vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I went on line to pay in full my XX/XX/XXXX Bank of America Mastercard statement bill of {$560.00}. 

By error I must have added 2 zeros and entered the amount {$56000.00}, exactly a hundred times what I owed. I hit pay without realizing my error. I did not get a confirmation of payment, so I assumed that this payment did not go through. 
I therefore paid again, this time the correct amount of {$560.00} and did get confirmation of payment. The payments were withdrawn from my XXXX checking account. 

On checking my XXXX account XXXX I noted that BOFA had taken both the {$56000.00} and {$560.00} payments from my account. I called BOFA and the customer service representative saw that this was an obvious error, spoke to her supervisor, and assured me that the erroneous payment would be wired back to my XXXX account within 2-5 business days. I have not heard further from BOFA on this matter. 

I am surprised that this amount would have even been accepted by BOFA - my maximum credit with BOFA is only {$30000.00}. The computers are programed to recognize any unusual activity to avoid fraud and I do not understand how this excessively large payment would escape detection. 

I am fortunate that I have the resources to have a private banking relationship with XXXX and my banker has allowed my account to remain active and allow me to meet my current obligations. I informed her that I was informed by BOPFA that this error would be corrected within 5 business days which I calculate should have been XX/XX/XXXX because of the XXXX holiday. 

Today XX/XX/XXXX, business days and 14 days later, there has been no resolution of this matter. 

Today XX/XX/XXXX, I placed another call to BOFA and this time the representative informed me that her supervisor stated due to the large amount involved, this erroneous payment needed to referred to a financial committee for review first and this would take another 7-10 business days. I attempted to speak directly to a supervisor twice, but both times the call did not go through with wait times of 20 minutes. The call was terminated by BOFA. 

Federal credit rules state that overpayments of a credit card bill must be returned to the consumer within an ~ 2 week period. I am not getting any cooperation from BOFA. I have an excellent credit rating and have been their customer for ~40 years.

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 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
My car was a total lost do to a drunk driver. I had gap insurance which covered the lost. I called the gap insurer and they stayed based on the information they had I should get a refund. I spoke with a customer service representative at Ally financial..he first told me he saw few late fees but could not go into detail about the account because another department was handling the total lost. I spoke to a rep in the total lost department but they told me I would have to speak back to customer service about the fees and late charges. Ally says I owe them XXXX. I should be getting a refund but they made up some fees.

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 2021-12-28 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Noticed fraudulent attempts to open accounts at banks and credit unions which appeared on ChexSytems credit report. Contacted CFPB, after unsuccessfully trying to reach ChexSystems, and they corrected some of the illegal attempts with information I submitted. The letter I received from ChexSystems regarding the changes that they made, failed to fix 5 ( eliminate ) other " Hard Inquiries '', some which were at the same banks/credit unions from the previous activity, but with later dates. The same WRONG driver 's license numbers were attached and the phone numbers were incorrect. The SS numbers were correct and the address was correct, except for the Inquiry from XXXX XXXX XXXX XXXX. I called the consumer affairs number for ChexSystems today ( XX/XX/XXXX ) after receiving the letter from them today dated XX/XX/XXXX and was unable to speak to anyone -- -there was only the automated system. It is quite clear that the same fraudulent attempts ( Hard Inquiries ) are still on my account which, if anyone in their fraud department reviewed, should have been taken off. In addition, there is one Soft Inquiry that is fraudulent. It seems to me that ChexSystems is not acting in good faith.

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 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX consumer, natural person, and original creditor to an open end credit plan was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima. I was informed of this trespassing of my rights specifically 15 USC 1601- Truth In Lending Act by XXXX  XXXX XXXX XXXX XXXX XXXX d/b/a Acima on XX/XX/2021. According to 15 USC 1602 definitions of the Truth In Lending Act, i as a natural person possessing an open end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima with the adverse action taken against me denying me my rights of which civil damages pursuit to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up too ( {$5000.00} ). XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX d/b/a Acima is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For 4 years I have asked Experian for a copy of the permissible permission used by XXXX XXXX XXXX XXXX to access my credit report. I receive the same duplicate replies You are requesting Experian provide you a copy of the permissible purpose. At your request to conduct a reinvestigation, we contacted the data furnisher for the account you mention and asked them to verify the accuracy of the information with which you disagree. They responded and they updated aspects of the account. The result summary was sent to you on XX/XX/2021 for review. 
3 Problems with Experians reply. 1 ) I have yet to receive a copy of the permissible permission. 2 ) I have yet to receive summary of any updates from data furnisher. 3 ) Sending to XXXX XXXX XXXX XXXX is Experian passing the buck because XXXX XXXX XXXX XXXX just denies everything and calls everything duplicate complaint

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 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB
State: FL

Complaint narrative:
Hello, I wanted to submit a complaint on the company, Klarna. I recently purchased two monitors from XXXX and used Klarna 's XXXX product during check out. Klarna advertised their service as " no impact to credit '' and no interest payments for my purchase. 

I liked this option because I knew in the next few months I would be purchasing a new home. I didn't want to use a form of credit that could potentially impact my score when the mortgage lender did their underwriting. Klarna 's seemed like a perfect fit. 

My mortgage lender is currently in their underwriting process and pulled a copy of my credit report. A " hard '' inquiry is showing from Klarna XXXX XXXX for the purchase. 

In chatting with an agent, they are stating that the " no impact to credit '' does not cover the monthly payment option that I choose. However, their website here clearly says differently ( not to mention its all over their website ) : https : //www.klarna.com/us/customer-service/does-klarna-affect-my-credit-score/ If this information would have been clear to me in the beginning, I would have chosen a different payment product or option that did not impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I already wrote a claim on my email XXXX but I have updated news on the case, What happened was that XXXX $ were sent to PayPal user XXXX, XXXX $ were sent using pay pals feature goods and services I was able to get that back but the remaining XXXX $ werent because they were sent thru pay pals feature friends and family Pay pal told me I wasnt able to get that back to call my bank to file a claim I did and I got a letter in the mail saying I can get the money back and I called and they told me the same thing, I really need the XXXX $ back the person who scammed me I paid him to reactivated my XXXX account ( my music platform because it was deleted ) he pretended to be a employee and told him to send him money and hed reactivate my XXXX account and get my payments from my XXXX but he never did he blocked me and I havent heard from him please help I need my money the bank is no help and so is PayPal I need my money for rent I had to give up XXXX and get a new job because I was scammed this guy ruined my dreams and hopes please help his pay pal emails are XXXX and XXXX his name is XXXX please help I added photos of his face book profile and of his pay pal account please help get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I entered into the mortgage forbearance plan that was offered due to covid with the understanding that payments missed would be added to the end of the loan. At the end of the program I was sent a letter asking me to agree to a short sale or a deed-in-lieu of foreclosure. I am not going to agree with either one of those options. If I wanted to lose my home I wouldn't have even bothered with applying for the mortgage forebearance program in the first place. What kind of scam is this? I found this to look like a scam since they were not honoring the mortgage forbearance plan that the government said that they needed to provide. 

I am prepared to make the mortgage payments I used to do before the covid forbearance or better. 

I believe that the actions they are taking are predatory since my home has a good amount of equity. I need some assistance talking to these people to put the loan into a normal status and so they don't take my home from my kids and me. 

Thank you for your help Mr. Cooper Loan # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/21 I received a letter for the reason for denial of my credit card application from Navy Federal Credit Union. Per the letter, I was denied due to High interest Rate loan Application, Insufficient tax assessed property value, too small property acreage and too many Fha mortgages. 
I would like for them to explain first why is my mortgage and home values and size is being looked at for a consumer credit card. Secondly I would like for them to provide where did they get value of my house and lot size from as this info is not on my credit report. Lastly I feel this organization are practicing discriminatory credit decision making as as previously I was denied due to not making deposits into my account with their bank. I only have one mortgage so I'm not understanding how I have too many.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On or about XX/XX/2021, I called to activate a debit card recently sent to me by my bank. Since banks and investigators are seemingly letting this problem run rampant, this process of cancelling one debit card or account to receive another has become a punishment myself and other bank clients have to quite frequently go through. And each time I have to complete this action of cancelling my business debit card because my account was compromised, I never have my EIN available, so I have to verify that I am the authorized user in some other way besides this, and normally this is not a problem. However this time when I called, I was treated in such a way where I could conduct no business, and I do not think I or anyone deserves such treatment, especially in such an unprecedented era such as this, and especially on XXXX, a day of " goodwill toward men. '' If the criminals in these investigations are never going to be brought to justice, I see no reason why banking customer service representatives need to be rude, condescending and almost disrespectful to clients who are simply in need of the help that they are not only supposed to be given, but are in fact paying for through the myriad of fees we as clients have to endure, even in the hardest of times. When I called XXXX and spoke to " XXXX '' and his supervisor " XXXX '' ( or " XXXX '' ), they were so discourteous and rude, that a normally routine conversation was untenable and nauseating to the point where I felt soiled after speaking to them. If " customer service representative '' is going to be their official job description, then in order to correct this situation and see to it that no other clients feel as disrespected as I did, I propose that these representatives simply learn the definition of their employment title, if they are in fact happy about HAVING employment. " Customer service '' means you are there to respectfully and courteously take care of my needs, the client. " Representative '' means that while on the phone with me, your client, you are the voice of your company. If going back to reflect on the call that I made to " XXXX '' and " XXXX, '' I do not believe that the unpleasantness that they displayed on a recorded line " for quality and training purposes and customer assurance '' puts a good face on the company that I and thousands are clients of, and perhaps if they know the definition of their employment title, there will be no excuse the next time they fall short in customer service excellence. But hopefully there will not be a next time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XXXX XXXX I went to deposit {$6900.00} into the branch at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Utah. There were two other customers in front of me in the line. My wife accompanied me inside because we had dinner reservations. We were greeted by XXXX XXXX who told us she wanted us to use an electronic ATM-style machine. I declined. She insisted and bullied us into using the machine even after explaining we had a large number of bills to deposit. 

Halfway through the deposit, the machine malfunctioned. XXXX tried to back up the deposit, but instead, the funds were trapped and the transaction could not be processed. We watched as several other customers came and went. We missed our dinner reservation. The branch manager came over to assist. Both these employees assured me they would resolve it before XXXX XXXX. He said the wait had to happen because the machine servicing team would analyze the discrepancy. Approximately {$3100.00} could not be located. 

The problem is that I do have a temporary credit, but I am ostensibly being threatened that more money could be ripped out of my account on a whim if they can not settle the deposit machine. Their promise of a XXXX XXXX resolution was not upheld. I've tried calling for assistance, but all I hear is that no new notes have been added.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Going into early 2021, up until XX/XX/2021, I had a business banking account with XXXX, owned by BBVA. 

BBVA recently merged with PNC in the US, and I needed to get statements for the account, so I attempted to contact the last number I had for XXXX. It told me that it was a BBVA number, and that BBVA is now PNC, so I contacted PNC customer service. 

Upon contacting PNC customer service on XX/XX/2021, I told them my situation and that I needed statements for the account. After waiting on hold for about 20 minutes, the representative came back and told me that she couldn't find an account with my business ' name on it. 

After spending about another 20 minutes searching to see if I had any old documents related to the account and not finding any, we agreed to end the call. 

By law, banks must provide customers statements from their accounts, and the fact that they have no information about an account is extremely scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: AZ

Complaint narrative:
Hello, My wife and I both have private student loans through Earnest and I am trying to figure out how to make principle only payments. Their website says they do not allow principal only payments in addition to regularly scheduled payments. 

Here is the web address with information : https : //help.earnest.com/hc/en-us/articles/115001345788-How-do-I-make-a-principal-only-payment-Student-Loan-Refinancing Here is the text on the web page : How do I make a principal-only payment? | Student Loan Refinancing Since all payments received on your loan will be applied to interest first, then to principal, we're unable to offer a principal-only payment option. However, by making an extra payment on the same day as your due date, the majority of that extra payment, if not all of the extra payment, will go towards your principal balance. You can find directions on how to schedule an extra payment here or review payment processing times here. 

If you're enrolled in Auto Pay, you can increase your monthly auto pay above the minimum payment amount to have more of your payment go towards principal each month. To increase your monthly Auto Pay, contact Client Happiness Team directly by clicking the " Get In Touch '' button found at the bottom of this article. 

************* I find it very odd that I am not able to pay down the principal only on my loan in addition to the regular payments. My wife and I have not missed any payments. Are their rules permissible under current law? I feel that we should be able to make additional payments to shorten the life of the loan and reduce our family debt as soon as possible. 

Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: AZ

Complaint narrative:
I have disputed this issue numerous of times with Experian and XXXX only to be told that they verified the information by computer with the creditor. Experian stated that the company certified they issued me an installment loan but I have never applied for a loan with this company. I have sent in 3 disputes asking for a copy of an application for credit with my signature as well as a signed contract from the creditor and have never received it. All disputes were sent via certified mail and received by both XXXX and Experian. This account was previously blocked for identity theft but was placed back on my credit report by XXXX and Experian without notifying me in writing that it had done so or as to why. Experian and XXXX have never noted the account being disputed no matter how many times that I have disputed this account. I never receive paper copies of the disputes updates by mail nor can I log into XXXX to check dispute information. Experian website and app does not allow me to check the dispute results but I am able to log into the website and app to see my credit report. They both also refuse to remove all addresses that don't belong to me. I have attached a copy of my dispute letter and screenshot of credit report from each bureau.

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