vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
HAD A LOAN FROM XXXX XXXX XXXX, IN XXXX FELL INTO HARD TIMES EXPLAINED TO THE MERCHANT AND THEY SAID OK AND STARTED A PAYMENT PLAN WHICH 1ST PAYMENT WAS DUE ON XX/XX/XXXX MADE THAT PAYMENT ANOTHER PAYMENT ON XX/XX/XXXX AND SO ON SO ON UNTIL ACCOUNT PAID OFF WELL END OF XXXX MERCHANT CHARGED ACCOUNT DIFFERENT AMOUNT REMIND YOU WE MADE PAYMENTS BY OTHER MEANS WHICH MERCHAT PRODUCED TO THE BANK ARVEST BANK COPIES OF THE RECEIPTS OF FORM OF SEPERATE PAYMENT NOT WITH CHECKING ACCOUNT OR DEBIT ACCOUNT THAT THE LOAN WAS MADE WITH. WHEN MERCHANT ACCEPTED OTHER FORMS OF PAYMENT PER OUR AGREEMENT IT VOIDED OUR ORIGINAL CONTRACT FOR THEM TO TAKE FROM MY ACCOUNT I INFORMED THEM NOT TO TAKE IT FROM MY ACCOUNT AND THEY DID ANYWAY AT THE END OF XXXX.MERCHANT EVEN LEFT VM ABOUT PROMISE TO PAY WHICH I WENT TO BANK SO ARVEST CAN HER THE COMPANY SAYING THAT.SPOKE WITH MANAGER AT MERCHANT AND SHE STD SHE WAS NOT AT WORK THE DAY THEY RAN THRU MY ACCOUNT AND CANT REVERSE IT STATED THAT IT WENT THRU AND ITS NOTHING THEY CAN DO ABOUT IT. DISPUTED IT WITH ARVEST AND THEY DENIED IT AND ITS WRONG BECAUSE I REVOKED AUTH FROM USE OF MY CHECKING ACCOUNT AND SETUP PAY ARRANGEMENTS AND MERCHANT WAS ACCEPTING DIFFERENT FORMS OF PAYMENT

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 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I'm getting as much as 30 calls a day and when I block the number they call from the same location with a new number. This has gone on for two years.

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 2018-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Im convinced my identity has been compromised because : I received a credit card from HSBC Bank USA, N.A. which I did not request. A scan of that card and letter are attached ( XXXX XXXX HSBC Card.pdf ). Note the Reference Number : XXXX. 

I contacted HSBC and they had a great deal of information about me including : correct name and address, Social Security Number, Credit Report and Date of Birth. Possibly more but that was enough to convince me I have a problem. 

A scan of the card and accompanying letter has been uploaded. The file name is " XXXX XXXX - HSCBC Card.pdf ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I Sent Certified Letters To The Company To Properly Verify And Validate The Accuracy Of The Account That's Showing On My Credit Report ... I Never Received Any Proof Of The Account As Being Accurate ... They Sent Email Or Letter Saying That The Account Was Verified But Not Once Send Me Proof That I Requested ...

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 2018-12-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - Experian, XXXX  and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?

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 2018-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
KLS released information via email about a debt I owe to my boyfriend. They emailed him the collection notice and a copy of the bill which included my address, phone number, insurance information and policy number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. continuity calls repeatedly even after normal hours on weekends too. The amount they say I owe is not a legitimate charge. The company they purchased it from failed to submit their claim for payment to my Attorney at Law that was paying medical fees & Bills from an Automobile Lawsuit against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, Texas settled the claim and XXXX XXXX XXXX 's Client failed to REQUEST PAYMENT from the Courts on the medical bills which relieved me and my wife of the obligations. But they continue to HARASS us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
I invested {$2000.00} to start a Health Savings Account with XXXX   XXXX  a NY Mellon Bank. On or about XX/XX/XXXX, I noticed strange transactions on my on-line statement. I had used the account on XX/XX/XXXX two times to make a payment totaling {$520.00} to a medical provider. However, the account transcript showed a XX/XX/XXXX withdrawal for {$1900.00}. On XX/XX/XXXX, there was a deposit for {$3500.00}. Again on XX/XX/XXXX, there was another deposit for {$3700.00} ( both marked tax year XXXX. ) On XX/XX/XXXX, the account was debited {$7200.00}. In fact, the XX/XX/XXXX withdrawal of {$7200.00} was payable to XXXX XXXX XXXX. This name is not part of the account ; we have no idea who this is and do not recognize this name as a payee or medical provider. 
None of these transactions aside from the XX/XX/XXXX {$520.00} withdrawal were done by me or any family member. In fact, on XX/XX/XXXX, I submitted an affidavit of unauthorized/ improper direct pay activity to XXXX XXXX XXXX at XXXX. XXXX XXXX, XXXX, New Jersey, by certified mail. There had been no formal written response as promised. Not hearing from XXXX XXXX, I called several weeks later to a customer service agent, who said they would check. The agent eventually said the investigation was concluded and that somebody had used MY IP address and created a new e-mail account, and accessed my online bank account ... I did not perfectly understand the spoken voice of the agent ; I do not recognize the email nor did I authorize anyone to change the email on file. I was told the account was closed. I challenged the agent on the telephone why a written responseor any responsehad not been sent to me aside from the call we initiated. 
I have lost {$1400.00}, plus the time accrual of the account, plus the time taken to address this issue.I requested a written responseand satisfaction. On XXXX after many calls and contact with XXXX  -NJ, I  finally recived a transcript of the so call " Operation Team '' showing were the unauthorized transaction originated, somewhere in California .My money has been stolen. XXXX XXXX either maliciously or carelessly blame me for this unauthorized transaction. Do not open accounts with this bank.

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 2018-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
This is incredible ... I'm a consumer of the worst bank in Puerto Rico and the worst mobile company too.

Look at this. A twice charge of what? In the same day.

Why this people is working ... if that's what can it be call. XXXX XXXX!  AND I TRIED TO REACH THEM BUT THEY NEVER, NEVER FIND MY INFORMATION.

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 2018-12-04 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: NC

Complaint narrative:
I have been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online .. so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since 2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX   XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX and 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 2018-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I ordered a TV online with " XXXX XXXX XXXX XXXX '' and utilized their preferred lender - " XXXX  ''. I ordered the appliance on XX/XX/XXXX and quickly cancelled it the very next day ( XX/XX/XXXX. You will see on the statement I uploaded ). They contacted me today ( XX/XX/XXXX ) and I had a " chat session ' with them explaining everything. They stated I was credited the amount of the order but the annual fee will still stand. This is a complete scam as well as a version of " predatory lending ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
on XX/XX/18 I reported complaint # XXXX. This was reported on my credit report in error by XXXX XXXX XXXX for {$610.00}. I followed up and reported this was identity theft and I never owned this account with XXXX. This was removed from my credit report in XXXX. However now another company ( Waypoint Resource Group ) on XX/XX/2018 placed this back onto my credit report showing the same amount owing {$610.00}. This is incorrect reporting and identity theft and I need this removed immediately please, I'm in the process of buying my family a home. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have been trying to receive updated information about my qualifying payments from XXXX  XXXX XXXX for approximately 6 months. I submitted my employee verification forms in XX/XX/2018 however they are " still being processed '' even though I was told repeatedly typically this takes roughly 90 days, it is XX/XX/2018. I should have approximately 24 qualified payments to my account. I have been calling almost monthly to receive updated information or to inquire about when I could expect the information to be updated. The only response I receive is that they are still processing the information and it will be updated when it's updated. When I have asked why this is taking so long they do not give me any additional information other than they are waiting on information. To which when I ask from who they do not have an answer other than, " We are just waiting on information ''. When I have asked to file a complaint or speak with someone who can provide me with clarification I was told there is no one of that nature at thecompany. 

It is extremely fustrating to constantly be told by people who have my loans ( i.e., my debt, my constant worry, my money, a huge chunk of my financial stability ) they do not have information or do not know any information. How can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is making unfair charges ( fees ) to my account. 
I am being charged an overdraft fee for a pending transaction. There was a deposit made to my account to bring it positive before the pending transaction was complete and posted to my account. The date of the transaction shown on my statement is the date it was initiated, however it usually takes two to four days for that pending transaction to be completed. The money does not leave my account or the bank until it is completed and posted. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX are dates when this has occurred. I have been charged {$36.00} for each date totalling {$100.00} for overdrafts that never happened. 
I should not be charged an overdraft fee for a pending transaction until the money is gone from my bank account, resulting in a negative balance ( not a pending negative balance ). 
I believe that they are processing debits to my account prior to the deposits causing the " available balance '' to be negative. Their computer system then automatically generates an overdraft fee charge to the account even though the actual balance remains positive. 
People used to write checks before they had money in the account, relying on the delay it takes for that check to be processed. US Bank is applying overdraft fees for the time that the transaction is still being processed but has not been completed.

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 2018-12-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have three unknown inquires on my credit report. They are from XX/XX/2018 one is Wells Fargo Dealer S, the other is XXXX XXXX  the last one is 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 explanation
Consumer complaint received 2018-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - XXXX, TransUnion and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?

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 2018-12-04 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: MD

Complaint narrative:
This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - XXXX, XXXX  and Equifax.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: FL

Complaint narrative:
I asked experian why my experian the only credit report that is going down instead of going up. I am unable to get a straight answer or anyone to help 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 2018-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX

Complaint narrative:
On XX/XX/2018, I received a phone call from Iberiabank Corp. XXXX XXXX . Their agent suspicioned a credit card application was a fraud and called me before issuing anything. 

I have no written documents from them. 

The bank had a great deal of information about me including : correct name and address, Social Security Number, Credit Report and Date of Birth. Possibly more but that was enough to convince me I have a problem.

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 2018-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am a victim of identity fraud, and I believe someone is trying to use my credit to gain illegally credibility. I've made the credit reporting agency aware of this, so they informed me that I should call the hard inquiries phone number that is display onto my credit file, that doesn't belong to me. They also sent out notification to all the hard inquiries that isn't mine three months straight to no avail. So I got on the phone and called Bank Of America and was held up on the phone for two hours, shuffled around to five different departments and still didn't get anywhere. I was told there was nothing they could do about it, and that it wasn't their problem. I did not request products or services from Bank Of America. This inquiry need to come off my credit file from Bank Of America.

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 2018-12-04 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:
This, I believe, was a credit card that was STOLEN by my ex-husband ( XXXX XXXX XXXX and his son XXXX XXXX XXXX ). They maxed it out. I was trying during my divorce to pay more on the card than what was due but then I became very sick and have been on XXXX and 12 other medications since. And I have XXXX XXXX care between being hospitalized several times a year. I am receiving social security XXXX. I don't remember what credit card this is even about. But with this on my credit report as a negative I can't refinance my home. I need help with getting this cleared up desperately. PLEASE ... or I will be homeless next year. Thank you in advance.

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