vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I tried using my bank card to get gas and it was declined so I tried to pay inside it was declined. I called bank of America to find out what the problem was I knew I had {$500.00} in my account. They told me they shut my card down because of suspicious activity, when I told the employee at the bank I needed money before they turn my card off for my access the girl told me she would try to reopen the card. I was assured that I wouldn't be charged anything in fees if the transaction didn't go through. It took over three times myself and no money from ATM machine it kept saying to call my bank. The employee took over three times before finally the ATM machine dispensed {$100.00} .00 for me with the fee it is {$100.00}. When I called the automated number to check my account the next day XXXX learned that I was charged twice for the ATM transaction, it said I withdrew {$100.00} two times which is not correct I only took out {$100.00} and the fee of {$3.00}. I disputed the transaction and after thirty days my bank sided with the company who owns the ATM machine I couldn't believe my bank after XXXX years with them would do such a terrible thing to me. I'm on XXXX and need every penny I get, I was told to write a letter to ask the claim to be reopened I can't even begin to write the letter I've been traumatized emotionally and mentally about this. My statement shows when my bills were paid and how much money was left in my account which was a little less then {$20.00} an hour later I was overdrawn by {$84.00} Plus change and XXXX of my bills reversed not paid after already being paid. My last transaction to go through was on the XXXX of XX/XX/2021 clearly enough time to pay the money for my bills yet bank of America forwarded the dates to the XXXX of XXXX the same day they took {$100.00} from my account. They have stolen my money from me and damaged my credit that I was rebuilding. I can't sleep or eat can't think straight because of their blatant disregard for my money and health they have done more harm to me then just taking my money I can't function anymore because of what they have done to me. I want my money back and close my account. I found out that XXXX owns a big part of bank of America which is a private bank I learned. I don't want anything to do with them after I get my money back they sold their clients out to XXXX. They changed all my transaction dates to fit there lie. I was locked out of my online account so they could alter transactions I have printed out screenshots to prove what I say is true but there not interested in the truth because they would have to return my money. I need my money now and justice for me.

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 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I applied for a credit card way back in XXXX I was working a lot at the time and my credit was perfect I had no credit trouble. Then hard times came I bought a home over inflated in XXXX right before the housing crisis. Then work slowed so I had to cut back my bills. Unfortunately this credit card capitol one being the card was not at all trying to work with me, so I was left with no option but to not pay. They would take money and charge so much interest it was as if I never paid them anything. Then when I asked about making a deal I was resoundingly told no. So after 7 years I checked my credit report after years of abuse from creditors that I recently found out were banned from collecting debts in the first place! Phone calls at all hours, threats of credit ruin, threats of being sued, I was afraid to keep money in my bank account because I thought they would take it. It was really bad and I didnt know being in my XXXX that it wasnt legal to do that. Which brings me to my main complaint, I am now XXXX years old! This account is soooo old and it shouldnt be delinquent on my credit report still!!!! Even after a dispute they just said we dont agree with the dates the consumer stated were true! Outrageous! I opened this account when I was in my XXXX I am XXXX! They keep moving the date up of when I opened the account and it just keeps hanging on my credit report. Capitol one is the worst bank I have ever dealt with in my entire life! Please help if it is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Credit inquiry from XXXX XXXX on XX/XX/2021. Did not apply for credit. 

Credit inquiry for SYNBC/Amazon for XX/XX/2021. Did not apply for credit. 

Inquiry for XXXX XXXX for XX/XX/2021 and XX/XX/2021. They were both loan applications. I was told if loan applications were done within 30 days it would be 1 credit pull so 1 inquiry.

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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXXXXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are held XXXXXXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.

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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit inquiry from capital One on XX/XX/2021. Did not apply for credit. 

Credit inquiry for XXXX for XX/XX/2021. Did not apply for credit. 

Inquiry for XXXX XXXX for XX/XX/2021 and XX/XX/2021. They were both loan applications. I was told if loan applications were done within 30 days it would be 1 credit pull so 1 inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
United Collection Bureau This Company is stating that I have a out standing balance that is inaccurate and will need to undergo a recalculation immediately the current debt owed is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I used XXXX XXXX to transfer approx XXXX XXXX coin to Binance Us. Approx value at the time of Transaction XX/XX/2021 $ XXXX. The funds never showed up on BinanceUS wallet I was able to confirm the transaction was successful from the sender. I have email the customer service in excess of 20 times opening up tickets the return to my email immediately saying resolved, but no action has been taken. Need help please to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
Amerisave Mortgage will not refund my loan fees even after the XXXX XXXX advised that the same would occur if we could not close the transaction. The refi transaction was suspended due to valid, open, credit disputes which were initiated before the application process. 

