vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased two tickets for XXXX " XXXX XXXX '' ride in XXXX XXXX via XXXX using my Capital One Savor Card. Total charge was {$60.00}. 
I purchased these tickets for a business trip to XXXX XXXX during XX/XX/XXXX through XX/XX/XXXX. 

I arrived to the XXXX XXXX XXXX on XX/XX/XXXX to redeem the vouchers only to learn they had expired. I could not find where an expiration date was disclosed. It was not in the XXXX email, nor was it disclosed on the voucher. Needless to say, I was embarrassed and humiliated. I had to purchase more expensive tickets on the spot and now I'm also out {$60.00}. 

I contacted Capital One to dispute the charge, but they denied my dispute. 

I will be filing a complaint with the California Attorney General, as well as filing a lawsuit in Small Claims court in XXXX County, California if this issue is not resolved by way of a refund. Both Capital One and XXXX can send one of their representatives to explain and prove how an expiration date was properly disclosed to consumers. I am disappointed in both Capital One AND XXXX for failing to support the customer and for pushing to file complaints with various agencies like the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened a Sapphire Checking and U-Invest Brokerage account with Chase a few weeks ago. I was able to open the checking account online successfully and transferred {$75000.00} to it. A few days after, I opened a U-Invest Brokerage account online. However, Chase locked me out of my account after doing this. They withdrew all {$75000.00} from my checking account and held it for review for over 2 weeks. They had me come into a local branch to verify my addresses via a debit card and my license. Even 3 days after verifying my address, they have still said my account is under review. I have no idea where my {$75000.00} is, and at this point it's been held by Chase for over 2 weeks. They have also given me NO explanation for why they are holding it, with no written notices mailed or emailed to me. Even after spending over 3 hours of work time on the phone, they have not provided any details. 

XX/XX/XXXX - Opened Chase Sapphire Checking account XX/XX/XXXX - Initiated transfer of around {$20000.00} from XXXX to Chase Checking XX/XX/XXXX - Initiated transfer of around {$55000.00} from XXXX to Chase Checking XX/XX/XXXX - Tried to open Chase U-Invest Account XX/XX/XXXX - U-Invest opening denied XX/XX/XXXX - Locked out of my Chase Checking account. Was emailed that a notice was posted on my Chase account online. But I can not access the account ... 
Around XX/XX/XXXX - Called Chase. Verified SSN. Was told my account was being closed, my relationship with chase terminated, and given no explanation. Was told to go into a local branch to verify my address. Wasted an hour. 
XX/XX/XXXX - Went to branch. Banker verified my address but could not explain why my account was closed. Wasted over an hour. 
XX/XX/XXXX - Called Chase again and verified SSN again. Spoke with 4 different departments. Told that my {$75000.00} was still being held and has not yet been processed for release. Still no explanation. I threatened to file a complaint with the CFPB for this behavior. 
XX/XX/XXXX - Filed this complaint. Checked my chase account online for any letters, but saw none. Checked my mailbox for letters, but saw none. No explanation provided by Chase for holding {$75000.00} for over 2 weeks at this point. They have me a case number to follow, but it's unclear what this is for ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I can not use my checking account and every time I call customer service they say my account is handled by a different department. For the last 4 monthes I am not able to reach that department and that department does not communicate with me so I can understand why I hve limited access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got 3 new different hard inquiries on my credit report on XX/XX/2020 from companies that I do not recognize. Considering that I did not ask for any loan or credit in the last year I would like to know why is these inquiries for cause I do not want these hard inquiries to affect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I have already filed a complaint against National Collegiate Student Loan Trust ( NCSLT ) # XXXX-XXXX. I was encouraged by my " for profit '' XXXX  school to take out predatory private student loans while I attended their school for almost 10 years at the rate of approximately {$5000.00} per semester. I never graduated, and am now a XXXX XXXX  XXXX XXXX  rated as individually unemployable. I have a very limited income, and can barely pay my rent since my ex-husband left and stuck me in a lease of $ XXXX/month ( which takes up 99 % of my XXXX check ). Although all of my federal loans have been forgiven due to my military  XXXX status, NCSLT insists that I owe approximately {$120000.00} with ever increasing interest. After the last dispute/ investigation, NCSLT told investigators that they didn't know who I was, and so the investigation was passed onto their collection agency, XXXX , XXXX . Since then, however, I received mail from XXXX XXXX stating that NCSLT intended to sell my financial information to others unless I returned their form with the appropriate checked boxes. In addition, NCSLT has now hired a new collection agency- Patenaude & Felix , A.P.C. See attached documents. I fear that NCSLT will continue to ruin my credit due to these predatory private student loans that were heavily encouraged by my " for profit '' graduate institution that targeted students that were either immigrants or else were the first in their families to attend college prior to 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: MN

