vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Amazon has demanded payment on their store card for charges that I didn't buy. They have not credited me for purchases that I didn't receive or did not order.

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 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received in the mail a debit card from Chase Bank, attached to a checking and savings account that I DID NOT open! I called the bank and talked to 3 different people and gave each of them my personal information. Someone indeed just recently opened those accounts but they wouldnt give me any information.I gave them the debit card number that was sent to me and was told to shred the card. I decided to put it all in my safe in case I needed it for evidence at a later time! Chase bank told me as long as that card is not activated that account can not be used. I was given numbers to XXXX, XXXX, and XXXX. I contacted XXXX and was asked a ton of questions about personal banking information like ; who do I have a car payment with and how much is my payment, what mortgages do I have, who are they with and how much! I went to my online banking and answered correctly the questions asked and at the end of our conversation was told that I couldnt be identified by my answers!!!! Im worried that someone had managed to get access of my personal information and use it for their benefit and lock me out!!!! XXXX told me to fax them a copy of my social security card, my drivers license, and other statements and questions! I am actually AFRAID TO DO THAT!!!! Im not sure if Chase was scamming me and gave me wrong numbers to the 3 credit bureaus!!! Right now I am extremely paranoid!!!!! Could you please advise me what else I need to do? Thank you Im advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card used to originate every consumer transaction listed below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a VIOLATION of my rights as a federally protected consumer under title 15 chapter 41.

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 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: NY

Complaint narrative:
Someone opened account in my name and address for XXXX $ the XXXX XX/XX/2020 then the next day withdrawn the XXXX and the following day closed the account.

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 2021-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : $ XXXX Late payments should be consistent between all 3 bureaus need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. 

XXXX XXXX XXXX  XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was put in touch with what I thought was a legitimate distributor of liquor through XXXX. He had a XXXX page for his business. He stated that he had 2 cases of XXXX XXXX XXXX  available and he would sell them for a reasonable price. If I purchased both cases he said he would include the shipping. Total cost for the bourbon was {$700.00}. He said he accepted XXXX as payment which my bank, Wells Fargo, has as a payment option so I figured it was safe since it was from Wells Fargo and not a third party. I sent him {$500.00} on XX/XX/XXXX and the remaining {$200.00} on XX/XX/XXXX. Wells Fargo has a limit of {$500.00} in 24 hrs so that is why I sent two different payments. After I sent the money the seller then asked for more to cover insurance. I then realized I had fallen for a scam and asked for my money back. The seller insisted I send him the extra money, when I didn't he stopped responding to my messages. 

I contacted Wells Fargo on XX/XX/XXXX and explained to them what had happened. I had to make 2 separate cases since there were 2 different payments made. They said they would review the case and contact the receiving financial institution. I was told if they didn't hear anything back in 1 week they would credit my account the money until there was a resolution. I called 3 times in XXXX trying to get updates and I was always told that someone would call back but no one ever did. I finally received 2 letters from Wells Fargo dated XX/XX/XXXX and XXXX 2021 stating that they were unable to recover any money and the case was closed. 

I would like to know how a financial institution such as Wells Fargo can offer a payment service with no protection offered.

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 2021-01-17 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: TX

Complaint narrative:
XXXX XXXX Balance : {$3100.00} - You are reporting an inaccurate payment history. You can not keep this incorrect and inconsistent information on my file, Please Delete. 

XXXX XXXX XXXX Balance : $ XXXX Late payments should be consistent between all 3 bureaus need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. 

XXXX XXXX XXXX  XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.

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 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021 a direct deposit of {$71.00} entered my account, also on XX/XX/2021 {$69.00} was withdrawn from same account with no details. Im not sure how or who withdrew it Or why. So if you guys could let me know what happened and reimburse my account i would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My neiman Marcus  account that I had applied for online. I got approved made first purchase, however never recvd Bill. This happened XX/XX/XXXX. Very tough year, working in XXXX. During the midst of all that health issues at home however Bill was never recvd until I got an alert from XXXX XXXX alerting me I have a collection for not paying bill. I had never recvd my bill called neiman Marcus they stated I had chosen online payments when I had applied. I did not I promise and I never recvd any mail or even alerts in that matter thru any emails alerting me about payment. Have been disputing because due to this my credit score has dropped extremely not allowing me to Even apply for a loan. It is very tough times I have XXXX children and one of them has health conditions that I pay high medication costs. Please I need my creditor to do a one time courtesy removal of that late payment please so my score can go up and I can get a loan. This was an honest mistake and I have always been on time with my credit you can check my credit and see. Please help me remove this late payment off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have Overdraft protection and I need to Overdraft my account so I can pay on my overdue utility bills but my bank won't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am having an issues opening a checking account with Chase Bank. I have never opened a checking account with Chase Bank. Chase Bank is discriminating against me because of a previous bankruptcy from XXXX XXXX. Chase Bank is discriminating against me because of my race, me being XXXX XXXX XXXX XXXX ). Chase Bank is denying me credit and an opportunity to reestablish my credit. Chase Bank is in violation of the 1974 Equal Credit Opportunity Act. ( ECOA ). Full Name : XXXX XXXX XXXX, XXXX :XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
The amount owed was XXXX. I dont know why but it is now up to XXXX. Every time I try to dispute it they add money. I have told them they are violating the hippa law. Ive complained to XXXX several times about this issue and they removed it one time but put it back on my credit after a few days. The account is Capital Accounts I have no ideal why they keep increasing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I spoke to Midland Collection several times and submitted disputes several times and I gave them a police report number because I had fraudulent activity in my name including identity theft. This company refuse to remove this fraudulent information. I gave them everything they asked including the police report number. This company is harassing me with calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit is reporting a new collections account on my credit report. The account is from a credit one account that I SETTLED and CLOSED with lawyers hired directly by MIDLAND. 

Early XX/XX/2020 ( payment was deducted XX/XX/XXXX from my checking account ) I settled an account with a lawyer based out of Georgia that was HIRED by midland. I settled the account for WHAT WAS REQUESTED by the lawyer on BEHALF of their client midland ( XXXX ) and I have proof. The lawyer rep explained that the account was settled and there would be no other contact or collection efforts from midland or their office. Now, midland has reported a new collections account. I am furious that THEIR lawyers would lead me to believe I settled my account. I used the funds I BARELY had in the middle of a pandemic, and now they slap me in the face for {$120.00}? I attached the amount being deducted from my account, and on the day. Midland has access to see this, because they received the payment from the lawyer they HIRED. Scandalous and I will ensure I DONT let up about this. As a COMPLETELY XXXX veteran, Im definitely contacting my congresswoman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: OH

Complaint narrative:
I was first called by someone stating she was from the courts and was calling to see if I would be served at home or work? 
She gave me the phone number of the company. Also, had the wrong address, I was so nervous, I gave the correct address, the summon lady, did mention that they should have sent me a letter, but since I never got any letters from them and have moved from my previous address that they could not do this. But told me to call them. 

I called XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX XXXX EXT:XXXX they said if I paid something that it could stop the person coming to my home. I called and the company stated that I would have to pay that day and set up debit card payments, I paid {$84.00} but then they said that XXXX bought the debt from Cash Store. The only problem is that I have been paying on that debt with another collector Cottonwood Financial, which has sent letters and proof of my payment to my email every month. XXXX claims that Cottonwood is a SCAM, not to take to them. Cottonwood claims XXXX is a Scam. 
I could find Cottonwood Financial on the XXXX site, search by phone and name and both were found, but I can not find XXXX XXXX XXXX anywhere. They took a payment of {$84.00} even though, I have been paying Cottonwood Financial {$25.00} per month and have been on time. But both are claiming they are a fraud. Also, called Cash Store Corp. and was told that once they sell the loan, they have nothing they can provide as proof, I own {$1500.00} remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. My Chapter XXXX Bankruptcy case was discharged on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. The debt I owed. TCF Bank was discharged in bankruptcy court. TCF Bank is discriminating against me and wont allow me to open up a checking account or apply for other TCF Bank products or services due to me having a previous debt with TCF Bank that was discharged in bankruptcy court under Chapter XXXX. TCF Bank is discriminating against me based on my race as well, me being XXXX XXXX XXXX XXXX ). TCF Bank is denying me credit and an opportunity to reestablish my credit. TCF Bank is in complete violation of the XXXX Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had an account go delinquent with XXXX XXXX a couple years back. They ended up sending a bill with the option to settle for about {$200.00} less than what was owed ( if I sent the payment back in full for what they were asking ) so I decided to jump on it. It wasnt an easy decision seeing as how the pandemic was starting, and my partner and I just had a baby. I sent the payment back to credit one with a check. Never heard from them so I was assuming it was cool. I THEN ( about XX/XX/2020 ) get SERVED by a lawyer for MIDLAND CREDIT. I immediately contacted the lawyer listed and paid the remaining {$200.00} I owed, PLUS another {$100.00} because I thought I had to pay for court fees for midland filing! I got the letter from the lawyer ( on behalf of midland ) that the account was settled and closed. 

NOW I see a collection for {$600.00} pop up from midland on behalf on credit one! Im starting to think these businesses are in cohoots with each other and are taking money from VICTIMS during this pandemic. I have a lot on my plate and this MISHAP just set me back a million miles. I cant believe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am still having issues opening up a checking account with BMO Harris Bank online and in person. BMO Harris Bank continues to deny me credit, and discriminating against me because of my race, me being XXXX XXXX ( XXXX ). BMO Harris Bank is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. My full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I entered the Chase Bank located at XXXX XXXX XXXX in XXXX Il XXXX and immediately went to the first inside ATM located in the back of the Branch. 
I entered my card and pin number. And tried taking XXXX out of the account. 
The ATM digitally took the funds from my account but did not disperse the funds. I received an ATM receipt stating : We aren't able to give you cash right now. 
Please call us at XXXX I went to the teller showed her the ATM slip and she assured me the funds would be reimbursed in my account within 24 hours. Sounding reasonable I left.

Since the 24 hours, I have called this number, and my bank 's number multiple times. 
I have also visited the bank on multiple occasions and spoke with the Branch Manager on my last visit. 
The branch manager was no help as she laughed at me telling me there was nothing she would do about it. 
I asked her repeatedly not to discuss my problem in the open doorway and if we could take the issue into an office for further discussion. I asked her if we could call Corporate together, but the more I tried speaking to her the more she insisted upon snickering as she said nothing I can do. It is currently past 10 days and this matter is still unresolved. I filled a Police Report. 
XXXX is the report number with the XXXX police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, XXXX, and XXXX but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please delete inquires, collection item, closed accounts, and previous addresses. Thank you.

Company response to consumer: Closed with explanation