vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: CT

Complaint narrative:
I originally sent a validation of debt letter to the EOS CCA XX/XX/2019. The letter was ignored. Then I wrote a second letter to EOS CCA. I will attach the letter to the CFPB today. The letter included a cease & desist. For this reason, I had the document notarized by XXXX CT. town hall. I immediately sent the document to the EOS CCA collection agency. I was explicit in instructing EOS CCA in the validation of debt letter to explain several key points. I asked for clarification about how the amount in question had arrived. I asked the agency to complete my request in a way in which I can understand. For good measure, I asked that EOS CCA prove that they're licensed in my state. The agency were requested to provide their license number to me. In the end, my letter instructed EOS CCA to ONLY contact me through the United States mail. On XX/XX/XXXX I received in the mail EOS CCA 's response to my validation of debt letter. I have enclosed the agency document for your review. Altogether, my requests were completely disregarded. In the final analysis, the response shows no details of how the alleged amount was calculated. The agency proceeded to ignore my request. EOS CCA contacted me XX/XX/XXXX through my cell phone number. They demanded my social security number in order to verify me which I was not comfortable giving them. The rep insisted there was no other way to verify me and as a result their was no just reason to respect the cease and desist?. In brief, my work number was never provided to them by myself and XXXX XXXX never had my work number. The representative made mention that in their notes they were well aware of my cease and desist. They still contacted me through my work/cell number after I stated only by mail. I have been given no reason to trust this agency especially with such personal information. All things considered, EOS CCA has violated my rights over and over again. Given these points, I am enlisting the help of CFPB that EOS CCA agency CEASE & DESIST immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Citicards has committed a fraudulent purchased on my credit card that i just received without even had a chance to activate. Now they send me to a dept collection bureau and damage my credit. I tried to tell them i never used the card. They refused to clear me of the dept and did not agree to clear my name off the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: NY

Complaint narrative:
Accounts on my credit report are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX. 
My friend has sent me {$1.00} XXXX which she used for validating ) and {$500.00} using XXXX to my Savings account which has been already closed and the account is linked to my old mobile number which was not in use. 
However, I received message from Bofa saying that {$1.00} has been credited with confirmation number # XXXX so she has sent the {$500.00} as well. 
But, it was never credited to my account because the account itself not exists ( which makes sense ). As well it never went back to senders account. 

XXXX XXXX. 
After many discussions with Bofa customer care center, we filed a claim expecting that money will be refunded back. 
But, on this day we got a letter saying, " We have completed our investigation of claim, our records indicates that we initiated the transfer in accordance with your instructions. As a courtesy, we attempted to work with the other party we were unsuccessful at contacting the recipient and your account will not be credited '' When account is not linked to my new mobile number and there is no account at all how can I receive a Confirmation from Bofa saying that money was credit successfully which made us make large amount transaction. This is a complete technical glitch from Bofa and they don't have an answer for this. 

XXXX XXXX. 
On this day I went to bank and speak to Bank Relationship manager, he made me to call customer care which I have already tried so many times and they were helpless and asked us to contact an attorney to get the permission to see who received those funds. 

XXXX XXXX. 
Today I again went to bank and speak to Bank Relationship manager, he called to customer executive and described the situation again they suggested to raise a claim. 
And as he said, we contacted customer care to raise a claim and they were asking us to contact an attorney. 

I am not really sure why should I contact an attorney for the account which has been closed and the mobile number as well not in use. 

So, please do the needful.

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 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: DE

Complaint narrative:
In XX/XX/XXXX, I left XXXX XXXX XXXX carrier and thought that I would get better value with XXXX. When I came to XXXX I bought my XXXX XXXX to be activated. I did not like the service so I went back to XXXX XXXX XXXX. 

The telephone number I have owned since XXXX. It was explained that I would get a final bill and that would finalize account XXXX account ( XXXX ). I got the bill approximately 2 weeks later and paid in full. This account I was told was associated with XXXX XXXX XXXX. 

Every few months I would get a small bill that would still be due. I pay it and stills 8 months later another balance due, the way it is explained is that I don't pay by the next billing cycle on a close account which I was told was ( XXXX. 

On XX/XX/XXXX, I got another bill for {$370.00}. I called them again asking them t explain why did a balance due for {$370.00}. No one really gave me a satisfying answer. 

I paid the account not knowing at that time they were transferring the balances all along from a XXXX XXXX XXXX XXXX Account XXXX XXXX ) to me. The amount of {$21.00} as of XX/XX/XXXX, which they explained that its residual fees form my closed account ( XXXX ). 

XXXX said that Diversified Consultants are the ones collecting on the account and that I had to report and register a fraud investigation with them. I asked that this be removed off my credit file as of XX/XX/XXXX it is reporting that I owe {$370.00}. Diversified credit said is because I owe the XXXX and if I paid that they would remove. 

They are refusing to refund any monies ( XXXX and Diversified Consultant ) or take it off my credit file overthought they told me the balance was associated with XXXX XXXX XXXX XXXX not anything to do with XXXX as they originally told me. 

If I had not went into the store on XX/XX/XXXX, i would not have known that they were transferring someone-else balance to me and making me liable for it My resolution that I an seeking is to be refund all monies paid and delete this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
My loan account with BMW Financial Services is past due for the months of XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX payment coming due on XX/XX/XXXX. A payment in the amount of {$300.00} was returned, the account it was scheduled to be drawn from was closed by XXXX XXXX, I received an email today on XX/XX/XXXX from the bank stating so and thus why payment was returned. XXXX XXXX is sending me a check for remaining funds which I will sign over to BMWF for payment on the account. I do not know the exact amount as of yet, I do not have access to account due to closure. Further, I am expecting a settlement check from Wells Fargo for a total amount of {$5100.00}, I have attached a screen shot of an email from an XXXX XXXX with XXXX XXXX detailing this information. The settlement amount is {$3700.00} and taxes are included for the total amount of {$5100.00}, this check will also be signed over to BMWF for payment and I was provided an address to send to via message on BMWF site. The estimated time frame I will receive check is by XX/XX/XXXX according to the email, I will continue to make payments via bill pay through my XXXX  account, I will try to cover the XX/XX/XXXX payment by XX/XX/XXXX but can not make any promises or guarantees. I am still without a phone to call BMWF directly, I do not know if it was noted or not about this, I did mention this fact in prior CFPB complaints. I request BMWF hold off on possible repossession, I will overnight the payments in order for them to post more quickly, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been placed on a write in only status and the company refuses to allow me to call, view obtain or dispute information about my credit file.

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 2019-07-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received mail from Citibank on XX/XX/2019 dated XX/XX/2019 welcoming me to my new checking account with Citibank. On that same day, I received bounced checks and several other pieces of mail regarding this FRAUDULENT account opened in my name with my SS # and address. I immediately phoned Citibank ( XXXX ) and reported that the account was fraudulent and was told that the account would be closed and the Credit companies contacted to report it was a fraudulent account. I requested a letter confirming this and was told I would be sent one ( I did not get the name of the agent ). I was told they would transfer me to the Identity Theft Department and when I got on the line with that dept. they would not answer any of my questions but rather told me that they are offering me a service to fix my identity theft ( XXXX ). I ended that call because I wanted to speak to someone who would tell me how this person succeeded to open this account ( ie. what information about me did this person have? XXXX. I phoned Identity Theft Solutions Dept ( XXXX ) again the next day and requested to speak to a Manager. I spoke with XXXX, and told him that I wanted to know how this person opened this account and what information did they provide about me other than name, SS # and address. He told me that he could not provide that information and also told me that he understood my frustration and would have someone call me back to answer my questions. I phoned again on XX/XX/XXXX, asked for XXXX and was told he was not available and I left a message for a call back. I never received a call back from either XXXX or the person that would answer my questions. On XX/XX/XXXX, I received a letter from Citibank telling me that the change of address I requested on this FRAUDULENT account had been changed per my request. I phoned ( XXXX ) to find out if the account was closed, provided my SS # and the account number and was asked for my security password. I explained I did not have the security password because it is a FRAUDULENT account and the agent would not tell me if the account was closed because she could not " verify me ''. I have made 5 calls with long holdtimes to Citibank and have never received confirmation that this account has been closed, that it will be retracted from any credit reporting or to receive information about how this person verified they were me when opening the 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 2019-07-16 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: NY

Complaint narrative:
Account on my report are not mine, i have no knowledge of these accounts

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 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
I mailed a check on XX/XX/XXXX for a total of {$50000.00}, which included my monthly mortgage payment of {$1800.00} and an extra payment of {$48000.00}, which is the proceeds of the sale of my former home. This check was deposited by The Money Source ( TMS ) on XX/XX/XXXX ( see attachment ) and then backed out of my account on XX/XX/XXXX, when my account was transferred to my new loan servicer, XXXX. I was not informed that my payment would be backed out of my account, the payment has not been transferred to my new account at XXXX, and I no one has been able to tell me when ( or even if ) the money will be either transferred to my new loan servicer or sent back to me. Below is a timeline of events with evidence attached to this complaint as available. 

XX/XX/XXXX - Check deposited by TMS ( cancelled check attached ) XX/XX/XXXX - funds backed out of my account ( account activity attached ) XXXX - I called TMS customer service and asked for an explanation and update as to when the money would be sent to XXXX. I was promised a phone call by XXXX XXXX - I called for an update since first representative never got back to me, was promised a phone call by XXXX XX/XX/XXXX - I called again for an update as XXXX rep never got back to me, was promised a phone call XX/XX/XXXX XX/XX/XXXX - I called again for an update, as XX/XX/XXXX rep never got back to me, was not able to get one, spoke briefly with XXXX -- Supervisor. He has promised me a phone call ( with or without update ) on XX/XX/XXXX XX/XX/XXXX - I emailed XXXX XXXX - VP of Customer Experience - with full explanation. On XX/XX/XXXX She says she will hopefully get back to me by XX/XX/XXXX. ( email exchange attached ) XX/XX/XXXX - Called a rep ( from XX/XX/XXXX call ) who had given me their extension. No answer and no call back, I left a messages requesting a call back with or without an update. XXXX - Supervisor - who promised to call me today did not call. 

