vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I discovered that someone had gotten a hold of my edd debit card number and made fraudulent charges on my card totaling {$4100.00}. I called the card issuer Bank of America and reported the fraud. Bank of America froze my account and issued a new debit card to me. I was told that the bank would investigate my claim and give me a decision. On XX/XX/2021 I got a letter from bank of America dated the day after I filed my claim with them advising me that my claim was cancelled and they were not going to refund my money. Additionally, the amount listed on the letter was much more than the amount that I reported on XX/XX/2021. I called the bank and told them the amount listed on my claim was wrong and asked them to reopen the claim and they did. The claim was again closed with no reason given by bank of America. I also called the merchants where the money was spent and was able to intercept a purchase from a XXXX store for {$2000.00}. I did get that money back bu I am still out over {$2000.00} plus I called Bank of America again and told them to really investigate my claim by calling the merchants because I did not make these charges. The man from the XXXX store told me that a man had a credit card and matching id when he made the purchase, my name was not on either the credit card or the id shown to the XXXX store when the purchase was made. Bank of America never investigated my claim and refuses to give me my money back. I should not have to make these phone calls to track down the person who defrauded me. I should not have to file this complaint. This is ridiculous that Bank of America is getting away with this, they treat their XXXX  customers like dirt. Please help me get my money 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 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
I found a collections report on my credit report, date opened XX/XX/XXXXof balance amount of {$710.00} from Fidelity Creditors SVC. I made attempt to dispute it and was told of another company that claim to offer credit card processing service. Meanwhile, I did not receive any service from the credit cars processing company. 
This credit card processing company is a fraud trying to collect a debt that i do not own, i did not even get any service yet from them when i ask them to stop to process any account with them because i discover they were not going to offer everything i was asking for. This company did not give correct details of my question about the service so when i saw what they were trying to do i ask them to stop the process and they refuse claiming i have to pay some amount which i did not own. I never receive any equipment yet and i never even start to use the service at all. So this company reported to collection company and this report is causing a negative view of my credit report and i could not get any financial loan or credit because of debt that i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Received " Pre-Selected '' offer from Capital One XXXX. I want to opt out of these offers. Called their XXXX number XXXX. One of the first things that they asked for was my Social Security Number. I hung up. How can I opt out of these annoying pre-screened offers? I get quite a few of these offers. Most of them I have been able to stop, but this one is particular bothersome. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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
State: TX

Complaint narrative:
Ive used PayPal since XX/XX/XXXX. I received an email from PayPal on XX/XX/XXXX saying my account has been permanently limited and funds are frozen for 180 days. They accused me of gambling, fantasy sports playing, lottery contest and a few other things. But all of my transactions have been with personal friends who have either loaned me money or Ive loaned them monies using PayPal. I also pay many bills and use my PayPal account often in my daily life so this is very disruptive. Ive received a lot of financial help from friends using PayPal, especially since COVID-19. Im not aware of any policy that forbids friends from helping each other out. I dont use PayPal for any of the activities theyve accused me of. When I spoke to the customer service representative on the phone today XX/XX/XXXX he said and I quote you know what youve done I immediately asked for his supervisor which he responded by saying hes the highest level at the company Im able to speak with. Then when I asked for a email address so I can write directly to management he declined and would not give me one. saying theres no email option for this situation and hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Last year I lost my job and bank offer me forbearance program for 3 months and extended by other 3 months, I paid 3 months and only I used program for 3 months, couple times I requested for 12 months forbearance but bank sold my loan to the investors and they dont accept, I have hardship by last 2 weeks I got unemployment income now start working but I dont have enough income to pay my mortgage just barrows from credit card to pay my mortgage I dont know what to do not.

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 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
According to the CFPB, my mortgage company Amerihome is required to notify me of a change in my mortgage servicer. I'm currently in a forbearance. I've started being contacted by XXXX via phone and knocks at my door, who claims that they are now my servicer, but I have not recieved any notification from Amerihome of this. When I call Amerihome to discuss this, it routed me automatically to XXXX. Apparently I can't every talk to anyone at Amerihome to confirm this. I just have to take XXXX word on this. XXXX searching makes me think XXXX is prone to being scammy. What options do I have here?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My account was used on multiple dates for XXXX trancations & bank wont investigate

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 2021-05-11 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: Coinbase, Inc.
State: TX

Complaint narrative:
on Sunday XX/XX/2021 i used my mobile phone to check my Coin base crypto currency account and it showed me a balance of XXXX Cent previously on the same dat XX/XX/2021 my account balance was XXXX i did not sell any of my currencies because i was holding them for long term investments. After contacting coin base i was informed that i needed to perform a 2 step verification process in which i log in and put a 6 digit code i receive from XXXX in order to upload my photo identification front and back then i would have to use my web camera on my computer to take a selfie well it lets me upload the front and back of my drivers license but when try to take the selfie with my web camera the page disappear and another page appear stating that my identity can not be verified although i have uploaded my drivers license front and back i only have one last step to complete but can not due to the web camera issue. previously when i signed up for the account and was approved i used my mobile phone but coin base does not allow you to go thru that process. it is very hurtful to know you invested to make money and not know what happen to that investment. i think Coin Base is using the money as personal investments because when i purchased $ XXXX it was valued at {$3100.00} and in 1 week its value is over {$4000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 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: FL

Complaint narrative:
I kindly ask you to clarify the situation and help me to understand why I have these strange unknow accounts in my credit report. I do not recognize these accounts and feel that its misleading information. I want you to ask to apply investigation and remove these unknown accounts. Thank you for your help and support

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 2021-05-11 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: FL

Complaint narrative:
I kindly ask you to clarify the situation and help me to understand why I have these strange unknow accounts in my credit report. I do not recognize these accounts and feel that its misleading information. I want you to ask to apply investigation and remove these unknown accounts. Thank you for your help and support

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
Hello, I had a demand draft issues by the HSBC XXXX XXXX XXXX branch in XXXX, XXXX on XX/XX/XXXX of 2021. The demand draft was issued in the amount of XXXX USD to HSBC Bank USA, N.A. New York. I deposited the draft in my XXXX XXXX checking account, but it was returned due to lack of funds via HSBC NY. 

HSBC XXXX informed me that the money was correctly sent to HSBC NY. HSBC NY informed me that they were unable to assist me as I only have an account with HSBC XXXX. I am unable to get a customer service representative 's help. My money appears to have disappeared within HSBC 's system and no one will tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2021-05-11 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Macy 's is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt reporting. I immediately called and settled this debt with them. Prior to this, I had not received any notices, calls or emails regarding this debt. This violated my 30 day right to dispute under the FCRA and FDCPA. I ask that Macy 's please remove the tradeline from credit.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE ANOTHER COMPLAINT ABOUT A COLLECTION ACCOUNT REPORTING ON MY CREDIT REPORT THAT IS ONLY REPORTING ON TRANSUNION AND THE OTHER 2 BUREAUS ARE NOT REPORTING IT AT ALL WHAT SO EVER! THE ACCOUNT NUMBER TO THIS ACCOUNT IS XXXX FOR CREDIT COLLECTION WHICH TH EORIGINAL CREDITOR IS XXXX XXXX  COMPANY. IT IS A PAID CHARGE OFF REPORTING AT A XXXX BALANCE. I REALLY DO NOT UNDERSTAND WHY THIS ACCOUNT IS ON MY CREDIT REPORT TO BEGIN WITH. ESPECIALLY WHEN IT IS ONLY ON TRANSUNION. I WOULD REALLY APPRECIATE SOME ASSISTANCE ON THIS ACCOUNT AS YOU HAVE ASSISTED ME IN THE FUTURE. I DO NOT BELOIEVE THAT THIS ACCOUNT IS FOLLOWING THE FCRA AS IT STATES IT DOES. PLEASE INVESTIGATE THIS FURTHER. 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 2021-05-11 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS CAUSING GREAT STRESS ON MY CREDIT FILE. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED BECAUSE IF IT VERY UNFAIR HAVING TO DEAL WITH THIS WHEN I AM VERY SURE THAT THOSE TRANSACTIONS WAS NOT MADE BY ME AND IS NO WHERE NEAR RELATED TO ANY TRANSACTIONS AUTHORIZED BY ME. PLEASE RE-INVESTIGATE AND REMOVE THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Medical data system claims that I owe a debt with them for {$290.00}. And I have never had an account with medical data system. And if this is a medical debt this would be a HIPPA violation with sharing my information to a 3rd party company.

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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I received a new legal documentation from Midland Credit Management LLC few days ago by mail, not in my home, the letter was delivered to my parents house mailing. 


They sue me trying to collect an old account ( more than 7 years ago ) for the amount of {$1500.00}. 

On XXXX XXXX I received a notification from the court indicating that the the case was closed on XX/XX/2019, this action was after I complete on CFPB a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I XXXX XXXX XXXX XXXX state to the best of my knowledge and abilities that the below statement are true. As my written affidavit. 

I XXXX XXXX have a saving account with Marcus Goldman Sachs account number XXXX or XXXX Date of birth XX/XX/XXXX SS last XXXX XXXX I first had problem logging into my account Then I request for XXXX XX/XX/XXXX to be transfer to my card. I ; : m being told by Marcus Goldman Sachs they must send me a affidavit to my old address I no longer reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I inform them i ; : m no longer at that address. I ; : m in XXXX  and need it to be sent here in XXXX I should be able to send them a copy of my government issue driver license front and back to their verification department with a sworn statement even a picture with me holding my identification up to my face. 

I get this with XXXX banking now this. Banking account. As if someone is tracking malicious attempt to keep me from having access to my own banking account funds and information. 

Embezzlement of consumer banking funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander consumer pressured me into purchasing a XXXX XXXX XXXX a XXXX car into a XXXX plus deal with 26 % interest on the loan when I could barely make it. I was in the military and they scammed good not even giving me at 10-15 % options when I was XXXX years of age with a wife and child I was picking between paying my car note or putting food in our mouths. Along with XXXX XXXX in XXXX, La. They sold off the the sub prime loans and didnt tell me and in XXXX they didnt offer any relief during COVID-19 pandemic and wont release me my title to the car I was scammed into buying.They constantly threaten me with letters of repossession even when I would be on time with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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:
Last year 4 amounts were withdrawn from my account, with a card that was not mine, at an ATM of the same bank, ATM Withdrawal auhtorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, retired XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX. 

Wells Fargo Bank has not been responsible and does not provide me with proof of withdrawals that I did not make, I have sent a letter and no one explains what happened, the border has been closed for more than a year, and I can not cross with tourist visa. 
They made fraud with my data. the bank did not protect my account.

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 2021-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Auto is reporting erroneously on my credit file. I recently took a look at my credit and noticed that this loan is reporting as a charged off debt. I was never aware that this account had been charged off as I have been making my monthly payments and continue to make monthly payments. I was never called or notified or even receive statements that my account had been charged off. I ask that they please remove the charge off status, this is a good open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/21 I sent an affidavit of truth stating that Transunion violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked you for a verification of the accounts. Since they claim the accounts were indeed verified I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in all of my accounts. 

I now need the accounts removed : Account Name : XXXX XXXX XXXX Account Name : XXXX Card Services Account Name : XXXX XXXX XXXX Account Name : 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