vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In XX/XX/XXXX, I received a XXXX XXXX Visa card from XXXX XXXX  where I did all my business at the time. I was a XXXX XXXX XXXX. From XX/XX/XXXX until this incident I was never late a day on my credit card payments, as is borne out on my credit report. In fact, over 44.5 years and millions of dollars of payments I never was a day late that whole period of time on ANY payment! 
In XX/XX/XXXX, XXXX suggested I consider paperless billing, for which I signed up. I NEVER RECEIVED EVEN ONE STATEMENT AGAIN! I kept this card in a wallet in my glove box of my car just for emergency purposes, so it wasn't something that was top of mind for me to remember, plus I am a XXXX XXXX and frankly due to age and medications there is a lot I don't recall immediately. In XX/XX/XXXX, I did receive a letter from XXXX telling me I had a balance due on my credit card, so I immediately called XXXX and gave them a checking account number and routing number to my personal checking account to pay the balance due, which they did. Later they told me that the payment that I was making from my checking account was just for that payment, while I thought the checking account number was there to pay ANY balance that might appear on the card. In fact, when this incident happened and I called XXXX the system asked me if I wanted to pay the balance due with my checking account " On file ''! 
On XX/XX/XXXX, I received a notice from XXXX stating that I had a {$300.00} balance on my credit card, and that {$130.00} was due on XX/XX/XXXX. ( See attached screen shot of that notice ), yet on the day before, XX/XX/XXXX, XXXX REPORTED TO THE CREDIT BUREAUS THAT I WAS 60 DAYS LATE!!! 
XXXX  never contacted me to tell me the balance was even due. I received no email except the one telling me  my balance was due on XX/XX/XXXX. I received no phone calls as the phone number XXXX was using was disconnected years ago. I received no postal mail that I can recall, but I believed I was on paperless billing anyway so I wasn't looking for anything from XXXX Bank. ( I have attached screen shots of the email on my email server for the periods in question and one can see the only chase notification that came through was the notice that the balance was due on XX/XX/XXXX ) Clearly, if I received any notice at all that there was a balance due I would have paid it, but I had no knowledge there was even a balance on the card due to paperless billing NOT WORKING! ( I have attached a screen shot of an internet blog which states that many others were having the same problem with chase paperless billing )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
what happen was some unknown person or person [ s ] stole over XXXX of my money from my bank of America account.the identity thief seems to have originated from a company call XXXX which I previously brought a item or two in the past. I did not notice these amounts missing since I don't regularly check my account, because I never had this type of thing happen before, since bank of America would text if they suspect something was not quite right about purchases or debit amount, but not in this case. I check my account the XX/XX/XXXX and notice my money was gone. I immediately call bank of America and told them of this breach and I also contacted XXXX about this thief. Bank of America assured me they would investigate this matter and they would give me a temporary credit until investigation was complete. Than shockingly they reverse my temporary credit as they were not sure of the fraud .I been a loyal customer of bank of America for many years and felt like I been victimize twice as if I was some how negligent in the thief of my money. I wish this did not happen since my money is important to my family and bills. I am requesting all moneys be return to 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 monetary relief
Consumer complaint received 2019-12-31 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2019-12-31 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-12-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank stopped my checking account for no reason I've done my best effort to speak with Citibank 's fraud department but has gotten no reasonable answer so far. First, they did not even notify me about this account freezing. So my credit card payments and checks were all returned or rejected. Now I have to pay all the late fees and returned check fees. I realized my account was blocked because one of the credit card companies called and told my account was blocked. 

What's the best course of actions to reimburse this damage done by Citibank? The amount is not a lot, but I think this is completely unfair and they need to provide an answer why the account was blocked in the first place.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Note : I had this bill paid down to {$400.00} dollars. I have been out of work off and on for two years now job terminated and others jobs terminated as I am in court over my job. Anyhow fees have been added even though I have not been working and I am on XXXX XXXX assistance ( I have even been homeless ). I tried to talk to this company in the past and they are not reasonable about this bill. They are reporting it to my credit report which has hurt my scores tremendously. The company has not presented the paperwork showing the total of the bill and how it is calculated on their end. Please help me resolve this matter. 

{$820.00} Reported balance Original balance {$820.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/2019 ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX SPEEDYCASH COM XXXX TN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
The following accounts are a result of identity theft and the person that committed the theft is now deceased which is how I found out about the theft. A cousin with the same first and last name that I was trying to help with XXXX XXXX   issues stole and used my social security number and made several visits assuming my identity. I have filed a complaint and had my report pulled as soon as this was disclosed to me however according to the police department I have no further recourse since the thief is deceased. 

I am asking for the above mentioned to be considered for the following accounts. CAPIO PARTNERS LLC XXXX {$930.00}, CAPIO PARTNERS LLC XXXX {$77.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I purchased an item from XXXX clothing company in XXXX. Due to very slow delivery I received the item the same time I got a statement from the store credit card. I immediately sent the item back to the company and did not pay the bill due to the fact that the item was returned and that was the only item on the statement. I recently received a new statement with the previous purchase amount and an additional fees. I only owe for current amount in XXXX which is {$40.00}. There should not be an additional {$50.00} in fees to the account. I also asked for account to be closed with proof. The company refuses to correct bill and close account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I had XXXX insurance at the time I went to XXXX. I paid my {$10.00} deductible. No XXXX   work was done at all. The bill would have been turned over to my XXXX insurance carrier. That is the XXXX office job to get that done. I have sent numerous letters, copies of the bills. XXXX XXXX  has a history of doing this to people. Their is a trail of same thing over and over. Please see this gets removed from my credit report and a letter sent to me it has been cleared. Thanks.

