vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2021, I went to my bank, People 's United Bank at XXXX XXXX XXXX XXXX XXXX Every other week or so I deposit money to my checking account to pay bills. I went through the drive up ATM and deposited {$520.00}. The machine started tallying up the amount and I specifically remember seeing the counted amount of {$490.00} on the screen. The machine then proceeded to kick back {$39.00} then told me of an error and that I would have to contact my provider. Unfortunately, I did not get a receipt with the error code information. I then re-deposited the {$39.00} to my account right after which appears on my account transaction. There was no deposit for {$490.00} on my account. I circled back around to the parking lot and go into the branch to tell them what happened. They provide me with a Customer Service number ( XXXX ) XXXX and advised me that they were going to call XXXX who is the third party company that services the drive up ATM. I then go to the parking lot and call customer service and spoke to XXXX. He creates a case number for me and then sends me over via email an affidavit to file a claim advising to complete and send back. While I'm on the phone with him, in my rear view mirror a XXXX truck comes into the lot to do their process of counting fund. In my research I understand that ATM 's usually have 2 divert bins at which time, some workers do not check both and only check one bin. 

On XX/XX/2021, I proceed to a XXXX to complete the affidavit and fax to People 's United Bank which I received a confirmation of successful completion. On XX/XX/2021, I called customer service for a status and spoke to XXXX. She informed me that XXXX balanced their ATM and that they are disputing my claim because their ATM was balanced. XXXX noted that the were going to send a 2nd appeal to my bank and to check back on XX/XX/2021. I placed an additional call to customer service on XX/XX/2021 and spoke to XXXX who told me that they had sent an email to People 's United Bank and to allow a few days for processing and review since to date, they had not heard back. Today, XX/XX/2021, I receive an email from People 's United Bank indicating that they will not refund me the {$490.00} XXXX lost at that ATM for deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2021 I ordered an official check # XXXX which was to be delivered to a landlord for rent. In late XXXX, I became aware that the rent had not been received and I contacted USAA to troubleshoot. 
USAA told me that XXXX was the vendor that they contracted to deliver the check. I contacted XXXX and in early XXXX was told that XXXX had officially lost the package based on the tracking information. 
I then called USAA and asked them to refund my funds because the check had been lost. I was told that a Declaration of Loss and Indemnification form had to be signed and that it would be 90 days for the date of the check issue before my funds would be refunded. USAA prefilled the form, I signed it and uploaded it to the documents section on their website. Within a couple of weeks I received a letter stating that USAA had rejected the form. Since that time I have called USAA several times and re-signed and uploaded the document several times but USAA has not refunded the {$1700.00} that should have been deposited in my checking account on XXXX. I spoke to a USAA XXXX on XXXX and I was assured that the issue would be resolved or that I would be contacted on XXXX, but that never occurred. I told USAA that I had sent replacement funds to the landlord in XXXX and that if the check was cashed it would be a fraudulent activity. To date, USAA has not informed me that the check was cashed. Instead they falsely claim that the documents I sent have no signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus XXXXre reporting inaccurate information on CREDIT ACCEPTANCE CO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
XX/XX/ My wife and I have a joint checking account at Citizens Bank. On XX/XX/, my wife deposited {$2900.00} in cash at an ATM of a branch office. During the transaction, the process hung, and a teller told my wife she would come out and resolve it. The teller and others from the office could not retrieve the debit card but saw that the cash was deposited. A 'DDA Statement Inquiry ' was printed out for my wife to acknowledge the ATM deposit of {$2900.00} and the balance on the account was updated as such. 

On XX/XX/XXXX, I paid a mortgage. My account should have had plenty of funds in it, but then, to my surprise, I received a notification by email that an 'overdraft line transfer ' occurred. On reviewing my account, I learned that on XX/XX/XXXX, Citizens bank made a 'Debit Memo, DDA Debit ' of {$2900.00}, which is a reversal of the deposit made on XX/XX/XXXX. 

I called a customer service line at Citizens Bank and asked what had happened. After about an hour of confusion at Citizens Bank, the best the person could do was open an investigation. He admitted that there were no notes or records that would justify taking the money. 

A few days after XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) from Citizens Bank stating that they completed their investigation and based on the information you provided and the documentation available to us, we concluded that the nature of your dispute is unclear. As a result, your claim is denied. 

On XX/XX/XXXX, my wife went and spoke to the branch manager and asked about the status of returning our money. The manager didn't know what my wife was talking about and did not see any debit of {$2900.00}. When my wife returned and told me, I realized there was a severe problem, took an hour off from work, and went and talked to the manager. When she reviewed the account, she immediately saw that her office had debited {$2900.00} from the account. She had no explanation. She said she would look into it. I asked how long it would take? She said ten days. I said that is nonsense. She said, 'give me two days. ' I did not hear back from her. I called her on XX/XX/XXXX, and she was not available, so I left a message. She returned the call two hours later but didn't know who I was or why I was calling. I reminded her, and she said she would look into it. 

As of XXXX, on XX/XX/XXXX, I have not received a status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE, XXXX, XXXX, XXXX, XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
On XX/XX/2021 at XXXX XXXX, I spoke with Amsher Collections via telephone number XXXX regarding a hit on my credit report not belonging to me. During the conversation with the creditor they told me the account belongs to someone other than me and that they could not discuss the details with me. I asked to speak with a manager and got XXXX XXXX XXXX who identified himself as a manger. I told XXXX I was in the process of buying a house and that this falsely reported tradeline needs to be removed from my credit immediately. He told me the account does not belong to me and the only way I could remove the account is to contact the credit reporting agencies. I further explained to him that their company is knowingly falsely report on my credit which is against the Fair Credit Reporting Act and he told me there was nothing he could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: IN

Complaint narrative:
my card has been misplaced on the other hand its been difficult to contrast with company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: UT

Complaint narrative:
Rise account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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: FL

Complaint narrative:
THESE HARD INQUIRIES LISTED HAVE BEEN FRAUDULENTLY PLACED ON MY CREDIT REPORTS. I WAS A VICTIM OF IDENTITY THEFT AND NEED THESE REMOVED FROM ALL 3 CREDIT BUREAUS ASAP. 

XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: UT

Complaint narrative:
XXXX account was opened in my name, however it was a result of identify theft. Reports have been filed and original company even verified it was fraud and removed the debt then continued to sell the debt to a debt collection agency and re add it to my report. Please tell them to cease trying collect on this account which is not mine and removed it from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Capital one Travel rewards booked me a room in NY on Friday XX/XX/XXXX to the XXXX at the XXXX in XXXX. When our family arrived in XXXX to check in the doors were locked and the hotel was closed. After hours on hold I was informed that the reservation was cancelled ( not by me ) unfortunately this took another few hours for them to confirm. There response XXXX at customer line, Im sorry there is nothing we can do. After more time and countless attempts to speak with someone who could rectify I was informed that is is capital ones policy that it could take up to 15 days to get a manager. They let me know that it was cancelled by their third party vendor XXXX XXXX! Neither of which Capital one or XXXX informed us the customer. They blatantly lied and informed me the sent email, which was never done. Leaving my family stranded in XXXX without a room on busy leaf season. They refused to help or return calls with a resolution except its not our fault. We missed scheduled events and the inconvenience was aggravating. So not only did we not receive what we thought would be a nice get away in a quality hotel. We had to come out of pocket, additional expense, time, aggravation and plenty of frustration! Companies should not be allowed to operate in this manner, leave their customers with out any kind of compassion when they are 100 % in the wrong. They should be ashamed of this, especially when it could have been easily rectified by allowing me to speak with someone who actually cared and could fix immediately by reimbursing me for a room I did not want but needed because Capital one created the problem in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company pulled my credit report for a pre approval to see what I qualified for regarding buying a home and has not properly communicated with me. They pulled my credit on the XXXX of XXXX and I have had to call them to see what is going on with my application, because they pulled it and never reached out to me on next steps.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: UT

Complaint narrative:
XXXX account was opened in my name, however it was a result of identify theft. Reports have been filed and original company even verified it was fraud and removed the debt then continued to sell the debt to a debt collection agency and re add it to my report. Please tell them to cease trying collect on this account which is not mine and removed it from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: GA

Complaint narrative:
Credit reporting agencies, creditors, and collection agencies are in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: FL

Complaint narrative:
THESE HARD INQUIRIES LISTED HAVE BEEN FRAUDULENTLY PLACED ON MY CREDIT REPORTS. I WAS A VICTIM OF IDENTITY THEFT AND NEED THESE REMOVED FROM ALL 3 CREDIT BUREAUS ASAP. 

XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax have been reporting a bankruptcy on my account now for over two months and I have contacted them twice about it and they have ignored me. This information was taken off when I reported them to Consumer Financial Protection Bureau and then they waited again and put it on. 

Again I have sent them letters and have called and they have not responded to the letters and have told me on the phone they will look into it but have not. 

I have been denied credit and can not buy a home because of this bankruptcy that Equifax can not verify. I have sent letters from the court in Illinois verifying that Equifax has not contacted them. Yet Equifax has not tried to resolve the issue but has left this derogatory information on my credit profile which has caused me great distress in paying more for insurance, can not buy a house, and have to pay more on rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
Account Name CREDIT CORP SOLUTIONS IN Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$670.00} Collections is not from original creditor. I do not owe Credit Corp Solutions- ( account # XXXX ) {$670.00}. I never heard of Credit Corp Solutions. I never did a contract with them. 
Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Their also reporting inaccurate My understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that " The data should be reported to the specified definitions in order to process credit information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I XXXX {$800.00} for a XXXX XXXX puppy then I XXXX  an additional {$150.00} for the shipping from my bank. I received an email indicating that it was a fraud/scam and contacted my bank. The money hadnt even come out of my account and they said they could not stop it. Money left my account 24 to 48 hours after that and went to the person I bought the dog from. The dog was a scam and the person I bought it from said that they would refund my money and as of now I have no dog and no money and the person is no longer returning communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation