vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I was informed that in order to close my account I must have a {$0.00} balance. On XX/XX/XXXX, I transferred out my account balance of {$5100.00} as the first step in closing my account. Immediately after my account balance was brought to {$0.00} I was charged a {$25.00} " Service charge '' on the account due to having a {$0.00} balance. I received notice that the fund transfer was completed on XX/XX/XXXX and immediately contacted PNC Bank via secure message requesting to close the account. I was informed that it was now not possible to close the account that there was negative balance on the account as a result of being charge the " Service Charge '' by PNC. 

On XX/XX/XXXX, I again requested PNC to refund the service charge as it was documented that the XXXX balance was a result of taking the steps to close the account but I was never given the opportunity to close the account for the instant the account had a {$0.00} balance the service charge was applied to my account making it impossible for myself or any consumer to close an account without being charged a {$25.00} fee for having a {$0.00} balance. This is predatory trap by PNC

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
CAINE & WEINER ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
RE : Transunion Credit Report. 

I have several Credit Inquiries I have No Knowledge of requesting I have contact Via US mail the creditor and also Transunion To No Avail. 
These Inquiries listed below Were not Aurtorized by me and transunion or Creditor has not removed. 

XXXX XXXX XX/XX/2019 XXXX Unauthorized Inquiry XXXX XX/XX/2019 XXXX 2 unauthorized inquiries XXXX  XXXX  XX/XX/2019 XXXX Unauthorized Inquiry XXXX XX/XX/2019 XXXX 2- Unauthorized Inquiries XXXX XX/XX/2019 XXXX Unauthorized inquiry XXXX XX/XX/2019 XXXX Unauthorized Inquiry XXXX  XXXX  XXXX  XX/XX/2019 XXXX Unauthorized Inquiry XXXX  XXXX XX/XX/2019 XXXX Unauthorized Inquiry As I said I have contacted Via US Mail and Phone calls The Creditors and Transunion, Creditors had me contact Transunion and Transunion Had me call back Creditor, I feel they are Not acting Fairly with this. 

Regards XXXX 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 explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA decided to close my checking account and accounts linked to it such as my children 's accounts, of course this caused great amount of problems with items not being paid, direct deposits not going in and more. When I called to ask why after 30 years as a customer they are closing they said " we can close any account at any time without giving the customer a reason '', I reached out to CFPB, you reached out to them and they never responded. The prior complaint id is XXXX Please help, please advise. thank you

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 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a account with home depot that was charged off as a bad debt. I had them in dept management program. They later refused the arrangement and told me I had to changed my payment amount through the debt management after being on the program for 3 years. I tried to negotiate with them but too no avail they charged it off as a bad debt and disregarded all the payments that I had applied through my debt Management program. Now they keep selling the account to different agencies that continue to harass me. And keep updateling the charge off after 4 years now keeping it in my file where it will never fall off after the law of ten years. This is not fair to all 3 of my credit files. This seems like fraud against me as a consumer and harrassment phone and mail wise.

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 2020-02-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX ( AKA " XXXX  " ) HAS BEEN STEALING MONEY FROM MY PAYPAL ACCOUNT!!!!!!!!! AGAIN!!!!! NEW STEALING BY XXXX HAPPENING THIS YEAR!! ( 2020 ) Dear CFPB - I have to keep this brief - because I am suffering from problems with my XXXX!!!! & because I need to write other letters to other people about other things! I have filed more detailed complaints about XXXX before! I will file more detailed complaints about XXXX later! For now - I need to keep this short! 


I cancelled XXXX XXXX so-called " service " months ago! I made it clear that they were NOT - repeat! NOT!!! allowed to take any more money from my accounts! 


Apparently - - - XXXX  used a different merchant id to steal more $ $ $ from 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 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity 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 explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I received notice that my loan was transferred to Freedom Mortgage Corporation from XXXX XXXX on XX/XX/2020. On my first mortgage statement I was charged a fee of {$120.00}. There was no explanation for the charge. The last statement from XXXX XXXX did not include this fee and my XXXX payment of {$2500.00} was processed by the previous loan servicer on XX/XX/2020. After waiting more than an hour for someone to take my call, I asked the Freedom Mortgage representative ( XXXX ) to remove the fee and he stated that the fee was from the previous servicer ( XXXX XXXX ) and could not be removed. I was told that there was no way to credit the fee because it was from the previous servicer and no further attempt was made to resolve the issue. When I asked to be transferred to a supervisor, the call was disconnected.

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 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN TOOK THE INFORMATION FROM XXXX XXXX WITHOUT EVEN INVESTIGATIONS THAT 1 ) I NEVER CLOSE THE ACCOUNT AT MY REQUEST. 
2 ) HAD BEEN WITH XXXX  XXXX  SINCE 1992 FROM XXXX. 
3 ) ALWAYS PAID IN FULL EVERY MONTH ALL THESE TIME FOR 38 YEARS. 
4 ) LAST 2 YEARS WE HAD A DISPUTES W/ A MERCHANT ( XXXX   XXXX  ) FOR {$500.00} THAT NEVER FINISH THE JOB, JUST WALK OUT. 
5 ) XXXX XXXX NEVER FINISH THE DISPUTES. THEREFORE, UNABLE TO PAY FOR UNFINISHED JOB.

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 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity 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 explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: IA

Complaint narrative:
I recently started using XXXX XXXX  and noticed an account placed in collections with MRS BPO from the original creditor XXXX XXXX. I closed an account with XXXX XXXX about three and a half years ago. I was never given any final bills or notices about amounts owed other than what I received in my email as I was enrolled in paperless billing. I was NEVER given notice that this account was placed with MRS BPO and only found out about it due to the credit monitoring site. I have no contact information for the company and was not given instructions on how to dispute the debt. I attempted to contact the original account holder ( XXXX XXXX ) and was unable to obtain copies of my former account statements or get any information about the debt. I have no idea what these charges would have been for and was only given a phone number for MRS BPO by the XXXX XXXX agents. They told me to call XXXX to speak with another " department '' about the account. I called the number during the stated business hours and reached a recording stating they were closed and to call back during regular business hours. MRS seems to be a 3rd party debt collector and my credit score has been negatively impacted because of their reporting on a debt that I was never notified about and do not even think is valid. This has been reported as a derogatory account for 5 months and I can not speak with anyone to get it removed/resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Go Capital Holdings, LLC
State: GA

Complaint narrative:
This in not my debt it is due to identify fraud I sent information to company that is reporting debt company it is still reporting information to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
Allied put a collection from XXXX that I didnt owe allied or XXXX never called or sent me anything that said I owed I canceled XXXX in XX/XX/XXXX I called XXXX they said they made a mistake will contact allied they sent allied something saying it was paid but allied wont remove the mistake from my report it say it will remain until XX/XX/2020 unexceptionable I did nothing wrong allied never sent anything to my home or called me they said the did but that is a bold face lie!! They are scammers and liars and uses senior citizens like me Im going to get a lawyer if I have to but that has to come off my report allied collection service XXXX XXXX NV

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 2020-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
Fedloan, changed my Income Based Repayment from XXXX a month to almost 900. When I called and questioned they said I was missing paperwork and it was my fault, I questioned them about what paperwork and why I wasnt contacted regarding the missing paper they said it was a mistake on their end and that they will resolve. After speaking with an escalated case manager I was issued the difference of around 500 dollars, which I was told I was getting my refund back at the end of the month, now another representative actually laughed and said no it takes up to 50 days! I called again and was on phone for almost an hour because now it shows that my payment is late and that I owe them XXXX, I call and to no help and the representative actually questioned me to when Im making my payment and to reinstate my auto debit. I call daily and everyday I get a different answer and made to feel inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Statement attatched. USAA temporary credits listed XXXX+XXXX+XXXX+XXXX+XXXX +XXXX+XXXX+XXXX+XXXX+XXXX+ XXXX+XXXX+XXXX+XXXX tto begin the investigation HAVE NOT BEEN MADE PERMANET CREDITS JUST TEMPORARY TOTAL {$320.00} ( TOTAL PAYMENTS AND CREDITS this period {$450.00} ) AS TEMPS ARE NOT PERMANET APPLIED TO BALANCE YET ALL DATED XX/XX/XXXX. USAA REVERSES TEMPORARY CREDITS NEVER APPLIED TO BALANCE AS PERMANET CREDITS ( MAKING TEMPORARY CREDITS BECOME NEW CHARGES ) in amounts XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} Credit Reversals of USAA TEMPORARY CREDITS to begin investigations and they ARE NEW CHARGES??? See attatched XX/XX/XXXX Fraud Letter of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ALL THESE FRAUDS HAVE BEEN DISMISSED.?? IGNORED?? TOTAL {$150.00} FRAUD DISMISSED NO RESOLVE. NONE OF THESE TEMPORARY CREDITS APPLIED TOTAL CREDITS {$450.00} CREDITS APPLIED this period USAA MAKES PERMANET CHARGES OUT OF BEGINNING TEMP CREDITS in amount of {$160.00} AND DISMISSES CREDITS OF {$150.00}??? USAA DOES NOT RESOLVE FRAUD AND CREATES NEW CHARGES OUT OF TEMP CREDITS ALL USAA CREDITS ARE HIDDEN INTERNALLY FROM CONSUMERS VIEW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : have made. It is the result of identity theft. 
XXXX XXXX XXXX OPEN XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN XX/XX/XXXX {$4300.00} XXXX XXXX OPEN XX/XX/XXXX {$260.00} XXXX  XXXX OPEN XX/XX/XXXX {$660.00} XXXX  XXXX   OPENS XX/XX/XXXX {$1000.00} XXXX XXXX  SELF OPEN XX/XX/XXXX {$1000.00} XXXX  XXXX OPEN XX/XX/XXXX {$1300.00}

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 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAPITAL ONE is a result of identity theft there are multiple accounts attached totaling three ( 3 ) accounts. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX as well as XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
For the last few years, I have been dealing with an issue with capital One as far as credit card issues. If you years ago around XXXX or XXXX, my ex-girlfriend, XXXX, opened for credit cards in my name without my knowledge or agreement. She did this over the internet I believe, because I never signed for anything. after spending and overspending, I tried letting capital One a few times know that I didn't open these accounts and I am simply making payments on them until we can get things satisfied it situated. In that time, my ex kept using my card information. I ordered more cards so then I would have new cards so she couldn't use them anymore. My ex is going through a hard time and was struggling with many issues especially addiction. I haven't found her and can't tell you where she really is, but she has done this with me on multiple accounts. afterwards, while trying to make payments on these cards, I fell behind because I lost my job, and was injured, and there were a host of things. I submit multiple documents to capital One showing three or four different report I filed that my identity was stolen and that I did not in any way shape or form request to open those credit cards, and that I shouldn't be held liable for credit cards I did not request or digitally sign for. And that I did give them the information showing a file those complaints years ago. however, every time I contact at capital One, either I was transferred around over and over and over and over, or they will get upset with me and mistreat me and speak to me in a horrible and awful town. I am tired of going through this. And either I would like to try and settle these accounts so I can get them paid off and we can move forward so they stopped affecting my credit in a negative way in which they are, or I would like for them to be disassociated from my social security number and not associated with me at all, and remove him from my credit reports at once. Not many people at capital One have been helpful and usually they just end up attacking me after I've come to them multiple times seeking help for issues on something I had nothing to do with and didn't really know about. Either way, I wish somebody would help me out, I really need some help

Company response to consumer: Closed with explanation