vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 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: FL

Complaint narrative:
I am a victim of the 2016 " XXXX  Data Breach '' identity theft case.

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name.

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions.

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities.

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way.

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions.

I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report

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 2020-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Someone by the name of XXXX XXXX called me today at work XX/XX/2020 and this was not the first time. He called me multiple times and every time he calls I tell him Im not allowed to except phone calls at work. he then gets belligerent and tells me that I am required to talk to him. He called my boss today and the bookkeeper and demanded that they tell him information about me where I work and other private information they told him they were not going to give him any information and he became very belligerent with them and tried to tell them that they are required by law to answer his questions. This has caused me an undue amount of stress and I just want him to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC
State: NJ

Complaint narrative:
I received a collection notice from GB Collect on behalf of XXXX. I called them and requested proof of the underlying debt as I didn't know what it was for. After several requests, I finally received it. on XX/XX/2020, I sent them proof via email and fax that I had other health insurance in place and was not covered by XXXX at the time ( see attached ). I received NO response to that email and fax. On XX/XX/2020, I once again received a collection notice ( see attached ). On XX/XX/2020, I resent them the proof and demanded that they stop contacting me ( see attached ). 

Despite these requests and proof, I once again have received the same collection notice 2 weeks ago. I want them to stop harassing me and send me a confirmation that i do not owe them anything.

How are they allowed to keep bothering me and just avoiding the fact that i provided proof that i had insurance coverage through my employer? They haven't even responded to the proof. Please make  them stop asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been trying to left my Equifax freeze since Friday afternoon ( XXXX ). The website directs you to sign in to my Equifax, but then it always says can't complete and try again later. I called and the call center rep said they didn't know when the website will be working again. This is outrageous - these companies have to be able to left these freezes promptly. I don't want to do it over the phone, because I want a record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NH

Complaint narrative:
I received a letter from First Credit Services about a bill for {$180.00} that I do not owe. I canceled my gym membership months ago at the time I cancelled auto pay from my bank account. The gym was not even opened when they were charging me. I told them I would join again once the covid pandemic allowed. I did not even receive a bill from them before they reported me to this credit agency. Please give this dispute your attention. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: NY

Complaint narrative:
On XX/XX/2020 I received hard inquiry alerts from XXXX, TransUnion and XXXX I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries

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 2020-09-08 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: NY

Complaint narrative:
On XX/XX/2020 I received hard inquiry alerts from Expirian,  XXXX and XXXX I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries

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 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
I have been contacting and attempting to contact Dovenmuehle Mortgage since XX/XX/2020. My hazard insurance with XXXX XXXX XXXX expired XX/XX/2020 due to nonpayment. I have my insurance premium escrowed so I have paid for my insurance over the last year. As soon as I became aware that Dovenmuehle had not paid, I began contacting both XXXX and Dovenmuehle. XXXX is aware of the situation and has been in contact with Dovenmuehle as well. I have uploaded insurance documents to the Dovenmuehle website ( ihaveinsurance.com ) many times. I have managed to speak with about 3 people at Dovenmuehle on different occasions over the last two months and have been assured that they would pay my insurance as agreed. I have sent three secured messages asking them to pay my insurance and have received no response. I have until XX/XX/2020 to pay the premium to reinstate my insurance. Today so far, I have been on hold with Dovenmuehle for exactly two hours with no live person answering yet. I have paid all of my payments on time and the insurance premium amount is more than covered by my escrow. If Dovenmuehle does not pay this week, I will to pay my insurance premium twice -- once through escrow and once out of pocket to reinstate. Waiting on hold for two hours to ensure my insurance is paid as agreed and as allocated every month is completely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I selected Capital One back in XXXX as my credit card company because their name was respected in the industry, because they offered a secured card, and most importantly because while researching which secured card company would be the best fit I was told by Capital One representatives that by always paying my card on time that I would have the opportunity for the secured card to be " graduated '' to an unsecured card and I would receive my security deposit back. Fast forward to XXXX I have had the secured card for over 3 years now and never missed a payment ; however I am now being told by Capital One representatives that they no longer " graduate '' secured accounts and was instead told that I needed to apply for a new unsecured credit card. I feel victimized by Capital One as now I am stuck with a fairly low limit secured card that I can not close because I have had it the longest and it will negatively impact my FICO score ( Length of Credit ). I can't apply for a new unsecured card because it will also negatively impact my FICO score ( Number of Inquiries ). My credit score has improved significantly since initially opening the account and as stated I have never missed a payment but yet I am being victimized. I do not feel this is fair and I do not recall receiving any communication from Capital One of their intentions to do away with the " graduation '' of secured cards to non secured. I feel that Capital One has taken advantage of not just me but millions of other customers in the same boat and this is a potentially class action worthy issue. I expect Capital One to do something to make this situation right without negatively impacting my credit score that I worked so hard to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wilber and Associates, P.C.
State: TX

Complaint narrative:
They threatened to have my license suspended and told me they were an attorney with a law firm. They threatened and coarse me to give them a credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi my name is XXXX XXXX and I need to Dispute some late payment report history with XXXX XXXX It's showing 3 months late.I. became behind due to covid 19.Another dispute I have is with Jc Pennies with some late payments due to covid 19 as well. the account is SYNCB/Jc penny # XXXX and XXXX XXXX is XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Hello- i recently noticed on my credit report ( XXXX ) that  Transworld Systems has a negative entry under XXXX XXXX for {$13 0.00}. I called Transworld Systems on XX/XX/2020, and they were unable to find me in their system. If that is the case, I do not understand how they were able to file a negative entry for me on my credit report! 

Please help get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is the Second complaint on Elan Financial.This is a terrible company. 

ELAN Financial is engaged in " Reward Points '' fraud. Elan Financial did not allow me to use XXXX  " Reward Points '' for {$25.00} credit to balance today XX/XX/2020. One person says one thing and another person says another thing. Constant fraud to not give my rightful " Reward Points ''

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 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: MN

Complaint narrative:
I contacted this company about a delinquent account that appears on my credit report. I asked them to send me documents validating this debt. To this day I have yet to receive such documents nor has the account been marked as " disputed by consumer '' on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Bank of America allowed someone to fraudulently withdraw via ACH payment refund {$2900.00} on XX/XX/2020 and {$670.00} on XX/XX/2020 from my credit card. I did not authorize this transfer. The amounts were diverted to an unknown bank account. I have attempted to rectify this with 31 phone calls to Bank of America. Bank of America states that someone called in to them in XXXX prior to the transfer, fraudulently claiming to be me, stating my house had burned down and they needed money from the card. This is false and fraudulent activity. On XX/XX/2020 the money was returned to my card and I received notification that the issue was resolved. Then on XX/XX/2020 the amounts were added back on my account. Upon contacting Bank of America I was told that my fraud claim was denied as I had made the bank transfer which I had not. I do not know where to go with this as no one at Bank of America seems to have the desire to assist getting this fraudulent situation resolved.

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 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: TX

Complaint narrative:
This company assigned XXXX XXXX XXXX XXXX on XX/XX/2020 to handling the account # XXXX I dont know this company I never have a business with them. I want cease and desist all collection activity for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed.

Accounts false and unknown. The companies have not reached out as well.

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX  removed from Experian and XXXX  and added back without my knowledge and it's my understanding I should've been notified ( Account Number : 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 2020-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I transferred XXXX USD = XXXX EUR from my USA account to my XXXX account on XX/XX/2020 with moneygram.com They have already charged my USA account and promised to deliver within 10 calander days. Today on XX/XX/2020 the the amount has not been delivered to my XXXX account. Today I call moneygram.com customer service. talked with different departments. The did not give me different reasons. 
one agent telling that they have technical issuues. 
other agent telling that they put my transaction on hold. 
a third agent telling my transaction is under investigation. 
they refused to return the money and told I have to file a written request for refund and it will take upto 90 days after receipt of refund request and the refund process will has charges. but they can not to tell me when they will be able to deliver the amount to destination account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I XXXX XXXX of XXXX XXXX XXXX # XXXX XXXX XXXX, texas submitted to Experian XXXX XXXX XXXX TEXAS, A notice of pending litigation seeking relief and monetary damages under fcra section 616 and section 617, to amicably resolve their continued violation of the fair credit reporting act, regarding refusal to delete unverified information from my consumer file, a certified copy of this letter, and 3 previous certified letters with proof of identification, failed to delete these accounts from my consumer file, the law clearly states under section [ 609 ] ( a ) ( 1 ) ( A ) and section [ 611 ] ( a ) ( 1 ) ( A ) which requires they provide me a copy of any original documentation ( a consumer contract with my signature on it ) furthermore under the FCRA SECTON 611 ( 5 ) ( A ) They were required to delete all information which can not be verified! ON  XX/XX/2020, I XXXX XXXX received a letter in the mail from experian, report # XXXX That the had completed their reinvestigation and they found all of unverified accounts as accurate, without proof to me ( the consumer ) these unverified accounts remain on my consumer file despite these violations of the FCRA, THE LAW IS VERY CLEAR, to the civil liability, and the remedy available to me ( section616 and 617 ) please enforce my rights under the FCRA. THANK YOU, SINCERELY 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 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I'm requesting written request to validate and verify this debt. During these times, money is stretched thin and nothing should be added to my report because I'm unable to pay at this time. There is a pandemic on-going and without any communication, this shouldn't have hit my credit report

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 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to complaint about Citibank Card not refunding the full amount for my cancelled travel tickets. I have called bank several times and have been on the call for hours and hours now but still they refuse to provide me with the refund and keep saying some one will reach out. 

OnXX/XX/2020 I booked air travel ( Trip ID : XXXX ) using Citibanks Thankyou.com redeem points. The air travel was booked for my parents to travel from XXXX to XXXX forXX/XX/2020and returning on XX/XX/2020. I paid total of XXXX thank you point and {$700.00}. Due to Covid-19, I called Citibank on XXXX, XXXX XX/XX/2020 and asked them to change the travel dates to departing XXXX  on XX/XX/2020 and returning on XX/XX/2020 I asked the representative to confirm if there will be any additional charges for the same. I was told there will be no additional charges and changes were made. Than I called Citibank on XX/XX/2020to cancel the tickets and the representative confirmed that I will be getting full refund within next 14 BDs. So I cancelled the tickets on April 14th, 2020 and they finally provided a partial refund on XX/XX/2020. They took 4 months to provide me with a partial refund. For those 4 months I was on the call with Citibank for hours. Each time I call, representative is like it will take another 2 weeks to process the refund, please gives us a call after 2 weeks. Finally I saw a refund on XX/XX/2020 for XXXX thank you points and {$700.00}. So afterXX/XX/2020, I started calling them again to find out what happened to the remaining XXXX thank you points. Finally onXX/XX/2020, I was provided with the explanation and was told they have submitted the complaint and someone should be reaching out to me. Today is XX/XX/2020 and no one has reached out yet. The explanation provided to me was when I made changes to the ticket on XX/XX/2020, the fare of the ticket at that time was less than the original fare that I had paid. So finally on XX/XX/2020, when they refunded me the fare, they actually refunded what the fare was on XX/XX/2020 ( the date I made changes ) and not the full fare which I had paid for the original booking that I made onXX/XX/2020 In all this I am not sure what happened to XXXX thank you points when I was told I will be refunded fully. This is fraud and Citibank owes me full refund of XXXX additional thank you points.

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