vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 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: IN

Complaint narrative:
I contacted Equifax on three separate occasions and they never return my call. Someone from a bunch of different agencies had hard inquiries listed on my credit report. I haven't applied for any credit, credit cards, car loans of any type. I have checks by companies i've never heard of!!!! I spoke to one person one time who refused to give me their name in the month of XXXX this year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an unemployment EDD debit card with Bank of America. On XX/XX/XXXX, {$1000.00}. was taken from the account and again on XXXX XXXX another {$1000.00}. was taken, neither withdrawal was done by me. I called the bank on XXXX XXXX and the cust. service rep, after hearing my story and looking at my account, agreed it was fraud and told me this type of thing was happening a lot. He apologized, cancelled my card and sent a new card via XXXX, which I received the next day. He also told me the stolen money would be replaced within XXXX days and issued a claim number XXXX # XXXX XXXX. I still don't have a refund and no other correspondence was sent from the bank. I have called twice since then to follow up. Both times, after waiting on hold for hours, I'm asked all the questions by the person answering the call that get them into my account. Once they see the information, they tell me they have to put me on hold and I'm immediately hung up on. I know I'm hung up on because if the call disconnected by accident, they see my name, email and XXXX phone numbers to reconnect the call. I have also filed a police report and a complaint with the FTC.

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 2020-11-19 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: FL

Complaint narrative:
Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: FL

Complaint narrative:
Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Hello, I received a CP2000 from IRS on XX/XX/XXXX for an error on my XXXX tax return because of a mysterious debt cancelation that occurred in XXXX. This is the first time I became aware that I was a victim of identity theft and fraud on XX/XX/XXXX with my social security number being used along with an old address I occupied 16 years ago to open some sort of online bank account with US Bank NA, XXXX XXXX XXXX  XXXX. XXXX XXXX, MN XXXX. The perpetrator unlawfully received {$10000.00}. US Bank says it was some sort of debit card and bad deposit transaction. Since a 1099C has been filed with the IRS, the IRS now looks to me for the " unclaimed income '' and is charging me with a {$2300.00} invoice. 

I have officially filed a police report with my local department and have an open case with USBank. 

.

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 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I have a total of five loans with Shellpoint. 
The last two loans I acquired this year are loan numbers XXXX and XXXX. After these loans transferred from the original servicer, and I started making payments, I set both of these accounts up on autopay as I have done in the past with the three other loans I have ( loan # s XXXX, XXXX, and XXXX ) Both accounts were set up through the same account at my bank which is an account ending in XXXX. Loan number XXXX debited for the first time on autopay on XX/XX/2020 in the amount of {$1200.00}. The second payment was posted for {$1200.00} on XX/XX/2020 and a third payment was debited on on XX/XX/2020 for {$1200.00}. 
On two occasions I was told by a Shellpoint representative that the autopay had not worked for loan number XXXX. I asked them why it was working for loan number XXXX but not for loan XXXX. I was told the first time it didnt work that one of the numbers may have been transposed so I was instructed to set up the autopay again. I did again and was very careful to make sure all of the numbers were correct with the account number and the routing number. The following month I had the same result and noticed this before the end of the month to avoid a 30 day late on my credit. I was instructed to try it again and that I could follow up again to make sure that the account information was correctly inputted. I was concerned because I hadnt received any notification that the payment hadnt gone through. I was told that Shellpoint would notify by the grace period if a payment hadnt been made. I set the autopay up again and contacted Shellpoint a third time to verify that all of the numbers were correct. I was told that it had been and that the autopay would work. On XX/XX/XXXX, I noticed that a payment had not been made for XXXX and contacted Shellpoint again. I was told by a representative that because the autopay had not worked two consecutive months, that I was not able to use autopay and I s shouldnt have set it up that third time. When asked why I hadnt been contacted to know about the late payment, I was told that there had been calls made to me and letters sent. I had not received any letters to that point and never had received any voicemails. 
I have never had a 30 day late on any of my mortgages with Shellpoint and ask that the 30 day late for XXXX be removed from my credit 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 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I found an account that was not authorized by me that's significantly impacting my credit score. This is an error or a result of malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, someone used my Bank of America ( BofA ) /XXXX XXXX Visa card to purchase {$1100.00} worth of merchandise in XXXX different transactions. These transactions happened in XXXX, Washington. I was contacted by BofA to ask if my card was being used potentially fraudulently. I said yes ... .BofA said they had already stopped the card so it couldn't be used anymore. A Fraud Claim was started with BofA ... .and then I received a note saying that my claim was denied. Here 's what I would add : 1 ) BofA called me to alert me to the fraudulent action. 2 ) The BofA claim representative said to me on the phone ( recorded call ) that a new card had been sent to me on XX/XX/XXXX. I said I never received the new card. I had not requested the card. 3 ) The denial was based in part on my " account history ''. Any savvy investigator would easily be able to determine that the fraud was unlike any other usage pattern I had established. So, this made no sense to me ... .especially since they had called me ... .based on??? Usage patterns I would presume. 4 ) The denial indicated that I had used a PIN. This is a Visa card ... I had no PIN for this card. 5 ) My credit history and Visa card usage would point to a clean credit history ( I just bought a house so I know ) ... .no bogus fraudulent claims, no payment history problems, etc. 6 ) I canceled my BofA account. Why should I do business with them ... .a company that treats it good customers so poorly? 7 ) I've concluded that BofA don't care about the facts in this case ... .they are being arbitrary and acting contrary to good governance. Acting contrary to pretty clear evidence. 8 ) Lastly, I have submitted a police report with the XXXX, Washington Police dept to track the fraud. THANKS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nickel City Group LLC
State: CA

Complaint narrative:
The repeated calls are from XX/XX/XXXX.at ( XXXX XXXX XXXX. The most recent robo call was received today XXXX at XXXX am. I receive at least three to four calls a week at various times of the day. The company never states who they are trying to reach. It is just a recorded message that continues to play.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: TX

Complaint narrative:
Online payment made of {$2000.00} XX/XX/XXXX. Online system reported an error and requested that payment be cancelled and reapplied. Payment amount was cancelled and reapplied in the amount of {$2000.00} w/o confirmation of payment.XX/XX/XXXX checked the account and no payments were applied neither was there a payment confirmation., thus payment of {$2000.00} was reapplied and only " then '' did I receive a payment confirmation for the posted amount of {$2000.00}. XX/XX/XXXX, I went online to pay balance of {$620.00} and DISCOVERED that two payments in the amount of {$2000.00} totaling {$4000.00} was scheduled to be drafted from my bank account! I immediately notified the company to discuss why this happened and was unsuccessful in resolving this issue with agent, secondary to a lack of communication ( listening/comprehension ). I spoke with three supervisors on the XX/XX/XXXX and neither of them could resolve and the latter insisted and requested a check to be mailed to me ( {$1300.00} ). I continued to inform her that this was erroneous and that the company did not " owe '' me any money. I only wanted the company to see that their was a system error that posted an " additional unauthorized payment amount of {$2000.00}! '' The three supervisors ALL contested that my account was paid in full and nothing further " needed '' or " could '' be done in this matter. My spouse called on XX/XX/XXXX and spoke with a supervisor who canceled the check {$1300.00} and yet the check was applied to my account on XX/XX/XXXX. My spouse also spoke with another supervisor XX/XX/XXXX due to an overdraft by my bank and she issued a {$35.00} credit for the inconvenience. As of XX/XX/XXXX, XXXX the canceled check has been applied to my balance {$620.00} leaving a balance of {$2000.00}, CRAZY

