vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For two years I have been trying to get Capital One and XXXX XXXX to leave me alone. Neither has shown proof that I owe the debt in question. I have complained to them, to the credit bureaus, and anyone else. Even CFPB. To no avail. I was being charged for internet services after I discontinued service because XXXX or whoever they were then, did not take account that I PERSONALLY returned the box on question. Literally. I was evicted. I did not live there and I had service with them, through my mom, at home. Why on earth would I keep a box, when I had a box and access to it already at home? Doesnt make sense does it. Now when I told them that, they told me they dont have a record. How am I to blame that they dont have a record of return? I havent had their service or that box since I moved out in 2018. They send the debt through a different company each time. It is categorically unfair they can continue to charge me, even though, they cant produce any evidence that I didnt return it. I asked them to check the cameras. I was there. I asked them to check my card the day I returned it. It was a restocking fee. They say it didnt happen. Regardless of what they are saying, I do not have anything of theirs anymore. I was in a promotional period allowing me to cancel. They are using this device as a means to get my to pay something I dont owe. I refuse to pay for their error. Now, capital one is ridiculous because they refuse to discuss the matter of the closed card over the phone. However, when I went in they gave me an internal document that SHOWED the account was paid in full. I went in physically to the Uptown location in XXXX. That same day, they were robbed at the counter. I say that only to say there is a recording of me there discussing this issue with them and they admitted it was paid in full internally but since it was already submitted to the debt collection agency, it is up to them to remove it. HOW!?!?! XXXX  and all the other investigator arms of credit bureaus dont investigate. They do not ask anything of the companies. They take their word and service account poorly just to make sure they have some money to be made themselves. My credit account has been frozen since 2018 because that was the only way to get them to see these occurrences are unusual. They removed one, of the two, separate companies asking for money for XXXX but if one didnt have a claim to the money, the other shouldnt either. As far as capital one, who knows, maybe they in bed together? Idk. I do know I dont owe them anything. I even mailed the document to XXXX  and the others in 2018. I was told there isnt a record of anything. Yet, they responded to all other mailed in dispute forms. The credit bureaus should be working to help people out of these times. Not be in cohorts with the companies attempting to put low income people lower on the totem pole. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JSZ Financial Co., Inc.
State: TX

Complaint narrative:
The land lord and property manager got angry when I decided not to renew my lease because the house was in extremely poor living conditions. I paid the final XXXX that rent and moved out early due to relocation for woek. After that I received an alert that I owed a debt ofa little over XXXX. This has effected me and my family o have a XXXX and XXXX XXXX XXXX and it's impossible to secure a lease for a good price with this fraudulent debt on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Duvera Billing Services, LLC
State: NV

Complaint narrative:
Utilized small loan service Duvera to assist purchasing a puppy with an understanding I would have until XX/XX/2020 to satisfy the amount due. Duvera assigned the loan to XXXX. XXXX applied an appalling amount of interest to the loan. In my constant calls they were unwilling the allow me to satisfy the account so that they could continue to charge insane and illegal amount of interest daily. Once I finally had satisfied the account, they continue to report me as having a monthly payment and balance due. I have called and again they are unwilling to assist by updating their reporting to the bureaus. I am requesting all interest refunded, and credit reporting updated to reflect as paid in full/satisfied. This reporting continues to negatively impact on my ability to receive credit. This company is engaged in continual predatory lending practices, and are acting maliciously against me. They need to be closed down! Where are consumer protections?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My chase bank account was closed on XX/XX/2020 and till this moment Im yet to receive my money in the account {$4500.00}, they said the account was closed due to suspension activities, all my effort to talk to them on phone and in branch as yield nothing, they threatened with FBI investigation I dont know why cause all my money in the account was either from my XXXX account or XXXX  which is from friend family and business. Please I need you to look into this as its taking forever and no one will tell me when Im getting my money back, I XXXX XXXX XXXX XXXX and Im not getting any income all my money was in the said CHASE BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MS

Complaint narrative:
XX/XX/XXXX Chime bank closed my account and did not refund the balance to me. I sent numerous emails and Chime Customer service pretty much says they dont have to disclose any information. My Chime account remains closed. XX/XX/XXXX, my second stimulus check were deposited to my closed Chime checking account. I never applied for direct deposit nor nominated Chime as my bank to deposit my stimulus check since its been closed to me. Chime bank somehow managed to manipulate that without my consent. Chime scammed me out of my remaining balance before closing my account, and now tried to scam me out of my stimulus check. IRS is not reissuing stimulus checks, I now have to file my taxes electronically to then be credited from the irs. I have no funds to pay for my rent and no funds to feed my kids due to Chimes fraudulent acts. Chime shows no compassion for its customers during the pandemic. I had a balance of {$490.00} before Chime closed my account and I would like to get reimbursed for whats mines. I can not afford to get scammed at a time like this. As for my stimulus, I have to follow up with the irs again to see what my options are. Please help me get my funds back from Chime bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid {$330.00} to XXXX XXXX on XX/XX/20. I was unable to go on the trip due to COVID-19. I tried contacting XXXX but they never responded. I filed a credit card dispute with Citi and lost. I believe I should have gotten my money back. I did not travel and never used this rental car.

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 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
I have numerous of things that's being reported falsely on my account and credit report .someone is using my name to these companies and I would like to get it removed as soon as possible its a total of {$4300.00} on my credit .I tried to contact the company and complain and they was very XXXX and threaten me .Due to covid 19 its been a tool on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX, a student loan company withdrew unauthorized funds from our account with Bank of America ending in XXXX. I contacted Bank of America numerous times to no avail. 
From what I can tell as a result of numerous phone calls, is XXXX XXXX continued to auto-withdrawal. No one from this address or last name ever went to XXXX XXXX. 
The total amount that was fraudulently withdrew amounts to {$1500.00}. 
I would appreciate a full credit back to my account ending in XXXX from Bank of America.

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 2021-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Usaa took my XXXX stimulus payment. The account was overdrawn due to fraud. I filed a police report because I was a victim of fraud. Usaa knows this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
reported complaint XXXX at XXXX XX/XX/2021 after communicating with XXXX XXXX XXXX 4 times today I received another call at XXXX it was a message asking me to call. I called the number back again and I told the gentleman I received a call he said we already talked to you and I replied I know but you called again. The gentleman transferred me to a female she did not provide her name I advised they called again and she said it was their auto dialer to which I replied please remove my number and she said no you will continue to get calls until you resolve the matter. I replied that is illegal I will just file another XXXX  and XXXX complaint and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have been a Bank of America customer for 14 years. 

On XX/XX/XXXX, I was alerted by Bank of America over text message that there were three potentially fraudulent transactions being taken. These charges, taken within the same minute, were charges of {$87.00}, {$470.00}, and one over XXXX XXXX XXXX which got declined. Upon receipt of these texts I immediately called BofA to tell them those charges were not from me, and request that my card be cancelled and to have another one sent to me. I informed them that I had my card on my person, which the BofA rep said was strange because the person using the card used a chip, but that she would take care of the matter immediately, credit my account back and open a fraud case. 

I was confident that this would get resolved easily as I was in Connecticut, where I live, and the fraudulent charges were occurring at a XXXX  in XXXX, New York. I had also used my card at a physical XXXX XXXX store in XXXX, CT only a few hours earlier. I could not be in two places at once. Additionally, the rapid, incrementally larger charges were pretty clear cut fraudulent behavior. Lastly, I have been a good customer of Bank of America for over a decade with no history of something like this happening. I trusted Bank of America to take care of this for me. 

On Wednesday, XX/XX/XXXX, I look at my BofA app and see that I have two " Fraud Dispute '' charges of {$87.00} and {$470.00} put back on my card. I called BofA immediately and they said that the claim was denied and that because a chip was used then it must have been me or someone else that had my card. 

I have called multiple times to file complaints and ask that this get looked into further. I was informed that I'll hear back in approximately 90 days on the results of this claim, but I assume that this will again be thrown out as " a chip was used. '' No one at BofA has reached out to me to explore anything further, ask questions about how I could be in two places at the same time, etc. I'm not sure how I went from being a valued customer to a liar and a criminal so quickly in BofA 's book, but I need this to be resolved as I do not want to just throw away {$600.00} that I did not spend.

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 2021-01-19 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: Nelnet, Inc.
State: IL

Complaint narrative:
DEPT OF ED/NELNET- Account number XXXX is reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I applied for the cares act protection plan for one year. they refused to give 1 year option only 6 months. 

they constantly harass me about my income which is illegal according to the cares act. 

they also blocked payment options on the mobile app thus preventing me from trying to make any payments. 

they also sent a letter before the 6 months was up stating i will lose my home because im 6 months behind stating i owe the full 6 months. 

the cares act allows me to use the paused 6 months as 2nd lien due after the 1st mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been having a issue with this credit bureau for the past 2 weeks and not AUTHORIZED someone had fraudulently obtained my credit report and it is some hard inquiries on my account that i was told i can dispute if it is unauthorized. These XXXX refused to dispute these charges and im livid. I don't have this problem with the other credit bureaus Tbesides EQUIFAX AND IM FED UP ABOUT THIS. The other credit bureaus disputed this with no issues. But Equifax is giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: FL

Complaint narrative:
Equifax is in violation of 15 USC 1681a ( 2 ) ( B ) as any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card that I used to originate every consumer transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) ( d ). I am demanding that they remove all of the transactions from XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Upgrade from my report immediately. Equifax is violating my rights as a federally protected consumer under title 15 chapter 41. I have also sent a letter to Equifax demanding that these transactions are removed from my consumer report but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Monterey Financial Services LLC
State: NV

Complaint narrative:
Utilized small loan service XXXX to assist purchasing a puppy with an understanding I would have until XX/XX/2020 to satisfy the amount due. XXXX assigned the loan to Monterey Financial Services. Monterey Financial Services applied an appalling amount of interest to the loan. In my constant calls they were unwilling the allow me to satisfy the account so that they could continue to charge insane and illegal amount of interest daily. Once I finally had satisfied the account, they continue to report me as having a monthly payment and balance due. I have called and again they are unwilling to assist by updating their reporting to the bureaus. I am requesting all interest refunded, and credit reporting updated to reflect as paid in full/satisfied. This reporting continues to negatively impact on my ability to receive credit. This company is engaged in continual predatory lending practices, and are acting maliciously against me. They need to be closed down! Where are consumer protections?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent out a round of letters to each credit reporting agency ( XXXX, XXXX  and Experian ) requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.

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 2021-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
XXXX banking  took XXXX $ from my Chime account! I have XXXX XXXX on XXXX ; not Chime. I confused as too how they got my chime information they also have all my bank transactions, pay history, etc available for him to see on his XXXX account which is completely against the law! XXXX has already taken fees and the loan from my XXXX XXXX  account and now theyre just stealing! Ive tried reaching out, Its IMPOSSIBLE they will not answer nor respond! My bills are now past due because of it and Im at risk of losing my car because of this.

Company response to consumer: Closed with explanation