vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Good morning, My name is XXXX XXXX. I am filing a complaint with Citizens Bank. 

I filed a claim for {$4000.00} on XX/XX/XXXX for fraud. I lost money to a scam on a dog walking app via a check deposited into my account Citizens Bank did not detect as fraudulent. The claims department took ten days to investigate and sent me a letter on XX/XX/XXXX saying " Records indicate that you engaged and authorized the transactions '' and as a result they didn't credit me the {$4000.00} I lost to fraud. 

They also said that someone from the claims department was going to call me to further explain their decision. Someone called on XX/XX/XXXX via an unknown restricted number. I didn't pick up because it was an unknown number. They left a message asking me to call them back. I tried calling back but couldn't since it was restricted. 

I have called Citizens Bank customer service nearly every day since. Every time I call they say they'll escalate it to claims and someone from the claims to department will reach out in 2 business days. I asked if there was anyway I could reach out to claims and they said no since they were all working from home because of the pandemic. The only way to get in contact with them is for them to call me. It's been over two weeks an no one from claims has reached out!

Someone from the customer service department in claims even notified their manager to get claims to reached out and claims still hasn't done anything!! 

Background about the scam : I XXXX XXXX XXXX through an app called XXXX. A person named XXXX reached out to me on XX/XX/XXXX asking me to XXXX XXXX XXXX and to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Which I thought was kinda weird but figured was harmless cause its a XXXX XXXX app ). He was moving with his family from XXXX to XXXX which is where I live. He sent me a check of {$3900.00}. I kept {$80.00} of that for the money I would make XXXX XXXX XXXX. When it was deposited he texted me saying his wife found a better deal elsewhere where he got a 30 % discount on the dog food and to send the remaining {$3900.00} to a woman in XXXX Alabama. I did that and incurred a sending fee of {$120.00}. Then when that was sent to her he texted me saying something wasn't working on his end and emailed me a new check. I went to deposit it yesterday morning ( XX/XX/XXXX ) and my bank said it wasn't real and that the check deposited was fraudulent and I had fallen for a scam and lost {$4000.00}. Because the check was fraudulent ( and technically never existed ) {$4000.00} of MY money was taken out of my account and wired to the scammer in XXXX Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My complaint is about removing Unverified, and Inaccurate Information, off my credit report.The problem Im having is with XXXX  and Experian refusing to Update Correct & Accurate Information And choosing not to removed-incorrect information off my credit report. I sent a validation letter to all three credit bureaus along with Social Security card and Drivers license Too all 3-Credit Bureau XXXX XXXX, XXXX  and Experian After further investigation .XXXX remove this Creditor account XXXX  XXXX XXXX , from my credit report, as result of their investigation. After providing my Drivers license, Social Security and Proof of address for the last five years. Nonetheless, I also gave them A copy of my credit report showing the inconsistencies and inaccurate information of the SAME CREDITOR ( XXXX-XXXX  ) reporting. Why are each Credit bureau reporting different information if it came from the same creditor. ( XXXX  XXXX XXXX ) If the account was furnished by the same creditor XXXX XXXX XXXX why isnt the information the same across the board. I dont see why each credit bureau are reporting whatever they feel Epecially, when its coming from the same creditor XXXX XXXX XXXX.I dont believe XXXX  or Experians ever investigated this matter. If so what is the method of validation.Did they do they do diligence and request their original copy of the contract? If so where the proof did they request a copy of a wet signed contract? Did they even get in contact with the creditor? Its been over three months since I ask them to validate this account belongs to me. They have yet to provide me with proof of my signature on this contract I ask that this account be removed Immediately ( XXXX  XXXX XXXX-XXXX-XXXXXXXXX ) and updated with accurate information.Such as XXXX  removal due to their investigation. 

I would also like to take this time out thank you in advance for your time in this matter and look forward to your response. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
I received a letter from Medicredit dated XX/XX/2020 for the amount of {$1000.00}. In XX/XX/2020 I filed a complaint for this same amount from the same company, complaint # XXXX. The account number on the old notice is the same as one of the itemized bills included in this amount and the new notice is another account number but still one included in the amount. Medicredit is trying to collect again on the same account using a different account number. This issue was resolved with Medicredit, I should not be recieving a letter for collection on this same 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 2020-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I made a payment in XX/XX/XXXX in the amount of {$2800.00}. This lump sum payment was applied by Ally to cover my car payment until XX/XX/XXXX. I also applied for their covid relief deferred payment program after I was furloughed from my job. As a result, the due date for my next car payment was extended to XX/XX/XXXX. 

In XX/XX/XXXX, Ally placed a fee on my account for {$16.00}. On my online account, it says this payment was due on XX/XX/XXXX. After it wasn't paid, a {$15.00} late payment was added. I have contacted Ally 3 times since XXXX to have this corrected and removed. Each time, I was told that this error would be corrected. 

This incorrect missed payment of {$16.00} was reported and lowered my credit score. I paid my car payment up until XX/XX/XXXX. None of the representatives can explain why this {$16.00} payment was added to my account in XXXX and it is still showing on my account as a past due payment. My next car payment is due on XX/XX/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 monetary relief
Consumer complaint received 2020-12-16 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: NY

Complaint narrative:
The account in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, I was sick with XXXX and was unable to make the payment or call to defer the payment. As soon as I was able I did make the payment immediately. 

Along with that I had fee waived which means a financial accommodation was made for.. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies. If you fail to make the correction this may make you liable for willful negligence ( FCRA 1681 ).

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 2020-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Deinde Online Services, LLC
State: WI

Complaint narrative:
Called XXXX XXXX XXXX XXXX  day after day at my place of employment even when told to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 bank of America did a fraudulent charge a {$260.00}. Bank of America now has closed my account and will not investigate this ATM charge they're saying fraudulent on my part and therefore EDD has now closed my account and Bank of America has frozen my account I am XXXX  due to this.

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 2020-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had Trying Fixing this problem with bank of America numerous times.The problem is still there showing late payment XX/XX/2019 which was error from BOA they even waived the late fee because auto payment system error. I have Secure card with BOA suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.

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 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
this debt is result of identity theft I have not received any services from this company and this is in violation of the FCRA to display medical records for public viewing this debt is definitely a result of identity theft

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have had a HELOC with Wells Fargo Bank for @ 9 years. During that time I made all the required payments. I called the bank in XX/XX/XXXX requesting COVID forbearance.They placed the account in forbearance without explaining to me that at the end of forbearance I would not be simply reinstated, but I would have to REAPPLY for the loan. Not one comment was made about the process. They requested numerous and detailed documentation of income and financial status which I supplied. In the end they decided not to grant me the loan because my income has declined ( I am XXXX, work as XXXX  3 days a week in a practice I have owned since XXXX and my wife had to retire due to COVID ). My complaint is that I WAS NOT INFORMED that I could be denied credit if my financial status had changed. I thought they would simply reinstate the loan. I would have not entered into forbearance had I known! Needless to say I am very angry. I spoke with upper management and they just said that this was a new policy with the bank and there was nothing that they could do. Im sure the bank is protected in the small print of the HELOC contract but I should have been told UP FRONT IN PLAIN ENGLISH what was going to happen. Hope you can help. 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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
My mortgage was transferred from The Money Source Inc. to XXXX XXXX on XX/XX/2020. 

Prior to this I made two payments to The Money Source Inc. : {$50.00} on XX/XX/2020 and {$2500.00} on XX/XX/2020. The Money Source Inc. never applied these payments to my loan, and transferred the full outstanding balance to the new servicer. 

I reached out to The Money Source Inc. over the phone on XX/XX/2020 and was guaranteed they would resolve this by XX/XX/2020. I called on XX/XX/2020 and was guaranteed a call-back the same day from a supervisor. I called on XX/XX/2020 and was hung up on. 

I have been accruing interest on this unapplied payment since XX/XX/2020, and had to pay the new servicer so I would not be in arrears. They still have not provided me my funds, nor provided information on resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I attempted to send money via XXXX. I was notified by the recipient they had not received the funds. I called XXXX and was told to download a security app and then various transactions began to come out of my account. I thought I was working with XXXX and it was a scammer. I contacted my bank immediately with the assistance of my daughter and granddaughter to file a claim. Now, the bank is stating I owe because the thieves provided documentation I authorized, which is fraudulent. 
Later I was notified I lost my job and someone filed unemployment benefits in my name. Now, I have to review my entire life to repair it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I am now being harrassed & receiving correspondence through mail from this company after it was removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Effective XX/XX/XXXX my mortgage company XXXX XXXX XXXX XXXX was purchased by LoanCare , LLC. With XXXX XXXX my due date was the XXXX of every month and considered late after the XXXX of each month. In XXXX & XXXX of XXXX I was charged fees for late payment, however both payments were made and posted before the XXXX of each month. I recently heard through an employee of FDIC that mortgage companies can not assess those type of fees on assumed loans with out the proper notification to the home owner. 
So, I reached out to my " new '' mortgage company XX/XX/XXXX requesting a refund of the {$15.00} assessed late fees ( {$5.00} in XXXX & {$10.00} in XXXX XXXX. 
In response to my complaint I received an emailed copy of their payment fee schedule they took from their website showing the following information : On or before your due date No fee 1-4 days after due date No fee 5-9 days after due date {$5.00} 10 days or more after due date {$10.00} Over the automated system is {$12.00} at any time. 
All loan payments made with a live agent will be assessed a {$15.00} fee regardless of the date of payment. 

In the original paperwork I received about the transfer of mortgage companies there was nothing highlighted or printed in bold describing the change to my new mortgage payment schedule nor did I sign any document showing I was aware of the LoanCare 's payment fee policy. I feel this company 's practices are both deceptive and unfair. They clearly did not address my refund request and overall I feel taken advantage of by LoanCare , LLC. I understand that it is only {$15.00} but I can't imagine how much money they have made by taking advantage of former XXXX XXXX customers who didn't speak out about this deceptive practice.

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 2020-12-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : Experian, XXXX  & XXXX, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a situation here since XXXX I have reported to credit bureaus including authorities that XXXX XXXX XXXX XXXX XXXX California XXXX is an unknown address in other words I'm not a resident of that address. Even though I have alerts, place address as unknown, I receive confirmation that this will be taken care of. Since XXXX I notified authorities if they see anything unknown or anyone calling in, or using my identity or accounts in anyway take action immediately. To no avail XXXX XXXX, XXXX, etc someone has altered my name, using including middle initials, addresses using my identity, it goes, stays on my identity, even when authorities can see that all kinds of names with XXXX or altered, unknown address, accounts, activities that are not mine credit bureaus, XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX is not responding, gee I wonder why the real person with the real identity is reaching out for help that someone is using my identity, personal information at their address, no is responding. Why would it be so unusual for them to not respond. You would they would contact authorities or walk into room after room at XXXX XXXX XXXX XXXX XXXX California XXXX, ask this imposter to seriously prove if they are me. I gave a XXXX XXXX staff ( at XXXX XXXX XXXX in XX/XX/XXXX, never looked back ) a hug, entered cab, said thank you, that's it. How is this connected to Capital One, my credit report, XXXX XXXX XXXX XXXX XXXX California XXXX I am told by authorities that Capital One is more authority, this so called person pretending to be XXXX XXXX XXXX is pretending, reporting to be me. No matter where I live for example Maryland Capital one, this person ( And yes I have to have all the other altered names ( deleted, places I've never been ) ( because this these persons used my personal identity, other addresses, I am constantly to authorities since XXXX that someone is using, accessing, my personal information. I am a Victim ) Capital One I'm told, this person from XXXX, XXXX, almost XXXX has only known, reporting, primary address you name it even when I had no card, no access online this is the primary address which is taking over my identity as primary. I say I'm not a resident to this unknown address from XXXX to XXXX almost XXXX credit bureaus say I have no authority. That Capital One, this person overrules this as my address. You see something unfamiliar you report it correct, gov, agencies assist to remove an unidentified address. I could be in Maryland as an example but this is the only as recognized, that is the only address they will use to identity me. Authorities will only identity me with this unknown address saying I'm a resident to this unknown address. This is truly messed up.

Company response to consumer: Closed with explanation