vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surprise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

MACYS/DSNB, Account # XXXX, Date Opened XX/XX/XXXX You are even duplicating this fraudulent account on my report, which is completely affecting my credit score. Please delete these Duplicate fraudulent accounts asap!

This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XX/XX/XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these 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 2019-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
As of today XXXX XXXX, Wells Fargo Bank continues to retaliate against me and harasses me almost in daily basis. For instance but not limited to and from a recent incident Wells Fargo bank engaged unlawfully in invading my privacy. every harassment is recorded and it will be brought to court. Unfortunately, my tolerant efforts following role of law and due process to stop this companys reckless targeting, coercing, revenging, retaliating, discriminating, abusing, threatening, harassing, conspiring and blacklisting against now will be more public and in a court of law which this Company forced me to take them to.I am suing Wells Fargo Bank without waiving my rights and all stated herein is true and all herein is to my current states belief, knowledge and understanding and is subject to any change or correction of any kind at any time by me, the complainant, only or my representative without waiving my 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 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
Several family members received a very vague letter asking for my personal information like : Name, address, phone number, and place of employment. The letter does not say anything about debt or anything. I have no idea who this is or what they want. It doesn't seem like a legitimate letter. It gave a file number:XXXX. And a name and address that said attorney at law. I called the number and was put on with a man who refused to tell me if he is an attorney, where I am calling or anything about this. He just put me on speaker phone and I heard him and it sounded like a couple of women or children laughing and making fun of me asking questions. I could hear them clearly. They said the call was recorded. I called on XX/XX/19 at XXXX pm CST. He just kept insisting that I give him my SS # and address. I would never give that to someone who I have no idea who is on the other end. They kept laughing and making fun of me talking and asking questions so I hung up. The number is XXXX. The name at the top of the page is XXXX XXXX. I googled it and it came up Kohn Law Firm S.C . I do not know why or for what reason these vague letters were sent out to my family members but It seems very much like fraud or something illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I owed a debt to Citibank which handed the debt over to XXXX XXXX. XXXX took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from XXXX on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called Citibank to explain what happened by they just directed me to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/2019, Capital One called me to warn about possible fraud on my account. I was in Washington DC, in possession of the credit card, and someone in XXXX XXXX XXXX made seven purchases totaling {$1200.00} in the span of minutes, including two identical charges of {$570.00}. The representative canceled the card and advised me to destroy it, which I did. Capital One just advised me that a fraud investigation found that I did, in fact, make the purchases, because the merchant said my chip was used. I am not sure how the frauds copied my chip, but I have other credit card purchases on both XX/XX/XXXX and XXXX on my two other credit card accounts to show that I was still in DC, until the night of XX/XX/XXXX, when I was already due to travel to New York. I spoke with two Capital One representatives and was told there was no way of appealing the decision or opening another investigation, even though Capital One called me to alert me to the fraud in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX Global Client Solutions reached out to us offering to consolidate our debt with the creditors. They told us they were going to use our monthly payments of XXXX US dollars to arrange payments to our creditors to pay off our debt at the end of 42 months since XX/XX/XXXX. On XX/XX/XXXX of XXXX we received a notice from the Superior Court of New Jersey that there was a lawsuit being conducted against us. As soon as we received this we contacted the Superior Court and notified them we have legal representations from Global Client Solutions of our contract and the payments being made. We then contacted Global Client Solutions and told them that we had a lawsuit against us. They told us we don't need to worry about it, don't contact anyone, and don't worry about answering because they'll take care of it. Also they said they're not giving us a legal representation of what's going on. A week after this contact, Global Client Solutions contacted us back and asked for XXXX US dollars for twelve months plus the amount we were already paying of XXXX US dollars. They told us by New Jersey law they could go to our bank account and our paychecks to take up to 10 % of the money they want. We answered to them " If we had this money, then we wouldn't have needed your service. '' This was ten months into the contract in which we were paying XXXX US dollars to accumulate to an amount of XXXX US dollars. So we asked them what they were doing with our money since nothing has changed with our debt. The only thing that was done was they made six monthly payments which accumulated to a total of XXXX US dollars to XXXX XXXX not including the XXXX US dollars. They told us as well the administration fee was XXXX US dollars. However, they told us the money is being used for our creditors but they didn't pay anything other than the XXXX US dollars. We contacted the creditors ( other than XXXX XXXX ) and asked them about our arrangements that Global Client Solutions made and they told us they weren't contacted by anyone to make any arrangements. Afterwards we went to an attorney he we had a meeting with in which he told us to stop paying Global Client Solutions because they're not going to provide us with the service they told us about. He also advised us to file bankruptcy for us. We went on with this as a solution to the problem. The attorney told us there is no hope of getting the remaining balance we lost back which is XXXX US dollars. There was a disbursement of XXXX US dollars to our creditors plus XXXX US dollars in administration fees to Global Client Solutions. So with those two amounts we now have XXXX US dollars we lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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:
Using XXXX XXXX I found a card has shown up on my equifax credit report at the start of the year that wasnt mine. Card says its XXXX card service and shows a ballance over {$40000.00}. Card was opened 12 years ago ( i would have been 12 ... ) but just showed up on my account. Tried to contact equifax to dispute but got put through to an XXXX call center that would not email me any information and requested I fax them my drivers license and SS card. I dont have a fax and do not believe I need to fax out vital personal information to XXXX to dispute fraud in their credit teporting system. Equifax is making it difficult to dispute fraudulent items that im only seeing in their credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Every year I order a free credit report from Equifax, XXXX and XXXX. This year, I telephoned in my order to all 3 on XX/XX/XXXX. I received the requested reports on XX/XX/XXXX from XXXX, on XX/XX/XXXX from XXXX - but none from Equifax. On XX/XX/XXXX I made another request to Equifax. As of today, XX/XX/XXXX. I still have not had any response. Neither have I been able to find any other way to reach Equifax. In about XXXX I received a notice from them that my information had been accessed with that of many, many others when the Equifax database suffered a mass hacking, In mid-XXXX I had my first ever fraudulent charge on my XXXX XXXX account. Over the years my Equifax report has each year shown that I once lived in XXXX, N.J. I always notified them that I never lived there and they always responded that the address had been " recently reported, '' thereby taking no action to investigate. Now that I am somewhat more knowledgeable about using the Internet, I entered my full name complete with my middle initial ( I always use my middle initial ). I have found that there are more than 60 people with my first and last name in New Jersey, at least XXXX  of which lives in XXXX - or in XXXX, right next door to XXXX. My entry on the XXXX has whole lot of people also listed as being connected with me- only XXXX of whom is actually connected with me. I am XXXX years old. I am XXXX. I was born in XXXX, N.J. I have never been married or used another name or lived anywhere but in New Jersey. I believe Equifax has me confused with another person of my name. Perhaps that person has died and that death may have been posted to my credit report. If any organization seeks to access my credit record with Equifax they may get the response that I have died or that someone is impersonating me and attempting to perpetrate some type of fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2019, I called my bank, Discover Bank, to request a domestic wire transfer of {$1000.00} from my account into my boyfriend 's account. I was told it would be done in one business day. I assumed that maybe my boyfriend 's bank is delaying the release of funds because it's the first time. He called his bank and they do not see any wire transfer coming in. So today is XX/XX/2019 I called Discover Bank to see what's going on and I was told that they had tried to reach me around XXXX  regarding this transfer. I was told that the Federal Reserve is requesting additional information of the beneficiary, my boyfriend, and I need to give them this information for him to receive the funds. They need his Nationality, immigration status, permanent residence address, place of birth. I called them back and told them if I can cancel the wire transfer and I was told by another representative that the funds couldn't be returned until the Federal Reserve has the beneficiarys ' personal information. He is from XXXX XXXX. The amount is {$1000.00} and it's a domestic wire transfer. I don't see the need for so much information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2019 I went to Bank of America located at XXXX XXXX  XXXX XXXX, XXXX, CT XXXX. I spoke to XXXX XXXX a Relationship Manager. I had a check in the amount of {$21000.00} that I received from my mothers life insurance policy, I opened a savings account with said check. I asked how long would it take for said check to clear Mr. XXXX said {$5000.00} of the money would be released on XX/XX/2019 and the {$16.00}, XXXX would be released on XX/XX/2019. I didn't receive any money it's still on hold, I went to Bank of America XX/XX/2019 spoke to Mr. XXXX regarding said issue, he said a third party placed an extended hold on my money and said it will be released on the XXXX XXXX, 2019 but he would call me on the Monday XX/XX/XXXX to see if the money would be released sooner. Needless to say NO phone call from Mr. XXXX. I just want my money so I can pay for my mother 's funeral this time is difficult enough. Please help me get my money. This is so unprofessional and disrespectful.

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 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2019 I received a phone call from a company named XXXX XXXX XXXX, who say that they are collecting on a debt from Chase. They told me that they would send me the paperwork for payment, which I did not receive. The morning of XX/XX/2019, they called me back. I informed them that something didn't feel right, and that I wanted to look into their company. I was put through to the individuals supervisor, who was rude and tried to discourage me from looking them up. When I got off the phone, I contacted Chase, and they informed me that they sold my debt to a collection agency named XXXX XXXX, which is no longer in business. I have tried to look up this XXXX online, and can not find anything but complaints of scam. I then received an email from the company, from someone I never spoke to, with forms for me to fill out. Attached are those forms, which I have not filled out. Since then, I have received another call and they left a voicemail telling me that the lawyer has stopped by the office, to drop off my files. The amount they say I owe is {$910.00}, but have settled for {$900.00}. I am afraid that the company is trying to scam me. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is submitted on behalf of the borrower by her advocate. It appears that Bank of America ( BofA ) may have failed to comply with the Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act ( RESPA ) and Californias Homeowners Bill of Rights ( HBOR ). 

Said advocate submitted a written Information Request on XX/XX/XXXX. BofA did not acknowledge receipt in writing to the advocate or the borrower. The advocate called BofA on XX/XX/XXXX. A BofA representative explained that the request was denied because the Third Party Authorization forms signature didn't match their records. Please note, that the advocate had been speaking to BofAs management team regarding this borrower since XX/XX/XXXX ; upon approval of a one-year authorization executed on XX/XX/XXXX. 

It is the advocates understanding that BofA shall comply with RESPA if the written information request included the borrowers name and information to identify the account. It is also her understanding that if BofA decided to deny the request, they were required to notify the borrower in writing within five days. Yet, BofA dismissed the entire request without advising the advocate or the borrower, as notated above. 

The advocate conferenced in the borrower during the XX/XX/XXXX. The borrower verbally re-authorized the advocate. Per BofAs representative, the authorization would be valid until XXXX. He then advised that the XX/XX/XXXX request would be re-reviewed. The advocate called BofA on XX/XX/XXXX. She was transferred to three different representatives. The first representative claimed she was not authorized but transferred her to escalate. The second representative claimed she was authorized but transferred her to check the request status with someone else. The third representative claimed she was not authorized, so she should resubmit everything. The Single Point of Contact has never been available, as noted on the correspondence between the advocate and BofAs management, which appears to violate HBOR. 

The advocate submitted a Qualified Written Request on XX/XX/XXXX via U.S. Certified Mail. She submitted it to three different addresses, since BofA does not have a single address listed on their website, which may be another violation of RESPA. The advocate had one address from the time the Information Request was submitted but called BofA to confirm if it changed. The advocate was provided a different address, which explains the multiple addresses listed.

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 2019-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Direct
State: TX

Complaint narrative:
I received a call from the number ( XXXX ) XXXX - XXXX from XXXX XXXX, CA on XX/XX/2019. They told me I was pre-approved for a student loan forgiveness from Student Loan Direct. They asked for my name, my burthday, and for my FAFSA log-in information. The employer was XXXX XXXX. His personal work phone number is ( XXXX ) XXXX-XXXX He even asked me for my password for FAFSA, and I told him I did not remember, so he reset it for me and made his own password. 

He then told me my total loan amount was : {$38000.00} and after interest it would be {$61000.00}. He said if I made four monthly payments for {$250.00}, I would then be put in a program that would allow me to pay {$0.00} for 240 months. After the 240 months, my ENTIRE student loan would be pay off at the total of {$60000.00}. 

They then sent a contract to my email, and asked me to sign on the spot without having the chance to read and go through. They asked for a debit/credit card that I can make the monthly payments. They did keep repeating that they had nothing to do with the Department of Education and that they needed to submit my application first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Hello, I am having issues with the company ProCollect ( XXXX. XXXX XXXX XXXX, TX XXXX ) regarding an alleged debt from an apartment complex I moved out of on XX/XX/XXXX. In XX/XX/XXXX I received a call from ProCollect claiming that I owe {$820.00} stemming from a supposedly outstanding balance from XXXX XXXX XXXX XXXX XXXX XXXX, TX. Upon moving out from the aforementioned complex, I confirmed with the Lessor that my balance was paid in full. I was not contacted until almost 6 months later regarding the alleged debt. Since that time, I have submitted written & verbal requests that collection attempts be ceased based on my dispute of the alleged debt 's validity. I was instructed by the company to send proof via email, which I did. However, I received a letter today stating that my credit, ability to obtain employment, purchase a car or home, or qualify for further apartment rental may be " significantly '' affected if I do not remit payment to the collection agency. In my estimation, the continued attempts to collect after verbal & written demands to cease & desist have been made stands in violation of my rights under the FDCPA. This company appears to be incredibly unscrupulous and has continued to harass me via phone calls from various phone numbers with repeated calls, despite my formal request to cease collection attempts.

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