vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2019, I lost my debit card. I also had my license and phone taken. 
Later that day when I gained access to my email, I saw a notification that my password for my banking account was changed. After gaining access to my account and changing the password, I saw that over {$4500.00} in charges were made with my debit card at various vendors after I lost possession. Upon seeing this, I called Well Fargo for assistance and made my claim. 

On XX/XX/XXXX, I received an email from Wells Fargo that the case was closed and I would be receiving a letter. I also received a call from them that same day where they asked me to clarify some issues. I called Wells Fargo on XX/XX/XXXX after not having received the letter to ask about the status of my claim. They informed me that my claim was denied.

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 2020-01-10 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: UT

Complaint narrative:
XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.

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 2020-01-10 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: MS

Complaint narrative:
On XX/XX/XXXX, I used my MS State issued EppiCard. I tried using it again the same day and the card was declined. Within a few days, I received a letter in the mail stating the card was possibly fraudulently used and the account and card would be suspended and then gave me a 1-800 number to call. I have called over 10 times now ( at least once every week ) and can't get anyone on the phone. It rings twice and goes straight into a hold message. I've been on hold for over an hour several times but can't seem to get this resolved to unlock my account to access my child support money. I've also tried contacting MDHS only to be transferred back to the fraud division number. I've also asked if I could come in to the MDHS child support office and sign the necessary forms to have my funds direct deposited instead of using the EppiCard. The gentleman that I talked to today said this would have to be resolved first. So I spent 4 years trying to get child support only to have my child support locked up due to an ineffective system of controlling child support funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.

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 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In XX/XX/2019 my XXXX was totaled, I have Insurance with XXXX XXXX who was fairly quick to pay their part, however I also have GAP insurance through the Loan with BRIDGECREST. It has been a month and they still have not completed the process of paying the loan and I am not getting a clear answer why the process is taking soooo long. 

I have called XXXX about 7 times today trying to get someone to help me. I need some help because I am still driving around in a rental car. This is ridiculous it has been 2 months.

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 2020-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
I recently obtained a copy of my credit report which was 30 days ago and i seen a lot of medical debt reporting to my credit report and as allowed under the Fair Debt Collection Practices Act, I sent out a variety of letters requesting the credit bureaus to allow me to validate the alleged debt. Also told them to provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  that is located in XXXX, VA to release my medical information to a third party or any other Collection agency 's. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Also told the credit bureaus to provide a breakdown of fees including any collection costs and medical charges - Also told the credit bureaus to provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Any automated responses or E-Oscar   verification is unacceptable. 
i also told the Credit bureaus that withholding the information you received from any medical provider in an attempt to be HIPAA compliant and can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. As of today which is XX/XX/XXXX I have not received any respond letters from either credit bureaus

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 2020-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One # XXXX is a fraudulent account on my credit report. Lately they have been calling me in group phone calls and threatening to make me pay the debt, I am a victim of fraud with this account and I filed a report with the FBI # XXXX, I am being harassed by Capital One representatives for an account that is not mine and should not be on my credit nor do I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for the JetBlue MC back in XX/XX/XXXX through an application given while in flight and collected before landing ; a few weeks after applying I received a letter from Barclays stating that I could not get the card because the terms offered on the card that I applied for ended. A couple of days later I received another letter stating that they could not approve the card because my record on one of the Bureaus ( My credit is actually really good ). Then a couple of weeks later I received a JetBlue Card offer, which I completed online using the provided Personal ID Code on the offer. Today XX/XX/XXXX I received a letter stating that my application ( # XXXX ) was denied because " Too many recent applications ''. I only applied once prior to the most recent time, and was told that the offer was no longer available. I have made attempts to contact Barclays Customer Service and at this same time have been kept on hold for 1 hour and 41 minutes. They are using deceptive marketing practices, apparently discriminating in the application process, because there is no reason why I should be denied. You can contact me at 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 2020-01-10 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: LA

Complaint narrative:
XXXX  XXXX # XXXX is a fraudulent account on my credit report. Lately they have been calling me in group phone calls and threatening to make me pay the debt, I am a victim of fraud with this account and I filed a report with the FBI # XXXX, I am being harassed by XXXX  XXXX representatives for an account that is not mine and should not be on my credit nor do I owe the debt.

