vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I, XXXX XXXX XXXX received a letter from Bank of America on Monday, XX/XX/2020 stating that they have immediately closed my account as my profile risk factor is no longer acceptable to the company. I have attempted to reach them by phone several time, however I could never get through to talk with an associate. The letter said that any pending purchases may be declined and that any reward points would not be honored. There was no explanation for the cancellation. I have timely payments, my credit score is in the high 700 's and I am employed full-time. My balance is substantially lower than my credit limit. I can not believe that their action is legal or ethical, particularly during time when financial institutions should be helping individuals and families that are feeling a hardship from the pandemic that is taking place. I am not sure what I am being discriminated against and I am unsure of what damages I might receive from this action playing a part in my credit rating. I want answers. 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 explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! EXPERIAN is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .XXXX  also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, XXXX   is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I have been contacted by a debt collector Synergetic Communication , Inc. trying to XXXX XXXX XXXX # XXXX XXXX, TX XXXX collect an alleged debt of {$2600.00} for their acct # XXXX and offering a settlement offer of {$660.00}. Additionally, the debt collector is saying that due to the age of the debt their client will not sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Square merchant services XX/XX/2020 $ XXXX- They closed my merchant account for no reason. This is the 3rd time this happened with them. My transactions are legitimate. My customer even called her credit card company to be sure I would be paid. Square requested more verification from me, and I provided everything. They still closed my account and holding my funds with no customer service to speak with. This is the BIGGEST scam company on the world!!! I really think they saw my ID and saw Im a XXXX man with dreadlocks and keep closing my account without reason. They dont provide not one reason at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! XXXX  is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .XXXX  also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, TRANSUNION is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! XXXX  is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .EQUIFAX also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, XXXX   is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Moneydart Global Services Inc.
State: NC

Complaint narrative:
On XX/XX/2020, I initiated a transfer of {$10000.00} to my family in XXXX due to financial situation there are facing currently. I used XXXX XXXX XXXX service ( https : XXXX ) to transfer the money. 

When doing the transfer I was promised that money deposited in XXXX bank account on or before XXXX XXXX. Today is XXXX XXXX and no money has been deposited and additional company is NOT responding. I tried contacting their phone and email lines but no response at all. The {$10000.00} has been debited from my XXXX XXXX  account already last week but it has not made its ' way to XXXX bank account. 

I am worried about that I may have lost {$10000.00} plus my family needs that money as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity bank added a {$39.00} late fee after my account was paid off. Did not notify me and then added another {$35.00} late fee because I didn't pay the original late fee. Called to dispute the late charges and was they hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just got my car repose and pay a full amount but I just couldn't afford to pay almost 2600 and the XXXX the next month and I was wondering how can I get that waive fee off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good Morning, The reason i am writing to you is because i previously opened 2 disputes with Equifax and the results say the information will be deleted but when i checked my most recent report from their site and from myfico the old incorrect information remains. can you please help me get this correct. i will be attaching the resaults that they indicated that this information was deleted and another that shows its still on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have this credit card I am paying and trying my best as I could to pay and explain through phone calls that I am having hardship. I Had set up my account on them as " paperless '' that way no one knows but me. Even though I received a call from them and I had explained my part whats going on and even payed an amount that I could for now. They still sending letters to my address and It happens my husband received now he opens the letter and sees details and created us a grudge and he instructed me to leave the house. Now I am homeless. but my car. and what makes me furious is they said I never had payed 5 payments but I paid monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX I received a letter in the mail notifying me that I was approved for a promotional balance transfer of 0 % APR for 12 months. I got online and requested the balance transfer on my Amazon rewards credit card. I continued to use the credit card for amazon purchases. On my XXXX and XXXX bill, I was charged interest even though I paid down my balance to the balance transfer amount, which per the promotion would be charged 0 % interest. I called Chase to correct this error and they explained that payments are applied to the newest balance first and refused to refund the interest and correct my promotional balance. The advertisement was unfair, deceptive and not an accurate representation of the promotion being offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I attempted to change the bank account on file with my auto loan at TD Auto Finance. The auto payment of {$590.00} was scheduled to come out the two days later on XX/XX/XXXX. In an attempt to avoid the payment debiting the previous account I made a one-time payment for {$600.00}. 

Unfortunately, I later learned that any changes that are made within 5 days of the scheduled auto-pay date can not be changed and will not be applied to the current payment date. 

In the end, both payments came out. The scheduled payment with the previous bank for {$590.00} was drafted and my {$600.00} payment was drafted from my new account. 

The problem began when I called TD Auto on XX/XX/XXXX to explain the {$600.00} payment was intended to make the XXXX payment. They explained it had been applied as a principal payment in addition to the scheduled payment. I explained the mistake and requested a refund for the additional {$600.00} payment I made. 

This is where the representative on the phone explained that it takes 19-30 days to issue a refund. 

I believe this is an excessive amount of time and they are taking advantage of consumers by having this excessive amount of processing time to benefit them. 

I believe they are using this excessive amount of time to their advantage to manipulate their customers into allowing TD Auto to keep their customer 's money so TD Auto can have the security of their customer 's next payment. 

