vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA REPORTED CHARGED OFF CREDIT CARD THAT I HAD NEVER BEEN APPLIED NOR ASSOCIATED WITH. I MADE DISPUTE WITH BANK OF AMERICA AND 3 CREDIT BURUEAS AS WELL. BANK OF AMERICA SENT ME LETTER STATING THEY DECLINED FRAUD CLAIM AND DIFFERENT AMOUNT WHICH IS WAY LESS THAN WHAT IT REPORTED ON MY CREDIT REPORT. 
ON MY REPORT IT REPORTED I OWED {$21000.00} BUT LETTER BANK OF AMERICA SENT WAS {$17000.00} THIS HAPPENED LAST YEAR WHEN PANDEMIC STARTED AND DUE TO THIS WRONGFUL INFORMATION ON MY CREDIT REPORT I WAS NOT ABLE TO OBTAIN ANY LOANS SO I LOST MY BUSINESS. THIS IS SOMETHING NEVER LET IT HAPPENED AND ALSO THEY DID PUT JUDGEMENT FOR WRONG AMOUT AS REPORTED. IM ON PROCESSING OF WRONGFUL JUDGEMENT. 
PERSON LIKE MYSELF DO NOT HAVE POWER AND BIG COMPANYS DONT LISTEN TO WHAT PROBLEMS IT CAUSED TO WHOLE FAMILY BECAUSE OF WRONG INFORMATION ON MY CREDIT REPORT. I HAVE NEVER MADE 1 LATE PAYMENT AND NEVER HAD ACCOUNTS WITH BANK OF AMERICA. 
THEY CLAIMED THEY VERIFIED BUT WHAT CAN THEY VERIFY AND WHATS THE OUTCOME OF VERIFICATION. THIS MADE MY WHOLE FAMILY LOST WORK AND BUSINESS. MY OTHER CREDIT CARDS LIMIT REDUCED BECAUSE OF THIS INCIDENT NO ONE HAS TAKEN REPOSIBILITY OF. 
AS I HAVE RIGHT TO ASK HELO TO SOMEONE WHO HAS POWER TO LOOK INTO THIS AND I CANT JUST WAIT ANY LONGER AND FIGHT WITH BIG BANK LIKE BANK OF AMERICA. 
BY THE LAW THEY HAVE TO MAINTAIN ONLY ACCURATE INFORMATION REPORTED TO CREDIT BUREAUS BUT THIS CASE THEY ARE NOT DOING ANYTHING BUT WRONGFULR JUDGEMENT AND WRONG INFORMATION REPORTING. I NEED HELP ON THIS MATTER IM XXXX YEARS OLD AND THIS IS IMPACTING A LOT ON MY FINANCIALS WITH SOMETHINGI HAVE NEVER DONE WITH. I ASKED THEM TO PROVE I APPLIED AND DOCUMETNS WE SIGNED OR ANYTHING BUT NEVER PROVIDED ANY VERIFCATION OF DEBT

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 2021-07-21 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: Chime Financial Inc
State: PA

Complaint narrative:
I noticed 12 authorized transactions under my credit builder transaction history on my chime account. Some were processed some were still pending. There was all little random amounts adding up to around XXXX . I made a dispute and they emailed me saying there is no billing error and they going to email me what they used to come up with there decision. I have yet to see it. Im just so upset Im not rich I work hard for my money for someone to take it and my bank that I been with for years to say theres no error. So I called them after seeing the email I called and asked why didnt they approve my dispute they said All they can do is give me the information that they use to come up with their decision or they said I can do a rebuttal but I have to come up with new information that I didnt give them the first time so I dont have any new information because I just checked my account one morning and I seen all these transactions so I just called them and reported it and then that was it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Atlanticus Services Corporation
State: AZ

Complaint narrative:
Since opening the Aspire credit card several non-requested user transactions have occurred : An authorized user card was added to my account without request - I was charged a {$25.00} service fee - The additional party added has their own, unused Aspire account - When this person was added I was requesting actual cards to be sent due to many months of never receiving the cards An automatic withdrawal for the entire balance was set up in XX/XX/XXXX on a knowingly closed account remaining in my account history - I was charged a {$25.00} reversal fee - When this transaction was manipulated, I previously set up a replacement acct - A {$200.00} payment was also " refunded '', with no identifying traceable information - The {$200.00} payment was made prior to the auto pay being forced onto the account - There is no designation for " primary '' payment account These insider manipulations concerning my account are running up the otal owed on the account. I am not being allowed to make regular, affordable payments. Excessive, illegal and unauthorized access and changes within my account setup and payments are causing exacerbated injury to my credit, banking relationships and time consumption by creating unavoidable debt! This is being done by adding fees through triangulation of my account by never having information available that I request to verify with the financial institutions I am currently doing business with or have done business with in the past. I am being hit with fees every month and larger balances when I try to pay my balances down, legally! 

It is clear from month-to-month that there was no account auto pay set up as my payments were made via direct payments in the web portal. Each payment was returned. When I brought this information to XXXX 's attention, XXXX, the supervisor on today 's call ( XX/XX/XXXX ) at XXXX XXXX  ( AZ ) attempted to delete information needed as proof to these aggressive tactics of financial manipulation of my account. She also stated that the {$25.00} fee for a closed bank account should be taken up with the bank! I hold no account there, therefor, XXXX bank would never charge {$25.00} for a XXXX XX/XX/XXXX transaction on an account that has been closed since XXXX XX/XX/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 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Link Revenue Resources, LLC
State: TX

Complaint narrative:
I have repeatedly had XXXX XXXX XXXX call this company to tell them they are balance billing and the debt is not owed but they just get a new credit collection agency to take the collection claim. I am under constant harrassment for a debt that I do not owe. They also use a service called Link Revenue Resources which tell me that they can not stop billing until the " facililty '' tells them to. The only number for XXXX XXXX billing is the phone number to Link Revenu Resources and the corporate office does not help me either. I am attaching the multiple contacts I have had with them in 2021 alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reporting all three credit bureaus to the Consumer Finance Protection board for reporting judgements, liens, and public records on my credit report in XXXX and XXXX they removed the items from my credit report, 2 yrs later the credit bureau XXXX put the judgements, and liens back on my credit report when I failed to monitor it, there are 2 tax liens for {$17000.00} from XXXX XXXX and {$17.00}, XXXX from XXXX XXXX that was reported by the internal revenue service, I sent the tax lien arrearage slips to the credit bureaus, and they removed them, and XXXX blocked me from entering the website, and started reporting a whole bunch of judgements, and tax lien, equifax has a paid off child support account theat they have not removed after 13 yrs they need to delete it, when they garnished my stimulus check, these credit bureaus are negligently reporting judgments and liens and is showing up on my credit as federal tax liens, I have submitted the judgements and tax liens as evidence that they are in violation of the FCRA. They need to delete these items from my credit report as they are private. XXXX, and XXXX, is reporting judgements/public records by XXXX court, when they are not supposed to, there is a XXXX XXXX XXXX XXXX account on my credit report for {$6700.00} that is an eviction judgement. The judgement is a court order and is not supposed to be reported on XXXX and XXXX are not supposed to be reporting it, 2 accounts for XXXX XXXX or XXXX XXXX XXXX, I signed no contract with that creditor so I don't owe anything to them, the bureaus are not supposed to be reporting it either there was no verbal, or written contract between XXXX to collect the debt that is now time barred XXXX XXXX XXXX had to remove the debt from my credit report so they sold it to XXXX XXXX without any 5 day notice or 30 day notice nor contract, XXXX XXXX took it upon themselves to try to report to the bureaus, if I have signed no contract or notice they are by law supposed to remove those accounts. They are also putting duplicate accounts on my credit report the bureaus do this purposely to drive the score down further

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
- Mortgage loan was originally with XXXX. Extra payment was made toward principal on XX/XX/21 in the amount of {$910.00} - Servicing of mortgage loan was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper from effective XX/XX/21. At time of transfer, principal balance was {$350000.00} and escrow balance was {$2700.00}. 
- During transfer, some money went " missing '' and Mr. Cooper determined that the principal balance was {$350000.00} and escrow balance was {$99.00}. 
- I worked with Mr. Cooper and XXXX to fix the escrow problem and that has been resolved. The principal balance is still incorrect - I continued to pay my mortgage as required. However, because Mr. Cooper initially started off with the wrong balance, they applied too little to my principal and too much to my interest in XXXX and XXXX. While they now seem to be back on track, they haven't gone back and corrected those attributions, so my principal balance is higher than it should be. 
- I have sent documentation of proof of my final balance with XXXX to several account managers at Mr. Cooper, as well as having several phone calls and email exchanges since the mortgage was transferred. The last individual that I spoke with ( XX/XX/XXXX ) finally understood what had happened, but the problem still has not been fixed. My attempts to communicate are now being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In 2020 Capital One didnt send me the credit card and I never received, activated or used it. Couple of months back they charged me XXXX $ annual fee. I have already left my job in US last year and have loved to XXXX. I do not have a bank account to pay the annual fee and their representative isnt aware of any other way I can make the payment. Now given that I can not make the payment, they said they will keep accruing the charges until I ever come back to US and pay the bill using a check. Can you please look in to this and ask the bank to waive my charges of XXXX $ given the card never reached me and I was not able to use it until I was present in XXXX . I do not have my credit card number because it never reached me. My SSN ends in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 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: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
I agreed to make a purchase for a security system and monitoring service. I was not properly provided with a hard copy of the sales papers before installation. I tried to cancel the sale on the same day that the purchase was made. Their customer service did not know how to handle my complaint. I was placed on hold for long periods of time. They failed to provide the proper security system and installation. I cancelled the sale in writing as per their instructions. They have since then sold my account as delinquent. A bill collection agency has reported me to the credit bureau as having a collections account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried numerous times to have the CRA remove erroneous and outdated information from my credit report. I have sent a copy of my license and proof of address and they continue to do nothing about correcting their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
My loans are serviced by Navient. They contact me relentlessly, and in a harassing manner on a daily basis. I have asked repeatedly about the CARES act and forbearance due to same. I am told that it does not apply to me, and put on a regular forbearance instead. My loan was " prior to 2010, so it isn't owned by the Department of Education. '' I don't understand that, and she couldn't explain it to where I could. She threatened me with credit reporting and ongoing late fees, etc. She talked me into another forbearance, because I wouldn't qualify for any " forgiveness '' that may happen. 

I don't understand why, if my loans are not owned by the Department of Education, they were not discharged in my bankruptcy i. I don't understand why they call me several times a day! It is frustrating and I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I currently have illegitimate collections debt on my credit report and would like to fix it. 

The first is from XX/XX/XXXX for {$1100.00}. My ex-wife hurt herself in the gym, and the insurance company requested a statement that she was not a victim of domestic abuse. She provided the statement, but the hospital did not return it to the insurance company. When they tried ( years later ) the insurance denied the payment because of the age of it, and it was sent to collections. 

The second is from XX/XX/XXXX for {$780.00} for my son. However, because of my sons XXXX he has been covered by both my insurance, and state insurance his entire life. There is no legitimate reason he should have an outstanding medical bill. 

When I called XXXX XXXX ( the originator of both debts ) a few weeks ago, they had no information about them and told me to call the physicians group. When I called them, they had no record and said they do not even use the debt collectors listed on my credit report. When I called XXXX XXXX back, they still had no record and promised to figure it out and call me back the following Monday. The following Friday I called them since I had not heard anything, and was hung up on multiple times. 

In addition, each debt is showing on my report twice each for a total of four accounts in collections. A few weeks ago I disputed all four debts, and all four just came back as valid. The accounts did not appear on my report until XXXX XXXX, after the statue of limitations was already past, and now it is being double reported with absolutely no help from either debt collector, or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I've previously disputed inaccurate accounts with Equifax several times over the past 7 months via USPS certified mail. While some items were corrected some items still remain inaccurate. I disputed my accounts in good standing because they aren't reported accurately as they should be on a monthly payment frequency. Equifax does not record any of my payments in the historical payment data pattern history on any of my revolving and installment accounts. Equifax records in the comments of my revolving accounts " amount in H/C column is credit limit '', Equifax also reports {$0.00} for H/C amount. This is inaccurate reporting and is damaging to my credit score and report .... Because the comment " amount in H/C column is credit limit '' is found on all my revolving accounts, I will say that this is done blatantly by Equifax credit reporting agency..this is unlawful reporting ... Upon investigation of my dispute directly to Equifax, Equifax credit reporting agency deleted the following revolving accounts instead of updating them accurately ; XXXX, XXXX XXXX, XXXX, XXXX. Why is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
In XX/XX/2021 I received notice that my property tax was past due and I was assessed a penalty fee of {$250.00}. I have an escrow account so I notified my mortgage company Union Bank, right away and the balance was paid. However, they pulled the penalty out of my escrow funds which I believe is not legal. I have called at least 6 times to resolve the matter, which would be them refunding the late fee to my escrow, and I have received no resolution. I have received no written notice that it has been resolved and each person I talk to on the phone assures me they will " take care of it. '' As of XXXX, XXXX it has not been resolved.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I got a personal loan with XXXX XXXX XXXX XXXX for Solar Equipment. On XX/XX/XXXX I requested a Forbearance due to Covid-19 and was approved for 120 days starting XX/XX/XXXX and ended XX/XX/XXXX. 
During the Deferral Period : 1. Late Notices will be disabled. 
2. Late Fees will be disabled. 
3. XXXX will report your Account to the credit reporting agencies with Special Comment Code AW, indicating that you have been affected by a natural disaster. 
4. Payments will be suspended and added to the term of the Loan.

5. If your Loan is a Promotional Loan, th
e remaining term of your Promotional Period will apply to your Loan once the 120 -day period expires.

6. Billing Statements will be suspended. 7. Interest will continue to accrue during the 120-day period.
8. Billing Statements will resume for the billing cycle following the expiration of the 120 -day period.

9. Other than these modifications, the terms and conditions of your Loan remain in full force and effect. 
I was still getting notices from this company, and I would call them and there reply it was computer generated and do not worry about it, you are still under a Forbearance. I got contacted in XX/XX/XXXX to see if I were able to start making payments or did, I need another Extension for Covid-19 I said yes, I would like another Extension. As with other company there was no problems with the extension until the credit Bureau were reporting me late the hole time I was on Forbearance, then I find out that Service Finance company charged off my account in XX/XX/XXXX, my first Forbearance would have ended on XX/XX/XXXX. So, my account was closed 30 days after my first forbearance, when I thought I had an extension with a second forbearance. I call XXXX XXXX XXXX in XX/XX/XXXX and found this all out, I was shocked that this happen and try to fix the problem they had me catch on all payments up to XX/XX/XXXX and I have been making payments ever since. They are still reporting me late and adding late fees. They stop reporting since XX/XX/XXXX, but damages have been done to my credit. I have about 6 different credit accounts with are all in good standings, this account thru XXXX XXXX XXXX has put my credit in bad ratings with late payments and a charge off while I was on a Forbearance.

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 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
A company calling themselves " XXXX XXXX '' called me XX/XX/XXXX. They informed me my brother was contacted first, who gave them my phone number, because I was facing a court hearing for a Wells Fargo debt collection I had no idea of. They said they could not find my phone number or address to contact me first. They said I had a balance of {$360.00} to be collected from Wells Fargo, for a debt owed XX/XX/XXXX. I tried to get as much info as I could about them but in the liability release, their phone number is not listed. I can not find " XXXX XXXX '' online anywhere, except that it may be a scam. 

Although they say in the document the payment was for XX/XX/XXXX, the payment didn't show up until XX/XX/XXXX in my bank. The receiver of the payment is not listed as " XXXX XXXX '' but instead " XXXX XXXX XXXX ''. " XXXX XXXX XXXX '' is searchable online, but there is no company website, no company phone, and no other contact or informational sources about it.

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 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase has put a 72 hour hold on a bitcoin transaction for nonsensical security reasons and I have no way to contact or4 dispute the hold.

Company response to consumer: Closed with explanation