vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has reported checking account fraud to XXXX XXXX Consumer Services on an account where Im listed as the joint owner along with my son. I had this account for 5 years without any incidents of this nature or any incidents remotely close. If I committed fraud, why am I still allowed to have an open account with BOA with no restrictions? I have yet to receive any written or clear precise verbal communication as to what exactly took place with the account for Bank of America to make the determination that I committed any type of fraud or that fraud was committed at all. In XXXX, I visited the local BOA branch in my area and was told by BOA representative that the risk customer service department will only be able to provide information in regards to the account. That has not happen. I have contacted BOA over 6 times regarding this information and I only keep getting the round around no direct answers as to what happen. I have disputed this information through XXXX XXXX  and BOA has responded with the information is accurate and indeed it is not and this comment is on my account preventing me from obtaining employment in my field of study of accounting where I have received my degree. I cant open an checking account because of this information. This experience has been a total disaster. Im at a road block and dont know what else to do. I want BOA to provide the specific details as to the reason they have place those comments on my report and to prove fraud occurred in the attempt to defraud their company. I want this comment remove my consumer report so that can continue on with my life. This situation has been life altering and I have done anything wrong to deserve this. Im humbly requesting assistance with this situation to help get this resolved expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report.It has been over 30 days and i have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove 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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As seniors who have put our trust in Wells Fargo Bank it was shocking and devastating to receive notification by mail on Tuesday XX/XX/2020 that our mortgage ( without our permission of notification ) had been put on forbearance in XXXXThe one payment that was paid for that month was removed and put in some other Wells Fargo account that we had no knowledge of until XX/XX/XXXX. 
On the first page of the XX/XX/XXXX notice sent to us it stated that we need not be concerned at all and that Wells Fargo would contact us near the end of forbearance ( no date was indicated ) to discuss options. We assumed to return to our pre-forbearance autopay status. The second page we found cold, confusing and threatening, saying that our house could go into foreclosure and the Wells Fargo could come and look at the property at any time. 
After contacting Wells Fargo and speaking with numerous Wells Fargo employees we are in a state of shock as no one is clear as to what we should do. We have been told a number of different scenarios by Wells Fargo personnel including that if we decide to immediately stop forbearance and return to pre-forbearance status our credit score could be affected as it would be reported that we missed a number of mortgage payments. Or to have our payments reinstated we would need to reapply for our mortgage. 
For our whole lives we have been responsible and have an immaculate credit history. Being retired and on a fixed income we are very careful with our finances. We are shocked and at a loss on how to deal with this. We feel betrayed by a bank we have always banked with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: AZ

Complaint narrative:
XX/XX/XXXX I purchased a loveseat and couch from XXXX XXXX. I applied for their XXXX XXXX/Synchrony XXXX XXXX card and was approved. Purchased the couch and loveseat for {$1500.00} with an equal payment no interest deal. On my XXXX statement XXXX for this card, I noticed a fraudulent charge dated XX/XX/XXXX for {$1700.00}! I did not make this purchase and called the fraud line XX/XX/XXXX reporting this charge as fraudulent. This was investigated and they sent me a letter XX/XX/XXXX saying that I was not liable for the fraudulent charges and they would let the 3 credit bureaus know this. The charge was removed and I payed for my furniture in full. My balance was XXXX. Then I received a bill from XXXX XXXX/Synchrony XXXX XXXX XX/XX/XXXX with a charge of {$1700.00} dated XX/XX/XXXX! AGAIN! So I called the fraud line and reported it again as fraud on XXXX investigated and once again found me not liable for the fraudulent charge. I received the same letter again saying that and that they would let the 3 credit bureaus know. XX/XX/XXXX I called them and CANCELLED the card so that this would not happen again.I had not heard from XXXX XXXX until today. I got a bill for the XXXX XXXX/Synchrony Home Account. There is a charge for {$1700.00} dated XX/XX/XXXX " Balance Adjustment ''. I called to report this fraudulent charge once more. I waited on their terrible customer service fraud line and was passed from one female agent to another. The second one said the boss was already at home, but she would make a note of my complaint about this. This is OUTRAGEOUS! How many times will they investigate this fraudulent charge and find me innocent only to re-charge me again. I am really disgusted with this. How do you charge a CLOSED account. I have the confirmation number XXXX for XX/XX/XXXX, when I phoned them at XXXX XXXX  and CANCELLED. I am so tired of dealing with this. You sit on hold forever and it NEVER gets resolved. Please help me with this.

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 2020-08-28 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: CO

Complaint narrative:
On or about XXXX XX/XX/2020 I purchased two hard drives from an on-line merchant through XXXX. When the two items arrived - they were significantly different from what was described. Specifically, the two 14TB hard drives actually were ( 1 ) a 10TB hard drive and ( 2 ) a broken/non-working hard drive. I tried to work with the merchant and he refused to accept a return. I notified Citi Bank and filed a dispute. Citi was horrible in their lack of communication and numerous times I had to reach out to them to check on the status. I received a notice that additional information was needed. I called Citi and asked what that was. I was told there was a letter in my account. I asked where. It was never posted to my account. I sent them screen shots showing that I did not get any requests for additional information and today, when I logged into my account, there was a notice that my inquiry was denied. On XXXX XX/XX/2020, I called the dispute department and requested my right to invoke arbitration against Citi as it is criminal to be victimized by a merchant and then to be cheated by a major corporation who does not even follow their own policies. XXXX said that I never returned the items - yet as I told XXXX, both in my letter and my calls I have said that the merchant refused to accept a return. I have even asked Citi, in writing, if they wanted the items so they could look at them. After over 2 months, Citi Bank violated their own policies and account terms and conditions by ( 1 ) failing to keep me up to date as to the status of my dispute, ( 2 ) stating that they needed additional information but never asking me for any information and ( 3 ) based on what XXXX said, it appears they never even read the materials or reviewed the screenshots that I sent them. I sent in the e-mail on XXXX XXXX and yet was told " we received the letter on the XXXX. '' I will attach that letter as part of this dispute. The law requires that a credit card company help their account holder ensure that a warranty of merchantability exists and that the company will conduct a fair and neutral investigation of the complaint. Citi had failed to provide even the basic duties of what a bank headquartered in the United States should provide.

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 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank closed 12 of my accounts in one day : 1 ) Paypal credit card 2 ) Paypal Mastercard 3 )  Amazon Credit card 4 ) XXXX credit card 5 ) Chevron major credit card 6 ) Tj Maxx credit card 7 ) Tj Maxx Mastercard 8 ) Sam 's Club credit card 9 ) Sam 's Club Mastercard 10 ) Gap credit card 11 )  American Eagle credit card 12 ) American Eagle credit card I was not given notification prior to their decision to closed 12 accounts. I found out on Tuesday, XX/XX/2020, that my accounts were closed by Synchrony bank on XX/XX/2020. I was trying to make a purchase using my Paypal Mastercard and it was declined. I called Paypal to find out why my order was declined. This is when I found out that ALL my accounts with Synchrony bank were CLOSED. I never had a problem paying my accounts. I have a 100 % payment history with ALL my credit cards. I used less than 10 % of my credit limit. I did not request that any of my accounts be closed. This is very dismissive the way Synchrony treated me as a loyal cardholder. Especially at a time as this. It seems that Synchrony would actually care about their cardholders that paid their bills ON TIME, multiple times a month, EVERY month. I never maxed out ANY of my Synchrony credit cards. Plus, they closed four accounts that had balances. This is completely unacceptable for any bank to do.

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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to Experian regarding fraudulent accounts on my credit report that were opened by someone who stole my identity. I provided them with an FTC affidavit and a copy of my Florida driver license. Per the Experian website, police reports should only be filed when one can identify the person who stole my identity, or if I have specific information that can aid a police investigation, my information was used in an encounter with LE, or a creditor requires me to file a police report. None of these apply to my situation. Furthermore, I have already made contact with local law enforcement prior to disputing this information or filing FTC report. I was advised that they are not making house visits for such reports at the moment due to COVID-19 and the officer stated that unless I have evidence that will help their investigation ; I should instead file a report with the FTC and send it to the credit bureaus. Which I have done. However, I received correspondence from Experian tonight stating that I need to provide a police report which ( in their words ) would hold me accountable to  XXXX   charges should I be providing false information. I am appalled that they would report fraudulent information caused by an identity thief, but will make me jum through hoops even though they themselves advise against the police report! I am so distraught with everything that is happening, my entire livelihood is at stake and this credit bureau is illegally maintaining damaging information on my credit report against my will and against their own guidelines!! I am attaching id theft guidelines provided to me by my local sheriff department as well as Copies of Experian guidelines as stated on their website. I am also providing screenshot of the email I received from Experian this evening invalidating my dispute. Please help! The following is quoted directly from the email I received from Experian I. Response to my dispute and FTC affidavit : If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked.

The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to XXXX  penalties relating to the filing of false information Law enforcement sent me to FTC, which acts as the primary law enforcement agency for identity theft. This should be more than enough to block and remove these fraudulent entries.

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 2020-08-28 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: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$320.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : Inaccurate Balance : Should be {$0.00} Past Due : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$320.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : Inaccurate Balance : Should be {$0.00} Past Due : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate

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 2020-08-28 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: PA

Complaint narrative:
I rented a car for a one way drive between XXXX and XXXX XXXX, MA. The car was rented on XX/XX/XXXX and returned on XX/XX/XXXX. Upon arriving at the XXXX XXXX XXXX, it was closed for COVID and there was no drop box. I called XXXX and asked what to do, I spoke to a representative about this, they told me to take pictures of the car and mail the keys to XXXXXXXX XXXX XXXX  XXXX XXXX, MA XXXX. I took multiple pictures of the closed office, lack of a drop box, car returned to the lot, license plate, etc. All were taken with an XXXX so there is a record that they were taken XX/XX/2020. 

On XX/XX/XXXX, I received a charge on my credit card for {$4600.00}. After multiple calls to XXXX, I found out they charged me for renting the car for 30 days ( returned XX/XX/XXXX ). I have the receipt, which shows that a total of 272 miles were put on the car - roughly the distance from XXXX to XXXX XXXX. After multiple calls and emails - including sending photos to support my claim - they repeatedly told me it would be " five to seven business days ''. After about a month, I finally told them my credit card bill was due in three days if it couldn't be resolved and I had no choice but to report it to my credit card company, Chase. At that point, XXXX informed me it was company policy to deal directly with the credit card company. 

I then reported it to Chase and described the situation, and they had me report it as a fraudulent charge. When the charge still appeared on my card a month later, I called them and was informed it was a 'dispute ' and not a 'fraud ' so I needed to resubmit it. I then received a letter, filled out a form, and submitted it on XX/XX/XXXX. I have all of this documented, and I'm sure they have record of at least four calls to receive an update on the status of the disputed charge. 

On XX/XX/2020 ( today ) I received a letter informing me that the " billing dispute '' was ruled in favor of the merchant with no explanation. When I called, the representative said that because it was originally reported as fraud and not a dispute ( even though it was eventually resubmitted as a dispute, and that I have documentation of resubmitting it as a dispute ), and there was nothing they could do about it. I then spoke to a supervisor who said the matter was closed and that I would need to pursue other avenues ; I was informed that there was no appeal process. I requested - repeatedly - that Chase connect me with someone who would look at the pictures I took of the car sitting in the lot, all of which were taken on an XXXX and therefore timestamped, but was told that was not company procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased 4 roundtrip tickets to XXXX XXXX set to leave from XXXX XXXX XX/XX/XXXX from XXXX. Due to my husband being XXXX XXXX military, his command canceled his leave due to the coronavirus end of XXXX early XXXX. 
I requested a refund, which XXXX said I could either get a credit or partial refund. Over the next few months, I called and was on hold for 2 hours before a rep answered just to tell me he couldn't help me. XXXX said it would take 3 months for the refund. So far, it's been almost 6 months. Not only was travel pretty much shut down during this time due to the coronavirus, I kept getting notifications from XXXX about my flights being canceled, so either way, they should pay me back my {$2700.00}. 
I knew they weren't going to help me because every reply was a generic, computer generated reply. I contacted Barclay to dispute the charge. The sent me a letter saying that they decided in favor of XXXX, without any explanation or proof. I replied with more documentation that showed that they had promised I would get a refund. Barclay then sends a letter saying that they " can't find a transaction from XXXX ''. I then went online to print out my statement with the XXXX charge, I circled it, and I faxed it back to them AND mailed them the hard copy. This has been over a month, and I have not heard anything back. 
Barclay has been allowing merchants to take advantage of their customers by not providing the consumer protection they advertise.

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