Complaint narrative:
The following accounts listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, {$14000.00}, XXXX XXXX XXXX XXXX XXXX, {$5000.00}, XXXX XXXX   XXXX XXXX, {$30000.00}, XXXX, {$3400.00}, XXXX XXXX XXXX, {$500.00} and XXXX XXXX/XXXX XXXX   XXXX, {$1800.00}. I been receiving harassing and threatening telephone calls at XXXX XXXX and XXXX XXXX  of profane and abusive language from the listed creditors regarding a debt I dont owe the creditors for, because the accounts are fraudulent and not my accounts.

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 2020-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I had got scammed by a man who wanted me to pay rent in his room for rent but he never sent the keys and I lost {$1000.00} on the XXXX dollars on Cashapp. The company did not return the money as they said it was already gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: MN

Complaint narrative:
The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, {$14000.00}, XXXX XXXX  XXXX XXXX XXXX, {$5000.00}, XXXX XXXX   XXXX XXXX, {$30000.00}, XXXX, {$3400.00}, XXXX XXXX XXXX, {$500.00} and XXXX XXXX/XXXX XXXX   XXXX, {$1800.00}. I been receiving harassing and threatening telephone calls at XXXX XXXX and XXXX XXXX  of profane and abusive language from the listed creditors regarding a debt I dont owe the creditors for, because the accounts are fraudulent and not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance
State: CA

Complaint narrative:
Student Loan Financial Assistance located at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX and XXXX solicitated me over a robo call claiming to be the US Department of Education and promising me if I paid {$1400.00} to them my loans will be forgiven and wiped off my credit report immediately after payments have been rendered. I paid the payments and their processing department forged my electronic signature and sent out a forbearance to my current loan servicer XXXX XXXX without my knowledge or consent to put my current loan payments on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/2020 I nade a puchase at XXXX using my Chase bank debit card connected to my checking and savings accounts while paying for purchase i noted a long line of customers overlooking my shoulders as I was entering ny pin to pay for my purchase. After I completed paying I ibtain my purchase but forgot an left my Chase debit card ending in XXXX and drivers license on the counter and didn't discover that I had lost both until on or about XX/XX/2020. 
I immediately went online and checked my account and noticed that two unauthorized transactions were made at XXXX, located at XXXX XXXX XXXX Ca for purchase of a XXXX gift card and a purchase for a XXXX gift card using my card ending in XXXX. 
I immediately called and made a claim for this unauthorized transaction that chase provided me with a temporary refund until XX/XX/2020 when chase reverse the credit based on the fact that a purchase was made with my carebding in XXXX at XXXX 's for XXXX in the same city on XX/XX/2020 after the date of my reported card lost. I reviewed my account and noted that the transaction could not have been made by me an then filed a claim for reimbursement of the XXXX paid. Chase accepted my claim and credit my acount after their investigation. Despite having shown that the grounds that chase had used the the said purchase was not authorized abd therefore countered their rationale for denying my claims for XXXX and XXXX that was based on my card being used after the date of my reported lost. Chase again denied my claim on XXXX XX/XX/2020. Based on the fact that a cash trans action for XXXX on XX/XX/2020. 
I again reviewed ny account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: VW Credit
State: IN

Complaint narrative:
XX/XX/2016 the amount of debt XXXX atfer talking to them about and ask to stop calling me because i dont have the money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PMAB,LLC
State: NC

Complaint narrative:
I tried disputing these medical charges through XXXX. Im a XXXX veteran  and all the medical charges were before i got my XXXX rating and the medical charges are all XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
Im a XXXX veteran. Before i got my V.A. XXXX I went to civilian doctors for my XXXX XXXX  XXXX, all of my medical charges were put into collection. It has hurt my credit score severely,

