vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got a big scam and paid {$2400.00} for a watch using Bank of America 's card and documented the entire conversation between the scammer and I. 
Even with the clear evidence Bank of America actually refused to get my {$2400.00} back to my checking account ending with XXXX. 

Claim # : XXXX Received a letter that Bank of America is refusing to fight for my money back. 


After 15 years with Bank of America and pouring my money into this bank, I am pulling all my money out and not using it until they fix this clear fraud/scam. 

As a victim and loyal customer of Bank of America, in these critical times like this, I expect Bank to fight for the customer. Based on my evidence this is a clear case that I used my checking account to pay for an item whether the SYSTEM and program don't recognize as a merchant transaction.. I can see the true color of Bank of America when comes to a $ $ $ $ they don't want to help the customer ...

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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
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: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
On XX/XX/2020 a payment was made with my debit card for a service in which I would receive information from a company that promised to help protect my children. Between XX/XX/2020 and XX/XX/2020 I was continuously asked for more money by the company in {$5000.00} increments. None of the promises made by the company were done and their was constant excuses for the services not to be performed. In the midst of services that were to be rendered my contact person was changed and there were continual excuses and promises of phone calls and updates that did not occur. I also continued to received docusigns from the company trying to commit me to pay more and more funds to the company for the original services. On XX/XX/2020 it became apparent the company was used to scam consumers and did not do what they said they would do and a dispute was filed with Charles Schwab regarding the company stealing funds and the provisional credit of {$5000.00} was placed back in my account. 
On XX/XX/2020 I received a notification my account was overdrawn. There was no other communication regarding the dispute until that time. I called Charles Schwab on XX/XX/2020 and was told that the dispute was closed because the company had submitted a form with my signature on it ( however it is not a signature I have ever used with the bank ). I immediately submitted documentation showing information regarding the dispute. On XX/XX/2020 when I had not heard back I called Charles Schwab again and was told they did not receive the documentation that had been uploaded. I have pictures that I then sent to Schwab of uploaded documents and confirmations of those uploaded documents, along with the information showing that this company had a history of scamming individuals, and cheating them out of funds. I also provided texts in which the company owner states he did not provide a report or fullfill the obligations of the service. I have constantly contacted Schwab since that time for consumer protection as I did not receive any services paid for. I have received messages with phone numbers to contact the investigator, attempted to call, and been hung up on. It is now XX/XX/2020. I have been without funds in my checking account a negative balance for almost a month where I was very clearly scammed and have asked for help from my bank. 
Charles schwab also sent an email to those with their services stating they take fraud seriously yet my experience in this case is that they are not taking care of the customer.

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 2020-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've reached out to credit to ask for them to remove derogatory information from credit reports, they advised they can not help me with my request. Payments were in fact made on account # XXXX. Derogatory information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG TO 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 2020-07-08 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG TO 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 2020-07-08 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: MD

Complaint narrative:
Experion is making up false. ( score factors ) to diminish scores. cfpd did an inquiry on my behalf .EXPERION did not answer the inquiry. Instead EXPERION gave CFPB the result of a dispute. With XXXX XXXX XXXX XXXX. A coverup. I only want to know where the information in my Score factor about a mortgage comes from, when I have no mortgage.? So remove it from my score factor because its not on my record.

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 2020-07-08 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: HI

Complaint narrative:
On XX/XX/2020 I recieved a letter from Unifin, Inc. indicating I had a past due account. They are attempting to collect a debt that the statuate of limitations has expired. They have represented in a deceptive way that the debt is still owed. They have placed the notice that the statuate of limitations has expired on the debt on the back of the first page of their letter. They further have placed the print indicating that there is a second page in an area that makes it easy to not notice it. This is very obviously an attempt to comply with the law while attempting to conceal important legal information from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: WA

Complaint narrative:
To whom this may concern, I am in the most unjust situation. This is actually the second time I have complained and nothing was done. I have proof that I was given a loan modification with all the escrow built into the loan, with my rate and I paid Home Owners Insurance through my HOA. So after I refinance by accepting the loan modification ( we fell under hard times but recovered ), they then sell my loan. The new company was fine, but they kept asking me to provide insurance proof and I did, but it did not go through, so they placed lender placed insurance on my house. I then appealed and proved I had HOI through my HOA, even though it was exceedingly difficult. Then they said they accepted my insurance, but then sold my loan to my current company, SN Servicing Corp. 

Ever since SN Servicing Corp took over my loan, they have destroyed my credit! My last lender evidently did not resolve my unnecessary escrow balance for unnecessary insurance, which I provided the proof I didnt need. 

They then tell me I somehow still owe them for the escrow imbalance that they inherited from my last company. You would know this because I had always paid my escrow through my lender and I did not need insurance, so there was no escrow balance. It was from the last lender 's misunderstanding and we fixed it and I should have been given a credit. Nonetheless my new lender said I had to pay {$900.00} and I did. Then they said I owed {$1500.00} and my payment would go up a little over {$200.00} a month for " taxes '' increased, which is impossible, because I checked with my city hall. You mean to tell me I am supposed to pay {$700.00} a month in escrow just for taxes and mortgage insurance ( because I dont pay HOI through escrow, I pay through HOA ) when before it was never more than {$300.00} at most. 

Yet, I had been paying my new proposed payment which increased by over {$200.00}, yet because of this unjust and unnecessary escrow imbalance, they now say I owe over {$8000.00} to be current! This is insane! This is not fair! I have documents to prove all of this. My credit is being destroyed and becoming indebted beyond being able to catch up, all while never missing a single payment and even paying the increased monthly payment of over {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: eToro USA LLC
State: FL

Complaint narrative:
On XX/XX/2020, I received an offer the app XXXX ( a digital asset price tracker ) with an offer for a {$50.00} signup bonus for signing up for eToro, an online social investment service, via the app. After signing up and meeting the offer conditions ( including filling a XXXX Form with my XXXX app/user ID ), I did not receive the {$50.00} bonus as promised. I exchanged several emails with eToro support between XX/XX/XXXX and XX/XX/XXXX, providing screenshots of the offer and asserting that I followed the requirements, but they did not honor the promise. They claimed that I had signed up through " another marketing channel ''. I escalated the support issue to the top level, i.e. head of US marketing. 

My boyfriend also completed the offer, but had to manually ask support for his {$50.00} to be added. I believe it's possible eToro is trying to avoid paying what is owed by their promotion terms on a larger scale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
The debt was reported on my credit report without written notice. ot verification of the debt. They said they would close out my case due to fraud but never did. and I still have this collection listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I cant link my bank account to my debitor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I paid off my total balance of {$54.00} For my XXXX XXXX   credit card. Afterward I requested my account be closed over the phone through the automated system. The account was closed and my XXXX XXXX   confirmed a account closure. 
However, today on XX/XX/XXXX, I received a email from comenity bank stating I have to pay a monthly bill for {$37.00} despite closing the account with no outstanding balance weeks ago. 
I cant even make the payment if I wanted to because the website says my billing page doesnt exist and the phone line refuses to get me to an actual person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Unable to link my PNC accounts or transfer funds from my PNC accounts to my XXXX XXXX  XXXX  or XXXX XXXX  accounts. 

XXXX  said it is a problem with a change in the way that PNC is set up. 

Please fix this PNC issue so my money can go where it needs to go. 

Thank U.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NY

Complaint narrative:
i Have already submitted a FTC Identity theft report to XXXX  and equifax and they have ignored my request to remove accounts and personal information from my credit report that has NEVER belonged to me. Ater submitted all required documets they have ignored my request to remove these accoutns. this is the second time i am submitting a FTC identity theft report with all required documentations and sending it along with this CFPB compliant, This issue is causing me a unfair credit score and i can not even get a job, i have been refused a job because of my credit report and those accounts do NOT even belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
i Have already submitted a FTC Identity theft report to experian and XXXX and they have ignored my request to remove accounts and personal information from my credit report that has NEVER belonged to me. Ater submitted all required documets they have ignored my request to remove these accoutns. this is the second time i am submitting a FTC identity theft report with all required documentations and sending it along with this CFPB compliant, This issue is causing me a unfair credit score and i can not even get a job, i have been refused a job because of my credit report and those accounts do NOT even belong to 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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
Several months ago I owed XXXX XXXX XXXX XXXX XXXX ( XXXX ), as I was unemployed ( due to COVID-19 ) I could only afford to send them XXXX, then last month in XXXX I sent them the remaining XXXX in the form of a check which XXXX ( XXXX XXXX XXXX XXXX XXXX CA ) cashed. I recently received a demand for payment from A.R. M. Solutions, Inc XXXX XXXX XXXX, CA XXXX and ARM said they would report this NEGATIVELY ON ALL OF MY CREDIT REPORTS. I do not think it is fair for ARM or XXXX to try and EXTORT MONIES FROM ME THAT I DO NOT OWE, and also threaten my credit ratings.

