vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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: WA

Complaint narrative:
To whom it may concern, Since XXXX of last year ( XXXX ) I call Bank of America ( BOA ) and filed a dispute on fraudulent charges on my XXXX XXXX ( XXXX ) credit card. At the same time I was issued a new credit card, in which i never received a replacement card. After telling BOA that the card was never received, they went ahead and sent a 3rd credit card. I was told the dispute will be resolved in probably 3 days. Then my monthly bill came in with the same disputed charges plus late fees and interest charges. Thru months of communication dispute remains unsolved, and i refuse to pay minimum monthly payments at their request as i didn't have a previous balance on this credit card. So now it's beginning of XX/XX/XXXX they sent me a letter stating my claim all has been resolved and I don't have to do anything on my part and I will see the credit on my monthly statement. this is after i filed a police report due to other passed letters received stating all charges were legitimate. Now its XXXX I received my monthly statement stating I still owe all charges plus late & interest charges. My credit score is now compromised, unfortunately I still refuse to pay. I put the blame to BOA cause of their poorly internal communication among themselves. I highly recommend to others to cut ties with this bank, they are unreliable to consumers needs.

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 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/, I refinanced my car loan with State Employees Credit Union. I found multiple violations on the Fixed Rate Closed End Promissory Note, Truth and Lending Disclosure and Security Agreement. Pursuant to 15 USC 1605 ( a ) the finance charge is the sum of all charges and on the document provided the finance charge does not reflect such, which is fraud. On the document the finance charge is {$8500.00} which does not reflect the amount I am being asked to pay. On the document the total of payments equals to {$42000.00} which is not the sum of the finance charge. This is fraud since this is a truth and lending disclosure and it is not following the federal US code. Pursuant to 15 USC 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The inclusion of late charges on this document is a violation of the federal US code. Pursuant to 15 USC 1605 ( b ) the inclusion of life, accident, or health insurance premiums shall be included in the finance charge and they were not. Pursuant to 15 USC 1605 ( c ) property damage and liability insurance premiums shall be included in the finance charge and they were not. I sent a debt validation and cease and desist to State Employees Credit Union on XXXX XXXX and received a letter that did not address what I asked for so I sent an affidavit to State Employees Credit Union in addition to all documentation I have sent thus far with the addition of the exhibits for my affidavit. I am asking for the violations to be compensated by the company and for my account balance to be XXXX for my car loan and credit card balance since this company is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I KNOW WHY BAN 180 DAYS  LINKED MY PAYPALXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was originated XXXX last year by XXXX XXXX XXXX  XXXX ( XXXX ). It was sold early XXXX. I made my XXXX payment to XXXX as I was not aware at that time that my loan had been sold to Mr. Cooper. 
I found out about my loan transfer in late XXXX. I went on Mr. Cooper 's website to register for auto payment for XXXX mortgage. Then i found out that my account had not been credited with the XXXX Payment. I contacted both Mr. Cooper and XXXX about this issue. XXXX claimed they have sent the payment to Mr. Cooper. Mr. Cooper is claiming they did not receive the payment. This happened on a conference call I was able to get after having been tossed around for weeks, and several hours of phone calls to resolve this. 
XXXX is not helping me to resolve this issue. Mr. Cooper is harassing me with default notices. They will not allow me to pay the XXXX mortgage until the XXXX balance is settled. 
I have been suffering sleepless nights and near XXXX XXXX as I am being taken by one of these two companies. My excellent credit rating is in jeopardy. I am afraid of losing my home. The life I have sustained by my excellent credit is in jeopardy. 
I did not ask for my loan to be sold. I feel crushed under the weight of these two companies. Do I have any legal recourse? 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CA

Complaint narrative:
In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact 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 2021-03-09 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: CA

Complaint narrative:
In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact 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 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
I am a victim of identity theft i request you please remove the fraudulent charges 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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was living at the XXXX XXXX apartment for a year I completed my lease and pay my rent on time and once my lease was up in XX/XX/XXXX I left. A year later in XX/XX/XXXX the outpost said that I had move out charges saying I owe them {$340.00}. A whole year of XXXX I don't hear anything from them. XX/XX/XXXX they sold my information to a collections agency, I contacted the manager about the situation and he said he doesn't have my information and I told him I wanted to dispute the move out charges he refuses to help and told me if I wanted to dispute any charges I had to contact the collection agency. I told them that they have a copy of my move out charges and he still refuses to help me. The situation that I'm going to 10 other former residents are going through the samething that I'm going through. They didn't notify me of the move out charges in XXXX when I moved out. The move out charges they put on me are bogus charges they literally made up move out charges to get some money from me. There was no trash in the common room or my bedroom and bathroom was cleaned the bathroom was old and out dated that's it looked like the way it was. I even showed my bathroom to the property manager when I was living there he did nothing about. I told both managers about the conditions of the apartment and the property manager admitted that the last person that lived was supposed to tell me about the conditions of the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent I to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact 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 2021-03-09 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
On the XX/XX/2016 a fraudster took out a vehicle with XXXX XXXX XXXX using my credit information. I have contacted the three bureaus ( XXXX, XXXX & XXXX ) but XXXX and XXXX add it back on. I have filed a complaint with the Federal Trade Commission and also filed a Identity Theft Affidavit in which I certified to make sure they have received all proper documentation. XXXX has removed but XXXX and XXXX have not permanently removed this fraudulent account from my credit. Clearly I need additional help to let them know they need to do a better investigation. They are not complying properly under the Fair Credit Reporting Act. Identity Theft has affected my credit tremendously and since then have been turned down by both lenders and creditors because of this fraudulent account. This is not OK! I have requested additional information multiple times and I haven't received anything. I also made sure that I sent everything via certified mail. I want this fraudulent account that falsely shows that I owe American Honda Finance {$8300.00} removed immediately before I am forced to seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: PA

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 informations corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive been patient with this company! The reps are great however the system is trash! I paid for a memebership twice to see if it will update my report and i still cant get my free report! I am in desperate need and the emAil contact was no help! I called back again only to get another ticket number! This bs is hindering me! I need my report from these frauds and my refund so they dont give me what i paid for because reps only can give out credit for 1time! She said call my bank. My bank did not offer service and take my money! Just awful! Just fraud XXXX company! Automatic XXXX responses no real help!

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 2021-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In XXXX I filed bankruptcy after the passing of my wife and being left with an abundance of medical bills for her care totaling {$500000.00} ; I knew that I would not be able to pay off this debt so I claimed bankruptcy. Last year I disputed the bankruptcy with all 3 of the credit bureaus : XXXX, XXXX and TransUnion and after careful review and investigation XXXX Removed the bankruptcy under the Public Records Section. 

To my chagrin I was very perplexed as to why it was not also removed from XXXX as well as Trans Union. On XX/XX/XXXX XXXX stated the following on my credit report : Public Records 0 - " At this time, XXXX has no Public Records on file for you. Public Records are financial accounts attributed to legal actions from bankruptcies. '' Last month I mailed in Dispute Forms to XXXX and XXXX XXXX with copies of my XXXX Report showing the removal of my Public Record - Bankruptcy.

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 2021-03-09 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: TX

Complaint narrative:
In the first part of XX/XX/XXXX Bank of America froze my checking and savings account saying that they had decided to close my joint account. However, they didn't close it until XX/XX/XXXX and held my XXXX and couldn't give me any answers until they completed their investigation. This continued all the way till XX/XX/XXXX when they mailed me a letter saying thank you for being patient while they conducted their investigation and considered this matter closed and included a cashier 's check for my XXXX. Now they are reporting to XXXX " fraud risk and unpaid XXXX outstanding. I never did anything to them. I need a bank account. This is unfair and unethical.

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Nevada unemployment deposited {$20000.00} into my chime account and I needed to buy a car with the XXXX they wouldn't let me pull it all out so I was sending money to my other prepaid account that I have so I can pull it out to get a car they froze my account so they want a documentation of where the money came from and a picture of my ID I sent a picture of my ID and the documentation where the money came from which was the EDD and they sent it straight to them their deposit so they know where it came from then they start sending your W-2 form will my money didn't come for me working my money came from the Pua see which determines that I can't work for the coronavirus that's why they're paying me cuz I can't work is rather close down get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason. I submitted my documents but they didn't released my funds. I've waited 24hrs like they said but nothing happens. They first limited my account temporarily and then now limited it permanently. Please help me get my funds on my Paypal wallet. This happened last XXXX XXXX.

Company response to consumer: Closed with explanation