vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
ON XX/XX/2018 REPORTED FRAUDULENT CLAIMS TO BANK OF AMERICA AFTER REVIEWING MY STATEMENTS BACK A YEAR AND 13 OF THEM WERE NOT PAID, SUM OF AMOUNT NOT PAID IS $ XXXX.FILED FRAUD REPORT FOR ALL CLAIMS AND WAS NOTIFIED BY EMAIL.SEVERAL NEW CARDS WERE ISSUED TO ME BECAUSE I LOST MY WALLET OR CARDS WERE REPORTED LOST. 
I AM A XXXX PERSON ON SOCIAL SECURITY XXXX AND I DO NOT APPRECIATE MY SAVINGS BEING STOLEN FROM ME!! ALL CLAIM NUMBERS ARE LISTED ON UPLOADED LETTER WITH RESPECTED AMOUNTS.

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 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a complaint with the CFPB on 2 factor authentication problems. At this point I am completely locked out of my accounts with no way to access anything from the website. So this is a new problem and is much worse than the earlier one.

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 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
Back in XX/XX/XXXX I filed a complaint on XXXX who was trying to collect on a account that I had already settle and paid the amount that we settle on. XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/XX/XXXX for  {$1000.00}. I ask XXXX to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}. The company now has now sold the debt to another company. I already settle on a amount with a different company which has been paid! Now they have resold the debt making it like I havent paid anything! This account had been detrimental to my credit score and has prevented me from obtaining financing! I again ant the account removed and marked paid in full I have paid the money that I have been asked for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened an account with XXXX XXXX online in XX/XX/XXXX in a process that took a few minutes. I never received the debit card for the account. I called a few times and they said they can't issue a new debit card without the account number. I never received a debit card or checks or anything with my account number on it. Their solution is for me to go into the branch but I moved in XX/XX/XXXX and do not live near a branch. I would have to take time off work to go. I tried to just close my account to end the headache but they said they can't do it over the phone and that I have to mail in a letter. After mailing the letter they told me it had to be notarized and that they couldn't close it. 

I just want to close this account and get my {$25.00} back. If I opened it online and confirmed the opening with a phone call I don't understand why I can't close it over the phone after providing all of my personal information. I have closed bank account over the phone before. I feel like they are just making it difficult so that I won't follow through with closing it.

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 2018-03-18 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

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 2018-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
When finally getting around to reconciling my bank accounts, I realized that that on XX/XX/XXXX I had an ACH transaction initiated from my XXXX   Checking Account for the amount of {$4500.00} to my Capital One 360 Checking Account with the Trace number of XXXX. Investigations were conducted by both sides to arrive at the conclusion that XXXX shows the money being sent, but Capital One 360 does not acknowledge receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

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 2018-03-18 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: NJ

Complaint narrative:
This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: NY

Complaint narrative:
The three credit reporting companies had confused my identity with my brothers because we have similar first name and last name and we live in the same household.However we have different date of birth and social security number. XXXX has resolved the issues but Equifax and XXXX still confusing our identity. 

I can not access Equifax because it can't identity me with my social security and date of birth.When I try to login, they either can't find me in the system or they confuse my credit report with my brothers. So when I input my information they take me to my brothers credit report. 

XXXX has my brothers credit report and my credit report combined together. There are accounts that belong to my brother and there are accounts that belong to me but however XXXX   has all information incorrect. They have my brothers date of birth and name on my report when I try to pull the report with my social security and date of birth. 

Example of Personal Information displayed in XXXX which is incorrect : Name XXXX XXXX  XXXX Also Known As XXXX XXXX  XXXX XXXX XXXX Birth Year XXXX Employer ( s ) XXXX Address ( es ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Statements Personal Statement ( s ) No Statement ( s ) present at this time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There is an collections account on credit report from XXXX XXXX in the amount of {$2600.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: NV

Complaint narrative:
I was a victim of identity theft, someone applied two times for a XXXX XXXX credit card and i ask TransUnion to removed it from my credit report because they are fraudulent hard inquiries but they refused. I received a letter from XXXX XXXX letting me know they have told TransUnion to remove both of the fraudulent hard inquiries from my credit report but nothing has happen yet. This is a very serious matter, Im very frustrated and TransUnion won't help me fix it. Please remove XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX from 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 non-monetary relief
Consumer complaint received 2018-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I have had this account for years until recently I started at a hotel and they let you pay cash and hold {$75.00} off your card for issues accrued. Mid stay I noticed they were charging my card and I was paying cash I only discovered it because I went shopping and my card was getting denied so I called and discovered the amount that I knew I had on my card wasn't there because XXXX XXXX and XXXX was charging my card the daily room even though I was paying cash so they were getting paid twice a few items I disputed I disputed an amount and my money was credited back and then the hotel went in a did a hard hit on my card making it negative the exact amount combined that I just disputed so when card company credited it again the money essentially went right back to the owner cause we all know if have a negative account as soon as money is added or credited to your card the negative amount is paid. I went back and forth with this for months with no resolution except to tell me the creditor said the charge was valid and most of the time that was true but they didn't tell that they had already been paid in cash. This hotel has alot of complaints from guest complaints regarding charges that were not authorized. I wish I had looked them up on the XXXX XXXX XXXX beforehand.

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 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I noticed there was a quickpay XXXX money transfer for {$200.00} that went to a contact I had not used before. The only information I was able to see is a XXXX email address ( XXXX ) and their name ( XXXX XXXX ). No phone number was provided. I was surprised that this happened and immediate contacted Chase Bank. 


I called the XXXX number on the back of my card as I caught it in processing. They tried to see if they could stop it and then told me they couldnt. In addition, when I asked them for more information they could not give it to me. They did not even mention to file a police report or prosecute the person. How do I know it's not a Chase Bank employee or friend/acquaintance of an employee there. 

I asked what else could be done as the money had gone to someone it shouldnt have and I want it back. They escalated it up, and I spoke with fraud. 
They told me they would investigate but that it was unlikely anything would happen. I was to receive a call back in a few days. 

That didnt happen instead about 2-3 weeks later I received a brief form letter from chase saying it wasnt fraud they determined the transaction was fine and Im XXXX out of luck. Chase Bank lacks professionalism, has poorly trained fraud and customer service staff -- from my experience, and I have lost trusted in them. Chase Bank representatives stated and implied that when a customer uses their quick pay XXXX feature that the bank is immune for any dispute or fraudulent activity. 

I started to research and tell others of what had happened. I found an article on XXXX from XXXX XXXX, titled " JP Morgan Chase glitch gave some online users access to others ' accounts. '' First, there was communication or mention from anyone at Chase Bank about this situation or that possible I could have been a victim of this ordeal. According to a XXXX XXXX that could not confirmed that there was or how many unauthorized money transfers. What I am asking for is the return of the unauthorized transfer of money for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The three credit reporting companies had confused my identity with my brothers because we have similar first name and last name and we live in the same household.However we have different date of birth and social security number. XXXX  has resolved the issues but XXXX and Experian still confusing our identity. 

I can not access XXXX because it can't identity me with my social security and date of birth.When I try to login, they either can't find me in the system or they confuse my credit report with my brothers.  So when I input my information they take me to my brothers credit report. 

Experian has my brothers credit report and my credit report combined together. There are accounts that belong to my brother and there are accounts that belong to me but however Experian has all information incorrect. They have my brothers date of birth and name on my report when I try to pull the report with my social security and date of birth. 

Example of Personal Information displayed in experian.com which is incorrect : Name XXXX A XXXX Also Known As XXXX XXXX XXXX XXXX XXXX Birth Year XXXX Employer ( s ) XXXX Address ( es ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Statements Personal Statement ( s ) No Statement ( s ) present at this time

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 2018-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ii just saw that someone tryed to open a card with capitalone XXXX XXXX card that wasnt me for sure, I already have a capital one platimum please remove this hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XXXX XXXX, 2017, I applied for a checking account from BBVA Compass because of an offer they had where you would get a {$200.00} bonus after opening a checking account and getting a {$300.00} direct deposit. BBVA sent me an email saying that my account was under review and I would be called soon. I was never called, and despite me calling and emailing them numerous times over the next two weeks it wasn't until XX/XX/XXXX that I was told my account wasn't under review any more and I was able to sign in. 

I met all the requirements for the {$200.00} bonus -- I read all the fine print, and did exactly what I needed to do. I never got it. I've called them several times and messaged them on the website several times and gotten the runaround, and repeated refusals to help because " the promotion expired on the XXXX and your account was opened on the XXXX ''. They obviously just delayed the official account opening date so they could cheat me out of the {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-18 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On or about XX/XX/2018 I paid off 2 credit cards issued by XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX business card. I have paid my bills monthly and when I paid the entire balances off in full, my accounts were closed without notice or explanations. I have tried to reach out to XXXX XXXX to figure out why and was told that because my credit score changed I was a risk to them. To make matters worse the paid off accounts are not reflecting as paid off which would significantly impact the credit score. The closure of these cards have/will negatively effect my credit rating. I can Understand if i was late or severely past due but I wasnt. Please help me fight this. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Today I noticed a charge of {$160.00} debited out of my Navy Federal Checking Account. I contacted NFCU to see what this charge was for and was advised by a supervisor by the name of XXXX, managers name is XXXX that I previously owed a debt that was charged off in XX/XX/XXXX.  However this debt to NFCU was included in bankruptcy that was filed on XX/XX/XXXX in the US Bankruptcy Court XXXX District of Georgia, Case XXXX, the meeting of creditors was held on XX/XX/XXXX and case was discharged in XX/XX/XXXX. When the bankruptcy was filed NFCU closed all of my accounts. I recently reopened my NFCU account in early XX/XX/XXXX. All the representatives were aware that my accounts had been included in bankruptcy and because of this I had limited functions on my NFCU checking account and still do. I would like to add that the accounts which include a checking/savings, credit card and personal loan are also listed on my XXXX, XXXX and XXXX Credit report as being filed under a bankruptcy. My rights have been violated under the Federal Fair Debt Collection Act and I am requesting that this issue be carefully looked into. This is unfair and has caused emotional stress. Now I am worried that my money that I have worked hard for is not safe in this account and that NFCU is  unpredictable and will attempt to debit money out of my account in the future.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: Genesis Credit Management, LLC
State: NY

Complaint narrative:
ii just saw that someone tryed to open a card with XXXX XXXX XXXX card that wasnt me for sure, I already have a XXXX XXXX platimum please remove this hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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:
Transunion continues to report an inaccurate account on my report which is in direct violation with FCRA law. They are reporting that I was late on a XXXX XXXX account number XXXX  4.9 years ago however they are not reporting the month date or year on my credit report and they refuse to provide the documentation they are using to report the inaccurate information. I need your assistance in getting this inaccurate account off of my credit report asap. They are reporting that it last updated in XX/XX/2017 buy yet is says payment status is unknown but saying in my summary that I was late. It's contradictory information that they are reporting and it's all wrong. I've also requested they remove the employer reporting for I don't work there and they continue to report the inaccurate information.

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