vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I looked at my unemployment account to check the balance. At XXXX on XX/XX/XXXX there was {$200.00}. Now on the same day at XXXX I looked again and noticed that XXXX dollars was taken and there was a XXXX ATM inquiry ). So I emmidly contacted Bank of America where the account is and reported fraud. The lady I spoke to said that they will send out a new card and that the one I got will not work. So i ask if there was anyway that I can get it ASAP, she informed me that there's a 7-10 day period. Well this is my only income source so she said that she can expidt it to 3-5 business days. Well the new card got here about seven days after the conversation I had with the customer service representative. So I went to activate the card and now I find out that my account has a freeze on it/closed. I was not informed of any of this activity. So now this is the problem I'm having, I have been back and forth with the unemployment office and Bank of America for one month now and I have gotten NO NOTHING as of answers to why I'm being punished for the act of a hacker that stoled money out of my account. That I can not see any of my statements, I can't even get on the account. Like I said " THIS IS MY ONLY SOURCE OF INCOME '' and now it's been a month and I'm down to eating roughly every two days one meal. And my dog may have to be sent to the pound cuz they are holding my money for I NO REASON AT ALL. I'm sorry but where I come from, that is so unfair that I breakdown every night now cuz it is so overwhelming that I'm at a lose of direction .... Please if there is anything at all that you can do, I will be so grateful My contact info is ; XXXX XXXX XXXX XXXX XXXX XXXX. 24hrs a day Email ; XXXX,,,, and I think you for your time

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Comerica
State: OK

Complaint narrative:
On XX/XX/XXXX, I ordered a direct express paycard by calling the social security administration and was told it would arrive in 15 business days which would be XX/XX/XXXX. 
I never received the card and called to cancel the request and was told they have no record of it and I was told to call the card company directly who directed me to the U.S.Treasury department who had no record of my order for my XXXX benefits to be direct deposited to the card monthly. 
I randomly call the SSA to make sure that my bank account number hadn't been swapped with the benefit card that I ordered but never received and have since attempted to cancel though they have no way to cancel but show that there is no card number that took over my social security number payroll deduction XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BTH Management
State: GA

Complaint narrative:
I pulled my credit report from XXXX XXXX and an unauthorized entry from PLAZA SERVICES collecting on behalf of, XXXX XXXX  XXXX in the amount of {$1300.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2020. PLAZA SERVICES has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 and no response. Due to the lack of communication, I then contacting XXXX XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I contacted AES about the cares act temporary forbearance of payments. My loan is a federal loan that was apparently sold to a private servicer. I was told they are exempt from having to comply with the CARES act. I attended XXXX University and have huge student debt. Because of it. I dont understand how a loan private servicer who is handling a federal loan can refuse to comply with CARES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/2020 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/2020 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 2021-02-08 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: Self Financial Inc.
State: PA

Complaint narrative:
I'm a traveling XXXX worker working XXXX and have been for a year. Self INC closed my account in XXXX of 2020 without notice. I was never notified, I called multiple times requesting to speak with a supervisor. I never received notification through the application on my phone. So I'm confused as to how they reported me 30 days late. Especially when I have XXXX setup. I have an email from a supervisor admitting they the close my account. At the time of closure my account wasn't past due. Matter of fact SELF owes me money in which I have yet receive. There hasn't been proper follow-up on this matter. I'm grossly upset regarding how they handled this situation. They have been very non chalant and down right rude at times. I was even told to open a new account. But the closed one was never properly handled or addressed. Communication is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank for security purposes made a maximum of {$50.00} for next day institutional transfer.. Which is ridiculous. They should verify with me, if the transfers are legit before making that desition on my money.. or at least notify me. 
I learned after a few transfers failed. 
I have transfferes being aborted resulting in me loosing money, fees, and potentially credit report implications.

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 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit has placed XXXX on my credit files stating I opened an account on XX/XX/2019. I have not signed any contract with this company. The have no proof or signed documents between me and them. I would like proof I owe them XXXX since 2019. I never signed for this account with their company therefore its not mine. Please provide proof or remove from ALL 3 Credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi, my coinbase account is again restricted with no reason like before, message from coinbase : your account is checking status, can take few minute back later but since 1 week nothing change, coinbase is become a not serious exchange take costumers in hostage. 
Can you help please to fixe again my issue please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm a traveling XXXX XXXX  working COVID-19 and have been for a year. XXXX XXXX closed my account in XXXX of 2020 without notice. I was never notified, I called multiple times requesting to speak with a supervisor. I never received notification through the application on my phone. So I'm confused as to how they reported me 30 days late. Especially when I have autopsy setup. I have an email from a supervisor admitting they the close my account. At the time of closure my account wasn't past due. Matter of fact XXXX  owes me money in which I have yet receive. There hasn't been proper follow-up on this matter. I'm grossly upset regarding how they handled this situation. They have been very non chalant and down right rude at times. I was even told to open a new account. But the closed one was never properly handled or addressed. Communication is terrible.

