vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
This complaint was closed as a duplicate. It is not a duplicate. This is a complaint of fraudulent charges made in my name by XXXX XXXX XXXX. My complaint against them was originally referred to the FTC by the CFPB and was never responded to. The debt was then purchased by XXXX XXXX XXXX. XXXX is a property management company. XXXX XXXX was the name of the apartments. The original amount was {$1500.00}. They added a recent unknown balance. Now the new balance is {$2000.00}. They provide no explanation for where this new charge of {$500.00} comes from. I do not see how this meets the requirement of the Fair Credit Reporting Act. I do not see why it is not being recognized as identity theft. Charges trumped-up in my name. Both XXXX  and XXXX   have recognized the account to be fraudulent and have removed the account. XXXX  continues to report this fraudulent account. I have an ongoing complaint with CFPB against XXXX  about the inaccurate reporting. XXXX XXXX   never provided any evidence of these charges or where they came from. I was sent a simple letter by the company listing many fraudulent charges in the amount in question. They claimed they were damages that did not exist. They provided no photographic evidence. This company has had several reviews of the same problem occurring. I was offered no recourse in protesting the charges. The item was placed on my credit report before I knew what happened. I have had trouble removing this fraudulent account ever since. It has changed collection agencies twice so I can not sustain a complaint. It was last Credit Bureau Associates. I have also been unable to obtain suitable housing because of this fraudulent property lien placed on my credit report. I am including the information for XXXX  as well as XXXX XXXX XXXX. Please investigate this matter thoroughly. Do not close it off as a duplicate. I asked that this matter be reinvestigated thoroughly. I will not file a duplicate complaint. This matter must be resolved. I'm on SSI. I'm unable to pay this amount. I am in danger of becoming homeless. I'm a veteran of the XXXX XXXX. If the matter is not resolved in this complaint my only recourse will be to bring civil action and contact my State 's Attorney General 's office. I would appreciate any help. Thanks so much. I attached copies of the letter to my last complaint that was marked as duplicate. I can no longer upload those documents. Please locate and review them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While on business travel in XXXX, I attempted to withdraw cash from an ATM. The ATM retained my ATM card and the interface screen indicated that my ATM card was being held for security purposes. Later that night, I checked my account and discovered that multiple ATM withdrawals had occurred in the course of the several hours after I attempted to withdraw funds. I immediately called Chase and informed them that fraudulent activity had been occurring on my account. In subsequent correspondence with Chase, I learned that my ATM card had been used ( or attempted to be used ) at over 30 different ATMs throughout XXXX that evening, with at least 15 of such attempts resulting in amounts withdrawn from my checking account. Chase later disputed my claims of fraudulent activity on the basis that there wasn't sufficient evidence of fraudulent activity -- notwithstanding that my ATM card had been used ( and attempted to be used ) at over 30 different ATMs throughout XXXX in a single evening. I believe that Chase is attempting to shift its burden of protecting against consumer ATM fraud to its customers, and is negligent in its handling the basic indications of ATM fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I opened a PayPal account on XX/XX/XXXX with the intent of using my PayPal account to accept payments for items ( 2 rare coins from my personal coin collection ) that I planned to sell on XXXX. On XX/XX/XXXX the coins sold successfully and I received the payments to my paypal account, {$1400.00} total, {$740.00} for each coin. My PayPal account immediately had a limitation placed on it pending a review of my account activity. I was told a couple weeks later ( after I already shipped the coins to the buyers ) that after PayPal 's review, my account would be permanently limited and my funds would be held for 180 days from the date of the limitation due to " high risk activity ''. I strongly believed at the time this was an unfair action but was told the decision was final. On XX/XX/XXXX I received an email saying my PayPal funds were eligible for withdrawal after this 180 day time frame passed. However, since then I've been having issues actually withdrawing the funds. I now receive an error message when trying to log into my account to withdraw the funds saying " Sorry, we can't log you in. If you think there's a problem with your account, please contact us. '' I have not been able to get this issue resolved with PayPal 's customer support so I can actually regain access to my account. Any department I'm connected to says it's a different department 's problem. And no one can explain why this block was placed on my account preventing me from logging in. I was promised by PayPal that I would be able to withdraw my paypal funds after the 180 days passed so I want PayPal to live up to this promise and allow me access to my money. It is my belief that PayPal has no legal or legitimate reason to continue holding this money. It has now been over 3 months past the date that I was supposed to have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Gold Delta SkyMiles Credit Card made the following advertisement offer to me : " For a limited time, earn XXXX bonus miles after you spend {$3000.00} or more in purchases with your new Card within the first 4 months of Card Membership. '' I applied for Gold Delta SkyMiles Credit Card in XX/XX/XXXX and American Express approved my application. However I have not received the credit card for which I applied for until XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX I repeatedly called American Express and informed them that I have not received the credit card from them. During each phone call they verified my name and address and promised to sent me a new card, but no cards arrived in my mailbox. Finally, I wrote American Express a letter and informed them that I never received a card from them and several months after I mailed them a letter I finally received their card in XX/XX/XXXX. 

However, the Gold Delta SkyMiles Credit Card was delivered to me more than four months after I was approved for the card and I was not able to make any purchases on the card until I received it. 

Now American Express claims that I am not eligible to receive the XXXX bonus miles since I have not made the required purchases within the first 4 months of card membership. I explained to them that due to their inability to deliver the card to me on time I was not able to make any purchases on my account until XX/XX/XXXX and asked them to extend the period in which I can make the purchases to receive the miles advertised under their offer. American Express representatives I spoke to have not made any attempts to resolve the issue nor were they able to find a person who is able to resolve the issue and call me back. 

I understand that technical issues sometime prevent American Express from fulfilling the promises they make in their advertisements, however the fact that they are not able and/or not willing to correct their errors suggests that it is American Express ' intended practice to delay the issuance of credit cards in order to avoid fulfilling their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Accounts & Advisers, Inc.
State: NY

Complaint narrative:
I had my car broken into where personal information and creditmcards were stolen is XX/XX/XXXX. I was a victim of identity theft as a result. Most recently, In XX/XX/XXXX I became aware that someone used my personal information to obtain medical services in XXXX XXXX. XXXX XXXX and their client American Account Advisors placed a fraudulent collection on my credit report in XX/XX/XXXX. I sent them the police report filed last XXXX and the Identity theft report I filed with the Federal Trade Commision and requested they remove the fraudulent collection from my credit report. They have not responded to my request or removed the information from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX IS CERTIFYING A DEBT THAT DOES NOT BELONG TO ME. 
I SENT COPIES OF MY POLICE REPORT TO THE COMPANY AND TO THE CREDIT BUREAUS AND XXXX XXXX KEEPS CERTIFYING WITH THE REPORTING AGENCIES THAT THIS MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I previously notified Navient that I am a victim of identity theft, and requested that they do the following Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. S 1681 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX was deleted but reinserted into my credit files with experian and XXXX   without notifying me whatsoever, in violation Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days

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 2018-08-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX was deleted but reinserted into my credit files with XXXX and equifax   without notifying me whatsoever, in violation Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: FL

Complaint narrative:
I obtained card XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX numerous fraudulent purchases were made totallng $ 13,000+. I disputed with bank numerous times and they refused to honor their advertised fraud protection. During that same period my XXXX and XXXX cards were compromised as well, totaling {$16000.00} in fraud. Both banks honored their fraud polices and credited my accounts and sent me new cards. 
I filed a fraud complaint with FBI at the time, had chat session copies with BOA representatives that I provided. No resolution.

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 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have a loan with AMERICAN HONDA FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMERICAN HONDA FINANCE with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delta Management Associates, Inc.
State: WI

Complaint narrative:
Week of XX/XX/XXXX, a call was made to a debt collection company. I received notification in the mail about the debt and the notice said that they are willing to offer a settlement. We received the settlement offer with a due date of XX/XX/2018. We agreed and asked for the settlement offer in writing or in an email. They refuse to put the settlement offer in writing. They call every other day asking for payment - even though our settlement agreement had a due date of XX/XX/2018. We have asked repeatedly for a settlement letter for our records and they repeated say they can not do that. Without proof of the settlement offer they agreed to, it is their word against ours for the settlement amount. And now they are calling every other day, as recently as XX/XX/2018, asking for immediate payment. When we mention the settlement offer and the due date, they say they don't know what we are talking about. Then after we push the settlement issue a little more, they suddenly find the settlement agreement. But this is exactly why we wish to have the offer in writing. As soon as we get the offer in writing, we will make payment.

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 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Participated in " Up to {$500.00} for your business limited-time only '' promotion. Completed the requirements : " open a Bank of America business checking account and make qualifying deposits of at least {$5000.00} within 60 days of account opening '', also " Open a Business Advantage credit card and spend at least {$500.00} on the card within 60 days of opening a new business checking account ''. However, the bonus was not credited to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Opening a checking account with M & T bank responding to an promotional offer. Mentioned the {$250.00} bonus and met all the requirements. However, the account only received a {$100.00} bonus. This shall be due to banker 's mistake or bonus system error.

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 2018-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have a checking account with US Bank which is headquartered in XXXX. The bank insists that some federal regulation requires it to send me a paper copy of a bank statement each month or to post this information online. The charge for a paper copy is XXXX XXXX. I do not want a monthly statement and want to waive this protection. I am willing to sign any waiver which relieves the bank of legal liability. The bank refuses to let me do so. Is my argument with the bank or the agency which promulgated the regulation?

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In XXXX I froze my Experian credit report and received a PIN to use to unfreeze the account. Twice I have tried to use this PIN to unfreeze the report and twice I have been unable to do so. Experian does not have a customer complaint telephone number so I am forced to write to the company and wait for a reply. I just want to unfreeze my account when necessary and do not think I should have to wait to do so. Time is of the essence.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I few months back I contacted Equifax in regards to fraudulent accounts one being XXXX XXXX. I sent in the necessary documents affidavit, police report. They removed the account now the account has appeared back on my report under XXXX XXXXXXXX and Equifax allowed that. Dropping my score tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: GA

Complaint narrative:
On XX/XX/XXXX, All Three Credit bureaus : XXXX XXXX XXXX XXXX, XXXX, TransUnion, LLC, and XXXX were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX XXXX of Georgia in credit files maintained under my Social Security number.

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/XXXX. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX XXXX of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX XXXX of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX XXXX of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to e-Oscar, PACER, or any means of automated verification.

I also received proof from the United States Bankruptcy Court XXXX XXXX of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, TransUnion, LLC, and XXXX   all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I few months back I contacted XXXX  in regards to fraudulent accounts one being XXXX XXXX. I sent in the necessary documents affidavit, police report. They removed the account now the account has appeared back on my report under XXXX  XXXX and XXXX allowed that. Dropping my score tremendously

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