vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a very loyal customer of Bank of America for the past 20 years and have frequently used international wire transfers for transferring money from my USA account to my account here in XXXX. 

I have both USD & XXXX XXXX account in XXXX in " XXXX XXXX XXXX  '' and up until couple of months back, very easily I was able to set wire transfer online using bank of america 's website. I would transfer amount in US Dollars and Bank of America would charge {$45.00} as transfer fees, this was all working fine for me. 

Few days back I tried to schedule another wire from Bank of America for transfer to my XXXX based USD account, to my surprise - Bank of America 's website refused to do the transfer stating that oh " by law we need to tell you exactly how much fees will be charged but we can not determine that from your bank so we are unable to transfer to this account in US Dollars. However, you can try to transfer in XXXX XXXX and we won't charge you any fees for that ''. 

I thought, I convert my dollars anyway in XXXX XXXX here so why not let 's try to send money in XXXX. There I found that they are giving me an exchange rate of XXXX XXXX per dollar compared to the rate of XXXX per dollar here in my XXXX bank ( and in the international market ). WOW - so previously, for XXXX dollars, I would get XXXX XXXX but bank of america is giving me XXXX XXXX. That's XXXX XXXX which is XXXX US dollars compared to {$45.00} flat fee that they used to charge and the more I want to transfer the more I would have to pay. 

This is completely non-sense. They are hiding behind the execuse that we can't transfer to this bank in USD because we can not determine the fees, but they don't have any problem transferring in XXXX? The other bank doesn't charge different fees for US Dollars or XXXX so if they can determine what would be the XXXX charges, they are the same for US Dollars so this is a complete non-sense basicaly forcing customers to transfer in local currency so they can make this huge 5 % on the exchange rate.

It's a complete rip-off and we would like your help in making them correct this. I have account in other US banks and they are not forcing the customer to send in local currency. So if other banks have no problem, Bank of america should not have either. We can also consider sending in local currency but they can't give exchange rate of their own choice, even if you go to any other international money transfer company like XXXX XXXX, XXXX, XXXX, you can see that they give you a very competitive rate compares to international market, but Bank of america is ripping it's customers by charging as high as 5 % of the exchange rate and forcing customers to send in local currency.

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 2020-12-25 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: NC

Complaint narrative:
On XX/XX/20 I sent certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) to LVNV ( Resurgent Capital Service ) requesting proof validation of this debt bearing my signature. They were unable to provide proof of this debt ; however, they sent a copy of any account statement which is not bearing my signature. I have made several attempts via certified mail. Dates of requests as follow :XX/XX/202Certified Mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 Certified Mail ( XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX, XXXX XXXX XXXX  is also unable to provide validation of this debt. I have a current credit account with XXXX XXXX XXXX. 

I have also disputed this account with and neither credit bureau provides proof of this debt XXXX  on XX/XX/20, XX/XX/20, and XX/XX/20. Credit file # XXXX XXXX  XX/XX/20 Credit file # XXXX, XX/XX/20 Credit file # XXXX, and XX/XX/20 Credit file # XXXX. 
XXXX  XX/XX/20 Credit file # XXXX and XX/XX/20 XXXX. 

I also filed a complaint with CFPB, complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I sent a complaint to M & T Bank and they did not respond to my question instead M & T Bank replied with useless documentation. I am requesting that M & T Bank : 1 ) Show me a financial transaction record of monies received from XXXX XXXX  to pay-off my Hudson City Savings Bank mortgage XXXX. I need to verify if the amount that they received from XXXX  XXXX to pay-off my mortgage. 

2 ) Confirm that HCSB has no record of receiving any money from XXXX  XXXX. 

XXXX  XXXX NOTE is contingent on my receipt of a {$130000.00} loan from XXXX  XXXX. If HCSB has no record of receiving the money than please let me know because according to the NOTE XXXX  XXXX  prepared HCSB was not the intended payee. XXXX  XXXX claims that the contract is bound because the document is initialed. All I can say is that I would never initial the NOTE unless I received the check from XXXX  XXXX. XXXX  XXXX has no proof of paying anyone and there is no record of the mortgage being satisfied, no release of lien and no discharge of mortgage. In addition the XXXX XXXX insurance legal description is not any where near the deed location.

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 2020-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to Sears requesting a validation of my account. As per USPS tracking, the letter was received on XX/XX/XXXX. On XX/XX/20, I pulled my credit reports and it showed that there was no negative dispute remarks on the reports. I checked my credit reports again on XX/XX/XXXX, 31 days from the day they received validation letter. There were no dispute remarks added by Sears to my credit reports. They violated the FCRA by not placing a dispute notification on my report within the required 30 day period. I sent a follow up letter on XX/XX/20, requesting to remove the charge off account from my credit reports within 30 days but it has not been removed.

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 2020-12-25 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
THIS ACCOUNT IS REPORTING UNDER DIFFERENT NAMES. ITS A PAID OFF COLLECTION REPORTING PAST DUE AND CHARGEOFF AND IT SHOULDNT BE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
It has been the last 2 years of me requesting Debt Validation ( FTCA section 609 ), filed theft affidavits that showed my XXXX XXXX credit cards was stolen and used at the time and I was not legally responsible. Portfolio Recovery Associates has passed the buck and said they would get back after investigation for 2 years. I have emailed XXXX XXXX and now about to seek legal action. This is my final attempt to resolve this inaccurate credit report. I have lost my job behind this and now have anxiety and stress related to this collection agency. I have never received by signed signature in any transactions as requested. I was sent a statement by XXXX  which clearly isnt what the law requires when validation of a debt. Especially when. Y card was stolen. At the same time was XXXX XXXX was compromised and they are doing the same thing with this passing the buck to some Attorneys that forced me to pay {$200.00} and never reported it or validated they would help from my stolen cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Credit card is reporting that in XXXX 2016 I was late 60 days. I was the victim of fraud. My card was lost and the card was used without my knowledge or permission. This was reported to TD Target at that time. Prior to that my balance on the card was {$0.00}. I was told that I was not responsible for the charges, the fraud investigation was resolved in my favor. While under investigation for those two months I did not pay on the disputed charges. Now TD Target reports me as late when it was determined that those charges were not made by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25 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: MS

Complaint narrative:
I purchased a leased vehicle in XX/XX/2020 and after i got home the car would not come out of park. i called the company XXXX XXXX XXXX address XXXX XXXX XXXX XXXX tn XXXX and they sent me to a mechanic in XXXX XXXX and he said he could not fix it but he told me there was a hole next to my gear to where they had been sticking a strew driver in there to make the gear come out of park and he gave me a strew driver to use until i could find a repair shop. so i called XXXX XXXX again and they sent me to a mechanics in XXXX, ms called XXXX XXXX XXXX and i took a chance driving it there and was trailed by my fiance. so in XX/XX/2020 took it to XXXX XXXX XXXX and left it there it took so long to fix almost 3 weeks and there was also other issues lots of wind sounds in car loud noise and not able to keep it in the road. so i decided i didnt want to take a chance on a car with all those issues so i made and agreement with the company when i spoke with XXXX to get the car from shop and they would not put the car balance on my credit and do a unwind and take it off my acccount. but 3 months later they called me and said that i had damaged the front of the car it had a lot of starches and i was really upset about that cause i had not even driven the car anywhere but the shop. XXXX XXXX stated that the towing company that picked the car up said it had damaged to it when they picked it up which it was no damaged when i took it to the shop. i called the shop on XXXX XX/XX/XXXX and they stated that XXXX XXXX let the car sit here 3 weeks before picking it up and the shop stated that if any damage occured it was when the tow company picked it up. so i never even knew of any damages they claiming until 3 months later. they never showed me pictures or even wrote me a letter. i think they claiming i damaged the car cause i was insisting they take the balance off my credit and they keep telling me they was gon na fix it until 3 months later coming up with damages to the car i suppose to have did. XXXX XXXX XXXX said that XXXX XXXX can call them and they will verify that the car was not damaged when i took it there and when i told XXXX XXXX what XXXX XXXX XXXX said they told me to just get my lawyer and to have my lawyer call their lawyer because they was not gon na take the balance off the account and they wont even say where the car is i never even took possession of car from the shop and they expect me to pay XXXX dollars for a car i dont even have possession of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were not mine.

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 2020-12-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were not mine.

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 2020-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MD

Complaint narrative:
It has been the last 2 years of me requesting Debt Validation ( FTCA section 609 ), filed theft affidavits that showed my XXXX XXXX credit cards was stolen and used at the time and I was not legally responsible. XXXX XXXX XXXX has passed the buck and said they would get back after investigation for 2 years. I have emailed XXXX XXXX and now about to seek legal action. This is my final attempt to resolve this inaccurate credit report. I have lost my job behind this and now have anxiety and stress related to this collection agency. I have never received by signed signature in any transactions as requested. I was sent a statement by XXXX which clearly isnt what the law requires when validation of a debt. Especially when. XXXX XXXX was stolen. At the same time was XXXX XXXX was compromised and they are doing the same thing with this passing the buck to some Attorneys that forced me to pay {$200.00} and never reported it or validated they would help from my stolen cards.

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 2020-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.

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 2020-12-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: TX

Complaint narrative:
I've recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.

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 2020-12-25 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: CL Holdings LLC
State: TN

Complaint narrative:
The account is unknow to me and the collector did not verify the account, please send me the original contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
The account is unknow to me and the collector did not verify the account, please send me the original contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The account is unknow to me and the collector did not verify the account, please send me the original contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Please send me how you suppose this account is mine, I need proof of validation, this account is in violation because I have never did business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I paid this loan off, but they are still showing a charge off amount on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The GAP/The synchrony Bank without permission, placed my billing under the billing which means, I DO NOT RECEIVE ANY PAPER STATEMENTS. If I didn't see that one email i would have never of know about a bill that was due because it was never mailed to me. I have been receiving paper statements for over 10 years. 

This is what I wrote to GAP ; XXXX, you don't have a right to change my billing to ebilling without consent. I spoke with a rep at synchrony bank and was informed that the change was made on XX/XX/2020 at XXXX. I never consented to this. I will me filling a complaint with the FTC as NO CONSENT was allowed to change the billing delivery from paper statements to e- billing. This would of caused problems as DO NOT have access to a computer.I 'm requesting for 30 % off promo code for the hassle.

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