vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted Chase and closed our Sapphire Preferred credit card in order to go back to using our XXXX Reward account. Before closing the account I asked the representative if we would lose our reward and she explained that the points would not be lost. On XX/XX/XXXX I contacted Chase to redeem our Sapphire rewards and they informed me that the points were lost. I explained that I was not informed at the time of closing and they should listen to the recorded call on XX/XX/XXXX. They said they would refer to the marketing department and respond within 7-10 days. I received a letter from Cardmember Service which states " according to the terms and conditions of the rewards program agreement, customers have 30 days from the date of the account closure to redeem rewards. '' I've read the agreement and it states " your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy or other reasons described in the terms of the Rewards Program. '' I contacted Chase on XX/XX/XXXX and spoke to XXXX and explained the situation again and she stated the same explanation that was given in the letter. I asked to speak to the marketing manager who would be responsible for the response however they have no customer contact. In summary : I was misinformed about losing XXXX points ( {$210.00} ) on XX/XX/XXXX when I closed the account. If I had known we were to lose the points we would have asked for the points to be redeemed at that point in time. Please assist us with this issue and advise us of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2019 I viewed an update copy of my credit reports and noticed that Capital One Is reporting incorrect information on my credit bureaus file. Capital One is reporting that this closed Credit Card account has been included in a Chapter XXXX Bankruptcy. I have previously on " XX/XX/2019 '', " XX/XX/2019 '' and XXXX XXXX disputed this closed credit card account directly with Capital One. Capital One responded back to me each time that I am claiming " Account Fraud '' and that they will not investigate due to limited information. ( please see attached letters from Capital One ). 
I have never documented in any of my disputes to Capital one " Account Fraud ''. I requested to them in writing that they are reporting incorrect information to the credit bureaus that should be deleted immediately. Capital One last reported this incorrect information on XX/XX/2019. As of XX/XX/2019 I do not have an active or closed Bankruptcy filed under my name or my SSN. ( Please see highlights on attach file showing Proof of no bankruptcy file. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
synchrony bank issued me a carecredit account credit card # ( XXXX. 

my credit limt was {$8000.00} and they lowered the credit limit to {$2400.00} without any cause or warning being sent to me. i have always paid on time and have a current balance of XXXX. I AM in the middle of XXXX XXXX XXXX that will require about {$5000.00} in expenses. i was counting on my credit limit o {$8000.00} to pay my XXXX XXXX since i wouldve never imagined this bank would do this harm to me without cause. 

Its of urgent matter THAT I WILL BE able to pay for these medical prosedures, i contacted synchrony bank and there response was since i dint use the whole amount of my {$8000.00} credit limit within a year they decided to lower the credit limit. this is a out right fraud and deceptive trade practices by taking this action. i do need now to have the original credit line restored to be able to pay the XXXX   cost i need to pay. THEY ALSO CAUSED MY CREDIT SCORE TO DROP 100 POINTS WHEN THEY LOWERED MY CREDIT  LIMIT. A TOTAL ABUSE OF POWER WITH OUT MOTIVE

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 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I just keep trying and trying to get Bank of America to work with me and lower my monthly payments. They refuse to work with me or state they can not lower the payment. My family is going through something traumatic. I get the same call from a guy named XXXX when I do complain. But I never call back due to the fact of what my family is going through, Im in hospitals all the time and cant talk. I just want a letter of what the heck they will do to help me.

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 2019-11-02 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have {$260.00} in my Paypal account. Paypal emailed me to inform me that my account was blocked by them and that i can not use my money for six moths. They don't want to give me any information upon why my account was blocked and i can not retrieve my money from the account at this point. 
I want to finish my business with Paypal and get my money from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/2019 I sent a dispute letter to Fed Loan Servicing about the student loans they claim I owe. I asked them to send me verifiable information for the accounts and the information that they sent me did not constitute the {$210000.00}. They sent me a promissory note from a school and had a lot of information redacted and if this was supposed be a document that was mine it should not have had information withheld and if one school has charged this amount of than they were doing some money laundering and should be charged Federally. They sent me an itemized bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Fed Loan Servicing and they continue to report negative information to my report and did not respond to my letter. Their reporting is a violation and continues to prevent me from moving forward with my life and prevents me from finding means to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was promised a 2 % cash rebate on all purchases. On XX/XX/2019 I requested {$640.00} in cash rebates I had earned on purchases. I have never received the cash and the bank, Synchronity of Utah has done NOTHING to make good on the agreement.

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 2019-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent money through XXXX for what I thought was tickets to XXXX XXXX. I was promised tickets for me & my kids. I sent the money and never received the tickets. I was scammed out of {$1000.00}. My kids were left devastated. I reached out to the scammer several times and was blocked. Attempted several times to request the funds back through XXXX & Chase. Each attempt was declined by the scammer. Chase sent me a text asking if the transaction was valid and I immediately called them and said no that it was in fact fraud. An investigation was done and they were supposed to reach out to the scammers bank and request a courtesy refund, but that never happened. Chase basically told me that they could do nothing to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Paypal account for years, today XX/XX/19I noticed a significant decreased on my credit score. After reviewing my credit report I found out that my Paypal account was reporting to the credit agencies as a credit card account. I contacted Paypal and was advised that they started it to report to the credit agencies since XX/XX/2019 ( This is the 1st time I see this account from Synchrony bank on my credit report ) According to the representative Synchrony bank took over Paypal. It shows on my credit report I'm over my credit line over {$500.00} and is affecting my FICO score. I told the associate over the phone I was never ever advised that I had a credit line for my paypal account or what my credit line was. She couldn't provide me with anything in writing, I'm at the middle of refinancing my current home and this significant hit on my FICO score will prevent me from refinancing. I just made a payment to bring my account under the credit limit.

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 2019-11-02 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2019 I sent Portfolio Recovery Associates a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Portfolio Recovery Associates did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Portfolio Recovery Associates and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Thank you in advance for all of your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
on XX/XX/XXXX I obtained line of credit from BANK OF AMERICA , N.A, with amount of {$250000.00} with account number # XXXX on XXXX bank of America breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia . 
on XXXX I filed chapter XXXX bankruptcy, and case converted to chapter XXXX unlawfully, and since trustee transfer all of my money from DIP account ( {$91000.00} ) to his account I was not able to pay BANK OF AMERICA LINE OF CREDIT since XX/XX/XXXX. 
and BANK OF AMERICA, N.A close that account on XX/XX/XXXX. first third party debt collector XXXX XXXX XXXX XXXX tried to collect # XXXX when they could not and find it was forclosure, then third party debt collector XXXX XXXX XXXX XXXX try to collect same line of credit with different account number # XXXX ( amount of {$160000.00} BANK OF AMERICA, N.A closed it on XX/XX/XXXX ) and under name of XXXX XXXX XXXX XXXX for amount of {$250000.00}. 
and after forclosure BANK OF AMERICA N.A transfer account # XXXX to XXXX XXXX XXXX, XXXX since both account is under one line of credit agreement and both closed and breached and passed statue of limitation. by forclosure and transferring it to debt collector XXXX XXXX XXXX, XXXX BANK OF AMERICA, N.A caused a lot of harm and damaged financially and mentally to I, and my family, I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX complaint several time at least 11 times and they ignored me. third party debt collectors finally without any court hearing all hearsay and with different case laws that are not related to the case without any facts or evidence with deceptive action, got judgment against I, and my husband ( he is not party in alleged debt ), to foreclose my home stead property with a line of credit that was breached and passed statue of limitation. alleged case : XXXX at SUPERIOR COURT OF THE DISTRICT OF COLUMBIA, BANK OF AMERICA, N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX V XXXX XXXX XXXX, XXXX PLAINTIFF ( S )

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 2019-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am a custimer of Citizens bank. 
I attempted to make a bank deposit via an ATM at the citizens bank branch where i reside and before the money was deposited, i pushed a return cash button because i realised i need extra cash with me. The machine did not return my money and didn't credit my account. 
I filed a complaint immediately and although the manager promised i will receive my fund within 24hours before the money would be returned, I did not get any money. 
About 9 days later, the original amount was credited to my account and all seem well. 
I was surprised today when i made a deposit to my account and found my balance negative after the deposit. I called the customer care and the lady told me the bank withdrew the money they had earlier deposited after concluding their investigation. 
So the bank took my {$70.00} in my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-02 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Long story short I had already filed a complaint when they closed my account months ago because of a mistake I made and did not have my payment set to min payments monthly but pay full balance. When they payment was attempted to pay balance of around XXXX in full my bank froze the account and charge. When PenFed finally saw my complaint here after numerous attemptes to plea with support and share what happen was a mistake I was contacted by XXXX at the head of Pen Feds Fraud department to let me know they had made a mistake and were opening up my account.It was about 2 weeks later when I went to log back on and my account was closed again??????? 

I contacted XXXX and explained again what happend. He said the my account was closed because a dispute was sent and I explained I had a fraud alert and credit repair/monitor companies that monitor and request proof of any suspicious items. I told him I did draft a letter stating to the 3 bureaus that Pen Fed charges were accurate and to please report accordingly. He looked over my file and letters and said he saw what I was referring to and I should have access shortly to my accounts. Ether this  was a lie or they changed their mind as I still do not have access and both cards are shut down. 

In good faith I have continued to make payments but have to call in each month to do so and is just super inconvenient and the whole situation is just UNFAIR. I NEVER MADE A LATE PAYMENT AND HAD THE HIGHEST CREDIT POSSIBLE. When I call in now everyone is hush and just says sorry we cant talk about it : (

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 2019-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
I paid the debt in full on XX/XX/2019. I was told it would take a up to a month to remove the derogatory mark on my credit. I have waited patiently and yet the mark still remains. I need this mark removed as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I completed a transaction over PayPal. I sent an amount of $ XXXXUSD to a man named XXXX XXXX . The agreement was he commission some art for me and I pay him half of the total amount up front and the other half upon delivery. The timeline was to be six months. After six months I have not heard from the man. I have attempted to contact him via email ( his email is XXXX ) to no avail. I attempted to request a refund via PayPal. I opened a case and it was almost immediately denied. It was denied do to it being outside of the 180 day guarantee PayPal offers. This situation is unique because the agreement with the seller was six months. I can not escalate the issue with PayPal and I am frustrated. This man has  scammed me out of {$150.00} and I want it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
On XX/XX/2019 I sent Second Round Sub , LLC a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Second Round Sub did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Second Round Sub , LLC and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Than you in advance for all of your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: VA

Complaint narrative:
I filed an initial dispute with credit reporting bureau Experian sometime ago regarding an a XXXX credit card account number and balance appearing on my credit file. At the time i did not have evidence to support my claim. I mailed payments to the bank which issued the credit card for XXXX ( XXXX XXXX ) in which my payments were returned along with a letter from XXXX XXXX ( See uploaded documents ) stating there was no record of an account bearing my name or SSN. 

Time went by and I circled back to resolve this and mailed disputes to all three Credit reporting bureaus, XXXX, Experian, and XXXX however, providing the supporting evidence of my dispute. XXXX completed their investigation ( See uploaded documents ) and agreed the account number does not belong to me and deleted from my file. In addition XXXX updated my report to reflect the correct account number as " Paid as Agreed, closed at Consumers request ''. XXXX is still investigating however 30 days is coming fast. This complaint is about Experian who was the first to respond within weeks. To my surprise the never investigated the matter along with supporting evidence, they dismissed my dispute as frivolous ( See uploaded Experian letter 2-sided ) because I filed a initial dispute which as i stated i did not have any supporting evidence.

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 2019-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A checking account was fraudulently opened online with my information back in XX/XX/2019. I reached out to Bank if America right away to resolve and have closed. I sent an affidavit, proof of identity to them in XX/XX/XXXXand still have not received any response from them refarding the resolutiin other than them threatening to report negative information to XXXX XXXX and tge credit bureaus. They have been in receipt of my dispute since XX/XX/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