vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America started charging my account a {$25.00} per month fee, saying that my checking account was not " linked '' to my Mortgage and Home Equity Loans. My accounts were always linked, then in XXXX of 2021 they " unlinked '' them. They said they would relink the accounts but could not refund the fee. This is a scam to gain fees. I want this fee refunded.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent in a copy of my police report with Equifax detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
While checking my credit report I noticed a collection put on there by Capital Accounts even after telling them numerous times this was not my debt. I also sent them debt validation letters by certified mail on XX/XX/2021, which they received and signed for XX/XX/2021. Their agents are rude and uncooperative to say the least and are still refusing to take this fraudulent collection off of my credit reports. Instead they sent me emailed me an itemization which has no dates and no signatures from me or the original party. Pursuant to the Fair Debt Collection Reporting Act I demand Capital Accounts take this fraudulent collection off off all three of my credit reports ( XXXX XXXX XXXX ) immediately since the debt is unable to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Hyundai Motor finance should remove all negative payment history from my credit report. I was the co-signer on acct that was now paid by me. Its still hard for me to purchase vehicle I want and deserve due to this acct that the primary holder left with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: FL

Complaint narrative:
I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights

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 2021-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had made arrangements with two credit card companies during the Covid Pandemic in XX/XX/2020. However, the missed payments are coming up on all three credit bureaus. I have contacted the credit card companies and the credit bureaus. The dispute was " resolved '' but not in my favor. The payments are still on my credit reports. The credit cards companies are Capital One and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company is reporting a delinquent account that does not belong to me and is reporting incorrectly as if it does. Filed a complaint with the XXXX XXXX XXXX and began the process of disputing this entry with the the three major credit bureaus. According to the FCRA, KOHLS has violated my rights as a consumer and I am requesting legal action to remove this account immediately as it is hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2020, my mom XXXX XXXX XXXX made an international wire transfer from XXXX to USA for the amount of {$10000.00} usd. On XX/XX/XXXX, I called my bank XXXX XXXX XXXX XXXX and I was told that they didnt receive anything yet. That sometimes it takes a little longer. So I waited. 

On XX/XX/XXXX, We were able to speak to an agent from XXXX ( my moms bank ) and she advised us that they were able to communicate with the third party bank which is Wells Fargo and that Wells Fargo claimed that the money has been credited to the beneficiary, obviously not me! 
I dont have an account with Wells Fargo, I tried to communicate with them on XX/XX/XXXX via XXXX and the replied was that You will need to contact the bank where the transfer was sent to initiate a trace on the transfer. Thank you. -XXXX and every time I tried the same response is given or that they cant help me because Im not an account holder with them. 

On XX/XX/XXXX, my mother filed a complaint to the XXXX in XXXX and the response from XXXX lawyers was that Wells Fargo was responsible for that money because they deposited it into someone with the same account number as me within Wells Fargo. And that they needed to retrieve the money. 
I requested XXXX XXXX XXXX to trace the wired transfer and I have it in writing that Wells Fargo deposited the money to one of its clients that have the same account number as me. 
I have made several efforts to retrieve it with Wells Fargo and they kept sending me to XXXX. This last Thursday, XX/XX/XXXX, I received an email from XXXX stating that Wells Fargo once again.. said that they deposited the funds and cant find the beneficiary It has been 8 months and Wells Fargo hasnt give the money back or deposit it into my account. My elderly mothers health is deteriorating because of this, the amount of XXXX she is dealing with not knowing if she will ever recover the money. And Wells Fargo simply doesnt care for fixing it. 
Please, I need that money to be retrieved and to be deposit correctly. Whats the point of asking for so much information for the transaction if Wells Fargo doesnt verify it! Who is the beneficiary that Wells Fargo keeps stating in the internal messages that sent? 
This is fraud from Wells Fargo. 
I really want a solution. 
Thank You.

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 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I was contacted by Sequium Asset Solutions on XX/XX/XXXX at XXXX. I repeatedly asked for a letter of debt verification, and the agent told me they had sent one and refused to send another. I have never received anything from them. The woman was extremely rude. She first said the account was open in XXXX ( I was 5 at the time ) and then said it was open in XXXX ( I didnt have credit cards at the time ) and she also stated it was for a bank I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I purchased my home in XXXX, NJ on XX/XX/XXXX. My mortgage was with XXXX XXXX. On XX/XX/XXXX, I emailed a copy of the real estate tax exemption letter that I received from the Tax Assessor of XXXX Township ( as a surviving spouse of a XXXX XXXX XXXX veteran, the state of NJ grants exemption from real estate taxes ) ; the receipt was acknowledged on XX/XX/XXXX. I was informed that XXXX only does escrow analysis once a year in XXXX and at that time, I would be refunded the amount that I paid in real estate taxes and my monthly payment due would be adjusted. In XX/XX/XXXX, I was informed that my mortgage account was sold to PHH Mortgage. My account number is XXXX. I was told by representative of XXXX that PHH would be handling my account going forward and would be responsible for the required adjustments to my escrow account including refunding my overage. I called PHH and was told that the letter from the Tax Assessor was not provided when my account was sold. I then mailed the letter to PHH. The receipt was acknowledged by a customer service representative in XX/XX/XXXX. I was told that an escrow analysis would be performed with the tax exemption and it would take about 10 business days. I have attempted to speak with someone in the escrow department on several occasions but was always refused and told that the representative would relay messages and responses. On my last phone call on XX/XX/XXXX, I again was refused to be connected to the escrow department and the customer service representative told me that my escrow analysis was still being performed and I should wait 10 business days. I informed the representative that I was going to file a formal complaint with the applicable regulatory authorities and that he should relay that to the escrow department. It is now XX/XX/XXXX and I am owed several thousand dollars and my mortgage payments due have yet to be adjusted. I anticipate that this complaint will be instrumental in rectifying this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I switched cell phones and can not get into my coinbase account. Ive tried to contact the company and the two way authentication does not work. The company debits and removes money from my bank account each month but I can not get into my coinbase account and the company has been totally unresponsive. Ive gone through their process for complaints and I only get robot replies and I cant get into my account. This has been going on for months. I need to get into my account. Help. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX or XXXX my account was compromised. Someone deposited two bad checks in my account that I was not aware of. I notified Citi bank on XXXX in XXXX XXXX Nevada, they said they would open up an investigation. I gave them a police report like they asked and everything. Theyre telling me that I will wind up having to pay back what I didnt do. They have also taken my actual payroll check because of this fraud and also closed my account. I have given them all info I had and I feel like they didnt do enough to help me out in this matter. They just automatically closed my account when I didnt do this! I have been with Citi bank for over 8 years. Never have I ever had any problems with them until now. Never has the ever happened as well. I feel as though they can see clearly that I had nothing to do with this especially in the many years Ive banked with 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 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Restriction on credit card need to be remove ; I have been a member of Capital One for 7 years. I do understand that I have be late on my payment due to losing my job on XX/XX/XXXX when Covid-19 happen. I had to wait to sale my house to get some money so I can make the payment. On XXXX XXXX a representative named XXXX told me about a payment plan to enroll so for {$260.00} but on the same day I call Capital One back and spoke with another representative named XXXX to cancel because being unemployed there is no way I could make a payment for 9 consecutive months. I have made a payment for XXXX to bring the account under the limit on XXXX XXXX with XXXX, I callback to speak with XXXX who stated that she have the restriction if I make the payment for XXXX on XX/XX/XXXX I made that payment on XX/XX/XXXX and then I spoke with XXXX on XXXX XXXX she said I had to make 3 payments so I made another payment for {$250.00}. She told me that it will take 7 days for the restriction to remove which is observed when I trying to pay the balance down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I went to log into my Coinbase account and there was no verification code sent which essentially locked me out of the account. When I made them aware of the situation they locked my account which basically I cant get in anymore this them denying me access to my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
While checking my credit report I noticed a collection put on there by Capital Accounts even after telling them numerous times this was not my debt. I also sent them debt validation letters by certified mail on XX/XX/2021, which they received and signed for XX/XX/2021. Their agents are rude and uncooperative to say the least and are still refusing to take this fraudulent collection off of my credit reports. Instead they sent me emailed me an itemization which has no dates and no signatures from me or the original party. Pursuant to the Fair Debt Collection Reporting Act I demand Capital Accounts take this fraudulent collection off off all three of my credit reports ( XXXX, XXXX, XXXX  ) immediately since the debt is unable to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: IL

Complaint narrative:
I recently checked my Equifax credit report and I noticed XXXX XXXX XXXX is reporting on my Equifax report for the amount of XXXX XXXX  and {$890.00}. 

XXXX XXXX XXXX sent Equifax a deletion letter I demand these items be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have overdraft protection and yet the Bank of America keeps charging me a {$35.00} overdraft fee! I have three times written to XXXX XXXX .... the branch manager in XXXX, New Jersey but she never has the courtesy to answer me. Yet again I received a bank statement with a {$35.00} overdraft fee!

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 2021-06-01 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The following account is fraud account that was opened without my knowledge or consent : Barclays account # XXXX I attach an FTC identity fraud affidavit, please investigate and delete this fraud account.

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 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
There was 117 charges made on my Serve American Express temporary card from XXXX XXXX that I filed in investigation into of unauthorized transactions. They denied my claim after 10 days. These charges were taken out all on one day, and were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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:
The following account is fraud account that was opened without my knowledge or consent : XXXX account # XXXX I attach an FTC identity fraud affidavit, please investigate and delete this fraud account.

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 2021-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a discharged bankruptcy ( XXXX ). It is reporting as a negative remark with the credit bureaus. They are also reporting that I have 28 serious delinquent accounts which are the accounts that were included in the bankruptcy. These accounts were never late. When I filed in XXXX each account was paid for the month of XXXX. I feel that this is a misrepresentation of what my credit profile is. I have repeatedly asked the bureaus to tell me which accounts were seriously delinquent and they can not. This is causing me to be denied for credit and is keeping my fico score from increasing. I have sent letter to no avail. I have not had a late payment on anything in 8 years. Please advise as to how I can resolve this situation and stop the bureaus from reporting this inaccurate information. Serious delinquency means I do not pay my bills on time and I 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 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I've tried to get rid of PMI as the equity in the house has risen significantly. I've reached out to BOA, to remove it, but I was told that they will not remove it due to its loan value not surpassing the home value of when the loan was originated. I've asked them to send a appraiser to see current market value, but they have refused to do so. I've told them I will pay for it. They have also said that due the loan not being two years old, so they won't get rid of pmi. I did not find this clause on my closing documents. How are they changing the rules? 

Also there is no transparency in communication, I was told that I would recieve a letter about the decision, not once did I recieve a letter. I was also told that the letter will be visible online but it's not visible online. I believe they are doing this because they know they don't want this is writting.

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 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
I used Remitly to transfer money from US to XXXX and they promised to transfer within 4 hours and charged {$3.00} transaction fees. My USA account was debited immediately, but even after 10 days my recipient did not get the money. I called them 5 times ( 3 times by chat and 2 times by phone ) to get a Proof of Delivery and still did not receive it. 

Details below : Transfer No. : XXXX XXXX XXXX XXXX DELIVERED XXXX We have confirmed funds were deposited to your recipient 's XXXX XXXX XXXXXXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2021 XXXX XXXX PST ( XX/XX/2021 XXXX XXXX IST ) TRACK YOUR TRANSFER Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX PST

Company response to consumer: Closed with explanation