vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021, a purchase of {$49.00} was made online through XXXX and appeared on my CapitolOne Visa bill. I reported it as soon as I saw it. I have never had my Visa credit card attached to my XXXX  account. I explained this to CapitolOne. They investigated and didn't believe me even though I rarely used the credit card inside the United States. I got the CapitolOne card for travel outside of the United States when merchants do not accept XXXX XXXX. My XXXX XXXX card was also hit with fraudulent charges and the issue was immediately resolved by XXXX XXXX without me losing any money out of pocket. With CapitolOne, I was forced to pay the fraudulent charge. I then closed my account due to the lack of protection from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I dropped my vehicle off on XX/XX/XXXX for repair. This merchant uses Cash App XXXX 's XXXX is name. 
I paid {$1000.00} in cash on XX/XX/XXXX for repair for the parts.. For the entire repair he stated {$2400.00}. I have the confirmation text and picture of ID. Mechanic was suppose to replace lifters, cam gasket, oil. He ordered the wrong parts, he messed up my timing chain and oil pump. I received my vehicle back XX/XX/XXXX not working. I paid the additional {$1100.00} through Cash App. My vehicle is still not fixed and because of this service the XXXX dealer says I need a new engine. The mechanic replaced the coolant and put in the type. Vehicle is worse than when I took it to him. My husband has called him and texted him with no response. We have text messages of our discussions. I have tried to communicate a partial refund. I have spent close to {$4000.00} and I am only disputing partial of my money. I took my XXXX XXXX XXXX to XXXX after this and they stated since his repairs they recommend a new motor. I have showed that to the mechanic. He stated verbal if it was his fault he would eat the cost. It is not fair to pay for a service and then the services are not provided. This left my family without our family vehicle for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX here ... 

Consumer Financial Protection Bureau ( CFPB ) representative- Please, if you will, open Attachment # 1 and review the " Re-evaluation of credit card dispute '' letter sent out by Bank of America in XX/XX/2020. 

The full charges which I have been strongly and adamantly insisting that are fraudulent charges ( i.e., not my charges ) totaling ( {$2000.00} + {$2000.00} plus Foreign Transaction Fees of {$60.00} + {$60.00} ) ... 

Yet, Bank of America does not agree after I asked for more than one re-evaluation of my credit card dispute. The exact wording in the letter ( as you can read ) is : " While you personally didn't make the charge ( s ) ... '' - >>> thus agreeing with me that these are not my charges and therefore fraudulent charges " ... we confirmed that it was made by an authorized user on the account or someone who has permission to use the card. '' - >>> BUT THIS IS NOT TRUE! The only other authorized user for this Bank of America credit card is my lovely wife, and she did not order over {$4000.00} worth of product online!!! 

>>> My lovely wife and I are prepared to submit sworn affidavits notarized by a Notary Public if necessary to reinforce this fact ...

=== === Bank of America has been trying to collect the debt on this card- debt which neither myself nor my lovely wife created as neither of us purchased the items on the credit card totaling the charges of ( {$2000.00} + {$2000.00} plus Foreign Transaction Fees of {$60.00} + {$60.00} ) ...

I understand that your office may not be able to adjudicate this issue, but wewould like to report Bank of America.

See Attachment # 2 titled, " Bank of America- FINAL FINISH, 11-30-2020, BoA LETTER to the BoA Fraud DEPT '' which I mailed to Bank of America to reopen the fraudulent charge case ( which I still believe is valid ) ...

God bless ...

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: IA

Complaint narrative:
I received two letters and one phone call from Simms Associates Inc. claiming that I owned money on my XXXX account. I contacted XXXX and they said I do not owe money and there arent any other accounts under my name. Simms Associates tried to get the last 4 digits of my SSN, which I didnt give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have worked hard on paying my debt with citi cards cbna, so I said will try to get another credit card with citi and I had called first to confirm with my debt. I tried on XX/XX/XXXX and also on XX/XX/XXXX And I was told both times that since I paid my debts off I should have no problem getting another credit card with citi. But I got denied twice now its on my credit inquiries with XXXX and XXXX XXXX. I need them to be removed from my credit inquiries from XXXX  and 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 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I was auto enrolled in paperless billing without consent by chase bank for my Amazon credit card. This actually happened twice. Once in XXXX and then again in XXXX. I called in when I noticed my account was past due the last week of XXXX and all of the charges were taken off. I would never sign up for paperless billing. I received an email last week that my account was past due again and I called in today, XX/XX/2021 and was denied by two different agents about removing the late fee. I went online and saw that my account was currently enrolled in paperless billing. The first agent told me that I was again enrolled in paperless billing because I paid my bill online two months in a row. Which is customary. The second agent told me that was not the case and that the first agent had no right to give me that information. The second agent also told me there was no record of me having paperless billing. Someone has to be telling a lie. I told him I was going to file a complaint. I have paid all my charges to the card, less the late fees and interest. I want the late fee balance removed and the account closed permanently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc.
State: CA

Complaint narrative:
Hello, I have a {$410.00} medical debt that has been on my credit report. I have attempted to dispute the debt multiple times and it still in my report. The debt listed is from a vehicle crash on duty. I was taken to the hospital and the incident was listed as a workers compensation case. The company I worked was emailed and they have acknowledged via email the debt is theres and they will pay it off upon receiving a bill. I myself and my ex employer did not receive a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. So I made a police report and submitted it to Experian and the other credit reporting agencys. Then the next day experian emailed me back saying my police report was fraudulent. Which is not true. My police report is not fraudulent I went to the police station and filed my report and got a copy of the report. And that is what I submitted to them. Them accusing me of fraud is very hurtful and insulting. I was so shocked and disgusted when and offended when I saw that email response from experian. I am attaching a copy of the police report and a copy of the email to this 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 2021-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 set my auto loan payment on automatic loan payment program for which it took effect on XX/XX/2020. In addition to the primary payment {$100.00} was put toward the principle payment. I called XXXX XXXX XXXX XXXX department to find out why the money was not taken out as scheduled on XX/XX/XXXX. The first customer service person stated that I did not have this program in place when I did. Once the customer service went on the website along with me, the person realized that there was an error with the system. I was told that I had to pay an additional XXXX which I did. 
Then from XX/XX/XXXX to XX/XX/XXXX the " system '' of the XXXX XXXX XXXX XXXX XXXX did not know how to apply the principle as stated, then on XX/XX/XXXX I received an alert from F.I.C.O. credit reporting for late payment. I had to go into a branch to find out that the department changed Complaint executives without notifying me plus they physically reported my payment late when it was not late due to their system error. XXXX XXXX ( Acct # XXXX ) stated that they corrected their error on the same day but it will may take longer than thirty days. I have supporting documentation of the errors made on my payment history. The whole experience is depressing when a person has a excellent payment history. 
I had a perfect payment history manual and automatize until the system made the error.

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 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: ID

Complaint narrative:
I submitted a Private Mortgage Insurance Waiver Request because our home has increased in value and I believe we can have PMI removed. I submitted this request on XX/XX/21 by email and recieved a response from our bank ( Flagstar Bank ) on that same day that they would begin processing my request and get back to me in 14 days. I called one month later and I am told they do not see my waiver in the system and will have to escalate to resolve. Their failure to process my request in a timely manner is causing me to continue to pay unnecessary PMI.

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 2021-04-06 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Hard Inquires on both XXXX XXXX and XXXX that are not mine. 

Navy FCU XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Navy FCU XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Direct Recovery Services contacted my Employer and left a voicemail on XX/XX/21 at XXXX XXXX on my Employers General Mail Box that is checked by various receptionists, and there message was VERY detailed but mentioning the EXACT amount of my debt, as well as optional payment amounts for settlement. This was VERY EMBARRASSING AND INVASIVE as again, this was left on my Employers general mailbox where numerous people/employees have access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
Several months ago I entered into a payment plan with Dept of the Treasury to repay an overpayment made to me through the Dept of Education ( post 911 GI BILL ). I have been paying {$300.00} ( {$150.00} biweekly ) a month for several months and this is still being reported to Experian as delinquent and a derogatory status month after month. Ive disputed this with both entities, each pointing the finger at the other.

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 2021-04-06 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: Asset Management Outsourcing, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My Bank has not resolved my claim ; I was charged {$100.00} since I was a victim of a fraudulent transaction. I made the claim through my bank and they responded that my claim was not valid. They were not able to provide documentation to prove that the transaction was valid even though in my credit card the transaction was located in XXXX which I have never been there. How come is possible that my Bank did not support its customers and proceed to pay these people who are thieves and clearly are taking advantage of vulnerable people?

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 2021-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have been trying to receive a payoff on my HELOC with Bank of The West for 3 weeks. The first request was sent/faxed on XX/XX/21 and then again on XX/XX/21 from XXXX XXXX XXXX. I have held for customer service and told on two occasions XX/XX/21 I was told escrow would receive within 24 hours and then again on XX/XX/21 again I was told escrow would receive by the end of the business day. Both times customer service confirmed they received the request for payoff. 

This is extremely unusual and appears to be an attempt to not allow us to pay this loan off. Almost impossible to get someone on the phone. There is no branch local to me that is open and I can walk in and find out what the problem is. The Corporate phone number goes directly to an automated customer service line. 

I don't know how to resolve this issue!

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 2021-04-06 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I found out that there was a fraudulent account opened in my name through XXXXXXXX XXXX XXXX on XX/XX/2020 in the amount of {$8200.00}. This account was not opened by me and I did not make any of the purchases. My spouse opened several credit cards in my name amounting to debt of {$21000.00}. When I discovered these accounts I called each credit card company and also filed a police report. I have been trying to get this resolved with XXXX Bank since last XXXX and I keep getting the run around from this company. My credit score has dropped almost XXXX points because this account is showing delinquent on my credit report. Once I filed for divorce XXXX XXXX stopped paying for the credit cards he opened without my knowledge. XXXX is not addressing the problem or investigating the problem and it is ruining my credit. I have given them the police report details and everything I know regarding the identity theft, I am not sure what else to do every time I call I am on hold for 30 mins to an hour and transferred to various departments, but never get a straight answer or any real help with the matter.

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 2021-04-06 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XXXX identified a discrepancy with account listed under Ability Recovery Services and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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