vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My name is XXXX XXXX. I am a resident of XXXX, Massachusetts for thirty years. For the past thirty years, I have worked so hard to always hold my best credit scores and clean history. I have also been a loyal and excellent customer to Bank of America ( BOA ) for the past thirty years. There has never be anything like this happened in the past.

I had asked the representatives at BOA long time ago to set up the alert system in my credit card account for the fraudulent protection. And BOA had set up the alerts for me. And if there are three or more charges occurred consecutively in my account, BOA shall deny the charges and notify me immediately through phone messages. And in fact, there were few occasions that my own charges were denied due to frequent activities in my card. NO DOUBT that I was very confident for the protection provided by BOA Company. 

But on XX/XX/2020, I was surprisingly find out that there were a total of 11 unknown items charged into my account from XX/XX/XXXX-XXXX, TOTAL amount : {$420.00}, but I have not received any alerts from BOA AT ALL ! 9 of the 11 charges were made on XX/XX/2020 consecutively at different local fast food companies at the times while I were busily working. I called BOA immediately, and they first have issued a credit for {$340.00} on XX/XX/2020. But later on XX/XX/2020, they have reversed the credit, and hurtfully blamed me for making all the fraudulent charges. I then appealed to many different BOA personnel for so many times, including the Managers, but the issues have never got resolved. BOA has played the games with me by asking me to find the proof from the merchandise companies. But the merchandise companies have directed me to talk to the BOA, because they could not possibly go back to their original purchase records. I have finally realized that BOA has never been sincerely to resolve my fraudulent issues, instead by easily making a case to blame and against the fragile customer like me. 

BOA know that they are responsible for providing the protection for their consumers! And they have failed to send any alerts for 11 so obvious fraud charges, something is wrong with their system. I have already terminated my credit card service with BOA. As a consumer, I only have the responsibilities to pay for what I have spent, but not for the fraudulent charges. It is BOAs responsibilities for watching over their customers account! I was so desperate and can only file the complaint with CFPB. I herewith ask you to please help to resolve the issues and to protect my credit reputation. 

Sincerely, 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 2021-01-18 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: LA

Complaint narrative:
Tranusnion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-01-18 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: OR

Complaint narrative:
I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The XXXX data breaches, and Equifax Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I called and requested a 30 day payoff, I was told the steps I needed to take to get the information sent to me. I sent the fist letter on XX/XX/21, after not hearing from them, I reached out to them again and this time was told that I needed to sign the request and resend it. I did that and still no response. I have tried calling and getting no answerer, so I decided to fax then the same letter again to phone number that they provide on their statement XXXX, this number never picks up so the fax is no good either. My home is almost paid off, I just want to pay it off, any help that you can give me would be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
This debt is not mine I have no knowledge of this debt it belongs to someone with similar name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Capital one account # XXXX in regards to the lates reported for the following months XXXX, XXXX XXXX and XX/XX/2020. Due to Covid I was having a hard time getting these payments made. I hope you can help me out based on the CARES ACT and update these to not reported in the above months. I am trying to maintain good payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2020, someone in another state bought a XXXX card and had my current phone number fraudulently transferred to it. From there, they were able to hack into my email and change all my passwords to my financial institutions. One of these involved Citibank. I had a Money Market account and a credit card, both in good standing, with them. They changed my password, logged in under me, opened an account fraudulently, then transferred {$1400.00} from my Money Market account, and did two cash advances ( done online ) for {$800.00} and {$1000.00}, then transferred that to the fraudulent account, then transferred it out of the new account, all within 45 minutes. I have gone back and forth with them since XX/XX/XXXX, and they have denied my fraud claims a couple of times, so I keep having them dispute the denial. They are saying that since my address, phone number, and email are all correct on the fraudulent account, then it wasn't fraud.

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 2021-01-18 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 applied for a personal loan today XX/XX/2021 and I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Capital one account # XXXX, the issue I would like to discuss is a late pay reported in XX/XX/XXXX and XX/XX/XXXXXX/XX/2020. I was unable to make the payment due to Covid. I did get this account paid and current as soon I was able to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
I received a medical bill for approximately {$600.00} from XXXX XXXX XXXX XXXX  I didn't pay this because it wasn't submitted to my medical insurance properly. So it was sent to a collections agency. After speaking repeating with XXXX XXXX XXXX XXXX, they resubmitted to the insurance company and they paid {$450.00} leaving a balance of {$160.00}, which I paid to XXXX XXXX XXXX XXXX on XX/XX/2020. 

The problem now is a collections company called Access Receivables calls me multiple times a week demanding {$600.00}. I've told them to stop calling and it continues. They call me from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was charged a 5 % fee for funds that were held but not dispensed to me in my paypal account. The funds were " placed on hold '' for over 2 weeks, but withdrawn from my account and I was still charged a fee. I never had access to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got scammed last month when I had to deposit a fraud check into my account and cash out the rest of it. A few days to the next week, I saw my checking account for Wells Fargo turned into a negative balance in which I did not do. When I checked the transaction, it said returned item unpaid which said {$5700.00}. I filed a claim to Wells Fargo, waited 10 business days and it got declined, so they were not able to reimburse me with this situation. Right now, my bank account is overdrawn by - {$2900.00} after my last direct deposit from bank went through when I got paid at my job. I also made a police report and called around for a lawyer and I never gotten refunded. How do I resolve this issue? Because I am really tight on money.

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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I had my credit checked as part of a home mortgage refinance, and received a lower credit score due to a new debt that was associated with my name and social security number. The debtor is lisXXXX XXXX XXXX XXXX XXXX XXXXd the creditor is XXXX XXXX XXXX XXXX. I called Credence who informed me that someone illegally opened an account with my name and social security number in XX/XX/2020 and now has a debt due of {$1000.00}. This is a case of identity theft as the account was not opened with my knowledge or authorization. I do not know how my name and social security number were stolen. The person I spoke with at Credence gave me the following information on the person who opened the account : # XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Credence has sent me a Fraud Packet that I have filled out and sent along to XXXX XXXX XXXX XXXX for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: SC

Complaint narrative:
I lost one of my jobs during the pandemic and my income has suffered. I am struggling financial and trying to keep up all of my payments. I have asked CarMax for help and even asked if they could move the date of my car payment, They have not been willing to help me at all. I got a deferment for one month, but this really didn't help much. I don't understand that we are in a pandemic, I lost income, and my credit has to suffer. I was reported 30 days past due in XXXX XXXX  is the hardest month, I asked for more time and got nothing, I really need my payments moved to the XXXX of the month, This will allow me to pay on time and have a chance to try to try to get the money by the end of the month,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have just checked my credit reports within XXXX XXXX XXXX XXXX. On XX/XX/XXXX BB & T reported my on-time payments for XX/XX/XXXXthru XX/XX/XXXXXX/XX/XXXX. However, when I checked my credit reports, on XX/XX/XXXX, for XXXX XXXX XXXX XXXX XXXX, the reports showed that BB & T removed the receipts of my on-time payments for XX/XX/XXXXthru XX/XX/XXXX. On XX/XX/XXXX, BB & T reported to XXXX, XXXX XXXX XXXX that my last mortgage payment was onXX/XX/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 2021-01-18 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Booked a refundable trip through Chase travel. Could not travel to XXXX cause XXXX was not allowing Americans. We've tried to get our XXXX dollars back. No luck. Chase travel has since XXXX tried to get money back from XXXX air who best we can tell is insolvent. Disputes from Chase Bank says we can't dispute cause it is more than 180 days from the time of the flight. Chase travel never said this was an option until 2 weeks ago. Chase travel is waiting to hear from an insolvent airline to get approval to refund on our refundable tickets.. People need to understand that although these departments say chase the have nothing to do with chase Bank. Chase will not be responsible for mistakes that chase travel makes. No department at Chase will help us get our XXXX. You use a credit card for protection. Using Chase travel though Chase bank is no protection. Chase travel is not directly connected to chase we were told.. Chase won't cover looses secondary to covid even on refundable tickets

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
I had an outstanding debt with XXXX XXXX back in XXXX because somehow my insurance did not cover the entire cost. I paid the full amount directly to XXXX XXXX  in XXXX now Im receiving another bill from collections for XXXX XXXX  which I have no idea about. It was put on my credit report at a time when we are going through a pandemic and times are very tough. 

Collections agency : XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
I purchased an e-gift card and never received confirmation of the card being sent by email nor has the recipient received the e-gift card. My credit card used to purchase the e-gift card was charged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
I received a letter/statement from Chrysler Capital on XX/XX/XXXX stating recurring payments have been disabled and to contact them at XXXX. My account is ten days delinquent. Also stating that I have no valid working phone number ( but I have had the same phone number since XX/XX/XXXX ). The statement said that the principal balance is {$240.00} and pay off is {$240.00}. Every single payment to them was made on time with no problems from my bank. I did not shut down the auto payment and neither did my bank. Chrysler Capital admitted to me that it was them that cancelled the autopay when I talked to them on the phone. I looked forward to that last payment and was glad to have it done or so I thought. I bought another vehicle on the same day from another dealership with a different loan company. I now have title in hand for it with a very nice farewell note. I am still fighting these people and have no clue why. In talking to their representative, her name being XXXX, I was told that I had to send them {$240.00} within ten days or they would report me for debt collection and report me to credit bureaus. I sent the check in that day in the exact amount that they demanded. On XX/XX/XXXX I received another letter from Chrysler Capital stating that they appreciate my payment. However the payment did not satisfy the entire balance on my account leaving a remaining balance. On the date of the letter, my remaining balance is {$11.00} and is good until XX/XX/XXXX. If I do not send the amount in by that time my balance may change if remainder is not sent. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ( in bold caps ) My question is do I have basis for complaint? If I send this new amount, can they just keep tagging on debt and it will never end? Where is my wrong in this or my mistake? I promise you that I was not once late on a payment to Chrysler Capital. 
This is very stressful especially at this time since I have been quite ill for several weeks. Please help me. I know it is not a huge money amount but it is wrong in every way to me and I feel it should be illegal. Will it ever end? How can I make it end? 
I have copies of the letters they sent to me. 
First letter has my account number as XXXX and second letter has my account number as XXXX. How can this be? 

Thank You! 
XXXX Please contact me at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payment 's on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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