vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Reported Fraud card XXXX XX/XX/XXXX New card end XXXX issued XX/XX/XXXX Reported Unauthorized Charges on card end XXXX XXXX XXXX  XX/XX/XXXX {$49.00} XXXX. XX/XX/XXXX {$12.00} NEW CARD ISSUED XXXX XX/XX/XXXX Reported Unauthorized card end XXXX XXXX XXXX XXXX {$25.00} {$12.00} No NEW CARD ISSUED XX/XX/XXXX Reported Unauthorized card end XXXX Merchant Security Unknown Unauthorized XXXX {$9.00} {$25.00} XXXX {$28.00} XX/XX/XXXX {$47.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$21.00} No NEW CARD ISSUED UNTIL XX/XX/XXXX card end XXXX Reported Unauthorized on XX/XX/XXXX Merchant Security XXXX {$120.00} XXXX XXXX XXXX {$110.00} XXXX {$75.00} {$170.00} XXXX XXXX  DUPLICATE CHARGES from Fraud of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Security of {$230.00} XXXX XXXX. XX/XX/XXXX Reported Unauthorized XX/XX/XXXX {$190.00}. My card changed end XXXX When USAA reported my data breached Why was I left with card UNAUTHORIZED REPORTED FOR 2 FULL MONTHS? XXXX. XXXX and XXXX I was using a Compromised card but Unaware XX/XX/XXXX and XX/XX/XXXX remained end XXXX UNTIL XX/XX/XXXX changed to XXXX Then USAA issued Breach end XXXX USAA DOES NOT PROVIDE ACCESS TO ON LINE due to my XXXX CALLING IS THE ONLY OPTION THEY GIVE CALLING NEVER RESOLVES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The below mentioned accounts I have never had an account with these companies, I have never conducted any business with them and I don't know who they are. Yet they are reporting these accounts on my credit report. 

XXXX XXXX Balance {$170.00} opened XX/XX/XXXX XXXX XXXX Balance {$270.00} Opened XX/XX/XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$810.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$880.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$1300.00} Opened XX/XX/XXXX XXXX XXXX Balance {$320.00} Opened XX/XX/XXXX XXXX XXXX  Balance {$270.00} Opened XX/XX/XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$1300.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$810.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$880.00} Opened XX/XX/XXXX XXXX of the collections reads : Acct # XXXX Original Creditor ( there is no creditor name and or contact information provided ) Balance {$170.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: TN

Complaint narrative:
I have a very old debt from the law office of Charles G McCarthy Jr and Associates Collections. There is a line on my credit report / collection for {$600.00}. I believe this was for XXXX XXXX for a lease. Just in XX/XX/XXXX XXXX XXXX granted me a new lease for over {$2000.00} line of credit. I believe if they were worried about it or I owed a debt to them, the original creditor would not have allowed me to open another line of credit if I owed the in the past. 

Get this XXXX off my credit report as a collection and completely remove the line off of here. I'm going to start suing these individuals for very old debt on my credit report and still trying to collect on it. 

I believe this was included in bankruptcy originally as I filed in XXXX of XXXX and should have been included. when it was discharged last year, this law firm put this line of collection back on my credit report AFTER the discharge. 

This debt is no longer valid. Get this XXXX off here NOW.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retail Merchants Associates
State: LA

Complaint narrative:
Retails Merchant Association has a collection on my credit report for a debt that was paid as a result of a lawsuit by my attorneys. I have filed several disputes ; however, they continue to say the debt is accurate and refuses to remove the false collections off my report. Further, they harass me by continually calling to collect a debt that's already been paid to the original creditor. This debt needs to be removed and the phone calls need to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft someone has inwuired to XXXX nut it was not me they say they can't move it even thought it's identity theft So if they were viven credit I'm suppose to pay it also this a fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am a victim of identity theft someone has inwuired to hsn nut it was not me they say they can't move it even thought it's identity theft So if they were viven credit I'm suppose to pay it also this a fraud

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 2020-01-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX. Ive been a victim of credit card fraud but my CITI bank wont help me. There were 3 transactions charged on XX/XX/XXXX, XX/XX/XXXX, ( {$260.00} ; {$890.00} ; {$54.00} ). I called the fraud department immediately when I saw these on my mobile app. They told me they will help me. I thought the matter had been taken care of. Than, on XX/XX/XXXX, I saw that I have been charged the interest. I called Citi bank and they said cause my card was present to the store. They refused to help me. They said I have to deal with the store. But how am I suppose to know where the store is, I swear to GOD.  I have never been to the store in my whole life, and that is their fault they did not see the significant was not from mine. And I really do not how the fraud had my card to present. That is unfair to pay the fee was not from me.

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 2020-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XX/XX/2019 I was in communication with XXXX XXXX, after cancelling my services, as to the final balance due. After a series on errors on their part, including but not limited to discrepancies as to when services ended, when equipment was actually returned, credits owed, etc. I made a final payment of {$580.00} in XXXX, only to be placed in Collections in XXXX for the full amount of {$780.00}. I alerted the FCC and eventually the NYS Attorney Generals office, in addition to TransUnion, after my credit score went from XXXX to XXXX. Now XXXX has also gone in and lowered my score an additional 8 points down to XXXX, which I also do not understand how your credit score can be lowered twice for the same item! 

In all my correspondence I have included copies of bills with errors highlighted, a letter from the XXXX Executive Relations office dated in XXXX stating my balance had been adjusted to {$590.00} and a copy from my banking institution showing my payment of {$580.00}. I can provide all necessary copies to your organization upon request, however XXXX, XXXX, the Atty General 's office and the FCC have copies as well.

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 2020-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
For the 2nd time, JGW has reported a deliquency on my credit report due to the fact they did not post my 1st payment to the correct 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 2020-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Since last reported on XX/XX/2019 I owe {$590.00} to XXXX XXXX XXXX. Not sure how that happened and not sure why they continue to badger me about something Im completely unaware of. I filed a dispute and I wait on results for that but I continuously refute the fact that I owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: MI

Complaint narrative:
I signed on in XX/XX/XXXX to a debt settlement program with Americor Funding. They represented their service as negotiating very large reductions in credit card amounts owed, with fees taken out of an escrow account that also pays the creditors. They represented their average savings as 50 %. As of XX/XX/XXXX, they offered settlements with two creditors, XXXX XXXX  and XXXX XXXX, at 66.87 % and 62.41 % of the original amounts owed ( $ XXXX {$2100.00} and $ XXXX {$5400.00} ). This much was disappointing, but understandable. After calling the company to see whether they could push the numbers closer to the 50 % offer and being told they couldn't, I accepted those settlements.

HOWEVER, when I went on their website today to see the transactions over time that I had agreed to ( hidden behind a few tabs ), I noticed that the settlement fees being charged were so high as to render the service nearly pointless. Actually, worse than pointless, when the impact on my credit score and the stress of receiving threats of legal action, of obeying their advice to stop making payments to the credit card companies, are factored in. 

For the XXXX XXXX  account, the settlement fees add up to {$520.00} - for total payments, *after* settlement, of {$1900.00} related to that account. That is *91.8 % * of what I originally owed before signing up with Americor Funding. For the XXXX XXXX Account, the settlement fees add up to {$1300.00}. Added to the settlement amount of {$3300.00}, that is 87.4 % of what I owed before agreeing to Americor 's program - which again, instructed me to stop making payments I otherwise would have made a good faith effort to pay. 

The only way to figure out these total fee amounts was to go line-by-line through an out-of-the-way tab on the website and make these calculations myself. Given that the company advertises average savings of 50 % off original account balances, based on the settlement offers *alone* and not including its fees, I believe its marketing is clearly deceptive. I was okay with paying 2/3 of the original amount in the settlement rather than half, based on the company clearly stating results may vary in that regard. By contrast, it is obvious that the company is hiding the impact of its fees on the final outcome. 

This is unacceptable and wrong. Had I been aware that I'd have to go through months of stress and sub-500 credit scores for a *10-12 % * overall savings, I *never* would have signed up for the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Company advised of a website update for a period of one week, from approximately XX/XX/XXXX to XX/XX/XXXX. Company claimed that one time payments are unavailable during this period. Company claimed that if you paid your monthly auto loan payment via debit card, that the fee would be adjusted on your account. Well, I made my payment on XX/XX/XXXX and the measly {$3.00} has not been credited to my account. In fact, after 45 minutes on the live chat with this company, I was informed by XXXX with a reference number XXXX that it would be resolved. Several days later this has not been completed.

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 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX i used a XXXX  ( atm type ) machine located at XXXX XXXX in XXXX Illinois, to get a cash advance on my Capital One credit card. The amount I requested was {$1700.00}. I was declined and no money was dispersed, ever. I had an odd suspicion/feeling about this at the time. I later logged into my Capital One account and found that indeed I was charged for the transaction. 

I contacted Capital One to investigate. Capital One did credit me back that {$1700.00} transaction and a couple other fraudulent ones. Shortly thereafter, they reversed the debits to my account, closed the account and stated that they looked into the matter with the XXXX  ( the vendor ) and concluded there was nothing wrong. I was never given proof of the transaction ( s ) ever occurring or proof of the cash being given to me, just a statement that they did investigate. To this day, I have made substantial payments to Capital One to keep my credit rating, but I feel that I am being taken advantage of, been abused and unfairly treated. I am a single consumer against two very large financial institutions. If I didn't get the cash advance, who did? Someone within either organization? Was this angle ever investigated? Why was no proof ever given to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Was told by santander not to do anything until I received paperwork from the sale of the vehicle ( which to this day hasn't been received ). Now I find out from the bureau 's santander charged off the acct without giving me any opportunity whatsoever on the closed acct. Santander has also violated the Fla consumer credit protection laws ( statute 559.72 ) as they never sent anything to myself prior to engaging in their deceptive practice ( which they have been sued for in various class actions for deceptive lending practices )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I was inquiring with Quicken Loans on XX/XX/XXXX as to the current mortgage rates available. They asked for my and my wife 's social security numbers, but I refused to provide it to them. They did ask some questions that they indicated that were for identification purposes only. At no time did they indicate they were going to access my credit. At no time did they ask for permission to access my credit. I did not provide the information needed to access by credit. However, shortly after the conversation, through credit monitoring services, I was informed that a hard inquiry had occurred to my credit by XXXX XXXX. I reached out to XXXX XXXX about XX/XX/XXXX to dispute the inquiry and they indicated that it has been initiated by Quicken Loans. On XX/XX/XXXX Quicken Loans ( XXXX XXXX ) responded to XXXX XXXX indicating Quicken Loans needed to access my credit data. I can only guess that they used older information ( XX/XX/XXXX ) when I was looking at loan options and gave them permission to access my credit. On XX/XX/XXXX I filed a police report with the XXXX County Sheriff ( cr XXXX ) and provided it to XXXX XXXX. On XXXX I spoke to Quicken Loans ( XXXX XXXX ) who indicated she listened to recording of the conversation twice and determined that the access was authorized. On XX/XX/XXXX I filed a complaint with XXXX XXXX asking for Quicken Loans to jointly listen to the recording that Quicken Loans ( XXXX XXXX ) indicated she had listened to twice for my authorization for credit access or to remove the unauthorized inquiry from my credit. Her response to XXXX XXXX was basically that a credit inquiry would not have a big impact to my credit and they felt I had authorized them to access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I telephoned Walmart and reported my Walmart credit card lost or stolen and closed the account several months ago when the bill reached approximately {$300.00}. I took this action because I suspected one or more Walmart employees or someone was using the card to make purchases without my knowledge. I telephoned Walmart to clearly identify the purchases made with the card but Walmart instead sent me by US Mail an ill defined list of purchases that I was unable to decipher. Subsequently, Walmart began sending me outrageously inflated charges and erroneous bills apparently compounded bills. I telephoned Walmart and explained this but Walmart did not investigate and stop the fraud I alleged, and subsequently XXXX XXXX began sending me erroneously inflated bills for Walmart. I telephoned XXXX XXXX explained the alleged fraud but XXXX XXXX failed to investigate and stop the fraud I alleged. Subsequently,  Capital One Services LLC began sending me large bills and charges that amount to an erroneous or spurious Account Balance of {$910.00} and more. I subsequently telephoned Capital One Services LLC several times and each time I telephoned Capital One Services LLC, the employees that answered the telephoned refused to assist me and claimed they could not locate my information in their system. I finally mailed a letter to Capital One Services LLC via US Postal Service certified mail. Nevertheless, Capital One Services LLC continues to send me spurious bills and threatening messages and apparently completely ignored my letter alleging fraud and requesting to challenge and dispute the erroneous Walmart bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On Sunday, XXXX XXXX at XXXX XXXX  I tried completing an online request through the annual credit report online application process, and tried to do so using my cellphone. When I got to the step for the first credit reporting agency, transunion it said error try submitting my phone or paper application. So, I tried again Sun., XXXX XXXX at around XXXX on my computer and it said error you've already gotten your free credit report from transunion. 

I was willing to pay for it anyway, and tried to submit the application, but still received an error in even continuing with the paid version. The error seemed to be with my " current address '' which is a Maryland address as opposed to a New York address. I don't understand why I am unable to proceed with getting copies of my credit report online. Tried ordering by phone but the system couldn't understand the spelling of my name. 

Please advise. 

Looking forward to your response. 

Thank you, Concerned Customer who is applying for an apartment and needs to submit application as soon as possible.

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 2020-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX. I'm a XXXX year old woman living in XXXX, CA in XXXX XXXX county. In XX/XX/2017 someone fraudulently deposited checks into my bank account totaling for {$12000.00}. I had no part in this and by camera footage proof, it was not even me who deposited these monies. I can only suspect someone maliciously deposited these fake checks into my account to harm me. On XX/XX/2017 Bank of America put me into XXXX XXXX and XXXX XXXX XXXX, closed my account and has now left me in financial ruin. I've been unable to open a bank account resolve this problem, a problem that I myself didn't create. Why was the person who deposited the money into my account taken into question and have been punished rather than myself? It doesn't make any sense to me. I am the victim and yet the bank made me to be the villain and once again punished me. The account numbers from the check systems report I received are RTN : XXXX / ACC : XXXXXXXX. Please help me. I've been working so hard on getting this resolved and have no other options. I truthfully feel helpless and wrongfully punished. I need a bank account, I work very hard for a living. I actually have a very close friend that had this exact same situation happen to him with Bank of America, and they seem to go after the victim rather than the assailant who decided to create and deposit a fraudulent check. I am not an expert on checks either, I wouldn't know if an employer for example paid me with a fraudulent check. Why was I punished? Please assist me.

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