vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

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 2020-09-29 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: IL

Complaint narrative:
I bank with Bank of America ( BOA ) and have done so for 27 years. I am a police officer, and therefore use XXXX XXXX XXXX 's 'FirstNet ' cell phone service. I have been with XXXX XXXX XXXX for apporx. 2 years, and my monthly phone bill is autopayed at approx. {$50.00} per month On XX/XX/2020, {$4800.00} was charged to my Bank of America Debit card from XXXX XXXX XXXX. 

The transaction posted on XX/XX/2020, but I did not discover it until XX/XX/2020. I immediately called BOA and they instructed me to call XXXX XXXX XXXX. 

XXXX XXXX XXXX informed me that they had no record of that transaction being credited to my account. I called BOA back and initiated a fraud claim. 

On XX/XX/2020 I received a message from BOA relating that, in essence, the activity was 'not consistent with fraud ' because : -the perpetrator did not attempt to drain my account completely -the activity was with one of my trusted vendors that I have history with I have been informed that my claim has therefore been closed, and that it was determined that I am responsible for the charges. Clearly, BOA did not properly investigate my claim. They are not able to articulate  where the {$4800.00} went or who spent it. It appears that BOA used a checklist on their end to short circuit any actual investigative work. 

I did not authorize this charge in any form or fashion. I am pleading for someone to take a closer and more serious look at this fraudulent activity. As a life-long Bank of America customer, it is heartbreaking to me that my claim has been 'cast aside ' without any real investigation.

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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My original mortgage is with Bank of America and on XX/XX/2020 I refinanced with a different company and a wire was sent on XX/XX/2020 to Bank of America to pay off the mortgage, with the correct routing number, mortgage account number, and the correct amount that was provided by bank of America ( info on payoff statement ), my correct name and address and the payment has not been applied. I have contacted Bank of America on 5 different situations and have spoken with multiple representatives whom 3 have stated that they will escalate the issue and it will be resolved within 24-72 hours ; the first  time I was told this was back on XX/XX/2020. When asked for a ticket/case number I was informed there was not one available. when I asked for a name, representative, or phone number of someone that I could follow up with directly, again I was told there was not one available. I then asked if they could put in a request to have someone  reach out to me to verify that it has been completed and I was told that was not available. This one call took over 3 hours total. I have since called other times ( XX/XX/2020 and XX/XX/2020 ) with the same responses and still nothing is being done. I am well over 6 hours of my time invested in trying to get this resolved via phone. I also submitted an email to Bank of America from their online website, with no respones.. Bank of America has me listed as being delinquent on my mortgage since they haven't processed my wire from XX/XX/2020 and my payment was due XX/XX/2020. We are coming u

p on 30+ days delinquent and I fear that my credit will be effected by this as well. I do not see how a financial institution is able to sit on a wire transfer without processing in a specific timeframe. Any Assistance would be GREATLY appreciated as I am becoming very frustrated and would love to get this resolved.

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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened 2 NEW CITIBANK accounts checking and saving last fall- for a {$700.00} bonus offer - XXXX & XXXX. Balances now {$19000.00} @ XXXX - bonus not paid! 
Have been trying to close for months and get my money back. Have written their New York HQ and XXXX XXXX - no response. Their phone systems just plain nuts - can't get anywhere because I don't have a debit card or cell phone. They never sent me ANYTHING but occasional statements. 

I want to close accounts and get my money back and the bonuses and bonus interest I was offered. 

This bank is nuts.

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 2020-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received an email this morning ( XX/XX/2020 ) stating that my credit limit has decreased from {$7500.00} down to {$5000.00}. This puts the credit available at {$530.00}. I spoke with three different people at Capital One and explained how this damages my credit score and will make it impossible for me to refinance my house. I have made all payments on time for years. They said they were doing this to many people and the decision was final. They did not offer to review it or allow me to submit any type of rebuttal. This will cost me thousands of dollars over the next several years. This is also going on during the most difficult times with a pandemic going on. It is morally reprehensible and should not be allowed to happen. To not allow any sort of remedy is appalling and unacceptable. I know there are countless others who feel the same. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: FL

Complaint narrative:
Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously disputed a public record on my credit report. Transunion said they investigated and the results were provided and confirmed by XXXX. The first issue is Transunion should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.

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 2020-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
1. I requested refund from Capital One Savor credit card for a flight tickets purchase of {$170.00} from XXXX to XXXX by XXXX XXXX due to covid19 that XXXX closed boarder to U.S. citizens and booked flight cancelled and we were put on a different flight 5 hours earlier. They offered one year time limit credit which is useless because the pandemic would not be over by then. So I insisted for a refund. 

2. On XX/XX/XXXX Capital One notified me the case # is XXXX and they needed more back document to continue the process. 

3. On XX/XX/XXXX, I submitted all the requested documents before the deadline of XX/XX/XXXX. 

4. I didn't hear any replies and I called on XX/XX/XXXX and I was told that no decision had been made yet and I should hear back from them very soon.

5. Up to today, two months have passed, I have not heard from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX. Which is a collection company for Capital One Bank USA N.A. opened on XX/XX/2020 for the amount {$420.00} has reported on my credit report and I have disputed it with XXXX and XXXX. It is saying meets FCRA requirements. However I have no knowledge of this account at all whatsoever. I've asked them to please remove it and it will not be removed. This is fraudulent on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 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: FL

Complaint narrative:
Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: FL

Complaint narrative:
Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously disputed a public record on my credit report. Experian said they investigated and the results were provided and confirmed by XXXX. The first issue is XXXX should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.

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 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My Paypal account was hacked and experienced significant fraudulent activity on XX/XX/2020. They stole roughly {$800.00} from my bank account, and after removing my account information from the site, they are still showing I owe an additional {$290.00}, which is now preventing me from closing my account all together. I have called numerous times to numerous different phone lines and have not received any assistance with the matter. I have emailed, sent messages etc. Paypal has no accurate way of contacting them. I am desperate to close this account as I am still experiencing fraudulent activity. I would like to reach them and take whatever steps necessary to close this out for good and prevent being sent to collections for money owed that was fraudulent in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
I am not responsible for this account. I have never done business with this company.

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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: TN

Complaint narrative:
This company Paragon Revenue Group keeps calling my phone and will not tell me what they are calling about, asking fir a male whom I do not know. They do not care what day it is or what time it is they consistently call 5 and 6 times a day. They cuss they claim I'm lying and it's ridiculous. Ultimately they hang up on me and it starts all over again the very next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
2013 I opened 2 separate secured accounts one for XXXX and the other for XXXX. Due to financial hardship, I default on both accounts. The money I've deposited for the secured accounts should cover the amount default. The collection company is trying to get me to pay on a debt that is already paid in full. I called and explained the situation and I'm not getting anywhere. They don't have records of my secured deposits but they do understand that they were both secured accounts, meaning that the deposits made secure the default amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have inquiries on my credit report that I did not apply for or authorize. 

The only inquiry that is valid is XXXX XXXX for my car lease. 

Please remove all other hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio
State: IN

Complaint narrative:
On XX/XX/XXXX I spoke with a woman XXXX at Vance and Huffman in regards to a debt owed on apparently 2 accounts. One of them XXXX could not give me any information into what this debt was only the name XXXX, I explained to XXXX I would like to dispute this charge because I have no idea what it is or who XXXX  is. The next payment I was told was from XXXX and I owed XXXX dollars from the now-closed XXXX. 
I explained to XXXX that I am out on a leave of XXXX and have only a little income but am willing to make some form of an arrangement, That was settled and I then get a call from family members the next day that XXXX from Vance and Huffman are looking for me.They have repeatedly called the family from my sister n law my son, daughter someone in my family who lives in Kentucky! It is harassing! I called to inform them to stop on XX/XX/XXXX and when I dialed the number XXXX it rang and a woman answered and never a mention of the company it was just hello like I was calling someone home.I am not sure if this is a scam but I gave my debit card number.The woman spoke to me rudely and sharp and I just don't get it.I am a XXXX worker who works on a XXXX XXXX and I am tired, stressed and worn out and I do not deserve this kind of treatment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery is attempting to collect for : XXXX XXXX XXXX   XXXX the alleged balance due is : {$760.00}. I never received a notice from the collection agency, written nor otherwise regarding this debt and was never given the opportunity to dispute or ask for validation of this debt pursuant to the Fair Credit Billing Act and the Fair Debt Collections Practices Act. Also, Pursuant to the Fair Credit Reporting Act ... this information was placed on my report without verification by this agency, which is a violation of the Federal law and my rights as a consumer. I have no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously disputed a public record on my credit report. Equifax said they investigated and the results were provided and confirmed by XXXX. The first issue is XXXX  should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Financial Systems, Inc.
State: LA

Complaint narrative:
On XXXX XXXX, I went to XXXX. I am being billed for a bill that I do not owe. I have told this company this multiple times and yet they are still reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Nationwide Loan Consultants and Advisors, LLC
State: IL

Complaint narrative:
XX/XX/XXXX I advised Nationwide Loan consultants I will no longer be working with them. XXXX XXXX XXXX  : XXXX XXXX O : XXXX. Confirmed correspondence. 


I then hear from XXXX XXXX | Application Specialist O : XXXX. Today XX/XX/XXXX. Same company advising they would be checking my credit periodically. I told them this was not authorized. 

I terminated my working relationship with this company because they wanted me to lie to a lender and say I was not working with them. I told him I didnt wan na do anything illegal and I reported them to the XXXX XXXX XXXX Now they are threatening to periodically pull my credit. I told them I would send it any authorization and they are not authorized to do this. Can somebody help me so that they can leave me alone. I requested multiple times that they stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Transferred money from my Bank of America account to a contractor Bank of America account using XXXX on XX/XX/2020. Contractor did not complete services and broke the product I purchased. Filed a claim with Bank of America to return funds in early XXXX, but contractor has not responded to claim. Bank of America states that they can not force contractor to responding to claim. Since contractor is not responding to claim this should be taken as a sign of guilt and return funds.

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 2020-09-29 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: IL

Complaint narrative:
I am not responsible for this account. I have never done business with this company.

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 2020-09-29 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: IL

Complaint narrative:
I am not responsible for this account. I have never done business with this company.

Company response to consumer: Closed with explanation