vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 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: Conn's, Inc.
State: TX

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I want to link my Capital One checking account with XXXX. They are blocking access. I was instructed that I have the right to access my financial information and to file a complaint here. They allowed me to connect with XXXX, but not with XXXX. I think this is completely unfair and possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Fax XXXX XXXX XXXX Account Manager XXXX XXXX Case Number : XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from XXXX XXXX account Account gets positive credit {$300.00} Customer ask to reverse {$300.00} back to XXXX XXXX but the money never made to his account. 

Customer called inquire about the reverse status of the account Bank of america representative instructed customer to contact his bank wells fargo. 

XXXX XXXX re ensure money never made to the account and reverse the charge. 

Could Bank of america prove the money went back the customer account? 


A Bank of America representative told customer that the money was send to a company called XXXX XXXX. 


Customer is sending statements as Bank of America requested from banking account activity back to XX/XX/2018. 


Please note : The {$300.00} went back to customer account on XX/XX/XXXX as a result of a dispute. 

If the account was {$300.00} positive and the only money refunded was {$300.00} the Bank of America balance should be reflecting {$0.00} and instead is reflecting - {$300.00}.

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 monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
HSA Bank provided me with a credit card with which to pay for medical expenses. I used the card to pay for medical expenses that were allowed according to my insurance plan and HSA rules, but HSA Bank reported the payments as an unqualified distribution to the IRS, so the IRS says I have underreported income. The thing is, I used my card at a doctor 's OFFICE, not at a store or an ATM machine. HSA Bank knows where the cards are used and they choose how the distribution is reported electronically to the IRS. Even though I submitted the correct paperwork to prove my distribution was qualified according to XXXX XXXX XXXX XXXX, the IRS doesn't believe it because their computers have the information from HSA Bank that contradicts the paperwork. It's up to HSA Bank to report these things correctly because I as the consumer have no choice in how it is reported. If a person uses the card at a doctor 's office, HSA Bank should be required to report it as such. HSA Bank should be audited to make sure they are reporting expenses correctly so that people are not accused of underreporting income to the IRS, which is a serious offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
IN XX/XX/2017 MY ACCOUNT WAS COMPROMISED, I CALLED AMERICAN EXPRESS AND REPORTED IT, MY ADDRESS WAS ALSO CHANGED TO A FRAUDULENT ADDRESS, THEY CLAIMED THEY TRY TO SEND ME LETTERS TO VERIFY THE UNAUTHORIZED STOLEN CHARGES AND I DID NOT REPLY TO THE LETTER SENT TO THE FRAUD ADDRESS SO ITS OVER AND I HAVE TO PAY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

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 2018-07-06 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: DE

Complaint narrative:
my accounts were compromised with fraudulent charges, Equifax caused the breached. To this date the continue to report the fraudulent address on my credit report also the fraudulent charges from XXXX XXXX. 

XXXXXXXX XXXX acknowledges that the card with the fraud charges was closed in XX/XX/2017 when I discovered the address was changed and cancelled it, and there after they allowed the card to continue to be used for unauthorized purchases after it was closed. 

XXXX president office continues to ignore my letters and phone calls, they ignore the claims sent to you and keep marking them duplicate, they are really unprofessional I need Equifax to clear my credit report and correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: DC

Complaint narrative:
XXXX has failed me at every stage of repayment. 

XXXX has violated the Fair Credit and Reporting Act ( FCRA ), Fair Credit and Reporting Act ( FCRA ) intended to protect consumers like me. XXXX should note that this is a case of financial mis-selling. 

XXXX engaged in knowing misrepresentation - the harm threshold is necessary for a lawsuit, given the present demonstrable actual damages and future damages. It is evident that I will suffer real damage as a result of this misinformation from XXXX. 

On XX/XX/2018 I called XXXX at XXXX XXXX I spoke with XXXX   representative ( ID # XXXX ). I believe XXXX has a record of this call and the other calls I made in XXXX. If not, I can send XXXX my copy of the recorded call. I still haven't received any information from XXXX stating the XXXX payment has be correct from {$750.00} to {$270.00}. XXXX informed me when I called that the XXXX payment will be corrected from {$750.00} to {$270.00} because XXXX made a mistake by not sending me a notification of denial letter, informing me that my Public Service Loan Forgiveness recertification application had been denied. It's been 2 months and I still haven't received the letter with the adjusted XXXX payment of {$270.00} as promised by XXXX. I have sent 3 separate emails to XXXX and no response. Instead, XXXX has sent me a delinquency notification dated XX/XX/XXXX, because I informed XXXX that I am waiting to receive the letter with the corrected payment of {$270.00} or {$320.00} for XXXX before making payment. XXXX still hasn't sent me the letter with the corrected payment amount. Instead the have received the following letters from XXXX : Loan Sequence : 1 Financial Transactions letter dated XX/XX/2018 An approved interest capitalization letter dated XX/XX/2018 A second delinquency letter dated XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for a {$250.00} deferred minimum payment grace period on our Citi credit card ending in XXXX. 

We have not received the {$250.00} payment deferment as promised for XX/XX/2018 that is due by Monday, XX/XX/2018 per Citi Irma Relief at 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 explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I filed a complaint against PNC this year and I still have not received an official response from them regarding my valid claim that I filed for unauthorized use of my debit card via my XXXX account by hackers in the XXXX. I received an official response from XXXX today XX/XX/2018 stating that 2 Credits from my claim were issued on XX/XX/2018 for $ XXXX and XX/XX/2018 for $ XXXX. Yet none of those credits are showing in my PNC checking account. Nor has PNC officials have addressed my current open complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: CA

Complaint narrative:
I have received multiple calls to my home and answering service from a company called USI Solutions saying I owe approximately {$400.00} on a credit card from XXXX XXXX XXXX from 2009. The calls began on XX/XX/XXXX to my home number, no message was left, but they left a message with my answering service which is a XXXX service where you just leave a message. I returned the call on XX/XX/XXXX. They said they had mailed this information to my XXXX XXXX , which I told them I did not receive. I said I did not remember having any credit card with this Bank, and I did not owe this money. I may have had an issue with a credit card in the past but it had been resolved. They said they would email me the information, which they never did. They implied I was being belligerent by refusing to cooperate. The call got disconnected, and they accused me of hanging up. I asked them if I have owed this money for 9 years, why am I just hearing about this now? I have has the same address and phone number for 28 years. 
I have received NOTHING IN WRITING FROM THEM! 
I have continued to receive calls to my home phone on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and my answering service on XX/XX/XXXX at XXXX XXXX, saying now that I had received the email from them, I should pay them what I owed. 
I obtained my credit report from XXXX, and I do not owe any money to any debt collectors or to XXXX XXXX XXXX cc. I refinanced my home one year ago, and I doubt I would be able to do so with a debt hanging over me. 
USI Solutions phone number is XXXX or XXXX, I spoke with XXXX at extension XXXX. I also spoke with her supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: TX

Complaint narrative:
IN REGARDS TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND EQUIFAX HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
We currently have a Loan Forebearance with Rushmore Mortgage which was established via the Loss Mitigation Department through XXXX Mortgage and they are constantly harassing us on a monthly basis by continually sending a Loss Mitigation Packet! We have already been approved for Loss Mitigation and I have also spoken to the PoC in XX/XX/XXXX regarding our Forebearance which she finally acknowledged goes through XX/XX/XXXX. Therefore, we should not constantly receive a Loss Mitigation Packet Every Month! We should only receive the statement of account regarding monthly balance owed to ensure we have the same accounting/reconciliation of account. We also should not be receiving Notices Placed on our Front Door from Rushmore Mortgage Servicing, since we are currently in a Valid And Approved Loan Forebearance Agreement! Pleases stop harrassing us as if we have done nothing to remedy our Mortgage Account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX inserted my parents address on my credit report and sent 4 letters to their house, which I was unaware of until almost a month later. There was no communication from that address and no reason for them to assume I would even get the letters. I feel like this is a shady attempt to get a default judgement against me without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 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: DISCOVER BANK
State: WA

Complaint narrative:
On XX/XX/XXXX I purchased two airline tickets from XXXX for {$490.00}. One of these tickets was cancelled with XXXX on XX/XX/XXXX. This charge was never refunded to me. On XX/XX/XXXX, I went to use one of the tickets and found out that the second ticket was never refunded or cancelled. I lodged a dispute with Discover Card for {$490.00}. 

In XXXX, they charged my new account {$490.00} and then took off the charge in the same amount of {$490.00}. This credit has nothing to do with the XXXX charge that is sitting on my old account. If you look at the documentation I provided, it is showing a charges totaling {$990.00}. That number should be {$490.00}. They are missing a credit. Only one airline ticket was purchased.

D

iscover placed a {$490.00} credit on my account but they placed it on an old account. Therefore, I am not seeing the credit. I have made numerous calls to Discover in an attempt to fix this. Each time I am promised that the credit will be moved over to my new account within a few days. But the credit never gets placed on my account. As a consequence my balance with Discover is {$490.00} more than it should be.

Discover is failing to fix this for me, despite numerous calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, Thursday XX/XX/2018 someone stole {$1.00} from my account, more would have been stolen had there been more money in account. Tomorrow is payday so I am concerned. Citibank is currently my banking institution. This is the second time in three months that Citibank allowed a fraudulent transaction to take place. I live 60 plus miles from where the fraud transactions were authorized. I havent been to the city where they occured in a very long time, almost a year or more. XXXX XXXX is who atole my money, via Citibanks approval for the transaction. I have researched XXXX XXXX and there are several websites reporting their fraudulent activity. If Citibank wishes to become a reputable bank then maybe they should be up to date with who has more fraud reports and denying the transaction immediately! 
Twice in the last two years, I have tried to access my money via my debit card and Citibank froze my transaction. The embarrasment snd stress I felt while trying to complete my transactions. Kudos to the fraud team at the time for trying to protect me, from me. Yet now its a stranger who is authorized to use my funds and I am punished. My payday is tomorrow, I need to have access to my money. A temporary card was offered but yet the bank does not open until XXXX XXXX. What if I needed to access my money at XXXX? I sm screwed because of XXXX policies. Allow the thief to steal her money, yet agsin and punish the single mother of a XXXX XXXX child who barely lives paycheck to paycheck. 
Citibank refused to refund my XXXX today, stating they have to investigate. I want the bank to held accountable for this incident just as much as XXXX XXXX should be. 
In XX/XX/2018, my sons account was also affected. He has an acct for his Social security XXXX. Two transactions were allowed totaling {$150.00} for a gas station in XXXX, while I sat bedside for my son at a hospital in XXXX, CA. It takes more time to receive my new debit card and to have the funds returned cs authorizing the theifs to steal my money. Citibank should be investigated, fraud dept needs makor improvement and tjis needs to stop. I do my best to protect my purchases i.e. entering pin number and I dont appreciate being used as a pawn in their partnership, banker and theif vs financially struggling parent. 
I have contacted both parties, Citibank refused to refund my money today and they refused to overnight a new debit card.

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 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter, certified mail return receipt, to XXXX XXXX ( MCM ) letting them know that three debts reporting on my credit report, in the amount of {$560.00}, {$660.00} and {$850.00}, by their company was a result of ID theft and fraud ; therefore, I asked them to verify the debts. The company did not verify each debt as stated in my validation letter. 

XXXX XXXX/MCM is not giving me due process at law. For some reason they failed to provide proof that I had signed any contract for the alleged debts ; however, they sent me a copy of a bill, a portion of a contract that I have never seen and a statement claiming they did not understand what I was asking them to verify. On XX/XX/XXXX I sent a second letter, certified mail return receipt, letting the company know they had not properly validated the debt as belonging to me, so please remove it from my credit file. Most importantly, I attached a FTC ID theft report. 

XXXX XXXX ( MCM ) continues to get favor from the credit reporting agencies, causing them to initiate reinvestigation, but I do not have proof of the validation I have requested. The back and forth process between myself and the credit reporting agencies actually began late XXXX, and MCM continues to report the fraud accounts to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: Utah System of Higher Education
State: TX

Complaint narrative:
Ive contacted them several times explaining the situation with a late payment being reported. I received zero documentation of payments being due on my loan. No calls were made to me until after the loan showed 60 days late. They told me it was nothing they could do. I provided proof of a forbearance multiple times of another loan and they still reported my loan late.

Company response to consumer: Closed with explanation