a whole year now, even after they were notified of my legal representation. They purchase a credit card from XXXX XXXX that supposed to be close. Yet I got no chance to dispute and they added interest for about a year. Attended court I had no prove of payment since it happened in XXXX and I had closed the accounts I paid with, XXXX ruled against me, yet they still calling my cell phone. I have a XXXX child, still they harassed me constantly, during doctors appointments, hospitals visit or clinic treatments or therapy. They wont identify themselves as debt collectors and say it is a personal business matter or the representative just says their name as is a personal call, they even called my daughters cell, who is a minor to ask her where I can be reached, when would I be available, etc. One thing struck me is the day of the trial, pretty much every one there had a case against portfolio recovery associates. It seems to me that they all were Encouraged to settle. Some people didnt even got notice, I got my notice less than XXXX weeks from trial and it is supposed to be at least 45 days. So I did not had much time to prepare since my son had been sick all week with severe XXXX and congestion. 
I had other credit cards before that I had paid and closed. But never had to fight with a company to close my account. Still they left it open so it could accrue interest, because I told them I can access the credit card, I could not use it in the store or pay any balance. I had to call the credit card customer service to make the last payment to closed the card but it never happened. I had tried disputing it but paperwork was never file.it was all done by phone. Currently I am considering filing for bankruptcy ... once I paid for my house I have all this creditors calling me with any debt I ever had as old as twenty years old. Portfolio recovery associates had also called with a debt from a XXXX XXXX credit card that I had over ten years ago, that cant possibly be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
Date Submitted : XX/XX/2020 Company : WAKEFIELD & ASSOCIATES I Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX Amount {$3200.00} I dispute this collection because the amount keep increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: MA

Complaint narrative:
Experian keeps reporting my XXXX  XXXX credit card balance before my actual due date on the XXXX of each month. 

Experian continues to report XXXX on my report, even though XXXX has sold this account, no longer owns it, a new company does, furthermore they will not allow me to dispute it at all, they want me to give them a letter. Isnt this what they are supposed to do, FACT FIND AND UPDATE INFORMATION AND NOT REPORT INACCURATE INFORMATION. ALSO, THIS IS MY 2ND OR THIRD TIME REPORTING THIS EXACT SITUATION HERE. WHY ARE THEY ALLOWED TO VIOLATE FCRA? 

EXPERIAN REFUSES TO TAKE A LATE PAYMENT OFF for XXXX XXXX. THAT WAS TAKEN OFF THE OTHER 2 CREDIT BUREAU REPORTING AGENCIES, THEY WANT MY CREDIT TO REMAIN IN THE FAIR RANGE and not GIVE ME THE SCORE I DESERVE. I HAVE HAD EVERY DEROGATORY ACCOUNT REMOVED, BUT EXPERIAN REFUSES TO REMOVE THEM. I ALSO FIND THEIR BEHAVIOR RETALIATORY and deliberate for reporting them here.

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 2021-01-22 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: PA

Complaint narrative:
XXXX XXXX XXXX Balance : {$810.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXXXXXX XXXX Balance : {$650.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$160.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX XXXX Balance : {$180.00} -This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: AZ

Complaint narrative:
I filed a police report for identity theft because there were items reporting to my credit report that were not mine and illegally opened under my name and reporting. I sent my dispute letter out with the police report and they have still not removed these items.

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 2021-01-22 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: AZ

Complaint narrative:
I filed a police report for identity theft because there were items reporting to my credit report that were not mine and illegally opened under my name and reporting. I sent my dispute letter out with the police report and they have still not removed these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo withdrew {$2000.00} through ACH transfers from my XXXX account on XX/XX/XXXX. 

Where are they? I only have {$1000.00} in my WF accounts. 

I want a written explanation as of how WF can withdraw {$2000.00} on XX/XX/XXXX when 2 accounts were closed on XX/XX/XXXX, and where are the {$2000.00}? ( {$1000.00} currently in my accounts but where are the other {$1000.00}? ). 

This is a simple question.

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 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX file a suit XX/XX/XXXX for which I hired a lawyer but they continue to call several times a day for a whole year now, even after they were notified of my legal representation. They purchase a credit card from synchroni bank that supposed to be close. Yet I got no chance to dispute and they added interest for about a year. Attended court I had no prove of payment since it happened in XXXX and I had closed the accounts I paid with, judge ruled against me, yet they still calling my cell phone. I have a XXXX child, still they harassed me constantly, during doctors appointments, hospitals visit or clinic treatments or therapy. They wont identify themselves as debt collectors and say it is a personal business matter or the representative just says their name as is a personal call, they even called my daughters cell, who is a minor to ask her where I can be reached, when would I be available, etc. One thing struck me is the day of the trial, pretty much every one there had a case against XXXX XXXX XXXX. It seems to me that they all were Encouraged to settle. Some people didnt even got notice, I got my notice less than two weeks from trial and it is supposed to be at least 45 days. So I did not had much time to prepare since my son had been sick all week with XXXX XXXX and XXXX 
I had other credit cards before that I had paid and closed. But never had to fight with a company to close my account. Still they left it open so it could accrue interest, because I told them I can access the credit card, I could not use it in the store or pay any balance. I had to call the credit card customer service to make the last payment to closed the card but it never happened. I had tried disputing it but paperwork was never file.it was all done by phone. Currently I am considering filing for bankruptcy ... once I paid for my house I have all this creditors calling me with any debt I ever had as old as twenty years old. XXXX XXXX XXXX had also called with a debt from a XXXX XXXX credit card that I had over ten years ago, that cant possibly be legal.

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have recently been informed that there is negative information reported by Discover in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$1900.00} on XX/XX/2020. Discover has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: ECMC GROUP, INC.
State: AZ

Complaint narrative:
Im a victim of identity theft someone had opened and applied for student loans two of them. ECMC is the collector.

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 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
When I purchased car my credit score was a XXXX and XXXX. I wasn't aware that my interest rate was at 11 percent. I was not aware of this high interest rate. I'm paying more in interest than the price of the vehicle. They wont give me an explanation as to why my interest rate is so high. At this point it will take me until XXXX until I will payoff. I purchased it in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I am an American citizen but spend a lot of time in XXXX. For the past dozen years, I have been regularly transferring monies from my Bank of America account to an account I have at XXXX XXXX in the XXXX to pay for expenses while in XXXX. This process originally involved talking to a person at B of A, and in the past two years it has switched to an online process. In XX/XX/2020 I successfully did a transfer, but in late XXXX when I attempted a transfer it was blocked by B of A with the message something like " we need to disclose fees at the receiving bank and don't have that information so we can not do the transfer. '' I called B of A and they said they have recently made this change required by Dodd-Frank ( the disclosure used to be " you may also be charged fees by the receiving bank '' which was fine with me ). The B of A person said there was some kind of international data base with such fee information and I should call XXXX XXXX to have them put their information on the data base. I called XXXX XXXX and they said they have never heard of such a data base. So I am in XXXX with no way to continue to transfer funds as I had been doing for the past dozen years. My complaint may be as much about the regulation as about B of A. This may be a case where a regulation has made things worse for consumers -- it was enough to say " there may be fees at the receiving bank and leave it at that. '' Thanks for your attention.

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 2021-01-22 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: AZ

Complaint narrative:
Im a victim of identity theft someone had opened and applied for student loans two of them. XXXX is the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
There is unknown charge-off on my credit reports. Im requested the verification of the collection and the method of verification. BANK OF AMERICA Opened XXXX XXXX, XXXX For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

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 2021-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I did not get a XXXX statement. I called on XX/XX/XXXX and they were not open. I called back on XX/XX/XXXX and was told the statement was mailed from Ohio on XX/XX/XXXX and they had registered that I received it on XX/XX/XXXX. I asked the dates XXXX times during my call on XX/XX/XXXX and was told the same thing. This is an impossibility mail is not delivered on XXXX XXXX so they were lying. I paid the bill. They did takeoff the late fee because I didnt receive a statement but they continue to maintain that I had to pay {$10.00} in finance charges for being late on a statement I never received. Commenity Bank XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Disputed account on XXXX of XX/XX/2021. Contacted the original creditor and they confirmed {$0.00} balance. Spoke with representatives around the XXXX of XXXX. They hung up on me numerous of times when tried to explain that I do not owe on account. I did not receive any written notice nor have I spoke with anyone before reflecting on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have recently been informed that there is negative information reported by Capital One in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. Capital One has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. 

Please note as that sent XXXX letters to XXXX, XXXX, and XXXX that they have 30 days to complete this investigation XXXX months prior to this complaint, as per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), and I have kept a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Company response to consumer: Closed with explanation