At this point, TMS is costing me money by holding the payment, both from PMI that could be removed from my loan and in interest earned on the balance on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: AZ

Complaint narrative:
Re : Formal Compliant Against Experian To whom it may Concern : I am writing a formal compliant against Experian. My Compliant is that they have failed to removed a negative reporting off my credit file. The initial Certified letter to Experian was sent on XXXX.XXXX.19,  disputing the inaccurate reporting, along with a correspondence letter from XXXX on XXXX.XXXX.19, which states there are no delinquencies reported in the credit history of the account in reference. After submitting this information to Experian they are still stating that discrepancies are still accurate, which does not line up to what the Original Creditor Verified in there previous letter.

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 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX I made one {$500.00} credit card load transaction to my American Express Serve account. On XXXX I saw that two {$500.00} charges from American Express Serve were charged to my credit card account. I called Serve and explained this to the customer rep but he said that only one {$500.00} transaction was done to my Serve account and to dispute the second charge with my credit card company. I did just that and received {$500.00} back to my credit card on XXXX. On XXXX Serve did a credit card load reversal on my American Express Serve account balance essentially taking {$500.00} from my Serve account. I called Serve and they told me that it was because my credit card company reversed the {$500.00} charge from XXXX. I again explained that Serve had charged my credit card twice for the same transaction. The customer rep stated that there was nothing else they could do. They were unwilling to escalate the matter. I contacted the dispute specialist who handled the credit card dispute for the credit card company and she said that they were not supposed to do that but were supposed to deal with the credit card company. She started the second claim on the second {$500.00} charge on XXXX since the original charge was " XXXX  out ''. Unfortunately I have been unable to get a resolution from my credit card company. They seem to be confused thinking the matter was settled when they gave me the first {$500.00} credit back to my credit card and closed the dispute in my favor. I am currently getting the runaround from my credit card company on trying to recoup my other {$500.00} that American Express Serve charged me. I am still out {$500.00} because American Express Serve wrongfully deducted {$500.00} from my Serve account balance because they didn't want to deal with my credit card company for the double charge they did on XXXX. In XXXX American Express Serve removed the ability to add funds to my Serve account effectively making my Serve account useless. I closed my Serve account on XXXX to avoid any fees because I was unable to do my direct deposit because they removed the add funds feature of my account. These actions are unacceptable and American Express Serve should do the right thing and refund my {$500.00} that they wrongfully took out of my Serve account because they didn't want to deal with the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: MA

Complaint narrative:
XXXX has committed a fraudulent purchased on my credit card that i just received without even had a chance to activate. Now they send me to a dept collection bureau and damage my credit. I tried to tell them i never used the card. They refused to clear me of the dept and did not agree to clear my name off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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 — Overcharged for something you did purchase with the card
Company: KEYCORP
State: MI

Complaint narrative:
Back around XX/XX/2019 I called in and spoke with a KeyBank, the primary subsidiary of KeyCorp 's agent about my bill due to KeyBank sending me several letters about incorrect posting of fees and charges on my account that they'd supposedly corrected. However, during this call of over 1 hour with the agent we both realized in calculating all my purchases, accessed interest, and payments the amount was not equaling to what the agent calculated or myself. The balance remaining was {$100.00} 's over what the balance should have been. So the gentleman gave me the Executive Department 's contact. When I contacted this department I provided them number for number exactly what the original agent and myself had came up with and how based upon the payments, interests, and purchases made. I was assigned an executive agent XXXX XXXX whom at this point XX/XX/2019 has failed to meet 2 or 3 of our scheduled appointments to discuss their findings and who has demonstrated a constant disregard of this matter and ethics in following up and following through to address this issue. I have continued to pay on the card in fear of them messing up my credit again and needing to wait months and moths later for corrections. 

I have called over the last 4 or 5 months leaving her detailed messages, complaining to the executive department for reassignment to a more responsible agent, and even filing with them a formal complaint on XXXX XXXX. I spoke to her in between those 4-5 months explaining that we needed to schedule some time to talk about the specifics but that I would need to have my notes handy. But, she's intentionally missed our appointment and call me after hours that I've told her I am not available. Her work ethics need to be seriously looked into and she needs to be held accountable. Because even if their agent and myself got the figures inaccurate XXXX XXXX should be able to explain their findings in a reasonable time. It took her about 2 months to even resolve their findings and I've been waiting since then to discuss the specifics. Granted I did need to reschedule our initial appointment, but every time thereafter I have been available and she's not called or left any messages during our schedule appointments.

Company response to consumer: Closed with monetary relief