vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I opened a capital One secured credit card to help build my credit. I have paid my payments on time and early since. I was informed my account was closed and after talking to five different people at capital one who couldnt tell me why a man got on the phone and told me that is was closed because of a past or present legal action against me. So Ofcourse I panicked thinking I had a legal action against me somewhere and almost had a nervous break down! After calling every court house anywhere I have ever been I find out that I have no past or present legal actions against me! I got the card to build my credit and now will have a bad mark on my credit because they closed my account for no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, Today, XX/XX/2022, I received an alert from XXXX that Avante reported a negative item regarding an alleged debt. It is my understanding that : Under the Federal Trade Commission Consumer Law, A consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. 

I would like to state I have no clue, who is Avante. I DID NOT receive any notification from Avante prior to the negative credit reporting of the alleged debt. 

My rights have been violated by Avante due to they did not notify me of this alleged debt nor allow me, as the consumer, the opportunity to gain knowledge, investigate, or dispute this item I am unaware of. I am seeking your assistance in immediately having Avante remove the negative reporting from the credit bureaus and discontinue any adverse and negative reporting on this item until the following are provided : I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgement ; 4. Documentation showing you are licensed to collect debts in GA. 

Upon receipt of any of requested information, I request 30 days to respond. Also, please ensure the creditor and the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
One of the services I used when a customer of PNC Bank, was the money transfer service known as XXXX. When PNC told me they were closing my account, never gave a reason except they can do this, and I have no problem with this policy. If they don't want me, so be it. My account number was XXXX. Routing number was XXXX. 

However, when they closed the account, they did not release me from the XXXX service I had with them. I called XXXX XXXX, and they informed me that PNC would have to release me from the XXXX service I had with PNC before I could establish service directly with XXXX. To this date, PNC has refused to release me with no reason given. XXXX is an independent business that banks use as a service for their customers. I don't believe PNC has the right to not release me from their XXXX, an independent business. 

I am seeking to have PNC release this hold on my ability to do business with another independent business. 

I look forward to what you learn. 

The PNC branch I used is located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. Their phone # XXXX PNC XXXX XXXX is at XXXX XXXX XXXX, XXXX, PA XXXX Phone - XXXX Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on 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 2022-09-02 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on 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 explanation
Consumer complaint received 2022-09-02 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: Professional Finance Company, Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXXXXXX Balance reported as XXXX starting on XXXX was in collection PROFESSIONAL FINANCE XXXX Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX  Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE balance was reported as XXXX on XXXX XXXX XXXX XXXX balance was reported as XXXX on XXXX XXXX XXXX XXXXXXXX  balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX  Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX  Balance was XXXX as of XXXXXXXX XXXX XXXX  Balance XXXX as of XXXX XXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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:
I have asked Procollect to Validate a debt they allege that I owe as it is my right to do so under 15 usc 1692g. Procollect has refused to provide the supporting documentation needed for me to properly review the alleged debt. I also have requested they provide me with my wet ink signature on a document that gave them permission to report this information to my consumer report and they have refused to do so at each request which is a direct violation of my privacy as a consumer under 15 USC 1681. They did not exercise their gave responsibility, they have been unfair, and were partial in the matter under 15 USC 1681 A4.

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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I had a person reach out on XXXX for a commission ( XXXX XXXX, @ XXXX on XX/XX/22 ) and she also said she was from XXXX XXXX, UT ( Address : XXXX XXXX XXXX XXXX ) and so I thought she might've known me through a coworker. When the details came to payment, she said that she couldn't use any of the money transfer apps due to some fraud issues there. I've been dealing with a lot of fraud on my credit card lately and didn't see that as an issue. She said she could pay me via check but the minimum amount she could write one for was {$1000.00} and so I'd have to refund her {$750.00}. 

When I deposited the check, I had heard about fraud causing checks to bounce when a person writes a knowingly bad check, so I called my bank ( USAA, XX/XX/22 ) to make sure this wouldn't happen. They had said the check was deposited and I thought that meant I was good to go and so I then sent the XXXX transfer. I later got a strange email that made me suspect that this was a scam after all, so I XXXX what to do, alerted my bank, and tried canceling both the check and the transfer. The check was later officially declined and the resolution of my XXXX transfer was found to not have any issues, despite the fact that the only reason I proceeded with the transfer was that my bank said it was okay. Because of this, I re-opened the claim about the transfer ( XX/XX/22 ) and asked for them to include the phone call I had made to them as part of the dispute. Their reasoning was that I authorized the transaction, but my reasoning is I wouldn't have authorized it if they didn't tell me it was okay. 

The XXXX transfer dispute was once again found to not have an issue and so I called USAA again ( XX/XX/22 ) and was escalated to the fraud department. It's been a week and I should have heard back by now and so I'm worried that USAA will still find no issue on their end and that with all this time passing, I have even less of a chance to have my money returned. I also tried having XXXX send me back my money, but she keeps having idiotic reasoning about why she can't unless she has my bank login info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I need to open 2 chargeback request for 2 transactions made with my XXXX debit card ending in XXXX... 
I tried to reach the bank but all the phone numbers they provide are not working, the phone calls can not be completed. 

Transaction 1 : Purchase made on XX/XX/XXXX, XXXX XXXX XXXX, must be delivered to my address on profile XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX on or before XX/XX/XXXX Transaction 2 : Purchase made on XX/XX/XXXX, XXXX XXXX XXXX, must be delivered to my address on profile XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, PA XXXX on or before XX/XX/XXXX I tried to reach the merchant several times by telephone and email. They never answered and also never provided any kind of shipment information like tracking number or delivery confirmation.

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 2022-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
i have this problem with chase bank i have a saving account but i havent use it for long time so when i try to use it i call and they told me that my account is inactive and that they send a letter notify me but i never recieved one so they want me to step on a branch but i cant go i live in XXXX and i just came out of a XXXX and i really need to have acces to my money because i need to continue with my medical treatment plus i need help to get access to my online banking because i need to updated my contact information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have two Chase checking accounts : 1 ) Chase Premier Plus Checking which I'm the sole owner ; and 2 ) Chase Total Checking which I jointly own with my wife. Starting from XX/XX/XXXX till now, Chase mistakenly charged a monthly fee of {$25.00} for my Chase Premier Plus Checking account for a total of {$350.00}, even though my two accounts have a combined balance of ~ XXXX XXXXXXXX and have never fell below XXXX XXXX which is the minimum threshold to avoid monthly fee. 

I called Chase on XX/XX/XXXX after I accidentally discovered the charges, but they only agreed to refund {$25.00} with {$320.00} outstanding, and claimed that these two accounts can not be linked and thus the combined balances didn't count, despite the facts that 1 ) I have ownership of both accounts, and 2 ) these two accounts are linked in my mobile app with the same login credential. In addition, they did not explain why they didn't notify me when and why they were going to start charging fees. These are deceptive hidden fees to consumers, and many other consumers may experience the same situation. I'd like to submit this complaint to urge Chase to look into its broken process that harm customers, refund me {$320.00}, and refund other customers fees charged for the same situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had a balance assist with bank of America for {$500.00} I have hit some financial trouble I'm XXXX XXXX right now and was unable to make the payments recently I deposited some money I got from my ex to buy my daughter clothes they took XXXX on XX/XX/2022 most of my money that was deposited in my account and left me {$8.00} in my account I called them and they wouldn't give me back anything I said just take XXXX they were not willing to do anything or work with me in any way they absolutely didn't care at all

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have contacting these companies several times. I have notified them several times that the accounts they are reporting are fraudulent accounts that were not authorized by me. Commentiy Bank stated they were going to resolve the issue. I've spoke with several reps with most of them saying they don't see the investigationXXXX XXXX XXXX  only updates the report as disputed and they continue to verify the account as accurate and it's not. XXXX XXXX same issue as XXXXXXXX XXXX It makes no sense that I'm having to fight so hard to get my idenity back and these companies allowing people to open accounts in my name. Comenity has allowed these thieves to open not one but 4 cards in my name 2 of the four is with the same store. This has made my life XXXX. And the worse part whoever took advantage of me did it while I was in an XXXX XXXX waiting for a new XXXX. Please help me in fixing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: FL

Complaint narrative:
I leased a Tesla XXXX XXXX  ( XXXX ) from Tesla, and after returning the vehicle on XX/XX/2022, Tesla still charged my bank account {$560.00} for XXXX as if I had not returned the car. 

I have sent about 30 emails and called many times, but Tesla does not have a real person that answers any of their phones, and I had to leave voicemails. 

In reply to one of my emails, I finally received a return call from XXXX XXXX, a Lease Maturity Specialist, and she explained that there was some kind of mixup in their system, and when I returned the car, my billing account did not get automatically closed as it should have and that is why I got charged for another month. 

She said she could not refund me for the {$560.00} charge until the billing department closed my billing account. A week later, I still had not heard anything from anyone at Tesla, and I got another email saying they were going to charge my account again on XX/XX/2022, for another {$560.00}. 

I called and left another voicemail but could not speak to a real person, and no one called me back. 

I sent another email saying I want my money back immediately because it's not my fault they made some kind of mistake and I need the money. 

I got a reply email saying this : " Any overpayment will go towards your excess wear and tear as well as your end-of-term charges. '' I replied and said it was not an overpayment! They fraudulently charged me for a car I had already returned, and I want my money back now. 

I have not heard back or received my refund, and I still can't talk to anyone at Tesla about all of the problems. 

Its hard for me to believe it is legal for a company to charge me {$560.00} for something I didn't get, and while I do understand mistakes happen, the fact that I can not talk to anyone about the problem on the phone and they have not refunded me makes the whole thing look very scammy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Greeting Team, LLC DBA Customer Care Global
State: MT

Complaint narrative:
Contacted by CUSTOMER CARE GLOBAL, XXXX, on or around XXXX XX/XX/2022, in regards to XXXX loan turned over to collections by XXXX XXXX XXXX I informed XXXX I had no such loan. He read back my address and SSN, however had an email and bank account that are not mine. I advised him that this was identity theft, and told him to stop collection activity. XXXX stated he would stop collection activity. I made a report with my local law enforcement, Ftc, and XXXX. I have not heard back from Customer Care Global. XXXX XXXX XXXX initially stated I needed to take it up with XXXX, however after I filed my FTC and XXXX  complaints, they began emailing me back telling me I needed to prove this was not me. I told them, they needed to furnish the bank account, phone # and email used to get this loan. 
They will not. 
Both companies are involved in identity theft and need to be held accountable, and not allowed to assist trying to defraud American Citizens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collectibles Management Resources
State: CA

Complaint narrative:
XXXX $ XXXXOriginal : Not Available Opened:XXXXReportedXXXXAct. # : XXXX : Unknown Received threatening letters and phone calls from this company between months of XX/XX/2022 to XX/XX/2022 and it is definitely affecting my life and lively hood to purchase a home and business loan from the bank please help me resolve this issue ASAP please and thank you I have not supplied proof first under the doctrine of estoppel by silence, engelhardt v. rick stevens graves ( mo281 SW 715, 719, ) I presume that no proof of the alledged debt, nor therefore any such debt, therefore any such debt, in fact exists.

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