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 2020-01-10 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a Care Credit Account with Synchrony Bank, which I recently paid off. They sent me a new " Rewards Master Card '' with a ridiculous 26.99 % rate, which I do not want and did not approve. ( I only use the Care Credit card because it has an initial zero  interest on large medical purchases. ) When I called customer service to question this, it took me 20 minutes to get through to an actual person, even though the auto-bot kept saying " I understand you want to speak with a representative '' and then sending me elsewhere. When I finally got to speak with someone, I was told that I had been notified of this new card and agreed to it, which was not true. Then I was told to " just not activate it. '' I am concerned that someone at Synchrony Bank is meeting quotas by opening new accounts for existing customers and pretending they agreed to them. This was further strengthened by the fact that my significant other also received a new card from them and I know for a fact he did not order or agree to this ( he was a victim of identity theft, and there is supposed to be a hold on new credit for him. ) Please check into this, and inform Synchrony Bank that this is NOT ACCEPTABLE. My mailbox doesn't lock, and it alarms me that two credit cards were sent that we were not expecting at all.

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 2020-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
Scare tactics to include seizure of my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 I was approached by a XXXX employee at XXXX XXXX about a XXXX bonus offer for a new AMEX Gold Delta Skymiles credit card. I agreed to apply for the card on the spot at the airport, using one of the computer terminals available there for that purpose. AT NO TIME DURING THE APPLICATION PROCESS WAS I NOTIFIED THAT I WASN'T ELIGIBLE FOR THE WELCOME OFFER. The employee helping me did most of the application process. My only input was my social security number and my income. If the employee saw a message saying that I wasn't eligible for the offer, HE DID NOT SHARE THAT INFORMATION WITH ME. 

I would not have applied for this card if I had known I wasn't eligible to receive the bonus miles. I don't need any more credit cards! The entire process of soliciting people at the airport as they arrive tired from a flight, and getting then to use the airpot computers with the " help '' of an employee should be banned. I contacted AMEX, who said that I was notified during the application process that I would not qualify for the bonus miles offer and chose to proceed anyway. THAT IS A LIE! I WOULD NEVER HAVE CHOSEN TO CONTINUE WITH THE APPLICATION HAD I KNOWN THAT! THIS ENTIRE PROCESS IS MISLEADING AND FRAUDULENT. I WAS TAKEN ADVANTAGE OF AS A CONSUMER AND NOW I AM STUCK WITH A CREDIT CARD THAT HAS AN ANNUAL FEE OF {$95.00}. THIS IS ABSURD! SHAME ON AMERICAN EXPRESS FOR TAKING ADVANTAGE OF CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My TransUnion credit report shows several fraudulent inquiries for my credit information, from companies from whom I did not request credit. My credit report also shows false addresses and phone numbers. I have called TransUnion to report this and they say that they will not remove the fraudulent inquiries unless I call each financial institution and have them give me proof that the inquiry was false. 

This is a ridiculous process that will take me a lot of time, but I did try it. 

However, the information for one of the financial institutions that made a credit inquiry is inaccurate. It is for XXXX XXXX, but neither the address nor the phone number is correct. TransUnion lists them at XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX. But when I call, the number is not XXXX. And XXXX maps does not have anything for that address. 

What am I supposed to do about this? I am furious that TransUnion is so unhelpful. XXXX  took the credit inquiry off of my credit report based on my complaint.

