vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Peak Acceptance, LLC.
State: GA

Complaint narrative:
On XX/XX/2020 I logged into the payment portal for Peak Acceptance , LLC . I received an error message that stated that I could no longer account through the website. Contact your loan servicer. I called the toll free customer service number for XXXX XXXX XXXX and the message indicated I was to call another number XXXX. I called the number that went straight to voicemail during normal business hours. Odd. So, I called the customer service # associated with Peak Acceptance-About My Loan. XXXX. I got a hold of an associate that told me that the no longer serviced Peak Acceptance and provided the same XXXX number. I tried calling several numbers that I had and left a message for a person named XXXX XXXX, Peak Acceptance- prompt XXXX. I went on XXXX XXXX and found that my loan was indicated as closed and paid in full. I was confused because I still had 10 months left on my loan. I had not received any communication about changes to the pymt portal nor my acct. The next day, XXXX called me and said she wasnt in every day due to CoVid and gave me the new site information and apologized for the confusion. I went on to the portal and signed up. I thought it was odd that there was no account history. I paid my XX/XX/2020 bill with a few more $ . I called the new customer number and spoke to a XXXX. I was hoping to discuss my account I see if they had my account information. I waited for a Spvr and one was not available. After, another review of the new site, i saw that they had a chat feature. I made an inquiry about a late fee. Today, I got a call from XXXX who stated that the late fee had been waived but wanted to know about my XXXX payment. I was shocked. I let him know that there no issues with payment and suggested that he or someone from this new company contact the old one as my XXXX payment was made, He said he could send me a print out of my payments but would accept any information I had related to my past payments nor receipts. I asked to speak to a Spvr and again ... no Spvr as he stepped away from his desk. Odd ... this was the second time this mysterious Spvr was not available. I sent my receipts through the chat feature anyway. I also checked my credit again and the only information in reference to Peak Acceptance other than the closed-paid in full. What is going on with this company? Is this a real existing company? Was there a sell out, closing or a real company that owns my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: IL

Complaint narrative:
I have contacted Experian and explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX XXXX {$400.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$200.00}, XXXX XXXX {$7300.00}, XXXX XXXX XXXX  does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! The address information used to get these accounts I have never lived at which are XXXX XXXX, XXXX XXXX, and XXXX XXXX in XXXX, IL. The only address that I have lived at my entire life is XXXX XXXX XXXX XXXX, IL XXXX. Please remove this information because I have not applied for these accounts and I have not received anything from these companies.

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 2020-04-29 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: USCB Corporation
State: GA

Complaint narrative:
I am a XXXX at XXXX College. Im paying {$49.00} a month every month direct deposit to the school. However, they are reporting my account negatively on all three credit bureaus as an open collection as if Im not already making monthly payments of tuition directly to the school from my bank account each month. This is negatively impacting my ability to secure a home loan and provide shelter for my family. This is causing me economic harm.

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 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Who gave the XXXX the right the issue me a debit card for my unemployment money? 

I don't agree that I should have to pay any money not even an ATM charge to get my money out because I didn't want this XXXX  card to begin with. And if I'm not able to take all of my money off the card then I'm being forced and XXXX in the XXXX by having to pay a fee to get my own money. It's just another way to XXXX you by the government by adding yet an additional sir tax on you. These debit cards are XXXX us and depriving us of our rights while the government is trying to abolish cash. Once they do this they'll have everyone by the XXXX. Just like they did with the cell phones and XXXX did with 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 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, I applied for and received a Citibank XXXX XXXX credit card. When I received it, I found out it required a {$450.00} annual fee, due immediately. I destroyed the card and called Citibank on XX/XX/20 to cancel the card. I spoke to a representative who convinced me to keep the card and she would waive the fee for the first year. They sent me a new card. I then received a bill from Citibank for {$450.00} and called them back. Another customer service representative told me that the first person was wrong and that there was no way to waive the fee. So, again, I told them I wanted to cancel. He asked me several times if I was sure and then told me to destroy my new card and that the account was closed. 

After that, I received one bill for {$450.00} and thought this was billing made before my cancellation. Yesterday, I received another bill and called Citibank. This time I was told that 37 days had passed since my first bill and therefore there was no way to avoid the {$450.00} fee. The representative now said she was successful in canceling my card, but I would still have to pay the fee. Of course, I was very angry, but the woman told me there was nothing I could do. 

Now I have no card and owe them {$450.00}. I will be sending them a certified letter tomorrow to escalate the dispute as suggested by the FTC. They say this prevents me from threats to destroy my credit score while this is being investigated.

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 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/20, Bank of America debited the account for {$6800.00} for an online billpay payment to XXXX XXXX XXXX. This was a physical check sent to them that was never presented to any bank and voided by the recipient ( we have photo proof of this ). This debit created an overdraft of the account. 

The bank credited the account back for the {$6800.00} on XX/XX/20 and they placed a stop payment on the check and provided a case number. 

The bank then debited the account again for {$6800.00} on XX/XX/20 even after the stop payment was confirmed. 

The bank credited the account back for the {$6800.00} on XX/XX/20. 

Then the bank again debited the account for {$6800.00} on XX/XX/20 - the second time they did this even though a stop payment was in effect. 

However, they have not credited this money back to the account after repeated attempts to get them to do so. Several phone calls on XX/XX/20, XX/XX/20 and XX/XX/20 and local branch visits on XX/XX/20 and XX/XX/20 were made in an attempt to resolve the issue. The bank is repeatedly missing the research timelines they have been giving of 3-5 business days and making no communication of any sort. 

The account holder is a XXXX year old women on XXXX that is confined to a XXXX XXXX under Coronavirus quarantine. These unreturned funds represent the majority of her assets and the banks negligence in returning these funds is jeopardizing her ability to pay for her room and medical care.

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 2020-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Copy of email sent to Chase Bank : XX/XX/2020 Re : IRA Account # XXXX Dear Mr. XXXX and XXXX -- - Yet again I find myself being treated badly by your IRA office. I finally got so disgusted with their poor service over the past three years, I decided to switch Trustees, to XXXX XXXX XXXX. 

When this 120-month IRA CD was set up about 7 years ago, the Manager at your the XXXX CA branch specifically wrote that there would be no early withdrawal penalties since I I am XXXX. I showed him my XXXX XXXX XXXX, and the registration of my XXXX XXXX. 

Recently there has been about {$18000.00} or so in this IRA CD, so I've been getting about $ 180/year at the one-percent interest rate, which is put back into the CD. 

When I had XXXX XXXX XXXX  send the paperwork to transfer the IRA trusteeship from Chase to XXXX, I had my XXXX banker include documentation I gave her of my XXXX from the State of California [ XXXX XXXX  ] and XXXX County Superior Court [ where an application to permanently excuse me from jury duty due to my permanent XXXX was granted ]. I also included a photocopy of the Chase XXXX Branch 's Manager signature stating that there would b no penalty for early withdrawal. 

Despite all of this evidence being presented to you IRA office, they proceeded to deduct approximate {$730.00} from the IRA when they transferred it to XXXX XXXX XXXX!!! 

I would like to know why these funds were deducted, and how the calculation of that amount was made. I would like to know why -- -despite the signature of the branch manager, and the evidence of my XXXX -- -your IRA office deducted ANYTHING!! 

... .. 
... .. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX {$400.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$7300.00}, XXXX XXXX XXXX {$190.00} & XXXX XXXX XXXX {$200.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.

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 2020-04-29 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: Nelnet, Inc.
State: WI

Complaint narrative:
Over the past 2 years, I have disputed the same account with XXXX and either they refuse to dispute it, refuse to provide me with the documentation they received to verify the account is reporting correctly, or refuse to explain to me what was updated when the information is the exact same as it was before the dispute. I have contacted the company directly and have submitted to XXXX the documentation received and XXXX will not use it from the company. The most recent dispute was not updated because XXXX just took the same information from the last dispute and applied it to this one. This account has been paid in full and paid satisfactorily, however, XXXX won't reflect that in the reporting and this error is causing me credit issues : I have also advised XXXX that the company is reporting my name incorrectly as well. The agent said, " it is a mispelling, not an inaccuracy ''. I advised the agent, according to the FCRA, all information must be reported accurately and a mispelling is an inaccuracy. 
Results Report Number : XXXX Date Generated : XXXX XXXX, XXXX US DEPT OF EDXXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose US DEPT OF EDXXXX Account Name XXXX Account Number Education Account Type Individual Responsibility XX/XX/XXXX Date Opened Transferred, closed. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$11000.00} Original Balance {$0.00} Highest Balance NA Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/2019 we had fraudulent activity on our Chase credit card. It was discovered when a package showed up on our door from XXXX that we did not authorize or order. We immediately contacted Chase within 30 minutes and found that there were numerous other fraudulent charges on our card. Chase advised that we would not be held responsible for these unauthorized charges. Chase immediately closed down our account and re-issued a new card. In total there were approximately 10 fraudulent charges that occurred before the account being closed down. 

Chase conducted their research and removed all but one of the fraudulent charges on our account ( the one that alerted us to the fraudulent activity ). Chase notified us that the XXXX charge for {$420.00} would remain our responsibility since the package was delivered to our home address. We explained to Chase numerous times that we did not order this product and have contacted XXXX to attempt to have the merchandise returned to them. Our assumption is that the fraudster did not change the billing address to a separate mailing address when completing the transaction with XXXX. XXXX was not able to help us on the return due to the fact that we did not have a receipt for the purchase. 

After initial Chase claim decline, we filed a reconsideration request and asked Chase to provide the merchant documentation proving that we ordered the product for {$420.00} ( how card was information was provided, IP address, signatures, etc ). Chase stated it needed to go through legal review before sending to us. We have escalated numerous times over the past several months and have not received any additional documentation except for an additional claim denial. I have left the case manager, XXXX ( ext. XXXX ) and have not received a response back after multiple messages left. 

The merchandise is for a drone, bag and memory card which I have offered to send to Chase or XXXX but neither have been willing to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
This

company whic h I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is ob
ligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
My authorized user, XXXX XXXX purchased a full size outdoor shed for {$130.00} from XXXX *XXXX thinking we were taking advantage of XXXX sale on XX/XX/XXXX. I did not receive it by XX/XX/XXXX so contacted XXXX to ask them to contact merchant. They never responded so contacted my credit card XXXX and asked them to dispute. They give me provisional credit and ask me to supply proof of what I ordered. I faxed the email proof and they acknowledged that they received my proof for Case ID XXXX. On XX/XX/ XXXX sent a letter saying XXXX is outside of the permitted timeframes to continue the claim through the dispute process and that the chip was read and validated during the authorization process or the card was present and CVV confirmed. This was an online purchase. The merchant is a scammer as they were mailing small trinkets to our address and we thought they were just confirming our address before shipping a 11ft by 18.5 ft full size shed. I emailed the proof of what I ordered and never received. They refuse to credit my money and allowed these XXXX scammers to defraud Americans.

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 2020-04-29 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: PA

Complaint narrative:
I contacted citicards on XX/XX/XXXX to file a dispute over receiving a ring that was not what I ordered. They requested that I outreach to 2 different # s that they had for the merchant, which I did with no success. I also attempted to reach out via the website that I ordered from but the website was taken down & via another platform w/no response. I again contacted Citicards to file my dispute on XX/XX/XXXX. I did not receive any correspondence from Citicards requesting any additional information from me ( I have attached a picture of my inbox as it says messages are held for 1 year ). 

On XX/XX/XXXX, I get an email telling me that my dispute was resolved and they sided w/the company, who sent a picture stating my package was delivered. This was never in question. My issue was that I received something that I did not pay for. They then requested that I send in what I got vs what I ordered or proof that I attempted to return it but requested that no pictures be sent in. How am I supposed to prove something if I can not send in pictures ( Letter attached ). 

I ended up composing a PDF document with everything they requested and sent it on XX/XX/XXXX ( This is attached ). They sent me a letter on XX/XX/XXXX stating that they had previously requested this information and it was not sent in therefore my dispute was closed. However this is completely untrue. I was never sent any letter either by mail or electronically requesting additional information. Even if this was true, the most recent letter from XX/XX/XXXX, regarding my dispute requested this info, which I sent. I expressed my frustration as I was attempting to contact them via phone but their system kept hanging up on me and I informed them that I would be contacting CFPB. 

Citicards never requested additional information from me asides that initial complaint on XX/XX/XXXX. I have attached a screenshot of my inbox as my correspondence is electronically and there is nothing there asides the letters I was sent informing me of my results and a letter from XX/XX/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