vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
Hello Team, On XX/XX/2021 my credit card was charged by XXXX  XXXX PA for {$130.00} That time I was in the line with my wife and daughter, I could not make that transaction. 
Reported a fraud to Bank of America, and received denial. 
During fraud review process I have received a proof, that a merchant I bought something before was hacked and my credit card details were stolen. 
That company is XXXX ( transaction date XX/XX/2021 ), they are serviced by XXXX. 
Which in turn confirmed a breach from XX/XX/2021, till XX/XX/2021. 
XXXX wrote that they notified me, the merchant, law enforcement, and the bank. 

When I called the bank a third time they said the only thing they have is a receipt of a transaction from ticketleap. When I asked to check those reports from XXXX, they said there is nothing. I just XXXX  and found tons of evidence. 

I truly believe Bank of America is not doing any investigation, they are not even tried to find a root cause, and the only thing they do is to deny it. I have another case opened, which was denied as well, but I didn't have any proof. 

BoA answer and XXXX report are 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 monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Mother died been paying mortgage said not paid, Have proof of everything, and faxed to them several times,, pymts have been paid, and never late, Attorney gave me your number,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: NV

Complaint narrative:
Trans Union is reporting fraudulent information on my credit report. These accounts do not belong to me. 

XXXX XXXX {$340.00} XXXX XXXX {$240.00}

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 2021-05-19 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: MiraMed Revenue Group LLC
State: TN

Complaint narrative:
I have 3 accounts in collections for XXXX or XXXX XXXX emergency when I had and still have XXXX health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: SCA Collections, Inc.
State: TN

Complaint narrative:
I have 3 accounts in collections for XXXX or XXXX XXXX emergency when I had and still have XXXX health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES

Complaint narrative:
Company is calling repeatedly during appropriate hours after notification that arrangements had been made with the creditor long before they got involved. The account is paid regularly and while not necessarily on the date due but not far from it.he account began with a debt over XXXX and is not nearing XXXX. Its not a problem and is always paid. 

We wrote letters to the company demanding the calls cease. Offering multiple other ways to contact. Letters were sent on XXXX and XXXX. Calls continue. Most recent calls are twice to 2 differing phone numbers today XXXX at XXXX XXXX Also, calls were made on XX/XX/2021 at XXXX XXXX XX/XX/2021 XXXX and XX/XX/2021 XXXX XXXX Otheer times as well but apparently they were not logged. We will continue to do so, but still the company had been advised to cease and desist and have failed to do so. We have the right to stop them from calling and have not done so. Please do what you can. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have reviewed my XXXX XXXX, XXXX, and XXXX credit reports and notice several items that have inaccuracies, incorrect, fraudulent, outdated and were included in my bankruptcy that is still reflecting on my credit reports. Should be deleted and removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me.PORTFOLIO RECOVERY # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, DEPT OF EDUCATION # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: The Bureaus, Inc.
State: DC

Complaint narrative:
I called to guys to resolve a resolution the issue one of your representatives transferred me to XXXX XXXX XXXX I talked with them but your company the bureau inc is still showing on my credit report and should be revived removed or updated so if I decided to pay or come time a a agreement what will that do for me I dont want to see no documentation I want to see some further steps

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I AM SUBMITTING A COMPLAINT AGAINST BARCLAYS BANK DELAWARE. I CAME TO A SETTLEMENT AND PAID THE ACCOUNT IN FULL ON XX/XX/2021. I WAS TOLD VERBALLY FROM A REPRESENTATIVE AT " XXXX '' WHO COLLECTS ON BEHALF OF XXXX THAT THIS PAYMENT WOULD BE UPDATED WITHIN 30 DAYS. IT HAS NOW BEEN WELL OVER 30 DAYS AND BARCLAYS IS STILL REPORTING A BALANCE. PLEASE UPDATE THE BALANCE AS PAID IN FULL AT THE MINIMUM OR DELETE THE ACCOUNT IN ITS ENTIRETY. I HAVE ATTACHED PROOF OF MY SETTLEMENT.

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-05-19 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:
Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts and inquiries be deleted from my credit file.

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 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Below is my copy the XXXX servicer. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Regarding : Account # XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX Ca XXXX Loan investor : XXXX XXXX Im not sure how far the predatory lending and financial abuse has to go and to how many government agencies I need to file complaints with, but if you do this to me you do to others. 

I received a call today XX/XX/XXXX from XXXX XXXX XXXX who claimed that PennyMac spoke to the investor and I did not qualify for the forbearance extension through XX/XX/XXXX because Im late over 15 months, even though I have a letter dated XX/XX/XXXX from Penny Mac stating that I do qualify until XX/XX/XXXX. 
The supposed reason for my POST DENIAL is that your company claims that I have been late 15 months. And if you want me to agree it is because YOUR COMPANY HAS refused to accept my payments from XXXX through XXXX OF XXXX with my ATM XXXX XXXX card ), If it wasnt for your companys refusal to accept my payments Im full within the timeline of the Cares Act that was extended until XX/XX/XXXX for the Pandemic Forbearance. 
My next step after the call : I reached out to XXXX XXXX and spoke to XXXX who opened a new case in addition to that she shared that my previous ( complaint ) case with XXXX XXXX was closed because I had failed to submit my financial application to the servicer for the loan modification and that the last communication with PennyMac was on the XXXX of XXXX. 
What happened to the application I faxed on the XXXX of XXXX??? why did you not provide that to the investor? I did provide the information for the Modification that was due by the XXXX of XXXX and your institution just refused to forward it to the investor. 
Instead your predatory institution sent me a denial letter on XX/XX/XXXX claiming that I had withdrawn my modification request. WHEN DID I DO THAT????? 

ARE WE BACK TO XXXX?? 

Dont be deceitful and dont lie to the investor. 

I demand that this be solved immediately, As I stated on my prior letter to you MR XXXX I have my senior parents ( XXXX & XXXX ) living with me and I wont let you take our home from us. 

XXXX XXXX CC : XXXX XXXX XXXX XXXX  XXXX XXXX Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
Variable rate line of credit was funded XX/XX/19, Reviewed loan and found not in compliance I XXXX XXXX ( mother ) involved with process with son 's signed authorization. 

I have XXXX XXXX in remission and made several mistakes on my complaint letter, however still mistakes. 

Note describes PRIME as index but does not indicates MARGIN example : plus or minus 1/4 pt. 

This transaction was done via internet and son did not receive early disclosures including booklets. 

Rates have changed with no notice Maybe other issues that I'm not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Today XX/XX/2021 I was going to pay my phone bill and was declined. when I went to check my bank account I was overdrawn XXXX dollars from some stimulus payment I never authorized wells Fargo to deposit into my account. when I called I was told it was put in my account so that my account would be positive to receive my stimulus but when I asked the supervisor " you mean to tell me if i have a negative balance and my account isn't about to be closed out i wont receive my stimulus payment? '' he responded no you would still get your money. i then asked him why would wells Fargo deposit XXXX into my account without my authorization? I didn't need the money and it should have been taken out once the stimulus hit my account in XXXX not half way through XXXX. Wells Fargo leaked my info and i won a small settlement for that and ever since then baking with them has been a complete nightmare from hidden bank charges to overdrawing my account when bills are due!

