vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Had a unexpected charge hit my account for XXXX while overdrew my account {$1.00} and was pending. I transferred money into the account that evening when I checked my account. Again while the XXXX charge was still pending. But they didnt post my transfer till the next date.. again even though it was pending still when money transferred. Then the charged me a overdraft fee of {$35.00} for the {$1.00} overdraft even though the funds were transferred prior to posting.then as a result of the {$35.00} charge a small charge the next day hit of about XXXX and they charged another {$35.00} fee. The next day charge would not have overdraft XXXX if they had not charged the previous {$35.00} fee. Thus they cost me {$70.00} in fees for a {$1.00} overdraft that was corrected prior to posting. When contacted they just said the transfer wasnt dont till the next day, which is not true. It was done while the XXXX charge was still pending and not processed.

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 2021-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc.
State: IA

Complaint narrative:
XXXX is reporting negative items on my report that WAS NOT AUTHORIZED and BY LAW that is illegal. 
FDaCPA 809 Violation Misleading False Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I received an email about a problem with my XXXX acct. There was a balance that needed to be paid so I contacted the number on the email and followed instructions to set up my bank to pay. I was instructed to enter my bank acct # and was asked to perform " TESTS '' which deducted payments from my bank to two names and emails. Two amounts XXXX XXXX XXXXere sent to XXXX XXXX XXXX, XXXX, and XXXX  amounts XXXX, XXXX  to XXXX, XXXX. I was instructed to perform these transactions under the understanding I was fixing the connection to pay my bill. My bank said since " I '' made the transactions they went through and the money is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
To whom it may concern, I have an problem with Chase Amazon credit card. I was carrying a high balance on this card for some time. My account was in good standing. I received a bonus check around the end of 2020 and decided to use that bonus money to pay down this credit card bill. I paid approximately XXXX and brought that debt down and Chase briefly made that credit available. 

There soon after Chase reduced my credit line to approximately XXXX My issue is will show up as a decreased credit by a CC company and not a valid debt satisfied. One is beneficial to my credit rating the other is benefit to to Chase. I believe it is the policy of the Chase card to unfairly decrease my credit and keep me from enjoying the improved credit rating and further Chase will refer to the decreased credit rating to charge a higher interest fee or penalties. 

Can you assist me with this matter and tell me if I am able to address this in any way? 

Thank you, XXXX XXXX documentation available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TX

Complaint narrative:
In XX/XX/2020 someone used my information to secure a line of credit or loan with XXXX XXXX 
It is on my credit report and damaging my " Excellent '' credit rating. 
It was for {$1200.00} and has never been paid. I have never had a line of credit or loan with XXXX. This debt is fraudulent and not mine. 
There were aka names on my credit report that are not mine. 
There are address on my credit report that are not mine. 
There are phone numbers on my credit report that are not mine.

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 2021-02-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2020 someone used my information to secure a line of credit or loan with XXXX XXXX 
It is on my credit report and damaging my " Excellent '' credit rating. 
It was for {$1200.00} and has never been paid. I have never had a line of credit or loan with XXXX. This debt is fraudulent and not mine. 
There were aka names on my credit report that are not mine. 
There are address on my credit report that are not mine. 
There are phone numbers on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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:
on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: MA

Complaint narrative:
I recently refinanced and consolidated my loans from College AVE with another lender. The other lenders ' check to college ave was cleared on XX/XX/21 over two weeks ago and the payment has not posted to my account. College Ave denies receiving payment stating that my accounts are overdue. Customer Service has been very unhelpful and insists that I send a copy of the front and back of the check from the other lender before they contact another team to search for the payment. This is a lot of money to " lose '' on their end. I have requested to speak with a supervisor but was told that none were available even after I told them I was going to file this complaint. This is not the first issue I have had with this lender, it's just the final straw.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ICUL Service Corporation
State: NE

Complaint narrative:
My prepaid account was closed and my remaining card balance has not been returned to me. XXXX XXXX money is holding approximately {$4900.00} of my money, and despite their stated intention to return it, they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian is reporting negative items on my report that WAS NOT AUTHORIZED and BY LAW that is illegal. 
FDaCPA 809 Violation Misleading False Reporting.

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 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
TransUnion is reporting false collections on my credit report. By law that is illegal. FDCPA 809 Violation Misleading False Reporting.

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 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing today in regards to my account with XXXXD Auto Fin Account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I submitted written notice to XXXX XXXX  XXXX XXXX, filed on XX/XX/XXXX of early move out. I was told that I must pay 85 % of rent until new tenant is found. I also paid all fees and final payments to them which they signed. I was notified via phone two months ( XXXX ) later that they found someone and my last 85 % payment would be XXXX. I did not know there was a collections on me until job background check was done on me in XX/XX/XXXX. I called the Apartment management office and they refused to talk to me and told be to talk to the collection agency to get details. I called Blakey-Witt and Assoc Inc, XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) listed on the credit report. They told me I owed {$19000.00} and directed me to talk to the apartment management to get details. I tried to tell them I did not owe this amount and I would be happy to send them my lease termination notice and all receipts that I paid but they refused to accept it. 
As of today, it is now showing {$8800.00} in collections. I have filed dispute with XXXX  via XXXX but never received anything back from XXXX. Today ( XX/XX/XXXX ), I went through XXXX site and filed another dispute in hopes of getting it resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: MO

Complaint narrative:
I've recently reach out to XXXX XXXX XXXX XXXX on XX/XX/2021 for the XXXX time about verifications of account number XXXX thats reporting on my credit reports. I provided my social security number and account number but the XXXX stated he was unable to find or verify that account. He requested additional information that I can not produce because the account do not belong to me. If the XXXX  of the company can not verify this account, How are you verifying this account? Please send me your verification method and original signed contract in 10 days. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for credit bureaus reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.

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 2021-02-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter in onXX/XX/XXXX and didn't get a response, i sent in another lettere onXX/XX/XXXX and still nothing. its not been over 30 days and i demand removal of the negative items that are defamation of my character

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 2021-02-03 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: MO

Complaint narrative:
I've recently reach out to XXXX Chief Financial Officer on XX/XX/2021 for the 3rd time about verifications of account number XXXX thats reporting on my credit reports. I provided my social security number and account number but the C.F.O stated he was unable to find or verify that account. He requested additional information that I can not produce because the account do not belong to me. If the C.F.O of the company can not verify this account, How are you verifying this account? Please send me your verification method and original signed contract in 10 days.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for credit bureaus reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.

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 2021-02-03 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: MO

Complaint narrative:
I've recently reach out to XXXX Chief Financial Officer on XX/XX/2021 for the 3rd time about verifications of account number XXXX thats reporting on my credit reports. I provided my social security number and account number but the C.F.O stated he was unable to find or verify that account. He requested additional information that I can not produce because the account do not belong to me. If the C.F.O of the company can not verify this account, How are you verifying this account? Please send me your verification method and original signed contract in 10 days. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for credit bureaus reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Financial services calls my work no. repeatedly during the day. This has been going on for over 3 months. The calls are from XXXX Here are some of the dates/times they call : XXXX XXXX, XXXX - Mon XX/XX/21 - XXXX, XXXX, XXXX - Tues XX/XX/21 - XXXX, XXXX, XXXX - Wed. 
XX/XX/21 - XXXX, XXXX, XXXX, - Thurs. 
XX/XX/21 - XXXX, XXXX, XXXX - Sat. 
XX/XX/21 - XXXX, XXXX, XXXX - Sun XX/XX/21 - XXXX, XXXX - Mon. 
XX/XX/21 - XXXX, XXXX, XXXX - Tue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
SYNCB/Sams Club is reporting an account as outstanding on my credit file ; however, I contacted Sams Club and was advised that there is no balance due. I requested that this is reflected as zero/PAID IN FULL on my credit file, however, report is still showing this amount as delinquent.

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 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Linebarger Goggan Blair and Sampson continues to not only violate the multiple cease and desist notifications submitted to them via mail and certified mail but they continue to ignore documentation remitted. 

6BH attached was traded in for 8ek over 2 years ago they state there is no record of such however the DMV states otherwise. 7SG attached paperwork this vehicle was transferred in title to a 3rd party and has not been my legal responsibility for years as multiple documents are on file with DMV and also confirmed.

The other one has an account as this moment no issues and is pay as you go. Everyone I know that gets these notifications has the same experience shady. They will disappear for 6-12 months after you respond then come back with some astronomical fee for a disputed balance the tolls are {$3.00} but they are attempting {$2400.00} scam artists. 2 of the 3 are not even mine the 3rd lives no where near the points in question Since you cant seem to adhere to my request Ill send it here as well below DISPUTE ABSOLUTE DISPUTE CEASE AND DESIST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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:
on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.

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 2021-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i CAN NOT believe that I have to correct this problem yet again. I already informed HARRIS BANK in XXXX, that I had an agreement with a previous HARRIS BANK employee in XXXX that I was to put down a XXXX down payment and pay them XXXX a month for my debt. 

Instead, of paying my mortgage down, they are INCREASING it every month. They keep transferring the servicer, and now in XXXX they sold servicing to XXXX  and now I receive a statemetn that my equity is CHARGED OFF, even though I have been paying them the required amount of XXXX a month as I was negotiated this with previous representative. 

This is the SECOND TIME, I am going thru this. Furthermore, my balance should be reduced by all these XXXX payments and NOT increasing. This is not a negative amortazation loan.

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 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
This took place over a week and a half from around XXXX XXXX. The person first contacted me through XXXX XXXX  going by the name " XXXX XXXX '' and interviewed me for a Data Entry position to work remotely from home during covid-19. The instant messenger interview went well and she said that I had gotten the job. She then said she will be sending me a check to buy equipment I would need to be able to work from home. And that it has to be certain company approved equipment with the company logo and programs already installed. A few days later I was mailed the check for almost {$7000.00} and I could not deposit it to my bank because I just moved to XXXX, XXXX from XXXX, XXXX. I made a new bank account with XXXX XXXX XXXX and deposited the check. They told me they will be putting a hold on it for 10 days since it is a new account and so much money for the deposit. 

I told " XXXX '' this on the XXXX and she began to get impatient saying I was supposed to start training that week, She asked if I could use any personal funds to speed up the process to get some of the equipment mailed over to me. So she gave me the information of the " Vendor '' " XXXX XXXX '' to send money over quick pay through my normal bank Chase. She asked how much I can send and I said probably around {$800.00}. She said I would be reimbursed the following week, and I thought since the check was already in my account that I would be okay. 

The 10 days finally are up today XX/XX/XXXX, I checked my XXXX XXXX  account and see that a withdrawal was somehow made in my account that took all of the money in the bank account and {$48.00} just in fees so that account is now $ XXXX. 


I do not have money for rent now and I am out {$800.00} from this scammer. I just moved out of state to a new place needing a job desperately and I got taken advantage of and made a fool. Please help.

Company response to consumer: Closed with explanation