vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hello CFPB Team, Here I am filing Dispute against BOA, XXXXXXXX XXXX and XXXX XXXX. This is XXXX, In XXXX 2022, the XXXX Scam ( Employment scam ) happened through my Bank Of America account XXXX I attended one interview in XXXX 2022, they gave me employment confirmation offer and it was fully Work from home remote opportunity, after that for office accessories ( Laptop, chair and desk ) the employer provided me checks and asked me to send the money to the vendor so that the vendor will directly sent the accessories to my home. I deposited the checks which were provided to me and I transferred the money from my account later I realized the whole thing was a scam. My account went to a negative balance and I reported to the BOA XXXX department regarding this whole scam so they freezed my account and they performed an investigation but unfortunately I was the one who transferred the money without knowing it was a scam so finally I ended up paying the balance to BOA ( XXXX $ ). I paid the balance amount to BOA and I got a confirmation letter from BOA, I am attaching here. BOA informed XXXX XXXX  and XXXX XXXX before I paid. After I paid I raised a dispute against XXXX XXXX and XXXX XXXX they updated the status by saying account balance Paid fully but still I am not able to open a bank account, Its been 2 months I am applying for Most of the Banks and Credit unions but I am not able to open a checking account anywhere, I am not sure what information is presented in my Credit report. After I did all these still I am not getting any Justice That's why I am raising a dispute against XXXX XXXX, XXXX XXXX and Bank Of America, Please help me, Here I am the victim Of both employment Scam and BOA. Here I am not able to understand how a victim can be punished even after I paid the full amount to BOA, When I went to ask the same thing to BOA they were very irresponsible and they simply said this is how it works. I am hoping I will get justice here. Because of this I spent lot of sleepless nights. I hope I will get XXXX here. 
Looking forward to hear from you!! Please let me know if you have any further questions.

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva refuses to lower the absurdly high minimum payment. It is currently at {$210.00} a month, which they say is based on the highest balance of the card. The issue with that is that even though the balance is dropping, the minimum payment is not. They make using the credit protection plan impossible, they offer no support or help to lower the monthly payment, and instead of helping when you call, all they do is send you on an endless transfer circle, each department saying the other has to help you. They are leading me to either file bankruptcy again or let the card go to collections because it's just not affordable and it's interfering with my ability to live. To be clear, they have REFUSED to lower my minimum payment and have offered no form of support at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Obviously a scam, you'll never get your money back once they have it! I opened a savings account only with Affirm on XX/XX/XXXX. I've been trying to close my account since XXXX since interest rates elsewhere are more than 7 times higher. They will not let me transfer the balance in my account out unless it's to the account used to fund their account. Who would keep an outside savings account open after moving the funds to a new account? All attempts are a completerunaround and wear you out tillyou give up. After failing multiple times since XXXX by chat, or phone, filed email complainton XXXX XXXX XXXX responded saying they'd resolve in 3-5 days and " they are forwarding to the appropriate department '' What is that exactly? Hearing nothing for 13 days, I responded to emailonly to have XXXX respond therequest canonly be handled by phone. Most calls require you to enter numerous security codes sent to your phone and shuffle you between departments and personnel until you give up or they drop you. For example, on XX/XX/XXXX, called them entered my relevant phone, address, name, TWO security codes at different points then they hung up on me. Called back, same XXXX eventually got XXXX in the " Account Closure '' department I guess, she was " unable to close the account until the Savings department sent my funds '', enter XXXX in the Savings Dep't. Again verify my name, phone, address, hold 10 minutes, advises " she can't help and must escalate to higher department ''. I asked repeatedly what that " higher department '' was only to be told " customer satisfaction '' and later that she was " looking for a manager '', another 20 minutes on hold. XXXX passes me to XXXX claiming to be a manager who after I explain again, tells me she can't give me my funds, I need to do it myself via their website. I explain AGAIN, how their website won't allow it telling me to call ... after warning me that she will hang up if I raise my voice, no cursing or threats, just loud, back on hold another 24 minutes. She returned to tell me she can't help me and took me on-line where I had to demonstrate that their system won't allow me to withdraw my funds. Again tells me she will " escalate to the proper department '' and when i pressed for timing again heard " 3-5 days ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: AR

