vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: TX

Complaint narrative:
at XX/XX/2021 XXXX XXXX used my card without my authorization and charge me {$1000.00} for product it did not purchased and did not receive I brought this to the attention of bank of America, 26 days later I received Resolved - claim not paid, they did not even talk to XXXX XXXX XXXX. i did not purchased anything from them that day

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 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I regarding BinanceXXXX  crypto exchange ticket number XXXX. 

I have send $ XXXX worth of XXXX  virtual currency from XXXX to Binance. It's been a week it did not deposit. I have multiple tickets but their customer support team is not responding. Heared it's happening for multiple clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr Cooper withdrew my mortgage payment 3 times which is NOT even due without my authorization. I am now left with a negative account and no money to even buy groceries for my family. I have called every single day and get the same response and apology and they keep saying that the issue will be resolved. Ive called my XXXX XXXX and they say they cant do anything to stop the transactions and that Mr Cooper has to reverse the payments. Im in complete panic because I have zero money and dont know when Ill get my money back. My bank has assured me that nobody has been in contact with them regarding the unauthorized transactions. Mr. Cooper is lying to us every time we call saying they are handling the issue. I need my money back immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
This company has falsely reported this debt on my credit report. This debt has been discharged via bankruptcy. This company has violated Ohio State Bankruptcy law by continuing to attempt to collect. Filed on XX/XX/XXXX. XXXX. Discharged XX/XX/XXXX. Medicredit was provided Bankruptcy documentation in XXXX and acknowledged the debt was no longer valid and all collection efforts would be stopped. I have suffered financial damages as a direct result of this companies illegal activity. I am pursuing legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: IL

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Premium Credit Bureau
State: FL

Complaint narrative:
I receipt an alert for a new inquiry whit the date XX/XX/2021 and the name premium credit bureau and my credit on XXXX go downXXXX  and I dont recognize this, that was no me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
" WARNING ''. There are two negative accounts on my credit report which may be from the Equifax data breach of XXXX. Acct # XXXX for the amount of {$140.00} and the second acct # XXXX for the amount of {$81.00}. These two accounts are still being reported after " 83 DAY 'S '' with Equifax after I've sent them a letter on XX/XX/XXXX ( copy of letter is attached ) stating that the accounts were not mine. XXXX XXXX XXXX both deleted both accounts off my credit report XXXX a copy is attached ). As Equifax is well aware, federal law requires credit reporting agencies to respond within 30 days. Equifax has failed to respond in the proper time frame. Failure to comply with these federal regulations by credit reporting agencies will be investigated by the FTC ( 15 USC 41, et seq ) and they must delete the item immediately. If Equifax do not delete this item they may be liable for their non- compliance. Leaving this inaccurate information on my credit report is a Defamation of my Character and has brought me in a stressful state of mind. Im asking to please remove these two accounts off my credit report immediately! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
I have made many attempts to dispute the following accounts on my credit file ; these account do not belong to me. This is a case of stolen identity. I have asked Both XXXX XXXXXXXX XXXX and XXXX to send me proof that I opened this account. I have not received this proof. Perhaps you can get them to send you the proof. I have submitted them with an affidavit of fraud and I am including a copy of this affidavit. 

These are not my accounts : XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$4000.00} XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$2500.00} XXXX - XXXX ; Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NY

Complaint narrative:
Capital One has many problems, they rebill or make " purchase '' adjustment with notification and surreptiously make posting without notifying. 

In addition you can not contact by email as they do not have this or chat like other credit cards XXXX XXXX and others. 

XX/XX/2021 CApital One made a " purchase adjustment charge of {$28.00}. 
I want to know what is this for and in future they tell me in notification and adjustment write me letter explaining any purchase adjustments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 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: TN

Complaint narrative:
Complaint Against Lender : CAPITAL ONE BANK USA XXXX On XX/XX/2020, a total of ( 2 ) payments were set up and scheduled for automatic payments through the mobile app to reflect towards both MasterCard accounts with Capital One. 


XX/XX/2020, After attempting to make a purchase using one of the cards, I notice that the balance did not include my previously scheduled payments, so I reached out to Capital One. At this moment I was informed that the payments were missed and I had a past due balance on both accounts. I informed them that the accounts were scheduled and set up for automatic payments in XXXX. After an account review, the representative informed me that there may have been an issue with the app version and offered a credit for the late fees and a payment option. 

Upon accepting this option I asked that the payments be updated to credit bureaus and they assured me that it would. After reviewing the account I see that it was only reported as an improved account. 

I reached out to the Bank on XX/XX/XXXX and asked that changes be made. The agent said that because of the time frame, I should further dispute it through another department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Drew Eckl & Farnham, LLP
State: GA

Complaint narrative:
XXXX  XXXX XXXX has threatened to sue me for a HELOC loan. I have been making payments on the HELOC every month. The Attorney that the XXXX used submitted incorrect financial amounts to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NY

Complaint narrative:
I see previous complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were closed without notification nor response by company I was complaining to XXXX it too much to ask? 
Capital One has no email to contact, when I phone I spend 10 minutes to give background to customer service and they say they will review and I rarely get reply So when Capital One responds to CFPB with response to close I like to know response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$1500.00}. My credit card balance after 3 days showed a {$0.00} balance. On XX/XX/21 the original payment of {$1500.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definitaley money in the account to pay the balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$250.00} in the promise that it would be paid with the same checking account that paid off my credit card. I submitted payment for the XXXX transaction on XX/XX/21 in the amound of {$250.00}. It was returned as insufficient funds on XX/XX/21. I disputed this transaction of {$250.00} on XX/XX/21. Sent in all of the requested information. Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This debt was paid in full and marked closed. Creditor agreed to remove from all credit bureaus due to discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has threatened to sue me for a HELOC loan. I have been making payments on the HELOC every month. The Attorney that the Bank used submitted incorrect financial amounts to XXXX County Magistrate Court.

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 2021-04-29 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2021 I noticed a fraudulent charge on my Citi XXXX XXXX card for an XXXX ride I did not order. The amount charged fraudulently was {$67.00}. I checked my own XXXX account and confirmed there was no recent activity. I immediately went online to dispute the charge. The website said I could not dispute the charge until it had posted, which I thought was a mistake since someone had my card information. I called the number on the back of the card to report this. The representative I spoke to told me that he would need to transfer me to another department. He then hung up on me. 

Following being hung up on, I used Citi 's online chat feature. This representative let me know that my account now had a fraud lock on it, and I would have to call the fraud department. Using the number provided, I called the fraud department and was again hung up on by that representative after answering the same questions I had answered with the first two representatives. 

I returned to the chat representative who told me to call in again and request to speak to a manager. I did, but the representative on the phone said she could only transfer me to a supervisor. The supervisor said that there was no manager available, and I would be called back within 24 hours. I never received a call back. 

The supervisor on the phone was ultimately not able to help me, as the fraud lock required she verify my identity which for some reason she was unable to do. The fraud in this case was not detected by Citi at all, I alerted Citi of it when I called. 

After receiving a validation letter to verify my identity a few days later, I called back and was disconnected by their automated service. I called again and was finally able to get the card cancelled and a new one sent. 

On XX/XX/XXXX I received a notification that my dispute had been denied, and their credit was reversed. The " proof '' supplied by the merchant was a receipt written to someone named XXXX. My name is not XXXX. The XXXX ride took place in XXXX XXXX XXXX, where I have not been in years. The only information provided for the billing address is " XXXX '' which clearly does not match my account. The contact email and phone number provided by this person also do not match mine. I have a copy of the documentation provided by XXXX to Citi and have attached it below. 

As requested by Citi, I signed a document affirming that " Neither I nor anyone authorized by me made this charge ( s ). '' I emailed this to them at the provided email address on XX/XX/2021.

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 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/2019, a payment was scheduled a day prior to the due date in the amount of {$340.00}. I received a confirmation email at XXXX XXXX stating that the payment will be posted on XX/XX/2019, which is my due date. 

At this time the information reported to bureaus is that the payment is late. There was no late payment made, and all funds were collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: GA

Complaint narrative:
I had no idea who this company was. I never signed a contract with this company nor did I recieve any notification even though I don't owe debt to them. This company was put on my credit report for two bills that were already paid to the original creditor!! I never owed these people anything. The original creditor is XXXX XXXX XXXX XXXX thru XXXX XXXX. As soon as XXXX reached out to me I paid it. I knew nothing about the bill until then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have no knowledge of this account when I try to get information on it they refuse to give me any because my name is not the same, they keep calling me under that name, when Im at work and the speaker goes on when they call, I have tried to dispute it, I do t k ow where this account came from, Im not getting anywhere. This is really hurting me. I cant get an apartment Im stuck in the shelter system. I need some help some answers please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
I signed up for an account in XXXX, but haven't been able to " verify '' all of my information, although I have emails saying that I am verified. I have {$100.00} stuck in their system, and I have made NUMEROUS complaint tickets, XXXX  at them, sent messages on XXXX and XXXX ... with no reply. This is going on four months with no reply from them on how to get my account operational so that I can withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: MN

Complaint narrative:
I worked with the XXXX XXXX firm for debt consolidation. I settled my accounts with XXXX XXXX, XXXX XXXX  , & XXXX XXXX in 2019. According to the credit bureaus the accounts are still delinquent. I reached out to the XXXX law firm & they told me it should have been reported 90 days after it was settled. Ive recently been told they are reaching out to them but they dont know how long it will take. Bottom line. The resolved accounts have been cleared but the creditors have not reported it for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX XXXX SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I don't know how to go about getting this corrected so I was told to file a complaint if thingson my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrectspelling of my name ( XXXX XXXX ) not name please delete it. I was looking further intomy file I found addresses that I never lived at. Please delete the following unknownaddresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH 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 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
UNITED REVENUE CORP is claiming that I owe them {$840.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation