vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
In XX/XX/XXXX, I noticed a charges on my account totaling {$380.00}. I submitted a claim to Navy Federal Credit Union, they gave me a provisional credit, and then reversed the credit which cause me more financial harm. It caused my account to go into overdraft, so when my direct deposit was placed in my account, it took everything, which caused for me not to be able to pay my car insurance, my policy was canceled, and I have to pay another fee to get my insurance restarted. 

XX/XX/XXXX, I received an email that someone hacked into my account and added themselves to my account to transfer money. They made 2 transactions. One was for {$200.00} and the other one was for {$280.00} totaling {$480.00}. I was out of town so I sent an email immediately and told NFCU that I did not authorize these transactions. It has been over a month and there still has not been any resolution to my claim. 

XX/XX/XXXX, I was looking over my accounts and I noticed a {$2000.00} charge from XXXX XXXX sales that I did not authorize. I asked my brother about it and he admitted to taking my card and making the purchase. I did not authorize this transaction. 

I have emailed the XXXX XXXX XXXX several times, and there still has not been any resolutions. I have been an victim of identity theft, someone has my information and it seems that they can get access to anything that I have. I filed a police report this past XXXX regarding this. 

All of my claims has been denied, I filed appeals and they were denied. I asked for a copy of the documents and evidence that was used to determined that these charges were authorized, and I have been denied the paperwork. I have even asked the fraud department, to ask the merchant, do they had video of me in their establishment making these transactions, and was my pin used, etc. They will not help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14 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: AZ

Complaint narrative:
In XX/XX/2021 a person by the name of XXXX XXXX contacted me by phone from XXXX XXXX XXXX stating they could help me to reduce or a loan forgiveness to student loan program. In a verbal agreement she stated if I filled out the paperwork to submit the form to the student loan program on my behalf they would take out {$530.00} for there processing fee. I gave them my debt card info to take 2 transactions on XX/XX/2021 {$260.00} & XX/XX/2021 XXXX to XXXX XXXX  listed on my statement. Per XXXX she stated if the federal government did deny my student loan forgiveness they would reimburse me back the the amount of {$530.00} since the federal government deny my paperwork. 
It was a verbal agreement. Hence it took until like XX/XX/2021 I received the letter stating they denied my paperwork for the forgiveness program. I reached out to XXXX XXXX by phone & email asking when they will return my money. The phone # & email does not exist anymore. Now Wells Fargo said I had to dispute with XXXX XXXX XXXX & that the transaction occurred back in XXXX I had waited too long to dispute. How was I suppose to know that is was a scam until after the fact. I tried to reach back out to XXXX that the phone # & email does not exist ... Now they will not take into consideration that this is a scam .... I am really disappointed with Wells Fargo not protecting me as a customer for over 20 years. I am going to close my account.. I can forward the email from XXXX XXXX the email does not exist anymore.. How is this not a scam!!!!

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian refuses to update my credit report and score. All three my scores and my credit reports are supposed to update on the XXXX of every month. This is a paid that I pay for I made numerous attempts to get my updated reports and scores but they refuses to cooperate. They also refuses to release my report and my score to 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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not XXXX person has called me to verify not XXXX thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We are an attorney 's office that requested a discharge for a paid in full HELOC loan. The Mortgagee was Bank of America. The mortgagor was an Estate and there was a zero balance. We have a payoff letter from Bank of America showing the zero balance. We have been tracking and requesting the discharge continuously since XX/XX/XXXX, to no avail. This is beyond the statutory 45 days to record a proper discharge of mortgage. I have attached proof of my attempts to obtain the proper discharge. I have also made many telephone calls which resulted in no satisfaction, literally and figuratively. Our office represented the bank and buyers. The attorney 's office that represented the seller has also made the attempts, including the Personal Representative of the Estate forwarding any documents BOA requested and verbally informing them to close the account and issue a discharge. A phone call.place on XX/XX/XXXX resulted in them informing me the placed an insurance policy on the property in XXXX!! All the while knowing the property had been sold in XXXX and the account was to be closed and discharged. We need assistance getting BOA to record the necessary Discharge of Mortgage.

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 2022-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I initiated a request for a HSA to HSA account transfer due to the creation of a new XXXX XXXX. I did not submit the request until all funds were liquidated from the investment vehicle and settled to cash. The aim of this transfer was to move all funds from my existing UMB Bank HSA account to XXXX 's new HSA portal. I submitted the request to XXXX and followed up around 6 weeks as the transfer has not occurred. I again followed up on XX/XX/XXXX to identify why the funds transfer has not occurred. I was instructed by XXXX representative XXXX XXXX that XXXX and UMB had acknowledged the transfer, and that my confirmation was needed that the funds were liquidated. I completed the transfer request according to the Health Savings Account Transfer Request Form. UMB has access to my account and can see that funds were liquidated to cash. 

I have experienced consumer harm by having to keep my funds in cash for three months. The anticipated transfer window disclosed on the Health Savings Account Transfer Request is 3-6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2021, I found out about XXXX debit card transactions that were not authorized by me nor any of my family members or any other authorized person, and I immediately informed Bank of America about the transactions and opened a dispute claim since they were unauthorized transactions and I asked them to investigate it and refund my money However, on XX/XX/2021, Bank of America denied my request on XX/XX/2021 even though according to their {$0.00} liability policy, I wasnt responsible since I had no fault in this. I informed them about the robbery incident a week before that and that someone broke into my car and stole a few things and I sent them the report police department provided me with when I called them at the scene. I requested Bank of America to review it again, and they havent been responding to any of my attempts so I am requesting CFPB to pursue this matter on my behalf and reach out to Bank of America about my rights as a victim and that the charges be reversed, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. In addition, XXXX providing additional documentations and communications supporting my claim and confirming the dispute and that all the transactions associated with this claim were fraudulent and not authorized by me nor any other authorized person/family members associated with me.

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 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: SC

Complaint narrative:
I have told this company to not contact me. I dispute the alleged debt they are attempting to collect. The debt is not mine. 

Pursuant to 18 US Code 8, I owe no debt. This company is violating my my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Finally, as per 15 USC 1692c s 805, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: U.S. BANCORP
State: CT

Complaint narrative:
This is the email I sent to US Bank : To Whom It May Concern : I have never been late with any company for payments. When I inquired about getting a lower monthly payment with US Bank, I was forced to miss payments to get into the modified loan. However, you stated the 2 late/missed payments ( In XXXX XXXX ) would be removed from the credit report and you have not done that. My credit score dropped XXXX points and is not raising after you changed it to modified agreement. I need the missed payments removed as you promised. I never would have missed 2 payments if you had not told me to to get into the program. I could have stayed current and not messed up my score.

That should not be on me to absorb those 2 missed payments. Please remove those 2 missed payments from the history of the credit report or I will file a complaint with CFPB. Thanks. 

My account still shows a missed payment. I was fooled and ruined my credit. I should have no missed payments on my history. I missed it on purpose to follow what they told me. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX 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 2022-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I took advantage of offer of deferred interest from XXXX when purchasing a product, they had a store credit card at time with Comenity Bank. I returned many products, XXXX informed me in writing that they had " credited my account '' yet they failed to issue the credit to my comenity bank card, my ONLY account with them. Now they are saying that I had huge credit with MY ACCOUNT, but only one I could access or knew about was my Comenity acct. The two companies have stopped working together, and when Comenity did not see my credit, timely, they put all interest, finance charges and late fees back to balance on my card. XXXX claims it is too late to fix their mistake for not issuing credit to acct when it was issued, but timing is everything with deferred interest! They still owe me money, to this date, I told them to issue me refund and I will use that refund money to pay the interest and penalty charges with Comenity, even though those funds really belong to me, yet XXXX refuses, saying they will only offer me more merchandise for what is owed! So, Comenity is charging me over {$1400.00} in deferred interest, finance, late fees that I should not owe, save for the XXXX error, they are ruining my credit by reporting me late each month, for not paying this money they are extorting, and XXXX admits to mistake, but refusing to do anything to inform Comenity I should not have to pay deferred interest, they refuse to refund me more monies they still owe me, and my XXXX XXXX is now ruined ( XXXX ) due to each month this outrageous amount of fees and interest is being reported as late payments! Comenity refuses to acknowledge problem and just tells me to pay or they continue ruining my credit! .In XX/XX/2020 XXXX recognized another mistake they had made charging my Comenity account for something I had paid for using credits, and they sent the credit to Comenity 3 months following their breakup, but now that I need them to do the same, they refuse saying they can't issue credit now that they don't work together any longer. XXXX should be charged with a crime for doing things like this, comenity Bank is just taking advantage of me like a " gotcha '' and I am left paying a huge price for doing business with both of these companies!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit System is in violation of the federal law 15 USC 1681 ( b ) permissible purpose of consumer reports in which I the consumer never gave written instructions to furnish these items on my report. 

National credit system is reporting on my consumer report and the account had got deleted off my XXXX account. Whenever I dispute the information with this company, they don't give me any proof of the alleged debt. The company did not send me documentations with my written signature, According to Section 604 ( a ) ( 2 ) of the FCRA permits a consumer reporting agency to provide a consumer report when it is " in accordance with the written instructions of the consumer to whom it relates. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Yesterday at approximately XXXX PM EST in XXXX MD, someone used a fake PayPal debit card ( mine was in my wallet ) along with my PIN and made XXXX unauthorized ATM withdrawals from my account for {$44.00} each. XXXXncluding ATM fees, each of the XXXX transactions came to {$46.00} for a total of XXXX. 

Upon the XXXX attempt, PayPal sent the following text : " PayPal : A {$44.00} USD purchase with card XXXX at XXXX was declined. To retry this purchase, reply YES. To lock this card, reply NO. Text STOP to turn off texts for this card. '' After receiving the text I replied " no '' which locked the card, but the money had already been taken. 

When I disputed the XXXX transactions with PayPal, they responded ( within XXXX hours ) with the follow message in email for all 3 transactions : " We received the case ( XXXX ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( XXXX ). If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal Debit Card Department Attn : Dispute Resolution XXXX XXXX XXXX XXXX, NE XXXX United States XXXX XXXX I will formally request this " investigation '' information but it's obvious that PayPal has no intention of protecting me against fraud ( for {$130.00} ) and based on what I'm reading, anything over {$50.00} is illegal, so I would like someone to hold them accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14 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: TX

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 2022-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capitol One 2 times previously about this same issue. It appears that Capitol One is trying to draft payments from a frozen Capitol One " Free Checking Account, which is no longer active ''. The account it is not the bank account listed for credit card payments. Apparently I do not have a choice of bank accounts used to make payments automatically debited for credit card payments. I do not expect to see {$35.00} charges for an issue which remains the subject of my stress. I do not want my credit affected by an ongoing issue with Capitol One. I received another email telling me that my payment was unsuccessful. I then go to my bank account and to my surprise no payment was taken. I go into the Capitol One Dashboard and just as I suspected, " even after 2 calls to customer service '', the issue has not been resolved. I want Capitol One to remove the inactive checking account ( and saving accounts ), return the {$35.00} fee, and utilize the correct bank account for all upcoming payments. Upon checking the XXXX XXXX  account is clearly listed on the account as the payment account. I did not elect Capitol One Checking as the payment account and if I didn't know better, I would suspect Capitol One is trying to fee gouge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have been timed out of being able to upload copies of my drivers license and bank statement to Identify myself, years ago I sent copies to XXXX with no results, and I am VERY reluctant to mail my info as identity thieves steal mail looking for just these items. The time out business is bunk because I had to re-enter the same info on three different screens before submission, and then its timed out? 
Ive lived in the same place for nearly a decade, I have had bank accounts for two years, my identity should not be that hard to determine, nor should it Have to be mailed as uploaded files are more secure and expedient than mail-and ANYONE but me has access to my credit reportso they apparently have my correct info how can I not be identified?

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank promised {$200.00} welcome bonus after I opened a new business checking account over the phone and deposited {$3000.00} in new money. I followed all the terms and conditions and the {$200.00} bonus was supposed to be deposited within 60 days. After 77 days, I still did not receive the bonus. I called in 2 times with phone calls of 41 and 45 minutes. At first they said i did not qualify, Because it was a transfer and not new money. This is not true. It was a check deposited from another bank. They they said it appears that I qualify and the bonus was not applied due to an error and they finally agreed to submit an inquiry and told me to wait another 60 days. 

Account Opened : XX/XX/XXXX {$3000.00} deposited : XX/XX/XXXX XXXX Bank of America : XX/XX/XXXX ( 1.5 hours on the phone )

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