vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America was presented with a Court Order in the name of a Company other then the company name on our company bank account. The name of the company on the Court Order was similar to the company name on our bank account and the address is the same location as ours - which is a shared executive office space, there are hundreds of companies in this location. Bank of America did not request, receive or verify a Tax ID number for the company on the Court Order nor any ownership SSN or TAX ID information that matched the company information on our account or any of our owners. Instead Bank of America removed {$46000.00} and {$6800.00} from 2 of our company accounts on XX/XX/2018. When contacting Bank of America they continue to provided the case number for the matter on the court order, we logged in and verified that the court order was not in our company name, and when informing Bank of America of this, instructed us to call the attorney who presented the Court Order. They have also admitted and verified that they do not have any Tax ID or SSN information to verify the Court Order. Bank of America does not allow customers to speak to their legal department thus I went to our Branch and they had to simply call the legal department who told them the same thing. When asked to see Bank of America 's policy for verification of these types of court orders and the processing policies Bank of America refused to provide any information. These actions should have everyone concerned about their bank accounts with Bank of America - they are not safe when anyone can send a order in some other name to the bank and the bank gives them {$51000.00}. Attaching both the Court Order and a clip of our Bank of American Account statement for 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 2018-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I have repeatedly told this company this is NOT my debt. They keep telling me that this is all of my info and I keep telling them this is what happens when there is IDENTITY THEFT. They are rude, call numbers that should NOT, do not follow all of the laws of collections when they are advised of identity theft. I have advised them before and asked them if they would like a copy of my police report and I always receive a response but nothing to follow behind that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
I tried working with sunrise with no success. I ask for full documention on this debt which i do not owe and want this idem removed off if my XXXX 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 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XX/XX/2018 I noticed a garnishment on my paycheck in the amount of {$500.00}. My employers payroll department said that a collection agency had placed a garnishment on me for a total amount of {$2900.00}. After work that same day I went to the agency to find out what this was about. After looking my name up they could not find any garnishments so they looked up my social security number and it turns out they had placed my SSN. After determining that I was being wrongfully garnished they gave me a release of garnish paper and said that they would refund the money they took from me and that they would contact my employer to stop the garnishment immediately. On XX/XX/2018 I checked my next paycheck and noticed that the garnishment was not removed and they had taken another {$370.00} from my paycheck. This makes a total amount wrongfully taken from of {$880.00} so I called my payroll department and they informed that they had not received anything at all from Professional Finance Company stating to release the garnishment. At that moment I asked if I could email them release of garnish letter that I received two weeks ago. After work I went to talk to PFC to see why they had not notified my employer to stop the garnish. The so called agent behind the counter named XXXX said that they had talked to my employer earlier today. I asked for an explanation why they had not notified my employer to stop the garnish and all that person said was he did not know. When I asked if there is someone who could actually answer my questions he said " no there's no one. '' Then I asked to talked to someone above him, he brought out a lady that was also no help at all. She tried telling they had sent the notice by mail. I asked for when it had been sent and she could not or would not give me an answer. At this point that lady noticed I was recording them and had that XXXX guy tell me I could not record them. Then I mentioned that it is my constitutional right to record anywhere in public. After I said that lady walked way and the guy kept saying they don't consent to being recorded then refused to talk to me and walked way as well. This XXXX guy is in my opinion useless and incompetent and should be fired.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 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:
XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Trans Union declared the the information was verified an ( unnamed source ) verified the information.

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy, if this is not provided the bankruptcy must be deleted. Pursuant to FCRA this information must be provided within 15 calendar days, if Trans Union does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to TRANS UNION, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

It is without dispute FCRA requires the furnisher of the information must ( in this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX   DISTRICT OF FLORIDA, not a third-party agency to verify disputed information. 

Attached is the investigation results of the Trans Union report and a copy of this document. 

Regards, Mr. 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 2018-10-25 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: NJ

Complaint narrative:
My XXXX  student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct 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 2018-10-25 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: NJ

Complaint narrative:
My XXXX  student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: NJ

Complaint narrative:
My XXXX student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct 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 non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I have an account that was reported to my XXXX credit report by XXXX XXXX XXXX in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to Cascade capital and was re assigned to XXXX XXXX XXXX and reported to XXXX. I contacted XXXX XXXX XXXX today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I just noticed that they started a foreclosure action before 120 days. They did an illegal act against me as a consumer. M & T 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 monetary relief
Consumer complaint received 2018-10-25 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: CO

Complaint narrative:
Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX for several credit cards. This program was completed successfully by me in XXXX. 

My consumer report displays delinquent account data for only one creditor ( XXXX ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only XXXX. 

I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with XXXX several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. 

I personally contacted XXXX to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. 

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for XXXX, which has absolutely devastated my credit reports, and caused me severe financial harm. 

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.

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 2018-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I have been receiving phone calls from Cash Central USA since XX/XX/XXXX informing me that my application had been approved for up to {$10000.00}. I called them on XX/XX/XXXX to inquire about my application and agreed to take a loan out for {$3000.00}. One of the company 's loan officers, who identified himself at XXXX XXXX completed my application and told me that another loan officer, XXXX, who disperses the loans would be in contact with me. XXXX called me later in the evening and told me that because my credit score was not above 700 that I would have to go through another process to increase my score. This process would involve money being deposited into my account and I would have to go to XXXX the next morning to send the money back and then I would receive the entire loan amount. I'm skeptical because on my bank statement it says " Mobile deposit {$900.00} '' but no updated balance. I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
There is a debt collection on my credit report from Sw Credit systems inc stating that I Owe a Debt to Automobile XXXX XXXX XXXX XXXX which they state is a part of XXXX I have never had any communication are accounts with XXXX  are this XXXX XXXX XXXX XXXX XXXX  as I have never lived in California. I contacted Sw Credit Systems inc today XX/XX/XXXX about this alleged debt and the guy that I spoke to could not give me any information about the account the address he read to me was not even my address at the time they are reporting this account I asked him for more info I was informed they do not have anymore information about this account just my name and some address they thought was mine. They are fraudulently reporting this account to the credit bureau and refuse to verify are do anything to delete this account even though I proved this account is not mine. This account was opened supposedly inXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank. 
Checking Account. 

On or around XX/XX/XXXX, I was alerted that my Chase account was overdrawn. I quickly made a check deposit online for {$200.00} to resolve the negative balance. It was my indication that the check would post the following business day XX/XX/XXXX. 
On XX/XX/XXXX I made several purchases including my medication at XXXX. Come to find out Chase had put an 8 DAY hold on a check they already knew was good. As a result I was charged 3 {$34.00} NSF fees which resulted in my balance going negative. I called Chase and the hold on the check was released, I was told the hold SHOULD NOT have been placed. I sent Chase a message via their secure message service requesting a refund of the NSF fees, I was essentially told I don't " qualify '' for a refund. I've been a Chase customer since the 1980 's, I've deposited $ 10s of thousands of dollars to them. I've recently been the victim of a theft from my Chase accounts. All I'm asking for is a measly {$100.00} refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 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: CA

Complaint narrative:
While monitoring my credit reports I found several fraudulent inquiries on Trans Union, XXXX, and XXXX. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX CA. This is despite the fact at the time I had a valid XXXX account in my home in Washington, which had been active for years. Needless to say I no longer use XXXX. 

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted Trans Union, XXXX and XXXX to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX XXXX and one other creditor honored my request and removed the fraudulent inquiry. 

The majority of the fraudulent accounts were initiated with a XXXX CA address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case. 

Months later XXXX discontinued my service and claimed I owed them over {$900.00} for service in XXXX CA. I explained to them that I contacted their office in XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX correct this issue, I filed a complaint with the PA Attorney General. XXXX eventually apologized and removed the collection from my reports. 

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed. 

TRANS UNION fraudulent inquires : XXXX   XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 Please note, I currently have an active XXXX XXXX Card and an active XXXX XXXX Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

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 non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I called the Target Card Services department XXXX approximately 30 days ago in regards to getting a credit reporting issue resolved over the phone. I was told that they would work to resolve my issue and contact me by mail. This past week on XX/XX/XXXX at approximately XXXX ET, I called to see what the status of my issue was ; after reviewing my  account the customer service agent told me to send a letter to them explaining my request. After explaining to the rep that I had this conversation 30 days prior with an other agent and was told something completely different ; I asked him if he could see the notes on my account with that prior discussion. He told me " that there was no record of that conversation on the account ".

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations on the late payments between all the 3 major credit reporting agencies. 

XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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