vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
On XXXX I received notification via XXXX that National Credit Adjusters ( NCA ) had reported a collection which dropped my credit score by 77 points. The account NCA is attempting to collect has been in dispute for almost a year and was opened by former member of my family without my knowledge or consent. Attached are my dispute letters to the original creditor and a copy of my FTC Identity Theft Affidavit in regard to this account. Furthermore NCA made no effort to contact me about this collection and I therefore had no knowledge of this prior to today ; in fact according to the original creditor this account was sold to XXXX XXXX XXXX and I received no notification this had changed. Attached is CFPB complaint about failure XXXX 's failure to validate the debt. Also in looking at the collection as it appears on my XXXX  credit report this account shows Date Opened XX/XX/2020 and then Date Reported XX/XX/2020. This is impossible as I did not open any account with NCA or XXXX XXXX on this date. I demand that National Credit Adjusters immediately remove this collection account from all my credit bureau reports. As stated in my phone conversations with the original creditor I as told the alleged debt had been sold to XXXX and there was zero mention of NCA being involved nor did I receive any notification from NCA via mail or telephone call. I feel that this collection was placed on my credit file in retaliation to my previous complaints. As I previously stated during my phone conversations with the original creditor I was told the alleged debt had been sold to XXXX and there was zero mention of NCA being involved nor did I receive any notification from NCA via mail or telephone call. I feel that this collection was placed on my credit file in retaliation to my previous complaints. I will also forward this matter to the Tennessee Board of Commerce and Insurance. If the item remains on my credit report by XX/XX/2020 I will refer this matter to my attorney for legal recourse and will seek all damages as entitled via the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
I received an XXXX XXXX debit card from XXXX XXXX 's my employer, for my pay. I wanted to take money out. On XX/XX/2020, I went on the XXXX website to look for a free ATM to use with this card. The website instructed me to download an app which will tell me where all of the ATMs will be with no fees. I went to the ATM and I was charged a {$3.00} fee. when I called XXXX XXXX I spoke to a representative named XXXX who began arguing with me that I was not charged. Then she began to read my transactions with all of the ATM fees but still insisted they were not charges. She then began to explain that they were balanced inquiries not withdrawal fees therefore these were not real fees. as she continued to gaslight me, I thought maybe it would was a communication problem because her English was not good. She refused to credit the {$3.00}. I was appalled thinking as I make {$8.00} an hour at XXXX XXXX and these people are charging me {$3.00} just to use the card. I asked to speek to a supervisor named XXXX who I was met with the same argument these are not actual charges because they were not withdrawal fees they were balanced inquiry fees using the same ATM which I was instructed to go to through their app. XXXX also refused to credit me the {$3.00}. And insisted I wasn't charged any fees. Then began to read me my transactions from the card and says ATMs fees 3 times.

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 2020-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I made a deposit of 10 checks into my business checking account. The ATM said there was an error and to contact Chase directly. The ATM lost 2 checks, one for {$120.00} and another for {$700.00}. 

I contacted Chase and made a claim for the two lost checks. They said that they would issue a temporary credit to my account while they investigated. I did not see any temporary credit on my account within 7 days and they assured me it was " there, but i couldn't see it ''. They also said they mailed me a letter detailing the temporary credit but i did not receive any letter in the mail. 

Now, on XX/XX/2020 i checked my paper statement and there is no temporary credit issued nor have i received any notice regarding my claim. 

I have a claim number but nobody will help me regarding the status of these 2 checks that the ATM ate!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
XXXX  continues to remark that Trustmark XXXX is reporting XXXX XXXX Bankruptcy for me. I have never filed bankruptcy. Trustmark XXXX has stated to me that XXXX  must be coding their report of account being affected by Covid as bankruptcy. Trustmark has emailed XXXX  - Yet, XXXX  most recently coded it again as bankruptcy on XX/XX/2020. 

I am attaching email communication from Trustmark XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Beginning in XX/XX/2020 a Company named " Offices of Credit Management '' began calling my phone. They would not disclose what my " debt '' supposedly was. When I stopped answering their calls they began to leave this actual voicemail. They have left this voicemail several times now : " Our Bill matches your Social Security number, the moment you receive this message I need you to get back to me on my department division number XXXX XXXX XXXX XXXX, I repeat at XXXX XXXX XXXX XXXX. Now, if I don't hear a call from you we will have to issue an arrest warrant and get you arrested, so get back to me as soon as possible, thank you. '' They have called from these two numbers, yet they left the number above : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I called the numbers to ask about the " arrest '' a manager came to the phone and it was the same male voice that left the voicemails, except I could tell he ran his voice through a device that slightly altered it. I have perfect hearing and that is certified by my ear specialist, I instantly asked him why he left a voicemail like that via a device and that I could tell it was him. He grew hostile and denied ever leaving voicemails and hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have sent a few letters, asking PORTFOLIO RECOVERY ASSOCIATES, LLC is send me original documents with my signature, as a proof to this claim i am unaware of. After the second letter i received a response saying. They have completed their investigation, and have established validity. I have yet to see documentation with My signature. I called the original creditor, XXXX XXXX and made them aware i knew nothing of the debts. XXXX XXXX response was that they had no original Documentation with my signature on it.Upset that they have not worked with me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
My name is XXXX XXXX ssn XXXX. Capitol 1 has restricted my account ending in XXXX as of XX/XX/XXXX and is closing my account as of XX/XX/XXXX claiming it to be inactive. However Capital 1 has failed to provide me with a card to use for purchases and has failed to provide periodic statements as required under regulation X. Specifically under article of REG X section 1026 which requires a minimum of quarterly statements. I have another Capital 1 account that I do use regularly and would have also have used this account had they provided me with a card and statements. I have received no statements at all in XXXX, only an email notification of suspension and cancellation of my account. Furthermore, I only received a year end statement in XXXX. Multiple calls to customer service have not be effective as the telephone receptionists in the boiler rooms say there is nothing they can do and the cardholder agreement says Capital 1 has a right to cancel an unused account even if they caused the inability to use the account. I have 800+ credit scores and the loss of a XXXX credit line that has no balance and would be paid in full every month as all my other credit lines are will cause irreparable harm to my credit score. Furthermore I believe I was targeted because Previously I always paid in full and had no interest charges. Also a REG X violation to cancel an account because of a lack of finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Ok so I did a dispute on XX/XX/2020 because Equifax was reporting the wrong demographic information for me. I pay them XXXX a month to be able to check my score an make sure everything is report accurate. I have been doing so since XXXX XXXX. So when I filed my claim on XX/XX/2020 claim # XXXX I got my result back from Equifax on XX/XX/2020 stating that they has updated my report an the invalid names an address had been removeD. So here I am thinking that I could view a updated an corrected version of my credit profile. Wrong it was not updated. So I called spoke to a agent who told me that she apologized an that maybe the site had not updated yet but she would mail me a copy of my report. This was on XX/XX/2020 I said ok they told me to check back on the site an It should be fixed. So here we are I havent received my copy report in The mail an it is XX/XX/2020 an the information online is still reporting inaccurate so I called back on XX/XX/2020 request a refund as well as for my information to be corrected I was given the run around they agent gon na tell me I need to redo my dispute. I ask for a supervisor an she gon na tell me that they were goin to tell me the Same thang an then after being on hold for almost a 1 hour she does not put a supervisor on the line she transfer me to a survey. An the calls disconnects. This was a whole mess not to mention a Inconvenience not only was I treated badly my credit profile still has inaccurate information reporting on it. all the while they sent out documentation stating they removed it. They intentional did not want to assist nor remove this incorrect information. Something needs to be done. They just done care

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Have repeatedly disputed this account for inaccurate reporting. Dates updated, last activity, last payment, and account status is all inaccurate. Please see uploaded report. This is clearly a violation of my rights under FCRA.

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 2020-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Hello, I am contacting because Wells Fargo keeps charging me a monthly fee on my checking account. Normally, before COVID-19, I made 10 debit transactions and avoided that fee. The Wells Fargo website stated that they help during COVID-19 so I called XXXX on XX/XX/2020 at XXXX MST and spoke to XXXX who refused to give any other identifiers ( i.e., ID number etc. ). I explained him that I have a documented XXXX and by CDC guidelines, should avoid public places and as such, I cant use debit card 10 times per month to avoid that fee. I asked him if you could reverse the monthly fee on the account for the period XX/XX/2020 - XX/XX/2020 but not only he refused to do so but he was also rude. 

Overall, during the last several months, I am observing the trend that Wells Fargo customer service is getting rude and unprofessional.

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 2020-10-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In early XXXX, I opened a bank account with chase. I opened it with my paychecks that Id save from work to open a new account. I go in, get the account, and continue on. After two days, my account randomly locks. I go in to ask and they tell me that its because they need to verify its me so I said okay and give them more info. The lady then tells me that Id be easier to open up a whole new account and send the money from the old one to that one. After opening up a new one I deposited {$800.00} into my savings and I had {$300.00} in my checking. After two days it got closed yet again and I called this time. They told me it was because chase ended their relationship with me, which I didnt care. But I asked about the money. The lady told me itd take 1-2 weeks and its been over a month now. This is {$1000.00} that chase stole from me and theyre refusing to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have sent a few letters, asking XXXX XXXX XXXX, XXXX  is send me original documents with my signature, as a proof to this claim i am unaware of. After the second letter i received a response saying. They have completed their investigation, and have established validity. I have yet to see documentation with My signature. I called the original creditor, Capital One and made them aware i knew nothing of the debts. Capital One response was that they had no original Documentation with my signature on it.Upset that they have not worked with me to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
Capital Account contacted me about a bill from my dentist, I wrote them back that the debt is invalid because my insurance already paid the bill at 100 % and I dont owe any money. They then proceed to report this to my credit file and it has affected my points to drop.

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 2020-10-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It always ask me to create a new password even though i just had created one. And when i do it then makes me change it 3-5 times in a row. So it eventually will never let me login in to my account. Only sometimes it will let 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
Consumer complaint received 2020-10-03 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: FL

Complaint narrative:
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 2020-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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