vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union decided to switch all checking accounts to a monthly fee premium account without account owner permission. 
Its an opt out scenario and trying to get my account left with the free checking option took far too much time on hold today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NV

Complaint narrative:
On XX/XX/2020, I lost my wallet at a park and my Bank of America debit card was used that day to make purchases at 6 places totaling {$5000.00}. I called the bank that day to report my card stolen and filed a claim. They denied my claim saying that they used my pin to purchase. I did not make those purchases. It's FRAUD! I had them reopen the claim and told them they needed to look at the store footage, etc.. and see that it was NOT me making those transactions, nor anybody that I knew as the card was STOLEN. I don't know how they got my pin. Ask these professional hackers how they do it! 
They even made purchases at a XXXX XXXX XXXX and I don't even shop there nor have a membership! 
My other 2 credit cards were in that wallet as well and they were also used to make fraud purchases and those cards ( XXXX & XXXX ) approved my claims. 
I don't know why I am having such trouble with Bank of America as I have been banking with them for over 25 years! They have denied my claim 3 times! 
I did not make those purchases and need my money returned to 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 monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Divorced in NY, XX/XX/XXXX, ex spouse maintained full control of my Citibank, XXXX, NY checking account during and after divorce, XXXX. 
This action in contempt of divorce judgment and stipulations. 
All deposits into my account and withdrawals rerouted, bifurcated, used to pay off his personal debts. 
I have received some of the copies of checks requested, they are either washed and forged or endorsed with 3-4 unique accounts owned by my ex spouse. 
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 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
On two instances I had XXXX XXXX to foods that I ate. The first one occurring on XX/XX/XXXX ( XXXX Claim ID : XXXX ) and the second XX/XX/XXXX ( XXXX Claim ID : XXXX ). I was not near the XXXX XXXX XXXX XXXX so I went the the near by hospital XXXX XXXX XXXX on both occasions when the XXXX XXXX  occurred. Prior to being treated I showed the ER reps and physicians my VA XXXX card so that they would know to bill the Dept of Veteran Affairs for the Out Patient Urgent Care. When XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sent the billing claim for reimbursement, they failed include my medical records from both of the ER visits and they utilized the incorrect billing codes. 

The VA initial denied both claims, with the first claim denial for my ER visit on XX/XX/XXXX being on XX/XX/XXXX in which the VA sent a letter of response requesting the missing information so that they could pay the reimbursement. On XX/XX/XXXX, the claim from the ER visit on XXXX citing the same issue with their Billing order, the missing medical records. For both Claims the Department of Veteran Affairs allotted XXXX XXXX XXXX XXXX XXXX 90 days from the date of Denial to submit the correct information so that they could pay the ER Claim. XXXX/XXXX never responded within the allotted time period and decided to send the Medical Bill Charges to a 3rd Party Collection agency known as Wakefield & Associates. 

Not once was I notified from XXXX/XXXX regarding any debts owed, but I received notification from the 3 major credit bureaus, when I got a hit on my Credit report from Wakefield & Associates. I never received any correspondence regarding the missing information from XXXX/XXXX nor did I receive any correspondence from Wakefield & Associates. What I did receive was a hit to my credit scores via my alerts on all 3 major Credit Bureaus which promoted me to call the XXXX XXXX XXXX XXXX who told me about the issue and how they tried to get the information from the Creditors so they could pay the claim. 

As of right now I have two Medical Collection accounts at Wakefield and Associates ( Acct Numbers : XXXX and XXXX ) on my credit report due to the negligence of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX not providing the Dept of Veterans Affairs the correct information to process the reimbursment and also not responding to the request for information after the XX/XX/XXXX and XX/XX/XXXX denials they sent to XXXX/XXXX. These items need to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I have been locked out of my coinbase account. Tried to log in but every time they ask for a 2 step verification the text is never received. the account has {$100.00} in it. XX/XX/2020. 
I have sent them emails but no response from nobody. 

I just used a different phone number just to test out if the sms verification is down but to my surprise they did sent out a code to that phone number. 

I requesting help to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a SunTrust  checking account on XX/XX/2021 with opening deposit of {$100.00}. I deposited a {$1400.00} check on XX/XX/2021 at a local branch and was immediately notified by mail that a 10-day hold was placed on the deposited funds. I lost online banking access to my accounts shortly after making the {$1400.00} deposit then received a letter dated XX/XX/2021 notifying me that my account had been closed by SunTrust  's fraud operations team without cause. The letter stated that my remaining balance would be mailed within 5 days. On XX/XX/2021 I received a check for the {$100.00} opening deposit and upon calling SunTrust to check on the remaining {$1400.00} balance to be refunded they explained that I needed written letter on the issuing bank 's ( XXXX  XXXX XXXX XXXX letterhead stating that the funds were truly intended for me. I called the issuing bank with a SunTrust  representative also on the phone with me on XX/XX/2021 and the issuing bank declined to release any information regarding their accountholder 's account other than that the account existed. 
The funds have cleared the issuing bank and the 10-day hold period has expired. 
SunTrust  's actions seem to be in violation of Regulation CC as they have exceeded the initial 10-day hold period and failed to notify me of any additional holds. Since it is the issuing bank 's policy not to disclose the confidential client information SunTrust  is requesting of me in order to release the funds, I am not able to access funds that are rightfully mine and in SunTrust 's possession.

