vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 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: MA

Complaint narrative:
My personal information was stolen through and email and I did not know about it until I saw 8 different charges to a merchant called XXXX on XX/XX/2020 : {$800.00}, {$480.00}, {$200000.00}, {$1900.00}, {$1100.00}, {$1000.00}, {$280.00}, {$2500.00} = totaling {$10000.00}. 
I bank with Bank of America, it's a business account, I have never done any business with XXXX. Bank of America never sent me any text message alerting about those transactions, nor put a stop on my card. When I saw the charges, which were still pending, I called the bank immediately and informed them that those 8 charges were not authorized and not made by me. The bank told me they had to let the charges go through and they will refund me after. 
They opened a fraud request and denied stating that the information provided to the merchant for the 8 transactions matched mine. I told them that I knew it was going to match because my personal/bank information was stolen! 
The bank denied to refund the {$10000.00} that was stolen from my account stating that it's not fraud. 
I called the bank and I asked them to reopen the case. They did and they denied again stating that it's not fraud because the information on XXXX website matches my information and then the bank is lying that they sent text messages to my husband 's phone alerting about the transactions on XX/XX/2020 ( also a signer on the account ), but they did not send any text message ( I am including a copy of my phone bill here to show you ) I have called the bank every single day, since XX/XX/2020 when I found out about those charges. I went to the police and made a report ( the police laughed at my face because he said there was nothing they could do ), I put an alert to my credit report and I will prove to the bank that I did not do those transactions, I don't understand how come 8 different transactions to the same place, same day, one after the other did not raise a red flag with the bank. The bank had to put a stop or call me to ask if those transactions were valid. 
I am desperate because it was not a little amount of money, it was {$10000.00}. 
I need help to get my money back. 
I filed a police report, I put an alert on my credit report, I called the merchant, I called the bank and I will keep doing until I prove it was not me who did those transactions. 
The bank had the obligation to care for my money ... they should have never let those 8 transactions got through without asking me if it was authorized by me ... it was a huge red flag ... huge ... 
Please help me!!!!

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 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased a phone from XXXX  and paid with paypal. I returned the phone and pay pal did not refund the money to me. They asked me " copy of the receipt that details my credit ''. I wrote to them and asked them what they mean because I don't have a credit, that is positive amount of money being deposited from my account. It does not exist because my credit was not given back to me, or my money was not refunded back to me. They just denied and closed my case. This is {$170.00} of my money. 

case XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
I first called into Ford Credit on XX/XX/2020 about extra fees being past due on my account. I keep getting the run a way. They keep saying theyre working on the account, but updating it incorrectly. They updated my account as 90 days past due for the last two years payment history. I want this entire account deleted immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX of Insight Management Partners XXXX XXXX ) keeps calling my mother, gives her specific information of why he is calling, that he is a debt collector, how much I owe, who I owe it to, when I last made a payment, and that if I don't respond to him they are filing suit against me. Most recent calls to her were on XX/XX/2020 and on XX/XX/2020. I do not share my personal business with my mother and they have no legal right to share this information with her. My mother and I do not live in the same state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-25 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I contacted Amerassist on XX/XX/2020 by certified mail requesting they give verification of the debt and that I had given authority for them to have my information from the medical provider. They received my notice of request on that date at XXXX XXXX  via certified number XXXX. To this very day I have not received anything from them yet they are continuing to make collection attempts, even reporting this information to the credit reporting agencies which is damaging my credit. Not only that despite having received my request, they continue to update this information monthly and did not notate the account as being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: FL

Complaint narrative:
I have sent them four certified letters, asking the agencies and companies to investigate that these accounts are not mine and asking them for the original contract with my signature, which I have never received any document and the accounts do not belong to me.

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 2020-09-25 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: FL

Complaint narrative:
I have sent them four certified letters, asking the agencies and companies to investigate that these accounts are not mine and asking them for the original contract with my signature, which I have never received any document and the accounts do not belong to me.

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 2020-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Servicing is improperly applying payments to our loan. And, they have not reported payments in over 6 months to the credit burro. Our credit score has dropped significantly! We have been declined credit due to this issue. I have tried clearing this matter for the past 2 months now. Shellpoint has yet to fix the issue, nor they have not bothered to out to me. I respectfully request a response - this has gone on long enough. And, we are suffering from their negligence!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-25 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX ( pre COVID 19 ) I charged a gym membership to my Barclay 's issued UBER Visa card in the amount of {$500.00} for a two-year membership. I was renewing my membership for the third time since I became a member there. Then in Illinois, we were shutdown in the month of XXXX which included gyms. At the end of XX/XX/XXXX gyms were permitted to re-open with restrictions. The gym where the membership was for did not re-open yet, which was not uncommon in many cities. So I waited a couple of weeks, and people were posting on social media that the gym was going to reopen in XXXX. I tried calling the facility multiple times, sent them an email to their general mailbox, and also posted a few times on their social media page to inquire when they would re-open. I waited because who would have known with the current environment we live in that they still might not open. So at the end of XXXX, I wrote a letter to Barclay 's to dispute my charge of {$500.00} because I saw that equipment was being removed from the gym location, indicating to me that they were not reopening. On XX/XX/XXXX and XX/XX/XXXX I got letters from Barclay 's stating that my dispute was assigned to a specialist. On XXXX I received a letter stating that my dispute was being rejected because too much time had passed between when the charge occurred and when I disputed it. The only reason why there was so much time between the two events was because of COVID lockdown, not because I was just procrastinating disputing it. The rejection was only because of the general rules that do not take into account what we are currently facing in today 's environment. The charge was for a two year membership, not a one time purchase, and the fact that Barclay 's never even reached out to  me to discuss the situation indicated to me that they only rejected it because of the time line, and did not even take the time to understand what the charge was for and the events that let up to the dispute. 

On XXXX I called Barclay 's number on the rejection letter and was told there was not anything the Relationship Manager could do for me but I could write another letter to have my case re-opened but  there was no guarantee that it would get resolved either because of the time that has passed between the charge and dispute. It's hard to communicate this information in a letter when it is much easier to explain it over the phone with a simple phone call.

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In a nutshell, I'm unable to do a balance transfer with the new card, stuck paying 19.99 % AND CITI damaged my credit score. Approximately 3-4 months ago I received an offer for a CITI Double Cash rewards card with  a decent available credit limit of $ XXXX. CITI apparently did a hard credit check and damaged my credit score by appx.100 points. I have contacted them multiple times for some sort of resolution but no luck. Furthermore, I would really like to do a balance transfer from another CITI card in an effort to utilize the 0 % interest, instead of the 19.99 % interest on the current CITI 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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Cfpb / Credit Bureaus/Experian, XXXX, and XXXX  ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least 6-7th different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them. 

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!

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 2020-09-25 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: IL

Complaint narrative:
XXXX  and Experian are fraudulent on their accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # 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 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
This is a new complaint that I put to Prosperity Bank citing a demand I received in the mail and verbal threats that I received that I would be charged a {$35.00} over draft fee for my account going under XXXX balance by slightly more than XXXX cents ... I was told by XXXX XXXX that due to this being an error on the part of Prosperity Bank since I had already opted out of over draft protection to avoid the problem of overdrawing and overdraft fees ... That the overage was an error on the part of Prosperity Bank not my error ... I ask that this also be looked into in terms of ways Prosperity Bank terrorized me treated me like trash by threatening me on numerous occasions with over draft fees putting great pressure on me for mistakes made by Prosperity Bank ... This put their own employee XXXX XXXX in a very terrible and awkward position ... To say that Prosperity Bank acts in an egregious manner towards their own bank account holders and their staff is an understatement ... Also the day I asked for help with faxing my pay stubs to social security I was told by staff including XXXX XXXX that Prosperity Bank does help with small business matters pertaining to funds that are in their bank ... Therefore my request to fax my pay stubs for funds from my job that at the time were deposited into Prosperity Bank falls under that category and is not personal business ... I see fit to set the record straight and to stand up for myself ... I ask that Prosperity Bank Cease and Desist blaming their own employees for their mistakes and to stop putting small individuals like myself in very awkward positions setting ones like me up to fail at every turn ... Instead of de escalating this situation ... Prosperity Bank sees fit to paint me in a bad light as if I am a terrorist and makes a very vile effort to lead me like a lamb to the slaughter in this war of words ... It is awful ... In light of Prosperity Bank 's history of aggression towards me via many threats to charge me with over draft fees including verbal abuse by citing their policies at times that were not necessary and in light of how this bank has chosen to try to pin their mistakes on XXXX and their own employees and in the process also trying to lead me a very small individual bank account holder to the XXXX ... That's enough Prosperity Bank needs to cut this out they are out of control ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: CA

Complaint narrative:
I applied to rent an apartment today XX/XX/2020 and when they ran my credit, I was told that I was not eligible to rent an apartment because there was an account and several inquiries reflecting badly on my credit history. I had no idea what they were talking about but when I looked through my credit report I saw an account from a company called XXXX that I never opened. I don't know why this account is appearing on my credit report since it is not mine and I never allowed anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account. I do not have any written/verbal contract with that company and I never gave them permission to run or access my credit information. I have already filed a police report regarding these unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
Hello ... 
This message is to file a complaint against XXXX XXXX and First Source debt collecting agency. My father, XXXX XXXX, dob : XX/XX/XXXX, applied for XXXX XXXX credit card. Unfortunately, my father passed away on XX/XX/XXXX. XXXX XXXX did not respect the fact that my father died and began to harass me and my family if we did not pay the company. One of the options was to take over my father 's account. Therefore, I decided to take over the account because I did not want any trouble. When I first took care of the account, I was making payments on time because I was working. However, I was a full time student and with the impacts of Covid19, my hours at my work decreased significantly. I am a single mother of a ten year old boy with XXXX. I take care of him and I also take care of my mother who is XXXX. Unfortunately, I do not make enough to take care of credit card payments, utility payments, insurance, all of the financial obligation that I have with my family. XXXX XXXX and First Source debt collecting agency continue to harass me despite the fact that I have informed them to stop calling me. They call me when I am at  work, they call me before XXXX and they call me from restricted numbers. Please help me to solve this matter. Thank you, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We are writing in hopes that you may be able to assist us with an issue we are having with Wells Fargo Bank. 

We are a XXXX XXXX XXXX XXXX  in our tenth year of business, that has been hit during the pandemic. We provide musical theatre, acting and voice lessons, and also the opportunity for children to perform. This is a high-risk business as it involves singing, dancing, and acting indoors. As a result, we have not had children in our space since early XXXX, and are in the process of vacating our brick and mortar studio space as we try to hang on with an online platform. 

We signed a 60-month lease in good faith, for a copy machine with Wells Fargo bank. We have 42 months left on the lease of the machine and they will not let us return the machine or negotiate an early lease payout. We are well aware of the shady practices Wells Fargo has engaged in in the past and given the circumstances feel this is a cruel and unnecessary burden to put on a business facing the losses we are facing. The service company that provides the machine and supplies the paper is happy to take it back and cancel the lease but their hands are tied. 

The machine is an XXXX pagewide model # XXXX and is provided and serviced by XXXXXXXX XXXX   out of XXXX, Ct. The lease is through Wells Fargo at {$78.00} per month and they insist that we continue to pay for it for four more years despite that we have no use for it now. XXXX XXXX has been sympathetic and have lamented that many of their customers have received this kind of rigid hard-line treatment from Wells Fargo. Wells Fargo certainly didn't have a problem taking the bailout when they needed it from the government. 

If there is anything you can do on your end to persuade Wells Fargo to do the right thing and let us out of our lease, or at least provide a compromise buy out, we would be so grateful. 


XXXX XXXX XXXX, XXXX XXXX, and XXXX 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 non-monetary relief