vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my 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 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I HAD APPLIED FOR A BOFA CREDIT CARD IN XX/XX/XXXX BUT NEVER RECEIVED AN APPROVAL EMAIL SO I ASSUMED CARD WAS NOT APPROVED. IN XXXX I THOUGHT OF RE-APPLYING AND CONTACTED BOFA CUSTOMER SUPPORT INORDER TO KNOW MORE ABOUT THE CARD BENEFIT I WAS APPLYING. TO MY SURPRISE, THE CUSTOMER SUPPORT REPRESENTATIVE TOLD ME THERE IS A CARD ISSUED ON MY NAME IN XXXX AND I TOLD HER THAT I NEVER RECEIVED ANY CARD. SHE SAID NOT A PROBLEM AND CAN SEND ME A NEW CARD AND THAT I WOULD GET THE BENEFITS THAT I WAS SUPPOSED TO ONCE I ACTIVATE THE CARD THAT SHE WAS GOING TO SEND. I CONFIRMED MULTIPLE TIMES AND SHE WAS SURE THAT MY BENEFITS ( {$200.00} WELCOME BONUS ) WILL BE COUNTED STARTING XX/XX/XXXX AND ALSO I WILL GET 12 MONTHS 0 % APR. AFTER I SPENT MORE THAN {$500.00} I CONTACTED THE CUSTOMER SUPPORT ONCE AGAIN TO ASK THEM WHY I DID NOT GET {$200.00} BONUS AS I MET THE WELCOME BONUS CRITERIA AND THE REPRESENTATIVE TOLD ME THAT I WONT GET THE OFFER SINCE THE CARD WAS ISSUED ONE YEAR BACK. I TOLD THE REPRESENTATIVE ABOUT THE GIRL WHOM I SPOKE TO EARLIER IN XX/XX/XXXX AND SHE CONFIRMED ABOUT THE OFFER. HE SAID HE WILL INITIATE A REQUEST AND THE CONCERNED TEAM WILL GET BACK TO ME. CASE WAS RAISED ON XXXX XX/XX/XXXX. NO ONE BOTHERED TO CONTACT ME AND AFTER WAITING FOR TWO WEEKS I CALLE BACK AND THE OTHER REPRESENTATIVE TOLD ME THE CASE IS CLOSED AND HE WILL OPEN A NEW CASE AGAIN. I ALSO SPOKE TO A SENIOR MANAGER ( A LADY ) AND TOLD HER THE ENTIRE STORY AND SHE WAS SO RUDE TO ME. I ASKED HER WHY WAS THIS FALSE INFO GIVEN TO ME AND HER ANSWER SHOCKED ME. SHE SAID, 'INORDER TO SELL THE CARDS OUR REPRESENTATIVES LIE ' AND HUNG UP ON ME. I WAITED AGAIN FOR 10-15 DAYS AND CONTACTED THE CUSTOMER SUPPORT AGAIN. THIS TIME A  LADY SPOKE AGAIN AND SHE PROMISED ME THAT SHE WILL WRITE AN EMAIL ABOUT THIS INCIDENCE TO HER MANAGER AND HER MANAGER WILL GET BACK TO ME AFTER ONE BILLING CYCLE. I ALSO TOLD HER PLEASE  ASK YOUR MANAGER TO HEAR THE FIRST CALL I MADE IN XX/XX/XXXX TO ENQUIRE ABOUT THE NEW CREDIT CARD AND HOW THINGS WERE PROMISED TO ME.BUT AGAIN, NO ONE BOTHERED TO GET BACK. 
THEY ALSO STARTED CHARGING ME INTEREST WHEN THEY SAID 12 MONTHS 0 % APR. AGAIN I CONTACTED THE CUSTOMER SUPPORT AND THEY TOLD ME THAT IT HAS BEEN ONE YEAR AND SO THERE IS NO MORE 0 % APR BENEFITS. THE JOURNEY WITH BOFA HAS BEEN REALLY FRUSTRATING, STRESSFUL. I HAVE BEEN ON CALLS WITH THEM FOR ALMOST 10-15 HOURS INCLUDING ALL THE CALLS, SPOKE TO MULTIPLE REPRESENTATIVES, MANAGERS BUT NO ONE BOTHERED TO GET BACK TO ME. I HOPE TO GET WHAT I WAS PROMISED AND WANT THIS TO BE PUBLISHED SO THAT BOFA DOES NOT FOOL ANYONE IN FUTURE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XX/XX/XXXX I was charged {$29.00} nsf I had the funds another account the company never allowed the payment to hit the account but thy charge a fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated  on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my 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 2019-12-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: NM

Complaint narrative:
On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EXPERIAN verify this?????? 
EXPERIAN has failed to do a proper investigation. I demand that EXPERIAN provide the method of verification under section 611 of the FCRA or delete this account 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 2019-12-13 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: NM

Complaint narrative:
On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EXPERIAN verify this?????? EXPERIAN has failed to do a proper investigation. I demand that EXPERIAN provide the method of verification under section 611 of the FCRA or delete this account 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 2019-12-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have citibank costco credit card. It will expire on XX/XX/20. Citibank chose to close this account once it expires on XX/XX/20. This account is have no past due or has been late on payment. Citibank also dont want to give the rewards i have earned by using this card. So far I have like {$700.00} of rewards that is suppose to be given in XX/XX/2020. Its ok if they close the account but I want my rewards. I tried to talk to citibank to keep my card but they wont.

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 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Transaction Date : XXXX Amount : {$300.00} + {$300.00} ( in two transactions back to back ) Company : XXXX XXXX, XXXX, XXXX. XXXX XXXX On the above date, a payment was made using a company debit card from Bank of America , for merchandise that was never delivered, was never intended to be delivered and the evidence sits in the fact that the recipient immediately vanished upon receiving the funds, in total, {$600.00} were paid from business checking, and XXXX XXXX   and Bank of America helped perpetrate the fraud. The merchant is set up as a " cash application '' and makes it practically impossible to trace where the money went after it was taken from the business account and the recipient took the cash and vanished. Upon realizing the fraud, I first contacted XXXX XXXX   customer service via email because they do not offer a telephone number and even getting access to customer service email required over two hours of searching. 

Merchants site provides instructions on what to do in these circumstances. To Notify them and they will immediately freeze the recipients account. However, they were unable to trace the recipient and apologized stating they are working to prevent these types of frauds from occurring in the future. XXXX XXXX XXXX  is basically facilitating fraud by allowing a transaction to occur and then providing total anonymity to the recipient with no regards fort the victim. XXXX XXXX also instructed me to contact my bank and report it as a disputed charge and to deal with it directly through my bank. When I did so, XXXX XXXX XXXX answered the dispute with pure fiction, suggesting they were acting under my instructions, which is absolutely false and fabricated. They addressed the dispute as if it was reported as unauthorized rather than merchandise never received, and Bank of America immediately sided with XXXX XXXX without allowing me even a chance to respond. 

They provided the name and phone number of the recipient who stole the money but the name is made up and the phone number is disconnected. Even with this obvious evidence and indications of fraud, Bank of America, sided with XXXX XXXX, reversed the credit and then re-billed me almost {$200.00} in additional fees. Not only was I victimized by a thief, but Bank of America compounded this by hitting me with fees as if I was dishonest with them. In this instance, both Bank of America and XXXX XXXX are accomplices to identity and financial theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13 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: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I have disputed info with this company and it was removed by XXXX XXXX that I owe them nothing.Well I got an alert and contacted XXXX  this debt XXXX has reappeared as new collection on my credit as it came off last week plus this company told me I would have to get it removed that they disnt do that.please help me get this company to again remove this fraud from all of the credit bureaus.every time I get fixed they reappear. This is affecting my health to the point I'm going to have a nervous break down.please help me with this immediately today.its important as I have to be at the bank and its awlful I have to repeat what I've had to endure for two years now.please make them remove all there info from my credit report and leave me alone please.thanks.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 2019-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: WI

Complaint narrative:
Our loan is through Caliber Home Loans. This past fall we contacted the company when we knew we would be behind for the second month and requested a non formal payment plan. At that time the representative said that we were not too far behind and our payments were not too much so no action would be taken against and to not concern ourselves with it and to make payments as we could. As things got worse for my wife medically we had to apply for SSI benefits and they are being processed and I have had to take several FMLA days to help her get to appts or to care for her so we fell further behind on payments. We then contacted them for a formal repayment and then a forebarence plan and was denied all options except selling in some way. This was a temporary hardship and normally we would be able to make our payments so if our forebarence had been approved we would not be four months behind and able to continue our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I have never been to a doctor named XXXX XXXX XXXX. According to his website he's a XXXX. I have never been to a XXXX in my entire life, nor have I ever been to the city where he practices. I have disputed this collection account which says I owe over {$3000.00}, numerous times but every time I dispute it they just increase the balance causing my credit score to go down. I do not owe this bill. I have had XXXX   for over 10 years so any medical bill is paid by XXXX. So I know I never was a patient of XXXX XXXX XXXX as his area of practice isn't covered by 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 2019-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I took a loan out with this company in XXXX of XXXX for a small amount of XXXX. I also used the MoneyLion Plus membership. 
I paid this loan bi- weekly every Friday until my last payoff. I made my last payment on XX/XX/XXXX of {$44.00}. That day I also cancelled my MoneyLion membership and withdrew my MoneyLion investment balance. I thought everything was clear until I pulled my credit report and it keeps showing I never paid. This is a damaging remark toward my score. I have tried to dispute this faulty claim and they now are showing my account as last due and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
This debt is not mine and should have never been put on my account. I strongly dispute the debt and this companys claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: TX

Complaint narrative:
Mersal and Kramar ( Minnesota ) Sued me while I informed I was in Texas after winning the law suite the they garnished my account for XXXX XX/XX/2019 dollars. They were aware that in Texas they are required to be bonded by the Secretary of State I have asked to turn the account over to original owner  XXXX   XXXX but continue to send letters to my attorney after I provide my address on phone to them. why are refusing to call me to write letters when I gave my Texas address. This took place today XX/XX/2019. 

When capital calls they keep saying my attorney I do not have one he has given permission for me to speak to them I have capital one remove information. I frustrate feel victimized by the games played here. How can company collect in Texas while they are not bonded also I received letters from court while this case was going in Texas proof that I live here. Please find this company they are abusing consumers like me I am asking for justice if there is fine I need them fine if you need proof I will supply. I make clear on the phone here that they must resume communication with me and stop playing oh he has lawyer game. 

Please Are third-party debt collectors and credit bureaus required to register with the secretary of state? 

No, but third-party debt collectors and credit bureaus are required to file a {$10000.00} surety bond with the secretary of state before engaging in debt collection. Tex. Fin. Code. 392.101. The bond must be in favor of the State of Texas for the benefit of any person damaged by any violation of Chapter 392, Finance Code. Id.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Calls from Navient- five to eight times a day from early in the morning through to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional finance has on multiple occasions inundated my personal phone with harassing phone calls in an attempt to collect, so much so that I have had to change my number multiple times to get it to stop.

XX/XX/XXXX-143 calls for two different collections balancesXX/XX/XXXX-87 calls for two different collections balancesXX/XX/XXXX- <25 calls for two different collections balances

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation