vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: NH

Complaint narrative:
My newborn babys Social Security never got to us in the mail when we initially applied for it from the hospital. After contacting SSA they said they had mailed out my daughters ( newborn ) SSN and It should be in the mail but we never received it. We applied for a replacement which we got but Im worried as a father that her identity might have been jeopardized since someone might have taken her social security or it might have gotten lost from mail carrier.

I just wanted a credit report for her and if possible put a freeze on it till she turns XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is offering loan mortgage modifications for families with reduced income or affected by COVID Pandemic. We apply for a loan modification and Bank of America did not give us any information about the new loan until we received a loan modification agreement in the mail with 4 days to sign and mail back. The terms in the loan modification are a fraud. Bank of America gave us 40 year loan with 4.875 INTEREST RATE and with a BALLON PAYMENT of {$360000.00}. 



I have called them several times and sent them a registered letter but no response. They never informed us about the loan modification terms they were offering to us. When we asked we were told that they were not allowed to give us any information. 



This is how and why people lose their homes and this is why we have so many homeless families in California. Bank of America threats customer with an iron rod. They don't care about us. We made all of our payments on time. My husband is a XXXX citizen and has XXXX XXXX problems Bank of America donates money here and there, Millions of donations here and there and they do it because they get the money from us, the customers. They don't ' care at all about the customers specially the XXXX community. This loan is a fraud and we want them to be investigated. During a Pandemic they are giving this terms? This is crazy and a fraud against our community,

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 2021-02-06 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: CA

Complaint narrative:
My card was stolen and I called to report it they gave me credit then froze my card and have been taking my money for months now the whole time I was receiving unemployment they took all my money and I've lost my place to live and have nothing my money is being stolen

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 2021-02-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZuntaFi Corp
State: TX

Complaint narrative:
I received a letter from the ZuntaFi company about how my student loan servicer has changed to them and not XXXX. I am currently up to date and paying my student loans with XXXX. The account manager XXXX XXXX, stated that I owe {$17000.00} and if I pay {$3500.00} my student loans would be paid in full. I told her that I am paying my student loans with XXXX and have no other federal or private student loans. She insisted that I was wrong and has been sending me letters, emails, and threatening to damage my credit. I have confirmed my student loans with XXXX and the Federal Student Aid ( government ) website. None of this information she has is correct. She mailed me my original promissary notes, that has been refinanced with XXXX. I am still paying them off. I have asked her to stop contacting me and to cease all communication and harassment. I would like to report her ( XXXX XXXX ) and the company ZuntaFi Corp XXXX XXXX XXXX for illegal business practices and scamming. She has sent me a letter stating that she will send the dispute to the credit reporting agencies and may take up to 30 days of longer to update the reports. There address is XXXX XXXX XXXX XXXX XXXX, SD XXXX. Please look into your student loan balances on the Federal Student Aid website to very all student debts owed. If I didn't do this, I would have paid {$3500.00} on a debt that I am still paying on. Please be careful out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or XXXX  TransUnion an XXXX. I will be sending an identity theft document to the 3major bureaus.

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 2021-02-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
had a account with XXXX XXXX  and they had a program with wells fargo and XXXX XXXX dropped the program and for some reason that program closed which i still paying on with wells fargo it have but a big effect on my credit report cause it closed and now it looking like im not even paying on it

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 2021-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ordered 7 bottles of chili sauce on XX/XX/XXXX and received 7 plastic bags of chili sauce with no order confirmation or receipt. Asked seller for refund, firstly no response and the was blamed for fraud. Reached out to capital one and soon be charged back for {$37.00}. Talked to capital one for several times to resolve the issue, but capital one said I need to send back at my own charge. I refused since its not my fault to receive the wrong items. Capital one then asks for 2nd opinion, so I provided another merchants webpage merchandise for the same upc code. Visually they are different and I still couldnt get money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Debt that is not mine was assigned to Midland Credit. I have spent months writing and asking for copies of documents. I never get a reply. 

Because I am considering federal employment, I need to get this taken care of. On XX/XX/2021 I sent {$500.00} as a full settlement of the matter with a letter that said if Midland Credit Management accepted the money, it would be settled. I am attaching a copy of the letter here. In the letter I am very specific to say that if they did not agree to the settlement, then they should send the payment back. 

They accepted the payment as evidenced by the letter they sent me, also attached. 

Copies of the money order and the mail receipt are also attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal XXXX XXXX  Synchrony Bank advertises 2 % cash back on all purchases. 
I have had my Pay Pal XXXX XXXX for 24 months. I have never been late on a payment and pay my card balance in full each month. I have a excellent credit above XXXX. 

I received a letter on XX/XX/XXXX dated XX/XX/XXXX stating my account has been closed due to " high risk of failure to pay. '' This notification comes with over {$6300.00} in purchases made up to 60 days prior to any notification where I will not earn the advertised " 2 % cash back ''. Following several calls to customer service no one can explain the verbiage of " high risk of failure to pay '' or can help with honoring the " 2 % cash back on all purchases. '' I have been told once the account is closed all prior purchases are not eligible for cash back prior to the closing notification. I made these purchases in good faith using the Pay Pal XXXX with the expectation Pay Pal XXXX XXXX Synchrony Bank would provide the advertised 2 % cash back. If I would have been notified of this closure I would have happily used another credit card that honors what they advertise in rewards. 

Please beware of Synchrony Bank and Pay Pal 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 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2021 : Principal payment of {$20000.00} was not credited to my mortgage account until XX/XX/2021. Amount was withdrawn from my credit union on XX/XX/2021. 

XX/XX/2021 : Principal payment of {$20000.00} was not credited to my mortgage account as of XX/XX/2021. Amount of {$20000.00} was withdrawn from my credit union on XX/XX/2021. Wells Fargo continues to accrue interest on outstanding balance.

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 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/2021 around or between XXXX XXXX I attempted to withdraw {$500.00} off of my PayPal account at XXXX XXXX After multiple attempts I repeatedly got denied on withdrawing funds. I contacted PayPal at least 5 times. The first time they put me on hold for 1 hour and 51 minutes and never returned. Unfortunately, I kept trying to get through and became very aggravated when no one would take my call. I finally spoke to 3 different supervisors who then told me it was their choice and their decision to end my account and they were going to keep all of my money for 180 days ... 6 months! I proceeded to tell them how in the world can they just close my account with no explanation of what I did wrong. One supervisor said they can do whatever they please in which I became very furious and told them I had kids and in really need access to my money. After 30 minutes of talking to them and explaining I was hung up on and now my number is on a do not answer list apparently! In my available balance I have {$1000.00} and my money that they have on hold I have {$740.00}. They said I needed to verify my information which I did! Still nothing. Then they said they would make a decision in 3 days. They made a decision in 18 minutes! No warning or anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2020 I purchased two chairs online from Rooms to Go. I paid with my Synchrony Bank Rooms to Go credit card. The chairs were delivered to my home several weeks later. Upon examination I found a small tear in the skirt of each chair. The cushions of both chairs appeared to have been used because they were dirty. I called and complained to Rooms to Go and I was told someone would come to my home and repair and clean the chairs. No one ever called or came to my home to repair and clean the chairs. I called again to Rooms to Go and told them that I wanted the chairs out of my house. I was given a pickup date, I moved the chairs outside and the chairs were removed back to Rooms to Go. I filed a dispute with Synchrony Bank, 60 days came and went and the charge was put back on my account. I never received a letter as to why this charge was put back onto my account. Now I am expected to pay {$1300.00} for 2 chairs that have been returned.

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 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: AK

Complaint narrative:
Robinhood brokerage is not allowing me to withdraw money from my account. They are refusing to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I am a victim of Identity Theft. The account XXXX listed on my consumer credit reports in the amount of {$98.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX  account and this is a direct result of Identity Theft. Furthermore, Enhanced Resource Centers ( ERC ) has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), Enhanced Resource Centers ( ERC ), you are required by State and Federal laws to cease all debt collection, and remove this fraudulent account from my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Kohn Law Firm has claimed I defaulted on a payment during a bank holiday when they said the payments should have been collected before or after the holiday. My check is dated for the XXXX of XXXX, which was the payment date! 

I was never informed and now they are trying to take legal action in court again without notifying me! 

I would have chosen a day earlier or later for my monthly payment date if they told me about their bank holiday practices! 

This is completely unfair to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys isnt crediting back the charges they made on my card, I havent received the items they charged 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 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am a victim of Identity Theft. The account # XXXX you listed on my consumer credit reports in the amount of {$3300.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX XXXX account and this is a direct result of Identity Theft. Furthermore, according to my current XXXX XXXX Report and other sources, there has been a civil lawsuit files against me in XXXX XXXX Case # XXXX by Midland Credit Management. Midland Credit Management has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 


Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), you are required by State and Federal laws to cease all debt collection, and remove these fraudulent accounts reported on my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
Dear Consumer Financial Protection : Fedloan refuses to accept, the US Dept of Veterans Affairs as a 'qualifying employer ' for purpose of Public Service Loan Forgiveness Program . 

For the past 12 years, Fedloan has contracted with the US government to manage my federal Direct Loan/student loans that I accumulated to become a XXXX XXXX XXXX  ; and for the past 10 years, I have an agreement with Fedloan, while working in Public Service, my monthly student loan payments will go toward Public Service Loan Forgiveness after I have made 120 qualifying monthly payments ( I have made about 90 or so ) under the qualifying repayment ( IBR ) plan, while I am working XXXX for a qualifying employer. 

Prior to, and since XXXX until current with no break of service I have worked for the XXXX XXXX  as a full-time XXXX XXXX XXXX  XXXX, as a XXXX  XXXX, serving XXXX XXXX soldiers, dependents and Veterans with the US Dept of Defense/US Army ( DoD ), and the US Dept of Veterans Affairs, XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Since XX/XX/XXXX, Fedloan has refused to certify the 'VHA ' as a qualifying employer, having left my monthly payments made toward Public Service Loan forgiveness in limbo. 

I have received letters from Fedloan, unsigned, unnamed, no contact information other than Call Center. Calls to anonymous Fedloan Call Center maze have been going no where, all of the agents declining to refer my calls to a Supervisor or Manager. 

I will be grateful if you assist in facilitating the Fedloan 's understanding, that mental health professionals and practitioners working for the XXXX XXXX  XXXX  the mentally ill, is a Public Service - it pays less than working in private practice, and I work in the desert of XXXX XXXX where there is an enormous shortage of mental health providers and low quality of life ; Fedloan 's refusal to act in good faith and capriciously refusing to accept my current employer as a bona fide 'qualifying employer ' is a Public Disservice. 

Thank you for your time, sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I was contacted via phone, email, and text message by XXXX XXXX from Cedars Business Services ( XXXX, XXXX ) regarding a non-existent debt which Cedars claimed I owed to XXXX. 

No such debt ever existed. 

On approximately XX/XX/XXXX, I ordered two desks on XXXX totaling {$5500.00}. When the desks finally arrived, they were so badly damaged that I refused to accept delivery. XXXX issued a complete refund via XXXX on XX/XX/XXXX. 

I have provided Cedars Business Services the above information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: CORELOGIC INC
State: PA

Complaint narrative:
I submitted a 609 letter to the credit bureaus and still nothing they inquiries are truly haunting me Im trying to buy a house the following inquiries on my report are not mind. 
Credco XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Please block and remove them from my report i have tried everything.

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