vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After phone and wallet was stolen from out of my car. Bank of America allowed someone to make transactions adding up to {$4600.00} on my account without calling me to authorize a single payment! My accounts have since been closed except one account ( balance of XXXX ) that funds are being frozen for no reason. This is illegal. 

They said they would do an investigation ; they also sent me fraudulent paperwork dated XX/XX/XXXX, stating " We've issued a termporary credit for {$4600.00} while we conduct our research on your claim. '' Another document stating also a credit of {$1900.00} on XX/XX/18. And a third stating that they removed all of the before mentioned funds from my account. Remember all three documents were all created on XX/XX/XXXX, immediately after the freezing of my funds. 

They later determined stated that the refunds were not going to be given back to me even though I never authorized the transactions, my pin number was not used, and I was never alerted about an extremely unusual high spending of my funds. 

After checking my account, no funds had ever been deposited into my account. And the actions and dates mentioned on these documents are false. 



None of these

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 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I'm XXXX years old and I own a business so I realized I needed to get a credit card in order to start building my credit. I also work a 9-5 job as well. I was using my capital one secured credit card as normal and had put my account and routing number. Here 's where the problem occurred. When i mobile deposit my checks from work it gives me routing and account number. I thought that that was MY bank account numbers but it turns out it was my jobs bank account. Therefore, i put my works bank account as the payment method without knowing, put some monthly charges, hid my card, and didn't look at it for a while because i knew i had a recurring charge and was set up automatic payment. Everything was going smoothly and I was making my payments as normal. After about 3 months or so of having the card, I opened up the capital one app and realized my account was closed. I was extremely worried and confused because I know closed accounts are not good and this was very hard to get approved for. it turns out my works bank account managers saw these credit card payments and decided to return all the payments. Capital one obviously does not like this and closed my account for violating terms of service under " returned payments ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. (XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on CFCB about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified Adjustments, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I transferred {$220.00} to my sub account and another {$220.00} was taken out of my account and there was no transaction or anything it just disappeared. After spending 2 hours on the phone with different reps and having them add up all of my transactions one rep finally called someone else and I was then told that it was a known issue and they will open up a ticket

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Good Evening, I XXXX XXXX have paid a debt of {$190.00} to XXXX XXXX, Convergent, and I told them I need of a deletion letter in which they told me don't give, so it shows as paid on my Credit but I need it to be deleted. 
Thank You XXXX 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 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
ABLTY RECVRY- states that I have a past debt of {$890.00} this has been reported on my credit report with negative status and now sent to collections. At the time when I was seen as a patient I was recently released from prison and living in a half way housing before returning to the general population. I shouldn't have been charged any medical fees because all medical treatments are covered under the federal correction system and I also had medicaid coverage as well.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I recently tried to do a Temporary Lift of my Security Freeze with Equifax and was not able to complete it online or via phone, I kept getting a message saying 'Invalid PIN ' I know my PIN, I have my original letter from Equifax dated XX/XX/XXXX that clearly shows my PIN. 

Because of the 'Invalid PIN ' message that I kept getting, I had to call Equifax and find out why my PIN was not working. The Equifax rep that I spoke with said at first that I had my PIN lifted since XX/XX/XXXX. I said that was wrong, his information was wrong, I never did that. Then he said that my PIN had been changed when my address was changed in XX/XX/XXXX because I lost my PIN. I said that was wrong, his information is wrong again, I never lost my PIN, I have a copy of my original Security Freeze letter dated XX/XX/XXXX that clearly shows my PIN. He said again that my PIN was changed when my address was changed. I wanted to know why my PIN was changed without my knowledge, without my permission, without my consent, and why was I never notified of the change to my PIN and why was I not informed in writing of my new PIN. He said that a letter was sent to me in XX/XX/XXXX, I said that it was not, he was wrong again, I never received any communications regarding a change to my PIN. I had to ask him what my PIN is now so that I have it. I then requested a written communication be sent to me about the changes to my PIN, and a new letter be sent to me that clearly shows my new PIN. He said that he would send me a new PIN confirmation letter, and that I would receive in 7 -10 business days. It is almost 3 weeks later and I have not received a letter that clearly lists my new PIN from Equifax, or any communications regarding the changes to my PIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: AZ

Complaint narrative:
I currently have 76 inquiries reporting on my credit report on Experian that are without a firm line of credit. I have circle all 76 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.

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 2018-11-08 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:
The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This happened during the night of XX/XX/2018 on the website store of XXXX XXXX XXXX/ So I tried to purchase the XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX using the XXXX code to knock off 40 % from the full price of {$390.00} down to {$230.00}. At the shopping bag page, there was a promo advertising that if I opened a XXXX XXXX credit card that another 25 % off would be applied to the purchase, bringing down the final price lower to {$170.00}. So I opened a XXXX XXXX credit card account, and took the subsequent credit score hit from the inquiry. 

Once I tried to checkout though, the 25 % promo would not apply. So I called their customer service line and I was informed that, even though it was clearly advertised on their website in the shopping bag before checkout, that they would not honor this promo. 

I am attaching a screenshot of the shopping bag page that was shown to me during my transaction. Please forgive the added text for emphasis as this is the same screenshot I sent them via email to emphasize their misleading promotion.

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 2018-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I think that this school tried to attack me. 1. I did not qualify for the school. The requirement is a XXXX SAT when I only had a XXXX. 
2. I failed the placement test miserably and got no questions right. 
3. I could not afford first semester and my parents couldnt give me one cent so the school offered to waive some of it so I can start first semester. 
4. The school could not place a hold on the tuition because I had no money to purchase a hold on the tuition so the tuition will not increase each year. 
I think they hurt me by preventing me from city schools or other city assistance. They did not start my first semester in any kind of XXXX level. The school only would give me XXXX XXXX degrees. The school prevented me from increasing my XXXX  levels and did not offer options to gain XXXX skills to reach XXXX levels. The school limited my options towards success forcing me to only pursue XXXX using XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I changed my XXXX phone plan to a military plan and 6 months later, I received a bill that said I owed {$940.00}. When I paid my new plan I received a new phone. I was told all charges were taken care of and there was no additional charge by the sales person. I gave them my phone and received another one. Now, XXXX XXXX XXXX is threatening to ruin my credit. I have always paid my bill by automatic deduction and have never been late. I asked them to provide a copy of the contract and show me where I am in violation of the terms and why I was penalized. She was unable to provide. She checked the e-signature and said I never signed it. 

This is totally wrong ... I was told there was no additional charges as long as I received a new phone from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo refuses to honor Minnesota State Law to allow me to postpone the Sheriff sale of my house on XX/XX/2018 for the 5 month postponement allowed by state law.

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 2018-11-08 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several XXXX however I did authorize only 1 XXXX inquiry.

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 2018-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: ID

Complaint narrative:
XX/XX/XXXX I spoke with a representative of Equitable Student Loan Solution and was informed that this company would help in the Student Loan Forgiveness Program. Other family members and I were told that a discount would be applied for those who work with the government. Also, payments of {$49.00} would come out of my account monthly. On XX/XX/XXXX, I was informed by a representative of the Student Loans Processing department at XXXX that I was " not able to cancel out of the program because your contract was approved. '' The paperwork that was completed for the transfer of the student loans is what Equitable said the payment was for, which was transferred to XXXX. XX/XX/XXXX XXXX was paid in full, {$1300.00} ( Subsidized ) and {$1200.00} ( Unsubsidized ). Equitable Acceptance Corporation ( the first company to say payments would be made to them, but considered the third party company ) was paid ( {$1600.00} ) in full on XX/XX/XXXX. If I did not pay Equitable it would ruin my credit according to their employees because the paperwork was processed and I had to pay for the work that was completed by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Protocol Recovery Service, Inc.
State: FL

Complaint narrative:
Profilo recovery XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close

Company response to consumer: Untimely response
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX from Midland XXXX called early XX/XX/2018 at my place of employment and I told him to never call me at work again. 

Today, XX/XX/2018 XXXX has called me again at my place of employment. I again told him to never call me at work again and hung up. 

I have never used them before and I certainly would never use them to begin with. I have not received any notifications by mail that I owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 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: TX

Complaint narrative:
The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as 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 2018-11-08 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: TX

Complaint narrative:
The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several XXXX however I did authorize only 1  XXXX inquiry.

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 2018-11-08 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Equifax : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several XXXX however I did authorize only 1 XXXX inquiry.

Company response to consumer: Closed with explanation