vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: MD

Complaint narrative:
On XX/XX/XXXX, my debit card was hacked and someone stole {$1000.00} from my unemployment account. The way I found out is that I went to the Bank of America ATM that morning and tried to withdraw a small amount of money, and a message popped up on the screen and it said " Maximum Daily Withdrawal Limit Reached '' I checked my online banking and I saw " two '' {$500.00} withdrawals that morning on XX/XX/XXXX. These transactions were unauthorized, illegal, and fraudulent. I called the fraud department and reported the illegal transactions. They said it would be resolved in a few days after they finish their investigation. I would either get my money back or a letter in the mail. 

After I reported the fraudulent withdrawals, Bank of America in Conjunction With Maryland Unemployment froze my account, and I just received access back to my account on XX/XX/XXXX. So 5 weeks with no unemployment  funds. 

About a week later from XX/XX/XXXX I received a letter from Bank of America, and it stated that " my claim has been closed because we believe the account or the claim has been subject of fraud or suspicious activity. '' It does not make sense to me, because they have to refund my money if a fraudulent transaction takes place, but they refused to do so. 

But the part that is making me suspicious that they did not look into the matter is because the letter they sent me was dated XX/XX/XXXX. So they took less than 24 hours to do a full investigation on the issue after I reported it on XX/XX/XXXX. 

I called the fraud department to reopen my claim, but they refused to do so because my account was frozen, and they said once it is unfrozen, I could reopen my claim again to get my {$1000.00} back. 

My account became unfrozen on XX/XX/XXXX, and I submitted a letter today to Bank of America on XX/XX/XXXX explaining my case with proof and evidence that my debit card was hacked. 

I'm hoping that you can help me get my {$1000.00} back because this is not fair. I am the victim and I am getting punished. There has been a lot of fraud and scams since the pandemic started and it affecting a lot of people 's lives and unfortunately, I got caught up in it. 

I know for a fact that the Bank of America is required by law to repay customers if their account had fraudulent transactions. Please let me know if I am wrong. 

Thanks for your help

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 2021-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was waiting for a decision from the loan company when they placed the loans in default with out providing a working solution for the issues of the pay out. I had received bad information about my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MI

Complaint narrative:
I used XXXX XXXX to submit an ACH pull from US bank in early XXXX in the amount of {$1000.00}. The money was withdrawn from US Bank on XXXX. On XXXX, XXXX suspended all my external accounts and told me they were keeping the money ( 5 transfers of over {$8000.00} ) until I could prove I owned the external accounts. I did, and I was then advised I needed to file a dispute with each individual external bank to get the money returned and XXXX  could not help me. 


I filed all complaints and all money has been returned except US Bank. US bank asked me to complete a complaint form and fax that back. I did. I contacted them about a dozen times and today, they told me the complaint was resolved but were not sure why the money had not been returned. I was transferred 7, yes 7 times between the SAME TWO DEPARTMENTS over the course of 75 minutes, most of which I spend on hold for each transfer. I asked for a supervisor in the fraud department on the second to last transfer who initiated another transfer back to personal banking. I asked to be connected to the personal banking supervisor and was told they had my info and were ready to answer and assist. I was transferred to their voicemail and have not received a call back. Every time I call, I spend around a half hour on hold and then get transferred. I've already invested 15 hours of my time trying to correct their mistake. I don't have any more time. I need help or I will have to file lawsuits so I can talk to someone face to face in my hometown courthouse.

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 2021-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Throughout the months of XXXX and some of XXXX my card charged me for multiple XXXX orders and I have never used XXXX on my credit card. The bank said it was " consistent with my previous purchases '' and billed me for XXXX dollars. Some of the restaurants I was billed for are not even in the state of Tennessee and the bank told me to send them more information, which I don't have any more information than they can see because I did not make the purchases. I only have my statement and so do they. I'm sure so many people have used XXXX during a global pandemic. They said if I have more information to fax or mail. I don't have access to a fax machine or a printer because I am unable to XXXX  due to a 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 2021-01-06 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: NM

Complaint narrative:
1. I went online to get my free credit report but lost my connection 2. I tried to go through Experian and they offered me a service by which my account could be monitored with regular e-mail updates 3. When I tried someone else had used my social security # to already do that That person is my ex wife of 14 years. I recognized her e-mail address on my account at Experian portal 4. I wrote 2 letters asking Experian to what happened and to fix it 5. I had an attorney write a letter asking the same 6. I notified the SS Administration 7. I opened an investigation at the FTC 8. I filed a complaint with a US Senator 's Office Still nothing from Experian The Attorney General of New Mexico said you could help me I am skeptical

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 2021-01-06 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a call on XX/XX/XXXX from customer service at Chase about a past due credit card payment. I knew nothing about the charge and never use the card. After looking into it further I found out it was an annual membership charge for Amazon XXXX for approximately {$120.00}. I explained I was never notified and actually thought the account was setup for autopay like all my other bills. I pay my credit cards in full almost every month and this was such a small amount. They could find where they set me up for online statements, had my bank account information but never completed the process for autopay. I explained that I have never missed a payment ever and have perfect credit. Right away they refunded all the charges and I paid the amount due. I asked to have my credit report fixed and they refused. The first person I spoke to indicated they sent me notices. I did not receive any mail notices and the 1st phone call was the XX/XX/XXXX but the account was past due almost 6 months at that point. I called back again to speak with a credit XXXXpecialist who again refused to correct my credit report. His exact words were " Chase is not in the practice of notifying customers when they are late ''. I believe any creditor has an obligation to notify a customer within certain time period of delinquency. 

It is obvious this was an error as you can look at my past credit and see I never missed a single payment ever on any loan or credit card. They acknowledged the error by refunding me all the late fees and interest but will not fix my credit. This is abusive behavior by a credit card company that will call you numerous time for you to open a card but can not notify you when something is wrong. I can show my phone records that they never called me once until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In XX/XX/XXXX, Citibank said they sent my money back to XXXX and XXXX never received the money and they will not furnish me paperwork on proof of funds sent to XXXX. I have a right to see prof where my money is at. Citibank are a corrupt company they steal money from people and believe they dont have to give it back. I want my money back from this corrupt bank NOW

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 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint to CFPB due to regarding an identity theft that has occurred under my identity. Few credit cards have been issued under my name without my knowledge or approval. I found about these fraudulent activities after reviewing my credit report back in XXXX, 2020. 
These credit cards were actively used by someone that I do not know. I have requested to the credit bureaus to delete and block these accounts from my credit report, and requested to contact each creditors and explain the situation. But involved credit reporting agencies and the creditors will not acknowledge my problem and continues to report an account from XXXX. 
I have requested validation and verification of this account to the credit reporting agencies and to XXXX, but they have never conducted such process. 
I did not receive any of documents that I have requested. Requested documents were ; A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Also, here is the list of all accounts that were involved with identity theft. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 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 2021-01-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint to CFPB due to regarding an identity theft that has occurred under my identity. Few credit cards have been issued under my name without my knowledge or approval. I found about these fraudulent activities after reviewing my credit report back in XXXX, 2020. 
These credit cards were actively used by someone that I do not know. I have requested to the credit bureaus to delete and block these accounts from my credit report, and requested to contact each creditors and explain the situation. But involved credit reporting agencies and the creditors will not acknowledge my problem and continues to report an account from XXXX. 
I have requested validation and verification of this account to the credit reporting agencies and to XXXX, but they have never conducted such process. 
I did not receive any of documents that I have requested. Requested documents were ; A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Also, here is the list of all accounts that were involved with identity theft. 

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My husband and I started the application process with Wells Fargo in late XX/XX/2020 for a property being sold 'As Is '. We submitted all the required documents right away. From the very beginning, we had severe communication problems on their end, including constantly keeping me out of the loop by persistently not cc'ing me on the email. XXXX XXXX was assigned to our application but throughout the process was in and out of the office for extended periods of time. In the off times, his supervisor XXXX XXXX would " assist '' us with the process. We were given misleading information regarding what accounts could be used for collateral ( it was admitted in writing that underwriting made a mistake on that ). Because of the failure in getting up-to-date information about our process upon returning, Mr. XXXX gave us inaccurate information on several occasions. Ultimately, those mistakes caused us to lose out-of-pocket money towards closing products that we would not otherwise have purchased had they done their due diligence of reading the contract. We asked on SEVERAL occasions if there was anything else besides meeting the minimum reserves ( the delay in securing funds was their fault for providing wrong information initially ) and we were assured nothing else was in the way of closing, just to be notified, weeks later, that they now needed the home that was being sold AS-IS for XXXX, to be completely renovated before a loan could be secured. It was stated in the contract, that WF had from day one, that the house was sold AS IS, pictures were also readily available online showing the current state of the home inside and out. Upon quick research online, it seems that WF has done the same to a lot of customers in the last feel months. I would recommend you look into it for they are to receive money for the appraisal that we are not allowed to shop around for loans they do not intend to grant. During the process, we filled a complaint with WF 's own complaint department ( XXXX XXXX was assigned the complaint ) to try and resolve ongoing communication issues. That was a mere act of formality that yielded no results. The complaint was closed on the assigned date without any sort of solution nor change in behavior.

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 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Apparently selected wrong payers account and payment never went through and keep getting resubmitted for payment. As a result card account was closed affecting my credit worthiness. 
At no time was I notified in writing or electronically of accounts payment

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 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
This is regarding the : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX When we moved out of our apartment in XXXX, CA. We were never informed or asked for a forwarding address after we moved out. We were given the impression just to turn in our keys and vacate the apartment in a clean and orderly manner. We weren't aware that we were gon na get billed let alone sent to collections. The only reason we were made aware of the collection on the bureaus was when we were getting ready to purchase a Home. We have since paid this debt in full. But this is still an issue because we are now trying to refinance our home and it's showing a as a negative on my bureaus and causing me not get the refi or pay a higher interest rate. This is simply not right and I'm asking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: FL

Complaint narrative:
I have received multiple mailings ( XXXX, XXXX, XXXX ) from the Mediation Recovery Center out of XXXX, XXXX regarding a " debt I owed to XXXX XXXX. '' They offered that I could pay my {$1600.00} debt with an immediate payment of {$420.00}. When I didn't respond to the letters, they started to call. Almost daily. I answered the phone at one point and the very abrasive man told me of this debt they were trying to recover. When I told him the debt was not mine ( I have NEVER had a loan through XXXX XXXX ), he replied, " So you are disputing it then? '' I told him yes. 

The harassment for a loan that never existed in my name is infuriating. It caused me to pull my credit, just to make sure nothing was out there -- and it's perfectly clear. No outstanding loans, aside from my current mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint to CFPB due to regarding an identity theft that has occurred under my identity. Few credit cards have been issued under my name without my knowledge or approval. I found about these fraudulent activities after reviewing my credit report back in XXXX, 2020. 
These credit cards were actively used by someone that I do not know. I have requested to the credit bureaus to delete and block these accounts from my credit report, and requested to contact each creditors and explain the situation. But involved credit reporting agencies and the creditors will not acknowledge my problem and continues to report an account from XXXX. 
I have requested validation and verification of this account to the credit reporting agencies and to XXXX, but they have never conducted such process. 
I did not receive any of documents that I have requested. Requested documents were ; A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Also, here is the list of all accounts that were involved with identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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