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 2021-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I applied to and was approved for the Menard 's XXXX card which is serviced by Capital One. Over the next few weeks I made a number of purchases bringing the card to near its limit. On XX/XX/XXXX I paid the card off in full before the due-date. The payment was made within the Capital One app from my Capital One checking account to my Menard 's account which again is serviced by Capital One. The payment left my checking account and was immediately applied to my Menard 's card. My balance has been XXXX since that instant transaction. However, my available credit remains what it was prior the payment. It has been this way for an entire week. When I called customer service I was told that Capital One " holds '' payments for 7-9 days to make sure they clear. Perhaps this makes sense when paying the card from some other financial institution but this was an in-house transaction. In-house transactions should not be subject to these ridiculous and arbitrary holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
I am 100 % XXXX veteran, the va is going to take responsibility for all medical bills. I have already notified all companies of that information yet they still come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2021 at XXXX someone used my VISA Cash App Debit card to purchase {$5400.00} worth of VISA gift cards out of XXXX  in XXXX NY . I still had my card with me so I thought it was some type of mistake. I contacted Cash App via email ( no one answered the number that was provided ) last week when the incident happened. I filed a police report today and sent several messages to Cash App concerning the fraudulent purchases. I have not heard from Cash App and XXXX  stated that I had to go through them since the purchases were made in-store.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: PREFERRED CREDIT INC
State: UT

Complaint narrative:
Preferred Credit Inc. Is reporting lates on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 and they are inaccurate. I recently took a look at my credit and noticed these lates reporting. However, when I go this account I set it up to auto draft and have never had an issue. However, my bank statements show that payment has been drafted from you but I'm not sure why late notations are reporting. My payments have always been on time, this is not my error and they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: NV

Complaint narrative:
Equifax is reporting fraudulent accounts on my credit reports. 

XXXX XXXX {$340.00} XXXX XXXX {$240.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc.
State: NV

Complaint narrative:
This company is reporting a debt that does not belong to me, I was not in school 4 years ago. 

Hauge - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
Someone used my information to open accounts at First Tech Federal Credit Union and now they sent my information to a collection agency who has harassed me into paying money on a fraudulent opening account, Ive filed complaints with them and the XXXX, they refused to correct this and went ahead and reported this to my credit!! This account was allowed to be opened even though Ive a fraud alert and frozen my XXXX, they still opened it and allowed transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: AZ

Complaint narrative:
XX/XX/XXXX, I sent my driver 's license to TransUnion because they sent a card to me with another person 's middle name on it, which is not mine. 
A XX/XX/XXXX TransUnion Credit report arrived and there an address of which I never lived at. 

I believe the XXXX XXXX dad is deceased, as I saw the obituary. 
Obituaries on XX/XX/XXXX | XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, HI XXXX. 

Twice, I was plagued by this mix up, as when I was XXXX, the police had a warrant to arrest me for child abandonment. Also his wife visited my wife, to show us their kids, that we never had. 
Later, I found out that he lived a few blocks away and that my paycheck went into his account and our dentist and credit union were the same. 

There is a seven year difference and when my wife looks for the wife of the XXXX  dad, she sees that somehow she is added to the family of the XXXX  dad 's wife.

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 2021-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: MA

Complaint narrative:
I purchased a maintenance package with a new car, from the manufacturer. I am returning the car with XXXX miles on it. I have been told the maintenance plan is tied to the car and the auto manufacturer is keeping the money. The manufacturer in question is XXXX  and the maintenance plan is AudiXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: SC

Complaint narrative:
Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: IL

Complaint narrative:
Someone opened Student loan account with MoneyLion Inc on my Name. and took XXXX . The account was opened on XX/XX/2021. 
I noticed this fraud account on my credit report on XXXX XXXX and disputed the report with XXXX. XXXX  simple reported information correct and did not remove the account. 
I have also contacted MoneyLion Inc and tried to explain to get more details and close the account but did not received any good response. 
-- -- - Below is information I see on my credit report -- Account Number XXXX Creditor 's Name MONEYLION INC Type of Industry Personal Loan Companies Address XXXX XXXX XXXX, XXXX , UT XXXX Account Balance XXXX Payment Status Current Creditor 's Preferred Contact Method Other

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Synovus Bank
State: SD

Complaint narrative:
I have a purchase from XXXX that the company still is not correcting and every time I try to talk to them they give me almost robotic automatic answers I want this charge reversed. The company the charge was with has already talk to me on the phone and agreed once this financial institution reaches out to them they will reverse the charge and agree to the dispute but my financial institution is not working with them and hasnt even contacted them this has been going on since XXXX. I have the XXXX XXXX card.

Company response to consumer: Closed with explanation