vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing PayPal services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
the processor who screwed up my file, XXXX was fired two days after his mistake. 

The underwriter admitted they messed up as well as lender. 

Should of advised me Bc I reached out to to 2 other lenders who were able to access the file in less that 2 hours and notify me that the loan could not be done Bc of the foreclosure.

I had a 21 financial contingency and because of their gross negligence the day before closing I was notified that i was not going to be able to close the next day. I lost my $ XXXX in earnest money and could be sued for more Bc of the sellers time wasted with property off market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I tried to make a transfer into an account at Fifth Third Bank in order to cover a check I was writing. I initiated the transfer before writing the check, but the transfer, for some reason, did not go through. As a result, the bank charged me an Overdraft Fee when the check was paid. If the transfer had gone through, as I was led to believe it had, I would not have been charged the fee. The bank refused to reverse the fee, citing previous reversals within the last year. In fact, one of the two reversals had been miscategorized as a courtesy reversal, when it was in fact a reversal due to bank error, similar to the one that just happened. I believe Fifth Third bank is intentionally mislabeling fee reversals in order to extort more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: GA

Complaint narrative:
Contacted Lexus on XX/XX/2020, about bankruptcy that was reporting on credit accounts. The source of information was reported by Lexus Nexis I received a reference number from Lexus Nexis after contacting them-ref : XXXX. The 30 days passed that I was informed that they would investigate and sent me results in the mail. I contacted Lexus Nexis again on XX/XX/XXXX the I was informed their investigation was complete over the phone. I requested information to be sent to my address I never received follow up information. On XX/XX/2020, I requested a method of verification I was told I would receive information in the mail 30 days later they gave me reference : # XXXX I never received the corresponding information. I would like to request the account in question that I'm disputing with Lexis Nexis bankruptcy # XXXX and bankruptcy # XXXX be removed from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I had borrowed money from a former friend and she was repaid and she went to her bank and filed a fraud dispute with XXXX XXXX XXXX and they took back the XXXX which she lied about and stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I filed an complaint through the cfpb for my Aspire Credit Card. I told Aspire how they violated me by using their logo on communication and they said that it was their policy. So here I am again filing another complaint on how Aspire Cardholder Services violates me Aspire Cardholder Services are sending me bills with their logo on it and its alarming everyone I live with that Im in debt. 
Pursuant to USC 1692b. ( 5 ) and USC 1692f ( 8 ) it states that a debt collector can not use language or symbol on or in the contents of any information effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Also that content should not state I owe any debt pursuant to USC 1692b. ( 2 ) thats another violation. Aspire also violated me under USC 1692e. ( 11 ) none of the statements they send states that theyre attempting to collect a debt. Thats false and misleading. On my statements they all come in a positive balance. How can you pay on a positive balance!?? Pursuant to 1692e. ( 2 ) ( A ) the amount on the statement is always misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had borrowed money from a former friend and she was repaid and she went to her bank and filed a fraud dispute with XXXX XXXX XXXX and they took back the XXXX which she lied about and stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns

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 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I wrote a letter to them dated XX/XX/2020 and informed them that the debt was invalid and that I had paid XXXX XXXX in full. Their letter had XXXX XXXX on it so I assumed it was sent in error. They proceeded to continue sending letters and even tried to take a payment from my daughter who is a minor. It was my daughters ER visit that they wanted to collect the copay for. I continue to receive letters from them regarding this debt that was paid directly to the hospital. They are sending letters with interest due on them after I told them I wanted to deal with the hospital directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I want to formally issue a complaint about a change that America First Credit Union ( XXXX ) is making that will financially impact all of it's XXXX Checking Account members. They announced on XX/XX/2021 that they will be AUTOMATICALLY rolling EVERY checking account over to their Premium Checking account service, which comes at a {$6.00} a month fee if you do not meet their requirements to waive the fee. Some of the minimum requirements will require the account to maintain a {$1500.00} balance, have at least {$500.00} automatically deposited into the account monthly and have more than 20 transactions with their credit or debit card to waive the $ XXXX  monthly fee.

I understand that any member can call and have your Checking account moved back over to the free Checking Account, and they are also waiving the {$6.00} fee for the first 60 days, but it is NOT clear when they will roll people over, and my main concern is for ALL of the Elderly members and low income members that may NOT have access to media and will be unfairly rolled into these accounts and lose money. 
Beyond the fact that so many people will not be able to maintain these new premium standards to avoid the {$6.00} fee, members like myself that hold multiple accounts with them will now need to waste their valuable time calling into their call centers, which I'm sure will have extremely long wait times, just to make a change that should have been an OPTION not an automatic roll over. 
XXXX members should not be forced into paying a fee if they didn't get notified properly! We live in a world of spam email, and I am sure this type of notification will be easily lost by most members ( if that's even how they will notify people ). 
I was notified by XXXX  and then went over to XXXX to read more. As of this complaint I have not been notified at all by them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc.
State: NJ

Complaint narrative:
I have reached out to the debt collection company and the Credit Bureaus in reference to this matter. I believe they are both in violation of the ( FCRA ) Fair Credit Reporting Act. Debt collection agencies are not the original debt holders. Also there is a violation of HIPPA laws as it relates to a medical/surgical procedure bill. I have requested proof of the ( date of service/debt ) I was informed by this particular debt collection agency that they don't have the information. How can they allow this to be put on my report without providing proof of the debt. Again it shows a surgical center. This is medically related. Therefore any debt collection agency obviously isn't the original company who holds the debt. More importantly they claim they can't provide proof of the debt ; per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2021-01-28 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: AL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I was written a debt notice from a collection asset care for XXXX with a date of service of XX/XX/XXXX XXXX given an acc number XXXX The later is dated XXXX XXXX I just got the mail XX/XX/XXXX I have no knowledge of me ever owing any medical bills of such

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 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: TX

Complaint narrative:
This occurred on XX/XX/2021. I got an alert from my bank and Experian that someone had just ran my credit for an SBA loan at XXXX XXXX XXXX, XXXX XXXX, Tx. XXXX. I immediately called the Washington D.C. office. She ran my SSN and acknowledged that someone has put in a loan application under my social. She said she couldn't give me any information but told me to file a police report which I did, and also to contact you as well as the OIG.

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 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Hello- I attempted to make a large principal only payment for {$99000.00} online on XX/XX/XXXX. I had already made my monthly payment for XXXX on XX/XX/XXXX. However, Mr. Cooper ( mortgage servicer ) took my XXXX, XXXX payment out of my principal only payment first costing me an extra {$490.00} in interest payments that should not have existed. My mortgage should have been paid in full on XX/XX/XXXX making it so that I should not have owed any interest from XX/XX/XXXX - XX/XX/XXXX. 

I submitted a RESPA request to Mr. Cooper but they said because I didn't put a note on the {$99000.00} payment to apply to principal, their system took the XXXX payment out first. Please help me. 

thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Hello, I opened my checking account in XX/XX/XXXX with an opening bonus of XXXX dollars after a XXXX direct deposit. I think I have fulfilled all the requirements but I was denied a bonus. When I applied, the term says explicitly " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I have been a customer in XXXX and closed my account in XXXX which is more than 12 months. But TD Bank still refused to pay out the bonus. I am very unsatisfied with their resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

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 2021-01-28 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: AL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union based out of Utah has created a premium checking account. The program is an " Opt Out '' program where they automatically enroll all checking accounts at {$6.00} a month. Credit union members must opt out of the program or pay the month fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
I pulled my credit report back in XXXX and saw inquires that where not mine I sent out Certified letters to creditor and credit bureaus. I also talked to a manager with Equifax told me to fax my personal information and all inquiries but still nothing has been done. The actions kept happening on and off in XXXX no accounts where created but attempts where made. so I made up my mind to call the bureaus to handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They will not accept that its not my debt and they are now harassing me on my job, place of employment. I wish for them to stop harassing me at my place of employment Midland Company. They are very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

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