vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I used XXXX money transfer service in Bank of America online to transfer {$3000.00} to my mom on XX/XX/2020. The transfer service requires that you use a phone number or email to send to the recipient : in this case, I used my moms cell phone number. My mom registered her XXXX account a few hours later the same day of transfer using her cell phone number. The transaction was marked completed ; however, the money was never deposited into my moms account. I contacted the XXXX Recall Team at Bank of America to file a claim. They said it would take up to 40 days to investigate. After 40 days. Bank of America said that the money was deposited to the recipients account, which it did not. I reached out to the XXXX team again this time with my mom on a 3-way call to verify that she did not receive the funds. Bank of America said that the money was deposited to an account that had the same phone number as my mom, before my mom registered her phone number with XXXX the day of transfer. My mom has had the same cell phone number for over 15 years. This fraudulent activity is due to a token error during transaction processing. Someone was able to verify a phone number to set up their XXXX account as the same mobile number as my mom causing the deposit to the wrong 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 2020-12-10 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
FCO is one of the worst debt collectors. Not only did they not let me dispute my charge. They did this during a pandemic. The gentlemen collecting the debt threaten me and my partner back in XX/XX/2020 on the phone about our crediting being ruined. Also he was rude and demoralizing me. I explained that its a national pandemic and I had job lose and here in Maryland there were emergency plans for moms like me who had to stay home with school aged child! This company broke all laws and codes of ethics.

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 2020-12-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian just responded and closed my complaint # XXXX in regards to an incomplete and inaccurate account reporting on my Experian account. The did not resolve or acknowledge my issue in the credit reports they I have attached. Experian also sent the same response for 2 different complaints which shows that it is an automated response and they did not do their due diligence in investigating and rectifying the issue. My complaint in regards to the account XXXX XXXX is clearly reporting 2 different ways on only 2 of the credit bureaus. Each credit bureau is required to report accurate and complete information. Experian request I write 100 word statement which details my dispute issue when in fact I have numerous letters/statements detailing my issue, even my last complaint listed at the beginning of this complaint. Experian is reporting this account in 3 different types of bankruptcies. No correct balance or financial information about this account. They are not reporting the correct and complete account number. Experian and XXXX  are reporting different dates the account was opened. This is clearly not complete and accurate information. I submitted copies of all 3 credit bureaus proving these errors and they are not being acknowledged and at this point I will start the litigation process if this is not resolved. I have been patient as well has diligent on getting the facts to prove my issues. Consider this once again as my 100 word statement to specify my dispute.

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 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
National Recovery Agency Collection is attempting to collect on and account that doesnt belong to me. The account number show on my credit report is account XXXX amount {$2500.00}. The address is shown as XXXX XXXX XXXX XXXX, XXXX, Massachusetts. I XXXX XXXX XXXX XXXX Have never live at this address.

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 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am a victim of a money scam. I was told to make a money order in the amount of {$2500.00} to help secure a family box for a US service member being deployed in XXXX. I deposited to a persons XXXX XXXX  XXXX account in Texas thinking that its safe to do so otherwise the person would not give out bank account information to me. Then the person asked for {$6800.00} to have the family box stamped at airport customs. I bought a cashiers check and deposited it into the same XXXX XXXXXXXX XXXX account. After 2 more payments, I realized that I was scammed, I contacted my bank fraud team and was told theres nothing they could do because its an authorized transaction. And the bank would not do a fraud report to notify XXXX XXXX  XXXX. I contacted XXXX XXXX  XXXX and was told they can not give out any information or start Any investigation unless my bank file a fraud report. Please help me to have the banks look into the problem and investigate the other persons account to find out the account holder and help me recover the payments. We are humans and mistakes happen. Thank you so much

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Approximately one year ago I attempted to log into my Capital One account through my new device. Recognizing the new device the website requested a two-step verification which I could not perform due to my location outside of the United States. When they locked my account they refused to allow me to reopen my account even after submitting more documentation of my identity than when I originally opened the account. I submitted my drivers license, bank statement, birth certificate and a different credit card statement. At each step they only required one more step. Finally, I sent a letter directly to the CEO of Capital One and was given a response from their corporate office that I could open my account with the verification of my passport. Upon successfully doing this I was again rejected. The company has also denied me hundreds of the points I rightly earned and wanted to redeem. I believe this dishonest and unethical behavior deserves to be known and rectified as I have come to learn this is a common practice at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
For the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have not received a monthly mortgage invoice or correspondence regarding XXXX changes to my ARM loan from XXXX XXXX XXXX ( XXXX, a CHASE affiliate ). Prior to XX/XX/XXXX, XXXX routinely sent my monthly invoices via regular U.S. mail. I contacted XXXX  customer center and was told that invoices were mailed to me for the referenced months, and that they would resend my XX/XX/XXXX invoice. To date, I have not received an invoice or correspondence for the months of XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. 

During this referenced time period, my address has not changed. Additionally, I have not experienced any disruptions with the US. Postal Service mail delivery to my address. Specifically, I have continuously received other invoices and correspondence from entities other than XXXX. 

My request is to investigate this CHASE affiliate, because I am very concerned as to whether they are intentionally not sending monthly invoices believing that I will default on my payments or something else. 

XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX we ordered 200 face masks from XXXX for {$190.00}. 

On XX/XX/XXXX XXXX ( under the name XXXX ) emailed us the shipment was on the way. 

On XX/XX/XXXX we emailed XXXX to cancel the order. On second look we felt the website was bogus and lacked basic track your order here screen input, no chat, no phone number. 

On XX/XX/XXXX XXXX  emailed us the USPS shipping label number. The USPS tracking website showed the Label created, not yet in system. ( attached ) On XX/XX/XXXX we disputed the charge online with Citicard as the shipping label showed created not shipped, the merchandise was not received and XXXX did not respond to our email. 

On XX/XX/XXXX Citicard emailed XXXX responded and that response would be provided to us in 10 business days, XX/XX/XXXX. Citicard did not provide it by this date but on XX/XX/XXXX. 

On XX/XX/XXXX Citicard charged our account for {$190.00}, reversing the temporary credit. 

On XX/XX/XXXX I emailed Citicard and demanded the {$190.00} be reversed. 

On XX/XX/XXXX Citicard provided us a letter dated XX/XX/XXXX with XXXX response via XXXX XXXX Citicard states to dispute this charge Documentation such as a confirmation email that proves you cancelled the transaction with the merchant. We provided such documentation. 



OUR COMPLAINT Citicard relied completely on XXXX XXXX. response and ignored the fact we canceled the order in an appropriate timeframe. Internet vendors, per FTC rules, can not demand customers wait more than 30 days for their merchandise. Citicard relied entirely on a shipping label created by XXXX but never shipped. 

We canceled the order within 3 days, notified Citicard within 11 days of the order and did not hear back from Citicard with definitive information untilXX/XX/XXXX 38 days from the disputed charge filing. 

In our XX/XX/XXXX and 15 emails to Citicard we stated XXXX is not entitled to payment as merchandise has not been delivered, no communication from XXXX whatsoever, there was no longer a XXXX  website and the USPS and XXXX Mail tracking numbers were nothing more than labels created but not in their systems. 

Demand is hereby made Citicard refund our {$190.00}.

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 2020-12-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Complaint XXXX was closed by Experian with an automated response that they gave on another complaint different from this one. Experian request a 100 word statement specifying my dispute issue and I have submitted several dispute letters over 100 words detailing my issue with a bankruptcy that is reporting on my Experian credit report. When reporting information it must be complete and accurate. How can you verify information from a consumer reporting agency and say it's verified and accurate. To file bankruptcy you must have accounts under the bankruptcy and financial amounts to be including in the bankruptcy. You must have the full correct account number and also when the bankruptcy was filed must be correct. Full name of where the bankruptcy was filed. The credit bureaus should not be reporting different information about the same bankruptcy and saying its verified information. The bankruptcy that is being reporting has no accounts, no financial information, different dates it was filed how is this a verified account? I explained this in detail in several dispute letters. I have proven this in the credit report I submitted with all 3 credit bureaus. Consider this once again my 100 word statement. At this point if the issue is not resolved I will move forward with the litigation process.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Bank reduced my Sears Credit card limit from {$3000.00} to {$250.00} without any reason, notice or explanation. When I contacted Sears credit card, XXXX of Sears Credit card credit operation didn't provide details, but informed me there were delinquency on my credit report, I told him the delinquency report is not true, but he wouldn't listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Someone opened a savings account using my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: IL

Complaint narrative:
I put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MECHANICS BANK
State: CA

Complaint narrative:
Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, XXXX, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX stating the car was paid in full and my title would be mailed in which I did receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
Dont send any verification and still reporting pass 30 days.DELETED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Bank continues to hold my funds hostage. I still have not received a debit card and I've called over 10 times to report this issue and nothing is being done to resolve the issue. I have NO access to a branch or any other way to access funds I've deposited through electronic means. I've asked for deposit slips and checks as well. I have not been provided anything. They also have my outgoing XXXX transfers restricted so that they take 3 business days to process which normally should take 30 minutes or less. They have no problem accepting XXXX deposits immediately. Multiple people at the bank seem to just be lost in regards to these issues and can not help. I'm also unable to receive instant deposits from my XXXX XXXX  pay because the bank can not figure out how to accept RTP ( real time payment ) transactions. Every other financial institution I've ever used has had no problem accepting, and making available any funds I've initiated for instant pay. Those financial institutions are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. So if they have no problem accepting RTP transactions what's your excuse? If you have no idea what RTP is you should look it up. There's information listed online from XXXX XXXX XXXX. My biggest issues with Ally remain that I have no access to my funds outside of MULTIPLE business day ACH transfers because they will not get a debit card into my hands. My card should have been sent expedited in the first place and if you claim that mail is slowed due to COVID-19 you should reflect that in your agent time-frame which has been 5-7 business days. It has now been past 7 business days and my card is no-where to be found. I'm really tired of banks thinking they can just do what they want with no repercussions. I don't know what needs to be done but I expect a debit card in my hands by the time you get this. I expect a detailed answer on Real Time Payments through XXXX XXXX XXXX You can find out more as a financial institution by emailing them : XXXX 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 explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
I put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation