vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America Account # XXXX. 
XXXX XXXX of XXXX persons. 
XXXX : claim # XXXX Check # : XXXX XXXX : {$85000.00} Bank names above withe connection to named none-profit organizations XXXX. Opened and fund accounts # XXXX and issue check from the bank of America Account number XXXX route # XXXX check amount of XXXX. To XXXX XXXX. And open. Tread account with XXXX XXXX and trade on behalf of my good name to get service and good without my permission or consent. Around 2001 up to date. Still no resolve of my matters. And am seeking to resolve this issue.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX my spouse and I stayed at XXXX XXXX in XXXX, FL. I paid in advance for the room charges of {$1000.00} using my bank account. Upon arrival I placed my capital one credit card on file for incidentals. When I checked out I was told my bill was paid in full and we departed. The hotel somehow made an error on XX/XX/21 with their accounting and refunded all room charges to the capital one card since it was the last card I had on file. My card balance reflects - {$1000.00}. The hotel realized what they did and needed their money back plus the incidentals which they failed to process of {$250.00} so they tried to charge my capital one card a total of {$1200.00}. I hold a {$500.00} credit line so capital one is declining to accept the transaction. 
I've attempted to call capital one and rectify this but they claim they can only mail a check directly to me so I accepted. It's been a week and it hasn't arrived yet and the hotel is getting anxious over this. I called the credit card company again tonight and they still refuse to allow the transaction to go through even with a negative balance on the card that doesn't rightfully belong to me or the card company. 
I have enough of a credit line to cover the incidentals after they refund is removed but capital one says my credit line isn't sufficient. 
I was forced to try and increase my credit line, taking a hit on my credit score and in the end, I didn't get enough to make this transaction happen. 
There is no reason capital one can't return the refund to the hotel and allow them to charge the {$250.00} I still owe. 
I'm concerned this will cause me litigation from the hotel all because capital one is illegally holding onto money that doesn't belong to them and drawing interest off of it as well. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I took out a loan for {$8000.00}. I signed a contract that said I would be charged an armorization fee of XXXX but if I paid my loan off early I would get that back. I made 9 payments of the {$230.00} the told me to pay and each month my owed amount was always above {$800.00}. When I did the math that mean out of {$230.00} XXXX $ of each payment was going to interest if you subtract the XXXX from the XXXX, XXXX dollars i had paid. I was given a paper saying I would pay XXXX in interest over 60 months but just in the first 9 I had already paid over XXXX and my loan amount was still over XXXX When I asked they said it was correct so I sent them XXXX to pay off the loan however a payment came due before they got the check for XXXX and i had to pay another XXXX the sent me back XXXX after I complained however I should have gotten the XXXX back as well as not have paid that much in interest according to the armorization schedule I have. They have completely ignored me about this even though I have the contract that shows they now owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I received a letter from GLA Collection Company dated XX/XX/2019 regarding a medical debt for {$42.00} that I did not owe. On XX/XX/2019 I contacted my doctor 's billing office and they confirmed I did not have an outstanding balance and that this was not a valid debt. They also stated that I was the 3rd person to call on this day that also received similar letters and that none of those were valid either and that GLA Collection Company made a mistake and sent these letters in error. I then mailed GLA a letter disputing the invalid debt along with this information and requested they cease communication with me ( Mailed on XX/XX/2019 & received by GLA on XX/XX/2019 ). 
2 years later, I receive an automated dialer call with a pre-recorded message on my cell phone from GLA. After several minutes I am connected to an agent asking me to pay on this same invalid debt. 
GLA Collection Company needs to correct their records on this invalid debt that they have refused to validate with my medical provider. They also need to stop calling me with an automated dialer with recorded messages as I have never given GLA permission to call my cell phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro collect called me numerous times for no reason. They left no information on why they are calling repeatedly. I can not afford to repay my student loans or anything else because I have been adversely affected by the COVID-19 pandemic, I am unemployed, and have been homeless twice within the past 2 years. Proof of homelessness and financial hardship can be seen on my prior collection company complaints.

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 2021-01-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, Experian reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX  which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but Experian has refused and has added more incorrect reporting.

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 2021-01-15 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2020 I ordered flowers from a company called XXXX XXXX XXXX XXXX. The charge for the flowers and delivery was {$130.00}. The company charged me seven times for the one delivery. After the vendor did not resolve this as promised I contacted Citibank by phone. They initially issued 5 credits when it should have been 6. Over the months credits have been reversed then reinstated and at this point Citi still owes me 2 credits ( case # XXXX XXXX XXXX and case # XXXX XXXX XXXX ). These disputes have been outstanding for over 60 days and despite multiple calls and emails no-one can tell me why they can't be resolved.

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 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
After having funds deposited from NJ Unemployment, Charles Schwab froze my account. I now have no access to my brokerage account or my unemployment funds. The documents they had requested I already submitted. Currently feels like my unemployment funds have been stolen by Charles Schwab during these very trying times.

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 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
debt collection agency claims i owe them money. i want proof of contract from company they claim I owe. i did not enter into any contract with this agency and do not plan on giving them money with out proof of contracts. " ORIGINAL '' Contract document, and contract i have with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX  reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but XXXX  has refused and has added more incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, Experian reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but Experian has refused and has added more incorrect reporting.

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 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
Unauthorized transfer of funds from my account to another persons. It was the very last of my money and chime refuses to escalate my case and investigate, even though the account was hacked because of THEM, not me. I never leave my phone sitting out anywhere or my debit card so there is no possible way this was my fault the money was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OR

Complaint narrative:
Ok so in XXXX my house burnt down XXXX XXXX county oregon wildfires, then had to move, bank, made a few errors by sending my card with pin to wrong address muilple time stuff / money was stolen like 10 thousand out of account made police report, showed bank was not even in that city, and was denied refund

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 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Leaders Financial Company
State: NJ

Complaint narrative:
This loan from Leaders Financial is not my. XXXX XXXX is responsible for this account. I wish this to be removed out of my account because its not mine. I tried disputing but its not letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: MS

Complaint narrative:
I never received any correspondence from this company to advise me of this account. I found out when I received an alert when it was added to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: FL

Complaint narrative:
While looking over my credit, I realized that there are some accounts that are incorrect. These derogatory accounts were not approved by me and are not mine. There is not anyone other than myself who has access to my credit report so I do not know how something like this could have occurred. Please investigate this issue and have these false accounts deleted from me credit file. I am unable to acquire new credit now because of them.

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 2021-01-15 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: FL

Complaint narrative:
While looking over my credit, I realized that there are some accounts that are incorrect. These derogatory accounts were not approved by me and are not mine. There is not anyone other than myself who has access to my credit report so I do not know how something like this could have occurred. Please investigate this issue and have these false accounts deleted from me credit file. I am unable to acquire new credit now because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
CREDITORS DISCOUNT & AUDIT contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.

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 2021-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I have an FHA mortgage loan with Firdt bank PR, in which I accepted the moratorium starting in XX/XX/XXXX due to the pandemic. I work as a XXXX  and I was very affected economically by this situation. In XX/XX/XXXX they tell me that I do not have to make payments until XX/XX/XXXX. In XXXX they tell me that I do not qualify for the moratorium, that I have to pay the 6 months in arrears. My economic situation prevents me at this time, I was only not affected by the pandemic, also by the earthquake of XX/XX/XXXX. My workplace was seriously affected, it is in the town of XXXX. I hope you can help me since I have XXXX underage children and I don't want to leave them on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since XXXX and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XXXX, LoanCare LLC provided a Mortgage Payoff Statement ( ATTACHED ) with the following fees prohibited under Regulation Z, 12 CFR 1026.34 : Processing/Recording : {$190.00} Statement Fee : {$30.00} LoanCare did not provide a processing fee disclosure prior to charging these fees, and the county recording fee is a fraction of what LoanCare is charging.

12 CFR 1026.34 Regulation Z states : " ( 9 ) Payoff statements ( i ) Fee prohibition. In general, a creditor or servicer ( as defined in 12 CFR 1024.2 ( b ) ) may not charge a fee for providing to a consumer, or a person authorized by the consumer to obtain such information, a statement of the amount due to pay off the outstanding balance of a high-cost mortgage. 

( ii ) Processing fee. A creditor or servicer may charge a processing fee to cover the cost of providing a payoff statement, as described in paragraph ( a ) ( 9 ) ( i ) of this section, by fax or courier, provided that such fee may not exceed an amount that is comparable to fees imposed for similar services provided in connection with consumer credit transactions that are secured by the consumer 's principal dwelling and are not high-cost mortgages. A creditor or servicer shall make a payoff statement available to a consumer, or a person authorized by the consumer to obtain such information, by a method other than by fax or courier and without charge pursuant to paragraph ( a ) ( 9 ) ( i ) of this section.

( iii ) Processing fee disclosure. Prior to charging a processing fee for provision of a payoff statement by fax or courier, as permitted pursuant to paragraph ( a ) ( 9 ) ( ii ) of this section, a creditor or servicer shall disclose to a consumer or a person authorized by the consumer to obtain the consumer 's payoff statement that payoff statements, as described in paragraph ( a ) ( 9 ) ( i ) of this section, are available by a method other than by fax or courier without charge. ''

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