vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
I received a call today from a male trying to verify my information. When I asked where he was calling from, he refused to tell me unless I confirmed my address. I asked him again where he was calling from but wouldnt tell me claiming he was trying to tell me if I confirmed my address. He refused to tell me so I demanded that he cease and desist immediately. However, he kept pressing for my information and I hung up on him. I called the number back and another gentleman answered the phone and didnt disclose any recording like the first guy did and he did not announce the name of the company. So I asked him what the name of the company is and he told me this company. Then the guy stated someone already removed your number, I dont know why you called back. Seriously?! I then advised him that the reason I called Back was because the last guy refused to give me the name of the company. I was hoping to get someone who actually liked their job but by the way my interaction went with the two males, its evident that they both hate their job or they are being trained to refuse any information being trained to violate their consumers rights. Which leads me to believe that this company is a scam. 

I dont know why this company is calling me. All the scams out and I would think that any legitimate company would have to advise where they are calling from, especially if youre calling someone and asking for them to confirm their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
A collections account from Receivables MGMT Corp # XXXX appeared on my credit report that I didn't recognize. After my research into this account, this account is not mine and is fraudulent in nature. I have never conducted business with this company or creditor. I have notified the credit bureaus and have sent in the id theft report backed by the FTC. This fraudulent adverse account is harming my credit files and I demand this account be removed immediately from my credit files by Receivables Mgmt Corp # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage took over my acct in XXXX. Prior to XXXX my acct was in good standing. Freedom Mortgage repeatedly placed my payments in unapplied funding acct. Even though the banks confirmed the money had been taken out by the XXXX XXXX refuted the claim and placed me in foreclosure. I have recieve asst from keep your home california {$27000.00} in XX/XX/XXXX. Freedom Mortgage XX/XX/XXXX took {$25000.00} out of my XXXX XXXX XXXX XXXX Acct. Not authorized. They credit themselves the money. Took XXXX monies. Stated I owed all the monies XXXX just gave them. Stated I owed, them XX/XX/XXXX - XX/XX/XXXX. When asked about the XXXX XXXX they stated, that amount did not exist nor the Source. And the only monies they saw was the XXXX they credit themselves out my Personal Credit union acct. I a Loss Mitigation package XX/XX/XXXX. Paid {$2500.00} for 3 months. I Completed loss Mitigation package Trial payments. I notice that Freedom Mortgage had stated I owed XXXX. I notified my attorney XXXX of the discrepancies. He replied, I did my Job you just need to sign the papers. And to make my Payments. I was informed by Freedom of a Surplus of {$2400.00} and {$500.00} that was in unnapplied fundings. I was instructed to pay {$1500.00} XX/XX/XXXX. And Freedom stated they would applied {$500.00} to my mortgage. XX/XX/XXXX, Freedom Mortgage stated, I owed {$4400.00}. The {$1600.00} was not enough to cover the Mortage and it is in unapplied funding.

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 2020-11-05 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I canceled my XXXX XXXX XXXX XXXX XXXX service in XXXX and switched over to XXXX. During that switch over their was a problem with XXXX XXXX XXXX switching my home phone number over to XXXX. I could not cancel my XXXX XXXX XXXX service until this was completed because of my age and health, I nee a land line. A day after the phone number was switched I cancelled by XXXX XXXX XXXX service. XXXX XXXX XXXX continued to bill me for service that I did not want, need or used during this time. I contacted them numerous times and one accounts supervisor said he would reverse the charge and close out my account. This never happened and my account was turned over to Credence XXXX XXXX debt collector ). I received a letter from them trying to collect this unpaid balance and I wrote back and explained the situation to them. During this time Credence reported by account as delinquent even though it was being disputed, {$250.00}. My credit rating has dropped from just under XXXX to XXXX because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 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: WI

Complaint narrative:
We use to live at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I moved out of the state of Florida after my lease was up. I have never payed late or left an outstanding balance with XXXX XXXX. In XX/XX/XXXX, I saw a negative account added to my credit report and it was from XXXX XXXX  ( original creditor XXXX XXXX XXXX. I tried to reach out to apartment management company and they refused to send me documentation to prove the outstanding balance, even though when I left my documents showed a {$0.00} balance. I tried getting proof through the credit bureau 's, and they are verifying the account however not showing me the proof of verification.

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 2020-11-05 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: FL

Complaint narrative:
There were several fraudulent transactions made on my account to the tune of around 8 thousand dollars. I contacted my bank and my fraud claim was denied. I was told it was denied because the transactions were initiated at the same IP address. I explained that I did not initiate or authorize the transactions and the fact that they were done on the same computer does not mean it was not fraudulent. It made no sense what I was advised. My claim was denied I went to the bank they advised to file a police report. 

I filled out a police report and received a call from the police who were surprised the back had not done anything. I am a first responder a firefighter and I work very hard to make a living. I have been with Bank of America since 1998 for over 20 years and have always kept my accounts in good standing and had no issues. 

I am extremely disappointed that they have left me unprotected and will not reimburse the fraudulent transactions on 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 2020-11-05 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: AL

Complaint narrative:
Fraudulent inquiries on my equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX Data Breach and that may have gotten in the wrong person 's hands

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 2020-11-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax Data Breach and that may have gotten in the wrong person 's hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/2020, I purchased a XXXX XXXX XXXX XXXX carpet cleaner from XXXX XXXX XXXX for {$190.00}. Payment was made via XXXX with my Goldman Sachs Mastercard as the funding source. 

On XX/XX/XXXX, when I did not receive a shipping confirmation from the vendor, I replied to the order confirmation email inquiring if the carpet cleaner had shipped. 

After waiting 3 weeks for a response, I filed a claim with XXXX on XX/XX/XXXX. The claim was denied on XX/XX/XXXX because, they said, the seller had provided shipping confirmation. 

My XXXX statement shows the charge was made to my account on XX/XX/XXXX, the day the order was placed. However, payment was NOT made to the company, it was made to an entity named XXXX with a seller name of XXXX XXXX XXXX and an email address of XXXX. 

The shipping information indicates it was shipped on XX/XX/2020 via XXXX which, coincidentally is the same date XXXX denied my claim. The XXXX tracking number provided by the seller is XXXX. I went to the XXXX  site and entered this number and it shows the item was NEVER DELIVERED. It also showed the weight of the package at 13.6 lbs. The unit weighs 26.3 lbs per the manufacturer. Per the XXXX website, it seems to have gotten lost somewhere in XXXX, PA It has been more than 120 days, so this information is not readily available on the XXXX website, but I do have a screenshot that I can provide ( see attached ). 

In addition to the suspicious name change and offensive email address, when you try to go to their website now, it seems it has been taken down. My virus protection software cautioned me not to proceed beyond the warning window. 

I have made 1 failed attempt with XXXX and 3 attempts to resolve this issue with Goldman Sachs and provided proof of all statements made above. They continue to refer it to their " disputes team '' who have rejected it twice based on the same doctored pdf document provided by the vendor showing that XXXX delivered the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: GA

Complaint narrative:
To whom it may concern : This is my second request to remove accounts in my credit that do not belong to me, credit accounts that are not mine and I didn't have any knowledge of, I found out that a report with the FTC and police report has to be file. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

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 2020-11-05 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: GA

Complaint narrative:
To whom it may concern : This is my second request to remove accounts in my credit that do not belong to me, credit accounts that are not mine and I didn't have any knowledge of, I found out that a report with the FTC and police report has to be file. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: LEXISNEXIS
State: GA

Complaint narrative:
I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: MA

Complaint narrative:
We cancel the services rendered by XXXX on or about XX/XX/2019, a year later I received a collection letter from a company attempting to collect a suppose debt that allegedly I have with XXXX, I called XXXX and they said that the services were never canceled, proof that it was cancel Is the fact that I still have same services thru them but with another account number that is current. I never received a bill or anything. They claim that the services were disconnected due to non-payment when In fact I had already canceled such account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
A merchant accidentally took out 2 payments instead of just 1. Both payments caused my funds to be extremely low. I called the merchant to reverse payment and they said it was going to take 3-5 business days for them to review the issue. I needed the money immediately because that was all I had and Im a XXXX  XXXX. So I called Wells Fargo customer service line and the banker issued a stop payment since it was still processing according to the Wells Fargo app. There was a {$31.00} stop payment fee. The banker told me I could get my {$31.00} back as soon as the merchant review my payment. I called the merchant back 6 days later and they said there was an stop payment issued and everything was good to go. So I called the Wells Fargo customer service number again and the Banker told me that I couldnt get the full {$31.00} refund but that I could only get back {$23.00} as a courtesy because the automated system takes my account activity and relationship into consideration when issuing my waiver. Also, she told me that she did not have the option of refunding all my money. Even though clearly it was a merchant error, Wells Fargo still took my money that I was supposed to get back.

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 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX sent a closed account to my credit report knocking my credit score down in XXXX and sent to Sequium fraudulent collection agency. Although, I have a letter from the XXXX company showing it was closed since XX/XX/2020 and no balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank on numerous occasions has adjusted and manipulated my transactions to gain more overdraft protection charges. When I called them out on it the first time and told them I had screenshots of the re-arrangements over 3 days they reversed it. The second time they charged 4x overdraft charges to my account while the account was still positive from the last business day. When I called the bank to resolve this error the excuse I was given was that your computer and her supervisor 's computer wouldn't reverse the overdraft charges. Here is a list of transactions and the balance that shows there should be no overdraft charges yet they refuse to return my money. 

XX/XX/XXXX Overdraft Paid Fee {$36.00} - {$110.00} XX/XX/XXXX Atm Fee XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} - {$81.00} XX/XX/XXXX Atm Withdrawal XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} - {$79.00} XX/XX/XXXX Recurring Debit Purchase XX/XX/XXXX card XXXX XXXX XXXX {$65.00} {$24.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX {$23.00} {$89.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$110.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$140.00} XX/XX/XXXX Electronic Deposit XXXX XXXX XXXX {$240.00} {$180.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX Az {$49.00} - {$55.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX*XXXX  XXXX {$17.00} - {$5.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$12.00} XX/XX/XXXX Web Authorized XXXX XXXX {$110.00} {$48.00} XX/XX/XXXX Deposit View Image {$150.00}

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 2020-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: NY

Complaint narrative:
was promised {$75.00} for getting a direct deposit, got a direct deposit of {$500.00} on XX/XX/2020 yet bonus never credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
please remove my fraud alert and consumer statement.

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