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a dispute against XXXX XXXX for the amount of XXXX. For not completing the repair of my vehicle. When I received the vehicle it was caked in bonds dust, the van had the bumper damaged from there valet hitting another vehicle, plus the headliner has grease all over it destroying the vehicle. The company responded back, they only supplied the documents that I signed and the scope of work to be completed, of which caused a charge back. I then called capital one same day on XX/XX/2020 of receiving the letter, one to a XXXX, he advised me what to submit step by step directions including a letter from a detail shop to state that bondo dust was threw out and needed to be cleaned with the cost. He advised me that this is all that needed to be submitted. He then sent me a secured link, to forward the documents. I sent over documents that day, and a couple days later on the XXXX XX/XX/2020 the deadline was XX/XX/2020. Capital one then advised me that they did not receive the proper paperwork in time s requested, however on there recorded line they advises that they did receive the paper work and that was not the reason why it was declined but, because the letter did not show enough detail, however when I explained that I followed the direction to the T that was giving to me on there recorded line from XXXX on XX/XX/2020, they then stated once again on there recorded line that the resin it was declined was because I could not dispute a insurance deductible. They have over looked the email that I sent to them, and they are not assisting me in the dispute against the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I was in a car accident involving this car in XX/XX/XXXX. The car was a total loss. After the parties insurance paid out, I was left with {$5700.00} in negative equity. I was in the process of trying to finance a new car and the negative equity. On XX/XX/XXXX Mid Atlantic retch out to mean with an offer of {$1800.00} pay off. I agreed to that, signed the contract, and put the first payment of {$100.00} down on XX/XX/XXXX. When the financing went through for the new car and negative equity, they cut a cut for the original negative equity on XX/XX/XXXX. Mid Atlantic did not take their {$1700.00} and return the rest of that check for {$5700.00}. They stated that the Dealership would have to reimburse me. I retch out to XXXX XXXX XXXX XXXX and they refused to refund the money either. I have had my accident attorney with XXXX XXXX XXXX, reach out in effort to fix this as well but we were just left at a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This debt was charged off. The last activity on this account was in XXXX which is beyond the statute of limitations to collect on this debt. Once charged off this company increased the amount of debt they were collecting on and continued to report to credit bureaus in XXXX. This debt needs to be removed immediately as they are no longer able to collect on this debt due to the statute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Steaming from an {$120.00} XXXX Dollar Lawsuit with the XXXX vs XXXX XXXX XXXX XXXX and an on going judgment by XXXX XXXX XXXX XXXX XXXX, XXXX ( Attorneys at Law ) on XX/XX/XXXX for the amount of {$1.00}, XXXX dollars. On XX/XX/XXXX, I was harassed, unlawfully and illegally arrested by 4 XXXX Police officers. As a law abiding citizen, I was shopping as a consumer at the local smoke shop across the street from my residence ( located in the plaza near XXXX XXXX XXXX XXXX, in XXXX XXXX, NV ). During that time a male XXXX XXXX XXXX wearing a blue bandanna came up to the customer service rep on duty by the name of XXXX and started making XXXX slurs and XXXX  comments using the XXXX. I turned around and asked the two if they would not say those words and make such a negative atmosphere. Its ruining my day. In return, they were offended by me taking up for my XXXX heritage. As they approached me, XXXX said that the young XXXX XXXX was the owner of the store and he can say what he wants. If I dont like it you do not ever have to come back to the smoke shop. And I ask if thats what he really wants, no problem. Some words were exchanged by the two and the XXXX XXXX tried to get tough and say that he will call his people to attack you. As a result, I said that I will call my people to and proceeded to dial XXXX, as I am walking out of the store to report the incident. After reporting the call, I proceed to the local donut shop in order to purchase the black and mild cigars and energy drink that I attempted to purchase at the smoke shop. While on my way back to my residence, I noticed the two XXXX police cars arriving on the scene. I doubled back b/c I did not want it to look like I fled the scene when I was the person in danger and called the police department. Upon my arrival, the officers approached me, put me in handcuffs and read me my rights after the XXXX slurs/bashing and discrimination continued. While being detained, my identity, lab top computer ( which was in the custody of the XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX # XXXX in XXXX XXXX, NV ), emails, credit and debit cards were compromised. Approximately, {$5.00}, XXXX dollars were illegally deducted from my unemployment account. Which was award as back pay while applying for unemployment through the COVID-19 epidemic. After I was released from custody I contacted Sheriff XXXX XXXX Area Commands department. The discrimination and XXXX  badgering continued by Detective XXXX via telephone from phone number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: FL

Complaint narrative:
After reviewing my credit report, I found an account that was not authorized by me that's significantly impacting my credit score. This is an error or a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I found an account that was not authorized by me that's significantly impacting my credit score. This is an error or a result of malpractice.

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