vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I viewed my Bank of America XXXX debit card account online and saw that over 10 fraudulent charges had been placed on my car, Totaling in a little over {$1700.00} dollars. The charges mostly were from a smiths fuels gas station. The nearest XXXX gas station is in Nevada. I live on the coast of California. And have never been to Nevada. 
I immediately contacted Bank of America, cancel my card and filed a claim. I was assured that they would review my claim and get back to me in 90 days. On XX/XX/XXXX, I received a letter stating that my case and been closed and that the money credited to my account will be taken back. Bank of a AmericaXXXX card has a {$0.00} liability. And I was robbed. And then Bank of America deemed it not fraudulent. Which is not true. 
Side notes : I never lost my card ; I never gave my card to anyone. I did not share my card information with anyone. I have seen many other people in this same situation with XXXX and the Bank of America pre paid card. Somehow we are being hacked and virtual robbed. And we are being wronged the the very companys who claim to protect us. What is {$0.00} liability, if low income people like me can not find resolution to a legitimately unjust act, like virtual theft during a pandemic? 
Thank you for your time and I hope we can make this right.

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 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Netspend Corporation
State: AL

Complaint narrative:
I was scammed by XXXX XXXX XXXX XXXX In XXXX XXXXXXXX It was An extreme over charge! I used my debit card to pay for the overcharge & Signed it " XXXX I do not want to pay this '' I reported this to NetSpend wrote them a lengthy report XXXX NetSpend Couldnt have done an Investigation .. They turned down my Dispute .. So I Investigated .. I found 29 Horrible Reviews 9 on the XXXX XXXX XXXX Others On XXXX XXXX Others on another Reporting Online Servies All Regarding The Same Exact type Issue as mine With This Company that goes By 3 Names .. The wreckers Have XXXX XXXX XXXX Written on There door .. The Office Is XXXX XXXX XXXX XXXX & They Billed NetSpend Under Another Name .. When I recieved My Social Security Ck Direct Deposit to my account NetSpend Took My Money .. They never contacted Me XXXX Other than to text that my Social Security had been deposited .. I left on a trip for a Job interview in California Thinking I had more than {$600.00} Dollars in my NetSpend XXXX My Homes In Al XXXX XXXX Alabama .. During the trip I needed the Money from my account When I tried to get it it was gone Taken by NetSpend XXXX leaving me Stranded In a XXXX Parking lot where I still am 3 days later .. I tried to contact NetSpend 6 times the First 2 times they put me on hold til it Disconnected The Third time I got to a supervisor & he hung up There were 2 more extended holds that Disconnected before I finally talked to a supervisor Named XXXX who tried hard not to be of any help NetSpend Has Caused Me Extensive Pain Anguizh & Suffering .. They Has Caused me Extensive Mental Physical & Emotional Trauma & Left me Stranded.. Please help I don't kno where to Turn and I have no other Recourse Or Resources .. Mentally

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 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
They closed my account and would not provide any information as to why. To my knowledge I did nothing that was out of the ordinary. Im sorry, I was just a young XXXX kid trying to build his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting my money back. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After being affected financially/physically by XXXX, XXXX XXXX XXXX placed my account in a XXXXXXXX XXXX XXXX in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, XXXX XXXX reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to XXXX and TransUnion that I made no payments during XX/XX/XXXX through Present and to XXXX that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once XXXXXXXX XXXX ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of XXXX, not late and was in XXXXXXXX XXXX XXXX and the information reported is false.

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 2021-03-07 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:
After being affected financially/physically by XXXX, XXXX XXXX XXXX placed my account in a XXXX protected status in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, XXXX XXXX reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to Experian and XXXX  that I made no payments during XX/XX/XXXX through Present and to XXXX  that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once XXXX XXXX ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of XXXX not late and was in XXXX XXXX XXXX and the information reported is false.

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 2021-03-07 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting back my money. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I jad a charge that the bank deemed valid it was for XXXX XXXX lrepaid and i never got service they refused to givenme my money and charged me for services not rendered i told them that i had to pay twice for the servives and still did NOT recieve my money back the charge was for XXXX on XX/XX/11

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 2021-03-07 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: Paypal Holdings, Inc

Complaint narrative:
PayPal limited my account for no reason and will not help me. I already submitted their requirements but still, I can't withdraw my money on PayPal. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just watch on XXXX that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I signed a new agreement and they went back to the old one. which all my payments went to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX  XX/XX/XXXX Closed amount {$1200.00} XXXX. 
XX/XX/XXXX Closed amount {$150.00} Capital one bank USA N XX/XX/XXXX Closed amount {$480.00} Capital one bank USA N XX/XX/XXXX Closed amount {$460.00} I am a victim of a fraud and I only have XXXX  XXXX XXXX  and XXXX XXXX card and XXXX XXXX as my cellphone carrier nothing else All three of my scores should be in the 800s XXXX  XXXX  and XXXX  right now and they are reporting and updating my scores wrong 1 by 1 score and I am not happy about this!!!! Please fix my request thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I refinanced from XX/XX/XXXX to XXXX in XX/XX/XXXX. I was told my next payment would be due in XX/XX/XXXX. 

In XXXX I received a letter from XXXX indicating my mortgage had been transferred to Mr. Cooper and that I would hear from them. The XXXX website indicated to pay the XXXX payment, which I did. 

In XXXX I spoke to XX/XX/XXXXand they advised I make the XXXX payment to Mr. Cooper after they contacted me, and that no late fees or penalties could be charged for up to 60 days after the last payment made. 

On XX/XX/XXXX I received my first communication from Mr. Cooper stating the payment was due XX/XX/XXXX, and that no penalty would be due if received by XX/XX/XXXX. Since both those dates had already passed, I used the secure messaging system in my online Mr. Cooper account to inquire/confirm I would not be charged fees/penalties for this payment. I received an immediate automated response that someone would be in touch with me. 

I made my XXXX payment as normal, on time. 

As of today, XX/XX/XXXX, I have received no further response in any form. They have not answered my question about avoiding late fees or penalties. They have completely ghosted me. 

I am going to make the XXXX payment but am frustrated that I am at risk for penalties and fees through no fault of my own, and have been unsuccessful in receiving any assistance whatsoever from the company. It is not just that I am forced to do business with a company that provides zero service. I should have the right to refuse to do business with them and to have my loan transferred elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I got an alert that my Bank of America prepaid edd debit card had a low balance. I checked my account and saw that there were 5 atm transactions from a XXXX atm totaling {$1000.00}. I immediately called and filed a claim, then I filed a police report. I heard nothing back from the bank so I called again 2 weeks later. They said it was still pending and call back in a week. I called back in a week and the bank said that it wasnt showing up and that they would re file another claim. Its been over a month and I just received a letter from the bank stating that this claim has been closed and that they believe the account or the claim have been the subject of fraud or suspicious activity. They stated that I will not be reimbursed. I went to login to my account and I am now locked out of my Bank of America prepaid account and I can not withdraw the money that is in there. They said that it is an issue through the edd and to call them. The edd is saying that it is a Bank of America issue.

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 2021-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: NY

Complaint narrative:
DEPTEDNELNET Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I received a letter from collection Agency ERC that I have a debt with XXXX for the amount of {$890.00} but that they reduced it to {$440.00} I have never had a XXXX account and if there is an account under my name it must be identity fraud. 
Reference number on letter I received XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I recently received access back into my PayPal account after providing proof of identity and income now after a withdrawal I have received another limited account status please help me withdraw all of my funds. I do not want to do business with PayPal anymore this is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07 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: IL

Complaint narrative:
I filed a dispute with Experian and your office both because they are reporting an account from XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX for an old ( Over 7 yrs old account ), so breaking the FCRA and also because the account is being reported incorrectly, the bank made me make full interest payments of {$160.00} plus late fees of XXXX XXXX monthly for every month I was late due to job layoff during the last great recession in 2010, told me to do so as it would keep me from losing my car and from my payments showing as late and then did not report these monthly payments at all making it look like I paid nothing to them each month when the interest payment and late fee was only a few dollars short of my actual payment!!!! They also then put a balloon payment on my account and so charged me double interest!! I want all documents and proof of payments from beginning to end on this loan sent to you, myself, and the Federal Reserve Bank. I am also sending a copy of this to XXXX XXXX. I want this account removed from all three of my credit reports, it is reporting past the 7 yrs time period, also I was never notified of the results and it shows the completed the investigation at the beginning of XXXX AND all has been reported incorrectly for seven years so I want them to not only remove it but all reporting agencies to send corrected copies of my credit report to all who I have applied for credit with during that time period. I also filed this most recent complaint due to this bank continuing to report this account as open and active after it was paid and full and closed at my request years ago, another creditor told me they are doing this that I applied with and I provided this information to you, yet the bank is telling Experian and Experian is responding to me about my complaint that all is correct per the bank and won't fix it!!!! FIX MY XXXX REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!! As I said I am reporting all today to the 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 2021-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: FL

Complaint narrative:
Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing XXXX XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 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 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