We've all received refunds from companies before, including banks and the longest it should ever take it 5 business days. 

I ask that you look into this excessive amount of time because I believe it is wrong and there should be limits on the amount of time it takes a company, especially a bank to issue a refund to its customers. 

Thank you for looking into this matter and everything you do to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: IL

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX Fraudulent Transactions On My Card Were Made! I Called Early XX/XX/XXXX To File The Dispute And As I'm Speaking To The Agent She Adds In That There Were More Transactions Being Made That Same Morning ( Clueless )! I Had No Access To My Account Login So I Wasn't Able To See Anything Going On. I Found Out By Calling To Check My Balance And It Wasn't Near What It Should Have Been Because I Don't Use The Card! {$880.00} Was Spent -Netspend Pre-paid Card! They Said It Matched Previous Transactions But I DON'T USE THE CARD! They Told Me I Would Be Credited On Two Separate Occasions Providing Emotional Distress! Now They Closed The Dispute Saying No Error Was Made It Was Me! Please Help! Those Were My Savings.

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: IA

Complaint narrative:
On XX/XX/2020 at XXXX I was called by this company, the representative was difficult to hear and was obviously reading from a script, but I heard her say something about attempting to collect a debt and how would I like to pay for it. I just laughed and informed the agent that all of my medical bills are paid for by the VA since I'm a vet and if they want to get paid they need to be contacting them and not me. Then I told her that I didn't know anything about what she was referring to, then when she said the name of her company, I informed her that I just received notice about this bill yesterday and if you want me to try to help you get paid you need to tell me and I will try but you need to give me time. She said she would notate the account. After thinking about it for an hour I thought that them calling me about a debt during the coronavirus pandemic crisis and them calling me the day after I received the letter from them was completely inappropriate. People can't pay their bills now as it is and to call me when they did with what is going on in the world is completely improper, unprofessional, ill-advised or any other synonym you care to use. I did call back and asked to speak to the agent that called me or her supervisor, the person on the phone didn't ask for any information and gave me another number to call to speak to a supervisor, I called the number and received a recording. I did leave a message for a call back which as of now hasn't happened.

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ftc violations XXXX : These lawsuits allege XXXXXXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
XXXX XXXX XXXX is being accused of pressuring customers into buying extended warranties that did not live up to the promises of sales staff. 

XXXX : CFPB Sues Nation 's Largest Student Loan Company XXXX for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception XXXX XXXX XXXX XXXX XXXX XXXX was sued by the XXXX   XXXX XXXX today for ... after controversy erupted earlier this year over wireless carriers ' data ... The suit also named two other companies, XXXX XXXX XXXX, XXXX, XXXX and XXXX get sued for reportedly selling your ... All four major cellphone companies have just been hit with a ... wireless carriers allowed third parties to track Americans ' cellphones without consent. 
XXXX XXXX News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XX/XX/2017 data breach, ... 
XXXX XXXX XXXX XXXX XX/XX/XXXX he Rule would prohibit anyone from engaging in fraud or deceit in wholesale petroleum markets or misleading any person by omitting important information from statements that might distort petroleum markets because of the omission.

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ftc violations XXXX  : These lawsuits allege XXXXXXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
XXXX XXXX XXXX is being accused of pressuring customers into buying extended warranties that did not live up to the promises of sales staff. 

XXXX : CFPB Sues Nation 's Largest Student Loan Company XXXX for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception XXXX  XXXX XXXX XXXX XXXX XXXX was sued by the XXXX  XXXX XXXX today for ... after controversy erupted earlier this year over wireless carriers ' data ... The suit also named two other companies, XXXX XXXX XXXX, XXXX, XXXX and XXXX get sued for reportedly selling your ... All four major cellphone companies have just been hit with a ... wireless carriers allowed third parties to track Americans ' cellphones without consent. 
XXXX XXXX News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's 2017 data breach, ... 
XXXX XXXX XXXX XXXX XXXX he Rule would prohibit anyone from engaging in fraud or deceit in wholesale petroleum markets or misleading any person by omitting important information from statements that might distort petroleum markets because of the omission.

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 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I contacted customer care at XXXX CMC Funding specialized loan servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of the Cononavirus I'm out of work and wanted to see what I could do payment wise with the company because its a international problem. 
Basically they said I could go in a three month forbearance. At the end of the three months I would have to come up with the three months of mortgage in full up front. This is basically impossible if I'm not working. 

I was to receive information through the mail the next day that I haven't received yet. 
contacted them The XXXX or XXXX of 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 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
We are trying to close in my dad 's house but freedom mortgage has refused to give my title loan officer the payoff. She has been asking since XX/XX/XXXX. We were supposed to close XX/XX/XXXX, but they told her, on that day, that.they didn't have my ID. I had sent them the weeks before. I sent it to the title loan officer and she sent it to them. 2 days later they still hadn't uploaded the I'd and still refuse to give her the payoff. This is our third buyer and we may lose this buyer with the delayed closing. 
It seems as though they are only delaying to get more daily interest from me. 
Please help as soon as possible.

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