vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a business credit card and personal bank account with Bank of America. I have a family business that is in the U.S and  XXXX. The business card is in the name of XXXX XXXX and is called XXXX XXXX XXXX XXXX XXXX XXXX. I called Bank of America and explained that he business was having problems and that is why we were a few months behind on payments on the business credit card. I called on XX/XX/2019 and made the minimum payment of {$100.00} that was told to me to pay and Bank of America accepted it. I noticed today XX/XX/2019 that {$750.00} was taken from my personal checking account and transferred to make a payment to the Business Banking Credit Card. I called Bank of America, and they stated they have the right to collect a debt and can take from any other account that I have with Bank of America be it business or personal. I asked for the funds to be transferred back from the card to my checking account, given I did not receive a call or mail notification that this would happen and that I made a payment the prior month and it was accepted over the phone with an agent and the fact that this could happen was not brought to my attention. In doing this I am now facing a hardship as the amount taken was not expected. I asked if paying the minimum payment that was provided on the phone would be okay and that I can do it in XX/XX/XXXXand I was told this would be okay, and then Bank of America took out {$750.00}. I need these funds back in my checking account. I was not aware when I set this account up and it was not explained to me that a business account and business credit card could be tied to personal accounts, I was told they are separate and as you can not conduct business from your personal checking account, personal and business checking accounts and accounts in general are totally separate. If that is the case, why did Bank of America without my permission transfer funds from my personal checking account to pay current the business credit card? Bank of America was unwilling to work with me and I need help at this time.

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 2019-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This account was opened about 20 years ago. I have not received any statements. I made a deposit to my IRA account on XXXX for {$1000.00} this amount was never credited to my account. I have been trying to resolve this problem for over 2 and a half years. In addition the Internal Revenue Service ( IRS ) states that they have no record of this amount being deposited into my IRA 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 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had fraud on my checking account on XX/XX/2019 for {$1400.00} and XXXX XXXX for {$1300.00} from an unknown XXXX account. I finally received my money back from Chase bank, but Chase bank said I had to close my account and reopen another account, which I closed my account as they advised me to do, then chase branch manager XXXX XXXX said I was no longer grandfathered in. I have had this account approximately 30 years. So since they were going to charge me a fee I decided to make a complaint before opening another account with chase. Chase never alerted me about these two fraud charges, I had to learn this myself by logging into my account. Then chase let it happen a second time on XX/XX/2019 for {$1300.00} again without alerting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late? {$110.00} past due? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On XXXX XXXX, 2019 I visited XXXX in XXXX, Texas to establish an account. I was denied, per personal banker due to a hardstop from XXXX. I was informed that a fraud alert was placed on my record. I was a victim of identity theft and had notified the Federal Trade Commission  and all credit reporting agencies. On the same day, I contacted XXXX and was informed that due to technical issues the company was closed. I tried several days and could not reach XXXX. Finally, I was able to speak to a agent at XXXX. I explained to the agent that I was a victim of identity fraud and wanted to lift the security freeze to establish an account at a credit union. I stated that I have all documentation for filing a police report, the complaint form from the Federal Trade Commision. I, also, mentioned that I had left my name, address and phone number on XXXX voicemail to receive the form to lift the security freeze. Per message, I would receive the form in 5-10 business days. As of today, XX/XX/XXXX, I have not receive the form from 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 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I have several collections placed on my from Online Information Services. I have disputed these accounts several times. I received billing statements with just my name and an amount. This is not proper validation according to the FDCRA. 

The collections are not mine and I am unable to contact the original creditor because the hospital was bought out and renamed. I keep getting told to dispute with the credit bureaus. Well I spoke with an attorney and was advised to start here first before filing suit. This has already taken up too much of my time for accounts that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was sold a puppy by XXXX. I was promised a Labrador named XXXX shipped to me for {$500.00}. The seller said he wanted me to use XXXX to transfer the money, and since my bank, Wells Fargo, offered this service, I felt it was reputable and would be a protected payment as if I used another service. After sending the payment, the seller said that I needed to buy a thermal crate ( between {$900.00} and {$1600.00} ) to have the puppy shipped in since the regular crate wasnt sufficient for the weather and the size of the puppy. I started asking questions and realized that this wasnt as advertised. I didnt send any more money but then asked the seller to refund my {$500.00} payment as I told him that I couldnt afford to buy a different crate. He said he would refund the money and then blocked my number. When I call him now, it doesnt ring and says call rejected. I am upset that XXXX isnt backed by Wells Fargo to recover fraudulent charges and that this site continues to operate.

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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Birchwood Credit Services, Inc.
State: NJ

Complaint narrative:
XXXX credit XX/XX/18 I never was brought up or learned about soft inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over 25 years. Someone open a XXXX XXXX XXXX credit card account ending in XXXX with Chase Bank. The credit card account is fraudulent. I never applied for the credit card account. Chase Bank is holding me liable for a fraudulent account which I did not apply for and it doesnt belong to me. I am now having issues opening a credit card account with Chase Bank because of the fraudulent account. Thats very unfair to me that Im being held liable for a fraudulent account. Its a violation of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA stated on XXXX that they will not proceed with consideration of my mortgage application unless I pay them {$500.00} before XXXX. The loan officer said that the payment is required of all borrowers to demonstrate their commitment to USAA as their lender. I do not believe that I should have to pay USAA for consideration of my VA loan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over 25 years. Someone stole and used my Citibank Visa credit card account and made fraudulent charges using my credit card account. The balance on the fraudulent account is {$24000.00}. I want Citibank to not hold me liable for the fraudulent charges and send me a new card with a new account number with my credit limit of {$11000.00}. Under the Fair Credit Billing Act ( FCBA ) which is federal law, I cant be held liable for fraudulent charges and unauthorized use of my credit card and credit card number. Citibank is violating FCBA by holding me liable for fraudulent and unauthorized charges/transactions on my Citibank Visa credit card 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 2019-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I emailed capital one on XX/XX/2019 asking if I could merge to cards because I saw the option was no longer on your website and capital one was not giving me a credit limit increase. I didnt get a response from the executive office until almost a month later saying that option is temporarily removed. OK, that was fine. I have other credit cards I can use. 

While I am going back and forth with XXXX from the executive office, another issue on my capital one savor card arises. I am charged a CASH ADVANCE fee for a purchase I made. The problem is that months prior to this, I disabled the cash advance option to {$0.00}. Capital one assured me that no cash advances could be charged to the account. I called and spoke with an account supervisor named XXXX who said she doesnt know why I was charged that but couldnt refund me even though it was capital ones fault. OK so I call XXXX again and she says she has to do research. Its now been close to 3 weeks and still no resolution and my bill is coming up with {$63.00} of interest I have to pay because of an error on capital ones part. Ive never had this issue with any other card issuer and it seems like a way to scam customers into paying fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Remove the Fraud alert in my Credit File 10 years I can't get a Loan and have endless banking problems caused by the Fraud Alert on my Credit file makes it so I can't open any new Bank acounts 50 Time I wrote the 3 Credit Burros with 3 Forms of ID and Ask the Credit Burrow two Please remove the Fraud alert on my Account Please Remove

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 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have sent in a written request to close my XXXX account XXXX. The signed letter went USPS tracking # XXXX. They refuse to close without a visit to the branch.

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 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have 2 collections reporting on my credit reports from XXXX XXXX XXXX. I want these account properly verified and validated according to the law and the FDCRA. 
There is no way this collection agency is able to do that because I have no knowledge of the accounts reporting and I have never had Services with XXXX XXXX. They have also added another collection claiming they are collecting for XXXX XXXX XXXX, also something I know nothing about. 
These collections are damaging my reports and my good name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: Michael Andrews & Associates LLC
State: MN

Complaint narrative:
I have had several credit inquiries from Michael Andrews and associates within the past year of XX/XX/XXXX.  These hard inquiries are without my knowledge or consent, and I have not had the option to obtain the report as required by law. The inquiries are from XX/XX/XXXX and XX/XX/XXXX, after calling the company they refused to provide me with information, and I was not willing to give my social security because they are already pulling my credit. They hung up on me and I still have no knowledge what this company has intentions on doing to my credit. After calling leaving a voice mail in their office to ceased and desist on inquiring my credit report I filed a complaint with the better business burial. I received another inquiry today XX/XX/XXXX from a simular company from the same address and contact information as Michael Andrews and Associates under a XXXX XXXX XXXX XXXX inquiring on an installment loan. These inquiries on my credit are unfair business practices and unlawful, due to my lack of knowledge on why they are even inquiring every 6 months or so and applying for loans that is unauthorized and the companies failure to provide that information as requested. I have no debt based on my credit report on all 3 reporting agencies and Ive pulled my credit recently to make sure of that. I will make sure this matter gets escalated as needed and 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 2019-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
XX/XX/19- ONLINE Lender XXXX Loan ID # XXXX Unable to pay online- option is not able to function with no explanation from company as to WHY last month XX/XX/2019 or this month XX/XX/2019. Unable to CHANGE VIEW VERIFY full banking acct info. unable to CHANGE VIEW VERIFY email address on file. Same issue XX/XX/2019 and I was told this would be resolved. It is not. Prior complaint stated that I told company not to email me. I did not. FOR THE RECORD THE COMPANY CAN email me ANYTIME DAY OR NIGHT AT XXXX XX/XX/19 I just called again, spoke to XXXX whom assured me this issue would be escalated, so I can check back in few days for access to my account information. Prior complaints filed, as Co. is  difficult to work with/lack of integrity in fairly dealing with consumer/prevent you from paying or knowing about amounts due, no notices, but no access to account either. I get emails sometimes, but in last complaint they stated I requested no email contact from them. I DID NOT. NEVER Happened. Only get emails when convenient for company. They want your account to go past due to add on more fees. Blocking me from accessing account is violation of the FDCPA.. YOU ARE preventing me from paying online and seeing what you are really doing with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX a guard rail was damaged in a vehicle accident on the Florida XXXX. The driver of a truck owned by me was run off the road, Even though there were 2 witnesses to this fact the Trooper ( she was new/in training had to call her supervisor to ask what to do ) charged him with the accident. We hired an attorney and the witness statements were reviewed so it was dismissed, no charges to the driver. XXXX XXXX company confirmed if no charges then there is no liability to pay for the guard rail. This was all communicated to : XXXX XXXX Claims Assistant, Office of the General Counsel - FDOT, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. All documentation of dismissal and attorney 's contact information was provided. 
But then on XX/XX/XXXX I received a collection notice for guard rail damage {$6100.00} due to FDOT from Municipal Service Bureau, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 
It stated I could dispute within 30 days and they would mail back to me a verification of this debt. I then sent them a dispute letter via certified mail and I have proof they received it XX/XX/XXXX. I requested they check with FDOT as there is no liability on my part and I requested they close the case as invalid. As of today they have not mailed me any type of verification. They continue to have their agents call and leave messages that I need to pay this invalid debt. When I call back asking about my dispute no one will even acknowledge I sent one. I am being harassed over a debt that XXXX XXXX Co would have promptly paid if I owed it. I have a full property damage policy. I have again written to them today requesting they cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: Centralized Business Solutions Company
State: OH

Complaint narrative:
I was told this shouldnt be on my credit report because I was a minor and their were going to take it off because it was supposed to go with my mother i was XXXX at the time and its been 4 months and it remain on my credit report this is messing with a huge part of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax would rather play games and semantics than to just fix my Identity Theft Problem. I have attached their response to my letter ( also attached ) which includes an Identity Theft Report from the FTC. They need to delete the items right away or face violations under the FCRA. I don't know why I must spend so many countless hours trying to get this company to correct the mistakes on my credit report, which I have clearly shown in the attached. 

cc : XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief