vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC made a change that prevents me from being able to link my accounts to XXXX to pay for stock option exercise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$400.00}, XXXX XXXX {$7300.00}, XXXX  XXXX {$190.00}, and XXXX XXXX XXXX {$200.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB America put a collection on my credit for {$320.00} without contacting me. Never received anything in the mail or a phone call. It just showed up on my credit report without notice. Obviously i would not destroy my credit over {$320.00} and ruin my perfect payment history. This company is shady and dishonest. I tried to dispute the claim based on these facts and they still will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
1. My loan was consolidated without my consent 2. The Specialized Loan Servicing LL are not providing me with monthly statements 3. I have asked of copy of past monthly statements and have been denied.

4. I have asked for payment history and loan agreement and have not received it.

5. I have received inconsistent answers from their customer representatives regarding my concerns.

6. I have been told that I have an excess amounts on my loan but have also been told that the interest on different months is past due.

7. I was told by one representative that they were not ready to receive these loans from XXXX XXXX XXXX and that is why there are so many discrepancies since their system was not set-up for these loans and funds and payments are not being applied correctly.

8. I sent a letter with my original concerns, they acknowledged receiving my letter, XX/XX/2020 but their response letter was dated until XX/XX/2020. Over one month before a response was provided. 
This situation has cause me grief, frustration and unnecessary stress.

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 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a card through the mail completely unsolicited. I phoned the company intending to inquire as to why. It was computerized so was tricked into activating to be able to speak with someone. Never was able to on 3 occasions. Waited on phone one time for over 45 minutes. Now I have a card activated that I dont want and I dont want to create an account online to cancel anything. Why are they allowed to put my name on any kind of a financial instrument without my knowledge or consent and send it through the mail? That happened yesterday. Received one from another company today. Whats going on? This isnt right. Cant get through to them either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX my debit card was stolen and it was used in all this places 1- at XXXX {$100.00}, 2-XXXX {$780.00}, 3- ATM at XXXX XXXX CA {$700.00}, 4-XXXX {$350.00}, 5- XXXX {$400.00}, XXXX {$820.00}, 6-XXXX {$610.00}, XXXX  {$1000.00}, ATM at XXXX XXXX CA {$300.00} . The total amount of the money stole was {$5100.00} I reported all this to my bank which is WELLS FARGO. All this transactions were made around XXXX and I never got a notification of my bank asking if the person using the card was me. Also as soon as I find out about this transaction I reported to my the bank and let them know this wasnt me. The bank ( XXXX XXXX ) did a investigation and less than one week my claim was declined with no further notice, I ask the bank to give me an explanation and they tried to avoid to talk to me. I believed, I did the correct and right thing which was report it as soon as possible to the bank and also to the authorities ( police ) I filled a repost as well. 
I also believe the bank should freeze my account when they see any type of strange activity and they did not do anything about it. As a customer I feel discriminated because they didnt want to hear about what happened the moment my card was stolen, I also was part of a violent crime. At this moment I tried everything I could so the bank can give me a solid reason for why they declined 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 explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
My name is XXXX XXXX and I applied for and obtained HSBC checking and savings accounts a long time ago ( I forgot the exact time ). My HSBC checking account number is XXXX. At the time of my account approval, I was given a Select Credit account without my awareness. 

A couple years ago, I had an overdraft from my checking account for a few thousands of dollars. While my savings account had more than $ 20k, HSBC charged the so-called 'Select Credit ' account for the sake of charging me more interest. I fount out the Select Credit account carried an interest rate of more than 5 %. HSBC could have drafted from my savings account, where I did't have to pay any interest. Because HSBC 's desire to make more interest income, I was charged interest without my knowledge through Select Credit account which I did not even apply for. 

Throughout the past year, I contacted HSBC several times and explained the situation. They did credit me back the interest and fees each time and agreed to cancel my Select Credit account. However, in a few days each time I called HSBC, they restarted charging me fees again and never canceled the Select Credit account. Now, it is {$16.00}. While it is a small number and I can easily pay for it, this charge was unfair. What made the situation worse, HSBC put this {$16.00} into collection and was reported to the credit bureaus. My FICO score now drops from over 800 to XXXX and it affected my mortgage refinance. 

I contacted HSBC 's customer service today. They asked me to contact their collection team. I told them it is very time consuming to call another number and asked them why the customer service can't resolve this issue. I gave them a choice - either the customer service resolve the issue now or I will contact CFPB. Then I got the most ridiculous answer from HSBC - go ahead to contact CFPB. 

I reached out CFPB to help me resolve this situation. I want HSBC to credit me back the fees ( {$16.00} XXXX and to contact credit bureaus to correct my credit scores. If possible, I want HSBC to pay punitive damages to cover my time and effort to correct this situation so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I initially reached out to this agency requesting verification of debt that is listed on my credit report via mail on XX/XX/2020. The company received the letter in which I stated in the letter : I am writing to request that you please the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

I received a letter stating that they have talk to their client and the have verified my name, address and the amount that was owed dated XX/XX/2020. I also received an account itemization with in this letter. I contacted the agency and spoke to XXXX, and XXXX who stated that information sent was proof that I owe the debt. While talking to XXXX he stated that the itemized bill was from the creditor and the address was verified as a different address from the one on the bill that was sent to me via Wakefield and associates. XXXX also stated that I asked for a itemized bill in which he stated that is proof that I owe the debt and this what is sent when some one asks for verification on debt. XXXX XXXX the account specialist stated that the letter was received for my request and that I have no right to request such validation of debt via a letter unless I request the information via the court system. I asked was he denying me the right to request the information stated above. XXXX XXXX stated that I do not have the rights to request the information via a written letter. 
This company continues to report inaccuracies to the credit bureau and is violating 15 U.S. Code 1692e. Section 2 ( The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ) and, section 10 ( The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
On XX/XX/20 a {$50.00} payment was scheduled on a recurring basis from my savings account and the balance was below {$50.00}, the following day I transferred the difference of {$47.00} which {$41.00} and {$8.00} was the actual balance, my history shows that every month I transfer the funds from accounts to cover charges due each month. 

TCF Bank charges fees to customers the next dat without giving customers any leverage to make a simple transfer the following day before they charge customers {$37.00} fee. I REFUSE TO PAY TCF A FEE!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank failed to verify checking account information accuracy at the time of linking to credit card payment, but charges payment returned fee and interest when auto payment failed due to error in account information. Customer service representatives giving conflicting information about reversing the fees and interest charged to the account after payment made. Predatory practice and abusing customers should be stopped at citi.

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 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I received a XXXX XXXX XXXX XXXX card through the mail. I did not request it. I phoned to speak to someone as to how this happened but their computerized menu does not allow that possibility. I want to know how and why they are able to send a financial instrument with my name on it without my consent or request. And then you are not allowed to ask.

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 2020-04-29 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: 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 {$0.00}. 
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 onXX/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 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -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 2020-04-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I keep calling to see where I'm at with the modification and they do not respond to my inquiries, email, onsite messaging and calling leaving messages. 

I am afraid of losing my home which is already in pre-foreclosure status. 

I think they want to keep my house, they pre-foreclosed when I missed only 4 payments from being in a rehabilitation center and couldn't make the payments. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: 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 {$0.00}. 
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 XXXX  XXXX, 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 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -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 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts are fraudulent and inaccurate on my credit profile

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 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal issued me a business credit card without my permission. A notice was sent to my email that an " opt out '' should occur. However, I feel credit cards should be an explicit " opt in '' and not an opt out as most consumer privacy laws. Without this opt out, a physical card with active credit limit was mailed to my household. The card was cancelled through PayPal, but customer service was unreachable by phone and did not respond to my request to know how or why the card was sent in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
I contacted this company to see what help they were providing customers like myself during this pandemic. The best they would do is place one payment at the end of my payday loan, which is no different from what they would do as one-time courtesy outside of this worldwide pandemic. I told the representative that I was unable to keep up with these payments. The representative offered no help. The representative went on to say that missed payments would be subject to the terms and agreements documented in the contract. In speaking with a friend about it and describing the loan I was in, the person informed me that payday loans are illegal in Massachusetts given the high interest rate that exceeds the lending requirements of the state. I was also informed that this loan falls under predatory lending and violates Massachusetts law. I went to the Massachusetts website to obtain more information. The website did have information stating payday loans being illegal in Massachusetts. The original loan amount was XXXX dollars. The company is withdrawing more than XXXX dollars out of my checking account every two weeks. The interest rate on this loan is 584.6071 % and I'm paying close to 700 dollars per month, most of which is interest. When I took out this loan, I did not realize how high this interest would be. In the end, I will pay more than XXXX dollars for a XXXX dollar loan. I've already paid the original loan amount back with interest. I can not keep up with these payments. What are my options?

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 2020-04-29 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Earlier this month I submitted a Identity theft report to all three of the major consumer reporting agencies in regards to several, inaccurate fraud related accounts reporting on my credit file. Along with my Ftc report I included a copy of my drivers license as well as my social security card. In ADDITION with my report, I included a personal information request which included my correct name, social security number, current address, and correct phone number. As of today I received a letter from EXPERIAN # XXXX dated XXXX stating that " We are requesting additional information that I must provide in order for us to act upon your request. " If I still wish to have this information blocked, please submit a identity theft report without the deficiencies noted at the end of this letter. '' EXPERIAN is basically asking me to submit all of the information that I've already submitted and this is nothing more than automated stall tactic which coincidentally violates my rights under the FCRA. Accounts that were included with my federal trade commission report was US Dept ED # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX at XXXX # XXXX & XXXX XXXX XXXX  XXXX. Can you please have EXPERIAN explain this response. I have attached a copy of my identity report to support my claim. Thank you

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 2020-04-29 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: TN

Complaint narrative:
These accounts are fraudulent and inaccurate on my credit profile

Company response to consumer: Closed with explanation