vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, {$7100.00} was fraudulently withdrawn from both my checking and savings accounts ( Bank of America ) in four separate transactions. {$1100.00} was withdrawn from my checking account, and three separate withdrawals of {$2000.00} each were withdrawn from my savings account. When I checked my mobile banking account the next day on XX/XX/XXXX, I had noticed this change and immediately submitted two claims, one for each account. I was told that these claims would take up to 60 business days to review.

Since then, as of XX/XX/XXXX, both claims have now been past their 60 business day limit, and throughout this entire time I would call once or twice a week to see if they had any updates. I am shocked to see how someone could fraudulently withdraw {$7100.00} from my account and not have any alerts go off. I have also filed a police report and added it to the claims, but no further updates have been received on my end. I was told that they would have the results of the review for me, but it has been radio silence on Bank of America 's end. This has been extremely frustrating for me, as they are taking so long to review my claims and I am short {$7100.00} dollars.

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 2019-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ME

Complaint narrative:
I have been paying monthly for 10+ years. Since XX/XX/XXXX- Ive worked with XXXX with XXXX as a XXXX XXXX -and therefore my job qualifies me for PSLF. Ive been forced out of this program in the past as my income based repayment was at one time $ 900+ per month. Finally I received notification that my IBR would be  affordable- and so I enrolled again over 1 year ago for the PSLF . My payments last year were {$570.00} and now this year are {$470.00}. I am not making dramatically a different salary- so the fluctuations are a little weird- especially that when I first applied - my payment was {$900.00}. 

I checked this weekend to see where Im at with qualifying payments- it said 3!!! 

I just emailed them and havent heard back yet. My real frustration is that Ive made these payments since XX/XX/XXXX and have worked since XX/XX/XXXX in a qualifying area. I believe that they are playing games with me in The following ways : 1. Giving me a very high ibr when I initially enrolled. 
2. In the years after I wasnt enrolled because I couldnt afford it- I called almost every 6 months to try and find options that would make sense and that I could afford. 
3. Finally- after wasting several years not enrolled - I reapply and its affordable? Its basically the same payment I was paying? 
4. Now that Ive been enrolled officially into PSLF since XX/XX/XXXX- I only have 3 payments listed as qualifying? 
Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: GA

Complaint narrative:
I sent off dispute letters to XXXX, XXXX, and Transunion on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX 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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent off dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello cfpb, My mortgage has been with CitiMortgage since XX/XX/XXXX & I received a joint letter dated XX/XX/XXXX, from CitiMortgage & XXXX XXXX, stating my mortgage had been sold & to start sending payments to XXXX XXXX, beginning XX/XX/XXXX, which is less than 2 weeks from the date of the letter.

My complaint is regarding the unprofessional manner I was advised of this sale And who they sold it to.

XXXX XXXX has the most negative reviews for a business that Ive ever seen. Every review about them is negative - not one single positive review.

I am asking cfpd to investigate why they - XXXX XXXX- are still in business & if CitiMorgage can legally advise me of selling my mortgage with this short time-frame notice.

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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2018, Inquiry Date Inquire Name Chase Card Business Type Bank Credit Cards Contact Information XXXX XXXX XXXX, XXXX, DE XXXX  ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
Approximately 18 months ago I requested that First Technology Federal Credit Union link my savings or checking account to my son 's First Technology Federal Credit Union checking account so that I could make an emergency transfer to his account. First Tech informed me that they could not set this up without my son being present at the branch. He lives out of state, so it was not possible and I did not pursue it further.

On XX/XX/XXXX, I set up a transfer from my First Technology Credit Union savings account to a joint checking account I share with my husband. The amount was {$2100.00}. For this transaction, I downloaded and installed the mobile app and proceeded with the transfer to the joint account.

When the funds did not appear in the joint account, we realized that the funds had been transferred to a First Technology Federal Credit Union account that we were unfamiliar with.

Upon calling the bank, they informed me that the transfer had gone to my son 's First Technology Credit Union account. I likely accidentally selected the wrong account probably because it was at the top of the list in the mobile app. I'm not completely certain. The account was linked to mine even though we had not gone through the steps to connect them.

First Technology Federal Credit Union refused to pull back the funds from my son 's account. They told me the only way to do this would be for my son to go in person to a credit union associated with First Tech, give them the account number the funds should have been transferred to so they can transfer them back, or else to get a cashier 's check and mail it to me. My son lives in another state, is mentally ill, and does not have transportation to get to the credit union. After explaining all of this, they then proceeded to try and sell me on opening up a low interest loan or credit line as I am a premium customer. This just doesn't seem right.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Im American Express platinum card holder.

and pay {$450.00} per year to use the card one of the futures that comes with card pay charges over time with 20.49 % Ive been using this future occasionally and has limit of {$35000.00} last night trued to transfer a charge over {$300.00} but the future was suspended this isnt part of term and condition of the card as far as I remember I never been late or had issues I had a choice to use different credit card to pay a certain charge and not pay fee if I wasnt notify by American Express to suspending this future and could save {$180.00} if so I need to be refunded all interest charges that I was accumulated and Amx violated our terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2018, Inquiry Date Inquire Name Chase Card Business Type Bank Credit Cards Contact Information XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
While reviewing my credit reports I discovered a debt collection from Helvey & Associates Inc. I sent the company a debt validation request for them to VALIDATE not verify the debt they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement for customer XXXX XXXX. My name is XXXX XXXX. This does not prove that I am the party who they are seeking to pay this debt. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2018 I was scammed using XXXX. I used XXXX  because I thought it was safe. It was apart of my Navy Federal CU app. I tried to get tickets for my son and I for a basketball game. I paid the alleged ticket holder {$260.00} for two tickets and never received anything. Right after the transfer I was immediately blocked from calling the scammer. I called my CU they then told me to file a claim, and come into the CU to get a new card. I did, only to find out a week later that my claim was denied and I was out of XXXX  dollars. The CU said nothing could be done and not to use XXXX. Yet its offered on their mobile app. ( WOW ) Im a single mom who tried to get her son tickets to a game for his birthday. I was a victim of scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI

Complaint narrative:
I apply for a loan online through a online service. which I was pre-approved for OneMain Financial said that I was eligible for the loan and the loan amount I was asking for. they pulled my credit and asked me to come into office to complete my application and sign documents at that point I asked was I approved for the loan amount that I was asking for but I was told she needed to see papers first and for me to come in I declined and canceled the loan a couple of days later after realizing I took a big hit to my credit score and was unable to refinance through other companies because of the score I decided to go back to OneMain for more questions about the big hit on my credit score and to complete the application but was told that they needed to pull credit again I said I  needed to think about it a couple of days go by the lady calls me from OneMain Financial and asked me what did I decide again I told her the amount I was asking for and was it worth it for me to pull the credit again she told me that she couldn't tell me to pull it or not it was up to me so I told her how much I was asking for and she pulled the credit and told me that I was approved and to bring in some documents of proof of finances and a bank statement which I brought in to find out that I was not approved for the loan amount I was asking for and when I brought that up she just said do you want the loan for the lesser amount or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
The billing and FCRA practices of XXXX XXXX ( XXXX ) need to be investigated as they are deceptive and deeply flawed. I rarely use my XXXX card issued by XXXX XXXX but I did use it late last year because of a special sale discount that required that I use it. However, I never received a bill and it slipped my mind. Nor did I receive an email, text or call. I finally got a phone call from XXXX stating that I was late on my bill. I explained that I had never received a statement. They told me that they would put a statement in the mail to me. I received this statement on XX/XX/XXXX. When I noticed a late fee, I called XXXX and explained what had happened. They told me I had signed up for electronic statements in XXXX but I discontinued e-bills years ago. Finally, they offered to waive two late charges totaling {$64.00}. But as a condition they required me to pay my balance immediately using either a debit card over the phone or by giving them my checking account information. This is not a safe thing for a consumer to do. I told them I would gladly pay by credit card, XXXX or XXXX which they refused. After giving up on the payment, I told them I would just pay the full balance but to make sure my credit report was not impacted by this. I was told derogatory credit would be reported unless I disputed with the credit reporting agencies. I told them I wanted to dispute directly with XXXX. At first they told me they could not accept direct disputes but after I told them they were required to accept a direct dispute by the FCRA, they finally gave me XXXX 's credit bureau dispute mailing address. What a horrible experience from a bank that operates on the edge of legal compliance and customer fairness. XXXX should fire this company! We would all be better off without XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Good evening, I received a Credit Card debt after doing a XXXX XXXX XXXX credit check under the company " CBNA '' which after researching online, I believe is " Citibank North America '' for {$110.00} on XX/XX/2018. 

Under the same line, it shows the following : CBNA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX You can see it in the picture attached. 

I have never opened up a credit card in my entire life and I am very curious as to why I was charged {$110.00}. I can not find any information about this under my XXXX XXXX bank account. 

Please advise, thank you.

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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Apparently I have a 10 year old " freeze '' on my credit file from 2009 that I just found out about when it negatively impacted my recently opened XXXX account- after it was already approved and installed. Now, suddenly I am notified that because they can not " locate '' a credit file, I will be charged a deposit and higher rates than initially discussed and agreed upon. After more than three hours and several Experian representatives, Experian can not verify my identity and because I do not know the 10 digit PIN ( from 10 years ago ) and I have moved ( so they could only send the PIN to my old address at the time of the initial freeze ). Then they could not access any security questions to verify my ID over the phone, and the upload feature online does not work, repeatedly having technical issues and deleting my documents. So, NOW I must send a copy of current utilities ( but NOT the lease, when we moved in just two weeks ago ), my state-issued driver 's license, my passport, and my social security card just to request that a new PIN be mailed in 8-10 business days ( on top of the 3-5 for processing ). This will take weeks to complete. However, over the past several years, I have opened numerous credit cards, purchased multiple cars, and more ... all under this supposed " freeze. '' I was told about it in XXXX and immediately had it lifted without any PIN, so I thought the nightmare was over - but somehow it only worked temporarily and now they basically can not explain why it was not lifted permanently or why they can not access the questions or why I was able to go nearly ten years without even being aware of this freeze. Nobody can answer anything and they all just treated me like trash. It is a scam. Yet Experian has control over nearly every aspect of our lives. I have NEVER had to pay a deposit for utilities, or anything else until now and it is not because of poor credit, but their poor procedures and lack of caring about the customers they are hurting.

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 2019-01-23 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I made a furniture purchase with XXXX XXXX and the purchase amount was financed with a promotional offer through Synchrony Bank. The amount of the purchase resulted in both a pre-authorization and an authorization, both in exactly the same amount. I have notified Synchrony Bank multiple times over the past four months to have the pre-authorization removed, but they have refused to do anything about this error and generally just provide poorly written system messages with unhelpful documentation such as a pre-authorization typically drops off after 7-10 days. OK, but what happens when it doesn't? Is all of the responsibility on the consumer to figure this out or take the risk that the pre-authorization will never actually be authorized and/or lose access to previously approved credit because the pre-authorization amount is reducing available 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 non-monetary relief