vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: GA

Complaint narrative:
In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly. AR Resources currently reporting 5 accounts to my credit file, these accounts should not be on my credit file. 

AR Resources {$290.00} AR Resources {$660.00} AR Resources {$290.00} AR Resources {$270.00} AR Resources {$410.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information. 

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including license number.

In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my Chase Sapphire Reserve was fraudulently used in a series of transactions at a handful of online vendors including XXXX ( 6 transactions for a cumulative {$450.00} ) as well as XXXX XXXX XXXX XXXX ( one transaction for {$190.00} ) and a charge with XXXX  ( {$350.00} ). Cumulative fraudulent charges were {$990.00}. Chase notified me of the fraudulent XXXX 's charge and over the phone, I identified the series of transactions that were not my own. I was issued a new card and charges were removed from my account. 

On XX/XX/XXXX, Chase mailed a letter to me indicating their fraud department investigated the charges and concluded the {$450.00} of charges at XXXX were my own responsibility and restated the charges on my account. 

Over the course of the next couple of months, I repeatedly called Chase to dispute these charges. With COVID-19, most call centers were down and I was often taken in circles. On XX/XX/XXXX, I received another letter stating Chase was maintaining their position that the charges were valid and my responsibility. Please note, no background detail was provided as to why they found these charges my responsibility. 

Finally after another series of phone calls, a representative instructed me that the reasoning for Chase to restate the charges was because I had shopped at XXXX previously. I was instructed to fax a copy of my online XXXX history as proof that I had not shopped at XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed my online XXXX shopping history, which proved I had not purchased anything on XXXX since XX/XX/XXXX. 

On XX/XX/XXXX, they credited me {$12.00} of the total {$450.00} due to immateriality. After not hearing from Chase, I received a letter dated XX/XX/XXXX, stating that they reviewed and confirmed the fraudulent {$450.00} charges were my responsibility, would remain on my account, and the fraud claim was now closed. 

Overall, I found the lack of guidance and ability to provide personal customer service by representatives to be severely inadequate. I was never able to speak to the personnel reviewing the claim, nor was I able to receive a valid explanation as to why the fraudulent charges on my account were deemed my own responsibility. I was a victim of fraud and Chase failed to protect me as their customer. I found the entire process disheartening and devoid of rationale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
The account XXXX XXXX for {$190.00} was disputed and deleted on XX/XX/2020. It has now reappeared back in my report. This is illegal and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Capital 1 account is active and should have not been deleted from my credit history it was a current account in which I made monthly payments please restore my account info back to my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I learned that my information was sent to a collection agency from XXXXXXXX   while I was out on military leave. 
I have been trying to get a hold of " The Bureaus Inc '' to request them to send me verifiable information to prove that this account belongs to me. I have called XXXX/XXXX  and they told me that the account was sent to two different agencies : " XXXX XXXX '' & " The Bureaus '' they have different phone numbers. These two collection companies are constantly harassing my family members and friends. I need to have these collection companies to answer my request as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
Received unemployment payment on a debit card issued by the state of Georgia ( Way2Go Card ) even though when i filed my unemployment claim, i requested direct deposit. Received card and need to pay bills. Opted to use Way2Go bill pay services ( GO program bill pay ) to pay my XXXX  Visa Credit card. I selected XXXX MC/Visa and input my credit card account number. Received confirmation and with in few days, it was posted on the Way2Go app but not visible by my credit card bank. I called XXXX and confirmed that they did not see any pending payments. So It's confirmed that the payment was removed from my account but did not go to the proper recipient. I attempted to call Way2Go to attempt to resolve this and have the funds returned but they said they file a case and it will take anywhere from 45 - 90 days. This is a nightmare. That's a lot of money gone and the service I used that ultimately made the mistake is not remedying this appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Interstate Credit & Collection, Inc.
State: GA

Complaint narrative:
In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly. 

The following accounts should be removed from my credit file. 

1.Interstate Credit Collections {$780.00} 2.Interstate Credit Collections {$780.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information. 

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including license number. 

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today. 

In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In trying to establish a stock account with XXXX and XXXX, a deposit must be made. PNC will not allow these institutions to connect with my back account. This is not an available funds issue as I currently have over XXXX available. Any help to resolve this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HANCOCK WHITNEY BANK
State: AL

Complaint narrative:
Midsouth bank closed my account and only said I wasnt the kind of person they do business with and even though I offered to prove the legitimacy of any funds they didnt care. They gave me a cashiers check that they put a hold on later and have me with no money to my name. When I first went to the bank to ask why it was being closed I tried to record a conversation only to be threatened by the teller that they would call the police. I told them it wasnt right to treat customers that way and that I would let ppl know how wrong Ive been done and not to do business with them. In response they have now said I have threatened the teller and are using their power against me based on complete falsehoods. It is wrong to treat ppl like that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I did everything needed to prove that this was a result of fraud and not on my behalf and I was not alerted or notified of what transactions occurred. My phone was stolen as well as my email being hacked allowing authorization. I confronted the bank with these the minute it occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/2020 : During this Covid-19 Pandemic PHH Mortage Loan # XXXX has sent my loan to be foreclosured on, on my property XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX dispite XXXX. XXXX XXXX issued an executive order the suspension of foreclosures and evictions and dispite the CARES Act protection. For two months PHH would not allow me to make payments on my home and caused me to go into default and have piled on late fees and lawyers fees for months XXXX - XXXX during the Covid-19 pandemic. When I called XXXX XXXX office XXXX they were not able to give me what the reinstatement amount not were they able to tell me why my loan was sent to their office. They advised me to call back the servicer to get information as to what they reinstatement amount is and they could not tell me over the phone. I then called back the PHH and they advised that on XX/XX/2020 they sent my file to lawyer to be foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: U.S. BANCORP
State: NY

Complaint narrative:
This account has fraudulent charges/balances that were not incurred by me. 
This card was PAID OFF In full in 2014, and I requested closure of this card. However, it appears that the card was never closed, and there is a FRAUDULENT BALANCE OF {$8700.00} reporting on my credit, which is NOT MINE. I didn't charge {$8700.00} on this card, and didn't know that this balance existed, as it DOESNT BELONG TO ME. I've repeatedly contacted the US BANK and informed them that these charges are not mine and this account shouldn't be on my credit in charge off status. They insist that they will do an investigation, and yet NOTHING HAPPENS, and this account continues to ERRONEOUSLY REPORT ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have account with wells fargo for almost 20 years. suddenly i got a letter that Bank is going to terminate the business relationship. first they said it will be only wells trade investment accounts then they close my banking accounts without giving sufficient time. I am not able to do any deposit on my account and they said it will be closed in 30 days.my tax refunds are supposed to come to this account and all my bill pay are through this 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 2020-07-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: FL

Complaint narrative:
After several disputes finally received letter from XXXX XXXX without definition clear and lawful definition of payment in dissatisfaction. 

Disputed liability of alleged obligations as 15 U.S. Code 1692a3 natural consumer and 15 U.S. Code 1692a ( 4 ) original creditor having extended my 12 CFR 1002.2 ( j ) credit via 15 USC 1602 ( l ) social security 12 CFR 1002.2 ( a ) account number compelled against 42 U.S.C. 408a8 and Public law 93-579. ssn belongs to the SSA and anything obtained with the identifier number is a obligation of the United States 18 U.S.C. 8, UCC 9-307 ( h ). Anyone attempting to collect a debt from me obstructing commerce and in violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. 

Great Lakes, Department of Education, XXXX XXXX has 18 U.S.C. 241 ; 242 conspired to deprived me my right to credit and denied me satisfaction and accord of obligations per 18 U.S.C. 8 obligation of the United States, for satisfaction and accord and per 15 U.S.C. 1 illegal restraint of trade debt collectors refused to restore credit to good standing and has impaired my right to open-end credit. 

Art. 1 Sec. 10, No State shall enter into any Treaty, Alliance, or Confederation shall make any Thing but gold and silver Coin a Tender in Payment of Debts ...

All parties have said they will accept anything except lawful money, gold and silver for payment of debts, and all have neglected via 15 U.S. Code 1692e. false or misleading representations their fiduciary duty in the acts of Misfeasance, nonfeasance and malfeasance to settle the obligations for full acquittance and discharge without liability per 50 USC 4305b2 and has restraint my right of trade and is in breach of trust per 15 U.S.C. 1 whereby alleged obligations are rendered an obligation of the United States as per the supremacy clause- any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. 

I have disputed obligations several times with credit reporting bureaus, XXXX, XXXX   and XXXX who has conspired also to invalidate title 18 U.S.C. 8 obligation of the United States and hold my person liable for the obligations. 

My credit has been discriminated and I have been impaired from getting a home. This injury has been nerve wrecking and emotionally distressing without remedy. 

As original creditor/grantor/lessor of personal data, I reserve all rights to proceeds, titles, interest where my personal data valued at 100,000,000 dollars per entity, per year for misuse and negligence to settle obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been trying to link my account in different apps to save money and I cant, my account wont link to any of these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
On XX/XX/2020 I attempted a money transfer to XXXX, XXXX. via Money Gram Online Services through their app. 
I initially sent {$100.00} which was available immediately to her account, I then attempted to transfer {$2000.00} and was notified that the transaction was successful, however when the recipient tried to access said funds it was not debited to her account. 
on the next business day, Monday XXXX XX/XX/2020, said recipient went into her local bank and was told that the funds were not deposited to her account by MoneyGram, I  then cancelled the transaction and contacted MoneyGram and was told that they were aware of the situation and was subsequently given case # XXXX by agent XXXX, I was told by him that only first names were given to consumers. 
On XX/XX/2020 after checking my account on numerous occasions I called MoneyGram 's customer service enquiring about the refund, I was then told by the responding agent that it takes at least 90 days for such refunds to be made, I find this a bit hard to accept hence my complaint here seeking some assistance in said matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has continued to report inaccurate information on my credit report. I have two accounts that were discharged in bankruptcy and for the longest Equifax reported the accounts as opened with one account showing a {$57.00} balance and the other account showing a {$350.00} balance. After dispute after dispute equifax finally updated both accounts as " in bankruptcy '' and not " discharge in bankruptcy ''. They also continue to report both accounts as open accounts without showing a XXXX balance. I opened up a dispute on XX/XX/XXXX for equifax to update information or remove accounts from my credit report. I was told that I would have my results by XX/XX/XXXX. I noticed the accounts were still reporting on my credit report with the same information and also still showing in reinvestigation. I called Equifax to check the status and was told that I reopened an investigation on XX/XX/XXXX, so I wouldn't have any results until XX/XX/XXXX. That was a lie I never called or spoke with anyone from Equifax on XX/XX/XXXX. 
I was told that information by XXXX ( XXXX ) Id number XXXX XXXX office/officer of consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Target Red Card is holding payments that I have sent to them and that have cleared my bank. Today is XX/XX/2020 and there are payments that cleared my checking account on XXXX and XXXX XXXX that are not reflected in my available balance. The only way they will release the funds is to do a conference call with my bank which is unfair to me as a customer. I have a {$250.00} credit balance but only less than {$70.00} available credit. They have done this at least 3 times and I've only had the card since XXXX. They should not be allowed to hold payments for such a long time after a payment posts. It is unacceptable to need to do a conference call with my bank to be able to use the funds that they're holding hostage.

Company response to consumer: Closed with explanation