vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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:
Bank of America unemployment account on my debit card ending in XXXX was hacked and drained of all its money last year.i noticed unauthorized charges on his account in XXXX and called Bank of Americas customer service to report the fraudulent charges.bank of America froze the account, leaving me to be unable to access the remaining funds I had. I went through the recent purchases and activities on my account and found varies addresses where purchases were made and in other states within one day.After disputing with bank of America claims dept t inhey eventually unfroze my account but the y returned the entire balance back to Californias unemployment department.its been 6 months since this happened yet bank of America has not taken any action to reimburse the stolen funds. Even after I filed an identity theft affidavit with ftc.last but not least I've just recently received mail stating that bank of America has closed my debit card

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 2021-05-10 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: TN

Complaint narrative:
I viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact Equifax about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX Auto XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct  information please investigate this thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a formal complaint against Sheffield Financial Corp located in XXXX, NC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Sheffield Financial Corp has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I signed a legal contract to purchase a truck for my company. XXXX, whom is owned by Capital One was used for the money transaction. Capital One has comitted a Regulation E violation on me. At no time was I told the bank I used was not protecting me. On XX/XX/2021 I sent {$2500.00} as a deposit and got on a plane to California to pick up my new truck. Upon arrival the truck and the man I purchased the truck from ( not full purchase only deposit per contract XXXX were no where to be found. I instantly called Capital One and told them to cancel payment and file fraud/scam at which time I was sent to someone who took down the information and said it would be resoved within 30 days. Since then I have called every other day and gotten a different story each day. Recently I was told I would more than likely not get my money back because I used XXXX? XXXX is owned by my bank. IF Capital One has no desire to protect thier customers and only aid to scammers they should not be allowed to be insured, nor authorized. There are NO indicators that I would not be covered. The only reason I chose to use XXXX was because it was from my bank and co-owned by my bank. This is a classic violation. They have done NOTHING but send me in circles and give me the run around without an appropriate resolution, response or even a simple I am so sorry this happend to you. I have been a faithful customer of XXXX XXXX for years, and once this is resolved I will never allow them to handle my business matters or money ever again. I am an independent company that relies on dedication and I have been tossed to the curb. I have lost more money trying to get my money than the law should allow. And this is WITH a legal contract. Capital One is assisting scammers to commit fraud and need to be held accountable for their actions. I will not stop until they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please update all of my personal information on XXXX, Transunion and XXXX.There are forms of my name and addresses that should not appear on my credit report. 

My only name is XXXX XXXX. 
My only address is XXXX XXXX XXXX. XXXX XXXX, OH 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 2021-05-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX/XXXX/2021 I mailed a letter requesting an investigation about questionable items on my credit report. It has been almost two months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute to XXXX on XX/XX/2021. I never got a response of results or the investigation. I have attached the letter that was sent.

I sent a dispute to Equifax on XX/XX/2021. I never got a response of results or the investigation. I have attached the letter that was sent.

I sent a dispute to XXXX on XX/XX/2021. I never got a response of results or the investigation. I have attached the letter that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: WA

Complaint narrative:
Incident : - A credit card was stolen from the home mailbox in the afternoon of XX/XX/2021. The police report number is XXXX. See the attachment reportXXXX. 
- Unauthorized charges were made between XX/XX/2021 and XX/XX/2021 at multiple local retail stores. Total amount of the unauthorized charges is {$1000.00}. 
Actions taken : - Contacted Chase Card Service and Fraud Department via phone on XX/XX/2021 and they opened the investigation. The bank has initiated the investigation. 
- Chase Fraud Department sent a secure online letter on the result of the investigation on XX/XX/2021 and the bank denied the recovery of unauthorized charges {$900.00} total. See attachment Chase_unauthorized transaction.pdf. 
- Contacted Chase Fraud Department via phone on XX/XX/2021 to contest, however, the bank denied the claim. Requested the account to be closed on XX/XX/2021. 
- Sent the copy of the police report via email on XX/XX/2021 to Chase Fraud Department and requested a written response of a new investigation. Bank has not responded after 72 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, AmSher Collection Services reported a collection account in the amount of {$320.00} to all National Consumer Credit Reporting Agencies/Companies. They failed to provide me with written notification about the debt prior to reporting it to the National Consumer Credit Reporting Agencies/Companies in order for me to confirm or dispute the validity of the debt. On XX/XX/2021, I made a final attempt to resolve this matter with AmSher Collection Services via a telephonic communication. However, their staff are not helpful at all. They demanded payment or else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

Complaint narrative:
XXXX XXXX placed a collection for {$5600.00} on ALL 3 Credit Bureaus ... Experian, XXXX, and XXXX. I became aware of this in XX/XX/XXXX. 

WHAT HAPPENED : ** On XXXX i saw XXXX was on my credit report. Never having received anything to do with this company nothing, I sent a letter. ( see attached ). 
** On XX/XX/XXXX = I was SUED by XXXX XXXX. ( Still, I had never heard of them or from them ). 
XXXX XXXX XX/XX/XXXX = I responded. 

-- -- - After waiting out XXXX continuances for documents.On day of courtXXXX is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. 

On XX/XX/XXXX = COURT DISMISSED XXXX XXXX case. CASE DISMISSED ... ( see document ) On XX/XX/XXXX = I write ALL 3 AGENCIES requesting they REMOVE XXXX XXXX  off my report AND THEY ARE REFUSING. 

PROBLEM : Experian and XXXX refuse to remove after receiving Court Ordered Dismissal. ************ Their reason to me= they continue to wait for XXXX XXXX response REQUESTING HELP FOR RIGHTS 1. I requested XXXX ; who I had never heard of get off my credit report. I was proactive and requested XXXX XXXX verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN 10 days later= IM SUED BY XXXX XXXX. 

2. XXXX XXXX continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed. 
THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE EXPERIAN, XXXX AND XXXX REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY 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 non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a 6-month membership with XXXX, payable in 3 installments ( {$91.00} each, {$270.00} total ). Before my third installment in XXXX, my credit card company had to lock my credit card because of an unrelated fraud charge. XXXX was not able to charge the third installment and instantly locked my account ( after two months ). I wanted to cancel my membership as well as my renewal, but since my account was locked, I couldnt do it. XXXX didnt give me access to my billing settings without paying the third installment. On XX/XX/XXXX, I received an email from XXXX, stating that my subscription had renewed for a 12-month membership plan, payable in 3 installments ( {$180.00} each, {$550.00} total ) on XX/XX/XXXX. I did NOT receive notifications prior to the renewal per the California Automatic Renewal Law. I now received an email on XX/XX/XXXX, from the National Service Bureau in XXXX, WA, informing me about a debt collection for XXXX with the assigned principal of {$550.00}. Again, I was not notified this would happen. If XXXX would have notified me prior to the renewal, I would have paid the {$91.00} remaining balance to cancel the renewal, even though I was not using their services anymore, but they did not contact me beforehand. I was also only able to use the service for two months instead of the agreed six months. I tried to contact XXXX but I can not find a phone number to call and talk to someone in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I am writing to request correction of the errors described below regarding the XX/XX/2019 mortgage payment on my property at XXXX XXXX XXXX, XXXX, NJ XXXX. 

I made my XX/XX/2019 mortgage payment on time. That payment cleared on XX/XX/2019. On XX/XX/2019, I received information to send my mortgage payments to Mr. Cooper. By that date, SETERUS, my former mortgage service, had already deducted funds from my account. 
See Attached A ( Copy of Check # XXXX ) The change in mortgage servicing was not disclosed to me prior to XX/XX/2019 when Mr. Cooper assumed my mortgage account. I wrote to Mr. Cooper in XX/XX/2019 and XX/XX/2019 informing that my XX/XX/2019 payment was sent and cleared by my previous mortgage service SETERUS. 
See Attached B.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I been using my credit card in past & always paid on time & always pay off balance on my credit card, TransUnion is not reflecting that & still shows a balance of {$940.00} out if my credit limit which is {$1000.00}, I have {$0.00} balance on my credit card all has been paid off, I made several on time payments for years, I have a perfect payment history, other 2 reporting agencies XXXX & XXXX are reporting accuratly, TransUnion is not & they dropped my score from XXXX down to XXXX & reports last payment back in XX/XX/2020, I talked with TransUnion on phone over a month ago & he said he would look into it but I never got a response back.

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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I have about a dozen transactions with Gemini crypto exchange since late XXXX where I was charged double fees. When you place an order it deducts from your entered dollar amount. Then when I look on my bank account I am being charged for the dollar amount PLUS the fee they already deducted in the order. 

They have ignored my email after months of waiting and I have repeatedly read getting the Financial Protection Bureau is the best bet to get a response. Please do anything you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Klarna AB
State: NV

Complaint narrative:
On XX/XX/2020, Klarna credit performed an unauthorized credit inquiry through XXXX using my SSN and identity information that showed up on my XXXX credit file. 

I called Klarna twice to attempt to rectify the dispute, to which they insisted that I am the one that made a purchase and accepted a delivery, of which I did neither. I do not use credit cards and I have subsequently frozen all three of my credit reporting agency accounts. 

Subsequently, Klarna has sent me multiple bills for item ( s ) that I did not purchase. 

I have reached out to Klarna and they insist that I ordered the merchandise, to which I have repeatedly informed them that I did not place an order, request credit, or accept delivery of any merchandise. 

This is/was identity theft and it is not my responsibility to pay the ( approximate ) {$2000.00} due. 

Again, I did not order anything, receive any merchandise, nor did I authorize a credit check for Klarna. 

Klarna 's telephone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
sls is the lender on my home on the 2nd deed. they have not responded to any of my inquiries as to why they are taking my overpayments and applying them to interest in the following month and not reducing it to my principal.

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 2021-05-10 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I initiated my complaint process with Chrysler Capital on XX/XX/2020, after reviewing my credit report and noticing errors with an old account. I sent a letter to Chrysler Capital via USPS Certified Mail requesting supporting documentation regarding the resale of a vehicle. I can confirm that the letter was received on XX/XX/2020, and was signed for by XXXX XXXX. I never received response to my request, so my next step was to dispute this account with the credit reporting agencies ( XXXX, XXXX, XXXX ) as it appeared to me that Chrysler Capital could not verify the requested information. The bureaus properly investigated, but the dispute came back as verified. Not only do they claim to have verified this account, but they have also increased the balance owed and changed the payment history without ever notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/21, I received a notice to pay or quit, this says it is an attempt to collect a debt because I have not paid rent. However, this document shows false information, misleading statements, and incorrect amounts. This notice is labeled as a Covid-related matter that is irrelevant to this matter. In addition, the document requires I sign a declaration and proof of service with a 15-day time frame, and failing to do so can result in eviction, fines, recovery fees, etc. I can provide legal proof with the creditable government documentation in regards to the actual facts behind the motive as to why I am being addressed, wrongfully evicted, and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a letter to Equifax and I asked them to verify how they got there information to list on my credit report. They sent me a letter stating that they got there information from XXXX consumer center. Therefore, I sent a letter to XXXX and upon them looking at my report they have removed this information that they were reporting wrong. I will attach the letter from them and I hope that you all will follow there lead. I hope that you don't send me a letter back claiming that you all got this information from pacer or the courts because I have also attached letters from them. I also attached the letter you all sent me claiming that you got your information from XXXX.

Company response to consumer: Closed with explanation