vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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: OR

Complaint narrative:
log into my account noticed money running low started looking at transactions noticed that XXXX was taking money out of my account, called the Bank of America told them I don't know of XXXX and never heard of them. I thought at first there was only a couple of transactions, Bank of America customer support told me there were more transactions made to XXXX, he told me first transaction happened XXXX XXXX, 2020 for the amount of {$34.00}, the ones I noticed was on the Month of XXXX for the amount of {$930.00}, when I logged into my account on XX/XX/XXXX. Total taken from me {$4400.00}. So Bank of America closed my debit card and and sent me a new one, I filed a claim and I asked them to cancel last transaction from XXXX, and for some reason they would not, transaction was still on pending process, anyway I filed police report with XXXX XXXX XXXX. officers name was XXXX XXXX XXXX # XXXX / police report case # XXXX, Bank of America is not accepting the police report claim, I disputed the claim 3 times, and yesterday Bank of America told me they will not be reopening the dispute, the reason they denied my claim is cause the 1st transaction was over 30 days and I did not stop it, but I keep on telling them I did not notice it until XXXX, also it seems bank have not been in contact with XXXX to see who ended up with the money, my bank statements just tell me XXXX received the money. I also tried getting information from XXXX, but they could not give any info due to there privacy policy, ( I do not have XXXX account XXXX I got lots of email from them they got 2 request # for some reason so I will give you guys both ( XXXX XXXX & XXXX XXXX ), XXXX XXXX from XXXX is telling Bank of America and or XXXX to contact XXXX at XXXX I do not believe either one of them has, Please help me, not sure what else I can due

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 2021-02-06 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: NY

Complaint narrative:
Experian is showing one time late in there categories box. I requested and received and reviewed my full credit report. There is no lender reporting a 30-day late on the report at all. I have tried to relate this information to Experian and have not heard anything back from them. I want the one time late from some unknown entity removed from my credit report.

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 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC
State: MI

Complaint narrative:
The loan was all set to close. On XX/XX/2021, we received an email from XXXX XXXX of Member First Mortgage, regarding the closing disclosure which included a fee of {$33.00} for an employment verification. We request information on this transaction and received no response from XXXX XXXX We had submitted check stubs up to the finial time of the closing, which the employers name and phone number was available. Please review the receipt from the XXXX  XXXX XXXX  order by XXXX XXXX of Members First Mortgage. If XXXX wanted to verify employment she could have contacted the employer or addressed in concerns with my husband. At one time she was questioning the hours he worked being shorten. He hauls gasoline which the pandemic we are going through all over the world caused his company to shut down this year, as well as reduce the number of work hours for all drivers in the company. We have asked everyone about this charge no one seems to know why the charged is placed on us or should it be the responsibility of Members First Mortgage? Members First Mortgage would not provide us with the attached receipt we had to obtain it from another source.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX  XXXX XXXX XX/XX/XXXX. Both stated they received no scores from TransUnion, XXXX, and XXXX. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!

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 2021-02-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I hold a CD which matures today, XXXX XX/XX/2021. I called the Wells Fargo number listed on the Maturity Notice today and asked that the funds be redeposited to my checking account. After several transfers of my call, I was told that the funds would not be available until XXXX XX/XX/2021. 

This is unacceptable use of the funds float without benefit to me by Wells Fargo.

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 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Getting a request grom paypayl that i sent money these imdivduals caused my account to close i will attach pictures below,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Please refer to previous complaint number XXXX Regarding Company Comedity XXXX XXXX. 
Account was paid in full XX/XX/XXXX. I over paid and received a refund. I wrote and mailed a certified letter to the company Comedity XXXX XXXX to close my account. At my request. I received a letter stating my account was closed due to too many inquiries. 

I checked my credit report from XXXX. It now indicates a credit score of XXXX. XXXX claimed that the company Comedity had not reported on my account in 6 months. I have proof they did. 

My XXXX  credit reports also indicated that the company Comedity XXXX XXXX pulled a hard copy of my credit history XX/XX/XXXX. I called XXXX  to find out why this company pulled a hard credit on me. The account was paid in full 12 months early and closed. I was told I had applied for credit again with this company. That is false. I paid this off and closed this account. I also ask that XXXX note my only 90 day past due period was due to a natural disaster, Covid. Ive never been late prior on this dental XXXX, Comedity XXXX XXXX. I was excused one month without penalty due to being in good standing. The next month they refused to lower my payments stating this dental bill was a digital credit card. It was not. I do not own a credit card of any type. Comedity XXXX XXXX indeed report my account to XXXX during the past 6 months and I have not reapplied for credit. The hard pull should not have been made after I paid the account off 12 months early and closed this account. XXXX  refuses to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I added my Capital One XXXX  One card to my XXXX Pay portfolio prior to attempting to make a purchase. As part of this process, I was required to undergo a series of verification checks both with Capital One and XXXX Pay. 

Shortly after, on the same day, I attempted to use the XXXX Pay option at Walmart. The payment process was not completed and the POS directed me to call Capital One. I called Capital One and after going through a series of prompts I was connected with a man ( I do not recall his name, but he was the only male individual I spoke with during this ordeal ). I explained to him what the problem was. He asked for my account number, I advised him that I did not have the card number present because the card was part of my XXXX Pay portfolio. He then asked for my Social Security Number. I advised him that I was standing in line at Walmart and that I did not feel comfortable speaking out my Social Security Number in line at Walmart. As a past victim of identify theft ( I am still dealing with something that happened over a decade ago ) that option did not sit well with me. He then said that he would not be able to assist me. Since I had no other option at that point because I needed to complete the transaction, I read my social security number out loud in a line of customers standing behind me and a Walmart cashier. This is at least 7 people who, if they were paying attention and wanted to, now have my social security number. Thank you Capital One for being customer focused and friendly and for being my partner in maintaining my privacy and security. I salute you. 

Upon receiving my social security number he placed me on hold for about ten ( 10 ) minutes and the call disconnected. Please remember, I am standing in the line at Walmart with customers standing behind me. I then attempted to use my Capital One XXXX  business card. Since the whole idea for me making this purchase was to purchase late XXXX gifts for a group of clients, it made sense for me to use that card anyway instead of my personal card. Perhaps the first card being blocked was some sort of divine intervention? No. When I attempted to use the Sparks card, I encountered another problem. The cashier was not able to explain, but one item kept getting removed from the transaction. After holding up the line for almost 20 minutes, I went ahead and used my XXXX XXXX card to complete the transaction. 

Later I contacted Capital One again and had to undergo a series of verification checks including sending in a copy of my Driver 's License to verify my identity. This is crazy because even though I sent in my Driver 's License, you still don't know that it is me. All you know is that you received a copy of my Driver 's License.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 I called Capital One to request a refund of a credit balance. The representative advised me that it would be at least 10 business days before I received the refund. I advised him that timeframe was not acceptable to me. In fact, it does not even take that long for me to pay the bill. I explained to him that ten business days was almost a month. He said it would be XX/XX/XXXX. I am not sure what calendar he is using but the XXXX would be ten calendar days and not ten ( 10 ) business days. I asked to speak to his manager. He put me on hold for about five ( 5 ) minutes and I was then connected with a " Senior Supervisor. '' I explained to the lady that I did not want to speak to a supervisor. I advised her that this had nothing to do with her personally but that it was more due the previous two problems that I had with a " supervisor '' with Capital One and that both issues remained unresolved. She explained to me that there was nobody above her that I could speak with. This is 100 % not true. If it were, that meant she is the highest ranking individual at Capital One. I know this is not true, she knows it is not true. In fact, here are a few that are more senior ranking than she is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Around XXXX XXXX, 2020, Nelnet made programming changes that caused Nelnet borrowers with older browsers/computers to be cut off from their account data. 