RADIUS GLOBAL SOLUTIONS Last reported XX/XX/2019 {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/2019 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX CONTACT INFO RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019. Chase Bank informed me that my account was restricted and that they would be closing my account within 7-10 business days. I had an application for a secured credit card with XXXX XXXX XXXX  for the amount of {$200.00}. The application never went through I demanded a refund XX/XX/2019, which I confirmed with a representative from Chase I would receive it in my account before the account closed. Chase decided to close my account and the wire for {$200.00} was sent, I am told by XXXX XXXX XXXX. The problem is Chase is telling me that they never received the wire. Both banks are sending me back to the other. XXXX XXXX XXXX gave me a transaction ID number for the wire and they claim they sent the wire out. Chase claims they cant find the transaction ID number and a wire was never sent to my account. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
I have been using Transferwise, Inc. for 4 months without an issue, but all of the sudden they, wthout reason, fraudulently deducted money from my account and will not refund the money. This is the case for 2 and possibly 3 trasactions. The items marked in red on the first page of the package that I included with this complaint are the transactions in question. 

Transferwise will not give me a reason for why they deactivated my account, nor will they give me contact information so that I can deal with someone with Transferwise, who can handle this, in order to resove the issue. The emails from Transferwise Support also state that they can't even contact anyone about this to get info or to try to resolve it. 

Business behaving in this manner should not be allowed to operate and should be held fully accountable for their actions and damages. 

Sincerely, Victimized Business Owner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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:
home to XXXX of XXXX I was XXXX  and put in federal XXXX  at that time I had a checking and savings account with a balance on each I don't remember what it was with Bank of America during the next over two years the social security direct deposit in my account total of over XXXX my beginning and ending about my beginning balance and the interest when I got out of XXXX   in XXXX I should have had approximately {$40000.00} when I got out they notified me that I owe them {$510.00} I found a complaint with y'all about this and I'm not satisfied with your response they did not send me all of the itemized off of my account they didn't send me a year 's worth from XXXX until XXXX when they closed it but they didn't send me the last year automatic accounts of a fraud the bank fraud and forgery and other wire fraud mail fraud that took place in my account that they allowed during that time frame and they will not send me any canceled checks they knew that the checks were forged because my signature was not on the check somebody else for them they're six different individual names that I have now listed in a criminal investigation the FBI may be looking into it I don't know eventually it will probably be turned over to the FBI now if they don't have that information they knew from XXXX when I call them from XXXX federal XXXX  that something criminal was going on in my account and if they destroyed anything they destroyed evidence in a criminal investigation and at the same time they will not cooperate with me at all on keep giving me the run-around now I will put this in the media there are different media sources XXXX and some others that want to interview me about this and if they there may be hundreds of thousands of people withdrawing and closing your account with Bank of America

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 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WSFS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted them, because I authorized a transaction into my bank account through XXXX. XXXX mistakenly sent the money to a different bank not associated with my account. I contacted this bank and they basically told me they couldnt help me because the money was sent into one of their customers accounts. They then proceeded to tell me that Id have to reach out to said customer. I asked them how I could do that and they told me they legally can not disclose any information and they couldnt help me with anything. I dont know how Im supposed to get MY money back from them when they are refusing to help me nor do I understand that they know the money was sent into an account but are telling me they dont know who and cant help me find out.

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 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This complaint is being filed regarding an excessive hold delay on the availability of funds from a check deposit. On XX/XX/XXXX a check was deposited at a local Bank of America branch ATM for {$10000.00}. After depositing the check the ATM displayed a message which was also included on the printed receipt which stated a hold was placed on the deposit which would delay the full amount until XX/XX/XXXX. 

I parked and went into the bank to seek a resolution with someone in person. The teller stated she was unable to do anything and simply gave me the phone number of a Bank of America customer service line to call. This was written on a Post it note. What a joke.

The check has cleared from the originating bank ( it was a check written from my business account at a different bank to my personal account at Bank of America XXXX. I called the customer service line today to see if the hold could be released or the process sped up since the {$10000.00} is already gone from the originating bank account. The person I spoke with via BOA customer service stated that nothing could be done, and I would simply have to wait until XX/XX/XXXX for the funds to be available.

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 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. My loan number is XXXX for the property at XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX The last four numbers of my social security number is XXXX. My home address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX, My phone number is ( XXXX ) XXXX My email address is XXXX On XX/XX/19 I wrote a check to Fay Servicing, XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX my mortgage servicing company for {$19000.00}. This payment covered 2 mortgages with an extra {$100000.00} for principal. The {$10000.00} was clearly marked for principal on the payment slip. This check was check XXXX. 

Fay servicing made an error and applied the whole amount to payment. They said I do not have to make another payment until XXXX.. I told them I want the {$10000.00} applied to principal, as originally requested XXXX said that they would correct the account. XXXX advised me to throw out the current statement and wait for a new corrected statement in the mail. I did not get a new statement until the end of XXXX. This statement has a late charge on it of {$24000.00} I do not believe I should have to pay this late charge. I was unable to pay the XXXX mortgage payment on time as Fay Servicing had not yet corrected their records and were stating that the mortgage was paid up till XXXX. At no time during my conversations with Fay Servicing was I advised that I should make another mortgage payment in order to avoid a late fee, I believe Fay Servicing should either waive the late fee or pay it to the lender themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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 non-monetary relief