vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
on XXXX the XXXX someone withdrew XXXX dollers on my unemployment card the got my info somehow and stole my card info and becuase bank of America does not protect there unemployment people very well and so i filed a claim with them to get my money back the sent me a new card when i went to activate it said account froze its been two months and still dont have my card unfroze i have sent my verifaction to unemployment and and still nothing eveeytime i call unemployment or bank of america its somthing diffrent everytime its hust back and forth this is crazy i need my money im so far behind on bills rent and barrowed from family just to get the little things we need i have thousands of dollers on my card and cant even access my account to pay anything this is such a hardship we are already in a pandimic facing hardship then for them to hold my money is not ok i cant even go look for work becuse im dealing with a sick child on and out of the doctors all the time please i beg for help with getting my accvpunt going again please please and also is 5here a class action lawsuit i can do if u could please get bavk to me at XXXX again my name is XXXX XXXX from XXXX XXXX nv

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 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I asked this company for a debt validation letter, which I have never received. They call me 4 times a day EVERY DAY. They call my work phone twice a day and my cell phone twice a day. They call from a Maryland number but as far as I know, they are not located in Maryland. I have asked them to stop calling my work. This is a violation and they continue to do it. They are harassing me even after I asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: MD

Complaint narrative:
I received an USBank Reliacard for benefits I did not apply for and for a a state in which I do not live. Reliacard provides you no ability to cancel the card or to report the fraud. The automated system will simply disconnect you if you are not providing the information to activate the benefits card.

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 2021-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
After getting approved by XXXX XXXX with a TD Bank joint venture, I have not been able to utilize the credit they gave me after running a hard inquiry anymore. I keep getting an error that my account information is incorrect when it is the finance account is connected to my login and is working. I was able to use the credit twice before but am now not able to utilize it. I have an available balance of over {$1200.00} and the purchase price I am trying to make is below {$1000.00}. I have tried, multiple times, to contact XXXX XXXX with 4 different phone numbers and am never able to get through to a single representative. I have been on hold for more than 30 minutes and sometimes over an hour with no resolve. Their online chat is very rude and hostile with no remedies. The first two purchases were made on XX/XX/2020, and XX/XX/2020. I have made my monthly payments since then. I am completely frustrated with their customer service and feel as though they are practicing fraud by targeting individuals to apply for a finance program that once approved, you can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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

Complaint narrative:
XXXX County Indiana Child support and Experian have not worked together to resolve a lingering derogatory on my credit report. XXXX county Indiana child support put a derogatory on my credit report for over {$3000.00} at the end of XXXX. No prior notice of this being reported by them was given. Once I found out about this from my Experian account, I paid the balance in full on XX/XX/2021. They have yet to take the derogatory off my credit report. I have opened up several disputes with Experian and they have not acted. Not only did I never receive notice of this prior to, but I paid it the day I became aware of it and that was almost 30 days ago. Their failure to resolve it is an infringement that has resulted in damages, including my inability to perform my job since I am required to travel abroad and couldn't get my passport due to this travesty. 

Experian and XXXX Co lack of action to resolve in unacceptable and must be raised.

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 2021-03-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Nissan Motor Credit has reported a late payment for for XX/XX/XXXX of more than 30 days late. In XX/XX/XXXX I contacted Nissan Motor Credit and asked for forbearance due to COVID 19 impact for 90 days. They honored it in XXXX but for XXXX they reported me as being late. I contacted them once I found out in XXXX and paid XXXX and XXXX and XXXX payment at once and asked them to correct this late reporting as it should have not been reported since the forbearance was due to COVID-19. I sent a certified letter to their home office per their instructions and requested the credit reporting update ASAP. It is not XX/XX/XXXX and to this date they have not done the correction. This has impacted my credit negatively. 
I have included the letter I had sent to Nissan Motor Credit asking for this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$370.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: NH

Complaint narrative:
Attached is a write up of the issue. I'm not sure if I have a case. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XXXX I received my Hyundai Lease statement to discover a Sales/Use Tax of {$16.00} billed to my account. I called Hyundai Lease and they could not explain why this sales tax was applied since my vehicle lease is now 2 years and 6 months old and will expire in XX/XX/XXXX. 

I never received any documents to show a reason for this tax being applied to my account. My lease payment of {$220.00} monthly already includes any sales tax since my start of my lease. 

I had a similar sales tax/use tax applied in XXXX of XXXX which led to a civil lawsuit filed with the XXXX XXXX XXXX XXXX, which the court awarded my the Sales Tax fee reversed and other fees paid my Hyundai Lease. A year later and the same circumstance is now occurring which again appeared that I will be forced to request assistance from the court again due to lack of customer service by Hyundai Motor lease.

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 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had a MORTGAGE with SHELLPOINT MORTGAGE SERVICING of a VACATION HOME in XXXX XXXX XXXX XXXX, XXXX - FL XXXX. Loan ID : XXXX. 

Vacaytion Homes in Florida was really impacted by the shutdown and covid situation. XXXXXXXX XXXX and airport were closed. All the houses was closed by the FL State. 

I called a lot of times to SHELLPOINTS asking to a releef because we didn't have guests at the houses. The Mortgage didn't reponse, when reply my request just gve one month of releef. 

I paid a lot of fees because they usually to reply weeks with delay. 

Otherwise, the MORTGAGE company REPORT lates caused by them. They was forcing me to make an additional mortage at the house, even when i asked to pay inn full the amount due. 
I could not wait more and i SOLD the house, because the ammount due was impacting me and the COVID impacted more. They didnt give me releef, even others mortgages were helping the borrows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I requested 2 balance transfers to my new Citi card, one to pay off XXXX and XXXXne to pay off XXXX XXXX, the transfer was approved and debited to my account on XX/XX/XXXX. On XX/XX/XXXX, Citi once again debited the same amounts to XXXX and XXXX. I checked my account online and noted a very large minimum due. It was then that I noticed the Error. This was on XX/XX/XXXX. I called CITI and spoke to Customer service, they stated that they were aware of an issue and it would be fixed with in 24 hours. I called back next day and got a run around and told it would be fixed in 5-7 days. I also mentioned to them that this now impacted my credit score as it went down XXXX pts overnight. Again, I was told they were aware and wound fix the issue. It has been 7 days, no one can tell me when it will be taken care of and when they will fix the issue. They also cant tell me when they will correct the report to the credit bureau. I ask to speak with a supervisor and they hang up on me. Its incredibly frustrating. On XX/XX/XXXX I had excellent credit with a score around XXXX, its now XXXX. I was in the process of making home repairs and getting an loan which I am no longer able to recieve do to this.

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 2021-03-02 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XX/XX/XXXX Purchased three stainless steel XXXX XXXX XXXX XXXX XXXX systems from XXXX for {$130.00}. Six weeks later, I received three cheaply made white plastic six inch pots. My Chase Credit Card was charged the amount to company XXXX. I could not return items to company because it was past the thirty day from purchase window for returns. I disputed charge with Chase in Case # XXXX and mailed Chase the supporting documents describing the confirmation order and the bait/switch plastic pots received. On XX/XX/XXXX I received a letter from Chase stating that the merchant 's charge was valid and described the purchase of an " XXXX XXXX XXXX '' a product I have never ordered. Chase has charged my account {$130.00} for 3 small plastic pots. When I called Chase for an explanation, I was told I had to mail supporting documentation to them to reopen the case. I mailed receipts, photographs, tracking numbers, and a letter to Chase on XX/XX/XXXX and have not received any confirmation from Chase. Please help me. There are numerous reports on XXXX XXXX  using these bait and switch tactics through numerous shell companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive been in forbearance on my Bank of America mortgage loan since XX/XX/XXXX, in accordance with the CARES act. My mortgage is with XXXX XXXX. Recently I read that executive action released on XX/XX/XXXX, that they have extended the forbearance an additional 90 days past the original 12 months. Ive called twice, on XX/XX/XXXX and XX/XX/XXXX to extend my forbearance in accordance with the executive release and both times have been told by a representative that Bank if America doesnt have the extension in their system. They refuse to connect me to a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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: FL

Complaint narrative:
Please support me and help me as today in the morning I saw my credit report and I saw accounts that are not mine. I am very stressed out because of these accounts as I am for sure identity theft victim. How can I protect my personal information? What shall I do? How to survive now when I have an accident and unknown accounts in my profile? Life will be different now as all my plans got ruined by bad reporting by Bureaus. Please support me and remove all the accounts. Please I rely on you guys.

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 2021-03-02 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: Possible Financial Inc
State: TX

Complaint narrative:
In the beginning of XXXX I lost my job due to the COVID situation. I emailed Possible Finance explaining my dilemma. XXXX a representative from Possible Finance informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to Possible Finance regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks Possible Finance would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
The below collection agency is providing false information regarding an old account that was closed and charged off in XXXX. The dates of the charge off is incorrect, the amounts are incorrect, the reason for the debt is incorrect and the aging dates are incorrect. 

The agency is reporting the old debt as new on my credit report and updating the report each month. In addition to the credit report update the agency is sending offers letters to my home address. 

I have disputed this account several times. Each time I dispute, the agency update the date the debt is expected to fall off my credit report to a later date. In doing this, it's affecting my debt to income ratio. I've tried to resolve this issue with the credit bureau and collection agency and have been unsuccessful. 

Debt was expected to be removed from my account XX/XX/XXXX and have now been updated to be removed to XX/XX/XXXX Radius Global Solutions XXXX XXXX XXXX XXXX XXXX, MN 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 2021-03-02 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: PA

Complaint narrative:
We paid our credit card statement online XX/XX/21 ). When checking it appeared not to have been processed. We called the company ( Bank of America ) and they said payment did not post. We then paid our balance a second time. Payment was over {$1700.00}. 
Two days later XXXXwe called back and informed them we were charged twice. The person apologized and said funds would be returned to our bank within 7 business days. 
Today ( XX/XX/21 ) was the second time I called the credit card company and again was told it was in the process of being reviewed. 
So Bank ofAmerica has held our {$1700.00} for over two weeks and only said it was being reviewed.

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 2021-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: IN

Complaint narrative:
I have Fairway mortgage, and every year they send me a bill for a mortgage shortfall, and every year I pay the difference to keep my monthly payment the same, AND every they receive the check,,, with the coupon,,, and deposit,,, and then proceed to turn me over to debt collection for that amount that was paid from the monthly amount. 
This has become chronic and when you call their so called customer service,,, they can never manage to get someone on the phone to fix the situation!!!

Company response to consumer: Closed with explanation