vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020, I logged into my Bank of America account at about XXXX through my cell phone and noticed a withdraw of {$1000.00} at a XXXX XXXX atm located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX in which I did not make! I immediately looked for my bank card thinking perhaps I lost it, but to my surprise, I had not. I immediately called BOA to report fraudulent activity on my account. They proceeded to gather my information about my claim, cancel my bank card and transfer me to the claims department so that I may go through the dispute process. They sent me a new card, advised me to file a police report since the amount was more then {$500.00} and fax it over to them. I did everything I was told to and faxed the information on XX/XX/XXXX. I received my new bank card 2 days after my claim and it worked fine up until XX/XX/XXXX when my account was closed suddenly. I immediately called BOA to find out what happened and they said it was closed due to fraudulent claims. Since then I have gotten the run around from them and am constantly being hung up on after waiting on hold long periods of time. They cant even tell me if my police report has been received. I received a letter stating that my claim has been closed dated XX/XX/XXXX, because they believe the account or the claim has been subject to fraud. I dont know what else to do and it seems that there are many many other people this is happening too. Please help me. BOA did not investigate my claim!

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 2020-12-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$10000.00} -This is not my 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 2020-12-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2012 with a balance of {$10000.00} -This is not my 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 2020-12-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was sent an email at XXXX for a {$300.00} American Express gift card on XX/XX/20. The email directed me to click on a bar to view and print the card - this bar was a bait and switch link that took me to a sign in page that asked for the card number and security code to set up the card. This {$300.00} American Express gift card was paid for and sent to me in good faith by a relative ( order # : XXXX ). 
At XXXX XXXX  on XX/XX/20, I called American Express at XXXX XXXX XXXX and had to press XXXX, and then XXXX to speak to a person - XXXX informed me that I can't view or print the card because I need to troubleshoot my computer and change my browser to XXXX. I asked her to send me the card to my address - she then told me that if I don't switch to XXXX, then I need to have the person who sent the email gift card to fix the problem! 

Note : I had no problem redeeming an XXXX gift card online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
since XX/XX/XXXX i have sent letters to verify my supposed collection that is only being reported to XXXX. in my last letter dated XX/XX/XXXX i have attached proof of my account summary from XXXX  showing i dont have collections being reported.

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 2020-12-30 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: MoneyLion Inc.
State: CO

Complaint narrative:
On XX/XX/2020 I noticed my Moneylion bank account had three unauthorized transaction 's, {$500.00}, {$200.00}, {$1000.00} totaling {$1700.00} all said paid to XXXX. I called my bank but they were closed and I could only reach XXXX through chat messages, which they said they couldn't help me since I don't have a XXXX account and advised me to call my financial institution. When speaking to Moneylion they sent me a dispute form and instructed me to fill it out then send it back when done, afterwards they had 10 days to investigate the charges. After 10 days the monies was deposited back into my account, but 12 days after Moneylion reversed the credit leaving my account negative. I tried calling multiple times asking for a supervisor to call me back, which I never received, was only told the dispute team had made the final decision and I sent an email, which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: CT

Complaint narrative:
I am a XXXX  XXXX XXXX from XXXX connecticut XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX. There are plenty of locations in connecticut but my XXXX  is registered in the XXXX where the closest location is in XXXX XXXX. I came in and attempted to open an account with all of the necessary documents, the articles of incorporation, tax id, personal I.D . ect. And the manager made me feel like a criminal, he said he drove by my house everyday on the way home acted as though my docunentation was not enough and began ask me for additional proof of address and proof of homeownership like tax records to which I replied that it's public record he also mentioned something about we do not open accounts because people want to, that's when I had enough and told him well maybe I don't want to anymore, i asked for his card and told him what I just experienced here is discrimination and your going to regret it and left.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CO

Complaint narrative:
Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.

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 2020-12-30 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Avant Credit Corporation
State: OK

Complaint narrative:
On XX/XX/XXXX I sent my original dispute to Avant credit card through XXXX XXXX for an unauthorized account being opened in my name. I've been XXXX at XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX  XXXX since XX/XX/XXXX. And I given this company the opportunity to resolve my issues I've sent everything company everything it has asked for except a police Report, I've advised this company that I can not get no police report or even file one because I'm still presently, currently still XXXX  in a XXXX XXXX, will be so until I discharge my XXXX XXXX. Under normal situations I can understand this being needed but due to my being XXXX  can very well been resolved by calling the XXXX XXXX XXXX XXXX records office, providing my name XXXX XXXX # XXXX XXXX number, ask when did I start my XXXX  which was XX/XX/XXXX which could have been easily verified, would've shown it was impossible for me to have opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I have seen a large increase in collections on my credit from THE CBE group and many of them are for the same amount. When I called the company to ask what all of these are they stated that they are XXXX collections and they were for repeated use of the same thing. I asked them for proof of the debt and they stated they would send that to me and after this same request 5 times I finally got the documentation and on that documentation there were over 2 dozen debts that were past the statute of limitations in my state yet they were still collecting on them. There were also debts for the dates that were 1-3 months apart and for the same amounts but no proof of the fact that I was the person seen on those dates. When I asked for more specific information they stated that is all they had to provide. I stated just because you say this is my debt doesn't mean that it is, I asked for proof that I was the person that owes this money, they just stated it was me. I called the company myself to try to get a hold of someone who could clarify this for me and they stated that they had no records of those dates of service. So I again questioned the CBE group and was told that I needed to pay a total of over XXXX when there is only XXXX showing on my credit report. I believe that this company has continued to renew account to report to the Credit bureaus for the sake of damaging my credit and strong arming me paying money I do not owe. I have never been sent proof that this medical debt was me, no proof of the doctors saw me, or any member of my family. The second part of this is that when I spoke to several agents they mentioned that my credit report would be hurt by me not paying the full amount of XXXX. When I was trying to buy a house I offered to pay the amount that was on my credit to get it removed and was told that I have to pay the XXXX or they would not remove a single account from the credit. I then asked if I can pay the specific accounts that are showing on my credit report even though I don't believe they are mine, they stated that now that they know I am paying the accounts XXXX by XXXX they would still not remove accounts that are paid from my credit until I paid all the debt that they say I had in their office which was the XXXX. The agent stated that he was noting this down so any agent would tell me the same thing. The CBE group is a bunch of unregulated scammers that skirt the lines and try to collect on debts they can't prove. I want all accounts from the CBE group off my credit and I want any collections that they claim to have removed from their office. I have paid thousands of dollars more in interest than I should have and have been denied several attempts to purchase a house, cars and get credit cards to attempt to build my credit up due to this company and their shady collection tactics. Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Dear Paypal I want to appeal the outcome of this Paypal case ID : XXXX because when appealing thru paypal resolution is not possible, it shows a paypal glitch and error on the website and do not allow me to appeal. I am attaching pictures from the USPS delivery and pictures of item sold here. Please reverse the outcome and please put my {$490.00} back into my paypal balance again, I complied with the Paypal policy and rules and seller protection policy such as uploading the USPS tracking number. Thank you PS : here is the USPS Tracking Number : XXXX for my Appeal and URL link : https : //tools.usps.com/go/TrackConfirmAction? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: VA

Complaint narrative:
This person with XXXX and phone number XXXX called me stating to be a XX/XX/XXXX representative and asked if I had XX/XX/XXXX and which I said yes. But, I hanged up since it seemed fishy. But, the person managed to hack my phone through the XXXX app. Was able to find my XXXX XXXX XXXX  it and stole my XX/XX/XXXX login info. Get in get the code to get past the double security feature. And send XXXX to himself through a zelle account I didn't make towards XXXX. the next day I woke up logged into it and saw that and started contacting my bank saying to factory reset my phone and run an anti-hack program which I did and they told me there is nothing to be done and believe I gave my authority on the transaction when I didn't since he had full access to my phone after the hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
Please re open a previously closed complaint # XXXX. 

Theie response is not accurate and has not been vetted. I have been and currently am a solid and loyal customer of XXXX for over 12 years now. I pay {$300.00} every month for 4 phone lines. This makes absolutely no sense to open an account for a month then turn around and not pay it off. They can check my name in their system and it will show this same information. 

As a matter of fact My XXXX YEAR OLD daughter was at the mall XXXX shopping without me and decided to ask the kid working at XXXX how to upgrade her phone. The kid working at XXXX told her she just needed to pay a fee upfront and sign her father 's name which is XXXX. The XXXX rep did not ask for any ID AND LET MY XXXX YEAR OLD DAUGHTER UPGRADE A PHONE I JUST FINISHED PAYING OFF TO THE NEW XXXX XXXX. Now I'm stuck paying on a new phone XXXX again for the next 2 years. XXXX OBVIOUSLY HAS People working there doing shady /unfair and illegal transactions just to make a sale. They can pull their video tapes and check. 

THIS GOES TO SHOW HOW XXXX ONLY CARES ABOUT MAKING MONEY AND Doesn't check IDs I presume this is what happened in 2016 when someone used my information at XXXX and now I'm being penalized for a debt I did not create. This makes absolutely no sense at ALL why would I get a phone and text myself ... There are only 4 of us in my home and ive been paying for 4 phones for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a debt collector calling and harassing my MOTHER IN LAW that they will put a lien on her over XXXX dollar home over XXXX of MY debt ... ... ... THIS IS NOT OKAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have never had a account with synchrony and someone used my information in the past to open fraudulent accounts years ago which they state they corrected. I tried applying for a XXXX  card which would be my first account with this bank and they denied me based on bad history with the bank but it was not my history and thats unfair.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
The account is fraudulent this account and theyre trying to collect for is not mine I did not open it I have no knowledge of this somebody stole my identity and open the account I have no knowledge of this Im alerting the proper authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
OVER XXXX YEAR OLD ACCOUNT - CAPITAL ONE - card ending XXXX DATE : XX/XX/2020 AMOUNT : {$49.00} - XXXX XXXX ( I think this is XXXX campaign got my number from XXXX without my approval ). 

NEW CAPITAL ONE CARD - card ending XXXX. 

CARD WAS SENT BACK IN PIECES U.S.P.S. XXXX ALONG WITH DOCUMENTATION STATING THE END OF BUSINESS + OVER 100 FAXS EVERY DAY FOR A MONTH.

CRIMINALS CONTINUE TO BILL {$4.00} A MONTH + {$49.00} + INTEREST. 

PLEASE END THIS XXXX - THESE BLOOD SUCKERS HATE AMERICAN CITIZENS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/24 I made a Ach transfer for XXXX $ They told me because they received so many transfers, mine was delayed for 3 days, although it was processed as complete on XX/XX/24. I called in for 4 days since XX/XX/24 and each time they told me to wait the 3rd business day.

They were using this one transaction to steal money from my account.

I would like to speak with someone from their bank

Company response to consumer: Closed with explanation