vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: CA

Complaint narrative:
The week of XX/XX/XXXX Right when the Covid-19 Pandemic hit I was told by American Express my existing remaining available credit which was around {$8000.00} was being reduced to XXXX unless I paid {$3500.00} in 3 weeks. 

Now I have been with American Express for over 3 years, Ive never had a late payment, over the limit, or anything that would negatively effect by standing with American Express. In the middle of a world-wide crisis they abandon me when I needed them the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
The apple card doesnt allow for any customer authorized data sharing. So I am unable to import it into my bugdeting programs without manually entering each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: FL

Complaint narrative:
In XXXX of XXXX my XXXX doctor sent a referral to my XXXX to schedule two Free XXXX for me. One was an XXXX as follow up to a diagnosis I had earlier that year when I XXXX a XXXX XXXX  XXXX XXXX called XXXX. Due to my inability to tolerate almost all antibiotics, the standard regimen to treat that condition could not be used so my XXXX had to try another method with the hope that it would work. At the end of that treatment which was 14 days, they had to do a post test followed by the XXXX to be sure there were not adverse damage to my XXXX XXXX. The Second was my 5 year XXXX all of which was authorized and covered by my insurance 100 % Both procedures were completed at the same time in XXXX of XXXX. Shortly after I received a bill from the Facility where the procedure was done so I took it to my XXXX XXXX XXXX XXXX office and gave it to his office Manager XXXX. She called over to the billing office and made them aware that I should not have received a bill because both procedures were screenings and there should be no charge. I was sitting in her office when she made the call, she said its taken care of and I am good to go. Around XX/XX/2014 I received a letter from Fox collection stating I owe this bill. I told then no and that the billing office was made aware that the screenings were free. Fox collection reported me to the credit bureau. I have tried to dispute it several times but they refuse to remove it from my record. I recently went back to my XXXX  office and they gave me a copy of the order for me to send with this complaint. They also stated that if this does not work I should return and they would contact the billing people again to try and resolve it. Attached is a copy of what my doctor gave me to send with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: IL

Complaint narrative:
I continue to receive repeated calls on XX/XX/2020, XX/XX/2020 and XX/XX/2020, as well as earlier in the year, looking for a person that does not and never has resided at my address. They use an automated system with the option for reporting a wrong number and to be removed from the call list but that has not happened. I have contacted a live human and told them this information but the call continue. Please make the calls stop. To help expedite the processing of this, you need not contact me about it. I appreciate any help you can give to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express closed my card and began calling my company over and over again as a result of that closing with their internal debt collections. I asked numerous times for that to stop and finally lodged a complaint. I continued to pay the payment minimum balance but did not set it up on an auto draw so they would assume it would not be paid and start all over. I paid my XXXX payment online minimum balance as reflected in their website and now I am getting calls from an attorney representing them. I believe that this was retaliation for the complaints against them breaking rules and constantly calling my employer even after receiving written and verbal requests not to do so. I am not able to get online to make my payment today and have no intention of settling this debt at a lower amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase claims to have a Send feature which allows consumers to send crypto funds as one would normally expect to another wallet, our own or someone else 's as a means of making payments. That button is missing from the Dashboard where they claim it should be. 

Coinbase support is not reachable by phone and worse attempting to navigate their phone tree ( or " tree '' there's one option - reporting an account breach ) - causes Coinbase to lock your account and keep your funds. I currently have {$1600.00} worth of crypto, {$1300.00} of which is XXXX, that they are not allowing me to send. 

Email support is worse than useless, they cut & paste claims that the button is there & I should refresh the browser. I have tried multiple browsers on XXXX & XXXX ; no such button exists. Coinbase is forcing consumers to sell assets through them with their fees in any hope of withdrawing funds. This has to be illegal, they are withholding an advertised send feature & gaming everything else to hold funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Debt with XXXX XXXX XXXX XXXX XXXX XXXX is not valid debt on credit report. Debt validation was sent to credit bureaus in XX/XX/2020.

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 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am currently engaged in resolving problems with my mother 's checking and savings accounts. I received " notices '' from USAA dated XX/XX/20 and XX/XX/20 indicating that changes have been made to these accounts. I called USAA and spoke with USAA customer service to explain to me exactly what " update account information '' was provided and updated. USAA was unable to give me an answer. I spoke with XXXX XXXX XXXX and discussed these letters and he indicated that the information I have been working with him to get updated was not the information to which these letters refer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: NY

Complaint narrative:
Ive submitted numerous complaints stating tranunion didnt complete an investigation within 30days of me sending certied letter to verify fraudulent data ln my credit file. This is violation of my frca rights. I would like these incorrect files to be deleted or show proof you completed investigation within 30days

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2020, I made a purchase at Lowe 's for {$4500.00}. I used my Lowe 's store credit card so that I could take advantage of the 24 month no interest financing that was being offered. 

On XX/XX/2020, I logged onto my Lowe 's credit card ( Synchrony Bank ) website to manage my auto-pay settings and setup monthly payments for my purchase. My account was previously set to auto-pay the statement balance. I cancelled that option and setup a recurring payment of {$190.00} on the XXXX of each month ( my balance due date ). 

On XX/XX/XXXX, Lowe 's credit card ( Synchrony Bank ) drafted my bank account the full {$4500.00} instead of the {$190.00} that I had setup. 

On XX/XX/XXXX, I noticed the overdraft and called Lowe 's credit customer service. They confirmed that the auto-pay settings on my account were set correctly and apologized for the overdraft. I asked for them to refund the payment and was told that in order for them to refund me I needed to fax over my full bank statement to them showing the amount was processed and not pending. That didn't sound right to me, so I called back to speak to someone else and was told the same thing. I asked if I could send a redacted bank statement showing only the related Lowe 's purchase and was told that they would need the full unredacted bank statement. 

I did not authorize the draft of {$4500.00} and in order to get the money back, I feel that Lowe 's credit ( Synchrony Bank ) is asking for my private information that they don't need before processing the refund.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
O XXXX of this year, I applied for a credit card with Comenity Bank in particular a XXXX XXXX ' credit card. The 1st reply was my credit file was on freeze. I Thawed out my file and reported it to them. The 2nd reply was that it was to early to re-apply, ask me to file again after 30  days. I did so. The 3rd letter ask fo copies of my Social Security Card,  front and back ; the 2 sides of my Ohio Drivers license ; and a copy of our recent bank statement. WITH THE HIGH RISK OF MY PERSONAL INFO FALLING INTO WRONG HANDS, I SEND THEM WHAT THEY REQUIRED. My last reply from them was, that after all the info they ask for and their resources researched my personal credentials. they said that " THEY COULDN'T VERIFY MY IDENTITY. '' AFTER RECEIVING THIS TROUBLING STATEMENT, .WE SUFFERED SLEEPLESS NIGHTS AND WE EXPERIENCED INTENSE XXXX AND XXXX XXXX AND PAIN. I HAVE 4 OTHER CREDIT CARDS AND HAD NO PROBLEM GETTING THEM. THEIR COMPANY HAS A WIDE VARIETY OF TOOLS TO VERIFY THE VERACITY OF MY INFORMATION AND EASY TO OBTAIN BECAUSE OF THE NATURE OF THEIR BUSINESS.iT ALSO AFFECTED MY CREDIT SCORE AND WILL FOR SOME YEARS. WITH ALL THOSE RESOURCES THEY HAVE. THIS STATEMENT IS FALSE AND MISLEADING. I HAVE XXXX CREDIT PROTECTION AND I CHECKED, THERE WERE NO RED FLAGS ABOUT MY IDENTITY 'S VERACITY. THIS TYPE OF BUSINESS SHOULDN'T BE PRACTICING THESE TACTICS. I THINK THEY SHOULD BE MADE TO PAY A HEAVY FINE. FOR THIS SCARY TACTICS THAT WE HAVE UNDERGONE AND STILL WILL COST US SLEEPLESS NIGHTS AND CONTINUED XXXX AND XXXX   XXXX AND PAIN. THANK YOU FOR YOUR HELP, CFPB..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am trying to do a Partial Release on the mortgage my husband and I have on our home. I'd like to put a large sum of money on the loan as well. Husband is retired and my income has already been drastically affected this year by COVID. We are trying to prepare for what we may be facing financially. 

I have called numerous times to Bank of America, including today, and have not heard back from anyone who can explain my risks of being denied when attempting to get a partial release on our mortgage. In essence, without being willing to give me any information on which they will base their decision to approve or deny, they want me to send in nearly {$2000.00}, all non-refundable, and then they will ( what feels like, randomly ) decide if they can do this partial release. Based on who knows what ... 

{$2000.00} is a lot of money to just throw away. I want to stack the odds in my favor - meaning, if their criteria is so strict that there is no way we would be approved, then I would turn around and go home. But, so far, all I've been told ( by person answering phones ) is basically " Yup, just send in the money and we will see ... '' Any mortgage has certain requirements that if not met is denied. Like credit score, appraised value, debt to income ratios, etc. I'm willing to risk submitting an application along with {$2000.00} non-refundable funds, if they can provide a basis upon which they evaluate this request. If I knew that, and knew I wouldn't meet the criteria, I would save myself a huge chunk of much-needed change. But as it sits right now, I can't even get a call back, much less find out anything such as terms. 

Am I being unreasonable to expect that I should be able to know, like any other mortgage ( of which this is not exactly, I understand ), the guidelines for approval? Is this truly allowed in the banking industry, that no criteria need be revealed to the customer when trying to do a partial release?

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 2020-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am not able to connect my PNC account with XXXX to transfer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called into Capital One regarding my credit card at the start of the pandemic XXXX XXXX XXXX citing hardship due to lost wages, since my job was essentially put on hold. When I had called in XXXX, Capital One agreed to waive late charges. My account was in good standing at that point as well. 

Yesterday, I looked at my XXXX score and discovered that Capital One had marked me 90 days late. I called into customer service yesterday XXXX XX/XX/20 XXXX to dispute the fact that they are marking me late on my credit report. I opted to close my account as the Capital One Customer Service Supervisor, XXXX, said he was unable to remove the late markings on my credit report. This has dramatically effected my life as it has dropped my score from XXXX to XXXX!!! I'm in the process of applying for a home refinance and this has effected my score, and likely my ability to refinance!!!!! 

Capital One 's actions and practices are particularly egregious during a time of severe hardship when so many families have been pushed beyond the brink financially. They were notified in XXXX that I was experiencing hardship due to the virus situation, yet can still mark someone late, effecting their credit scores? Absolutely astonishing that a company like Capital One can do this to someone. Capital One should be ashamed of themselves!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.

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 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo decided to call me today, and told me that the fraud claim that I had reported in the past, and due to the claim that I filed JUST this week over an ATM Withdraw where the money wasn't dispensed and I actually spoke to the business manager in person face to face, and he assured me nothing was charged even though I SHOWED him the charge. He told me it would drop off in a few days, that they will be closing my Debit card. Which during Covid-19 I am using, so that I do not have to get out and write checks, So that I do not have to go to the bank. The Lady insisted that she counted 30 Claims. Which I know for fact, I have not filed 30 Claims. If someone filed these, I am not sure who it was. I have filed a fraud claim in the past because I was actually frauded which wells fargo didn't refund anyways. The Merchant had to. Which I had to reach out to, and for the ATM withdraw that the merchant promised me I wasn't actually charged that would fall off in the next few days and never fell off. I tried Explaining to the lady that I am not aware of what she is referring to. I told her, anytime a claim has been filed I have explicitly provided detailed documentation as to what happened during that incident. I told her no further claims would be filed for the next 12-Month Period unless fraud occurred. She told me did not care that I rely on my debit card to pay my electricity, she did not care that I rely on my debit card to pay my water bill, or to pay my food expenses at the grocery store. She did not care. Wells Fargo does not care, they encourage people to go to the branch and to catch Covid-19, When on their Website it says the opposite. It says they are here to assist you digitally. I do not feel like the closure of my debit card was fair, and or was unethical practices. I have not done anything to harm the bank ever. I know exactly what happened, and I tried explaining it to the rep who seemed to get hostile on the phone and didn't care what I had to say.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
In attempting to secure a home equity loan, we learned of a judgement issued from our District court against us for {$4500.00} for Springleaf Financial ( now One Main Financial ). Numerous phone calls to One Main have identified that amount was pain in full, however One Main has not responded to multiple requests to notify the District court of the  release of this judgement against us. The District Court docket number for XXXX County is XXXX. Most recent phone contact with the litigation department at One Main was yesterday XXXX. One Main 's  failure to notify the district court of the release of this judgement is impeding our purchase of a new home which is set to close in the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I co signed this loan for my son. In XXXX of 2019 he was in an auto accident. The car was deemed totaled by the insurance company. All state insurance paid their balance immediately. I called American Credit Acceptance and the dealership many times to get them to have the GAP insurance cover the remaining balance. I continued to pay this loan in XXXX, XXXX and XXXX to make sure this did not report negatively on my credit. But low and behold even when the car was completely covered by insurance and GAP insurance some how they still managed to destroy my perfect credit with a 30 day late payment in XXXX of 2019. This is NOT acceptable. We were NEVER late on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 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: FL

Complaint narrative:
I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.

Company response to consumer: Closed with explanation