vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/ - USAA Bank released funds on a forged signature from an investment that was opened from XXXX XXXX XXXX. which was administered by XXXX XXXX XXXX XXXX XXXX, XXXX. The ending equity was {$14000.00} on XXXX XXXX. This money was deposited into an account by wire transfer with USAA Bank and released by USAA Bank to the person who forged my name and stole my identity. I have a copy of the document with the signature in my name and it is clearly forged. The actual withdrawal was {$13000.00}. I have filed a complaint with the XXXX XXXX, New Mexico Police Department, the Attorney General of Texas and the Attorney General of New Mexico. A letter was written to USAA Bank on XXXX XXXX along phone calls stating they were not responsible. A letter to XXXX XXXX XXXX XXXX XXXX, XXXX. plus phone calls were made to this company and the representative of XXXX XXXX XXXX These investment companies stated USAA was responsible for not authenticating my signature which was never done. I was never notified of these transactions as I was in communication with the administrator to follow their protocol to withdraw the funds. In the meantime as I was waiting for the funds to be released to me, I had XXXX XXXX XXXX and XXXX with a long recovery period. Before I got sick, this situation put me in a severe financial hardship as this also opened credit cards in my name with various charges which I have yet to be able to resolve. This person was a partner of mine in a XXXX XXXX  business. He is a XXXX XXXX and spent over a year in XXXX and is now XXXX XXXX XXXX. A hard lesson in who to trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I got a Chase XXXX in XX/XX/2018 with the understanding that I would receive XXXX points if I spent {$3000.00} in the first 3 months. I spent that amount in about a month by early XX/XX/XXXX. They changed their policy on XX/XX/XXXX to two free night awards if you spend {$3000.00} in first 3 months ( this is worth less ). They did not honor the agreement to give me XXXX points, instead giving me the new offer, despite the fact that I'd spent {$3000.00} before the new policy came into place and I got the card based on the original offer, not something they changed it to halfway through my 3 months. I felt this was dishonest and I canceled my card after discovering what they'd done. They claimed that wasn't the offer when I got the card ( some basic XXXX research and my own memory say otherwise ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C systems are trying to collect a debt for XXXX in which was already settled by XXXX that I dont owe this debt. This debt has still not been validated by originals creditor 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 2019-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS has been calling my work line and cell line for several weeks/months about a debt I do/did not know about. After checking my mail yesterday, I received a letter from them about a debt by XXXX XXXX XXXX and to respond in 30 days to dispute debt. The letter is dated XX/XX/ 2019 and tied to an account balance of {$2800.00} from XXXX XXXX XXXX XXXX, which I never received any letters from them about this debt either. Due to not knowing about debt until I received this letter, I will be disputing it. I placed this though under communication tactics because they call my phones twice if not three times a day.

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 2019-02-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pathfinder Credit Services
State: TX

Complaint narrative:
In XX/XX/XXXX, I attended a XXXX XXXX XXXXL OF XXXX XXXX, XXXX. Prior to graduating, I received employment offers from numerous XXXX XXXX Companies and/or Carriers, who also, offered to tuition reimbursement. I eventually accepted and chose XXXX XXXX XXXX XXXX. 
However, On XX/XX/XXXX, my birthday, another driver exited his vehicle without setting the brakes and his tractor and trailer rolled down and struck my tractor trailer while I was in the sleeper. As a result, I suffered a head and neck injury and underwent 2 steroids injections in my neck. I filed a workers comp, and hours after receiving my steroid injections, XXXX XXXX instructed me to drive to take a New Hire drug screening test. ( although they knew that my doctor instructed for me not to return to work until days later and to not drive and ect. ) The day that I was instructed to return to work from my surgical procedure, XXXX XXXX terminated my employment. ( 2 days later after my injections ) Long story short, I filed with Osha, and XXXX   Workers Comp. XXXX XXXX , XXXX denied my claim for Workers Comp, claiming that XXXX  had jurisdiction over the claim, although I reside in XXXX, the accident happened in and I was a dedicated driver in XXXX. 
XXXX XXXX XXXX XXXX stopped paying for my Student Loan, and now my loan is being reported as a charged off account with credit reporting bureaus. 
Later I confirmed, that XXXX XXXX XXXX XXXX owns XXXX XXXX XXXX , XXXX Pathfinder Credit Services , Inc is not a party to the student loan agreement. 
Pathfinder Credit Services , Inc., is not registered and/or bonded as required by XXXX FINANCE CODE 392.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XXXX has been calling my work line and cell line for several weeks/months about a debt I do/did not know about. After checking my mail yesterday, I received a letter from them about a debt by Toyota motor collections and to respond in 30 days to dispute debt. The letter is dated XX/XX/2019 and tied to an account balance of {$2800.00} from Toyota motor credit corporation, which I never received any letters from them about this debt either. Due to not knowing about debt until I received this letter, I will be disputing it. I placed this though under communication tactics because they call my phones twice if not three times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: Perfection Collection
State: LA

Complaint narrative:
Im currently in chapterXXXX bankruptcy and an account I have with XXXX  is being paid through this bankruptcy. Perfection Credit is a debt buyer hitting my credit so many days saying I owe them on behalf of XXXX. My attorney advised them that XXXX the original creditor is being paid through this bankruptcy and yet Perfection Credit continues to report to the credit bureaus. My attorney advised me that this was against the law and sent notification to them and Im still seeing them report. I requested they remove this from my credit report and they have it listed as new debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: NY

Complaint narrative:
I did not open, nor have I had, a XXXX XXXX account. Furthermore, I never received and correspondence or request for payment by mail from XXXX. I received a collection phone call from the company over a year ago where I stated I did not open the account and had alternative service from another provider for many years and I never heard again about this until I saw my credit report. 
I absolutely and categorically deny having anything to do with this account and anything contrary to that is fraud. I will NOT pay an account I did not open, authorize or benefit from.

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 2019-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I contacted XXXX XXXX and spoke with XXXX  No. 
XXXX. He confirmed my new payment of XXXX to be due XX/XX/XXXX. He stated that he requested the capitalization be turned off on my account from XX/XX/XXXX to XX/XX/XXXX which would then bring my account current and no past due payment. 
I asked when this should be completed and he was unable to provide a specific timeframe, rather stated, in the next few days. 

I continue to receive emails stating payment was due XX/XX/XXXX and I am past due. 

He then transferred me to loan forgiveness and I spoke with XXXX No. XXXX. I stated that I have been paying on this loan 10 years prior to going on loan forgiveness and was told those 10 years would not be able to count toward the loan forgiveness. 
I stated that since XXXX I was on this program and my account is only showing credit for 18 payments of the 120 required. She stated I only began as of XXXX. 
Please see the attached letter from XXXX XXXX I began with XXXX, XX/XX/XXXX. I stated that I have been in contact with XXXX   XXXX for quite a few years and no resolve on this issue. XXXX stated that problem was I paid double payments one month, thus my account went to paid ahead status which then notes my account that each payment after that month was late. I stated that this makes no sense and she stated it was a courtesy that they put on the account. Again, I stated this makes no sense and if an additional payment was made and it was a problem, it should have been credited to the following month. ( See additional submitted document. ) XXXX stated should would submit a request to recount the qualifying payments. I requested when this would be completed. XXXX could not provide a specific date and stated in the next few days. 

I have yet to hear by phone and letter that this has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I did not open, nor have I had, a XXXX XXXX account. Furthermore, I never received and correspondence or request for payment by mail from XXXX. I received a collection phone call from the company over a year ago where I stated I did not open the account and had alternative service from another provider for many years and I never heard again about this until I saw my credit report. 
I absolutely and categorically deny having anything to do with this account and anything contrary to that is fraud. I will NOT pay an account I did not open, authorize or benefit from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my financial/banking information for additional payment ( s ). It is unclear to me whether or not this information of mine can be assimilated to other accounts/websites for access to my checking account. I have made multiple inquires to XXXX XXXX to have this information removed. They stated the payment was done by a third party service, XXXX, offered by Western Union. They also stated they are unable to remove my information from their website and that only XXXX/Western Union can do so. I have made many many requests to XXXX/Western Union to remove my information, and it has yet to be done. I have been told my case was escalated and to expect a call from their office in either New York or Colorado. After over 45 days of my calling back perhaps 3 times weekly on this matter, I have yet to hear from anyone. My information was posted immediately. I can not see why the removal of my sensitive banking information should take this long. The representatives have been rude, refusing to let me speak to a supervisor. I do not want my banking information held hostage on a website with public access. I do not think this is an unreasonable expectation. The account number it was posted to is : XXXX. Account holder is XXXX XXXX XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/Western Union is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as Checking XXXX XXXX.  There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
XX/XX/2019 there was an unauthorized payment sent on the XXXX app. I didnt authorize the payment. When i called to cancel the transaction they said they could not help me. They said to call my financial institution to see if they can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
We were asked to send a wire transfer to pay some freight charges. We made the transaction at the bank. About one hour later we received a call from the bank stating the transaction had the characteristics of a fraudulent one.I asked the officer from the bank to cancel it. He told me it will cost {$20.00} and we respond to go ahead and cancel it. This transaction was for {$10000.00}. It was made on XX/XX/2018.We filed a claim but they just gave us a brochure with recommendations to made if we thought we were a fraud victim.

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 2019-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CO

Complaint narrative:
A letter was sent on XX/XX/2019 from American Coradius International stating I owed {$1000.00} to XXXX XXXX. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am very stunt of how credit cards started theirs thief style stared charging their redicilous fees and XXXX off recking peoples credits and so on Problem 1- capital l one stop mailing statements without my request so in XX/XX/XXXX I requested and told their customer service over the phone that because I have been Haked twice and because of the headache and hassle I went through I decided I dont do on line banking ever again therefore I dont care how much credit cards like internet Ill do it my way and thats not to do on line banking case closed. 
Problem -2 I made a transfer over the phone I asked customer service about transfer fees she said the transfer will be treated as a purchase so their wont be any fees so I get my statement capital one charged me {$20.00} interest late fee and madd my account past due I call customer service and tell them that I never got statements I wasnt suppose to get charged regarding transfer they need to reverse all the fees then he told me I have to pay off the account in full then they will take all the fees back Well with everything they did I dont trust capital one because if I pay off the account then call for fees credit requests They will tell me something around the fees charged were ledgenamet

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-17 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
my card was lost and or stolen, i notified the bank immediately, they stoped the card and sended my new card. since XX/XX/2019since then i've been calling every single day and talking to dispute/fraud department, they keep telling me they still looking into it, but when the fraud accured they told me that i have zero liability!!!! .abd the fradulant charges should be removed with in 24-48 houres.i never made these fraudulant charges, and i made a police report on my own, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
A letter was sent on XX/XX/2019 from XXXX XXXX XXXX   stating I owed {$1000.00} to paypal inc. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust Bank has still not sent out 1099 forms. The legal deadline has passed. Same problem as last year : we waited and waited for the very late document before we could file our Federal/state income tax. Our accountant says that other SunTrust customers have had the same problem. When I talked to the bank they offered no reason or excuse.

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 2019-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted Transunion on numerous occasion about the inaccurate reporting of an account listed on my credit report. I have submitted evidence that I received from the original creditor admitting they can not verify the account and require more information. I am a XXXX and will be leaving for XXXX soon and will not be able to be present in court. Im hoping that that filing this complaint shows that I'm serious about correcting and deleting inaccurate information on my credit report.

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 2019-02-17 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: NC

Complaint narrative:
I have been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX I have attached a copy of my ID and will be filing a FTC report and Police report as well!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing   XX/XX/XXXX Experian XXXX XXXX Auto/Truck Leasing XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX  XXXX XXXX Automotive   XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX Student Loans  XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance/Personal XX/XX/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