vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
What happens was that we used to had this Gas Utility service, on begging of 2020 I lost my job because of Covid 19 issues, i count made any payment from any utility plus i didnt payed the rent, so I had to leaved the house, I do have XXXX kids and a wife that I need to support, is been hard times for me and my family, I didnt know I had to pay this because I left the house on XX/XX/2020 so some other people may used the service and didnt pay anything or the owner of the house, however because of the covid 19 is the principal reason I had to not made this payment before plus the time dont match for whit the time we had leaving there, honestly I didnt know about the this collection and I do apologize for any inconvenience or payment i didnt made

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 2021-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2020 XX/XX/2020 Checking XXXX $ Saving 's XXXX $ It has been almost 8 months of chase bank closing my account and is holding XXXX $ in savings and XXXX $ in checking of my unemployment benefits. It all happened one morning, Ive been waiting almost 3 months to receive my unemployment benefits and one random morning all of my weeks for unemployment was deposited into my account and the next day Chase Bank close the account. After calling everyday, they tell me the Georgia department hasnt got back with them and that is why the investigation is still going on. I had to open a XXXX XXXX account to continue receiving my unemployment benefits. I dont know what I should do at this point. They have been holding my money hostage and don't want to release my funds. I should've at least received a letter about this investigation but nothin! not a single letter saying we are still investigating on the case they don't want to tell me nothing or mailed me my funds. Please I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: TX

Complaint narrative:
Account is fraudulent and unauthorized. I do not have any knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: VA

Complaint narrative:
Dear Bureau, After receiving a copy of my credit report with your company, I noticed some discrepancies concerning my personal information reporting. I would like to ask that you update the information provided by myself. I have provided as much information relating to my name, address, social security number. If for some reason, they are reporting anything different, that would mean it is reporting inaccurate and untruthful information and that would be violations of the FCRA. 
I know that you are required per the FCRA to record and report only accurate and up to date information in honor to be truthful. I would need you to correct any erroneous information that is not verified. 
Please have this information updated and corrected ASAP. Here is the information that should be reporting : XXXX XXXX. 
XXXX XXXX XXXX XXXX Virginia XXXX. 
My Social Security Number is XXXX My DOB is XXXX. 
For security reasons since my phone number is unpublished and private, I ask that you do not report my telephone number due to all these marketing and sales calls which are very annoying to say the least. 
Please mail me an updated credit report to the correct address listed within this letter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX charge me for ending my lease early. Date move in was XX/XX/XXXX XX/XX/XXXX I gave my 30 days notice on XX/XX/XXXX. My expires date was XX/XX/XXXX. I left on a emergency situation. Property Manager kept my security deposit and charge me {$820.00} and put my name on, XXXX XXXX XXXX XXXX. I have made payment and ask for a letter. I have been getting the play voice over the phone for one year. Every time I apply for an apartment I get turn down I am on subsidized housing and my credit score shouldn't have anything to do with my past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter on XX/XX/2020 to the credit bureau regarding inaccurate and unknown items on my credit report. It has been more than 60 days. My identity was stolen in the XXXX Data Breach. As a United States citizen, I do not feel protected and it seems to be that I am being taken advantage based off of my living zip code. According to Section 611 ( a ), it states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. I demand All inaccurate accounts that were mentioned in my letter and on my account with unverifiable/Inaccurate Account Number, Open Date, Closing Date, Date of Last Activity, Last Payment, and Date Reported should be delete at once.

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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Account is fraudulent and unauthorized. I do not have any knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
The following accounts appearing on my credit report are fraudulent : COMMONWEALTH FINANCE {$1200.00} XX/XX/2021, XXXX XXXX {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, XXXX XXXX XXXX {$1400.00} XX/XX/2021, XXXX XXXX XXXX {$640.00} XX/XX/2021, XXXX XXXX XXXX {$930.00} XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I notified XXXX that I am a victim of identity, and XXXX responded that they verified a fraudulent account, which I not sure how that's done. Please see attached FTC for fraudulent accounts that I had nothing to do with and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Account is fraudulent and unauthorized. I do not have any knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
I received an email regarding a verified account with Skrill which I did not, to my knowledge, create. Given the difficulty I've had in removing fraudulent accounts created with this email address on XXXX and XXXX this is both concerning and likely fraudulent. Against the possibility that I had created an account some years ago for some long-forgotten reason, I thoroughly searched my records and I can find no record of any other email from srkill in my archives. As far as I know the password of this account has not been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX, I noticed my Bank of America ( BOA ) online banking no longer gives me the right to access my checking and saving account. 

