vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-17 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received an American Express prepaid debit card of {$25.00} in early XXXX. The card clearly shows on the face an expiration date of XX/XX/XXXX. I assumed this meant the card would be good until XXXX of XXXX. 

However, I discovered on XX/XX/XXXX that the balance had been depleted as a result of recurring monthly fees of {$3.00}. 

I contacted American Express immediately upon discovery of the missing funds and explained the situation to them. The representative who answered the phone ( XXXX ) first " investigated '' the situation, located my account, and explained that the card was designed to charge a {$3.00} beginning 13 months after activation ( or mid-XXXX  ). Later, she " investigated '' again and this time found the card was designed to charge the fee beginning six months after activation ( or late XXXX ). I explained to XXXX that the clearly printed expiration date on the front of the cards was deceptive and had deceived and harmed me. She indicated multiple times that the company would not do anything to remedy the situation. 

I have been harmed by American Express ' representation of the expiration date on the face of the card. They have clearly printed and communicated that the debit card funds would be active until XX/XX/XXXX, but in reality the program limited ANY card benefit to mid-XXXX -- fully seven years prior to the stated expiration date! I consider that misleading piece of information both deceptive and unfair. I believe American Express has engaged in a deceptive business practice. I want to be made whole, and I want American Express to cease this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Per FTC sec 609 companies are not validating my credit account, they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Per FTC sec 609 companies are not validating my credit account, they are simply verifying my information.

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 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On today XX/XX/2020 I received a letter from Portfolio Associates Recovery , LLC alleging that I owe {$820.00} to XXXX XXXX  ( XXXX is the supposed Merchant ). I've NEVER had an account with XXXX XXXX, therefore I don't owe anything. Portolio Associates Recovery, LLC has not provided proof that they are authorized to collected this alleged debt or documentation that bears my signature. This debt claim is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I signed up for an offer from BMO Bank to earn a {$400.00} Checking account bonus + a {$200.00} Money Market bonus + and a {$100.00} bonus for doing both. That checking account bonus was paid XX/XX/XXXX. The Money Market and combined bonus has not been paid and it has been 177 days, well past the required time. 

I opened a Platinum Money Market account and deposited {$10000.00} within 30 days of opening. 
I transferred the money temporarily to my checking account to be able to move it into the money market account. I could not transfer it directly into the account because my other bank requires micro deposits to verify the account. So I had to put it in the checking account for a few days and then I could open the Money market account. It was in there a short time and it seems clear to me what my intent was. 
My checking account shows I transferred {$8000.00} on XX/XX/XXXX to the money market, and the remaining {$2000.00} on XX/XX/XXXX. 
The {$10000.00} balance has been in the account 177 days as of XX/XX/XXXX. 

I have sent them a message through their website on XX/XX/XXXX and again on XX/XX/XXXX. They have not replied to either message. They did reply to earlier messages so I do not know why they are ignoring this. 

Below copied from their website ; Offer 1 was paid. Offers 2 and 3 were not paid.

3 offers to get up to a {$700.00} bonus!

Offer 1 - Get a {$400.00} bonus for completing the following activities with a new checking account in the first 120 days : BMO Harris Smart Advantage Checking Account {$25.00} min deposit Have a total of at least {$6000.00} in qualifying direct deposits. ( {$1500.00} a month ) 2 x $ 800 month XXXX XXXX in BMO Digital Banking and set up paperless statements. 
Make at least 10 qualifying electronic transactions. ( debits ) BMO Harris Smart Advantage Checking Account no monthly fee with paperless ( estatements ). pay bills, transfer money, view statements, and more with free BMO Digital Banking6 {$5.00} for each Money Order, {$10.00} for each Cashiers check, {$30.00} outgoing domestic wire transfer Offer 2 - Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.

Platinum Money Market account Offer 3 - Get a {$100.00} bonus just for opening a checking account and a Platinum Money Market account! ( this gets deposited into your checking account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My bill was reported incorrectly 30 days past the due date in XXXX of 2019.

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 2020-01-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was a victim of predatory lending from J.P. Morgan Chase in XX/XX/2010. At that time, I was owner of the property located at XXXX XXXX, XXXX XXXX XXXX XXXX. The property value was {$640000.00}. However J.P. Morgan Chase foreclosed my property in XX/XX/2010. They never pay me the line of credit {$150000.00} which attached on the property as equity. In the past, I already brought my compliant to CFPB regarding J.P. Morgan Chase predatory activities by asking them the rest equity on this subject property ( see attached estimated value ). However J.P. Morgan Chase never contacted me after I contacted their specialist. The difference between the selling price {$390000.00} ( in XX/XX/2010) and market value {$640000.00} is {$250000.00}. Therefore I am asking J.P. Morgan Chase to pay me {$250000.00} difference when they foreclosed my property as {$390000.00} in XX/XX/2010. Predatory lending means the lender constantly ask unemployed, elder home owner to refinance to finally take their property away. As U.S. government know, I was fully qualify XXXX  job and was seeking job all the time. However due to employment discrimination and unfair hiring practice caused predatory lending, my property in XXXX XXXX XXXX  was take away by J.P. Morgan Chase in XX/XX/2010 at the price of {$390000.00}. I was fighting with Chase to the court, however XXXX XXXX court choose to give the property to J.P. Morgan Chase. During my employment matter with XXXX in the past 10 years after I move out of XXXX XXXX, I was harassed and threatened on the daily basis not to pay the debt by State of XXXX. Accordingly I am asking the rest of equity of {$250000.00} of this subject property since J.P. Morgan Chase took it away. Please do NOT owe me a penny. You took my property away, you should pay fair market value {$640000.00} not {$390000.00}. The difference is {$250000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am unable to secure my account Iam not able to check often for unauthorized charges and report them timely as all other are encoraged to do to PROTECT their accounts USAA IS NO ACCESS for my XXXX I HAVE NO PROTECTION AND NO ACCESS XXXX NEED BANK ACCESS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. XXXX  is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I logged into my Experian account today to obtain a copy of my 3 bureau credit report. I saw a lot of information on there that does not belong to me. Information I have no knowledge from where it came from. I don't know any of these companies and i have never received any form of goods or services from them. My personal information was used without my permission or knowledge. I am a victim of identity theft and I am taking steps to protect my identity and prevent this from happening again by filing this police report. This is the fraudulent information listen in my credit report ; It ranges from Fraudulent Closed Accounts to Fraudulent Collection Account, Fraudulent Inquiries and Fraudulent Addresses : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
A checking account was opened XX/XX/XXXX for a Living Testamentary Trust to care for a person during his lifetime. At his death the remainder of the Testamentary Trust was to be returned to the Living Trust. This person died on XX/XX/XXXX. There was a balance of {$15000.00} at the date of death. This money remained in the account until the estate was settled. Upon contacting the bank on XX/XX/XXXX I was told that the account had been closed as it was overdrawn. The funds were slowly depleted fraudulently from XX/XX/XXXX through XX/XX/XXXX until the Bank closed the account for being overdrawn. The fraudulent withdrawals were debit card purchases and ACH charges. The Bank has refunded the {$660.00} of debit card purchases. We were told that there will be a check coming for {$3400.00} from one of the ACH charges, but it hasn't arrived. There are {$4200.00} XXXX charges that were denied. I have contacted XXXX and was told it was over two years old so they denied responsibility and that we should file a police report. The rest of the charges are " pending ''. I have contacted the bank on at least 14 occasions but never talk to the same person. There are three different claim numbers that have been provided to me, and at least four different departments involved. I feel the bank has not met it's fiduciary responsibility in this case and should pay the Trust the amount that was in the account at the date of death.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MS

Complaint narrative:
This company continues to contact me about debt they claim that I owe to XXXX XXXX. After numerous conversations and calls I have 2 different reference # s from XXXX XXXX stating I do not owe them money and my account is closed and in good standing. The error was on their part as they credited it to the wrong account. XXXX XXXX also stated that the creditors contacting me are not agencies that they work with and have never heard of them. They feel some of these companies are fraudulent. 

XXXX XXXX reference # 's stating that my account is in good standing with a XXXX   balance 1XX/XX/XXXX : XXXX XX/XX/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 2020-01-17 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the HIGHERED partial account number XXXX. Transunion is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opt out of overdraft protection for one-time debit card transactions and ATM transactions. on my debit card at Wells Fargo Bank in XXXX, Georgia location. My account has been working properly when I made a purchase at a retailer and did not have sufficient funds to pay. However, when I withdrew cash from an ATM, the bank allowed an overdraft to occur and created an overdraft fee. When I contacted Wells Fargo, they informed that it was the bank 's discrection whether to allow an overdraft at the ATM. I know under Regulation E it is very clear what " opt out '' means. 

The practice at Wells Fargo is incorrect in regards to ATM withdraws and not sufficient funds to cover the transaction. It appears this is a deceptive way to create fee income for their bank.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION
State: WI

Complaint narrative:
I fully completed the First Advantage form, " Request for Full File Disclosure, '' which required the inclusion of sensitive information and personally identifiable proof ofidentification documents. For security purposes, I mailed all required documents via US Postal Service on XX/XX/XXXX to : First Advantage Consumer Center Attn : Full File Disclosure XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/XXXX, I emailed First Advantage requesting the status of my request. On XX/XX/XXXX, I received the following reply : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello XXXX XXXX, Thank you for contacting First Advantage to check the status on your Full File Disclosure. We apologize for the delay, but our department never received the documents that you sent by US mail. In order to provide you with your Full File Disclosure in an expeditious manner we would like for you to provide a copy of your documents by email. 

Again, thank you for contacting First Advantage. 

First Advantage Consumer Advocacy Center ( XXXX XXXX First Advantage | O : XXXX F : XXXX XXXX Follow Us : XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As First Advantage should well know, documents containing sensitive, confidential, and personally identifiable information should absolutely never be transmitted using email. 

This may indicate First Advantage should not be trusted with the sensitive and confidential information they collect, store, and transmit. How are they handling this information? 

And with the excuse the gave me in above email, how many consumers unwittingly comply by sending sensitive documents such as passports, driver 's licenses, social security cards, military IDs, credit card and utility billing statements, property tax bills ( these are all sample documents requested by First Advantage ) through email? 

First Advantage should be investigated and audited as to their business practices and safeguarding of information.

Company response to consumer: Closed with explanation