Complaint narrative:
Someone has stolen my money off my account

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 2023-02-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX Dept of ED./ NELNET XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Nelnet customer service team XX/XX/XXXX Re : Notice to Cease Contact, account number XXXX To nelnet customer service team : This is a warning notice to the alleged wrongdoer of such debt which you're a debt collector because you are simply attempting to collect an alleged debt. I noticed ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), there is evidence of use of abusive, deceptive and unfair debt collection practices resulting in the infringement of my intellectual property rights. 
According to USC 1692c ( c ) ( 2 ) i am invoking my specified remedies as a consumer and i am demanding all of the following : 1 ) Zero out the balance of this account 2 ) provide my name a consumer and natural person, with documentation showing the account was zeroed out via mail 3 ) cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XXXX XXXX XXXX ) removing ANY and ALL reporting of the debt collection activity to all consumer reporting agencies This is to give you notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me. If you must contact me, please do so in writing and not by telephone.

I look forward to your acknowledgement that you have received this notice by XX/XX/XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MS

Complaint narrative:
We currently have a mortgage with Cardinal Financial Company , Limited Partnership. We purchased our home XX/XX/XXXX. Our initial mortgage payment was {$2300.00}. We filed our homestead for the property taxes in XX/XX/XXXX which was {$2100.00}. The company analyzed our escrow account in XX/XX/XXXX stating it was short due to the property taxes going to be {$2900.00}. The amount was {$2900.00} but when we filed homestead it came down to the {$2100.00}. We forwarded the necessary paperwork to the company showing that the payment was {$2100.00}. They confirmed that they received it ; however they stated that the paperwork wasn't sufficient enough. They took our mortgage payment up to {$2400.00} and we started that payment in XX/XX/XXXX. We continued to make our payments. In XX/XX/XXXX they paid the {$2100.00} for our property taxes instead of the {$2900.00}. But in XX/XX/XXXX they analyzed the escrow again by anticipating that the property taxes would be {$2900.00} for the XXXX year. We contacted them on today XXXX XXXX and was told we have to submit the homestead paperwork every year. In the State of MS , you only have to file homestead once. They are over charging our escrow account and owe us a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reporting information that does not belong on my consumer 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 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Upon receiving a phone call and voicemail, I called company back ( credit management company XXXX ) they stated they called to collect a medical debt. I requested the debt to be sent in writing so I can verify it as I have moved recently and dont have any access to my paperwork. They directly refused and said they have no legal obligation to send anything in writing verifying the debt. I told them I have a right to receive something in writing before I pay out of pocket and they refused multiple times and then simply hung up on me and I was on hold to talk to another agent after that for over an hour and never got thru to anyone else. I will pay debt if i owe it but I want to verify it in writing before doing so as I think anyone would want to as I do not recall any recent medical debts I owe other than the ones on my credit report which this is not so I can not verify. I feel they are using horrible bully tactics and I needed to make someone aware to help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
The Legal representatives of XXXX XXXX XXXX - account number XXXX, ( i.e., XXXX XXXX XXXX - Attorney Code XXXX - XXXX, et al. ) ; files a Small Claims action suit against me as the claimant, in XXXX XXXX, Alabama - XXXX # XXXX. The small claims states that their " records indicate that we purchased this SYNCOHRONY BANK credit account on XX/XX/2022 when the outstanding balance was {$720.00}. The problem with this false statement is that SYNCOHRONEY BANK had already resolved this matter as a matter of Identity theft and fraudulent activity. Therefore, the outstanding balance was then written off as a lost. I verbal and written statement was provided to the fraud department of SYNCOHRONEY BANK prior to any statement of collection by XXXX XXXX XXXX, and that information was then reiterated. In accordance with the Federal Trade Commission says youre not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. Yet, XXXX XXXX XXXX, and their legal representatives still continue to make collection attempts. How do I stop this harassment?

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 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: CT

Complaint narrative:
Back in XXXX, I was having a difficult time making payments due to being out of work. I contacted Upstart for a deferred payment which they granted by making my payments smaller, in XXXX and XXXX. Because I was still trying to catch up from not working, I made two payments in XXXX for XXXX, one in the amount of {$100.00} on XX/XX/2022 and one on the XXXX for {$70.00}. In XXXX, they charged my account extra fees billing me from XXXX XXXX, however they never applied my XXXX payment which I paid in late XXXX as listed above. I have since then made my payment for XXXX, still being due for XXXX and XXXX, however even though I sent them a copy of my bank statement showing them I made XXXX payment in late XXXX, they still have not credited my account and begin showing me 95 days late as of XXXX, even though I made XXXX payments, which they still have not credited, not do they seem to show any receipt of my payment on their end, despite my sending them a copy of my bank statement showing I made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. EXPERIAN HAS A POLICE REPORT ON FILE AND CONTINUE TO REPORT THESE ITEMS.

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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I told the XXXX location my wallet was stolen and that the car was stolen. I also went to the police and have a case # with the XXXX Police Department : XXXX. 
The rental was made XXXX XXXX XXXX 2023. The total charge to my account was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I paid off my mtg, to NewRez in XXXX of XXXX. I have yet to receive my deed. When I have called, get voice mail. Enter in my former acct. number, says they can not find it. Because the lien is satisfied. Then, I enter in the phone number, say they can not find it. Looked all over the web, on a former statement, called several numbers to no avail. 
Have not included the acct. number, due to the disclaimer above. 

Extremely frustrated. Five months is long enough, for them to pull and send my deed. 

Please help. 

Thank you. 

XXXX XXXX XXXX NC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
I reached out to this agency in XX/XX/2021 regarding helping me to get the credit bureaus to remove the fraud alert on my credit file. I got a response from you all on XX/XX/2021 stating it was handled but still when I try to run my credit im being told there is a fraud alert on my credit.

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 2023-02-13 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: GA

Complaint narrative:
I reached out to this agency in XX/XX/2021 regarding helping me to get the credit bureaus to remove the fraud alert on my credit file. I got a response from you all on XX/XX/2021 stating it was handled but still when I try to run my credit im being told there is a fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
Collection Agency : CCS COLLECTIONS Date Assigned : XX/XX/2022 Original Amount Owed : {$140.00} Amount : {$140.00} Collection Agency : XXXX XXXX XXXX , XXXX . 
Date Assigned : XX/XX/2022 Original Amount Owed : {$630.00} Amount : {$630.00} I have reported these items several times as identity theft as I am not the responsible party of these said collection debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
Currently, Hunter Warfield has been calling me every single day, at least once a day, since XXXX claiming that my old apartment is seeking a collection on a utility bill debt. I explained to them that there was no debt, I had paid off any remaining balances before moving out otherwise I would have not been able to move out. They went to issue a dispute within their own company and told me it was not valid because I had no proof. The collection came up on my credit report as of XX/XX/2023 for the {$140.00} balance they claimed I never paid. I had offered to send them proof it was paid and they got incredibly aggressive with me and told me to figure it out on my own. I filed a dispute with XXXX on XX/XX/2023, the same day the collection came up, and submitted the supporting documents showing that, yes, I had in fact paid the " debt '' they're trying to collect and my balance at the end of my lease was {$0.00} since the customer service and Hunter Warfield refused to let me send in the documents initially. Within about 24 hours, the dispute through XXXX was resolved in my favor and the collection was removed from my credit report, thankfully. Now, as of XX/XX/2023, Hunter Warfield is still harassing me and calling me multiple times today to tell me I need to pay them right now or they will charge me more to pay it off despite explaining I had already gotten the collection resolved. They are claiming it was never disputed and that the charge is valid despite already sending in proof it is not valid and getting confirmation the collection was removed from my report. I do not appreciate them calling me repeatedly, getting rude and aggressive with me over the phone, and telling me I'm lying and that I can not possibly dispute the collection despite already doing so and it getting resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
I received a 1099-K IRS form from Block Inc. / Cash.app on about XX/XX/XXXX XXXX for transactions processed by someone who used my Name, address, SSN to set up an account. Starting in XX/XX/XXXX through XX/XX/XXXX they processed 426 transactions for a total of {$38000.00}. 

I have contacted Cash.app via their app and via phone at XXXX multiple times over past 3 weeks. explained the situation over and over and all they say is they will update via email. But they never update. meanwhile I assume the fraud continues in my name and under my EIN. 

This income which is not mine was also reported to the IRS. I need this corrected with the IRS so I can file my return without being held liable for this fraudulent Income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX,XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-13 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX,XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation