vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
I never received any notification from Midwest Recovery Systems that I had an outstanding debt. I was notified by XXXX XXXX that a new account had been added to my XXXX  credit report. 
I proceeded to contact the medical facility that was listed on XXXX XXXX 's site as the original creditor and they have no account for me on file. They also mentioned that they do not use Midwest Recovery Systems as debt collectors and that they use two other companies instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a checking and savings account with US bank in 2018. When I opened this account I opted OUT of their overdraft coverage. Months later my account over drafted and I contacted the bank to say again that I had opted out of their overdraft coverage and that if there was no money in the account nothing even for {$2.00} should clear this account. 

US Bank repeatedly ignored my requests and overdrew the account again after I'd cleared up their first round of fees. This time the account fees snowballed until they charged off the account and sent a collection amount to the tune of XXXX to Consumer reporting agency XXXX  and even labeled it as a abuse! I rarely ever used this account. There's no way I could have abused it. 

Consumers have the right to opt out of debit coverage that causes their accounts to be overdrawn.

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 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I previously closed Chase account in XX/XX/XXXX but it had to be re-opened due to Chase 's error and needed to deposit Cashier 's Check and wait for it to clear per XXXX, Chase XXXX, IL Banker. 

I AM BEING IGNORED AND CHASE DOES NOT CARE. 
On XX/XX/XXXX I called Fraud re : below and XXXX in Chase Fraud Dept. refused to place Frauds but transferred me to disputes and I held over an hour with no answer. 

On XX/XX/XXXX I called and tried to place Disputes and the Chase Customer Service agent kept clicking loudly and refused to allow me to place disputes. 

On XX/XX/XXXX I emailed XXXX XXXX, Chase XXXX XXXX Banker the below : Also received Letter that Cath match {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} {$32.00}. 
is {$56.00} {$280.00} XXXX XXXX {$49.00} XXXX {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} Lot XXXX XX/XX/XXXX {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me. 
Please credit my account and advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony bank closed my account said my score was XXXX I have a 100 % pay record never been late

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 2020-04-20 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: FL

Complaint narrative:
Since XXXX I have disputed accounts with XXXX  XXXX  and Transunion. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX XXXX XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.

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 2020-04-20 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: FL

Complaint narrative:
Since XXXX I have disputed accounts with XXXX, Equifax and XXXX. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX XXXX XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: NV

Complaint narrative:
These are not my accounts. Please remove them as I was a victim of Identity Theft. 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 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CREDIT COLLECTION SERVICES # XXXX*was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT COLLECTION SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT COLLECTION SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT COLLECTION SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT COLLECTION SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ULRS, Inc.
State: CA

Complaint narrative:
I have received numerous phone calls from XXXX XXXX, United Legal Group, XXXX / XXXX ext XXXX regarding his attempt to collect a debt from someone not at this number. I have instructed him both on the phone while speaking to him and by voice mail to cease and desist calling me about this matter. This is clearly regarding an alleged debt by someone who does not reside at this residence. 

So far this month alone : XXXX XX/XX/2020 - Received phone call from XXXX XXXX and told him to stop calling. 
XXXX XX/XX/2020 - Received phone call from XXXX XXXX on my answering machine. 
XXXX XX/XX/2020 - Spoke with XXXX XXXX and specifically told him to stop calling. 
XXXX XX/XX/2020 - In response to yet another in a series of recorded phone calls, I left a voice mail at the provided number and told him to stop calling. 
XXXX XX/XX/2020 - Received phone call from XXXX XXXX on my answering machine. 

I have recordings of his phone calls as well as pictures of the caller id showing dates and times of his phone calls after being told to cease and desist calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I had many fraudulent charged in XXXX and XX/XX/2019. Imagine 55 per day for the same amount of {$96.00} and this went on for days. Their security department didn't pick it up. I reported this in XXXX but every month they continue to post these charges on my account. I have to call them every month to ask what my payment should be. 
On y last statement they charged me interest on the unpaid fraudulent charges. I started trying to call, Fist call on hold for 42 minutes, the disconnected. Startyed sending emails to the fraud department. No response for 6 days. Called agin and disconnected after a 58 minute hold! 
Finally after contacting the parent company I got to talk to a human being but? 
Incredibly horrible customer service. Unbelievable. No one is concerned. How do these people continue in business. 
Costco Citi card.

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 2020-04-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo and fraudulent debit card transactions. 

I noticed a number of debit transactions on my Wells Fargo checking account. I cancelled the card and reported the transactions. I rarely use this account and the transactions date back more than 60 days. I Understand that all transactions beyond 60 days are not usually returned. 

Wells Fargo credited my account for {$420.00} and {$13000.00}. The {$420.00} became final and then Wells Fargo alerted me to the larger dollar amount. I finally went through the account and found more charges to another vendor and reported an additional {$6400.00} I called to check on the {$6400.00} amount and Wells Fargo told me I withdrew the claim. 
They refuse to call back, email back or contact me in any way. 

