vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Greetings. 

On XX/XX/2020, I received a total amount of {$4300.00} via XXXX in my checking account XXXX divided in two transactions : XXXX for {$2200.00} and the XXXX for {$2100.00}. These transactions were payments for virtual currency exchange made on XXXX trading market ( transaction XXXX and XXXX ). Immediately after I deliver the currency, an overdrew amount of {$880.00} appeared in my account, making impossible to use it. After a several calls to your fraud department ( claims XXXX and XXXX ), the only information provided is that my account was under investigation because the issuers of the XXXX transfers called to claim fraud for these transactions. 
On XX/XX/2020 the fraud department of Bank Of America rules in favor of the issuers, even when I prove with the ID of those persons, and localbitcoins conversation logs and transactions receipts, that those persons, in fact made the transfers. 
The direct result of your actions made me in the true scammed person with a total loss of XXXX and {$4300.00}. 
They didnt notice estrange that those transactions were claimed instantly just after I released the currency in trade. They didnt even comply with XXXX Terms and Conditions ( Liability paragraphs ) which actually resume that all transactions are final, and every account owner is responsible for their data security. With this behavior youre just giving scammers the opportunity to get the goods and the money, making XXXX an untrusted service. 
In a recent phone conversation, they promised to send me the report of their investigations and what actually received was two pages saying the funds for the transactions were reversed because of a fraud claim. Which leads me to believe that actually there were no investigation at all.

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 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: IA

Complaint narrative:
Concord Servicing is the BIGGEST, RIPOFF Company that EVER EXISTS!!! I wish there was a MINUS RATING that I could give them they REALLY DO DESERVE IT!!! DO NOT EVER DO BUSINESS WITH THEM IF YOU HAVE A CHOICE!!!! I had an account through XXXX XXXX and and never missed a payment or never late on a payment. After a few months XXXX transferred my account along with thousands of others to CONCORD SERVICING. WHY my account got transferred is a mystery to me. My payment was due on XX/XX/2020. I called Concord to make the payment and was told that they could not take my payment ( so they REFUSED my payment ), I was told to call back on XXXX XXXX, I called them then and was told the same thing that they could not take my payment and to call back the next day. I called again on XXXX XXXX and was again told they same thing that they could not take my payment and to call back the next day. So I called again on XX/XX/XXXX and was finally told that they had my account transferred over in their system and that because of the delay and the fact that it was their fault they were waiving my XXXX payment and that my next payment would be due on XX/XX/XXXX. I logged onto the website today ( XXXX XXXX ) to make my payment and it shows that I am 30 days behind in payments and there is 2 months payment due. My XXXX payment was NOT WAIVED as promised. I called in to complain about it and was told that yes they did make a mistake in their computers and that the people I spoke with in XXXX LIED to me ( and MANY others ) and gave me incorrect information and that XXXX payment is still due along with XXXX ... I am XXXX and live on a tight budget so with that and all of this XXXX issues it really helped to not have to make a payment for XXXX. BUT now I find out that XXXX is screwing me over and messing up my credit rating and causing MAJOR problems and inconveniences this month. WHAT A HAPPY HOLIDAYS this is going to be!!! And DO NOT expect any compassion from ANY of the people that you will talk to on the phone. I have called many times and have NEVER spoke to ANYONE who can speak more that 2 words of English in a row, it is almost impossible to understand them without asking them to repeat themselves over and over again. These people DO NOT CARE that they are hurting their customers!!! So like I said at the beginning - DO NOT DO BUSINESS WITH THESE CROOKS!!!!

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 2020-12-01 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: Premier Auto Sales, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, my son went in to Premier Auto located on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. He went in to see about purchasing a used car with his fiance. 

My son 's name is XXXX XXXX and since I had been into this dealership 1 1/2 years ago, they still had a file for me under XXXX XXXX XXXX on XX/XX/XXXX my new legal name was XXXX XXXX XXXX The salesperson assumed that my son 's fiance was me and he pulled my son 's credit and my credit. He pulled my credit without permission. I was not even at the dealership. I was not co-signing and had nothing to do with this transaction. 

I received a notification from 2 of my credit bureaus that a hard inquiry was done on my account and immediately contacted the dealership. My son was still there and confirmed that he never even brought up my name. The salesperson apologized and said it was his fault but didn't know how to fix it. I have been dealing with XXXX at XXXX since XXXX to get this inquiry off my credit report. Although he has been helpful and responsive, the inquiry is stil on XXXX  and XXXX  and it has been approximately 3.5 months. I am getting frustrated and feel that they are giving me the run around. 

All that I am requesting is that the hard inquiry be removed from both of my credit reports as they pulled my credit report fraudulently. 

Thank you for your time. Please contact me if you need further information.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-01 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: GA

Complaint narrative:
I pulled my credit report and I saw XXXX XXXX  for XXXX  XXXX  XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received my credit report and found an inquiry on my Experian report. The company that inquired was Clarity Services on behalf of XXXX XXXX. I have never heard of XXXX XXXX or ever applied for credit with them or any company they are associated with.

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 2020-12-01 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
There is a collection account from CMRE that was opened XX/XX/2020. They have placed a note on the account that this was " reaffirmed in bankruptcy. '' I have never filed for bankruptcy. Ever. 
Some additonal info below : {$340.00} IN COLLECTIONS CMRE XXXX ACCT XXXX XX/XX/2020 LAST TIME REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On day one i am contacted by the scammer via XXXX saying that he has got an employment offer for me. He talks and behaves like a hiring personnel, asking me questions similar to interviews. Later he says that I am hired and now the company will send me a check which will have a partial amount as my sign up bonus and another amount is supposed to be sent to vendors who will provide me with my work from home equipment. ( total check amount was {$3900.00} ) On the second day, I receive the check and as usual I go ahead and deposit the check using a mobile deposit method. Now, as per the bank procedure, the balance is made available on the third day. Then after the balance is available, the scammer again asks me to make the disputed transaction via XXXX ( {$700.00} XXXX and XXXX ( $ XXXX {$1500.00} ). I follow innocently. 
On the fourth day I received a notification that the check had been returned and so I contacted the scammer again to know what went wrong. I am not given a fruitful explanation and rather I am told that I will receive another check to compensate for the inconvenience. 
This is the whole scene. For your reference and as a proof, I can also attach the XXXX  chat backup which I took. Please be considerate enough to look into my case. I am an XXXX  XXXX  here and this is something very scary. I request you to please be lenient and help at your best.

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 2020-12-01 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: CreditNinja Lending, LLC
State: TN

Complaint narrative:
I received my credit report and found an inquiry on my XXXX  report. The company that inquired was XXXX XXXX on behalf of Credit Ninja. I have never heard of Credit Ninja or ever applied for credit with them or any company they are associated with.

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 2020-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In the Fall of 2019, my father and I co-signed on a XXXX  XXXX XXXX. We were approved for a loan and the account was assigned to Synchrony Bank. The dealership said the bill would be mailed to our house monthly and we could pay with cash or check. Being that is was 2019, I tried to create an online account with Synchrony to pay with a debit card or bank account, and it said my account number was invalid. So I knew from the get-go this was going to be tedious. I mailed two payments in before I moved to a new apartment and my address changed. I attempted to submit a change of address form and never received another piece of mail from Synchrony again. I called multiple times but there was no way to speak to a representative without an account number which was invalid and I didnt have! Right as this downfall to mine and my fathers credit began, so did COVID-19. I lost my sales job, and my dad, who is an XXXX  XXXX, had XXXX calls. I was unable to pay rent much less my motorcycle. I put off attempting to contact Synchrony until the pandemic subsided or until I could find another job. I am now employed XXXX  and ready to pay my bills to rebuild mine and my fathers credit, which Synchrony destroyed, and my credit report said they CHARGED OFF and CLOSED my accounts. It also said they didnt even receive the two payments I sent them and that Im a YEAR behind. I cant even get in touch with these people. Its made me not even want the motorcycle anymore and makes me sick to think of it when Im riding but I will literally pay these people weekly out of my checks instead of monthly in order to get things on track so it will fix my dads credit. I dont even care about mine, he worked YEARS to get his back up and Synchrony destroyed it. I dont want a huge ordeal, I just want them to contact me and work with me so my dad doesnt suffer.

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 2020-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX central standard time an agent from Skopos XXXX called me and left me a voice mail and he stated that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was contacted by The XXXX & XXXX XXXX on XX/XX/XXXX and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.

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 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
Calling me for a debt that is owed by another individual. 2 calls within an hour on XX/XX/20 and multiple prior calls. I told them previously they are calling the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: GA

Complaint narrative:
I pulled my credit report and I saw XXXX collecting for XXXX  XXXX  XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately

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 2020-12-01 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: GA

Complaint narrative:
I pulled my credit report and I saw XXXX collecting  for XXXX  XXXX XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately

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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A bill came out early which left me with a negative balance. In that time other charges continued to come out which also resulted in more fees. In total {$210.00} in fees were taken out of my account. Even some bills as low as {$10.00} where charged with a XXXX dollar fee. Bank of America refused to refund any of the money back even though they allowed bills to come off my account while already being overdrawn.

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 2020-12-01 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: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
Roosen Varchetti & Olivier XXXX XXXX XXXX XXXX XXXX Michigan XXXX. Garnished {$350.00} from my checking account. My credit union charges me {$100.00}. It was not authorized and no prior knowledge was given. I have no contract with this firm. In XX/XX/2020 they garnished my state income taxes as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 XXXX @ XXXX XXXX XXXX XXXX extension XXXX called my husband 's family members On XX/XX/2020 called my place of employment 5 times before XXXXpm harassing my coworkers for my information. 

This company is claiming I owe school loan debt that was paid back over 5 years ago. 

I will lose my job if they continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I bought a pair of leggings for my wife on a website on XX/XX/XXXX and after several weeks I didnt receive any shipping information from the seller. I contacted the seller via email and requested that my order be cancelled and money returned. The seller stated they would contact me to resolve but they never did. I filed a dispute with PayPal and advised the. That I never received the products that I bought. PayPal looked into this and magically the seller sends PayPal a tracking number for USPS. Keep in mind it has been several weeks since my order and I never received this tracking number. When I look up the tracking number it said it was delivered by usps on XX/XX/XXXX. I absolutely never received this package. After further research into this company I found numerous websites stating that the company was a scam and that they will never send you what you bought. This was shared with PayPal but they did not listen to me. They said that since the tracking number said it was delivered there was nothing I could do. I dont believe that PayPal really researched this issue and if they did that did a half XXXX job. They were next to impossible to contact and no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: IL

Complaint narrative:
Today, XX/XX/XXXX, I got an alert from XXXX XXXX, that a New Collections Account from Jefferson Capital XXXX had been added to my XXXX  XXXX file for an old XXXX XXXX bills, that I had previously disputed with CFPB back in XXXX. I have never received anything from Jefferson Capital and do not understand how they are able to add an item to my credit report without first contacting me so that I can dispute. I spoke with a Representative from Jefferson and advised that " I DO NOT OWE THIS DEBT TO XXXX OR TO JEFFERSON AND PLEASE VALIDATE THE DEBT ''. He advised that they are the owners and I now owe this factious debt, I still advised that " I do not owe this amount to you or XXXX '', please remove from my credit file for XXXX  ASAP. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I will fax the relevant data separately as I need to include a copy of the advertisement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: NV

Complaint narrative:
These are not my accounts. This is a second request. Please remove them. Note that I am not a credit repair company nor a mortgage company. 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 2020-12-01 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: NV

Complaint narrative:
These are not my accounts. This is a second request. Please remove them. Note that I am not a credit repair company nor a mortgage company. 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 2020-12-01 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: NV

Complaint narrative:
These are not my accounts. This is a second request. Please remove them. Note that I am not a credit repair company nor a mortgage company. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
I was contacted by The XXXX XXXX XXXX rep on XX/XX/10 and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.

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 2020-12-01 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:
I was contacted by The XXXX XXXX XXXX rep on XXXX and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.

Company response to consumer: Closed with explanation