vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I contacted XXXX 'XXXX Private collections department, XXXX XXXX, to settle in full a private loan. After making a one time payment on the account I was told by the representative that it was settled with a XXXX   balance and that he would immediately report it to the proper division and have the account removed from my credit report. After the transaction was finished he did nothing from XX/XX/2018 until I finally realized I was being charged monthly by XXXX. I called XXXX and realized that nothing had been down for over a month and a half. He only reported the transaction as a payment. No one was notified that it was settled and was due to be removed from my credit report. He says he is now resolving the problem, but I don't trust that he will work to get it removed from my credit history. Now I have to wait an additional 30 days just to have a dispute resolution done by XXXX. My credit will reflect my payment for 3 to 5 months according to an XXXX agent. During the same time period I settled my remaining 4 collections accounts which are currently all reflected with one exception. XXXX XXXX XXXX XXXX did the same thing with one exception. XXXX XXXX XXXX XXXX sold my information to to companies who were texting me and claiming to be the IRS and that I was getting charged with a crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
To whom it may concern : This is a formal notice of dispute regarding information that Bank of America sent to XXXX and XXXX, a consumer reporting agency. 

The following false information was sent to XXXX and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
This information was disputed with XXXX and XXXX on XX/XX/2017 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately.

Bank of America reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account.

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and XXXX XXXX XXXX XXXX. 



Sincerely, 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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied for a Kohls credit card. The first time I did I didnt get it. So I called them they said that they would send another one. Didnt receive it either. But it shows on my credit. It hasnt been used as far as I know. I want this canceled and off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2018 I was alerted to fraud in connection to what turned out to be an authorized clone of my American Express Serve Card, resulting in two unauthorized and fraudulent charges in the amounts of {$100.00} at XXXX XXXX  Store XXXX on XXXX XXXX XXXX, XXXX XXXX and the other, {$90.00} at XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX and yet another in XXXX for a parking meter, in the amount of XXXX. 
I immediately contacted Amex Serve who told me they could only complete the dispute after the charges were out of pending. They also cancelled my subject card upon my request. 

On XX/XX/2018, the dispute department processed the fraudulent charges upon those charges released from pending status. 

On or about XX/XX/2018 I received, completed and submitted a Declaration of Fraud via email. 

Since then I have spent several hours calling and getting nothing but a run around from the dispute department located in some 3rd world country who only repeats keep an eye out for an email, the investigation is ongoing and we can not issue a credit. 'We have 45 days. 
They also have told me they do not have my money, that XXXX XXXX and XXXX XXXX do, get it from them. 

They have lied that they are actively investigating, evidenced by my conversation today from both XXXX XXXX and XXXX XXXX, that the Amex Serve dispute department has NOT submitted any dispute documents at all since the dispute was noted as received.

It is obvious that I am now being defrauded yet again, by American Express Serve Service as issued and run by American Express Travel Related Services Company , Inc . 

Today, XX/XX/18, I faxed letters to XXXX XXXX VP at American ExpressServe serviced and issued by American Express Travel Co Inc. and to the General  Counsel and CEO of Rite Aid, and faxed letter to XXXX XXXX Corporate. 

I contacted the XXXX precinct for direction on filing a report, and was advised to do this in NJ, where I reside. I will be filing that report in the township where it is believed the fraudulent clone took place. 

it appears that American Express SErve has no intention of doing anything to facilitate the return of my approximately {$200.00}. 

Also, the transaction dates showing on Amex Serve are false, all three fraudulent transactions occurred on XX/XX/2018. 



XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: MO

Complaint narrative:
In XXXX my Grandfather set up an ITF account for me at a Florida Bank. I live in MO. Current balance on XX/XX/XXXX was {$5000.00}. He sent me a letter in XXXX, telling me about this Account. He passed in XXXX. I thought this would have to go thru Probate ( but now I read it doesnt ). After a few years I phoned the bank branch in Florida, where the account was opened. I was told that I would have to appear in person before they would discuss the account. My Grandfathers XXXX copy Lists an Investment Number. The bank representative told me I would need an Account Number, my Grandfathers death certificate, my birth certificate plus marriage license. I called a few years later because I was not able to fly to Florida during bank hours. At that point, bank suggested I come to XXXX, with the requested documents, but without the account number, they would not discuss this account with me. Early XXXX my Financial Advisor called the Florida branch to plead my case. He was assured that if I sent all the above documents, plus a XXXX copy of the ITF acct., they would search for the acct. number. I sent letter certified with all the requested documents, to the XXXX TN location, as advised. On XX/XX/XXXX my documents were returned to me, along with a brief valued customer letter, Stating they were unable to process my account closure request because Please provide account number along with investment number.

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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Paragon Credit Services
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has engaged in the following against me and my wife. 

1. Consumer Fraud : Company stated they would repair credit by deleting derrogatories from credit file. The company charged me thousands of dollars which we paid. Our credit got worse not better.

2. Fraudulent Marketing : Company provided misleading statements related to credit repair and also provided false claims related to being able to not owe any money if not satisfied. Company lies to Veterans to get them to sign up for this fraudulent service.

3. Lying to CFPB : Paragon claims that they won in the Arizona Attorney General Office. The fact is paragon never won anything. I filed a complaint against paragon with the Arizona attorney general 's office for fraud and consumer scamming. I actually won against paragon and now they are lying to CFPB. Myself nor my wife owe this company a dime.

4. Deceptive and harassing communication : This company bullies consumers by sending threatening emails and phone calls. The paragon owner is a complete fraud who preys upon consumers who are trying to fix their credit. Instead Paragon doesn't fix credit, and lies, and charges consumers for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to XXXX and EWS, a consumer reporting agency. 

The following false information was sent to XXXX and EWS : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.

This information was disputed with XXXX and EWS on XX/XX/2017 ; however, XXXX XXXXXXXX XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and Early Warning Consumer Serivces. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to Chexsystems and XXXX, a consumer reporting agency. 

The following false information was sent to Chexsystems and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
This information was disputed with Chexsystems and XXXX on XX/XX/2017 ; however, XXXX XXXX  XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXXXXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to Chexsystems and XXXX XXXX Consumer Serivces. 



Sincerely, 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 2018-09-11 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: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX shows my report at XXXX almost 200 points bellow my other reports. they refuse to answer their phone or return a call no one ever answers their phone it's a total scam that someone will. online they request I send hard copies of my SSN and DL through the mail .. extremely unsafe. they have no validation for the score being so low and it's a scam company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I cancelled my VISA credit card with Bank of America due to their incompetence. I was a cardholder since XXXX. My wife and I had our New Jersey XXXX XXXX   account attached to the VISA card and had made payments generally in full and on time for 29 years. We moved to a new address in XXXX and notified Bank of America of the address change prior to our relocation. Bank of America did not send a bill to the new address after the move. XXXX XXXX notified us on XX/XX/XXXX that our credit card had been declined. I contacted Bank of America on the same day and they indicated that they had entered the new address information incorrectly. We received no bills for payment from them since the last payment was made in full on XX/XX/XXXX. The amount of our payment was {$70.00}. Bank of America indicated that our bill was past due in the amount of {$260.00}. I asked how much of that amount was late fees. They stated there were 2 late fees of {$25.00} and {$38.00}. I asked if the late fees would be waived due to their error. They agreed. The past due was reduced to {$200.00}. I asked them to reinstate our account immediately and they insisted on a payment of {$53.00} within 24 to 48 hours. I told them that we paid all of our bills for 29 years. They said that we needed to make a minimum payment of {$25.00} within 24 to 48 hours and requested our checking account # and routing #. I told them that I could restore my XXXX XXXX account immediately with a new and different credit card ( XXXX Master Card. ) I did so.

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 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous.

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I sent a letter to Citizens Bank requesting an opt-out of the arbitration clause. I also requested paper statement delivery, a change to my privacy preferences, their fax number, and I reported a website bug. This letter was ignored. It was posted to the arbitration opt-out address. I have attached a copy of this letter. Then on XX/XX/XXXX, I sent two more copies of the letter, each of which were addressed to different addresses ( XXXX XXXX XXXX, XXXX, RI and XXXX XXXX XXXX, XXXX, RI ). Both of those letters were also ignored. Apart from all three letters being ignored, I also confirm that Citizens Bank has not sent me any paper statements. The most recent statement I have on file is that which closes in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am asking Portfolio Recovery Services to send me a signed contract by myself that I owe them the debt they are claiming as their own. 

They are reporting on my credit reports ( XXXX, XXXX, and XXXX ) that I owe them money. 

I do NOT owe them ANY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This new complaint is associated with Complaint XXXX. I am convinced Bank of America ( BOA ) continues to find way to charge their customers more in fees and penalties to increase their profit margins. I transfer funds between my BOA Checking XXXX and Over Draft Protection or Credit Line accounts XXXX. Account XXXX has a limit of {$3600.00}. BOA lags between the time they are freezing my checking and in crediting the accounts receiving transfer funds. Then BOA charge me Non-sufficient Funds ( NSF ) when actually my two accounts have sufficient funds if BOA would not set on it They always give me the same excuse that personnel do not work on weekends and holidays. Their computers sure will hold funds from my checking on weekends and holidays. BOA should and could program their computers to do both transfer and pay at the same time. 

I received a letter yesterday ( Exhibit 9 ) stating {$400.00} NSF, which is incorrect. ( Exhibit 7 )  shows were I paid {$3400.00} on XX/XX/2018 to the Overdraft or Credit Line Account XXXX. ( Exhibit 6 ) shows BOA did not credit account XXXX the account until XX/XX/2018. They returned the payment of {$400.00} for NSF and charged me {$27.00} without checking on available funding in both accounts. I called BOA today asking why the funds were not credited or payment made. BOA said the payment was not paid. Exhibit 8 shows were I transferred {$400.00} again today to the XXXX account. Account XXXX does not show being credited as of now. 

BOA is too large to fail, but they need to reconsider all their charges and fee. They are destroying me with all of them.

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