vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.

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 2020-03-14 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: AES/PHEAA
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I ordered two pairs of shoes from the Steinmart Store located in XXXX XXXX, S.C., a week before XXXX, XX/XX/2019. I ordered them, paid for them, and they were to be delivered to my home. The charges for those two pairs appeared on statement charged on XX/XX/XXXX. One pair cost {$45.00} and the other pair {$64.00}. Only one pair ( XXXX ) was delivered to my home. I called Steinmart and they could not tell me what happened to the delivery. I have contacted them several times and each time I am told that I need to contact the dispute department. The dispute department at Syncrony Bank has not returned any call after I have left several messages. I never received the shoes, and I have requested proof of delivery form what ever delivery carrier they used. They have not provided me with any proof of delivery, but are still charging my credit card 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 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I Had an account with XXXX for over 12 years. Their service began to wain, so I switched carriers. My account at that time was in good standing and had not been under contract for many years. I paid the balance from the store of my new carrier when they swapped my number to the new phone. A few years later I began getting calls saying I owed them money. They have refused to provide proof. After a few collection agencies, it was sent to Southwest Credit Systems. I told them I don't owe them money and I'm not going to pay. they made calls to a few family members threatening " legal action '' and continue to call me after I told them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Im XXXX XXXX, I would like make a claim against Wells Fargo bank. On XX/XX/20, they sent me email telling me that they was going close my account on XX/XX/20 due to transfer money into my savings account. I already put {$300.00} in my savings for me to go on vacation as of this year. So I called them back they told me called loss provenction. I called them, and ask why are you closing my account an they said that it was unorize that I had wire to much money, and to be taking money out of my account and putting money in to my account. So thats reason they are closing my account. So I told lady that was fine, that I will be taking my money out of bank, I will be banking some were else. She also said they had put hold on my account. On XX/XX/20, my employer ( XXXX XXXX XXXX  ) did a direct deposit in the amount of {$380.00} in to my checking account. It had posted to my account at XXXX XXXX. I had money in my account when I left work. I paid XXXX auto insurance on that day. In the amount of {$130.00}. Everything went thru and had balanced of {$240.00} left in my checking account. Later on that day I went to Roses express store to used my debit card in the amount of {$23.00}. I also went get food. I also used my debit card there in the amount {$9.00}. On XX/XX/20. I decided to go to bank to get some money out when I notice I had a negative balance of {$140.00}. I call Wells Fargo customers services an I told lady what happened to my money that was in my account she said that were no deposit made in my checking account. I told her there was deposit of {$380.00} that was deposited on Friday, cause I get paid every Friday my money goes into my checking account. She claimed that was no money in my account. I have proffered that money was there. I get text messages on my phone stating when my direct deposit is posted into my checking account, and the time it is in there. I also have copy of my pay stub from my employer deposit money into 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 explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooper Hoffman Klein Associates
State: FL

Complaint narrative:
XX/XX/2018- Hoffman associates in the amount of XXXX this debt is not mine. I have disputed it

Company response to consumer: Untimely response
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Did not receive escrow after refinancing with another company. My Loan is XXXX. My Insurance company XXXX informed me they returned the insurance escrow payment ( {$810.00} ) to NewRez but NewRez never returned the escrow overage to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/2018- XXXX XXXX in the amount of XXXX this debt is not mine. I have disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I traveled over seas and somehow my credit card information was compromised. I was not aware of the transactions until I returned to the United States due to the lack of internet service. I contacted capital one on many occasions trying to resolve the issues but I am unable to get the assistance I need. I have attached documents filed for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX, I went to Chase Bank to make a withdraw. The branch was located at XXXX XXXX XXXX XXXX, OH XXXX. At approximately XXXX I entered the branch and indicated to the " greeter '' that I was there to make a withdrawal of {$1000.00}. I had planned to talk with a banker but I was directed to an ATM. I utilized the specific ATM the gentleman pointed to and the ATM debited {$1000.00} from my account but only dispersed {$360.00} leaving me without {$640.00}. 
A personal banker assisted me and I was under the impression they would retrieve my cash so that I would be made " whole '' prior to leaving the branch. This did not happen. A " claim '' was opened and I was told my funds would be back in my account within 12 hours. Later during the evening on XXXX, I called the Chase claims line and was told that the correction could take up to 45 days, which is significantly longer than the 12 hours  initially promised to me. 
On XXXX, I checked my online account and the money was still not refunded. I called the claims line at approximately XXXX on XXXX and complained about this process. I was told by the first agent the claim was already " approved '' but the escalation agent indicated that the claim is still in the processing stage. I'm obviously struggling to get clear answers from Chase and this is not acceptable.

Bottom line : Chase has {$640.00} that belongs to me. I'm beyond disgusted that the banks, which the American people bailed out in XXXX, can prey upon consumers this way. This is shameful and needs to be addressed ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I worked a whole week waiting for pay day and was paid with a fraudulent check

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX OH XX/XX/XXXX {$1100.00} XXXX XXXX  XX/XX/XXXX {$420.00}

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 2020-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I found this debt on my credit that I never opened. This company saying I opened an account with XXXX XX/XX/2020. I need to know what legal steps to take this false claim off my credit. I don't know how this happened but this must be taken care of immediately!!!! I disputed this claim through XXXX and they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX with false and inaccurate information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a deposit into my Capital One credit card, {$200.00}, on XX/XX/2020 and this started the problem I now have. I believe that because this deposit was {$1.00} over the limit ( which I later found out and tried to correct ) it created a problem at Capital One for me. The previous month, XX/XX/2020, I made a deposit of {$200.00} with NO problems? Why I wanted to find out? As I did try to get information, it seemed I was getting the run-around from Capital One. So I closed the account ( probably not the best thing I should have done at the time ) and wanted a refund of the deposit. This is where it goes downhill for the next 2-3 weeks. I have been on the phone with Capital One for at least a dozen times + ( just on the phone with them an hour ago ) and once again I get the run-around, bad information, not told things I should have been told, lies and anything else you can think of too. All of this over a {$1.00} too much of a deposit??? I realize that there are procedures, wait times, cycles with credit cards, but this not a professional way to help a Capital One customer at all. I could really use these funds NOW, but I may not until the end of XXXX or the beginning of XXXX? Wow! Any help from CFPB will be greatly appreciated at this time please. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: KS

Complaint narrative:
Friday XX/XX/XXXX at XXXX XXXX CT, IQ Data International called me. I answered the phone, a woman asked if I was available but did not ask my last name, only my first. When i said i was available she stated her name inaudibly and immediately went into specific details before confirming she had the right person. She did not provide the balance owed, date, or confirm any information with me. Woman kept insisting her " special team '' had been looking into my account, made it seem like i was under investigation, and told me they had been mailing statements to my address, which she gave out without me asking or confirming and is not correct or current. When i told her the address was all together invalid she did not try to update and asked me why i havent done anything about this if its on my credit report. i advised the woman that i just now saw it on there and had not received any mail or other contact from them so was unaware until recently. I also adv her that I had moved out and the bill was from rent for a person still living there, who had advised me they included this in their bankruptcy and told me i was not responsible, before i could finish the woman was, almost insultingly, explaining how bankruptcy works and how im obviously still responsible. I could not even try to tell her i understood before the woman starts to get combative, assuming, and condescending. When i told her i felt she was being rude she began to talk over me and ask me if i really talk to people that way, going off until i finally hung up. Working in collections myself i felt that this was a compliance issue and unprofessional

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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 have been a Victim Of Identity theft with These Accounts XXXX XXXX  open Dates XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX  XXXX XX/XX/XXXX {$3600.00} Please close these Accounts Due to Fraud I Did not authorize accounts to be open

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 2020-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc.
State: NV

Complaint narrative:
I applied for credit and was denied due to an unknown collection. I was forwarded a copy of my report and noticed the fraudulent account. I have tried contacting the debt holder and can to no resolution. I am a victim of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: NV

Complaint narrative:
Equifax have re-inserted information without validation. The accounts are : XXXX, XXXX XXXX, and XXXX XXXX. These accounts were removed and now they have re-inserted without proper notice nor validation not verification. 

FCRA 611 ( 15 U.S.C. 1681I ) Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted. 

Equifax did not follow the FCRA law regarding reinsertion. I did not receive a letter within 5 business days informing me of the reinsertion. I would like these accounts to be removed immediately! Legal representation is on standby. This problem is a nuisance and I want this problem to be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under FCRA to note consumer statement requirement. 


Equifax in reporting to my credit file to note my consumer statement and dispute against XXXX  Card  Servicer to XXXX XXXX  XXXX, XXXX, accounts numbers XXXX and XXXX, for violating Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and Hide the Securitization Requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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 REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged. 
The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.

Company response to consumer: Closed with explanation