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 2021-01-28 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: TX

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2021-01-28 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: TX

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3200.00}, {$160.00}, {$100.00}. 
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. 

-- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

4. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -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 explanation
Consumer complaint received 2021-01-28 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting a complaint in reference to this company CAPITAL ONE AUTO FINANCE knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof of the purchasing agreement? Valid Authorization/proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C42, et esq. I am maintaining a careful record on mu communication with your company. Thank you, I look forward to resolving expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
XXXX XXXX Customer Service stated that I would be receiving paper statements of my account in the mail. As of this date, I have received NO, repeat NO, paper statements of my account from XXXX XXXX. I tried contacting XXXX XXXX by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Auto enrolling people into checking accounts and charging them {$6.00} a month for things not everyone wants and if you want it free you have to meet their requirements of {$1500.00}. A direct deposit of {$500.00} AND at least 20 transactions a month made with your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: FL

Complaint narrative:
Americollect Inc Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Creditor Information AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Dear Officials, I have contacted the original creditor 'XXXX XXXX XXXX ', XXXX XXXX XXXX billing department , and Americollect , My company insurance coordinator and finally XXXX XXXX All of them have a different amounts, service dates, and number of invoices. It is frustrating. If the original creditor XXXX XXXX XXXX sends invoices to Americollect, i agree to pay if they are accurate. XXXX said they have only 2 accounts on my family name, i have them- willing to pay buy when i call Americollect the collection agency, they have 5 accounts/invoices. My company insurance coordinator is unable to view amounts, i called XXXX, they do not have records of those claims fro XXXX. How am i getting them? I am sure i do owe some money during our XXXX but where should i get the correct info. I would say i believe XXXX since they are the original creditor. Please help. Americollect telling me incorrect information and sent info to Credit bureaus I beleive them all and ready to pay but i want to make sure right people getting my money. 
Subject ; XXXX XXXX XXXX XXXX Americollect XXXX. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 went to try to pay my bill and store told me account wasnt active and they closed it and told me to apply again so I did and they denied me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
America First Credit Union informed members of a required change to a {$6.00} fee service that we were all automatically enrolled in. No attempt has been made by the company to inform me of this change, found out through local news. Attempted contact and was told it was the best option for me as a customer. This is unacceptable behavior from a seemingly reputable institution such as a credit union thats business is to manage, not waste, customers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Unioncreated a new premium checking account with a XXXX XXXX/mo fee and auto enrolled their clients in it automatically. 

I do not want this service and would rather keep my free account and forgo the premium features. 

A company should not secretly subscribe members to a paid service. This should be an opt in scenario

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial
State: GA

Complaint narrative:
Preferred Lease has been falsely reporting information on my credit report for the past 6 months. I used this company to lease some furniture and after paying the balance of XXXX on XX/XX/XXXX, I requested to have it picked up. After speaking with the CSR on the phone, he assured me that the account would be marked for recovery status and that the payments would cease. More than a month later, Preferred Lease reports to the credit bureau and flags my account as delinquent. I had called several times because the furniture still wasn't picked up. I called almost weekly, some times more because it was never picked up. I was told that someone named XXXX would call and set up a pickup time. I sent the photos requested, I sent the information showing the payment made on XX/XX/XXXX. The next month, they reported to the credit bureau and showed I was late. I called again, the furniture still had not been picked up. I asked why were they reporting to the bureau when I had asked to have the furniture returned. XXXX said that I was still liable because they had not picked it up yet. I reiterated to XXXX that I had requested several times to have it picked up with no success. I again requested the furniture be picked up. 65 days later on XX/XX/XXXX, the furniture was retrieved. Again, they reported my account as late 60 days and filed as a voluntary repossession. I was told the return was allowed because it was a lease. When I called to ask what was going on, I was told that they were showing the account as CLOSED. On XX/XX/XXXX, Preferred lease was updated AGAIN! From {$300.00} to {$890.00}. The person I spoke with on XX/XX/XXXX, searched and stated that they had no open accounts in my name. It's reported that I owe XXXX and last payment was XX/XX/XXXX. The report dated XX/XX/XXXX shows last payment on XX/XX/XXXX. They are also reporting the account balance as {$3200.00} It should be XXXX because it was a lease, and I was given the option to return it. As of XX/XX/XXXX, this account is still on my XXXX credit report as 90 days delinquent and owing {$3200.00}. I filed a complaint with the XXXX on XX/XX/XXXX and received a response that said the company believed their information was accurate, but that they would request a deletion. The account was closed per previous conversation with corporate, so the letter is a false statement. 
Product_Or_Service : XX/XX/XXXX Account_Number : 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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union automatically opted members into their premium checking accounts and will charge {$6.00} per month. They did not notify all their members and I had to find out through XXXX and the news ... the only way to opt out and not be charged is to call member services and be on hold for an hour + or go into the credit union during a pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: PA

Complaint narrative:
My report is being used improperly and violates my rights as a consumer under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX 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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation