vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My bank, XXXX, sent a payment on XX/XX/21 to Bank of America in the amount of {$3300.00} to pay off my account. XXXX says that Bank of America processed the payment but they say they never received the payment. I contacted XXXX on XX/XX/21 and they gave me Trace # XXXX for reference. Bank of America said that is a number only good for XXXX. I opened a " payment error inquiry '' with Bank of America on XX/XX/21. I received a letter dated XX/XX/21, right days later, saying they have no record of the payment, even though they told me it could take up to two billing cycles. I called XXXX because Bank of America said to but they are not willing to help me. Neither XXXX nor Bank of America are willing to do anything further for me. 

I don't know what to do because now Bank of America says I am behind on my account and wants a payment I don't have right now.

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 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I deposited {$500.00} on XX/XX/2021 to a robinhood account. On XX/XX/2021 they informed me they did not recognize my account any longer and asked for proof of identity. I sent them my SSI number, birthdate, zip code, address, phone number, picture of drivers license, exchanged over 20 emails with them and they have frozen and locked me out of my account. They are not letting me close the account and they are witholding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MA

Complaint narrative:
On XX/XX/2021 my US Direct Express card had {$20.00} with of purchases on my card from XXXX XXXX ( {$5.00} purchases back to back ). I did not make these purchases. Whoever put these charges on my account on XX/XX/2021 then resumed charging {$5.00} back to back to XXXX XXXX on XX/XX/2021. These charges occurred back to back a total of XXXX times and totaled XXXX and happened between the times of XXXX - XXXX. 

When I reached out to US Direct Express, I was told that I had to feel out a Questionnaire of Fraud form and submit it to their Fraud Services Department. On XX/XX/2021 I submitted copies of my card 's transaction history showing the problematic charges, as well as a police report and a report to XXXX XXXX. Because I was told to fax this information, I went to a local XXXX XXXX store and paid {$34.00} to fax 18 pages of information. 

Upon calling US Direct Express two days after I faxed the materials, I was told that they had not received my faxed information despite me having evidence that they did. I was then told to email the information I previously faxed to XXXX. Despite being on hold for over two hours prior to getting this updated requirement to email the requested materials, I complied with their request. 

On XX/XX/2021, I found that I had {$500.00} on my US Direct Card. I received no notification that this was added to my card. However, the bigger issue was that the total amount owed was not fully paid. 

Because US Direct Express previously put {$110.00} on my card in response to my hardship complaint, I anticipated that the {$110.00} would be subtracted from the {$910.00} owed to me. This, compounded by being over charged to replace my card ( they charged me {$13.00} twice to replace this card ), I expected to receive {$810.00}. Since I only received {$500.00} on my card, I am still owed {$310.00}. 

I submitted all the evidence required proving what was stolen and tolerated being on hold for over four hours after finding out that there was {$500.00} on my US Direct Express card. For this reason, I am formally filing a complaint requesting the money owed to me, as well as for the poor way this situation was handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
My loan was paid in full in XXXX but I have yet to receive the title and the lender has not yet reported the payoff to the credit bureaus,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is stating that I missed a payment in the month of XX/XX/2020. And is reporting this late to my credit report. I made 2 payments in XX/XX/2020 after I came out of COVID deferment, that I had set up back in XXXX/XX/XX/2020 when COVID hit, thinking this caught up all my payments. I have had a death in the family, in my country of origin ( XXXX ) due to COVID ; I assisted with a funeral and, when I returned, there was a late pay on Bank of America auto loan on my credit reports. This is daunting, frustrating and out of my control with these people, not forgiving a mistake with a pandemic that was going on last year. I dont understand, how they can not remove a late pay from the credit report, as I have NEVER been late with my credit, with my account and I have advised them, that I can provide proof of all these events. This is unethical business practices as, Ive seen numerous people, have these issues rectified with their creditors. All I am asking is to remove 1 late pay, that was an absolute mistake, with me being out of the country and making the 2 payments on the statement attached. This is absolutely disgusting business practices, that keep people oppressed, when you CANT be forgiven for a mistake. I have spoken with several people and I have no choice but, to contact the CFPB, as a viable entity to address this circumstance. I have called and called, and this falls on deaf ears. Im trying to refinance my home and got a denial behind this cause, of this 1 late pay. I dont understand how a company of this magnitude can not assist their customers, in a time like this where everything is out of our control. I had a PERFECT payment history with these people and they have decided to not assist me with this matter. I hope that with this complaint, we can correct this issue and move forward from this so, that I can lower my mortgage and get a better rate. Im struggling as XXXX  been detrimental to my finances and I need this to be removed, to lower my mortgage. Please CFPB i hope you can be so kind to get to the bottoms of this and, maybe potentially, help these banks change their standards of dealing with their customers, in these difficult times. They have no problem charging interest rates and fees, then also want to prevent you, from being able to obtain better interest rates/loans/etc from elsewhere. This is a not the way business should be conducted. I have seen the majority of other banks, help my friends and family to remove late pays, fees, etc, due to these hard times and the only response for Bank of America is we only report accurate information. You are the Bank of America, and you are supposed to help Americans, not just take from 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 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I change homeowners insurance and I paid them in full. I call Wells Fargo and ask them to take this portion of my mortgage out, since it was paid in full. I wanted them to recalculate my mortgage payment. They said no because I had a thirty day late on my credit. Heres the problem when COVID hit they offered a three month forbearance. I did the three months and when it was over I resumed my payments. They said because of that I was thirty days late.

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 2021-07-20 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to XXXX and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: TN

Complaint narrative:
Through XXXX XXXX it was suggested that I apply with AutoPay to for a lower payment and interest rate. I contacted them and forwarded to them all the documentation requested ie ( driver 's license, pay stubs, W-2 's, insurance ). I was told that I was approved but was unable to reach anyone except through emails and if I tried to call, only got voice mail. Then through texts today I was told they never received my phone numbers, etc and just began to get an " uneasy '' feeling. I FINALLY spoke with XXXX XXXX and she changed the whole conversation that " their lenders '' since the car was a 2012 XXXX XXXX which they have known that, was going to cost higher payments and only do 48 months. When I did a search of " XXXX '' phone number XXXX, it was " unknown ''. Also another number was for her home address. I have copies of texts and can send them to you at a number if you would like. Something just does not feel right with this business and they have all my personal information.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-20 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: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/14 my card was locked by credit karma due to suspicious activity I confirmed my identity and was told my card was free to use but it wasnt useable they then asked for my Id and a bank statement which I gave them the same day and they still have my account frozen Ive called every day at least 5 times a day only for them to tell me there department is not capable of handling the issue and to look out for an email. There is XXXX locked on the card. I even asked if they could close the account and mail me money to which they told me Id receive an email to close the account and I still have not receive that email or any email for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Colony Brands, Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting an account on my file that needs to be removed! I have been disputing this account for months. I paid the balance on this account months ago but they continue to report a balance!! Reporting inaccurate information on a credit report can be considered fraud under both federal and state laws. This needs to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
I am being required to remove an Apple Card from my existing ID, this because this ID is handled/managed by my employer. Apple/Goldmans Sachs refuse to transfer my Card to my personal Id and are forcing me to close the existing account, pay it off and open a new account if I were to choose to continue using the card. As you can imagine this would have a substantial financial impact and would also negatively impact my score thru no fault of mine. This all in lieu of the card being tied to my SSN and reported as such to the Bureaus ; Apple and Goldmans state that the card needs to be associated to one Id and can not be transferred to another one even it is is mine. I consider this to be an illegal action by Apple and I should be allowed to transfer the Card without any problems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX  reports Amazon/synchrony accounts XXXX and account number XXXX as the only negatives reporting on my good credit. 
Both accounts report seriously derogatory information that is harming me in the approximation of a XXXX fico point loss. This is the unconscionable travesty put forth by both the repository and the original creditor. The balance history at the time of the lates could only make sense to a XXXX XXXX. This account has been disputed many times and comes back verified in a reckless uncaring automated fashion. Even though they rely on the FCRA AS THE SOURCE REQUIRING ACCURACY THIS ACCOUNTS ( S ) HAVE BEEN INACCURATE ALWAYS. 
THIS NEGATIVE IS THE SAME ACCOUNT DUPLICATED REPORTED WITH TWO DIFFERENT NUMBERS BUT SAME ACCOUNT OPENING DATE. THE NEGATIVE PAYMENT HISTORIES ARE CLOSE BUT DO NOT MATCH. THEY, THE REPOSITORY HAVE DOUBLED THE DAMAGE ON AN ALREADY ERRONEOUS ACCOUNT BY REPORTING THE SAME ACCOUNT TWICE.. A DUPLICATE WITH CHANGED ACCOUNT NUMBERS AND LATE PAYMENT HISTORY THAT ARE SIMILAR BUT NOT THE SAME. 
YESTERDAY, THIS ACCOUNT WAS DELETED BY XXXX  AND MY ACCOUNT SHOT UP XXXX FICO POINTS. XXXX  DELETED THEIRS ABOUT A YEAR AGO. THIS ACCOUNTS, IN JUSTICE, SHOULD BE REMOVED TODAY!

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 2021-07-20 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im being declined for a credit card Aadvantage card based on a previous account they claim Ive had with them when I havent I told them I was a victim of identity theft and they dont understand my concerns they lied to me thought out the application process with conflicting information its shameful how Ive been treated by this bank and how they dont care to satisfy my needs or resolve my concerns

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 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NM

Complaint narrative:
I had a XXXX XXXX in 2019 and my insurance company paid for all of my medical expenses under my XXXX XXXX policy. 

More than one year later I received a letter from : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, MD XXXX stating that I owed them {$1400.00} without any kind of documentation as to what the services provided were, where they were provided, when they were provided, or who provided them. 

Researching the company on the internet, I found multiple complaints about them and decided that this was a scam and that responding to them was not a wise thing to do. 

Subsequently XXXX XXXX, sold the alleged debt to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX who have now engaged the law offices of : Mitchel D. Bluhm and Associates LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX who offered to settle the debt for {$870.00} if I paid within 30 days of receiving their letter. I have not responded to them as I have no indication at all that this is a valid debt claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/21 at XXXX XXXX  AID # XXXX Application : us debit XXXX XXXX XXXX XXXX XXXX Florida term XXXX card # XXXX Sequence # XXXX deposit of XXXX was deposited and never put into my account. XXXX XXXX in XXXX and XXXX in fiftys. Did file an investigation but never received my money. Spoke to branch Manager and still no funds in my account went to branch at XXXX XXXX  XX/XX/21 still no XXXX in my account. The ATM ate my money and still not in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed a letter to Experian XX/XX/2021 disputing innacuracies of multiple names, mispelling of names, and addresses that does not belong to me on my Experian credit reporting. There is also a fraud alert placed that seems to never stay on my credit. It has been over 30 days and i still not have recieved a response.

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 2021-07-20 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: BANK OF THE WEST
State: UT

Complaint narrative:
Bank of The West is reporting innaccurate lates on my credit file. The lates are for XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. So, I called you guys to confirm, after waiting on hold for over an hour for a representative they told me they didnt see a payment & they took my payment over the phone! This is not my fault and I am not sure what is going on over there, I gave all my personal info for the payment to your representative, why wasnt it set up? Were they working from home & now they have my info? Please remove this late.

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 2021-07-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft INFINITI FIN SVCS Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
For several weeks I have been trying to open a Capital One 360 Checking account but get an error message to call in to verify some information. Apparently Capital One has my SSN associated with a XXXX XXXX XXXX which has prevented me from continuing further. I have been " highly verified '' by Capital One and their associates tell me that they are correcting the issue but never do. I have called in numerous times to resolve this matter to no avail. They claim there is a one digit discrepancy in the SSN numbers. I have three long standing credit cards with Capital One that the banking division could verify with the credit card division and easily see that my SSN indeed belongs to me and not the other gentleman.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: FORD MOTOR CREDIT CO.
State: UT

Complaint narrative:
XXXX is reporting inaccurate lates on my credit file. The lates were for XX/XX/20, XX/XX/20, XX/XX/20. On various occasions i have tried to set up automated payments through the online systems and although the system tells me it has been set up it still hasn't been! I never received a call, letter, or notice about the delinquency so i assumed everything was set up fine and later i notice late notations and that's when i go in to my account and see the payment wasn't automatically drafted as i had set it up to be. I need these lates removed, i was not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: NY

Complaint narrative:
There are alleged collections on my report that i do not recognize. I demand removal of these accounts pusuant to section 623 of fcra.

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