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 2020-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My complaint is they refuse to send me my escrow, they keep saying they have the check ready, but still haven't sent anything, I also overpaid account & now their asking for a new payment {$500.00} on my online account, when my mortgage is only {$320.00}, & I overpaid last month of XXXX, I told them to apply the xtra to principal, but they didn't do that either, I will end loosing my home, because they taking their time sending my escrow refund for homeowners insurance, they keep saying you should get it in a couple days, deadline is XX/XX/XXXX, it's been 2 weeks now & is now lying about special paper must be done to send monry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
In XX/XX/2020, I paid in full the {$400.00} debt owed to XXXX XXXX, which was sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Company is illegally holding my funds. I wrote a check to myself and Capitol One is claiming its fraud. How do I commit fraud to one self? I asked for copies of documentation of this so called fraud and yet to receive the physical copies. To whom is the fraud against? I wrote a check to myself to myself? If this was fraud why did it take Capital One 6 years to act on it? If I didn't come in to say I had no access this account could of been frozen for decades. If it was fraud, why did neither bank contact me? If this is fraud I would like a copy of this fraud request from XXXX on paper to see how Capital One came to this decision. XXXX is claiming of no such request. Capital One claims the reason they have a hold on the account for 6 years is due to the fact XXXX hasn't sent a HHA letter, XXXX has no request of one from Capital One plus if it was fraud XXXX would of requested the funds back immediately. How can Capital One claim the account is abandoned? It's been active, I have been attempting to access to my account so how is it abandoned!?! What legal basis does Capital One on holding my funds? I went through bank reps, managers 3 in this same dept all claim they can't see why my account is on hold. One of which said Capital One is doing me a grave injustice. I want to see this evidence of this request or the release of my funds. This was the original complaint, Capital One didn't answer any of these questions just wrote a letter they are holding it due to an HHA. I was aware of that. I want to see the physical legal proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/XXXX-Applied for Chase Freedom 0 % interest on balance transfers and purchases, credit card on Chase website ( saw on XXXX ) XXXX-Had phone conversation with XXXX XXXX from XXXX XXXX branch about no response to my application for zero percent credit card. Told credit report locked. Told him I needed the balance transfer immediately. He transferred me to new accounts. Spoke to XXXX and restated my need for balance transfer. Was told to unlock credit report and call back ; they would run credit and give immediate decision. 

XXXX-Unlocked credit report, called XXXX. XXXX approved application with expedited shipping because I told him I needed a timely balance transfer. Told to activate account and card, and initiate balance transfer. Activated card to discover no balance transfers available at this time. 

XXXX-Scheduled another call with same Chase rep from XX/XX/XXXX for Friday XXXX at XXXX XXXX. He never called! 

XXXX-Called Chase. Spoke to CS and transferred to a Supervisor ( did not get her name ). They both said they have no balance transfer cards at this time. My response was, but you did on XX/XX/XXXX when I applied, followed by, if this is true, I should have been reminded on XX/XX/XXXX & XX/XX/XXXX when speaking with Chase reps. I mentioned I had another call later that afternoon with the first rep I spoke to. I was offered to cancel the card. Further, in my packet received with the card, it states 14.99 % for balance transfers. 

My credit score is above XXXX ; I can go to ANY bank. I applied to Chase because of the 0 % advertised on their website! I also applied because they gave their employees some time off for Juneteenth ;  although I did read a review where they have been unfair to XXXX Americans. In my case, I have been lured by FALSE advertising! No 0 % INTEREST and NO BALANCE TRANSFERS! They ran my credit for a product that I did not apply for! Between XX/XX/XXXX and XX/XX/XXXX the product I applied for was removed from their options list. I guess the reviews were correct as Im XXXX American! 

I will next report my story to the local XXXX NC news as Chase is coming to XXXX XXXX. I reported them to the Attorney General, and next I will contact my attorneys office.

Company response to consumer: Closed with explanation