vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On ~XX/XX/2018, I was trying to make a small purchase on XXXX, in the amount of {$14.00}. I proceeded to make my payment as Ive done many times in the past. My payment option is set up through PayPal, which pulls funds directly from my checking account. I had not purchased anything from XXXX in several months, and while going through the checkout process, I was asked to update my information. I believe an old address was listed, so I updated that ( and maybe a phone # as well ). Typical info that would be needed for purchases. I did not provide my social, my salary or anything thats typically captured during a credit application and in NO WAY did I believe I was applying for a credit line. The next thing I knew, the {$14.00} was added to a PayPal credit line that I was tricked into opening. I contacted PayPal right away. I believe the customer service rep blocked my line, but it couldnt be fully closed until I paid the balance due, and I couldnt pay the balance until my statement dropped ( something along that line ). I was then instructed to wait for an email, alerting me of the amount due and to call back and pay the balance off. So a month+ later, I received the email and had to waste more time calling, paying my balance and then closing the account. 

Now today, XX/XX/2018, I received another letter regarding this credit line, advising that my credit account moved from XXXX XXXX XXXX to XXXX XXXX. Not only have I NEVER heard of these financial institutions, but Im unclear why I would be receiving such a notification if my account was closed and who knows what kind of personal info these banks have on me. 

Im furious that this occurred. PayPal has wasted time I dont have, violated my trust and took advantage of the payment process to trick me. This was incredibly deceptive, to say the least.

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 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Application was submitted for me and an additional card holder, card was approved however American Express has failed to complete my request citing no information as to why I am unable to add an additional card holder to MY account. I called customer service several times and was told it was a glitch in their system or an uncompleted part of the application, was asked to provide my additional card holder information including date of birth and SSN number. SSN number should not be required to add an additional card holder to an account which no other bank does. I have repeatedly told American express that due to their failure to abide by this request that I do not want the account and would like it to be scrapped from my credit report and closed immediately. As a retention method the CSR put in a second request saying there should not be a reason why their new accounts team can not process the additional card. I have received my card in the mail via XXXX track # XXXX XXXX XXXX XXXX XXXX XXXX. The new card has been sent back via USPS 3 day priority mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
We have been paying our XXXX mortgage payment, every month on the XXXX of every month for nearly 9 years. 

Recently, we have a competency issue with the XXXX mortgage division regarding knowingly taking an extra mortgage payment in XXXX, on XX/XX/XXXX, after we sent our payment by check for the same amount ( {$3500.00} ) on XX/XX/2018. ( all proof of the " 3 mortgage payments in 2 months '' with bank statements ) is attached. ( The only reason why we mailed a payment in XXXX, was because the Settlement company for the people buying our house called and ( WITHOUT NOTIFYING US, XXXX bank must have (?? but no one told us ) changed our auto-pay date to the XXXX of the month. 

PLEASE NOTE : We did not complain about the extra payment in XXXX, we saw that we were paid for XXXX in XXXX Bank Mortgage 's system until XX/XX/XXXX. This appeared to cover the XX/XX/XXXX payment then. Imaging our shock in the morning of XX/XX/XXXX when I saw that XXXX bank was swiping an XX/XX/XXXX payment then from us on XX/XX/XXXX! 

We immediately called XXXX Bank Mortgage on Monday night XX/XX/XXXX and the call was difficult because of their rude staff, who blamed us for their mistake. Finally, we were transferred to a supervisor, who promised to return the mistaken extra payment for XXXX within about 6 days. 

Today is Friday XX/XX/XXXX and another rude person from XXXX Bank Mortgage called us ( XXXX and XXXX XXXX ) and advised that they should not have to return our extra payment!! We did tell them that our house is under contract and expected to close XX/XX/XXXX, however that is 11 days away and a different issue! 

Why does XXXX bank want 13 payments from us this year instead of 12 and what in the law allows them to take our payment for XX/XX/XXXX when, according to our bank records attached our XXXX payment was made on XX/XX/2018. 

Please make sure that by Monday XX/XX/XXXX that our {$3500.00} is ABSOLUTELY REFUNDED to our XXXX  checking account that ends in -- XXXX as we were promised already on Monday night when a supervisor at XXXX Mortgage promised us. We have been loyal an excellent paying customers for 9 years, and we deserve to be treated right and within the terms of our agreement with XXXX. 

Thanks! - XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ

Complaint narrative:
on XX/XX/2018 at XXXX a lady by the name XXXX XXXX called durning my working hours advised her there should be a note not to call during this time its an inconvintent time to call. she ignored what I said and continue to proceed with verification and when I stated I am at work she started to get rude and said well what's your email address again I said theres something on file not to call while im at work then asked what's my work number asked to talk to a manager and was placed on hold for a while. XXXX XXXX was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/18 XXXX Started email with XXXX XXXX @ XXXX regarding buying " XXXX ''. 
XX/XX/18 XXXX Asked if still available and is XXXX  okay for payment. 
XX/XX/18 XXXX Responded to send payment to XXXX as friends and family screenshot when done and provide me your email to forward bot. 
XX/XX/18 XXXX Informed XXXX XXXX that payment was sent by XXXX via my BOA bank account by my email : XXXX. 
XX/XX/18 XXXX XXXX XXXX responded payment is on hold and asked if it could be refunded and resent via XXXX XXXX 
XX/XX/18 XXXX XXXX XXXX responded to send payment to XXXX. 
XX/XX/18 XXXX XXXX XXXX responded with different email of XXXX XX/XX/18 XXXX Told XXXX XXXX I sent money to the first email address and asked if I was going to get it back from that one. 
XX/XX/18 XXXX XXXX XXXX responded " you cancel it bro ''. 
XX/XX/18 XXXX Told XXXX XXXX I sent the money to XXXX on the first gmail. 
XX/XX/18 XXXX XXXX XXXX responded " can you cancel it? '' XX/XX/18 XXXX XXXX XXXX responded send it to XXXX. 
XX/XX/XXXX XXXX Told XXXX XXXX to let me know when XXXX is sent. 
XXXX Told XXXX XXXX to send the product or I would call the bank to obtain a refund. NO RESPONSE!!! 
XX/XX/18 - Called BOA to follow up on claim regarding scammer using XXXX on XXXX {$400.00} and XXXX {$400.00}. Both claims were closed because I had authorized the payments. XXXX reimbursed the first {$400.00}. BOA was not concerned that I had been scammed by XXXX and refused to reimburse the other {$400.00}.

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 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I spoke with XXXX XXXX on XX/XX/XXXX. He told me he would return my phone call on or before XX/XX/XXXX. Why will Shellpoint Mortgage not do as they say? They need to address my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: IL

Complaint narrative:
XXXX XXXX  payed off and transfered to XXXX XXXX westlake still reporting a open account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX of XXXX, I attempted to dispute the reporting of several closed accounts that have aged over seven years since their dates of first delinquency. I made at least a half dozen attempts online to submit the dispute requests. Every single time, I am getting an immediate error on their site when attempting to use their online system. The web page is https : //www.equifax.com/XXXX. 

When I attempted to contact Equifax 's customer support line for credit disputes, I was greeted by a support representative who upon hearing that I would like to remove these four closed accounts that have aged in excess of 7 years past their date of first delinquency, that their policy is to remove them after 10 years. This is NOT in-line with the credit reporting regulations that state they should be removed after 7 years. 

Equifax is systematically making it difficult for consumers to lawfully remove these adverse accounts from their credit files. I am not having any issues removing these records from XXXX  or XXXX. This has to stop. This is a company entrusted with protecting consumers ' credit information and XXXX is making up its own policies. I am furious. Please assist me in lawfully removing these records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
company is trying to scam me out of {$350.00}. I'm in the process of purchasing a home and company refuses to remove unknown collection debt. I offered to pay to delete even though the debt isnt mine but company refused. It's hurting my credit score and causing hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
When looking over my credit report, I found an account showing as reported by Commonwealth Financial Systems. It concerns a medical bill for {$1600.00} and shows as reported to my credit around XX/XX/2018. As I should have no outstanding medical debts I am fully insured I reached out to Commonwealth and informed them this was in error and asked for rectification and deletion of the account. I have yet to receive any response from Commonwealth and the account remains on my credit. I have not seen a bill or received any other justification for the debt, nor why my insurance would not have covered it, or if they were even properly billed. My disputes through the bureaus have resulted in no changes or responses, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a Huntington account in XX/XX/2018 with a {$200.00} bonus offer. The requirements were you had to make a {$1000.00} in deposits within 60 days and keep the account open for 90 days. It did NOT specify what type of deposits, it did state that you could NOT transfer money from another Huntington account as a deposit. I met the requirements and inquired about the bonus, I was told I didnt meet the requirements because I did an online transaction from XXXX to transfer funds to Huntington. I called 3 times! The customer service reps were extremely rude and I asked to speak to a supervisor, I got disconnected or hung up on the second time and the 3rd I was on hold for a long time so I hung up because I was so frustrated and could not get anywhere! I have screen shots of the requirements and no where does it state you can not do online transfers or Deposits! I want this situation rectified and an explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit Agencies keep reporting negative items on my report, which is effecting 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 2018-07-20 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: The Bureaus, Inc.
State: PA

Complaint narrative:
{$1700.00} someone use the card and been using it and paying the bill.I contact the company and my stuff was sent over to the credit reporting agency and to a collection department .I would like to get this off, I spoke with them and they said this account should be deleted due to fraud .i had papers and all.here s the  company THE BUREAUS INC XXXX XXXX XXXX XXXX. 

XX/XX/2018 {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax listed three key factors that adversely affected my credit score ; two of them were : Proportion of balances to credit limits is too high Amount owed on accounts is too high These are false. My combined credit limits ( on two cards ) is over {$32000.00}. On XX/XX/XXXX, when the credit report was run, their balances were XXXX. XXXX dollars, XXXX cents. For as long as I've had those cards, they have been paid off in full, on time or early. 

XXXX  and XXXX listed these factors as well. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The complaint is with Capital One. I have had this account for 17 years. I was a XXXX XXXX before I retired 5 years ago. I am XXXX XXXX XXXX. I was going out of town for 10 days in may and before i left I made my credit card payment. I made a mistake and paid them {$100.00} instead of the {$200.00} that I have been paying. They notified me about on the around the XXXX or XXXX of XXXX and paid them another {$100.00}. The next thing I knew my interest rate went from 6.5 % to 24.65 % and a late fee of {$39.00}. They also told me that I was late on my payment in XXXX of 2017. I had made a payment on the XXXX of XXXX and one on the XXXX of XXXX and they posted both in the month of XXXX and then said I did not make the XXXX payment. I learned not to make two payments in the same month. I also made a {$11000.00} payment the first part of XXXX because I received a large check from one of my customers. I deposited thie check and all was well, I thought. After 6 or 7 days my bank notified me that that large check had been returned unpaid. Therefore Capital one 's payment of {$11000.00} was returned unpaid. I immediately made my {$200.00} payment to Capital one, but they showed a returned payment that went against me. My interest has gone from $ XXXX {$65.00} a month to {$240.00} and more per month. I have written letters to them and the only thing they have said id that if I make my payments for 12 months then they will review my account and make a decision about lowering the interest rate and reversing the late charge. I have even written to the CEO, Mr XXXX XXXX XXXX and have not received a response. I am on social security and can not pay this amount of interest. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I checked my card account with American Express. I noticed that they had lowered my credit limit from {$11000.00} to {$3800.00}, and I was confused as to why. When I called in, I spoke to a XXXX who then transferred me to XXXX. When I spoke with XXXX, he then read a script saying that they checked my credit report with XXXX and reevaluated my relationship. Based upon what they found, they decided that it was best to lower my credit limit. I expressed to XXXX that I had several problems with this. First, my account with them has NEVER been late. I have been a member since XXXX, and I have never missed a payment on any of my accounts. Second, my credit is excellent and my income is also great. I also find it very odd that they decided to do this after they denied me for another credit card ( I submitted an application four days ago for it ). I almost feel as if I am being punished for asking for an additional card, even though I have excellent history with them. This situation is humiliating and as a result of them lowering my available credit line, it looks as if I am maxing out my credit cards with them which will impact my credit score negatively. There has to be some type of protection for someone in my situation, and the representative was not helpful. I am trying to purchase another home next year, and I feel that this will impact my ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Car was towed illegally as a tactic used by landlord to force my family and I to break lease. As we've learned ( the hard way ), he has a reputation of using underhanded tactics like this. There was no posted information about towing and no advance warning, which are necessary to legally tow a vehicle in XXXX XXXX. The substantial discrepancy between prices mandated by XXXX XXXX MTA code ( XXXX XXXX XXXX ) and what I was " charged '', in addition to my confrontations with the tower, suggest that he may be in racket with this particular towing company. 

If we look to the SFMTA code, we see that for first offences its {$220.00} plus {$65.00} per day the car is on the tower 's lot. I was " charged '' for more days than it was actually on the lot, at some crazy rate inconsistent with SFMTA code, resulting in a whopping difference of {$400.00}, XXXX {$900.00} vs. ~ {$1300.00}. I had left for a week and a half long business trip ( which my landlord was aware of ) and almost immediately after I left the car was towed ( again without legally-required warning ). This wasn't some small, innocent error. 

When it comes to getting your car towed, you have no choice but to pay whatever they tell you to get your car out. No choice. Or else the price keeps going up and up. I knew this was an illegal tow and I quickly identified that I was being extorted when the tower presented me the bill, after having done extensive research beforehand. I confronted the tower about both the illegal tow and how he was clearly overcharging me and I was told " do you want the car out or not? '' I had no choice to pay, but pay I did. I considered paying cash but I remembered that my credit card issuer protects me against fraud like this. I paid with credit and when I got home, I immediately submitted a chargeback request for the full amount, briefly touching on some of these points to the extent I could with the bank 's limited interface. I identified the charge, told the bank I confronted the tower in person ( multiple times ), and awaited a favorable ruling. 

But checking my credit card account today, I see that the temporary credit the bank granted for the fraudulent charge has been removed. I am expected to pay the full amount. 

Anyone in my situation would agree this is utterly unacceptable, hence my pursuit of further consumer protection with you, the CFPB.

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