vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
i purchased 2 VIP tickets to XXXX XXXX XXXX on XX/XX/2020 for the amount of {$750.00} to be used on XX/XX/2020. When we traveled to California the park was closed due to the Covid virus. I called XXXX on XX/XX/2020 at XXXX for a refund they told me someone would call me within 24 hrs. No call so i called back XX/XX/2020 was shuffled around finally got to someone said they would refund my money but it could take up to 20 + days because of amount of refunds being given. I waited a month called back was told the refund was never started and they would get on it right away but would take 7-10 days before i saw it in my account. During the time this all started i had fraud on that card so i was issued a new one after another month of no action i finally got a hold of Vip manager who was the first person who actually tried to help me. He claimed he tried to refund the money and my bank refused it so i called my bank BofA first i was told that a card with fraud could not receive any refund and was told to have XXXX refund my new card number I called XXXX back they said they could only refund the card that the purchase was done with. i called BofA back then was told if i got manager on a 3 way call they would refund the money when myself and manager tried a 3 way call i was told by another BofA rep that was not true and that couldnt happen. The manager of XXXX then told me to dispute the charges I did but about a month later money was pulled out of my account again now BofA told me when they tried to retrieve money from XXXX it was declined due to amount of time since purchase. i called BofA numerous times to talk to a supervisor and was told 4 times a supervisor would call me back within 24hrs not once did a supervisor call. i finally got a rep named XXXX who stayed on the phone with me for 3 + hrs. She filed numerous complaints in her dept for me but there was nothing she could do further. she gave me your information and suggested i ask you for help this has been going on for 7 months i just want my money back it seems no one will take the needed steps to do it. please 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 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: NJ

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NV

Complaint narrative:
Hello, on XX/XX/XXXX I filed a fraud complaint about my card with Chime Bank. There was XXXX of transactions on the account by XXXX XXXX. I submitted all the correct documents for the investigation and received an email that I was receiving provisional credits in the amount of {$6700.00} but only {$5200.00} actually made it in the account. I reached out to them immediately on XX/XX/XXXX, the date the credits got applied and informed them of the error. They did an escalation on the issue and stated I would get the money in 3 business days. A week later still no credits so an email, and a phone call for yet another escalation was sent. Again 3 business days they stated ... again no response in a week. Another call and email and they said that the ticket was done wrong. So again another escalation. You are getting the idea. 8 tickets, 10+ emails, and 20+ chats with online agents and Im still sitting here 7+ weeks later with out the refund or even a simple explanation as to what is going on. Im still missing the {$1500.00} ( roughly ). Now when I try to chat they just close the chat without any response at all. I have 2 tickets that they have that are 4+ Weeks old that are not closed nor have gotten a response despite every agent stating this is NO MORE THAN 3 business days. They will not supply me with the ticket numbers, I get no response in chat or in email. Since then there had been other fraud on my account. In the amount of {$3100.00} that is still unresolved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: HI

Complaint narrative:
I was stuck by an overspeeding XXXX yr old lady and I have enough evidence to prove in the court of my claims which i can not detail here as it is still on going court hearing. 

Her insurance company XXXX XXXX however hand over me to Wilber trying to collect money from me. It has been written by XXXXXXXX XXXX XXXX XXXX companies and been informed and also that there is a court case on going. Yet, Wilber will continue to collect from me and never stop calling and writing me letters. 

It is very destructive that I am now suffering of emotional and mental anguish both from accident and the non stop collection of XXXX XXXX XXXX XXXX Insurance Claims XXXX XXXX XXXX XXXX AZ and Wilber XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX  and Wilber always sent mails on my residence which is unwelcome. My correspondence is only my P.O. Box especially they are charging of a bogus claim is very detrimental and adversely affecting my health that worsen my XXXX XXXX XXXX and XXXX XXXX Also, they make phone calls and fabricate lies to collect money from me such as that XXXX told them I have no insurance when accident happened when police was on site of the accident and that I admitted to XXXX via statement I was at fault which pure lies. These all very destructive affecting also my income. I cant even work properly with what they are doing to me. I was even XXXX of the car accident that their over speeding driver did and instead of me collecting from her, all together they are charging of the accident when my car was 88 % wreck of the accident in 25mph while I was in full stop. Evidence will be provided in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
Coinbase of XXXX XXXX has frozen my available cash. I can not withdraw available cash to deposit in my bank account. They are holding my money against my will. It has been over 10 days and I have received emails from showing my funds are available but they have them locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
Dear sir/madam, XX/XX/2021 We are seeking your assistance in resolving our mortgage account. 

XXXX XXXX  account # XXXX AmeriHome Mortgage account # XXXX We have had numerous conversations with the current and previous servicer of our mortgage account with absolutely NO success in getting them to correct our account. 
The original loan was closed with XXXX XXXX XXXX  on XXXX. We borrowed {$340000.00} for 30 years at 2.375 %. At closing we prepaid interest so our first payment was not due until XXXX. 
On XXXX, XXXX XXXX XXXX  sent us a goodbye letter stating the assigning the servicing rights to AmeriHome Mortgage Company , LLC. In this letter, they advised us the first payment was to be made on XXXX to them. 
On XXXX, we mailed a payment of {$1800.00} ( {$1300.00} P & I, {$220.00} for XXXX XXXX XXXX and an additional {$250.00} towards principal ) to XXXX XXXX XXXX. 
Just after mailing this payment we received a welcome letter from AmeriHome Mortgage ( although this letter was dated XXXX we did not receive until after the payment was sent to XXXX XXXX ). This letter states the XXXX payment was to be sent to them ( we assumed XXXX would forward our payment, if necessary ). 
Now we are getting dunning notices, threats and calls from AmeriHome Mortgage for the XXXX payment. 
We called XXXX XXXX  and asked about the XXXX payment they claim that it is theirs and that they forwarded the additional principal payment. ( What about the T & I amount? ) So, we now have XXXX XXXX claiming the XXXX payment and AmeriHome dunning us for the XXXX payment. 
We have had numerous contacts with both mortgage companies with NO SUCCESS in resolving this issue. 
We are now seeking your assistance in getting a full accounting of our mortgage ( including the escrow account ). Also, we are asking that all derogatory credit reporting be rectified and any late fees be waived. 
Prior to this situation we had excellent credit ( 800+ credit score ) and have always set up auto-payment arrangements for recurring accounts. 
Please help us rectify this mortgage mess. 

PS : our XXXX payment was mailed to AmeriHome Mortgage on XXXX in the amount of {$1800.00} ( again, {$1300.00} XXXX XXXX XXXX, {$220.00} foXXXX XXXX XXXX XXXX  and an additional {$250.00} towards principal ) Thank you in advance for any assistance you can render. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: AZ

Complaint narrative:
If the IRS didn't do a direct deposit into my account, I would NEVER use PayPal again!! {$600.00} dollars was deposited into my PayPal account I transferred it to my Paypal Prepaid MasterCard ending in XXXX. Before traveling I lose my card, then remember PayPal sent me another card ending in XXXX. Traveling through hills I tried to activate the card but lost signal and the call was dropped, thinking it was activated/registered I add it to my XXXX wallet and now it keeps getting declined saying insufficient funds.. WHERE IS MY MONEY??

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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The vehicle was a total loss which the insurance company made the payment on XX/XX/20, in the amount of {$27000.00}. There was a balance of {$930.00}. Which XXXX XXXX mailed me a bill XX/XX/20 due XX/XX/20. I noticed XXXX XXXX reported to credit bureau, I was late XXXX and XXXX as well as wrote the debit off as bad credit when I was never late with the car note. I paid the {$930.00} before it was 30 days late. XXXX XXXX wrote the account off before the due date of XX/XX/20. I reached out to XXXX XXXX  and constantly received incorrect information

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 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was making a payment for an overdraft to Santander Bank, which has overdraft protection to XXXX USD. Instead of taking {$200.00} to make the payment the Stantander Bank took XXXX out of my account ending in XXXX on this past Wednesday. I was told at the branch bank that at midnight the monies would be returned the next day at XXXX. That the did not happen. Instead the the XXXX balance was deducted to pay down the debt to zero and the remaining amount was not returned. So effectively I have been defrauded of {$19000.00}. Yesterday, I withdrew XXXX out of the overdraft in hopes that the Bank would at least apply my funds to use my the remaining amount owed to pay this off this debt overnight, which has been the case in every other instance. I looks like the account is now frozen and I am being charged {$4.00} a day for the use of my own monies, as this debt has been paid in full. I have over-drafted before and the always the monies were applied by the next business day. This is the first time this happened like this and I had a reasonable expectation, that the monies would be applied. In every other instance, Santander to my the best of my knowledge has always never let one it's accounts to be overpaid, such as my credit card. This should never have happened, and I am asking cfpb to intervene.

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 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I paid this debt collector in XXXX now they are claiming I owe them more money for a debt incurred at I time I did not open any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: FL

Complaint narrative:
Been months nothing handle I only get a email saying still working on it and nothing still being done! No courtesy call follow up nothing!! Next step getting a attorney for this matter!!! 
I Have been a Bank If America Customers for Years And to be SCAM AND TO CALL MY BANK FOR A RESOLUTION AND NOTHING TO BE DONE IS A DISASTER Originally through XXXX I got connected to a vendor who was supposed to send beverage delivery! Which I was then referred to continue to contact him through XXXX! After Paying him my money he dud gave me a tracking site saying track my delivery here so when I kept lookinh I gad to send more money because the site showed port fees etc everytime it showed yes I was anxious I sent the money!! After the last error it said send more I begin to question! Even got in reach with port who advised me not to send more money looks lime a scam! I got in reach with my bank who suppose to be my safe haven to dispute the transaction and to get my money back however looking I show one as not approved and still waiting on others!! How can I bank you bank with for years do this??? You think I wanted to get scam?? No I work hard making a day to day living but to be sc by a scammer and to not have the bank give you your money back is a disgrace like they don't even care!! I need this resolved and I need All my money back this is so sad I have to even do this! This suppose to be your bank and not even getting through with getting this issue resolved!!!! The last rep I spoke with seem to be a bully like she didn't even care for my problem! Something needs to be done I need all my money back I shouldn't be told could take months Im living day to day with my kids my family I work hard and cant afford to be scam and especially have my bsnk do nothing!!!

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 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: MA

Complaint narrative:
On XX/XX/2020 Afni collections sent me a collection notice for account I never had. They said creditor was XXXX XXXX XXXX. Creditor account number XXXX. {$480.00}. XXXX. 
The letter has an incorrect address for me. 

I have never had an XXXX XXXX XXXX  account. 

I want Criminal charges brought against afni and XXXX XXXX XXXX. 

I demand to know who opened this account with XXXX XXXX XXXX fraudulently using my name. 

This is fraud. I need this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am submitting this complaint in regards to the process of trying to find rates for mortgages. I am interested in finding out what the current rates are in the market, however each lender is requiring so much personal information just to get the rate quotes! This shouldn't be this way, we should have access to the current rates without having to provide so much personal information, which includes salary information, social security numbers, etc. 

I realize it is important for lenders to screen individuals to see if they qualify for a loan, but that process is left for later on when the individual would like to pursue the loan. The act of simply gathering information on current rates ( for particular situations such as primary home or secondary home, 1st mortgage or refi ) should be open and transparent to the consumer without having to provide personal and private information! 

I think it would best serve the consumer if we had a policy of open and transparent published mortgage ( or any type of loan ) rates available to the consumer ... and stop this practice of acquiring an abundance of personal and private information ( including social security numbers ), just to get rate quotes!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Professionals, Inc.
State: OH

Complaint narrative:
The Debt Collector is trying me to pay the debt twice. I paid this debt on XXXXPaid to XXXX XXXX XXXX of {$450.00}. And another collections office still says I still owe a different amount which is the same bill I wish your company would check into this since I don't have a phone number ( XXXX  XXXX ) by XXXX XXXX. Than you for taking time to check this out. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
87th REQUEST re : account # XXXX XXXX XXXX and XXXX # XXXX emailed to XXXX, XXXX, XXXX, XXXX Good morning XXXX XXXX XXXX  : This replies to your XX/XX/XXXX, XXXX XXXX  attached email ( Nissan Owner Services, Nissan North America , One Nissan Way , XXXX, TN XXXX, ref : XXXX : ref ). Please immediately return email all duly executed legal documents Nissan used to create my ( fraudulent ) lease obligation. Furthermore : After my 18th email request for a copy of all duly executed legal documents Nissan finally emailed Fri, XX/XX/XXXX, XXXX XXXX, XXXX and later Mon, XX/XX/XXXX, XXXX XXXX  : Dear XXXX, Thank you for contacting Nissan. To discuss your Nissan Motor Acceptance Corporation account, please contact an NMAC Representative Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. 
Additionally, XXXX XXXX XXXX emailed : Fri, XX/XX/XXXX, XXXX Case # XXXX, Tue XX/XX/XXXX case # XXXX @ XXXX, # XXXX @ XXXX and Case # XXXX XXXX, XXXX, XXXX : Dear XXXX XXXX, Thank you for contacting Nissan regarding the finance questions you haveplease contact Nissan Motor Acceptance Corporationso they can address all of your questions related to your private financial information. Again Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. 
Please immediately email XXXX all legal agreement ( s ) you manufactured to establish your falsely alleged, account # XXXX XXXX XXXX, lease obligation. 
XXXX  on XX/XX/XXXX credit report # XXXX, having not emailed the above Nissan legal agreement ( s ) you expanded your supporting corruption with this false statement : " ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' I never made this statement as falsely alleged by XXXX. 
XXXX  you further obstructed with this statement " if you believe this information appears on your Credit Report as a result of identity theft ... Report # XXXX ''. 
XXXX and XXXX, please be advised of pending damages resulting from your XX/XX/XXXX false credit reports to XXXX XXXX XXXX  XXXX. 

Respectfully :

Company response to consumer: Closed with explanation