vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My Bank of America account was closed because of Fraud bak in XX/XX/XXXX. I contacted their fraud department and they told me they would close the account but I would not be affected adversely. Later, I tried to open a business bank account but I was not able to because I had fraud on my XXXX XXXX report. I contacted both XXXX  XXXX  and Bank of America and I still have not been able to resolve this issue. I called Bank Of America on or around XX/XX/XXXX and I was hung up on twice. They just keep switching me between departments. I keep asking for verification or something that can be sent in the mail such as an affidavit stating that it was fraud but they have no detailed information on my account. Only that It was closed in XXXX. The sent me " verification in the past but even the verification absolved me of wrong doing because the signature on the forged check and my personal signature on Bank of America Paperwork are different. If they verified the information correctly it would have been manifest that the information should no be on my XXXX XXXX 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 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me. There is also a 30 day late payment listed for XXXX of 2019 on XXXX  and one for XX/XX/2019 on XXXX. This is not correct. According to the Fair Credit Reporting Act, everything on my credit report is supposed to be accurate and these inconsistent late payments are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: OH

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information whichcannot be verified or reported inaccurately. '' The law is noticeably clear as to the Civilliability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA. I demand the following accounts be verified ordeleted immediately : XXXX XXXX XXXX # XXXX, OHIO DEPT OF HUMAN SERVICES

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 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I told XXXX to cancel my automobile insurance, but the agent refused to do so. I did not make payments to them after I try to cancel, but they continued to charge me and now they have sold a debt I do not have to a collections agency. 

I have save copies of my email conversation with the insurance agent at XXXX. Please let me if you want to review them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NY

Complaint narrative:
I received a debt collection letter on Saturday, XX/XX/XXXX, from Afni, Inc dated XX/XX/XXXX. Afni, Inc alleges that I owe {$230.00} to XXXX XXXX XXXX. I paid {$230.00} directly to XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX via cashier 's check on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my fiance and I booked two roundtrip tickets XXXX on XXXX for XX/XX/XXXX through XX/XX/XXXX via Chase Ultimate Rewards Travel Portal totalling {$970.00} but paid with XXXX points. On XX/XX/XXXX, the airline unilaterally cancelled our flights and issued travel credits. After unsuccessful attempts requesting refunds from both parties, I submitted a DOT complaint on XX/XX/XXXX and both Chase and XXXX continue to deny our repeated requests despite the DOT regulations. Chase deflects to XXXX saying they are following the airline 's ( unlawful ) policy and XXXX deflects to Chase saying I must work with the travel agency regarding this booking. 

On a recent call with Chase Travel on XX/XX/XXXX, the representative stated that a supervisor will be reaching out to the airline directly to request a refund and that I would hear back via email. The following day, we received an email response from Chase detailing the conditions of use for the travel credit and nothing about the refund request. 
Due to the tickets having been purchased using points, I am unable to file a chargeback and am at the mercy of the OTA Chase Travel representing me against the airline. 

Lastly, on that same call with Chase Travel on XX/XX/XXXX, the representative revealed that XXXX and Chase are refunding customers on request for tickets booked after XX/XX/XXXX but consumers who booked earlier, even before major COVID disruptions began are left with only vouchers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Medical Administrators, Inc
State: KY

Complaint narrative:
I received a cahrge to my mastercard that I did not make. The card was was cancelled then reissued with a new number. The amount was {$110.00}. Today I get a bill from National Medical Administrators , Inc. XXXX XXXX XXXX XXXX GA XXXX. I made no such charge The bill says I can dispute the debt with them and they will obtain verification of the debt or copy of judgement and mail me a copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment reported for XXXX of 2019 and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Credit card company double charged for a product I purchased with the card. The purchase was made XX/XX/XXXX for {$640.00} and the same charge was duplicated on XX/XX/XXXX. I disputed the duplicate charge and the company continues to demand that I pay for the product twice. I contacted the company where I made the purchase and they claim they haven't been payed yet.

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 2021-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I paid the account as agreed upon I was instructed it will be updated on my credit file within 30 days as XXXX balance ... 3 months later & 2 credit dispute it's still showing a outstanding debt!!

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 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I wrote to kohls payment center with attachment checks that account was paid. during the beginning of COVID mail was not timely and I was having a hard time, I asked them to close my account I told them I would pay for a finance charge of not more than {$100.00} I also would not be paying late fees as it wasnt my fault my job was directly closed down because of COVID and also not my fault mail running slow if they were open at this time at all this company never lets you rest with the harassing phone calls they sent me letters that my account was paid then they call you telling you they have no record of your bill ever being paid so they have asked me to send all that I have proof account was paid in fax which I have already done that they acknowledged they still have not closed my account Ive asked since the beginning they have chosen to keep account open and continue adding late fees my account is past due of {$400.00} all late fees when payment of XXXX has already been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2020 I sent a dispute to all three credit bureaus to regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX  data breach and may have gotten 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 2021-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Lender bank of America has made a late payment entry for my auto loan, which is not fair because I was given misleading information by a customer representative when calling a ) for the first time post origination of the loan to set up automatic payments and make my first payment b ) when I realized a late payment appeared on my loan to resolve the issue being under the impression that it had been resolved. 
Regarding a ), I called to make my first payment in spring 2019 and overpayed as well as authorizing the agent to take future payments automatically from the same account. The agent on call ( a ) confirmed. However, the overpayment amount was not applied to the principal of the loan and automatic payments were never set up. Agent on call ( b ) did not understand the matter and just pointed out that I wouldnincur additionalmlate payment fees if any of the past payments were altered and applied as I the consumer had requested. 
This is misleading at best, potentially predatory and definitely does not encourage consumer trust.

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 2021-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY TRANSUNION 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 2021-01-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY XXXX  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 2021-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recovery One, LLC
State: FL

Complaint narrative:
I have disputed this debt with recovery one llc on XX/XX/XXXX. I requested a validation of the debt. I never received a response. I again sent a certified letter on XX/XX/XXXX. I did not receive a response again. I contacted all 3 credit bureaus with the dispute. It was removed from my XXXX  credit report. I sent another certified restricted letter to recovery one llc for debt validation on XX/XX/XXXX. I still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX ( Wells Fargo ) claims " COVID '' is the reason why I had not received my statements. Last year ( 2020 ) I only received statements from XXXX - XXXX, XXXX, XXXX, XXXX, XXXX and it stopped, then got XXXX, then it stopped, then got XXXX, and again it stopped. 

I have repetitiously called and called - the Reps always says " You are not enrolled in electronic paperless. '' and " due to COVID, it is taking our customers longer than usual to receive their bill. '' In addition, been advised to log in at the website to check in case if the bill had not arrived. PROBLEM? It will NOT allow me to log in! Even after their " New System '' requiring a new password created. I already did this ; and once that is complete, it loops back to the original position and will not recognize the new password I have created. I keep getting all these WAC errors - XXXX, XXXX, XXXX, XXXX, etc etc etc. 

NOW, trying to use the FORGOT PASSWORD - they are demanding a STUPID PHONE, I do not have a Smart Phone, I have a landline telephone. ANOTHER NEW PROBLEM? I am profoundly XXXX, I can not get the automated code from some stupid computer to input My landline is a XXXX. I live alone. THIS IS FLAT OUT DISCRIMINATION TOWARDS THE XXXX XXXX AND XXXX. 

Just made a call today, and I was slammed with a LATE FEE? Really? After I had called last month after XXXX ( XX/XX/2020 ), She told me to call if I didn't get a billing statement next month ( XXXX ) after the XXXX. So I went ahead and paid blindly {$100.00} ( while my normal minimum is {$30.00} a month ), and today JUST GOT TOLD THAT THE LATE FEE WAS STILL ATTACHED. AND THE MINIMUM HAD DOUBLED? 

I have NO PROBLEMS with other bills, they are all incoming just as normal as everything else ... BUT NOOOOOOOOOO THE REP IS SO OBSESSED AND FOCUSED ON COVID CAUSING PROBLEMS. 

This is a leeching mode to try to gain more of the customer 's monies and blaming it on COVID by not sending bills via USPS for the sole purpose of collecting additional fees and charges to make up for the LOSS of their Online and Offline stores! 

I have ZERO tolerance for this type of practice. There is absolutely no excuse why they can not mail a customer 's bill via USPS. My Balance is fine, they are just sucking up " late fees '' and " jacking up minimum payments '' in an illegal tactic.

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 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
One Main Financial ran my credit without authorization on XX/XX/XXXX and XXXX. They have admitted they did this in error but as far as I can determine nothing has been done to remove these authorized inquiries from my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been separated from my husband since 2018. I had to renovate an apartment for my young son and I with no financial aid from my husband. I have been using the Lowes credit services. I have not missed a payment for a year. The company applied all payments to the balance and not deferred interest. Therefore when the deferred interest hit, it took my payments from {$50.00} to {$300.00} a month. As a single mom working for a XXXX XXXX, I can not afford these payments. My husband refuses to help and is dragging out the divorce I filed for 2 years ago. Lowes refuses to assist me in a payment plan.

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 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
I received a collection letter from Convergent Outsourcing Inc of XXXX on a debt that has been paid. Their file number is XXXX They claim the collection was purchased from another company called XXXX XXXX XXXX. The debt stemmed from a credit card at XXXX XXXX XXXX, since purchased by XXXX. It is a settlement offer on a {$10000.00} debt for {$3800.00}. 

In XXXX, I was sued for the balance and it became a judgement in XXXX County Oregon, Case # XXXX. In XXXX of XXXX, I was contacted by a collection company regarding this judgment. It was settled in XX/XX/XXXX. The judgment was released in XXXX of XXXX. Copies of correspondence is attached to this complaint. 

This is the second account that Outsourcing has contacted me about. The first one was uncollectable and they clearly had written on their collection letter is may be reported to the Credit Companies. That statement is incorrect. The ultimately sent the file back after being contacted by you. I believe they are engaged in a scheme to collect debt that is not owed. This matter, together with the other one is causing undue stress in my life. I do not want to ever hear from then again for any reason, It should be noted that I legally changed my name to XXXX XXXX. It is no longer 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 2021-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
I was assaulted six times. I resigned from my employment for a medical recovery. I am being denied my mortgage insurance. The mortgage company is XXXX mortgage, my mortgage insurance company is Nationatar. The mortgage insurance company is required to make monthly payments until I recover and go back to work. This has not occured consequently my credit report is incorrect and showing negative information about me erroneously. In addition, I am being harassed by the mortgage insurance company, via phone calls, excessive repeative mail and property damage to my home and attempting to steal home and allu equity from my home. Violation of antitrust laws as a single woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ran my credit without authorization on XX/XX/XXXX and XXXX. They have admitted they did this in error but as far as I can determine nothing has been done to remove these authorized inquiries from my XXXX and Transunion credit reports.

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