vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been receiving unemployment benefits from EDD since the start of the pandemic. There has been {$4600.00} stolen from my EDD Bank of America prepaid card through ATM withdrawals starting from XX/XX/XXXX to XX/XX/XXXX. XXXX separate withdrawals ranging from {$200.00} to {$920.00}. I wasnt aware of the withdrawals because I wasnt checking my account balance since I planned on saving the {$4600.00} for an annual XXXX Insurance payment of over {$3500.00} and a car payment. I filed a claim on XX/XX/2021 after I found out the money was stolen and ordered the newer BoA card with the security chip in it. 

I called BoA claims a week later and one of the agents I spoke to told me that the claim was resolved in my favor and that I should be receiving the funds within 24-48 hours. I was ecstatic since my insurance payment is past due and it relieves a lot of stress on my end. After 2 days I still had no money in my account so I called BoA claims back. A different agent told me that it wasnt actually resolved in my favor and the other agent gave me false information. I filed a reconsideration with a hardship since I already made arrangements to pay off my bills after hearing that it was resolved in my favor. I filed a police report which I gave the report # to the claims department to update my claim.

Im currently unable to XXXX XXXX my car since my insurance has expired and I cant make the annual payment. In an awful position right now and XXXX  XXXX is on the horizon. Its been 2 weeks and I havent had any provisional credit enter my BoA account as well while theyre investigating. Ive read tons of other similar stories on websites like XXXX and a common theme is that the Older EDD BoA prepaid cards didnt have the security chip which prevents fraud of this kind.

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 2021-09-24 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: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I made a verbal agreement with XXXX XXXX XXXX that reads as follows : I ( XXXX XXXX ) will down pay {$300.00} for delivery of a new XXXX XXXX XXXX ( here on " XXXX '' ) and pay {$200.00} within 1 day ( 24 hours ) of receiving the XXXX.Failure to pay within 24 hours, except in circumstances outside my control, will increase the price by 5 % per day after the due date. You ( XXXX XXXX ) are solely responsible for the delivery of the XXXX and are to share tracking info as soon as available. The XXXX is to be delivered within 1 month ( 30 days ). Failure to deliver within the timeframe, except in circumstances outside of your ( XXXX XXXX ) control, will occured a refund of 5 % of the total cost. After 2 months ( 60 days ) the item will be considered not delivered and will be refunded at 110 % of the total value ( {$500.00} ). '' On XX/XX/XXXX : I sent a message to the seller : '' '' Again any updates. No response and I will ask for a refund.Within 24 hours '' Two months have passed. 
The item was not delivered and contact has been cut. 
I requested a refund from Zelle and XXXX XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
My bank changed my account numbers so that I could not access the money. My app pulled up 1 new card numbers that I do not have access to. They changed my account/ card numbers without my knowledge. I need assistance now. The XXXX was XXXX and they made it so that I could not touch the money. I cant touch my money. The bank also changed my Address information when I made the other complaints so my information could not be found in their system.

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 2021-09-24 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: Westlake Services, LLC
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I am the owner of a Coinbase account that is a cryptocurrency investment company. From several months the company has blocked my account with the words " account under review ''. I have tried to contact the company but it is impossible. I have carried out all the steps that have been requested but it has not served at all. It is a closed circle in which you can never talk to anyone.I have sent them all the documentation several times but it can not be solved. 
My account is associated with the mail XXXX and my name is XXXX XXXX XXXX from XXXX. The password of the account is XXXX @! 
The documents that I have attached are the driving license and the national identity documentation fof XXXX. These are the documents that Coinbase have from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for Care Credit in XXXX, in XXXX the XXXX  pandemic shut down everything so I wasn't able to use card. In XX/XX/XXXX I was struck with XXXX  & XXXX  XXXX XXXX  members. I was cleared, but XXXX  XXXX  again in XXXX. I went to use my card in XXXX & my card acct had been closed. 

I called a representative they gave me a 800 number but it dies not give me a reopen Acct rep. I've tried repeatedly to reopen this card. How can they close a card for no use in XXXX in XXXX & XXXX  XXXX  in 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 2021-09-24 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: CT

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AES/PHEAA
State: NY

Complaint narrative:
11 years ago I used a loan which was originally called XXXX XXXX to start XXXX  XXXX  XXXX  at XXXX XXXX In Georgia. I cant remember the name of the town, but the school misled me in what the course would actually be, they did not place me at a job as promised in their initial consult. They also had teachers that were not showing up for class, they didnt finish my XXXX, because I got XXXX  and had to take a very short leave. When I was ready to come back they wouldnt let me and I never got a certificate, or placed in a job as promised. The school is now shut down, probably for these reasons and I owe more money to them, than my actual XXXX  XXXX XXXX. I was young and got XXXX  by them. I would like the debt forgiven as I am now actually trying to take XXXX XXXX XXXX XXXX XXXX. Not a corrupt XXXX  XXXX  and I just feel like I was robbed by them. This has been going on for over ten years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
11 years ago I used a loan which was originally called XXXX XXXX to start XXXX XXXX school at XXXX XXXX In Georgia. I cant remember the name of the town, but the school misled me in what the course would actually be, they did not place me at a job as promised in their initial consult. They also had teachers that were not showing up for class, they didnt finish my course, because I got sick and had to take a very short leave. When I was ready to come back they wouldnt let me and I never got a certificate, or placed in a job as promised. The school is now shut down, probably for these reasons and I owe more money to them, than my actual current real college. I was young and got scammed by them. I would like the debt forgiven as I am now actually trying to take real classes for real credits. Not a corrupt scam school and I just feel like I was robbed by them. This has been going on for over ten years now.

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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: SC

Complaint narrative:
When I was in the process of deciding who to refinance with, I had it narrowed down between two different loan companies. I told one company that there was about {$2000.00} difference in the closing costs in the loan estimates. That loan officer told me that if I got my documentation in that day, he would get me exceptions to match the other company. He stated this on a phone call and over email. This is after I had broken contact with my other loan options since I thought that this person would hold true to their word. 

I got my documents in and he did not get any additional exceptions. Even though I have an email with him stating that he would do this, the company is telling me that there is nothing that he could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: MA

Complaint narrative:
recieved a call from a man claiming to be from Discover Bank 's Fraud Detection Dept regarding two charges that were made on my account that they flagged as fraudulent due to the billing address that was used for these purchases being in a state that is across the country from where I live. I asked him to verify that he is from Discover and he told me to look at the back of my debit card and verify that the customer service phone number listed on my card is the same number that he was calling from. It was. The number that came up on caller ID when he called was XXXX which is the main customer service number for Discover Bank. He then told me that he wanted to cancel my existing debit card and have a replacement card expedited to me ASAP. He asked me for the last 8 digits of my card number, the exp date, security code and for the number on the card that starts with an X-. I was XXXX enough to believe him, and provided my card information. He then told me that ne needed to send me a one time code to verify my account ( which Discover ALWAYS does ). I got the text message and gave him the code ( without reading the entire text ). Then he asked me for my SSN and I immediately hung up and called Discover to report the call and report probable fraudulent activity. The text message that I received that included the verification code that I GAVE TO HIM read as follows : " Please enter code XXXXXX to use your Discover debit card in XXXX XXXXy. If you did not request this code, please call us at XXXX. '' How stupid am I for not even noticing that before I gave him the code. The guy proceeded to call me back 8 times, repeatedly while I was on the phone with the ACTUAL Discover fraud without leaving a voicemail once. I also called XXXX to have them remove my card from any payment activity through XXXX XXXX. I was sceptical about the call because I've never gotten a call like that from Discover before, but obviously not skeptical enough to not give him my bank account information without much hesitation. It's unnerving how legitimate this call seemed until he asked me for my full social... .but by that point, he had all of my checking account info. Don't fall for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
No way to opt out of the emails. Unsubscribe takes you to their homepage with no link to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021 I made a mobile deposit of a little over {$25000.00}, the app indicated {$400.00} would be available immediately and the remainder would be available XX/XX/2021. I checked to see those funds were in fact released.and they were not, when I called.suddenly the hold was until XX/XX/2021, a day later than I had been told at the time of the initial deposit, with out reason or warning. I was planning to use this money today to buy a vehicle for {$7500.00}, which I can not expect to be held for me, and is deeply below value for.the vehicle. If it should be sold, I'll end up paying over {$11000.00} for a lesser model.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
This complaint is against Bridgecrest. They sent in a 30 day late payment against me to the Credit Bureaus and said I was late by {$23.00}. I asked them to remove this because I have worked hard on my credit and I make sure I am never late. How am I late by {$23.00}? The young lady said she could not help. Bridgecrest has lied because I am never late with my bills. I refinanced my house and paid them off because they are not a fair company. I would like to have the late payment removed.

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 2021-09-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
I was approved for a {$1500.00} personal loan with Upgrade on XX/XX/2021. {$750.00} was to be paid on a personal loan to XXXX. I have contacted Upgrade 's customer service and they are unable to locate funds. I have checked my account with Upgrade and no allocation of funds shown and can not be found. I checked my XXXX loan there are no funds dispersed to that account. I contacted Upgrade 's Loan Servicing department and the money is not found. However their charging me interest on money which can not be found or given. I would like to have this loan rescinded and no interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Our family has been hit hard tremendously by XXXX XXXX. We have XXXX XXXX who had XXXX and one was in and out of the XXXX  and XXXX suffered long term long damage. In XXXX of 2021 my XXXX and I both XXXX  XXXX  with in a week of each other and we're hospitalized. I XXXX  my job ( a job that has still not reopened and had to take a job for a quarter of the pay ). I have sent my application for assistance in 2 times. Each time wells Fargo XXXX XXXX me applications I returned all my paperwork in the enclosed envelopes. The first time being told they didn't have it and you're do it. I did the paperwork again. Only for them to send our mortgage to a foreclosure attorney. The reason being is while we were on a deferral the mortgage " matured '' and we'd have to pay over XXXX dollars in a lump sum. Why would you continue to defer a mortgage and not notify us that by doing this and the mortgage maturing a large lump sum of money would be due. Since not hearing anything from Wells Fargo I have since applied for state help. Which Governor XXXX just opened up to the public on XX/XX/XXXX. How can you foreclose when the state I live in just started the application process for funds to be applied for for help?? Which my family is absolutely a candidate for as we are a family of 4 who earns way under XXXX dollars which is the amount needed to quality. If wells Fargo team our tax records which they requested they would see this. See we had a huge drop in income from previous years.

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