vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I need to find out some exchange rates for overseas purchases with my Bank of America Travel VISA cedit card. It is impossible to get in any reasonable manner. I had to call BoA three times today, was on the telephone for half an hour or more and was finally disconnected by it. While holding, I was subjected to a barrage of irrelevant marketing recordings along with the same for non-germane choices before I chose something and was put on hold. It was impossible to reach a representative at the number on the back of my credit card ( XXXX ) and there were no automated options for information typically needed when anyone travels to another country. Clearly, this so-called travel card intentionally withholds pertinent information relevant to travel. Why? Are there surprise surcharges or high exchange rates for other currencies? 

A credit card that purports to be a travel card needs to readily provide up-to-date exchange rates it uses for other currencies, whether or not there are surcharges for the exchange and other relevant information needed when travelling to other countries or purchasing things there. 

The CFPB needs to ensure that all of this kind of information is readily available to consumers for any travel related credit credit card and perhaps for all credit cards. It should sanction for BoA for its inaccessibility in general by phone and for withholding this information directly related to travelling.

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 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Currently dealing with Wells Fargo Bank in XXXX XXXX XXXX, I am writing this because on XXXX XX/XX/XXXX I filed a dispute for XXXX unauthorized transactions totaling up to over {$2000.00} on my Debit Card. On XX/XX/XXXX Id gotten off the phone with the Fraud Department for Wells Fargo ( I called to check the status of my claim because I hadnt heard anything ) the XXXX proceeded to explain to me that he is not sure if my claim will result in me getting my funds back, the only thing he could assure me of was that my claim would come to a decision in XXXX business days which would be XX/XX/XXXX. Im writing this today to inform you that it is XX/XX/XXXX and Wells Fargo has denied my claim and denied my rights to be reimbursed and get my funds back as quick as possible as this unfortunate event has left me with {$0.00}. Unable to provide for myself or my family. I am left having to rebuild all the money I saved recently. I am XXXX to my XXXX about this matter and I just want it resolved. Please 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 2022-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
The name of company is First Credit Control, I didnt get enough information to dispute it. This bill is a worker comp bill that worker comp is going to pay. XXXX that I had done of my XXXX and XXXX. My Attorneys have submitted the bill. This agency took upon themselves of placing this bill all of the sudden on my credit. After my attorneys have handled it. They are harassing my credit flagging it to all credit bureaus. This will stop now. They are double dipping. My case with worker comp is still open. They arent authorized to put the bill on my credit. After it has already been submitted for payment. Its Fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a applied for a mortgage and And now an equity loan and each time I hear nothing back from this Credit Union

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 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
To whom it XXXX concern, In XXXX of 2017, I had a checking account with Bank of America. My ex-Girlfriend, had taken my bank card to deposit my payroll check that I had deposited every week. I later learned that when she was supposed to be doing this for me, she was also cashing checks, approximately, XXXX stolen checks, that she had stolen from her boss. I had no knowledge that this was happening until I spoke to her XXXX XXXXXXXX and the XXXX XXXX Police Department once she was arrested. She was subsequently arrested AND charged for the crimes associated with her cashing the stolen checks through my bank account. I am listed on the police report as a VICTIM on pages,4 of 15 at the bottom of the page, and have attached the police report to this complaint email. there are a total of 15 pages. 

I was Never a suspect, nor arrested for any of these crimes, as she was on camera making all of the transactions, and I was not there. this is noted in the police report on page 9 of 15. She was, and is solely responsible for these crimes.

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 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc
State: MI

Complaint narrative:
The account with HARLEY DAVID with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX, I would like to request for complete payment on this. Also, the balance says that I have zero balance. I'm not sure if the XXXX Bureaus have conducted a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Meade & Associates, Inc.
State: MI

Complaint narrative:
I provided proof that this company was falsely representing itself as a creditor, ( Original Creditor : ) with account XXXX which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY 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 2022-02-12 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: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I XXXX XXXX choose not to contract with XXXX XXXX XXXX ( XXXX )./ XXXX XXXX XXXX XXXX Attorney for Plaintiff. 
U.S. Bank XXXX XXXX XXXX XXXX has committed FRAUD, i did not consent to paying extra monthly payments to cover pass do H.O.A fees. My monthly payments has increased starting XXXX XXXX by {$400.00}. I do not have a contract with ( XXXX ). 
XXXX XXXX XXXX, XXXX a Corporation meaning fiction. 
No man or woman can not owe money to a fictitious entity according to XXXX known as XXXX XXXX XXXX ... ...... I XXXX XXXX have the right to Self-determination and Human Rights.

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 2022-02-12 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: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This concerns Mr. Cooper Mortgage XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I have paid my paid my XX/XX/2022 mortgage 3 times on the following dates : XX/XX/2022 ( online payment of {$690.00} conf # XXXX ) XX/XX/2022 ( unauthorized debit from XXXX Bank for {$690.00}, which the bank returned ) XX/XX/2022 ( customer service rep made withdrawal for {$690.00} conf # XXXX ) I paid XXXX 's mortgage on XX/XX/2022, conf # : XXXX. At that time, customer rep, XXXX, informed me that XXXX 's mortgage, which should be {$690.00}, was NOW {$740.00}! 

This included a {$19.00} charge for payment over the phone. She waived this additional charge. However, I was also charged {$30.00} for insufficient funds on a check that I never wrote! I have NEVER paid by check in the five years I have been doing business with this company. 

Additionally, I sent a check in XXXX to apply to my XXXX mortgage in the amount of {$200.00} along with a letter explaining how to apply this amount to my XXXX mortgage. I received this check as a XXXX from the XXXX XXXX to reduce my XXXX mortgage to {$490.00}. Instead of reducing my XXXX mortgage, I was charged 3 times. I am XXXX XXXX XXXX and living on a fixed income. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
Purchased a car thru Auto Now financial in XXXX of XXXX. My first payment was not due until XX/XX/XXXX. Before that date arrived I started receiving delinquent payment notices. Every month for a year I received these notices, sometimes twice a month. Every month I requested a date or payment information that I was delinquent from. It is now XX/XX/XXXX, and I still have not received any information about what payment I missed. I tried everything humanly possible to get this fixed to no avail. Now they are destroying my credit. And I'm forced to file a harrassment suit against them. One more thing, every notice I received had a different total that I was delinquent. I can provide numerous correspondence with Auto Now financial, with receipts to prove I paid when I was supposed to pay, what I was supposed to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates states " We sent our initial notification letter to you on or about XX/XX/2020. We have no record of a request or dispute being received in relation to our initial notification. '' This is in the complaint # XXXX response. Portfolio Recovery I did not receive a notification of this debt collection. What address did you send the notification to? You did not mail the notification to my present or past address. I demand a copy of the notification letter you sent XXXX XXXX for my records. 15 U.S. Code 1692b - Acquisition of location information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Gift card for purchase in the amount of {$50.00}. One item was returned, and the other was kept. However, the merchant did not credit my account the full {$50.00} for the gift certificate. {$16.00} us still due. I'm being harassed by Bank of America to provdie the information and explanation 3 times now. If this business were conducted in the United States, they might be able to understand English more fluently.

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 2022-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: TX

Complaint narrative:
I have new information regarding CFPB complaint # - XXXX and XXXX. This company have responded to my complaint that they need more time to review and thoroughly research my submission. I do not approve the extension. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer 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 2022-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation