vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was scammed and Bank of America closed my account. I had money saved in my account which I never received. I provided them with my complaint opened a fraud claim. I received a letter saying they don't approve my fraud claim. I have a copy of everything I can show they never asked for any other information other then what they have on record.

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 2021-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
An individual in Tennessee opened an account under my name with Spectrum I received a collection notice from Southwest Credit XXXX XXXX XXXX XXXX XXXX. I spoke to XXXX  about this speaking to a rep named XXXX, I asked XXXX why XXXX does not verify a consumers ID by running a credit report through XXXX of the reporting agencies. To my surprise XXXX stated that XXXX does not even ask for a persons SS number when they apply for credit which I found odd because apparently this fraudulent debt is tied to mine. I think its appalling that a company does not perform their due diligence when handing out credit, had XXXX  checked with just ONE reporting agency they would have immediately discovered that all my files are FROZEN and that I am a victim of ID THEFT. I have a consumer statement on ALL reporting agencies XXXX XXXX, XXXX, XXXX which states that I am a victim of ID THEFT and that my SS # has been compromised, it also states that NO CREDITOR is to issue credit to any individual unless they verify their IDENTITY by emailing me, calling me or via mail these instructions were not followed and now they want me the consumer to unravel their mess. XXXX should have never issued credit under my name with out verification. Also I live in NJ  why would I apply for Spectrum in Tennessee?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS

Complaint narrative:
Unauthorised transactions made with my MoneyGram online account in which I had to cancel because of fraud MoneyGram refunded one but did not refund the other because they said it was picked up already by the receiver I told them I didn't authorize this so my bank charge me for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been trying to dispute these negative items on my credit report but the bureaus and so called furnisher claimed they investigated the account but never show proof of what they investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been trying to dispute these negative items on my credit report but the bureaus and so called furnisher claimed they investigated the account but never show proof of what they investigated.

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 2021-11-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the Bankruptcy Courts do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. XXXX uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
On XX/XX/XXXX I attempted to pay a doctor bill.The bill totaled {$160.00}. I could not pay the bill because I did not have an ID? for the bill. When I could not pay on the internet I tried again and something called XXXX a medical billing co. came on my computer a indicated that XXXX would pay the bill. OK I put all the billing info into XXXX and thought it was over. 
I heard from the doctor service again and the bill had not been paid. I asked if the billing service had head from XXXX they said never heard of it and never got money from XXXX. 
So I asked Capital one bank Walmart credit card to stop payment to XXXX Capitol one Walmart credit card stopped payment. 
On XX/XX/XXXX Capital one Walmart credit card put the XXXX bill {$160.00} back on my card. I have talked to the capital One bank several tines and they won't take the XXXX bill off the credit card account. 
I simply want that XXXX charge off my cred-card. The bill has gone to collections and I want to pay the bill. XXXX is lying that XXXX talked to the doctor service. If XXXX had talked to the doctor billing service why did my doctor XXXX go to collections? And Why did the lady at the billing office say she never heard of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: KY

Complaint narrative:
I had bought a car from XXXX XXXX dellership in XXXX of 2021 XXXX weeks after i bought it the clutch went out on the highway and the car was in the emergency lane and then towed of the road by XXXX to a parking lot on XXXX XXXX in XXXX ky i was told it had a full drivetraine warenty by XXXX XXXX and even with this in writing thay said it was not i was left in a parking lot for seven hours unitill a friend got off of work and came and pick me up i am a XXXX veteran who is XXXX XXXX  XXXX this is how veterans are treaded in XXXX ky the finance companey Consumer Portfolio Services they were contacted that day the warenty and the dellership as well no one never made atemp to pick this car up a month and a half later the car still had not got pick up and soon came up missing i have try for weeks after the car went down to get help and got no help from no one i filled a police report and turn over the info to Consumer Portfolio Services with my insurance info for XXXX XXXX times the clame as of this day has still never been filled and i am getting harrast by them and by the insurance and the dellership there is foul play going on here from one of if not all three of them i don't have this car i have follow all laws they have the ones with shady past look up there history it speeks for itself i have contacted your office so many times for help still getting treated like XXXX by the credit bureas it did no good contacting you for help with them i was told you can handle this if i don't get some kind of help to get these low life criminals off my back i will take it public and filled a criminal complaint with the XXXX XXXX of the DOJ so i am asking one more time to help me this is what this office was set up to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Someone got and stole my personal information and has been receiving my unemployment benefit money in their account.

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 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
At XXXX on Thursday XX/XX/21 received a call from a scammer that said they were from my bank, wells Fargo XXXX ( the number was from the actual wells Fargo customer service 800-number ) and wanted to let me know that there was an unusual charge on my account in the state of Ohio for {$440.00} and another for {$1500.00}. I said those were not my charges and were fradulent. This scammer asked me to verify my information like my SSN and even sent me a text with a XXXX digit code to confirm my phone number from the same text wells Fargo uses. They had all my banking information. Scammer continued to put me on hold to " start a claim '' for the fraudulent charges and put a stop on my debit card. As I am hold, i start receiving emails from wells Fargo that there begins to be activity on my accounts, such as a {$1500.00} cash advance from my wells Fargo platinum card account into my checking account. After XXXX minutes of being on hold,, The scammer returns and says they have canceled my debit card and they will be sending me another one and the " new activity '' is accounted for and will be reversed. I hung up thinking my debit card was stopped and the issue was over. The situation seemed weird to me, so I drove to an actual Wells Fargo branch and found out that it was a scam, and that my checking account and credit card account had been compromised. They had to close all my accounts and start an investigation. The scammers do have all of my personal information including birthdate, XXXX, phone number, and home address.

