vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: OK

Complaint narrative:
No contract with this agency. I do not owe this 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 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase states that a letter was sent. We never received one. The only way to prove that someone received a letter is to send it certified mail, return receipt requested. I will repeat, we received no letter. Without notice our credit limit was lowered. We have no late payment history. We have not been using our card and trying to pay it off. The credit limit we had reflected a 72 % usage. By lowering our credit limit, it made it so it is reflected that we have a 96.97 % usage. ***These exact numbers are from my XXXX  account which notifies me if there are any inquiries, etc on my credit report. My Wife and I WOULD NEVER use any card or product with this level of utilization because we know that this would be extremely damaging to us. By doing this it has caused a decrease in my Fico score of over 20 points. This was also done by Chase Bank to another card. The damage was not as significant as this. There are no negative items or excessive inquiries on our report to explain damaging a good  consumer and a customer like this especially in these trying times. We request that this damage, that appears to be deliberately done be reversed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is the bank that manages my California Unemployment Benefits Card. BofA blocked my card onXX/XX/XXXXbecause I returned a home appliance originally purchased with the card - the credit registered with them as fraud XXXX it is not ). My card is now closed and I can not access the {$10000.00} on my card. I have been on hold at Bank of America for 5.5 hours so far today trying to clear the issue. Their system has hung up on me over 8 times. I am put on hold for over an hour at a time, and then the BofA system ends the call - I have to call back in and start at the beginning of the process all over again. I asked to speak to a supervisor in the fraud department to try to get help and I was told the supervisors were all going into a meeting but someone would be back with me. That was over an hour ago. Bank of America is making it impossible for me to access my funds. This is honestly boarding on criminal and abusive treatment by the bank.

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 2020-09-23 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: OK

Complaint narrative:
No contract with this agency. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was sent {$11000.00} around XXXX. I cant get the exact dates because Suntrust has a temporary hold on my account and I cant access my statements. When my deposit came, Suntrust immediately put a hold on my account. Its been 3 months, going on 4, that Suntrust still has a hold on my account and have still not closed my account to send me my money in a check. I call every other week and they give me the same  response, We talked to the Fraud department and we cant give you any explanation other than there is still an on going investigation on your account. I asked them, why? My account STILL has yet to even be closed! That money was supposed to go to bills, my child, school, and I still have yet to receive anything but a vague answer. And they then go on to say my account is in a high end investigation meaning they grouped many accounts into different groups to investigate. The problem is, I shouldnt even be grouped with anyone else because my money was a money transfer. Please investigate this problem because I believe they are inappropriately using their power to hold onto many peoples money. Theres been a lot more people in my same situation with Suntrust bank.

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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/20 I applied for a loan my bank contacted me and said that there was a freeze on report with Experian. I first tried to call and I was directed to there web site. I have an account so I logged in follow the steps to remove the freeze. After completing I get a message that says something went wrong and to call XXXX number. I called the number it is an automated service I give the info they ask for and follow the props. and it just goes on and on no matter what I select in the end it hangs up with no resolution. So I tried to email several time with same results they want me to call a XXXX number that I have called. I need to speak to a person to get this issue resolved. There lack of response is a big problem for me not being able to get a loan

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 2020-09-23 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This request is with XXXX XXXX of whom I have received a " charge off '' code on my credit report. Please note, I am fully aware of my responsibilities of this debt and in no way shape or form am I attempting to suggest a settlement to clear the debt. It was not until the months of XXXX thru XXXX of 2020 my payments took on stand still given the financial hit that occurred outside of my control. Since before those months I have never missed a payment or had any reason to. During those months I was contacted by XXXX representatives whom I would ensure them that I am seeking possible debt consolidation and/or other means of payment given the current crisis and they implied " ok '' we will note your account. At no time was I aware that my account was going in negative status leading to a harsh score on my credit report. I was under the impression that the payments were either deferred and/or put on hold just as other debt collectors were doing at that time. In the middle of a new house purchase I was caught off guard and now even worse possible without a place to live. Since finding out I have paid the full amount to bring my account in current standings and am requesting the " charge off '' code be removed to continue payments in good standing. Although this has been investigated via the bank and noted as not being a bank error I am asking for understanding in this matter as I was not fully aware of what was taken place. My credit score was XXXX and dropped immensley to XXXX given this code. I ask for a fair chance at regaining my current status as it is in this matter. Please take this complaint into consideration as I have not unknowingly committed such degree. I have worked hard for my credit as it depicts who I am as a person and have been a committed civilian of the XXXX XXXX XXXX for over 10 years. Thank you in advance for even taking the time out to read this digression. 

V/r XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
No contract with this agency. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Our previous VA mortgage lender was XXXX XXXX XXXX. Our loan was placed into forbearance due to the pandemic. During this time our loan was sold to Freedom Mortgage. Almost immediately we begin to have problems with freedom mortgage. Several different departments begin to contact us and tell us that our loan was in forbearance And that our loan payments were late. We disputed this. Out of fear of misunderstanding and confusion we brought our loan to balance despite having 30 days by law due diligence not yo make any payments and asked that we remove the loan from forbearance immediately. They failed to do do so after three separate requests on recorded communication. They continued to contact us by email and phone calls for several weeks telling us that the loan was still in forbearance and that we owe them money with late payments. We then received a letter from Veterans Affairs stating that if we were having trouble making our mortgage payments that we should work with freedom mortgage indicating that freedom mortgage notified them of late payments when this was never the case. 

Meanwhile a Freedom Mortgage loan agent XXXX XXXX contacted us and told us that we were eligible to reduce our interest rate by law with our VA mortgage. We initiated the process for refinance. After several miscommunications XXXX XXXX stopped responding to our emails and failed to return phone calls with questions. We requested supervisor assistance. 
Then we were informed by an agent with freedom mortgage by telephone that our VA refinance was denied due to notice of late payments in last 30 days which was incorrect. 

We initiated over a dozen calls to freedom mortgage and emails requesting to speak with the escalation department and senior manager to resolve our problems. They failed to return our calls and no manager contacted us and they continued to provide us completely misleading information from multiple departments unable to answer any of our questions. 

As of XX/XX/2020, we have received no return calls nor any updated information regarding the refinance or status of our loan. Our agent XXXX XXXX will no longer return our calls or emails. We are unable to obtain any information from freedom mortgage at this time. 

We have initiated refinance and acquisition of our loan through another mortgage lender at this time.

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 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I pay XXXX XXXX/Citibank electronically on the XXXX of every month. Citibank charged me a late fee of XXXX $ and raised an interest rate to 21.99 %. I called today and they had a prerecorded message to reverse the late fee. My concern is buying cars/motorcycles on a credit card allows the bank to raise the loan rates. This is a predatory practice and the CFPB has an outstanding record of correcting these behaviors. Why didn '' t Citibank auto-correct the issue? They want fees and access to raising the credit card, which should not be allowed for new car/motorcycle 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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO Harris Bank gave me forbearance on my loan from XXXX to XXXX of this year. They also changed loan services and gave me a new account and now the servicer is saying that I made an XXXX payment and I have a late charge of {$510.00} with in fact I made no XXXX payment. Please see attached documentation. I can not get through to anyone at the loss mitigation department and when I called the new servicer they are extremely rude and tell me that I have to speak to BMO Harris Bank about the late fee on a payment that was never made due to forbearance which is documented. They also tell me that I need to write a letter to the research department to solve the issue when this is completely their problem. I know XXXX XXXX XXXX as I worked at the XXXX in DC during the XXXX XXXX and this is something seriously wrong. I helped create the CFPB for this very reason.

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: OK

Complaint narrative:
No contract with this agency. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NJ

Complaint narrative:
I have a card issued by XXXX for post adoption subsidy through the Eppicard service. I recently just couldnt use my card. I cant check the balance, nothing. I was referred to the fraud department and have not heard anything for a week. I have waited on hold for over an hour and still am unable to reach anyone to resolve this issue. There should be someone to help with issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to XXXX today ( XX/XX/20 ) as I've done several times over several years. But, today, when I went to pull the report from Transunion, there is a new *requirement* to provide my email address and phone number in order to get my credit report. 

These two pieces of information are not ( and should not be ) required to provide a credit report. 

I believe the company is using this information in order to collect more user identifying information about me to tie together for marketing or other purposes that benefit them. 

I'm going to the website that the FTC has said is the proper place to get a credit report, and I'm concerned that railroading people into providing *more* personal identifying information that is not actually tied to credit reporting is solely benefiting Transunion and not me as a consumer. 

This requirement should removed from XXXX immediately ( or at least be an optional field ) as I have the right to request my credit report without providing the credit reporting companies more personal identifying information.

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 2020-09-24 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:
Unauthorized inquires on my credit report that are not mine ... fraud

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 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc
State: MI

Complaint narrative:
Today the XX/XX/XXXX a girl i am friends with messaged me. She was portraying to have a new job that associated with bitcoin and she had now worked for the government, helping with CoronaVirus relief funds. she said if i deposited {$500.00} i would be reimbursed {$5000.00}. they made it very convincing with pictures of proof and everything. I then went to a XXXX ATM and deposited {$500.00}. I then recieved an email stating that my XXXX was pending in my account but i had to pay {$1000.00} to get the money out. I proceided to say i did not have {$1000.00} and they offered to pay {$500.00} if i paid {$500.00} as well. So i deposited another {$520.00} in case there was any Fee. Once this transaction was complete she told me that her agent would message me to get more info so the bitcoin would be deposited. A man so called named " XXXX '' asked for my ID, my Social Media account login, as well as my social security number for verification purposes. I was never compensated for the payments i provided. They hacked my Social media accounts and changed the email so i cant access them. They are minupliating hundreds of people and now they are using my social media account to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Without my authorization, on XX/XX/2020, XX/XX/2020, and XX/XX/2020, my PayPal account, which was directly linked to my bank account, withdrew {$990.00} in three separate transactions. These fraudulent charges, totaling almost {$3000.00} were illegally transferred to prepaid Visa gift cards. The scammers then converted the language to XXXX and changed the mobile phone number associated with my account. Neither the bank nor PayPal notified me regarding these transactional anomalies. I attempted to contact PayPal by phone, but was diverted to a live chat where customer service indicated that this was not an isolated incident and provided the above information, for which I have a screen shot transcript. When I pressed to have my money returned, PayPals customer service replied that they needed more time to further investigate the charges. After one week of going back and forth on chat, PayPal customer service then claimed that the, charges are valid. I emailed PayPals claims department, but my messages went unanswered. Using the chat tool, I asked to be escalated to a manager. Their response was someone would call me. I repeatedly asked for a direct number to their Theft and Fraud department. It too went unanswered. Frustrated, I sought help from my bank from where the money was stolen. The bank correctly determined that the three transactions were indeed fraudulent and re-deposited the funds back into my account. At that juncture, I assumed the situation resolved. PayPal had closed the message thread, but still had not followed through with any form of communication from either a manager or an  investigator. On XX/XX/XXXX, I logged into PayPal and discovered that I now have a negative $ XXXX. balance in my PayPal account. Again, I attempted to resolve this via the live chat, but all of my queries have gone unanswered. I am unable to close my PayPal account due to the ( now ), erroneous negative balance. I am concerned that this will adversely affect my excellent credit rating. PayPal has been uncooperative from the very beginning. This has cost me time - many hours spent attempting to resolve with PayPal and having to take time off of work to go into the banks branch to close the hacked account, then reopen a new account and cancel the credit card on file, money - cost of buying new checks and stress not only being hacked, but an uncooperative PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: TX

Complaint narrative:
I do not have knowledge of this debt, called and e-mail the company for contract or any documentation stating I signed the contract, but I have not received a response. 

BYL SERVICES XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported : XXXX XXXX, 2020 {$2400.00}

Company response to consumer: Closed with explanation