The Nelnet homepage works fine. The dialog boxes used to login by providing user name and password work fine. But once logged in, the XXXX XXXX XXXX is not presented with their " dashboard '' as previously was the case for many years, but is instead presented with only a blank screen and two buttons : HELP and LOGOUT. 

Browser XXXX  XXXX. 
This browser can not be upgraded on my computer. 
This browser works for all other websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXXXXXX XX/XX/XXXX. Both stated they received no scores from XXXX, XXXX, and Equifax. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: DC

Complaint narrative:
Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXXXXXX XX/XX/XXXX. Both stated they received no scores from XXXX, Experian, and XXXX. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!

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 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I've attempted to withdraw XXXX from my binance.us exchange account. I've been unable to do so as the following message appears when I've attempted to do so on multiple occasions after the aforementioned date, " Withdrawals suspended due to risk management ''. I've sent in a support ticket through the platform 's help desk on the same day and the only responses I get are " We are currently working on the issue. '' For such a simple functionality, I question if this is a technical error with their system or is there some illegal reason behind this. Multiple individuals on twitter are experiencing the same issues with the company and we haven't received a single substantial response on the timeline or reason towards fixing this problem. My account is fully verified according their levels of identification so for security purposes, it passes that requirement for currencies to be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting a debt on my credit report, from a company named XXXX XXXX XXXX for {$400.00}. This debt does not belong to me. I have no knowledge of this debt. It is fraud. I reported to Transunion that my identity had been stolen from years XXXX through XXXX. I have no knowledge of this company. I have not had any dealings or contracts with this company. I have never had any services with this company. I have not ever used any debit or credit card transactions with this company or their affiliates. I would like for Transunion to remove this debt from my credit report.

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 2021-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
To Whom It May Concern, This complaint is regarding my XXXX, XXXX and XXXX  credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is KOHL'S/Capital One, XXXX XXXX. This account is an account that I'm totally unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/XXXX we closed on a refinancing with Eagle Bank for our single family home in XXXX MD. 

On XX/XX/XXXX we were informed that our loan had been sold to US Bank. The effective date of US Bank to start receiving payments was XX/XX/XXXX. Our loan number is XXXX. 

On XX/XX/XXXX I was informed by email that USBank had disbursed {$1900.00} to XXXX XXXX for an insurance premium payout. 

Unfortunately, we do not have our homeowner 's insurance with XXXX XXXX. We have our insurance with XXXX 's and this payment was made by Eagle Bank on XX/XX/XXXX. 

In speaking with the poorly trained customer service department, I was informed that US Bank made a payment for the premium for the Master insurance policy for the Condo.

This property is not a Condominium, it is a single family home which could be easily checked by using XXXX or perhaps just reading the documents. 

Even if this was a condo, what Condo owner pays the premium for the Master Insurance Policy for the Association? The only premium a Condo owner would pay is for an HO6 policy.

The rep then asked me if my policy covered walls in or just the outside. Again, this is a single family home so this question shows a poor understanding of what is in a Condo policy vs a single family home policy. 

The rep found that my paperwork was processed incorrectly designating it as a Condo. Why that happened and what possessed anyone to send a payment for a premium for a Master policy when you aren't even processing my payments yet for the mortgage is unbelievable. 

We are very disturbed that you would send funds out of our account when you do not even have the account till XX/XX/XXXX. 

I spoke with a rep for US Bank on XX/XX/XXXX and was assured my paperwork would be updated and the funds returned to my account. 

On XX/XX/XXXX I received an email that US Bank has now sent another payment for homeowners insurance for {$1900.00} to XXXX XXXX. Still not our homeowners insurance policy. Called the bank on XXXX and they had no record of my request from XX/XX/XXXX. I asked for a lock on any more escor payments and that they had t get my authorization. They refused. I am now out {$3900.00} with no assurances when this money will be returned. I emailed XXXX XXXX XXXX XXXX at the Bank with no response. 

US Bank has shown us so far very sloppy handling of our account, our funds and very poorly trained workers. Not what you want to see when you handle our escrow for insurance and taxes.

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