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 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2019, I paid {$2000.00} using my Bank of America account to pay for XXXX  XXXX XXXX tuition fee ( XXXX Bank ). 
In XX/XX/2019, I had to make a trip back to my country XXXX to renew my XXXX. At that time I was not so sure if my XXXX would be granted, so I can come back to the XXXX. I decided to close my Bank of America account before I left XXXX. 
In XXXX, my XXXX  got granted and I came back to XXXX and continue my school. At that time, my XXXX told me that I would not need the classes that I registered to be able to have enough credit to transfer. I took her advice and dropped the classes that I signed up. He told me the money would be refunded back to my bank account. And if my bank account was closed, the school would send me a check. 
It has been XXXX  months and I have not received any check or money from my school or Bank of America. I have made a complaint to them for the past XXXX  months. When I talked to Bank of America, they said they did not receive anything from my school. Then I went back to the school and talked to them, the school said they already made the transaction on XX/XX/2019. I went back to the bank and told them that the school made the transfer to the Bank of America XXXX XX/XX/2019. The Bank still said they have not received anything and definitely they can not receive anything because the bank account was closed. 
How can I get my money back because both Banks blame on each other.

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 2020-01-10 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: TX

Complaint narrative:
Once again, FedLoan Servicing has incorrectly calculated the number of payments I have made that count toward XXXX XXXX XXXX XXXX ( XXXX  ). I sent in my most recent XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Based on that XXXX, I have made XXXX qualifying payments. On XX/XX/XXXX, FedLoan found that I have indeed made XXXX qualifying payments. However, on XX/XX/XXXX, FedLoan found that I have only made XXXX qualifying payments. On XX/XX/XXXX, I called FedLoan and asked them to explain the discrepancy. I was told that FedLoan 's computer was counting wrong but they would fix it. Since this is a regular occurrence ( this is my XXXX complaint with CFPB dealing with FedLoan ), I doubt FedLoan will fix the problem. It is clear to me that FedLoan has extreme structural problems in calculating qualifying XXXX  payments. Moreover, it is clear FedLoan is unable to correct these problems. Please investigate. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
Titan receivables is the name that this collector has changed to from a different case called XXXX XXXX XXXX XXXX XXXX. He has added an amount of {$2100.00} from XXXX XXXX XXXX and now he calls it XXXX receivables. The file number matches XXXX and XXXX for a cost of {$2100.00} which is correct. Titan receivables is same account but with a fraudulent amount he has the same file number which makes my credit score in-depth XXXX plus dollars that is not supposed to be on my credit. The odd {$1800.00} it's from a case from 2012 bails bondsman that the statue of limitations is up and he changed the name to add it to my account anyway and put it under Titan receivables look at the file numbers they are the same except for he is fraudulently putting money on my credit that does not belong there

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Common Wealth Financial debt collection did not make any attempt to notify me by phone or mail that I had a debt in their office. With no notice made I was unable to verify or even given a attempt to make a payment if found it was a legit debt. This company just placed a collection debt on my good credit report. The debt in question is a medical bill from a medical service provider named XXXX  XXXX XXXX. XXXX. They are the holders of the original contract for service. This bill among others were included in a lawsuit and had a LOP in place or were negotiated and paid by the law firm representing the case per the signed contract of settlement supplied. As a patient that was unable to take care of himself, I was in a hospital after XXXX surgeries then moved to assisted living facilities and rehab centers for over a year. All mail send to my residence was forwarded to the law firm so they could handle all the bills as there was close to a XXXX dollars worth of them. This debt collection company has violated the law by not offering a opportunity for me to pay the debt or even made me aware of such debt, if it was a outstanding one. The amount this collections company has does not match the amount my lawyers had, shown in the forms after my medical insurance paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XX/XX/2020 ACE CASH EXPRESS XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2020 The company above or, people working through them, fraudulently made a Regular Inquiry. XXXX XXXX says this was a hard credit request. They updated my Employer to XXXX XXXX. I have never worked at XXXX XXXX. 
In any case, I do not know who this company is, and I have not applied for any credit in over a year. When I called the number above, I got some kind of hard medical sales pitch. 
XX/XX/2020 XXXX XXXX Credit Card Services notified me that XXXX individuals had been listed as new authorized users. They would not tell me who these individuals are. I cancelled the account. No fraudulent charges were made. 
XX/XX/2020 Filed a XXXX XXXX with Credit Bureau XXXX.

Company response to consumer: Closed with explanation