vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, my checking account with Bank of America had four fraudulent, unauthorized charges. I used the appropriate channels and reported the fraud immediately. Four days after the claim was filed with Bank of America, on XX/XX/2019, Bank of America had closed the claim ( Claim ID : XXXX ) and stated the charges were authorized and posted correctly. 

I discovered that a new debit card was sent to an address in XXXX XXXX, CA that does not belong to me two days prior to the withdraws. I do not know how the criminal was able to convince Bank of America to send a new debit card to an address I've never used before, but this is how the fraudulent activity was initially enabled. 

According to the checking account statement, the withdrawals in question were made in the city of XXXX, CA and the Bank of America representative claimed there was video evidence that confirmed my identity making the fraudulent withdraws. They further added that they compared the footage in XXXX with local footage taken from my frequented Bank of America location to arrive to this conclusion. 

I was not present in XXXX, CA the day of these withdraws and can confirm an alibi with my place of employment if Bank of America divulges the time these withdraws were made. 

Bank of America has declined to show me the video footage, and have referred me to the XXXX XXXX Police Department so that the footage can be released to them and investigated. A police report ( Incident No. :  XXXX ) with the department was created on XX/XX/19. 

This police report along with a letter requesting re-opening the claim has been faxed to Bank of America and have since agreed to review the case. However, they have given a window of 4-12 months to complete the investigation, which is unacceptable considering the circumstances and lack of evidence placing me at fault. 

Bank of America has not sent me any official correspondence outside of a small notification with their online banking website. I do not have any documents informing me that they have re-opened the case, nor do I have any means of inquiring further into these fraudulent charges.

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 2019-12-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2019 Amount : {$1900.00} in accrued interest payment to home depot credit services. 

I'd like to start out by saying that I have perfect credit on several accounts for over a 20 plus year history. Back in XX/XX/2019, Home Depot hit my bill with an accrued interest/promotional balance payment that increased my minimum payment due significantly. I called Home Depot credit in XXXX and they agreed to let me pay the promotional balance and, in return, they would remove the accrued interest. It was not made clear to me at the time that I had to pay the promotional balance on the spot for them to remove the accrued interest charge. I was under the impression that they would remove the interest charge and that I would pay as I normally do and had some time to pay the promotional balance. I pay this bill automatically through my bank and because of this accrued interest charge that they agreed to remove ( but did not ), my payment was less than the new minimum payment they calculated. They reported me to the credit agencies as having a late payment 30 days. I want it removed

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 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I paid {$210.00} to XXXX XXXX on XX/XX/2019. I have recently paid multiple debts. I work for a utility company myself called XXXX XXXX. In Oregon if you pay the debt through the utility company the interest is forgiven. When I paid my debt to XXXX XXXX XXXX, it was also through Bonneville Collections, the interest was forgiven. A large debt I recently paid off with XXXX XXXX through XXXX XXXX XXXX, the interest was also forgiven. However Bonneville Collections will not forgive my interest for this debt that has been paid in full. I want to dispute the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I got a notification from XXXX that CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/2019 Balance {$1200.00} Was trying to collect the amount listed above this creditor placed a derogatory mark on my credit file with no prior communication to even validate if the collection was mine which it is not i have filed a dispute and am waiting for results from XXXX  No collection agency should ever replace any derogatory marks on anyones credit file without first validating the death especially if it does not belong to the individual

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 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
They took it upon themselves to contact my elderly parents and stressing them out ... my father is I'll and had a XXXX and does not need any added stress ... I am XXXX and havent lived with them for 20yrs. I live across the country from them. I am curious as to how the even got their number. Calling multiple times a day. When I called about it a supervisor told me " they have their ways of getting in contact with people ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 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: IN

Complaint narrative:
Ive had {$100.00} US currency available in my Venmo account for three whole days and have been declined over and over at atms and with transactions at store registers. Ive contacted customer support multiple times over this issue and have been getting the same generic computer generated replies even after asking for a supervisor or shift manager for customer service. Im not able to send or use this money yet there is nothing pending on my account and absolutely no way for me to be in more contact with customer service with my scheduling. I have attached some screenshot Images to confirm my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I have been reviewing my credit reports and requesting investigations into all accounts that appear to be reporting inconsistently and inaccurately. One of the reported accounts, XXXX XXXX ( XXXX Card ) has been reporting inconsistently and inaccurate information since XX/XX/2019 at least. Despite my numerous letters to the credit bureaus, they continued to report that the account is valid and without error. As you will see from my attachment, this is definitely untrue. From my last investigation request, I was pleased to see that XXXX  finally reacted responsibly and deleted the account based on how it was reporting. XXXX  and TransUnion continue to report the remaining account in violation of the FCRA. 

I think at this point I have been more than patient despite their lack of efforts to be compliant with FCRA guidelines. The account needs to be deleted from XXXX and TransUnion as the data furnisher appears to have no intention on reporting accurately.

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 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo failed to honor a settlement offer made to me in XXXX by XXXX XXXX, a rep with Wells Fargo. The offer amount, {$3700.00}, was never received and it is now XXXX. Prior to this, I requested a refund in the amount of {$610.00} which includes mainly overdraft fees charged to accounts not authorized. A total of four mediation request forms were sent in, XXXX XXXX contacted me, offered settlement amount. Since no payment was received in re, additional CFPB complaints were filed. XXXX replied most recently stating numerous attempts at resolution were made, which is a lie and seems to provide the same general form response to each and every complaint. I can assure the CPFB there were no such attempts and Wells Fargo is fully aware of resolution which has been detailed numerous times. I will reiterate again here, refund of {$610.00} will resolve matter since no settlement payment was received. I have contacted the XXXX XXXX City Attorney as per instructions from a XXXX, a rep with class counsel for Wells Fargo Settlement. XXXX informed me Wells Fargo is involved in at least three class actions, XXXX Settlement, WF Settlement, also a settlement with all 50 states and the Attorney General of each state.. I have also contacted Attorney General here in Connecticut as well as California, advised them of my situation. I suspect XXXX will provide the same carbon copy reply in which case I can assure any third party Wells Fargo claims of attempts at resolution are 100 % false and bogus, he has not detailed one such attempt.

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 2019-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THIS IS ONE THAT I HAVE BEEN TRYING TO GET REMOVED ASAP FROM SOMEONE USING MY IDENTITY. I NEED THIS DELETED FROM MY CREDIT REPORTS AND BLOCKED FROM POSTING AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ) The reporting of this account is inaccurate. I have disputed this with the credit bureaus for 5 or 6 times already but they still have not removed this account from my report. I have indicated in my letters the reason why they need to delete this account. First, the date opened and closed is inaccurate. Second, the balance owed is incorrect. I do not owe them {$340.00}. I have asked them to validate this account but their response is misleading.

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 2019-12-19 00:00:00
Product: Debt collection — Payday loan debt
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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Received a email from National Credit Collections stating I owe {$760.00} a debt that I never took out from this company. Company via email stated that if debt was not paid they would file with my district court and declare dead and loan default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
I XXXX XXXX believes that there is no legitimate collection process for my student loans from my years at XXXX XXXX. This college closed in 2016 as a result of multiple fraud complaints. Accordingly, I request copies of full documentation to validate if the loans were nationalized with the U. S. Department of Education, or of they are private student loans. In addition, I believe that there is a process on loan forgiveness that needs to be addressed, and my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are being violated as there are two collections against me on all credit buraus. The Deville Asset Management agency has no rights or authority to be posting these accounts totaling over {$14000.00} on any credit bureau. I demand to se the full tract of debt ownership  including but not limited to the rights to Deville Asset Management to pursue collection. In the meantime, since no such documentation proves collectability, these accounts need to be removed on every credit bureau immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX believes that there is no legitimate collection process for my student loans from my years at XXXX College. This college closed in 2016 as a result of multiple fraud complaints. Accordingly, I request copies of full documentation to validate if the loans were nationalized with the U. S. Department of Education, or of they are private student loans. In addition, I believe that there is a process on loan forgiveness that needs to be addressed, and my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are being violated as there are two collections against me on all credit buraus. The XXXX XXXX XXXX XXXX has no rights or authority to be posting these accounts totaling over {$14000.00} on any credit bureau. I demand to XXXX the full tract of debt ownership including but not limited to the rights to XXXX XXXX XXXX to pursue collection. In the meantime, since no such documentation proves collectability, these accounts need to be removed on every credit bureau immediately.

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 2019-12-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( XXXX ) The reporting of this account is inaccurate. I have disputed this with the credit bureaus for 5 or 6 times already but they still have not removed this account from my report. I have indicated in my letters the reason why they need to delete this account. First, the date opened and closed is inaccurate. Second, the balance owed is incorrect. I do not owe them {$340.00}. I have asked them to validate this account but their response is misleading.

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 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian and XXXX XXXX continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.

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 2019-12-19 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: Experian Information Solutions 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 {$6100.00}. 
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/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting th
is 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. 
-- COLLECTION -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$6100.00} -This is not 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 non-monetary relief
Consumer complaint received 2019-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorize any to make on my behalf. It is the result of identity theft. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Employer ( s ) :  XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that  information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license

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 2019-12-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) - This account is paid off. I have asked the company involved to delete this account but somehow they still have not deleted this.

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