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 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Ive contacted them in reference to my name having a suffix on the contract and my name doesnt originally have one so I feel as though it should be taken off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have direct federal loans and have been paying under the IRB plan for years. Several of my payments which should be qualifying are listed as not qualifying on the site for several reasons. I emailed them about this several times over the past three years including twice in 2020. 10 payments are still listed as no bill and 8 are listed as pending manual review as they have been for months. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National Credit Adjusters has no contract signed between myself and there company they have placed XXXX on my credit and have no proof I opened a account and signed with the company. Please provide the signed contract with my signature to validate this debt. If you do not have a signed contract with myself and National Credit Adjusters then remove from ALL 3 credit bureaus immediately. This is in Violation of my rights and FCRA act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander Bank is ripping me off with late fees and bombarding me with ROBO-CALL after ROBO CALLS. I have been paying them on time since XXXX. I did have a medical problem in XXXX. But I have been paying on time the last 18 months and they keep charging me late fees and no one answers the phone when I call after being on hold for 20 minute sto half an hour. I have been making my car payments. They are charging me another Car Payment of late fees of {$220.00}. Those late fees should be revered. Attached is my download of car payments from my XXXX account. The CFPB should stop them from pushing consumers under with late fees even though they are paying on time. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One Bank, for intentionally adding false status date information to my credit files, thereby trying to further ruin my credit rating by re-aging a debt. 

I have attached a copy of my credit, showing what Capital One is listing on my credit files. They are claiming that I had a credit card account that they charged off, and closed in XXXX of XXXX. 

The balance, and date information, being provided in the timeline is inaccurate as well, I have had no dealings with Capital One Bank since in XXXX. 

Capital One wants this account to look as though it is real recent. I dont consider Capital One Bank to be reputable, and I want them to cease and desist from contacting me. 

And if they have passed this false information off to any other company, they need to get that dealt with as well, its unfair to have them and another agency dinging my credit files for the same inaccurate information. 

I want the CFPB fully involved in my complaint, and any communication, Capital One can contact the CFPB, and the CFPB, can contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I see multiple 30-90 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 2021-02-08 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: IL

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account resulted due to identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this account from my credit report immediately!

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 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XX/XX/2020 I was granted a return shipping cost as I returned items to merchant in order to receive a refund. I provided the receipt showing amount cost to ship and tracking number. I'm told I cant get refund because tracking is invalid. Now I'm denied refund as they not only keeping the items but keeping {$48.00} as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion you have been requested in over 100 written communications, since XX/XX/2020, if a liability obligation reported on your credit report requires a signed document evidencing an enforceable auto lease agreement and to provide a copy of this written agreement? 

Your most recent INTERIM RESPONSE to CFPB XXXX We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request. is most recent evidence of TransUnion continuing obstruction and corruption.

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 2021-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX no legally use my business card, don't provide services charge me XXXX $ .Chase bank sale my card information .I call Chase dispatcher said call business hours when I work, together to crime .Is not First time .XXXX  me and family

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I have a brokerage account with Robinhood. I bought shares of XXXX, bought and sold a few more ( $ XXXX, $ XXXX, ) then they flag my account as a frequent day trader. Now I can't trade any more until I get a {$25000.00} balance? Even if that was in the terms of use, that seems like something to warn more than once. Either way, fine. The problem comes in when I had a little over {$2000.00} come into my account from my usual checking account that I had intended to invest up to that point, but no longer wanted to and still had in cash. The initial deposit was {$3000.00} and it came to a bit over {$2000.00} in available cash since my account was negative at the time ( long story ). I try to take it out since I don't intend to add {$25000.00} to this account, and they disable withdrawals on my account. What? They should not be able to do that. I submit a ticket about releasing my withdrawal immediately and they say they'll get back to me in 1-2 days. 1-2 days later they say it's going to take a bit longer and that was over a week ago. Multiple prompts to me with no response. This is concerning, and I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I received an alert on my credit report that I had a delinquent account. We I looked to see what it was I found that Nelnet loan services reported the delinquency. I contacted Nelnet by phone and also went online and immediately paid the bill. I explained to the person I spoke with that I was under the impression the loans were deferred due to the COVID-19 pandemic. The lady asked if I was active duty military  or in school at the time which I stated NO. She then said there was nothing she could do for me. I stated that I had not received a voice mail or email regarding this. Of course, she stated that they attempted to call but I had never received a voicemail. I believe this should be wiped from my record due to a misunderstanding with all the COVID related info coming out and confusion this is causing. I would appreciate any help with resolving this matter as I was just following the federal governments information being distributed to everyone and I immediately took care of the situation upon discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
SOMETIME ON XX/XX/2015 SOMEONE OPENED AN ACCOUNT FROM JPMCB CARD SERVICES. IM NOT SURE ABOUT HOW MUCH BECAUSE I WAS A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
Honda financial was suppose to do a soft inquiry. Pre approval instead they did a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to reach out to all three bureaus since XXXX if last year involving inaccurate items on my credit report. My scores are in the XXXX and its making things very hard on me and my family to accomplish our goals. My credit report is reporting collections accounts that should not be on there, late payments that never happened and more negative items. I am very displeased with the lack of response from the bureaus. I initially wrote them 52 days ago back in XX/XX/XXXX of 2020. I wrote them again on XX/XX/XXXX of this year. Please do something about this! It has been over 50 days!

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