I called BOA in the middle of XXXX and BOA informed me that they closed my account. I did not receive any phone call, email, or text notice from their action. 
I was told BOA has the right to end the client relationship with me and my money will be mailed back to me via check. The associate states the check would be sent to my billing address. 

On XX/XX/XXXX, I received the noticed of account closure delivered to my billing address. 
In the latter of XXXX, I called BOA again because I have not received the check. The bank associate stated that the check might be lost in the mailing process. I was told I need to wait 90 days for the check to expire so BOA would send another check to me. 

In XX/XX/XXXX, I called BOA multiple times to track the process and BOA asked me to call back after XX/XX/XXXX to initial a stop payment process and a new check request. 

On XX/XX/XXXX, I called again to follow up my request. BOA associate actually informed me that the first check was delivered to a wrong address ( previous billing address ) I no longer have access to. I asked BOA to change my address to my current address and start their process of sending out the check. 

On XX/XX/XXXX, I called BOA to follow up. The associate told me they have no updates from the last request and suggested me to file another stop payment request. I confirmed now they had my correct address and requested as they told. 

On XXXX XXXX, I called BOA again to check the process. BOA claimed they don't have updates due to extreme weather in their headquarter in Texas. They suggest me to wait 7 to10 more business days. 

I was very unpleased about what BOA did to my accounts. I have been a client for nearly 6 years. 
First of all, I do not think it is appropriate to close a client 's account without notice advanced. 
Secondly, I have been misled for almost 3 months because they send the check to a wrong address. 
Thridly, I do not know what took BOA so long to send another check. It has been a month past their 90-day rule. They did not automatically initiate a new check and they have not been protecting my interest in a responsible manner. 

The amount I had on my accounts with BOA : Checking- XXXX USD Saving- XXXX USD BOA has breached my enjoyment of life and violated my right on my property. They have failed to treat their client with fairness and honesty. 

I demand BOA return my money via check in a timely manner and I need to keep my right to seek justice and compensation via the legal process.

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 2021-02-19 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: SC

Complaint narrative:
I have been trying to access my Credit File through both XXXX and TransUnion.com in which I have been unsuccessful. I have tried to resolve this matter with them, but I am not getting anywhere with them directly.

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 2021-02-19 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
The following accounts appearing on my credit report are fraudulent : XXXX XXXX {$1200.00} XX/XX/2021, XXXX XXXX  {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, ABILITY RECOVERY SERVICE {$1400.00} XX/XX/2021, XXXX XXXX XXXX {$640.00} XX/XX/2021, XXXX XXXX XXXX {$930.00} XX/XX/2021.

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 2021-02-19 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
The following accounts appearing on my credit report are fraudulent : XXXX XXXX {$1200.00} XX/XX/2021, XXXX XXXX  {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, XXXX XXXX XXXX {$1400.00} XX/XX/2021, PHOENIX FINANCIAL SE {$640.00} XX/XX/2021, PHOENIX FINANCIAL SE {$930.00} XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is from CFPB case number XXXX XX/XX/2021 Discover - Executive Office Customer Advocacy Per the letter received from Discover that clearly does not address any of my concerns was an epic fail and disappointment. The letter indicated me speaking to reps in the in the customer protection services department. On each call I gathered information and indicated my concerns with the Discover process. On either calls the reps advised they were notating my concerns, and would forward them to the Executive offices which I never heard from until I contacted the CFPB. My concerns are simple.. Why do you need every page of my tax return to validate income? Why would you use XXXX, a company which has proven reputation that has been recorded having a LARGE breach that had the consumers information compromised. In addition to that the algorithm that XXXX  uses and how they are collecting information. How is that information being used beyond the alleged verification. Discover is using XXXX  as a third party and can not vouch for what is happening with my information once given. YES, I am aware that certain information is already provided to credit bureaus monthly. However, my children and additional assets that I may not want considered is listed on my tax return. NOT limited to their social security numbers, dates of birth, & colleges. I cooperated with the first request of verification of my SSN which required me sending in photo ID and my social security card also completed by XXXX through the social security administration. Is this a form of discrimination based on race, gender, and or employment status ; full time vs self employment? 

" Card issuers need income information to offer an increase in your credit limit, under the Credit CARD Act 's ability to pay rule. You can choose to skip questions by your card issuer about your income, but that may affect offers to increase your credit line. '' To be clear yes I elected to close the card because had I did not oblige your request. DISCOVER would have closed my card and that would have HURT my credit rating " Closed by card issuer '', in addition it is bad enough that once the account is closed you loose the payment history that was EXCEPTIONAL even if I close it myself. DISCOVER has adopted this policy and has not considered what it would do to the consumers and their credit rating. 

Again- XXXX XXXX  I appreciate your attempt to respond as required by the CFPB however the questions were left unanswered and there are forums regarding the Discover practices and many concerns because personal information is not treated with care and concern.

Although customer surveys state Discover has great customer service, survey those consumer accounts that were never late, and were given only 2 options. Expose all your information or we will close your account by X DATE & X TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
Since 2010, I had/have checking accounts with XXXX XXXXPacific Premiere Bank. I can not access my accounts online and it blocks me " each and every week ''. If I am unable to access my accounts, then I can not realize, if the balances are low. With its predatory practice, bank quick returns checks and collect NSF fees after NSF fees, while it is their fault that I can not access my accounts online. This is the only bank that I have problem with. I have told them about this problem for about last 2 years. It was mitigated that I was able to go to branch and find out my balance. Now with COVID-19, I can not /will not go the branch. So the first problem is access to my accounts online. Second problem is that my interest calculation by the bank is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called Capital one several time to have my phone number and address updated and they have refused to do so - Capital one have an open card to my name sent to an old address and it might be in someone else 's possession- I have called numerous times to try to have my information corrected and they have made it impossible to do so in a secure manner so, I have requested that they close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I reached out to the team at GOOGLE XXXX  about my homes thermostat app no longer working properly This no longer allowed me to change my homes temperature remotely. I was then informed by a team member that my unit was part of group recall. 

I asked what would be the protocol with swopping out the defective units. I was then informed I would need to pay nearly {$300.00} up front first, then send the unit back before they would release a new unit out. Once the new unit was sent out I would get a refund once the old unit pass through inspection Thus I was completely shocked with the companies remedy to fix a know problem. I then asked to escalate my concerns to manager because I didn't feel like the fee was fair to me the consumer. 

Its now XX/XX/XXXX and I still haven't heard back from a manager. I have called back several more times speaking with different associates, yet no manager.

My units internal battery now randomly dies, thus not allowing me to check the temperature in my home for 3-5 hour while the unit recharges. 

Case ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: CA

Complaint narrative:
Knight Adjustment Bureau is ruining my credit by fraudulently saying that I owe a school money when I spoke to the owner of said school and have in writing from the owner that I owe their school nothing. The owner of the school also told me in writing that I was not sent to collections by their school. I submitted proof to the agency and told them that what they were doing was fraudulent and I finally got them to remove the collection on XX/XX/21 but then on XX/XX/21 they put it back on my account and destroyed my credit all over again. I am suffering from XXXX XXXX XXXXhat causes physical XXXX XXXX  and all of this stress has made me extremely ill. I dont know what else to do, Ive been trying to fight it for a long time and Ive received no help. This is a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
Us bank Reliacard has had my funds on lock for 10 days now absolutely no information from customer service employees

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