vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a credit card with Capital One in order to begin re-building my credit. I was denied and told I would be receiving a letter outlining the reasons as to why within 10 business days. This was a month ago and I have yet to receive anything from Capital One. The offer for credit was pre-approved through XXXX XXXX as "likely to approve". While I understand XXXX XXXX did not make any promises, Capital One has not properly disclosed to me the reason(s) for denial as they are required and as they stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lenmo Inc
State: AL

Complaint narrative:
Hello my name is XXXX XXXX and I'm having an issue with a peer to peer lending company lenmo, my application was denied from the company which is not a big issue. My problem is that they don't want to release the reason why they denied me the loan. They said because of verification and I was asking what verification they had a problem with. They said for my security they can tell me the reason why, I know by law they have to give me the reason why they denied me, I gave this company my social security number and info and they can give me a reason. I know with any loan company they will send you a letter saying the reason. This lenmo company did not send nothing. No letter or email. I had to reach out to them on this issue. Please help me to get the answers I need.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has failed to send the paid in full letter that been requested on three separate occasions. Once towards the end of XX/XX/2019, a second time on XX/XX/2019 and a third time on XX/XX/2019. I still have not received the paid in full letter. I was advised I would receive the paid in full letter by the XXXX XXXX  team, which is a direct team of XXXX contact number is XXXX-XXXX-XXXX. This team advised their records show paid off date as of XX/XX/2019 on all three accounts.In addition, to requesting that paid off letters on three separate occasions I also received a call from a law firm stating that my loans no longer needed to be repaid because my loans were submitted into the XXXX lawsuit and all payment request from XXXX are to cease. This call was received after the accounts were paid through the law firm that XXXX obtained to collect the private student loans.  The fact that they have not sent the letter to me, so that I can send it to Transunion as well as all the other credit bureaus is affecting my credit. I have contacted Transunion on serval occasions asking them to update the information and they refuse to because XXXX is failing to update Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion began charging me $XXXX/mo after signing up for a basic credit freeze. We didn't discover this until we needed to unfreeze the account temporarily.At that point, Transunion could only refund the prior 90 days, so we fraudulently charged for two months of service

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was an authorized user on a BofA credit card and it is reporting to my credit as a bad account. I have requested removal and for them to take it off my credit since I am not financially responsible but they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a complaint regarding a FCBA disupute, CFPB Complaint XXXX-XXXX.   Chase mishandled that complaint by issuing a credit as a 'courtesy' rather than a permanent credit as required under the FCBA. Additionally Chase apparently conflated another consumer's compliant with mine and their letter resolving the above captioned complaint contains assertions regarding a fraudulent application and two credit bureau inquires.   I have never made a complaint or assertions relating to a fraudulent application nor credit bureau inquiries. I have written directly to Chase on this date as well requesting such clarifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I SUBMITTED UNAUTORIZED CHARGES ON MY DC FOR DISPUTE, WAS NEVER NOTIFED BY CAPITAL ONE ABOUT THE RESULTS OF THE INVESTIGATION UNTIL THE CREDIT WAS REVERSED AND I CALLED, THEY TOLD ME THAT THEY HAD IT FILED AS UNRECOGNIZED CHARGE...WHICH IS NOT HOW IT WAS SUPPOSED TO BE SUBMITTED.. THEY DIDNT REACH OUT TO ME ABOUT MY DISUPTES UNTIL 11/19 WHILE I WAS AT WORK, THE HAD ME PULLED OFF THE PHONE TO DISCUSS AT WORK WITH MY HR DEPT.. THE END RESULT WAS THEM STATING THAT I WAS FILING FRAUDULENT DISPUTES. SO I WAS TERMINATED. MY CREDIT HAS BEEN RUINED BECAUSE OF THIS ACCOUNT AND CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
My mortgage was serviced by XXXX XXXX. In XXXX of XXXX, as I qualified to have my private mortgage insurance removed, I requested its removal. After several attempts to have my request reviewed an appraiser selected by XXXX  was sent to my property. The appraised value and the substantial improvements I had made would have allowed the pmi to be removed. The improvements are noted in the appraisal. I received a letter stating that XXXX   XXXX  was transferring the servicing of my account to Citizens One Home Loans. I then received another letter from XXXX which miscalculated the "current value" as expressed on the appraisal and substituted my initial loan amount. In a call to XXXX, they stated that Citizen One would have all of the information and that I should continue my efforts with Citizen One. Citizen One then stated that the file was being transferred and to give it some time to have it transferred. I called again. I did allow the matter to drop for sometime, as I run a small business. I called Citizen One several months later and they told me there was no information regarding my request. In XXXX of XXXX, I mailed a letter requesting my pmi be removed. I received no response. In early XXXX, I wrote a letter stating that I would complain if this was not handled. I received a letter basically starting all over and Citizens claiming that they had no information regarding the previous request. Citizens requested an additional $XXXX for a broker price opinion of my property value. I sent them the appraisal that was ordered by XXXX, and asked why should I have to pay for an additional valuation when I qualified to begin with. In a letter from Citizens One dated XXXX  XXXX, "we have conducted an investigation and concluded that no error(s) occurred." They also sent a letter stating the minimum current value must be greater than $436,677.88. The appraisal was for $XXXX!!! I have qualified, I am qualified, yet I pay my pmi each month. (I have added dates and additional info in the history attached.)

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has been aggressively marketing a Citi Accelerate Savings Account.  On XXXX XXXX I decided to open an account and fund it with savings from my non-Citi bank account.  As soon as I opened the account I noticed that I did not get any email confirmation that the account had been opened.  Concerned that there was no documentation of the transaction, I called and decided to close the account that same day.  The next day I get a call from my regular bank telling me that Citi had withdrawn money from my account.  I called Citi (not easy to do) and spoke to a New Account Supervisor XXXX #XXXX. She said that because the account was closed, the money went into a "subledger account"  I could either wait 4 days to have the money redeposited in my bank account, or she could try to reopen the Citi savings account and deposit the money there.  4 days later she calls and says that I should expect the money to be deposited in the new account.  I checked the citi savings account and the balance was XXXX. I called XXXX and spoke to 3 people, the first two apologized and "disconnected me" finally the 3rd person (XXXX #XXXX) connected me to another supervisor, XXXX  (#XXXX) who said that she never heard of XXXX. She would have to put in a request and I would have to wait.  I asked her what would happen to my funds if this is not resolved.  She said that Cit would send the money to abandoned property and I would lose it.  It's been 14 days and I am concerned that I am stuck in this loop where they keep bouncing me around, giving me excuses, and avoiding the return of my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc.
State: WY

Complaint narrative:
XX/XX/XXXXr XX/XX/XXXX Wyoming XX/XX/XXXXPROFESSIONAL RECOVERY CONSULTANTS, INCDate: XX/XX/2019 Acct # XX/XX/3840 To Whom It May Concern: This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of: • Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. • Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XX/XX/XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. Sincerely, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XXXX XXXX, XXXX XXXX sent a transfer from TD XXXX bank to XXXX Bank in XXXX XXXX .... using the same data on another transfer which was sent XX/XX/2019 and the second transfer was received three days later but the first one I sent for {$2200.00} plus {$40.00} transfer fee was lost and not received by my contact but the second one went through. I have included paperwork on the first transfer and the second as well as documents showing funds taken from my account and TD XXXX investigation team data sheet. I have a complaint number for XXXX Bank for your investigation ... XXXX but was told to put an investigation on TD XXXX  not helping the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a letter from XXXX  XXXX XXXX. stating that PayPal Inc. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with PayPal and the remainder of the negative balance will remain on your PayPal account."I quickly called XXXX  and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called PayPal to confirm that this information was incorrect. I let them know I rarely ever use my PayPal account and this could not be possible. The PayPal rep asked me if i have a PayPal credit card, which I do not. He said that would be the only way PayPal would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX  2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from PayPal indicating that this information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
1. Fraud- Credit Card Applications2. I Have received mail containing confirmation of "My Place Rewards" credit card account applications. The applications were submitted by persons that I do not know they have un authorized used my home address.3. I contacted Post Office they told me to send the letters back to the bank. I contacted Customer Service at the Bank they said that there was nothing they could do.4. Comenity Capital Bank, PO Box XXXX XXXX, OH XXXX5. The most recent names used for the fraudulent accounts are:XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XXXX XXXX someone sent me $XXXX via my PayPal account.i received an email from PayPal my money was available. When I tried to deposit in my bank account it would not let me. I was leaving next day for vacation out of country. I contacted PayPal via live chT and was told that randomly happens and to retry in 3 days. After waiting I tried again and it would not let me and I was told their is a limitation placed on my account. I could not call bc I’m out of country so I did live chat again and was told I to send in requested info and wait 5 days. I couldn’t send a complete bank statement only version on my mobile acct. the next day they requested all my credit and info. I recto give that to them whereas I had been getting phishing emails from PayPal and had forwarded them a few months ago. They told me it’s in their contract that they can withhold my money, I never read or signed that and if there was any problem they didn’t even. It icy me via email or phone call. I don’t understand how PayPal can keep my money for 6 months, not allow me to refund sender so he could just give me by check or give me MY money. I expected thus money to pay bills. This is deceitful practice, just keeping my money and not telling me why let alone informing me. I want my account closed whereas I do not trust the safety of PayPal with my personal info yet they wont let me close it. I tried to make a dispute via PayPal option but it didn’t let me, it stated since I received the money they couldn’t do anything and to contact sender. I contacted sender and he called them and PayPal told him since I received the money he had to request refund from me, which PayPal will not allow me to do.i demand my money be released to me and my PayPal account be closed whereas I want nothing to do with PayPal. They stole my money and say I’m guilty of who knows what, I’m innocent of who knows what until they prove me guilty and then they could collect money, but I did nothing wrong just sneaky tactics on PayPal side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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: OH

Complaint narrative:
Equifax Attn: CEOXXXX XXXX  XXXXXXXX, GA XXXXXXXX Attn: CEOXXXX XXXXXXXX, NE XXXXXXXXCFPB Attn:CEOI have requested that this infomration be corrected multiple times with no corrections done. Only misreporting. Please see screenshot. This  XXXX car was sold to the dealer in XXXX of XXXX and was paid off in full. There should be no lates for XXXX, XXXX, XXXX, XXXX and XXXX. Please remove the erroneous lates. The monthly payment was not $XXXX per month.XXXX and XXXX has this information correctly noted. Please provide me with the proof you have that says otherwise. Please explain how this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My XXXX bill was due XX/XX/XXXX; I paid XX/XX/XXXX - 17 days late. They reported me to credit bureaus as being 30 days late. I sent them a message XX/XX/XXXX but received no resolution. I disputed with XXXX, and Comenity/XXXX reiterated the 30-day late payment. I also find I was charged XXXX XXXX XXXX   on my account which I never signed up for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 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: First Associates Loan Servicing LLC
State: TX

Complaint narrative:
I was a victim of predatory lending with School XXXX XXXX was sent a letter by Student CU Connect informing me that I’m no longer responsible for loans and I have a XXXX balance. But company refuses to honor the discharge. And I was sent a letter that my dispute was denied by company XXXX. Student Loans Amounts in Total is XXXX dollars. XX/XX/XXXX loan amount $XXXX. , XX/XX/XXXX $XXXX,  XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX. This has been an on going problem for 10 years. And I would like to be able to get my life back. I’ve reported to all bureaus and was denied of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Unable to login to my account.  Seems like it is permanently locked out and does not recognize my device ( computer ).  Worked fine yesterday.  Will not recognize username and password.  Wasted day with them with passcodes and emails I can not access when on their web page form.  Just locks out the account for access.   Calls get nowhere since you can not get IT to intervene and send a one time password to log in with and then change after logging in.  Had same password and user name since taking out the card with XXXX XXXX.  This TD bank card is no longer connected to my XXXX XXXX account either.  XXXX says have to log in with TD Bank now.  How??? Does not work.  Phone gives no passcode, email will not go back to form to insert passcode.  I want to get on this site to pay my bill and cancel it after I take my rewards cash back out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX bill was due XX/XX/XXXX; I paid XX/XX/XXXXXX/XX/XXXX - 17 days late. They reported me to credit bureaus as being 30 days late. I sent them a message XX/XX/XXXX but received no resolution. I disputed with Transunion, and XXXX/XXXX reiterated the 30-day late payment. I also find I was charged XXXX credit insurance on my account which I never signed up for.

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