vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My payments to my PayPal MasterCard serviced by Synchrony Bank are not being credited towards my available credit. I believe that Synchrony Bank is deliberately hindering my ability to use their MasterCard. After contacting them they did make available the remaining half of one of my payments for {$500.00}. My payment history did not fit their criteria for blocking my available credit : 1. ) Too many payments at once 2. ) A payment larger than normal 3. ) An account that was too new I am the victim of fraudulent practices that are not allowing me to use my MC as it was advertised. I made another payment while I was on the phone with the customer service agent named " XXXX '' for {$500.00}. The exact same thing occurred. Only half of that payment has been credited towards my available credit. 
I have made numerous payments in the same amount. I have spaced out those payments as to not " crowd '' a specific date. I have always paid my bill in full each month. I am being targeted by Synchrony Bank because I have been consistently benefiting from their 2 % cash back MC and have NEVER paid them a penny in interest nor will I. Please don't let them explain this away with algorithmic rhetoric. I understand programming ; let 'd get real. Help me to make this financial persecution stop. Thank you. Card ending 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 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC System Inc is reporting a debt on my XXXX credit report that I have no knowledge of. Furthermore, this company hasn't even sent me a written notification of the debt.

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
says its been removed months ago, yet still on my credit, have police report as well Account # : XXXX Opened : XX/XX/2019 Balance : {$4800.00}

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 2020-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
on XX/XX/XXXX i open an account with chase bank at XXXX branch, with XXXX XXXX id # XXXX, when i open my account i opened with a coupon of XXXX $ if u opened with direct deposit on your 45 days, which i comply with the requirements. my direct deposit hit the bank on XX/XX/XXXX. i waited till my 2 or 3 direct deposit and i don't see the funds of the advertising coupon i got when i open the account, well i contact the branch spoke to XXXX and he said manager will call me which he never did i end up going in personal to the branch at XXXX where i open the account spoke to XXXX again, manager is never there or he never return your calls, so on friday XX/XX/XXXX i get to speak to the manager because i continue to call the branch, he comes and tell me unfortunately i don't qualify because i had open an account and because i didn't took the proof of address to the nearest branch they closed the account which XXXX XXXX knew bout it cause when he was opening the new account that pop out so he ask me and he said " don't matter this a new account " i am going to add the coupon because you qualify for it, i said okay, i am very disappointed at this because they make me wait for the longest to then find an excuse to do not pay me the checking account bonus w direct deposit. i also don't agree with this excuses the manager gave me because XXXX XXXX knew about it and never said anything to me, i also spoke to XXXX and he told me he don't understand why they haven't post the funds is coupon is in the system .. THIS IS FALSE ADVERTISING TO GET MORE CLIENTS TO OPEN ACCOUNTS WITH THEM, OFFERING PROMOTIONS THAT THEY NEVER COMPLY WITH. WHY THE LIE TO THE CLIENTS AND WHY THEY LOOK FOR AN EXCUSE SO DO NOT PAY ME THE OFFER, I WOULD LIKE TO GET THE OFFER BECAUSE I DON'T SEE THAT TO BE RIGHT OR FAIR. I'M STILL A NEW CUSTOMER I HAD NEVER HAD AN ACCOUNT WITH THEM BEFORE TILL XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
says its been removed months ago, yet still on my credit, have police report as well Account # : XXXX Opened : XX/XX/2019 Balance : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
says its been removed months ago, yet still on my credit, have police report as well Account # : XXXX Opened : XX/XX/2019 Balance : {$4800.00}

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 2020-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
Good Morning We just did a streamline with XXXX XXXX with Guaranteed rates and the one reason why we did a refi was we didn't like XXXX XXXX and when I contacted XXXX she said they don't deal with XXXX XXXX and my loan would never get transferred to there bank. Now we justgot a letter in the mail last week and guess what we have XXXX XXXX. Also I couldof got a streamline loan with XXXX at that time at a lower rate and less money down and XXXX also knew this too. So this company took advantage of us and made us spend more money to to wind up with the same Lender we had to begin with and don't want!! Is there anything I can do to sue this company? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On the XXXX XX/XX/2016, I fell prey to a sophisticated fraudulent retail profit pool company by the name XXXX XXXX ( the Company ). Money was transferred from my account to the Company via a bank wire for a total amount of XXXX GBP utilizing JPMorgan Chase Bank, N.A.services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Three Original loan amounts were {$9400.00}. Current debt is at {$32000.00}. Multiple issues getting these paid off. I'll use one loan as example for this complaint which the original loan amount was {$3700.00} with a current balance of {$20000.00}, interest is set at 13.75 % and they will not negotiate. In XX/XX/XXXX my payment terms changed and was asking for over {$400.00} per month, I could not afford that and called to make arrangements. I was told I did not qualify for any programs. I made a large payment in XXXX of which {$280.00} went to interest and {$0.00} to principle. XX/XX/XXXX I get hit with {$620.00} of capitalized interest increasing my principle balance for the year by {$260.00}. This type of issue has been going on for multiple years and Navient ( previously under Sallie Mae ) has not been helpful in getting these loans paid down. My account history is likened to loan shark practices as every option offered only gets me farther in debt -- Since XXXX there has been over {$2000.00} in capitalized interest on this one loan ( recall the original principle was {$3700.00} ). I was told during my last call that I can only redo repayment terms twice in a two year period, but the terms are only good for 6 months. This leaves 1 year of time I am unable to pay the minimum payment which only increases the debt and ruins my credit along with any ability to refinance the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I spoke with a representative from Equifax this morning in regards to a recent identity theft dispute. I advised the representative Equifax had removed the wrong account ( XXXX XXXX XXXX ) which was not the account disputed in my Federal Trade Commission Identity theft report. In addition another fraudulent account ( XXXX XXXX ) which was also included on my FTC identity theft report remained on my credit file. I explained to the representative that XXXX XXXX XXXX Account needed to be placed back on my credit file and that the XXXX XXXX   account should've been removed under the Fair Credit Reporting Act statues in regards to section 605b, 609, & 611. The representative told me the XXXX XXXX account came back verified as belonging to me. I asked how could this be when the account was opened without my knowledge or consent and she then stated she didn't know how it was verified but that it came back verified. I find this totally unacceptable and it is a clear violation of the FCRA Sections 605b, 609, and 611 because it was not 100 % accurate verification using the automated e-Oscar data furnisher pacer system. The representative then told me I needed to speak to someone in the fraud department which the call was disconnected during the transfer. Any who individual who has access to my personal information would be able open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I submitted a fraudulent claim to Bank of America for cash withdrawals from my checking account on XX/XX/2019. I was credited for the amount of {$6500.00} until the investigation concluded. After 60 days of investigating, the bank came to the conclusion that the transactions werent fraudulent and reversed the credit, leaving my bank account in the negative. I requested for my claim to be reopened and looked over again as I knew who committed this fraud. They agreed and started another investigation, but still stuck with their decision. They claimed that the only way theyd reopen my claim is if I filed a police report or filed a civil suit. I proceeded to sue the person that committed the fraudulent activity and won the case on XX/XX/2019. After reaching out to the bank and sending them my court documents, they refused to accept it and refused to reopen my case, leaving my bank account in their collections department with a balance of {$6300.00}.

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, I received letters from Capital One stating they looked into a claim that I filed of fraudulent accounts. I NEVER filed anything or disputed anything. Since then I have reached out to capitol one many many times over the phone to keep getting the same answer that they are looking into the problem. 

on XX/XX/XXXX I spoke to capital one and they requested that I fax over letters to them stating that these accounts belong to me. To which I did. ( see attached ) after two weeks of waiting and phone calls again I still received no answer. On another call on XX/XX/XXXX I was asked to E-mail a copy of my driver 's license, social security card and a recent bill to which I did. ( see attached ) I have made numerous calls to capitol one and still have had no response to why my accounts remain restricted. All I keep being told is they are looking into it. As of today 's date XX/XX/XXXX almost 3 months later I called them to see if I could get an update. 

Got the same run around after being transferred to 3 different departments I got the same answer that they are waiting to hear back from the credit bureaus ... was told a month back it would take 30 days now today I was told it could take 60 to 90 days! 
something needs to be done, I have never been treated so poorly by a credit card comapny as I have been through capitol one from NO FAULT of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I deposited a check I received for the purchase of my sofa. The person purchasing the sofa asked me to pay the mover 's once the check cleared, so once I saw the funds in my account, I contacted them and sent the funds to who they said were the movers. The check appeared to be a cashier 's check and it was out of state from Georgia. Navy Federal put a hold on the check for two days and then released the money into my account, but did not verify with XXXX if the cashier 's check was legitimate. Well, this morning that check bounced and they are holding me responsible for this. My account is in the negative {$1500.00}, I have to pay my rent and be responsible for the charges affiliated with this transaction. Why would they release the funds before confirming if the out of state check was good? I don't have money like that. I am a single parent and given that they are the bank experts, I would think that they would do their due diligence to protect me and them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: WV

Complaint narrative:
This is the message I sent to Pentagon Federal Credit Union XX/XX/XXXX : Hello PFCU I'm being charged fees for using ATM listed on your website as surcharge free and the ATM in D.C. that utilizes an XXXX  system. So I would like all my fees returned because these charges are incorrect according to your ( PFCU ) policy. Pentagon FCU has been charging me incorrect fees for ATM usage. These ATM fall under the guidelines PFCU. Also I was told by a PFCU representative on XX/XX/XXXX that if I use an ATM that has an XXXX   System I would not be charged any fees.

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There a Home Depot card in my name and made me an user on the account without me knowing

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 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On or about XX/XX/2017 i was litigating ( proSe ) with case # XXXX. On those they XXXX XXXX settlement notices were sent but I couldnt received because i had file already in court. I am seeking to be added to customers notices on the XXXX dollar action..my case was dismissed i could not appeal ..coud not afford an attorney. Thanks 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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of Identity Theft, Incident # XXXX, XXXX Police Dept. Many accounts were opened in my name fraudulently between XXXX. Due to the ID Theft I had to close by bank account a few times and also I had to get a modification. The company told me to not make any payments until the modification was complete. I would like to start an investigation on the following account : XXXX XXXX XXXX Opened : XX/XX/2011 Amt. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I bought an item thru paypal and I did not receive it. I contacted paypal. They sent me 2 notices on about escalating the issue but I did not receive them as I was on vacation. I had already made a complaint.  There should be no escalation needed by me, especially in such a short time frame. Paid with Visa VISA Debit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 

Ship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States Category Retail Transaction ID XXXX Seller info XXXX  XXXX XXXX, XXXX. 
http : XXXX Invoice ID XXXX Purchase details 18V X2 ( 36V ) LXT LithiumIon Brushless Cordless 14 '' Chain Saw Kit - AU {$99.00} Total {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is unbeleivable how do these people learn how to scam and steal people identity to open fraudulent Accounts I did not Authorized these account. this is fraud please shut down these Accounts also I would like to put a fraud alert on my files 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 2020-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I opened an account with Mariner finance on XX/XX/XXXX and I wasn't able to make the payments due to personal reasons and The first time they called, I offered to pay over the phone but they didn't take debit cards over the phone, only through ban account. I wasn't comfortable with that and they continued to call me continuously for a few months. After that, they ran fraudulent inquiries on my credit report which I did not authorize on XX/XX/XXXX and again on XX/XX/XXXX. I paid my bill on XX/XX/XXXX and on XX/XX/XXXX, I received a letter threatening to sue me and to pay the amount in full. I called the company and asked why they kept running inquires on my credit report and they said that they had to run it because they hadn't heard from me. I asked them to remove the inquiries and they did not, even after the debt was paid. they also made my credit score drop 116   points.

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 2020-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One offered me to participate in a 90 day hardship program which didnt require me to make payments for 3 months. However I continued to receive calls about my payments being late. Capital One reviewed my case and found an error in the phone call describing the program. Although they found errors in the call with the representative, confirmed I received incorrect information, and updated my payment amountthey would not remove late payments on my credit report. Ive has this card 16 years and would not intentionally pay late if I didnt believe I was in a program that allowed me to skip payments for a period of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PR

Complaint narrative:
I currently have student loans which where in default and entered into a rehabilitation program. For reasons I still can not understand, I was forced to perform the 10 month rehabilitation program for two times because the program did not debit a payment and stated that I allegedly did not qualify and did the process again. 

I have been repaying my student loan for a couple of years in a direct repayment program and my balance is almost the same. I also noticed that the principal amount of my student loans are as follows : XXXX   XXXX  with Owner : XXXX XXXX : PHEAA Original Balance {$25000.00} Principal Balance {$32000.00} an increase of {$7200.00} Original Balance {$30000.00} Principal Balance {$39000.00} an increase of {$8600.00} Between these two loans there there is an increase in principal of {$15000.00} and I have been paying over $ 400 monthly during the past couple of years via a direct repayment program. 

Why is the principal so high and an additional {$15000.00} and besides that is has not increased after having made a couple of years payment. 

Please assist in how to proceed, options and assistance. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief