vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX debt collector SouthWest Credit System is attempting to try and collect on debt that was previously removed from collection agency named XXXX XXXX. XXXX XXXX credit agency 's did not verify the account back in XXXX of 2019. This past week the new collection agency reported to XXXX  and XXXX. I would like them to remove the attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax reporting inquirys i did not consent on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Fraudulent Activity on my Pre-Paid Unemployment card over 6 weeks ago. Complete run around since. On XX/XX/XXXX I called and reported fraudulent activity on my pre-paid unemployment card. I went to bank the morning of XX/XX/XXXX to withdrawal my weekly benefit and to my surprise it had already been withdrawn. I then called the fraud department of BOA who took my statement closed the card and said they would reissue a new card and that i would be given a provisional credit within 7 business days. Well i never received credit! I did receive new card which worked for 1 week only and then i was told XXXX froze the card. I have since spoken to XXXX whom asked me to send appropriate documentation to them which was done on XX/XX/2021. I confirmed receipt with them on XXXX, 2021 in which they said they sent over documentation to Bank of America on the freeze tracker form. Well here it is XX/XX/XXXX another day of contacting BOA customer service, claims, and that fraud department. As well as contacting Nevada XXXX who once again tell me that i have done all that i can and that they sent everything to Bank of America so its it their hands. Another day of XXXX  telling me they don't know why BOA unilaterally instituted a policy that required XXXX  to check recipient 's identity after they report fraud. So first i get robbed via an ATM i have never been to and then it continues with me being re-victimized every week by BOA. Not only does BOA claims department refuse to work on my claim until my account is unfroze, i can not access any money in the account and Nevada XXXX  keeps depositing money in the account weekly and I can't access that either. I have been on an endless loop of calling BOA claims, customer service, and BOA and XXXX fraud department. I have done all i have been asked to prove that i am who i am. Meanwhile another week passes with BOA stealing my money again. Today i was transferred 16 times within BOA and nobody knew a thing on what to do. I would just like some real help in getting access to my account and monies and having my stolen funds returned. I hope someone and BOA Corporate knows how to help. I am also going to file a complaint with the Consumer Financial Protection Bureau as i have no idea how BOA is able to unilaterally institute a policy that absolves them of responsibility for adhering to Fair Credit Billing Act, which requires that i get a provisional credit within 20 days while claim is investigated. but, not only have i not got this by law mandated credit but BOA claims will not investigate claim while my account is frozen.

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: Unexpected or other fees — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
Recieved a XXXX  package with a USBankReliacard inside. Did not order this, nor does any of the packaging look reliable. The number on the back is not for a USBank. When you go to the website on the sheet it does have a place for " if you recieved this card without requesting '' Then you have to input your information on the next page. I believe this is Fraud and possibly a way to steal my information. I have looked at my credit report and there is nothing on there that is Fraudulent.

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 2021-02-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, someone cleaned out my unemployment account ( managed by bank of america ) through an ATM. My card has never been out of my possession and I have no idea how they spoofed my card or obtained my PIN number as I'm extremely cautious. 
I reported it immediately to Bank of america, created a fraud claim and requested a new card, that I paid extra to have expedited. 
Upon receiving my new card I was unable to activate it. I was also no longer able to log in to my account online. 
Instead of investigating the fraud, Bank of America froze my account. 
They told me it was frozen by Nevada Unemployment ( XXXX  ) and that I'd have to contact them to unfreeze it. 
After hundreds of calls to the impossible to reach XXXX, I was informed by an unemployment employee that Bank of America has frozen tens of thousands of accounts, and is requiring XXXX  to verify the identity of each individual before they will unfreeze the account. BofA is overburdening an already overburdened system and leaving tens of thousands of unemployed people in an even more dire situation than they were already in due to Covid closures. 
I received a letter from Bank of America that stated simply that my fraud claim has been denied. 
I have filed a police report regarding the theft from my account, and no action has yet been taken. 
I made an effort to obtain the ATM security video from the bank of america branch where my money was stolen, but was told that because my account is frozen they can not access the info they need in order to review the video. 
I've been researching this issue and have connected with dozens of other victims ( out of tens of thousands ), and due to the timing and scope of this issue I have come to believe that Bank of America must have had a data breach sometime in XXXX that they didn't report. This caused tens of thousands of already struggling unemployed people to become victims. To cover their losses, bank of america is putting up roadblocks making it nearly impossible for us to unfreeze our accounts. 
Somebody, please! Needs to look into this and help us. Some of us have been fighting this for a couple of months to no avail.

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 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion reporting inquiries and closed accounts on my consumer report i did not consent

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 2021-02-05 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

Complaint narrative:
XXXX XXXX XXXX, offers me for XXXX XXXX on XX/XX/21, tells me that I sent my bank data from USA, to make the payment, I proceed to send them my BANK OF AMERICA data, but it is not until the day XX/XX/21 that the person confirms that they had already made a deposit and that they had deposited more than the amount, {$6000.00} ( the amount to be canceled was {$2400.00} ), that I verified in the bank, I proceeded to verify in the bank and it was the money available ( in my checking account of BANK OF AMERICA ), not blocked, {$6000.00}, I inform him that there is correctly {$6000.00} as he informed me, he tells me that the difference will please return it to him and he gave me the account numbers in use of BANK OF AMERICA also to return them, I proceeded and returned the surplus, one for transfer {$2500.00} and another for XXXX {$1000.00}, on XX/XX/21 at around XXXX XXXX  the bank sent me an email telling me that I had a balance negative on the account, I log into my account and realize that the deposit is After being withheld, I call the bank and they tell me that a check was deposited and that I must wait until the next day for it to finish clarifying the status of the check. The next day the full deposit that had been made to me of {$6000.00} was reversed. I called the bank again, I explained the situation to them, so that they would please reverse the 2 transactions that I had made for {$3500.00}, they tell me that they will take the scam case and the transactions enter into dispute and that it can take from 10 to 90 business days. On XX/XX/21 I check the deposit through the BANK OF AMERICA online banking and I see that the deposited check is from the XXXX XXXX XXXX  of a company in XXXX called XXXX XXXX XXXX. I looked up their phone number on the internet and called them, asked for an email, and sent them copies of the deposit and the check. So far the company has not responded to me and neither has BANK OF AMERICA XX/XX/21, 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 2021-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I entered into a forbearance with LakeView Loan Servicing. I am wanting to end the forebearance and begin making regular payments. I am being told I will have to repay the total amount back in one lump sum. I was told there is a partial claim loan with HUD but Lakeview will not respond to any of my requests. I call several times a week and get put on hold or get disconnected. I have emailed the company with no response. I have asked for my FHA case number but the representatives do not have that access and no one at the company will respond. I have asked to speak with a manager but had no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA ( debt buyer ) /speedy cash XXXX debtor ) keep placing on credit that I owe them over {$2000.00} dollars on a {$800.00} dollar loan. I have no paperwork of owing that amount but I have several emails on the original amount owed, payment and an email that they owe me a reimbursement. The also call and act like a government agency when contacting me. The 3 credit bureaus refuse to remove from credit reports. They keep buying this old debt and placing it as new on my credit reports. This was opened in XXXX on credit NCA is reporting like I have a new loan in XXXX with there company. On XX/XX/XXXX they marked it as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Upon learning that this collection account was reported to my credit report, I contacted the collection agency to first validate the debt and second to provide me with my signed HIPPA authorization letter giving them access to my medical information. I provided to the company a copy of my EOB ( Explanation of Benefits ) showing the claim was processed and paid in full. I also reached out to the Medical provider to validate that the account should NOT be in collections. I was told by the company that the EOB is NOT enough validation for them to be satisfied that the debt is not owed. I feel that my consumer rights as well as my Medical Privacy has been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Atlanticus Services Corporation
State: LA

Complaint narrative:
XXXX XXXX Debit from my checking account XXXX  XXXX XXXX Debit from my checking account XXXX I have talked to the credit card company on both times. was told that I sch. the payments for payment I disputed their statement. I have no idea who their agent is but someone needs to be held accountable there has to be laws for this person has done toi me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Well to start XXXXt sent money to PayPal and I'm not sure how that happened I didn't have an account with PayPal nor did I want one so I went to with draw my money an the account had a limitation put on it and if I recall I did not recievr an email telling me why an then the next thing I know they had a 180day limitation put on so I waited 180 days no email so I call PayPal they didn't give me any reason why no email then the next thing I know my account has me locked out so I call PayPal they tell me there is nothing they can do or tell me that I have to wait for an email so I've waited 3weeks an still no email an there help line still can't do anything so I don't think this is right the amount is XXXX dollars that they are holding an I need the money for bills in this time of the pandemic that we all are having to endure so I'm hoping you can get me some information to what is going on and if I will get my money or if I have to take further accion or if I will get my money at all I've read dozens of complaints about PayPal people having the same problem an them getting no were an not receiving there money after a180days so it has me very worried that I will be in the same boat as them this isn't right what PayPal are doing to all these people whom have there money in a PayPal account or what ever it is PayPal considers them selves so thank you very much in your helping me with my delima. will be waiting to here from you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received notification that a collect account was reporting to my credit report from an account I have no knowledge of. I spoke to the original creditor who asked that I submit a fraud complaint form and I would receive resolution. The complaint was submitted and I was left a voicemail that the debt was validated based on a match from public records. I requested a signed original contract as well as any and all validation they have to prove this is my account and NOT a result of fraud. I have since proved to the CRA 's that the " public information '' is inaccurate and it has been removed from my file ( i.e. address ). The collection agency was able to provide me information regarding the debt by locating the account using my SSN. They provided me with the Account number which has lead me no where with the Original Creditor. When speaking to the original creditor, I have been advised they ( the front line representative ) is unable to discuss the account without the account passcode. I informed them seeing as how the account was established without my authorization, I do not have that information. I have been unable to receive resolution from either the original creditor nor the collection agency that is reporting this debt.

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 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Amazon-sync bank has not taken this off my XXXX XXXX credit report! This matter was already dropped and taken off my other report! I want this company to take this error off both of my credit reports! I never applied for nothing with Amazon-sync and they shouldnt have the right to put derogatory remarks on my credit 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 2021-02-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a copy of a letter I received from XXXX XXXX XXXX dated XX/XX/XXXX telling me XXXX XXXX XXXX would request a fraudulent hard inquiry to be removed from my credit reports. Today, over 7 months later Equifax has not removed this fraudulent inquiry from my credit report. I also sent Equifax a police report related to this on XX/XX/XXXX. Equifax is supposedly investigating this as confirmation # XXXX. I spoke with them yesterday XX/XX/XXXX and they dropped my call after 45 minutes on the phone with them without them giving me any status information on this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VW Credit
State: GA

Complaint narrative:
In early XXXX my XXXX XXXX XXXX was repossessed by VW credit and then sold at an auction. Under Georgia repossession laws VW credit was to have sent me a loan deficiency letter stating what the balance of my loan was. Being that I never received anything I assumed that the debt was satisfied. Now I am in the process of buying a house I see that VW credit is still attempting to collect the loan. Under GA law I should have been notified by VW credit in writing by certified mail any balances owed within 30 days being that they havent done that they can not legally collect on the debt. At the time of having that loan I was going through a very rough financial time and was unable to pay all of my bills my auto loan included. Now I am getting back on my feet and repairing my credit to get a house for my XXXX XXXX and our upcoming family and this debt is preventing that from happening. I am asking that VW credit do the right thing under the law and remove this debt. Please do not punish my growing family for my financial mistakes. 


XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
We financed flooring at XXXX XXXX with a 24-mo. Interest free promotional period. Financing was through : SYNCHRONY BANK XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX When we reached the end of the interest free period we were told our monthly payments were late every month - even though we were never told until the end of the promotional interest free period. We made payments via auto-draft of {$170.00} every month to completely payoff our balance only to find a {$40.00} draft was assessed each and every month on our account plus now 29.99 % interest going back to day 1 - even though we more than paid the balance in the 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 monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Almost every day, a collections agency keeps reporting the same wrong collections to Experian and several other agencies they are allowing this company to report the same wrong issue and therefore my FICO credit score takes hits. I am trying to open disputes but theyre closed and they side with the aggressive power XXXX XXXX XXXX which is known for their bad behavior ( your agency has sue them numerous times ) this company will not return my attorneys or my letters or calls to rectify and they are illegally violating my rights pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. This company wont produce the documents to verify these collections.

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