vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since I XX/XX/2019 when I first found out that my Bank Of America Cash Rewards Credit Card was completely comprised since XX/XX/2019 by a few roommates. Fraud charges against the card were made, Fraudulent Payments and again more charges. I had the account on automatic payments so up to a certain time I was paying for charges I did not commit. I have contacted Bank Of America ( who got bailout ) but when one of there customers were victims they chose to disregard my claim. Impacting my credit. After countless letters to XXXX and Bank Of America my account to this day has not been given proper credit for unauthorized activity and I have yet to get a replacement card. Bank Of America Their consumer credit cards are covered by the banks Total Security Protection service. 

That includes a {$0.00} liability guarantee. The bank will reimburse you for any fraudulent credit card transactions. They can credit your account for fraudulent charges made. Why was I not covered under a promise made to its consumers?

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 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Due to divorce and loss of employment I have been struggling to maintain current payments. Recently I have fallen two payments behind, every time I try to call Capital one to arrange a payment plan or some type of payment, they transfer my call to a different department where I have waited on hold up to 45 minutes without a response or being able to deal with a live representative. They also sent me an email detailing possible eligibility for options but when I call the number listed on the email, the same thing happens. Im transferred and left on hold without ETA or response from a live representative : I am unable to work anything out to resolve past due amounts if I am unable to reach a live person. I dont k ow what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
In regards to phony collection practices by LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by LVNV Funding LLC. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. LVNV Funding LLC is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although LVNV Funding LLC initiated the procedure I have yet to receive anything in writing from this dummy corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a mortgage with Bank of America that was modified on XX/XX/2018 after a chapter XXXX bankruptcy was discharged inXX/XX/2018. The mortgage was discharged for a little over $ XXXX and now my mortgage is {$210000.00} and I have been making monthly payments since XX/XX/2018, in the amount of {$1600.00}. None of this is reported to the credit agency. My account is listed as closed. I am paying a mortgage every month and I have a balance now greater than my original. I may not be liable to pay this bill but I do and the bank should be reporting the new amount balance and payments. I can't refinance a loan that looks to be closed. I can't repair my credit if the payments I make go unreported. I am in a very dangerous situation that if these payments are not made the bank takes the house, but I pay and I get no credit for having a mortgage or paying it. It does not help my credit get re-established and it looks as if I don't have a mortgage when I do. This is unfair business practice. I need the loan to be reported on my credit report. Nothing prevents the bank from reporting my loan and on-time payments. They just can't report anything negative. The debt owed on this reported closed account is paid monthly and it should be reflected on my credit report that the account is active and in good status. My payments should be reported to my credit agencies. Bank of America said they will never report my payments to the credit report for the life of this loan. This is an unfair business practice. They should change the account number just as other companies did after my bankruptcy to allow for reporting. I should not be a slave for a mortgage company and can't refinance or get credit for the payments I am making and have been making since XX/XX/2018.

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To whom this my concern, I had 2 fraudulent accounts removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were deleted and now they have reappear back on my credit report. 

XXXX XXXX XXXX XXXX XXXX was deleted on XX/XX/2019 Report Number XXXX XXXX XXXX XXXX XXXX was deleted on XX/XX/2019 Report Number 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 non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I am receiving a mail from a company called National Credit Adjusters about a debt that is unfamiliar, however they are violating FCRA, These malpractices need to stop as soon as possible. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened a CD on XX/XX/2019. I was told that they would notify me before the CD matured either by phone, mail or e-mail. I received nothing from them. When I went to the bank to find out the maturity date, they told me it was already matured and renewed. They renewed it for almost nothing 0.001 % for one year. Nobody in their right mind would renew a CD for that kind of return. I believe this is an intentional practice by this bank, taking advantage of people especially the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been given conflicting information each time I contact FedLoan. I am a school teacher that has worked in a Title I school for over five consecutive years. I have payed over eight years on my loans and was due to have the rest forgiven within the next two. As a reward for my service, I was granted {$5000.00} in forgiveness ; however, I wasn't told that in doing so I would have to pay another ten years on the loan? That doesn't even mathematically make any sense. Once I discovered this and attempted to rectify, I requested that they add the {$5000.00} back on and allow me to pay off the remaining two years that I agreed to. They offered no resolution. There is no single person assigned to each case and there is no office to go into and speak with someone. Every time I call I get different and conflicting information and no one will assist me in clarification or a resolution. 

The last time I wrote to them and called, they said that I signed a contract ; however, the legal jargon they use is incredibly confusing. I didnt understand the contract ; the people on the phone refuse to explain anything and when they do, its usually wrong. It doesnt even make sense that that option even exists. How are my payments for the last 5 years negated?? It seems now that its simply a way to trap people that dont have law degrees. 

I'm a public servant that is supposed to have the support of the government and instead, I'm being financially abused. I'm in charge of educating our youth and am being punished for furthering myself to be the best teacher I can be. It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: NC

Complaint narrative:
Equifax had a major security breach release large amount of my personal information. I received multiply phone calls about fraud activities with my social security information that was released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I was contacted by AmriFinancial Solutions LLC, regarding a medical debt in collections. 

Please be advise I requested a validation of the debt from the collection agency, and I received a response that clearly violates my HIPAA rights, as they did NOT provide me a HIPAA release that releases my daughter 's ( a minor ) medical information to them. By providing such information, they are in VIOLATION of my and my daughter 's HIPAA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have a DDA account with SunTrust Bank NA, now Truist. I observed a pair of unauthorized charges on my account dated XX/XX/2020. I immediately contacted the bank and disputed the items. Soon thereafter, the bank credited me back for both amounts. The bank provided also provided me with a new debit card, however they appear to be using a system called Mastercard Automatic Billing Updater which basically fed my new number back to one of the companies who submitted the original fraud charge. Thus, my replacement card is also no good. One of the companies behind the original fraud charge later submitted another charge ( with the new debit card number ) for some type of membership fee. I am now left with no ability ( other than a personal check ) to purchase things like groceries and gas. The bank does NOT provide me with the ability to opt-out of Mastercard Automatic Billing Updater, which I find to be an unfair practice. I don't understand how a bank could be allowed to perpetrate fraud by providing the new account numbers back to a merchant for whom I affirmed to having never ever having a business relationship with. I am considering taking legal action against the bank as well as the merchant who submitted the second charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a survivor of XXXX XXXX in childhood who in later life became a XXXX with the help of God Almighty! I was passionately serving my patient community in the New York Tristate area when I faced a devastating legal challenge unrelated to XXXX  XXXX  that cost me my XXXX  license and put me in massive debts back in XXXX. In order to recover financially, I started looking into online trading. In XXXX I started trading XXXX XXXX  with borrowed money but started losing all the invested money, no matter how hard I tried! That is when I heard about a company called XXXX XXXX. They called me repeatedly offering quick and massive profits if I traded with them. One of their account managers by name XXXX XXXX even offered to provide signals too. They sounded very professional over the phone and I invested a total of {$6200.00} of borrowed money with them. No matter how hard I tried, there would be a sudden platform spike or dip in the opposite direction of my trade at expiry which made me lose trade after trade! I lost all the money and then XXXX offered to give a free bonus for the lost amount into the trading account. I accepted it gladly, but the same story was repeated. In the end, I lost all the money I invested. Little did I know that they were fraudulent and were simply manipulating the platform! I suffered devastating losses emotionally and financially! Due to financial hardship, my family moved away to another state! I am eligible to apply for the reinstatement of my XXXX license and I invested with XXXX XXXX in order to make some money so that I could regain my license. But they caused further hardship and untold miseries to me. I realized about the nature of scam nearly 3 years after I invested with them and my bank refuses to ( Capital one ) do anything about it due to the delay in filing a dispute. I am in an extremely difficult state financially and emotionally. Kindly help me to recover my losses ASAP! Thank you and God bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I contacted all three credit bureaus and informed each site that I do not own this debt. I completed three separate investigations. 

XXXX, XXXX and XXXX- XX/XX/2019, XX/XX/2019, and XX/XX/2019 I notified Capital One that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
Hi, in XX/XX/XXXX did a debt consolidation with XXXX XXXX XXXX and had called US Bank to obtain balance to pay card off. Was told {$XXXX}. And thought I paid off US Bank CreditCard. At that time I noticed they charged interest after I paid it off and a representative waived the {XXXX} interest fee. 
Two purchases went thru after it was paid off ; one of the purchases was reversed from merchant ( 1 month later ) the other was my auto insurance. I paid the auto insurance with even a few dollars extra. 
Called them 1-2 months later to close the card because i wanted a card with a zero interest rate and rewards for daily purchases. Then in XX/XX/XXXX I received an email stating i had a payment past due on US Banks card and discovered they had been adding interest and late fees on apparently a mini balance that remained. 
I phoned to get to the bottom of it, the phone rep couldnt tell me what balance was after the pay off and so requested late fees all be removed and I pay whatever it was.was told a manager would review. They then removed one late fee. I called in XX/XX/XXXX to pay it in full and now theyre still trying to extort extra. Please help.

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 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2019 and XX/XX/XXXX and XX/XX/2019 I contacted XXXX, XXXX and XXXX lodged a complaint that I had inaccurate information on my credit report. The company responded. I provided the information that they requested and notified the company that I do not owe this debt. 

They refuse to remove the information off my credit report. 
Capital One Re : Saks Fifth Avenue XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NE

Complaint narrative:
I switched insurance companies at the end 2018 ( XX/XX/XXXX ). They must have sold the debt to a third party and asked for incorrect amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: NM

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Equifax when I discovered they were inaccurately reporting an open auto loan with XXXX XXXX XXXX XXXX XXXX as closed with date of last payment in XX/XX/XXXX. This account is currently open and paid on time each month. On XX/XX/XXXX I filed a complaint with CFPB when I had difficulty obtaining information online and at the Equifax telephone number ( XXXX ). Please refer to CFPB complaint number XXXX. 
On XX/XX/XXXX I received a response from Equifax dated XX/XX/XXXX, confirmation # XXXX with dispute results indicating they verified with XXXX XXXX XXXX XXXX that the account has not been closed however they continue to inaccurately report the last date of activity as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal has been charging XXXX  sellers for cancelled transactions since last year ; so when a buyer cancels on a paid transaction the seller loses the 2.9 % plus the XXXX fees. 

One example : XXXX payment received from XXXX XX/XX/2020 at XXXX XXXX PSTTransaction ID : XXXX Payment Status : REFUNDED Payment Type : Checkout Gross amount {$180.00} USD Payment details Purchase Total {$170.00} USD Sales Tax {$10.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$180.00} USD PayPal Fee- {$5.00} USD Tax collected by XXXX- {$10.00} USD Net Amount {$160.00} USD Transaction ID : XXXX Also the seller has to pay extra on transactions in XXXX when the payment is out of the US -- why should that be the seller 's problem??

Example : Purchase Total {$85.00} USD Sales Tax {$0.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$85.00} USD PayPal Fee- {$4.00} USD Net Amount {$80.00} USD Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I closed on my loan with XXXX in XX/XX/XXXX. The loan was recently transferred to Mr. Cooper based in Texas. My payments for the entire XX/XX/XXXX were {$1800.00}. Once the loan was transferred to this new " Mr. Cooper '' company, I received two statements from them. One in the amount of the {$1800.00} payment that was what I was paying while with XXXX and another in the amount of {$2000.00}. I contacted the company on numerous occasions, along with emails seeking answers. There was no documentation stating why the amount increased. I spoke to three separate representatives on three different occasions and not one could tell my why the amount of my mortgage increased. I was told they would investigate and call me back, however all I received was an automated call from Mr. Cooper stating I owed {$2000.00} ( which is once again different then the previously mentioned amounts ). I once again called this morning, XX/XX/XXXX, and spoke with a XXXX who was of no help ... I told her I will not be paying my mortgage until I have a clear explanation as to why the amount increased and she told me " I will document you will not be paying. '' I have never dealt with a more disorganized group of people. I work in banking and have been in mortgages for the better part of 15 years, the way they handle their customers is absolutely atrocious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have contacted Bank of America 7 times and have been lied to every time! 
I WANT MY ATM AUTHORIZATION TURNED ON! 
It is turned off - set to decline transactions if theres not enough funds to pay. 
I HAVE CONTACTED THE BANK AND EVERY TIME IM LIED TO!!

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