A few issues : 1. The XXXX XXXXXXXX, XXXX XXXX, lied when he said that the {$500.00} processing fee would be refunded of we could not close. This was not done and he acknowledged in a subsequent email and call that the fee was not refunded as the appraisal was completed, which the appraisal was not completed ( another lie ). 
2. The XXXX XXXXXXXX, after initial credit pull, never advised that pending disputes with the credit reporting agencies would cause the transaction to pause. 
3. The XXXX XXXX and processor coerced me into closing valid disputes with the credit reporting agencies to close the transaction, which I did where I was able to. I regret the same as the disputes were valid and the disputes processed had a positive impact on the credit scores. 
4. The lender, through a revised loan estimate, had me paying just short of {$8000.00} in origination fees and points for a {$170000.00} mortgage. This seems predatory.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently checked my credit report and noticed that there is an alleged XXXX day late payment being reported in XX/XX/2021. I couldn't believe it when i saw it. I have no idea how this could have happened. I always pay my account on time or early. I did not receive a statement like i normally do letting me know to make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
Collection Bureau Of F refused validation of the alleged debt claim I owe. I have requested proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which obligates me to pay this debt of {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: FL

Complaint narrative:
On XX/XX/2020 all accounts were paid in full. The statement was provided over XXXX times to experian and they have not did their due diligence only accepting message from the credit company and never provided what evidence they were given to substain that the payment was not received or paid in full. They refuse to remove the negative accounts and to date they have blocked me from filing any more disputes from their site. 

Paid 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 non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are XXXX XXXXXXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.

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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are XXXX XXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: FL

Complaint narrative:
The information on my credit file is not 100 % accurate and not 100 % verifiable under the Federal Fair Credit Reporting Act ( FCRA ) promotes which the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Please review and remove all inaccuracies and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Action Financial Services, LLC
State: NC

Complaint narrative:
I have never received an education loan. This is not my account. According to my credit reports, an education/installment loan was opened on XX/XX/2011 for {$3500.00}. The original creditor 's name is not listed, and there are two different addresses listed for the contact info. On my XXXX credit report the address is XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On my XXXX report the address is XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. Neither of the addresses match the address listed on the official US Department of Education website, which is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I called the phone number that was listed on my XXXX report, and it forwarded me to a collection company called Action Financial Services , LLC. I do not know what company this is reporting this loan to the credit bureaus but it is not mine and it is inaccurate.

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 2021-06-24 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/XXXX I submitted documents to continue my forbearance as they will only grant 6 months at a time. I have been previously told that after this 6 months was up I can apply again and that I have 18 months left of forbearance after I use this 6 months. On XX/XX/XXXX I receive a response that I cant have my forbearance applied back to back until I make one full month of payments. This has never been disclosed to me and has never been an issue in the past. I called the third party company that handles all the responses and asked to get in contact with the lender. They advise me that they dont have a phone number and can not provide me with an email or any way to get in direct contact with the lender. All they were able to do is direct me to the lenders website which leads to another company that does not get me any answers as I have tried to call that number in the past. They assured me they would raise my concern and I would get a response. Its now XX/XX/XXXX, my loans are past due, I cant make the payments due to helping my sick mother with money due to medical issues and I have no response from the company UAS XXXX or the lender Younomics of why they have changed rules yet again ( not the first time they have suddenly changed rules ) nor have I been provided any disclosure of changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for a Marriott credit card via JPMC. They pulled my credit report on XX/XX/XXXX. 
I then received a letter from JPMC on XX/XX/XXXX dated XX/XX/XXXX, requesting me to contact them regarding the application ( see attached ) with only " Action Needed. '' I then contacted JPMC upon receipt on XX/XX/XXXX and while going through 2 specialists and numerous security checks that included issues with their systems not being able to text codes, and inputting my social security number, I was then told that there was a discrepancy between the online application SS # and the one on my credit report, could I verify which was correct. There was a typo on the online application. I was then told to hold while they reviewed the application. At no time, was I informed that an additional credit report would be pulled as part of that review nor did I believe they would need to as the credit report on XX/XX/XXXX was the correct SS # and valid up to date information. 
As soon as I hung up with JPMC, I began to receive alerts from the credit reporting bureaus notifying me that a credit report had yet been pulled again by JPMC and because it was within 5 days, my credit score had decreased by 10 points due to this action. I was alarmed and upset as when speaking with the " specialist '' no one provided me the indication that another credit report would be pulled. I understand the consequences/adverse effects this causes to one 's credit rating and if I had the opportunity to say " No thank you '' because the risk is greater than the reward, I would have walked away. 
I then began to escalate this matter through the customer resolution team on XX/XX/XXXX and requested to speak with a manager that called me back on XX/XX/XXXX. While she understood my position, she let me know there was nothing JPMC did wrong, they appreciate and would take my feedback to management and feel free to log a complaint. This is not good business and it is sneaky at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
I have my home loan through Quicken. They did not pay my insurance premium to my insurance company XXXX from my escrow acct they only XXXX of over XXXX of it. I live in Iowa and I have an open damage claim from the XX/XX/XXXX XXXX  with XXXX mph winds. Now ins. Company has canceled my policy and Quicken has taken out policy for only XXXX on my XXXX home as that is all I owe. Plus the policy covers nothing else and will cost me {$55.00}. More a month I am XXXX years old and have owned my home since XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IA. XXXX XXXX XXXX

Company response to consumer: Closed with explanation