The vendors are credit card processors for consumer-facing bitcoin sites with horrible online reputations. XXXX and XXXX XXXX. I filed a police report and a report with identitytheft.gov. I sent Wells Fargo the reports. 

I spoke briefly with the high dollar fraud rep who claims to have evidence proving it was me that made the charges, however, this was a debit card and the was never used. They said they would escalate my claim to the executive office. They did not and now they have debited me the {$13000.00}. 

The totally amount of fraud was over {$28000.00} with approximate {$10000.00} more than 60 days old at time of reporting. 

Please note the following : Claim numbers are XXXX & XXXX XX/XX/XXXX, to XX/XX/XXXX ( day before the first XXXX  transaction posted ) the account posted a TOTAL OF 114 TRANSACTIONS. 

XX/XX/XXXX to XX/XX/XXXX, a total of 231 transactions. The only difference in the pattern is transactions to XXXX and XXXX The dramatic increase suggests fraud. The spending patterns do not in any way correspond to the account history From XX/XX/XXXX, to XX/XX/XXXX, ZERO transactions with either merchant, XXXX or XXXX. 

From XX/XX/XXXX, to XX/XX/XXXX, 151 Transactions combined between the two merchants XXXX & XXXX in the amount of {$28000.00} Thus the Wells Fargo conclusion that suddenly on XX/XX/XXXX, I decided to patronize two extremely disreputable Cryptocurrency merchants constantly for the next 93 days without a pin number for nearly {$30000.00} is not credible. At least 10 of these transactions occurred while I was not in the country or on an airplane. 

Wells Fargo claims I withdrew the dispute but it is Wells Fargo who are denying my credit. 

The people responsible for this mess are XXXX and 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 2020-04-21 00:00:00
Product: Mortgage — FHA mortgage
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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I called mortgage company in XX/XX/XXXX to ask for Temporary Hardship application due to COVID-19. At the time I was told that mortgage payment for XX/XX/XXXX was already in process, but to put a cancellation on electric payments on payment for the month of XX/XX/XXXX. I was asked to fill out application and that someone was going to give me a call and not to worry because this information wasnt going to be report to my credit. However, until this day I havent receive a call from anyone representing this company. And the company already reported the information to My husbands and my credit report affecting my credit report. When I called today XX/XX/XXXX asking why this was reported? I was told again to wait for someone to call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is an update to existing CFPB complaints XXXX, XXXX. 

I spoke to the credit card customer service department of Bank of America. 

They indicated that my account had a feature called " Auto Debit '' is active. This " Auto Debit '' system is supposed to pay any statement balance pending on the due date. 

My XXXX statement balance was {$3900.00} Payment due date : XX/XX/2020. 
I had paid {$3600.00} as of XX/XX/2020. 
I made a payment of {$370.00} on XX/XX/2020. 

As per the credit card statement, following are the wordings " AUTO PAY ACTIVE - Your payment of {$3900.00} will be automatically deducted on XX/XX/2020. '' I called the credit card customer service department to dispute the {$940.00} payment that showed up in credit card account. Since there was no trace of any deduction from my checking account. 

They denied knowledge of which account money was coming from and closed my credit card and ordered a new card. This is a flaw. The customer support specialist is unaware of the way banking works or pretended to have no knowledge. 

Today, when the credit card department transaction overdrew my checking account, customer service representative said they will charge an " insufficient fund fees ''. 

I disagreed and talked to the manager. The manager agreed to the fact that they will not charge any insufficient fund fees.

However, the manager was non-committal about the flawed logic used by " Auto Debit '' to try and deduct any amount beyond what is owed as per the XXXX credit card balance statement the was due on XXXX XXXX. 

The manager said they would remove the auto debit from my account.

But I am concerned about this predatory logic that could effect thousands of other credit card customers like me. The bank must abandon such practice and only deduct the difference between statement balance and amount paid already. 

I have file a police report with XXXX, California police department Report number 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 monetary relief
Consumer complaint received 2020-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX, I was informed that my vehicle would show as a XXXX ( {$0.00} ) amount owed, if I provided details on my car which was totaled by a truck driver on Interstate 94. The cost that I owe based on what the auto dealership manager stated I would I owe after providing the police report, details on the junkyard who confirmed the vehicle as totals, and other details, the promise was to XXXX ( XXXX ) out my account. After I complied, soon my phone calls were ignored. 

Once I confirmed even after a year later there was no follow through by XXXX XXXX XXXX XXXX, a complaint was made to Attorney General 's office. Again, XXXX XXXX requested pictures with no action on the initial promise. 

Additionally, a request for an update to XXXX, XXXX, and TransUnion with no resolution on XX/XX/XXXX. On XX/XX/XXXX, TransUnion replied with a status of " Unknown, '' which is not an answer at all. 

Now that it was not handled after two years, I am requesting finalization.

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 2020-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.

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 2020-04-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.

Company response to consumer: Closed with explanation