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 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I submitted 2 more complaints for the same matter which is : TD bank is holding {$28000.00} of funds that were in my checking account they closed on XX/XX/2021, 7  months ago. Their responses to My two previous complaints were first that they would return the funds to the sender XXXX which never happened and second that they would send me a check of that amount to my name at my address on file which also never happened. So basically td bank closed my account with a {$28000.00} balance which never gave it me when they zero the balance in it. I am attaching td banks responses to ly previous complaints about the same matter. 
P.S XXXX XXXX the customer care advocate who sent the responses never responded to my numerous emails and phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2021 I received a cover letter and a check for {$3600.00} thanking me for taking out the personal loan. However, I never applied for the loan nor was I aware of this loan. I am unsure, but it feels like a scam.

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 2021-11-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Late in XXXX I called the toll free number on the back of my Bank of America XXXX XXXX XXXX XXXX  debit card to check my balance. I found out that over 16000 dollars was missing. I was transferred to the fraud department to go over the charges over the last few weeks. The charges where for everything frames cell p h ones to airline tickets and where posted in XXXX and XXXX. My charges are at local atms and grocery stores. The representative agreed that the where obvious fraud. I filed a claim. A few days later when I called to check on the claim and was told it was denied. I asked why and was told .y my pin number was used.. I told them that was impossible since the card has been on my person and I had never lent it out and never gave out my pin number. I reopened the claim. A few days later I called and was again told it was denied. I was told to reopen the claim and file a police report which I did and also an fbi and occ report. I faxed everything to BofA. And was denied again. I don't know what to do. I am broke.

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 2021-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received a letter from IC systems threating to damage my credit if I do not pay an alleged debt owed. I do not nor did I ever have any contractual obligations with IC systems regarding any services rendered nor did they ever extend to me any loans. IC systems is in violation of the FDCPA under 15 usc 1692 * communicating with me without my approval or consent * threatened to advertise debt to coerce payment *harassment, abuse and damage to my reputation IC systems claimed to be collecting for XXXX XXXX XXXX which is also a violation because I did not authorize XXXX  to give my personal information to any third party debt collection agency because I am the original creditor. Both XXXX and IC systems are in violation of the FDCPA. 
I have attached a copy of the letter with the violations and threats made to me.

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 2021-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
THE COMPANY, MONTEREY COLLECTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " XXXX '' MEANS THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE XXXX XXXX XXXX XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( XXXX ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. MONTEREY COLLECTIONS HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. MONTEREY COLLECTION REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I notified XXXX back in XXXX XXXX XXXX that they were reporting inaccurate, unverifiable, fraudulent account. The fraudulent account that they are reporting on my consumer report Macys, I sent a FTC report along with a 609 ( a ) 1 ( A ) letter advising the describing of the user and accuracy and completeness of the information is herby requested with-in of completion of investigation. There was no proof of the alleged idea, specially the contract, note or other instrument baring my signature. Under federal law, they had 30 days to complete the investigation and fail to provide me with those instruments verifying the validity of this information. This item must immediately removed from my consumer report. 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 2021-11-21 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: NV

Complaint narrative:
Recurring charges from Square XXXX showing up on my XXXX  account statement even after being issued new cc # by bank. 

1st charge showed up on XXXX  cc acct : XX/XX/21 {$84.00} amount was disputed and reversed, cc # was replaced by bank 2nd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} amount was disputed and reversed, bank rep put a block on company to stop any further future charges, cc # was replaced by bank 3rd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} I have not yet disputed amount with bank yet, but spoke with a fraud claim rep that I go to the company site which has a form to pull up receipts of charges processed with them. Also, the rep says that it looks like recurring charges and they have no way to stop the company from charging again since it's coming from XXXX that's allowing it to have uninterrupted service, XXXX will just update it with the new cc #. Rep says they aren't able to contact XXXX and resolve it either. 

I have contacted the company but only thru a message advocate ( by online chat/messaging ) and he told me that I had to file a police report and then go to their online page to file a " law enforcement information request form '' ( https : XXXX ) for that team to investigate the situation. 
Within the chat window, I sent the rep screenshots of the 3 separate charges from my bank account that showed the trans date, card type, trans type, merchant description, merchant info, ref #, merchant name, etc. of the charges. The rep looked into the info sent but said he couldn't block/close the account that's charging my card but only the team that deals with the law enforcement would be able to do it. 
I have copied all the text in the chat transcript for my records. The rep sent me a copy of the transcript but it's in a format that's unable to open up on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I started trying to fix access issues with my crypto.com account. They are not letting have access to my account so that I can sell all my cryptocurrency and have been stuck just watching it lose value. They keep telling me that someone will be with me shortly, that it has been submitted to the appropriate team, yada yada yada, and here I am on the XXXX of XXXX and STILL don't have access to my account. I've noticed on XXXX others saying that it has been over a month for them. Are they just a scam, or have absolutely NO clue about how to fix their problems so I can access my money?

Company response to consumer: Closed with explanation