vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX card, issued 5th 3rd bank N.A., as an XXXX payroll card for XXXX XXXX XXXXXXXX XXXX, and various other dba 's. XXXX, my XXXX, is associated with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. The previous XXXX payroll card, for XXXXXXXX XXXX XXXX- was the XXXX XXXX XXXX, the XXXX card issued by XXXX XXXX XXXX XXXX Both are the payroll card for XXXX XXXX XXXX. On XXXX, a merchant placed a a hold on my account for $ XXXX I called the card service number when I saw the email come in- they cancelled the XXXX XXXX and mailed me the XXXX XXXX - they have continued to hold my funds, from a transaction, with there so called merchant - whom I had XXXX XXXX way call XXXX XXXX card services today. I have tracking and claim info- I do not have a XXXX account, in addition they would not hold funds longer then 30 days - this has been over 90 days. XXXX " wants to hold my funds and conduct an investigation '' I have heard the most out landish things when I call XXXX- in addition, the one thing that is predictable they / XXXX- is always changing there story. They are also bully like. In addition they are also related to global cash whatever that is- so XXXX XXXX XXXX XXXX XXXX XXXX, fifth third bank NA-? Today XXXX and I were told- that, they would mail me a letter, aftter XXXX XXXX the email alert for a transaction that a merchant was able to place holds on my funds - was on XX/XX/XXXX XXXX I called shortly after the email ; came in. This XXXX XXXX XXXX seems to be like a platform/ stack, for banking and card services - I offered in past to call merchant with XXXX, this has been on going since XXXX- they have refused. So I called XXXX and we 3 way called them - XXXX refuses to acknowledge - that I have been told, several different things, dates my funds would be replaced, and were not, even rather threatening saying they would hold my funds for the longest amount of time, 90 days, now 90 days - they want to blame the so called merchant, and, my funds have not been returned. I was also told on XX/XX/XXXX, they would block the merchant and hence the new card and account. Yet the famous dispute dept. - and you never know if its XXXXXXXX or XXXX who is gon na answer the call - now they are blaming the so called merchant- and will send me a letter? I want my funds - I am also going through the card statements - and the description of the merchants they have altered - in addition had the nerve to bill me for a subscription service that bills to a different card - obviously XXXX XXXX has a counterpart and someone is able to get access to a different account I have - from the treasury-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have disputing with CapitolOne two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX XXXX XXXX  and Capitol One. Capitol One asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX XXXX XXXX at Capitol One.I have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted CapOne with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX XXXX and XXXX and still nothing. 

Please investigate as I need Both charge off accounts for Capitol One needs to be Removed!! 

Thank You, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, I have a credit card account with Bank of America which for many years is set to auto-pay with my bank account without issues. 

Bank of America unilaterally changed the due-date of my credit card payment sometime in XXXX of XXXX and the following events happened : 1 - Late charges were posted to the account for XX/XX/XXXX, XXXX XXXX 2 - The card limit was reduced from XXXX to XXXX almost exactly the amount due 3 - My card was reported as delinquent to the credit bureaus 4 - My credit score went down and stayed down even though I paid any amounts past-due I called Bank of America customer service and the agent informed me that the due-date was changed in XXXX and suggested that, since due-dates don't change automatically I must have requested the change - I did not! and submitted a regular request for a credit line increase. I tried to talk to a supervisor but none was available. 

I heard from friends and colleagues that they also received a letter reducing the credit limit from Bank of America so I wonder if this is a systemic problem with Bank of America 's cards. 

Despite several frustrating calls, I truly struggle to understand why Bank of America would treat a long-time client like me so poorly.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion received an update from the Department of Education today, claiming that my past due balance had increased {$1.00} ( one dollar ). For that information TransUnion reduced my FICO score 55 points. The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. I have attached the most recent payment that posted to my current service provider on XX/XX/21. Showing that the notice Department of Education is purposely inaccurate. This repeated abuse is damaging and its only purpose is to cause injury.

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 2021-03-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed 2 account that I do not feel are accurate, nor has the company ever provided proof to me that this debt is owed! The first time I disputed this through the credit bureaus was XX/XX/XXXX. I disputed again on XX/XX/XXXX because I didn't receive anything in the mail from the bureaus. It is XX/XX/XXXX and I still have nothing from anyone! No investigation has been started, no verification was given by the creditors or the bureaus and no response was sent to me, electronically OR through US mail!. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
I C SYSTEM INC at XXXX. XXXX XXXX XXXX XXXX, MN XXXX has been sending me collections notices in the amount of {$640.00}. Account # : XXXX. This collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've disputed this account in the past, they did not provide me with any type of verification leading to the account being removed from my XXXX  and XXXX. But XXXX is still reporting it as debt.

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 2021-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: VA

Complaint narrative:
I wish to complain about the harassment I'm being subjected to by New Day Financial LLC, XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. I have asked them repeatedly to stop sending me solicitations for refinance of my VA mortgage to no avail. On XX/XX/2021, and on XX/XX/2021, I requested via their web site ( https : //www.newdayusa.com/contact ) they stop sending me correspondence. Today, XX/XX/2021, I received yet another solicitation from them. I request your assistance in stopping this harassment.

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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi guys hope everything goes well! 
i have some problems with PayPal and this kind of problems happened every time i have such a big amount in my PayPal account! 
and this problem happened to me again in the XXXX of XXXX they send me email said that i wont be able to access to my account or withdraw my funds until 30 days of the limitation Email! now its more than30 days so i contact them they said they have the right to stole my money and i wont be able to have it until 180 days although they said in the Email i will have the money in only 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On Tuesday XX/XX/21 the debit card came in the mail from Chase Bank. 
A checking account was opened fraudulently online in my name on XX/XX/21. 
XX/XX/21 called closest local Chase branch and reported this. Also made an appointment to close the account on XX/XX/21 at the branch located at XXXX XXXX XXXX. XXXX, PA XXXX. 
XXXX to XXXX XXXX ( Lead Associate Operations ), she took my debit card, gave me a printout of what exactly I am to do next ( call all 3 reporting agencies, record case at www.identitytheft.gov, and advised me NOT to file a police report, which was a red flag to me ) XXXXcalled main Chase corporate office, spoke to XXXX at XXXX XXXX. Found out what date the account was opened and on XX/XX/21 the account was opened with {$0.00} another transaction on XX/XX/21 was for {$150.00}. I asked for a printout of all documentation in regards to paperwork signed to open the account and a statement of the account. She could not provide me with that, she transferred me to another department. That representative would not send me a statement or any supporting documentation of the account being opened. 
XX/XX/21 filed a police report at XXXX XXXX XXXX Police Department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

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 2021-03-09 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: FL

Complaint narrative:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX XXXX with GM Financial. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to GM Financial. Unfortunately, GM Financial reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a GM financial customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
A XXXX request of {$470.00} was taken out of my account from XXXX XXXX, phone number XXXX. Multiple requests to get said money back were declined by the other party. I called my bank ( Chase ) to see about reversing the transaction but they said they couldnt. My bank said that since the transaction is through XXXX and it was same as cash I would have to contact the other party to try to receive it back. Long story short unless the money is directly coming from your account or directly through the XXXX app neither organization can reverse the transaction. Sounds simple but I guess its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I already submitted a complaint on XX/XX/2021 thru CFPB XXXX and I really appreciate for your quick response to my situtation with Specialized Loan Servicing. I already got a proposal from them and I am pleased that my Foreclosured got postpone to XX/XX/2021 to have time to review my situation. I got a proposal to modified my loan and to get a lower payment. But this proposal is asking for me to give upfront funds as down payment in the amount of {$16000.00} which I don't have that kind of funds. I had funds 2 years ago for a settlement. But this present time due to Covid-19 I was impacted drastically with my financials. I have no way to give that kind of funds. I really want to keep my home but need to reconsidered this proposal. If they can deferred the down payment to the end of my loan I will be able to pay the new monthly payment their offering. But their is no way I can come out with {$16000.00}. I am attaching a copy of this proposal

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 2021-03-09 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2021 I received a notification fromXX/XX/XXXXand XX/XX/XXXX that SYNCB/PayPal pulled my credit report. I have a PayPal account that I rarely use and I have never applied for credit with them. I logged into PayPal to see why this may have been done. They do not have my SSN so I am concerned as to how they were able to do this. I want to note that I am opted out of prescreened credit offers as well. I called PayPal and spent one hour trying to resolve the matter. I was bounced around many times until finally someone stated they do not know why this was done. They do not have any credit applications for me. They suggested I submit a complaint via PayPal 's website under " Resolution Center ''. I tried to do that. When I tried to " report a problem '' it gives me a list of transactions I've conducted. I'm not trying to dispute a transaction! I'm trying to find out why they ran an inquiry on my credit without my permission and without my SSN. I've tried finding an email address through their website but have been unable to. The experience with trying to get this resolved through PayPal was absolutely horrible and the entire situation is unacceptable. I am in the process of disputing it through the credit bureaus.

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 2021-03-10 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 am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have inaccurate accounts, and unauthorized inquiries.

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a balance of less than {$900.00} and I was charged {$520.00} on XX/XX/2021 INTEREST CHARGE ON PURCHASES

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2021 someone accessed my checking account thru XXXX and put a payment through of {$260.00} to a XXXX XXXX. I DO NOT KNOW THIS PERSON. I DID NOT MAKE THIS TRANSACTION! I contacted Citibank immediately and told them about this. I filed a claim over the phone with Citibank. Since this was fraud, I thought my money would be put back into my checking account right away. That did not happen. Since that date, I have made numerous calls to Citibank Claim Department telling them I need to have that money returned. I just called again today and asked for a Supervisor. The Supervisor put me on hold and the call was disconnected. They never called me back. I am irate. I NEVER use XXXX to send money! I want the {$260.00} returned to my account immediately! I Will Not continue to wait to get my money back. I had to report to you because I am not getting anywhere with Citibank.

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