vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
previously I have filed cfpb complaints on the three credit bureaus XXXX XXXX   and Experian before so this process is not a new process.. 
XXXX in 2017 had an XXXX data breach millions millions and millions of Americans were affected by this breach yet to my knowledge there is a class action settlement being settled with a hearing in XX/XX/XXXX of this year with millions cleaning either a money reimbursement or a credit restoration program for 10 years. I claimed the 10-year credit restoration over the money claim but that will not be approved until the court approves it.. however I am very upset that every time I try to get an XXXX free annual credit report or another credit disclosure report with or without the credit score attached they always ask me at nickel facts for information yes I do have an extended fraud alert promotional opt out security freeze credit alert credit freeze but if they can prove that means my information is in their database why law and the bureau say they need me to submit mail documentation every time that gets really old. I don't have the money funds or the time to keep sending in my proof over and over and over each time I make a request.

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 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
my wife is an identity fraud victum since 2017 with the XXXX data breach. since that time our lives have been ripped apart by identity theft. countless hours spent trying to repair credit and restore her name. my usaa account with over {$800.00} a cd of {$500.00} and 3 other accounts have been froze after her countless attempts to have credit and bank  account disputes resolved she contacted consumer finance and ftc. usaa instead of helping us as fraud victums accused us of fraud and froze all of our money and threatened to sever ties. I believe we are being retaliated against for our complaint to the FTC and here and having served our country am discraced and embarrased by their unethacal practices. Besides not rectifyung inaccurate information off of her report and mine for nearly 2 years. which we should get retribution for, they are now bullying us with our only source of funds. As fraud/identity fraud victums there is very little help and someone needs to be standing up and helping. please someone help us! To conduct business like this and freeze victums funds is criminal. Now we have unpaid bills, late fees and more problems to deal with. Identify theft has taken so much and now usaa has further caused unspeakable stress and loss! Serviceman and women beware! Do not trust your funds or your identity or credit! I will be attaching files so that you can see the lengthy history of disputes with usaa and for how long they failed to resolve issues until our claim And the retaliation began. The attached are only a few of what we have submitted. A history of negligence, discrimination and retaliation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
A withdrawal in the amount of {$270.00} on XX/XX/13, Transaction ID : XXXX, still shows as processing and does not seem be going through as it is taking an unusually long time to complete. This is evident in the fact that a withdrawal in the amount of {$20.00} on the same date, XX/XX/13, Transaction ID : XXXX, shows as now completed when this one is still in process for whatever reason.. Both transactions are going to my external bank account ending in XXXX, there seems to be some technical issue going on and I do not know exactly what that issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/2019 I received a letter from wells fargo fraud dept. notifying me there were possible fraud activities on my account and to call them. When I called they notified me that there were {$2500.00} in cash advances taken out on my credit card in CA. I live in Ohio. There were also charges of {$50.00} each of two item transfers. There must have been some other fees because the total balance was {$2600.00}. I told them to immediately close those accounts.

Shortly after that I received two checks from Wells Fargo. One was for {$1200.00} the other one was {$71.00}. Attached to the check was a note stating that I had not fulfilled my obligation to Wells Fargo. 

Due to the fact that when I called the fraud department several times and they refused to give me any information on the account, I am assuming that the money they sent me was from the accounts that were opened that not been used by whoever opened at the accounts. 

On XX/XX/XXXX I received a letter from Wells Fargo stating that because I closed that account they can not reverse the online transfer. Therefore, there will be no adjustment made to my bill and the claim is now closed. 

I have now closed all of my accounts with wells fargo including the new credit card they sent me because of the fraudulent charges on the old card. According to this letter they are holding me responsible for {$2600.00} for all of the fraudulent charges that were made on my credit card account. 

Wells Fargo notified me that there were fraudulent charges on my account while before I even received a bill for them. I had not used this credit card for at least over a year. After them notifying me there was fraudulent activity I received the monthly statement proving that they were correct in telling me that there was fraudulent activity. Obviously, the bank realizes that I did not make these charges but yet are putting them on my bill and making me pay for them. 

When I closed those accounts I was not notified that this would affect the fraud claim. The reason I closed those accounts was because I was afraid there would be more fraudulent activity.

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 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX.I had a business account with SunTrust bank my account number was XXXX by the name of XXXX XXXX.without giving any reason suntrust closed my account when i called the bank they said you can't use our services and the funds will be sent to you within 15 days via check.now its been more than 3 months i called the bank more than 50 times they are not sending the money.every time they are saying its on hold.

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 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of 2017, I financed a XXXX through " Care Credit ''. I was told this was a special card to help cover medical expenses. I was told the balance would be divided up into the number of months within the promotional period ( in my case I requested 24 months ) and that as long as the payments were made on time, and no other charges were made, the balance would be paid by the end of the 2 years and no interest would be charged. As soon as I opened the card I registered for an online account so that I could set up auto pay so there would be no risk of violating the rules of the promotion. I also signed up for email alerts so I would receive notification that a payment was due and that payment was made. This month, when I received notice that payment was due, I realized I had already made 25 payments so the balance should have been cleared by now. I logged into my account and found that I somehow still had a {$12000.00} despite already having paid back the {$10000.00} that I had originally financed. I started looking through all the online statements ( which I had not been looking at since I had set up auto pay and was not charging any additional purchases to the card ) and I noticed that I had been charged a {$160.00} " security service fee '' every month. I don't know what this service is and I certainly never authorized it. I would have no need for any additional security services on a card which was opened only used to finance a single charge. 

Since {$160.00} of my monthly payments were going towards this fee, and not the balance, after the 24 months, I still carried a balance and therefore seem to have been disqualified from the promotion. The monthly statements are so vague it's impossible for me to understand how the current balance is possible. I see no explanation of the promotion rules, the promotion period or of the additional service charge. 

This is a scam designed to disqualify anyone from actually receiving the advertised promotion and causing even a consumer who has never made a late payment to be penalized with an absurdly high interest rate.

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 2019-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rocket Mortgage, LLC

Complaint narrative:
I am from XXXX XXXX, I met a guy on XX/XX/2019 around XXXX local time, who claim himself come from New York, and will stay in XXXX XXXX for work for a week. 
We exchanged contact number ( His Number : +XXXX ( XXXX ) XXX-XXXX ) for XXXX XXXX tourist information. 

Today XX/XX/2019 XXXX local time, I got a XXXX message from someone's Number +XXXX ( XXXX ) XXX-XXXX, which display he is from QUICKEN LOANS INVESTMENT, and said I applied for loan. 
I do straight rejected, and tell, I didn't apply for any loan, and ask to close case and delete my number. Then with no reply. 


I hope to protect my number and avoid any cases. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I secured a prepaid Netspend debit card six months to a year ago, to be used specifically for online purchasing. On XX/XX/2019, I attempted to use the card to make an online purchase when the purchase was declined by the bank for irregular activities, notwithstanding the fact that I have been using the card consistently for a number of months to purchase very similar items from the same online vender. Since the declined attempted purchase was in every way consistent with all previous purchases, I couldn't understand why my purchase had been declined, nor how was such an irregular activity. I contacted Netspend four times on XX/XX/XXXX regarding this issue, each time I was told that the issue had been resolved and I could continue using the card. However, on each subsequent attempt that day, I continued to get the same results and the same explanation., Finally during my last call on the XXXX, as a result of my frustration with the situation, I requested that the card be cancelled and my funds loaded on the card be returned and refunded. I was informed during that conversation that the card had been cancelled, a refund requested and issued and that I could expect to receive my refund of {$30.00} by the XXXX of XX/XX/2019, via US mail. However, commencing on or about the third of XXXX I began to diligently check my mail each day in search of the refund check I was expecting from Netspend, as of this date, XX/XX/2019, I have received no refund from Netspend. I telephoned Netspend at XXXX on XX/XX/XXXX and Informed them that I had not received my refund and I was attempting to follow up to determine what next to do. During this phone conversation I was informed the refund check had been mailed on the XXXX of XXXX and that it should arrive to me by Friday the XXXX, however, as stated above, no such thing has transpired. Thirty dollars isn't a lot of money, however it is a lot if they do this to a thousand or a million people.

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 2019-09-16 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: TN

Complaint narrative:
I noticed in XX/XX/XXXX, that my credit report with Equifax terribly wrong, and it was breached. Unaware of the breach epidemic with the CRAS. I called to dispute some items on credit report, but I noticed that I had several different social security numbers and names showing on my XXXX credit report. I informed Equifax of my XXXX credit report breach. Equifax has verified bankruptcy accounts XXXX & XXXX XXXX XXXX, filed on XX/XX/XXXX & XX/XX/XXXX. Also, XXXX XXXX Co, account number XXXX & XXXX accounts Opened on XX/XX/XXXX & XX/XX/XXXX. This the same company reporting twice with different Opened dates. Fraudulent account, XXXX - {$6400.00} fraudulent, XXXXt {$19.00}, XXXX XXXX XXXX {$4600.00} Student Loans should be removed- account paid in full on XX/XX/XXXX. Remove all inquiries. I am uploading the FTC Affidavit, FTC Creditor Letter aling with DIsputes letter request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: WA

Complaint narrative:
There is no Lease for this unit. This property was involved in an property fire. 
This was unfortunetly a illegal situation This unit was the only unit i lived in and this was before XXXX XXXX XXXX soldit sproperty

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: NC

Complaint narrative:
National Credit Management is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681i and 15 USC 1692 ( a ) ( 5 ) there is no debt. 

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied. 

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then National Credit Management has no claim. 

I hereby irrevocably refuse to consent/contract to National Credit Management agency because there is no law required for this consumer to do so. Until National Credit Management agency can provide a lawful authority by which this consumer is subject to comply with submitting to National Credit Management or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) National Credit Management is hereby warranted to Proof of Claim in Arbitration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: TX

Complaint narrative:
There is a Derogatory Collection account on my credit report. Reporting a Balance of {$900.00}. Im sending a complaint due to the fact that I dont owe this debt. I was XXXX   during the time this company laid me off which was wrongful. And I was not given a chance to contact anyone with the company to Dispute this matter. I dont owe any amount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: Block, Inc.
State: FL

Complaint narrative:
Starting on Saturday XX/XX/2019 I have been trying to log into my Cash App by Square account to access my money. The only way to log in is for them to send you a log in code either by text or email depending on how you registered for the account. Well my account is registered by email and the log in codes are not being emailed or not emailed on time because when you finally do get it hours later it has expired. Ive been without my money for days now and Im on vacation. You can not call anyone only email or tweet on XXXX and their response time is awful. I truly feel like Cash App needs to be investigated if not shut down but not before I get my money. Need to change my direct deposit quick.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors' Service Bureau of Niles, Inc
State: NC

Complaint narrative:
Creditors Services Bureau is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account.

This assumed debt was charged off after an internal credit in the amount of the loss in order to XXXX  out the balances and close the account. The loss balance is then transferred from the XXXX XXXX XXXX to the XXXX XXXX XXXX which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been XXXX out and the contract has been satisfied. 

This consumer is only responsible for the XXXX  account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then Creditors Services Bureau has no claim. 

I hereby irrevocably refuse to consent/contract to Creditors Services Bureau agency because there is no law required for this consumer to do so. Until Creditors Services Bureau agency can provide a lawful authority by which this consumer is subject to comply with submitting to Creditors Services Bureau or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) Creditors Services Bureau is hereby warranted to Proof of Claim in Arbitration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX Vehicle was repossessed sale or intent of notification to sell was not issued Loan balance is {$13000.00} Car value at the time of repossession {$12000.00} remaining balance would have left a {$1500.00} balance give or take fees Spoke to the company about my debt around XX/XX/XXXX to arrange a payment schedule on the remaining balance however their 3rd party debt service vendor was not very helpful and tried to say that restrictions set in place by the loan provider does not allow for a low settlement payment the payment offered was {$8000.00} for a settlement to be paid in {$2000.00} a month payments for 3 months this is highly unacceptable and also the refusal to update information on my credit reports if I did start to pay the balance is unacceptable and is a Vicious debt collection practice

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOVERY, LLC is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account. 

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied. 

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then Portfolio Recovery, LLC has no claim. 

I hereby irrevocably refuse to consent/contract to Portfolio Recovery, LLC agency because there is no law required for this consumer to do so. Until Portfolio Recovery, LLC agency can provide a lawful authority by which this consumer is subject to comply with submitting to Portfolio Recovery, LLC or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) Portfolio Recovery is hereby warranted to Proof of Claim in Arbitration.

Company response to consumer: Closed with non-monetary relief