vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT acct with bank of america na is showing a balance of XXXX owed with late payments past XX/XX/XXXX to present date. it is showing missed payments from XX/XX/XXXX and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX the have also violated the consumer protection act by not replying to dispute letter dated XX/XX/XXXX to dispute this acct. they stated that they did not receive the letter at bank of america address. but the address sent to is the address on the credit report that they send to all agencies. the address on credit reports are bank of america XXXX XXXX XXXX XXXX florida XXXX. I will attach letter receipt to show they revived it. plus other information from prior case number. plus they are adding late payments on this acct every month after notice to cfpb of actions to be taken.with reciept of letter and constant late payments request XXXX per incident. no reply in 30 days. and no correction done on credit reports. I hav called XXXX XXXX and left vm multiple times with no reply on this issue.TOOK OVER 30 DAYS ON MULTIPLE COMPLAINTS

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 2020-04-22 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/20, I received a Citizen Bank credit card that I did not apply for. I alerted Citizen Bank and they are investigating the application. They told me to alert the credit agencies that someone had my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
this collection is not mines

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$440.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one 360 closed my account with no notice. They are denying me access to XXXX dollars in funds and basically holding my money hostage. I received no notification that my account would be closed. I have bills to pay and need to have access to these funds. These actions are predatory and ridiculous. They gave me no indication of why my account was closed and told me it could be up to 3 months before they would consider giving me my money back. I expect them to allow me access to transfer my money to a new bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of 2019 a late charge was access to my account with XXXX XXXX. I had automatic pay setup with XXXX XXXX  which was my Walmart card and they were brought out by Capital One Bank. No one notified me as to the fact of the change in companies. So my automatic pay was canceled through XXXX XXXX  and never picked up by Capital One. So at the end of the billing cycle I noticed it hadn't come out of my account so I called XXXX XXXX  and they transferred me to Capital One and explain to me that I would have to set up automatic pay through Capital One. So I did so and I explained to them that I needed that late payment taken off of my account. At that moment I paid the account balance off and they assured me that they would look into removing the late payment. I even put a dispute in through the XXXX XXXX app. I never was late on any payment and now that I'm trying to buy a house this is hindering me. Can you please help me to get this removed off of my credit history due to improper notification. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I accidentally used my XXXX XXXX bill pay to pay a closed account instead of our open credit card through Capital One. The Capital One website shows my payment of {$1600.00} on XX/XX/XXXX as well as my XXXX XXXX checking account. XXXX XXXX and myself have contacted Capital one and they state they dont show the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 {$9600.00}, {$3200.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -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 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
The only phone number I was on hold for 2and a half hours one night and it hung up on me. Then the next day I was on hold for 4hours to get disconnected. Now on day three it's a busy sound

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 2020-04-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020 my wifes purse was stolen from the vehicle. Among items Stolen was a Chase credit card ending in XXXX. My wife called Chase to cancel the card ASAP. The thief used the card within 30 minutes at Best Buy to make a {$1400.00} purchase. I dont understand how since on the back of the card it says SEE ID! When my wife cancelled the card she was told not to worry about the charges. 
The cancellation was confirmed via letter on XX/XX/2020. On XX/XX/2020 we received a letter that Chase completed the investigation and found that we are responsible for the transaction because you received a benefit from this transaction. We emailed back Chase ( because theres no way to contact them over the phone ) with the Police report we filled. The perpetrator is a XXXX  XXXX XXXX  male and my wife is a petite XXXX. We sent them the deputy info with the case number. 
On XX/XX/2020 we received a 3rd letter that Chase reviewed the fraud claim again and found that the transaction is valid. I dont understand how they can claim the transaction is valid when it wasnt performed by anyone authorized to use the card nor sign for it?!?! 
In addition, Chase provided this to the credit reporting agencies and warned us that it may not be reflected accurately. They stated they closed the fraud claim and assured us they researched the fraud claim thoroughly. How did they do that when they didnt contact the deputy in charge of the case. We have the email we went chase at the email indicated by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22 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 {$3200.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I was 2 months behind on my car payment due to a shutdown of my. Job related to Coronavirus. 
When I received my Stimulus Check, it was used to pay my missed car payments. 
I have emailed Santander Bank numerous times asking for a lower interest rate and lower payment amount, Well Santander reported me to Credit Bureau and stated I was 30 to 60 days late. 
I have paid my car on time of {$330.00} per month for 3 years and the remaining balance I owe now of {$4000.00} is interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Received multiple calls from person identifying hi self as an agent from Sunrise Credit Services. Purpose of the call was to collect a debt from XXXX. I informed the person that we arent customers of XXXX and that he should provide evidence via email to justify the claim. The information was never provided. In XX/XX/2019, I noticed an entry on my credit report w/o any further communication or provideing evidence of the debt. Highly unprofessional, if not incompetent. Those people/businesses should. Or be allowed to extort and harass people. 
I would appreciate if the agency initiate actions against the company a d stops these practices. It is already extremely irritating to have to even file a complaint like this. 
Kind regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/XXXX bank transfer from us bank to citcard XX/XX/XXXX I recieved a letter stating invalid account status and ineligible account status XX/XX/XXXX called us bank. They stated that I closed the account which i never did. 
no call no information for over 10 days. I thought everything was fine. turns out someone cancelled the bank account meaning transfer never happened. 
XXXX was charged to me in interest by XXXX XXXX  as i was going to pay it off. They reoppend my account on XX/XX/XXXX and made the transfer late. I also had to pay the {$420.00} transfer fee on top of their mistake. Meaning im out {$740.00} Still to this date no one knows why it was closed and by whom. If i was notified in a timely manner or left a message, call or email this could have been avoided and I could have gone somewhere else for the loan. 


I have copies of all the paperwork with 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 explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
Received last statement on XXXX stating that the balance on my mortgage= {$270000.00} When closing on XX/XX/15, total = {$290000.00}, so asked for accounting of why Bayview/XXXX  took an extra {$16000.00} from our payoff. 
Asked for accounting and audit of where these funds are and why the discrepancy?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 {$3200.00}.

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 ) I am writing to request the method of verification for dispute initiated on Oct 30, 2019 and the subsequent response received on Apr 18, 2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -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 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I have a Direct Express Card I used the card to send my daughter money and then I took the money back off the card so it would have left me a balance of XXXX on there'sthen i heard XXXX missing off of the card. I called at that point to find out where the {$56.00} went they told me that I'd have to wait that it was still pending that have to wait 5 days. On XXXX 2020 I called to let them know that money was missing and asked where the money was in what company it was they told me something FL XXXX I don't know that company I didn't use the card my husband never used the card my kids are XXXX and XXXX they don't use my card the lady told me that she could tell that it was fraud based on looking at it and that there were three other ones and gave me three other dates that money was missing off the card is well their own company told me that it was fraud to begin with on the XXXX when I talked to her she told me that it was fraud and all I had to do is fill out a form in the money would be credited that was the phone call I filled out the form I sent it in now they're denying me telling me that it's from being online and it's a recurring online fee and I asked them where and they gave me letters it's not even a company it's a bunch of letters I asked where it was being used what those places are they told me they don't know they can't give me that information how can you not give me the information to where you sent my my card my money I went and talked to a supervisor after supervisor first they told me they couldn't even connect me with the people that look into it and then the next person said over why don't we connect you to the people that investigated it and they still don't know and still gave me yzq are whatever a bunch of letters okay and told me that it was from online I don't use my stuff and when I do use it for online I know where it's being spent when I use it online I use it for stuff like my Internet bill which is {$10.00} a month I use it for my electric I didn't use it for electric this month so where did this {$230.00} go they can't tell me all they can tell me is it comes off reoccurring and I even went and got a new card and now I'm going to make a police report.. I look up the places online and they're different domain sites so now they're telling me I'm paying online to own domains I'm an at home mom that does nothing I'm very sick I do nothing I don't own any domain I wouldn't even know how to get a domain I can't even get my keyboard to unstick on my computer my space key don't work and I couldn't even tell you how to undo my space kitty make it work. Totally switching to a different card as soon as I can had it not been so close to the beginning of this month I'd be switching it already I can't wait for my money to load to a new card or else I'd be kicked out of my house

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Receive a call stating that they are trying to collect a debt that isn't mines. I never received any services from this place of business and made this aware to them that this is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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: MD

Complaint narrative:
i recently pulled a copy of my credit report and noticed accounts i did not open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I used citi bank online pay to make a payment to my pnc bank on XX/XX/20. I used my XXXX checking account as the merchant. As of XX/XX/20, XXXX has not received the funds and citi bank is saying the transaction has been cleared and the money should have been received by XXXX. I provided XXXX the reference # and they still have no record of it and there is no evidence of this money in my account. 
Citi bank is refusing to do dispute and I am not a happy customer. 
Thx

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