vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
3 months ago, I got my college graduated and move back to XXXX, therefore I need to transfer the rest of my money ( a little more that {$50000.00} ), into the account of my girlfriends. 
I had very limited time, so I took more than 3 phone calls to the Bank of America to ensure they know it is me doing this tranaction. And I was promised that such transaction can be done through online banking services. Knowing that, I steped on the plane back home. 
Then I found that this transaction could not be done, and my online banking account got blocked, because what I did was somehow suspicious. 
So I start calling the customer service number, since XXXX, till now. Trying to convince BoA to finish the wire transfer, or at least unlock my online banking accuont os that I can transfer it to any other account. But I was told the only way of unlocking it, is to visit a off-line counter with two forms of my IDs. Which is physically impossible for me. First, I am not anywhere near US. Second, even if I was at US, passport was all I need and I never had two forms of IDs. 
My money has to be back. The account can not be unlocked. From what I have been told by BoA, it seems, there's no department to report to, no Email address to talk to, and absolutly no way to solve my problem. 
All they need is a proof of I am acually me. I suggested that we could contact by email, or find a off-line counter and make a video call. I can prove that I am the holder of the card. I can even send my passport to them to prove that I am who I am. But none of that works. 
So I have this question for BoA : Is it real that as long as I don't set foot on the land of the United States, I can never get full access of my own 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 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL AND LATER OPENED UP ACCOUNTS IN MY NAME.

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 2020-10-27 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: TX

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL AND LATER OPENED UP ACCOUNTS IN MY NAME.

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 2020-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I/We have previously DISPUTED, this ( joint ) account on two separate occasions with the company through Experian ( includes, the amount owed ). However, Experian refuses to attach our consumer statement ( s ) this is a joint account. My husband and I, mailed ( Via Certified Mailing w/Return Receipt Requested signed and dated by Experian on XX/XX/2020 ) our consumer statement ( s ) to be attached to our XX/XX/XXXX XXXX XXXX Account ( for vehicle ). We have shared with XXXX XXXX XXXX  on numerous occasions in writing ( via emailed correspondence ) that due to the National Pandemic ( Covid-19 and extended unemployment ), we are having difficulty paying our car payment ( s ) on time since XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; including, going forward of the National Pandemic and until our financial hardship have changed. However, as of this filing, our ( Joint ) statement isn't included on our personal consumer credit files. XXXX XXXXXXXX XXXX XXXX continues to report late payments to our personal Experian accounts in spite of our filed DSIPUTES, emailed correspondences. Experian, is guilty of violating, the Fair Credit Reporting Act 15 U.S. C.1681 ; AND ALL CREDIT REPORTING ACTS. ALL SUPPORTING DOCUMENTS WILL BE FAXED TO THE CONSUMER FINANCIAL PROTECTION BUREAU FOR PROCESSING OF THIS COMPLAINT!

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 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a victim of shipping scam issue. On XXXX XXXX, a person approach me from my country, XXXX acting as a staff working in shipping company, telling me that I have a gift box sent from the States with some money in it. XXXX custom has found out and suspect that it is a money laundering case. To be able to clear the custom, I have to pay them XX/XX/XXXXXX/XX/XXXX or XX/XX/XXXXXX/XX/XXXXusd to them. I was panic of getting into a lawsuit case with the government. So at that moment, I fell into their trap, and transfer XXXXusd, which was my maximum limit of transfer to a XXXX XXXX XXXX account. But later, I feel something is not right, and called Bank of America, my own bank to seek for help, maybe can reverse the transaction or stop the transfer. I am currently in XXXX and have waited until the operation time of BOA, but they only reply with filing a fraud report. However, I did not receive any email from them after the international call to BOA. They said I need to wait for ten days for a form to sign. But since the call, Ive never get any updates from them. I hope you can help 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 2020-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
My USBank reliacard was " locked/deactivated for fraud protection '' on the XX/XX/2020. I am the cardholder, and I have been the only one who has had access to it. I did nothing unusual to give USBank a legitimate reason to lock my card/withhold my money. 

I have called the number printed on the back of my card EVERY single day, at least TWICE PER DAY, with the intent and request to have this " Block '' REMOVED, so I may continue to use my card and have access to MY funds on it. 

Each time I spoke with the reliacard representative, I have told them to remove the unnecessary " Fraud protection Block '', as I have been the only one using my own card. 

Then they told me to upload pictures of my i.d . and a live selfie to their website..AND I DID THIS ... 3 TIMES! The Rep stated that in 48 hrs max AFTER SUBMITTING THIS it will be REACTIVATED. Well, almost 2 weeks have gone by and they HAVE NOT UNBLOCKED IT. THEY SAID THEIR " OFFLINE " team are the ONLY ONES WHO CAN unblock the card ... .and yet they do not give their number for me to call ....! THEY ARE HOLDING MY MONEY FOR NO VALID LAWFUL REASON! AND LYING TO ME ABOUT UNBLOCKING IT! 

I have a serious XXXX XX/XX/XXXX that I have to pay for the MRI/SPECIALIST visit for in 2 days and I am denied my rightful access to my money to pay that bill with! Not to mention NECESSITIES required to live, I can not buy anything and am starving because USBank is illegally withholding my money, .and it says NOWHERE on their cardholder disclosure form that they would pull this XXXX. 


I have asked to speak to supervisor and they say the same lie, blaming it on their " offline '' team ... THAT MAY OR MAY NOT EVEN EXIST! 


PLEASE help me with this, I have tried everything I know to do to resolve this..I do not know what to do. I am very upset and struggling due to this inconvenience ... I have been WRONGED by this dishonest bank run by Con-Artists. They are illegally withholding my money! 

Would you please help me? I know I am not the only one going through this either. 

Thank you for your time, and for listening. 

You may call me if you'd like at any time. 

XXXX XXXX XXXX Reliacard debit prepaid cardholder

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 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates, LLC ( PRA ) purchased a credit account I had with XXXX XXXX XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a request to provide documentation validating the debt PRA claims that I owe them.

" Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the following as required, per 15 USC 1692g
Sec. 809 - Validation of debts : - The amount you claim I owe you.

- Explain and show me how you have computed the amount.

- Send me the copies of any documents that prove I agreed to pay the alleged amount.

- Identify the original creditor.

- Confirm that the account has not crossed the SOL period - Prove that you're a licensed debt collector - Show me your license numbers and registered agent. '' In response, PRA has provided documentation showing that PRA purchased from XXXX XXXX XXXX this credit account on XX/XX/XXXX at a claimed balance of {$1400.00}.

Additionally, PRA provided only two statements from XXXX covering the periods of XXXX and XXXX. 

On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a letter in response to me stating that PRA had not provided documentation legally required under the Fair Debt Collection Practices Act to validate the debt they claim I owe them. In the initial request for validation I clearly stated, " I would also like to request, in writing, that no calls should be made by your agency or
company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no
option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. '' PRA 's response was to send a letter, to my mother 's address, with even less documentation, simply resending the document showing the PRA had purchased this credit account from XXXX XXXX  XXXX  with no additional documentation beyond that at all.

PRA clearly is unwilling or unable to provide the legally required documentation to validate their claim to this debt. Despite that, PRA continues to report to at least one of the 3 major credit reporting agencies a " MAJOR DEROGATORY '' associated with this credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I work for Synchrony. Multiple times, in a couple of years but especially in the pandemic, has taken payments through XXXX XXXX XXXX and had the incorrect amounts taken. 

I have raised my complaints within the company of Synchrony and directly through XXXX XXXX to be shot down every time. 

This is such a widespread problem throughout Synchrony and XXXX XXXX to be estimated in millions of losses for our consumers. The problem continues to persist and Synchrony and XXXX XXXX are either not acknowledging the problem or profiting from it. 

I can not explain the number or volume of complaints that we have received in response to this problem. Synchrony and XXXX XXXX are both responsible for these problems.

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 2020-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
My Account was deactivated by TransferWise without any prior notice or warning. When I contacted them for the reason they said we are not bound to provide you reason. 

When I asked to refund me my money and the charges you deducted as the banking services then they said " Unfortunately we won't be able to refund you the charges. Regarding the remaining funds you had in your TransferWise account, we have to wait until the aforementioned due diligence checks are completed. Kindly note that these checks can approximately take 60 working days. '' There is no logic for deducting money as the banking services when they are closing my account my email id is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Can not lift an Equifax credit freeze online. This is because I can not log into Equifax XXXX to make temporary lift of credit freeze. For months has given error, " We are temporarily unable to complete this request. '' whenever I either try to log in. Have also tried to reset the account and I get the same error. 

I was able to lift the freeze via a phone call, but they are only open limited hours, which do not overlap my availability. I asked them to make my account work again, and nothing happened, so I still can not lift it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
In short I've been fighting this debt for about 3 years now NCB Management Services bought my old car loan from XXXX XXXX after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted NCB Management Services let them know this they acknowledged that they had paperwork saying XXXX XXXX would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit score recently dropped 24 points for no reason I can figure out. All payments have been on time and I've made no errors. Ive been monitoring it closely and everything that influences my credit score is positive so a drop in my credit score is surprising. But a drop by that much is ridiculous. Please assist 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 2020-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
In short I've been fighting this debt for about 3 years now XXXX XXXX XXXX bought my old car loan from Santander USA after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted XXXX XXXX XXXX let them know this they acknowledged that they had paperwork saying Santander USA would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I was under a forberance I was told if I paid a certain amount on XX/XX/XXXX my account would be caught up and no fees. I paid that amount - the exact amount PNC requested I pay. After making the payment PNC requested of me I was hit with over XXXX in fees. 
Prior to making the payment I contacted XXXX XXXX to find out exactly what I needed to pay. I knew it was over XXXX but could not remember exactly what - I received a call back and was told it was for {$8300.00} which I paid that day. Only to find out a few days later I had fees over {$2000.00} - This was not what we had agreed or what i was told - I was told when the XXXX payment was made I would be XXXX behind and I would just have my payment going forward. And I know this call when I was told this - was recorded or at least I was told it was I have contacted XXXX several times to find out why I had these fees when I was told the forbearance would zero out anything in the rears but she has not contacted me back - I have emailed over 5 times with no reply. Right when I got caught up XX/XX/XXXX Covid hit and our family was hit with cases of Covid and other hardships. My loan has been on another forbearance, I can not pay the loan and all the fees that PNC is asking for - I shouldn't have the fees anyway. 
I would like to ask for the additional 360 day forbearance time so I can get caught up on the loan now that our family is recovering and getting back to work and school. School just started back last Monday XX/XX/XXXX - hopefully now our Country will get back to normal. If possible I would like for your help finding out why I have fees on this account after I was told I wouldn't and your assistance extending the forbearance so I can get this loan caught up - thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am a business owner and during COVID our business has declined by more than 57 %. Chase bank is not willing to work with me in lowering the payments that I can not make. Because of this, my credit score had dropped to XXXX and I am struggling to survive. The is a XXXX-dollar company and the credit card balance is around {$7800.00} which is nothing to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX locked my card and will not unlock it advising me that I need to send in proof of who I am when I have already done that with the local government! Who do they think they are to lock someones money up its been a month Ive sent in information and still my card is locked. My card has thousands of dollars on it!

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