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 2020-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Back in XX/XX/2019, I applied for a SBA Business Line of Credit with TD Bank. Shortly after, I was pre-approved for a SBA Business LOC of {$100000.00}. A few days after submitting the necessary documents I decided to apply for the same LOC at XXXX XXXX. As expected, I was pre-approved for a SBA Business LOC for {$100000.00}. Long story short, I eventually closed on the XXXX with XXXX XXXX  without any issues. However, TD Bank eventually denied my application. When I asked them why? The XXXX Banker informally stated that due to my outstanding balance with the IRS, my loan could not be approved. However, I explained to the rep that, although I have an outstanding balance, I do not have any judgements, liens or defaults against me. The outstanding balance is due to a pending review and my payments are current. More importantly, I explained that another major bank had a approved me and I provided TD with my closing documents. TD Bank insisted that the denial of my application was valid and that I would receive a formal denial letter within the mail. However, its been over a month and I have not received any documents explaining the reason for my denial which has led me to believe that I am being discriminated on for either my race and or gender. I would like this situation reviewed and a valid explanation be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: MO

Complaint narrative:
My credit score should be XXXX All three Credit Reporting Agencies have not corrected my credit score. I feel I being Discriminated against because I am XXXX American.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: MO

Complaint narrative:
My credit score should be XXXX All three Credit Reporting Agencies have not corrected my credit score. I  feel I being Discriminated against because I am 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 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal is refusing to close both accounts to my knowledge possibly more I am being told they cant send a statement for a negative balance on a prepaid debit card I believe I am being stalked by a XXXX male employee dressed in drag, that embezzled money at pep boys in XXXX, California ultimately he is going by an alias but once went by XXXX, I am trying to close all PayPal accounts because she went to prison for stealing out of the cash register while working just ask XXXX XXXX the Manager at pep boys back then before it was closed after being robbed! Please investigate this and close my fake accounts she has no apparent reason to keep my account open. Please help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank credit card Dispute XXXX CFPB Case # XXXX-XXXX  In reference to Letter dated XX/XX/2020 from Ms. XXXX XXXX. 

This letter asserts that the customer " arrived after the service has ended for the day ''. Please provide proof of this indicating that the customer arrived after the breakfast services ended for the day. 

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 2020-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: SC

Complaint narrative:
I made a purchase in on XX/XX/XXXX never got my purchase delivered ask for Direct Express to refund my money sent them the tracking number where it showed that it was stopped at customs in XXXX XXXX as final status. I explained that I never got my log splitters that I paid for but Direct Express would not reverse the charges. I made a complaint to Senator XXXX XXXX office and they referred me to your department. Could you please help me recover my funds. The card used at the time of the fraud was XXXX XXXX XXXX XXXX Master Card XX/XX/XXXX I immediately cancelled that card and they issued me a new card XXXX XXXX XXXX XXXX Master Card XX/XX/XXXX. 
17 Track tracking number is XXXX XXXX XXXX last update was XX/XX/XXXX. Did not make it XXXX SC. I Never got these three items I bought two at at XXXX and another purchase at XXXX because it was such a great deal. This was a scam. Phone number on card for customer service is XXXX but that number will put you on hold for hours and then hangs up on you.Comerica fraud center number is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax continues to report a discharged chapter XXXX bankruptcy on my credit report that has expired its 10 years of reporting. Also, their investigation ( s ) have taken over 60 days on multiple complaints through the CFPB and directly with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis continues to report a discharged chapter XXXX bankruptcy on my credit report that has expired its 10 years of reporting. Also, their investigation ( s ) have taken over 60 days on multiple complaints through the  CFPB and directly with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX and now in XXXX Equifax does not give an annual credit report from XXXX XXXX XXXX Equifax fails through XXXX XXXX XXXX and through direct contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
repeated request to remove pMI from my mortgage payment. 
keep delaying the process. 
Finally receive the letter, dated XX/XX/2020, from pennymac stating that PMI has been removed on XX/XX/2020. However, the online payment page on PennyMac website is not updated, dated XX/XX/2020, and my mortgage payment for XXXX is due. I do not want to pay the penalty or the PMI which Pennymac stated has been removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: MD

Complaint narrative:
I received a letter from Asset Recovery Solutions , LLC dated XX/XX/19. They said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX has purchased an account ending in XXXX from XXXX XXXX Bank and they will be helping to collect the debt. I had within 30 days to dispute it. I never received a letter from XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I responded to Asset Recovery Solutions , LLC with a certified dispute letter dated XX/XX/19. The receipt number is XXXX XXXX XXXX XXXX XXXX. They received it on XX/XX/19 at XXXX. I waited a month for a respond. They ignored my dispute letter and sent another letter dated on XX/XX/19 offering to settle the debt for 79 % of the balance.

Company response to consumer: Closed with explanation