vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
My credit was run by the following companies without my knowledge : XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX   XXXX XX/XX/19 XXXX XXXX XX/XX/19 Onemain XX/XX/019 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX/XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX XX/XX/19

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried on numerous occasions, both online via several Equifax online programs, paid and free services including but not limited to my.equifax.com,  Equifax Lock and Alert, Equifax premier, and via numerous telephone conversations to have my credit file unfrozen. I have spent numerous hours on the phone daily with Equifax and continue to get the run around from various representatives and supervisors and no one can unlock my credit report file due to an internal error. Their only solution is to email support as their is no one higher they can physically call. I have been unable to unfreeze my credit file nor have any representatives from Equifax for the past week.

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: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Transaction involves PayPal and PayPal Credit ( Synchrony Bank ). Funds were transferred from PayPal to PayPal Credit on XX/XX/2019. There is no option in the transfer process for the payer to designate how the funds are to be applied. A call to PayPal Credit on XX/XX/2019 started the process of re-allocating the funds to where I wanted them applied. On XX/XX/2019, nothing on my PayPal Credit account had changed. Not even a sign that something was in process. A call to PayPal Credit connected me to someone named " XXXX. '' obviously a nom de plume as he was probably located in XXXX. When he was unable to give me any logical information other than the change could take up to 60 days, I requested to be transferred to a supervisor. That got me to XXXX, who was clearly upset that I was bothering him. He again told me that it could take up to 2 months for the change to happen. I told him what the problem was and he seemed to just keep repeating that it's the way we do it. Potentially this delay could cause interest to be charged to my account. He told me that if that happened, it would be rectified. Probably taking another 2 months ( Conjecture on my part ). This is utterly ridiculous in an age where banking is done 99 % by computer. Previous re-allocations have take 4 days to 7 days to occur. This is obviously a major failure on the part of Synchrony Bank. I am just one person with a payment of about {$260.00}. How many others are they causing this grief to on any given day. If they can't handle simple transactions in a timely manner, perhaps they should get out of the banking business and into something less complicated, like basketweaving.

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: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened an account online with Chase Bank in the early part of XX/XX/2019. It was a product called " The Secure Checking Account ''. About one week into my newly opened checking account with Chase, I called the bank to find out what my account balance was only to find out that my account has been frozen by their Loss Prevention department and without any explanation. The customer service representative then transferred me to the Department that made the decision to close my account so that I could get some information as to why it was being closed. When I finally got someone to answer the call, I asked them why is my account being closed because I didn't have a negative balance and I had bounced no checks since my account had been opened. The response had been that the account was sent for a review and the decision has been made by the bank to close your account. That was the only answer that I received from them. The bank refused to give me a valid reason for this unjustified and extremely unprofessional way of handling my new account with them and to treat me in such a way that made me feel like I was a criminal of some kind. I even asked them for the reason that made them decide to close my account so abruptly, and the only response that was given to me was that they would not tell me the reason why it was closed. The Bank refused to give me a valid reason for the closure of my account and they went on to further tell me that I will never find out why this was done. My account was in good standing while it was opened and it was never negative or never had I bounced any checks during this time. This is completely unfair, unjustified, and completely discriminatory of them to do such a drastic and harsh thing to me, and not even get an explanation or any kind of reason for this closure. This is definitely not right and I feel like I was totally singled out and picked on by the bank for no valid reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
The original owner of account is XXXX XXXX. I got notification from XXXX XXXX just recently that the account was SOLD to Midland Funding. This company buys debts for pennies on a dollar and attempt to collect full debt. I have asked them to delete debt because I never signed a contract with them which means I don't owe them any money. Why would I pay the {$550.00} when my credit limit was only {$200.00}. Midland Funding is reporting inaccurate information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
The original owner of account is Comenity Bank. I got notification from Comenity Bank just recently that the account was SOLD to XXXX XXXX. This company buys debts for pennies on a dollar and attempt to collect full debt. I have asked them to delete debt because I never signed a contract with them which means I don't owe them any money. Why would I pay the {$550.00} when my credit limit was only {$200.00}. XXXX XXXX is reporting inaccurate information to the credit bureau.

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: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Hello, I had found tickets to the XXXX XXXX XXXX being listed and sold through XXXX XXXX. I reached out to the seller on Friday, XX/XX/2019 at XXXX about a price and what form of payment they would accept. They suggested PayPal and gave me the email address XXXX. I then used PayPal for the transaction and sent the amount of {$60.00} ; however the seller then informed me that he did not have the tickets. When I reported the scam to PayPal and asked for them to cancel the transaction, my case was denied ( Dispute Case ID : XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used my Bank of America debit card to withdraw cash from my checking account at a non Bank of America ATM machine on XX/XX/2019. Before dispensing the cash there was a message on the screen reading, " there will be a {$4.00} fee deducted from your account for this transaction, if you wish to continue press yes '' so I agreed to the {$4.00} transaction fee and continued with my withdraw. A few days later, when I looked at my checking account transactions online I noticed that Bank of America has charged me 2 other fees in the amount of {$2.00} each totally {$5.00} for each withdraw. 
I had made a total of 5 withdraws on that date so there were 10 charges on my account for {$2.00} each totaling {$25.00}. When I called the bank, the representative told me that there's a {$2.00} fee to put your debit card inside the machine and another {$2.00} fee to take it out!! Unfortunately the fee I had agreed to was the {$4.00} that was on the screen but in reality I was charged {$9.00} per withdraw. I asked the agent to please reverse these fees since I only agreed to the {$4.00} and had I known it was really {$9.00} I wouldn't have taken money out or gone to the bank 's ATM. She only reversed 2 of them. so I ended up paying {$40.00} in fees to make five withdraws from my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am under Chapter XXXX, which includes a co-signer stay. Citibank was reporting 30-days late each month. This was not accurate due to the Chapter XXXX. I tried to contact them multiple times with no luck. I opened an investigation with the 3 credit reporting companies. As a result they are now reporting in collections/charged off every month. It should be reported as Chapter XXXX/Wage earners plan as I am making payments as my other loans are showing and not being marked negatively each month due to the stay. They are reporting the same on my co-signer 's report. This is significantly hurting my credit report.

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 — Information belongs to someone else
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I disputed ownership of this account over 30 days ago, and this is not my account. The reporting agency stated that because the company says its valid, ; thats it!! Im not satisfied with that answer, and frankly thats not an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$760.00} was taken from my account in two transactions ( {$380.00} x2 ) by a man named XXXX XXXX. He claimed to be selling concert tickets through a ticket exchange site on XXXX and used XXXX for the transaction. He sent another person 's driver 's license photo and e-mail confirmation as his own without that person 's knowledge to act like the tickets were real. The amount is currently still processing in my account, but I would like to try every step possible to make sure these amounts don't go through. This occurred on XX/XX/19 XXXX and XXXX PST ( two separate transaction times ).

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
On XX/XX/2019 zocaloans debted XXXX from my account and it posted on my account the following day on XX/XX/2019 on XX/XX/2019 I received a email from them saying they have not received my payment I called them with the bank ref # and provided email copies of a bank statement showing it was taken and paid on time the rep continued to say that is false I also stated to revoke ACH auth on my account and I will pay online or by XXXX XXXX the rep stated that he couldnt help and to email him the written request I have proof they have taken my money and are trying to scam me out of my money I need them to remove me from ACH payments and also post the money that they took from 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
On my credit report it states that i have an outstanding balance of {$2000.00} owing to XXXX University from the time i was enrolled in early XXXX. I have sent them multiple letters and proof showing that the stated amount was paid by my financial aid and yet they still refuse to fix my credit report and every time i dispute it they confirm that it is correct .Ability Recovery Services, LLC XXXX Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Educational ; Client XXXX University XXXX Amount {$2000.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$2000.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX , XXXX XXXX PA XXXX : ( XXXX ) XXXX Department of Education XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Balance {$2100.00} Amount {$2100.00} Items As of XX/XX/XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXX 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
Consumer complaint received 2019-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened an account in order to get an online loan, I got approved but then realized it was a scam and called the bank less then 12 hour of the transaction., No withdrawal had taken place yet and told the bank i though it was a scam and to cancel the transaction and to lock the account completely. They locked the acct and they returned payment as far as I know then I received a substitute check that said to use as if it were the orginal., I thought cool it must of been good so I went and redeposited it they gave me some more money I think {$55.00} and then I never received any information of it not going through or anything. I assumed it was in my acct until today when I seen on my Equifax report a new collections.. for {$100.00}

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I had problems accessing my online banking I had notice that my password and username was changed numerous times and I contacted the bank of America coustmer service due to my checking and savings account showing a over drafted balance and I don't understand that my checking account and savings account was at a negative balance if in my savings account I had {$2600.00} balance and my checking account had a {$840.00} remaining balance but Bank of America coustmer service transferred me to the fraudulent department and they was supposed to dispute the charges and send me new debit card and due to my vehicle be stolen and my personal laptop was in the vehicle all my online banking was in my laptop and whoever stole my vehicle had access to my on line banking and cleaned my accounts out and stole my wallet so I was able to I was waiting for a debit card and never received one but I deposited a check into my account since I'm my brothers payee and they told me I have to add my brother on bring in two verification forms showing identity so I went in with my relative Brother XXXX XXXX and since I didn't have valid Identification Card ( ID ) the lady that was speaking to me told me come back when I get my identification card ( ID ) so time pass and I come showing a paper that I applied at Department Motor vehicles for renewal of my Identification Card ( ID ) and I was told my account was being closed my checking account and savings account I ask representative for what reason they said because I didn't add my relative on my account on time so practically I never was refunded my remaining balance that was in my checking account and savings account and I feel that that's not right and they lady told me that both accounts had no funds that on my online banking money was transferred I'm like how I was told no one can touched my online banking savings account and checking account unless we go into the branch office and show proof of identification card ( ID ) so I feel I was treated unfairly and want to know why both my checking account and savings account was closed and I never got my money savings account {$2600.00} and checking account {$840.00} and I will let social media know how I was not treated unfairly and to not trust bank of America because for me trusting bank of America my accounts was left at a negative overdraft balance and my funds was removed online and bank of America did not protected my accounts

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 — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I began paying off and paying down balances on ( 2 ) Capital one credit cards in XX/XX/XXXX. Including paying off total balance on 1 card on XX/XX/XXXX. The bill due date for this card in on the XX/XX/XXXX of each month. the Bill due date for my other card is the XX/XX/XXXX of each month. Capital one has stopped reporting to the ( 3 ) credit bureaus since I began paying down the balances. Capital one has also changed statement date online to further conceal credit score manipulation. Any month that these ( 2 ) cards had high balances or late payments the correct info reflecting such was reported timely to all ( 3 ) bureaus but all months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) in which balances were being reduced or completely paid off, the information was either reported inaccurately to the bureaus or not reported at all. This is blatent credit score manipulation in which Capital One actively and aggressively takes steps to keep consumers credit scores low. I have attached reports from all ( 3 ) credit reporting agencies to confirm this as well as screen prints from my account access with capital one. I have spoken with Capital one customer care on several occasions to resolve this issue and have been told each time that my updated account info was reported to XXXX, XXXX  and XXXX  on the XX/XX/XXXX of each month. My most recent call to them on XX/XX/XXXX i was then told that my account history was reported on the XX/XX/XXXX of each month. These have clearly been lies as confirmed by my attached documents of credit reports provided directly from XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that TD AUTO FINANCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This account is undoubtedly recorded as a charged-off account. Kindly also produce documentation to ensure all the charges and credits in this claimed account that drove to the quite high credit amount you might have indicated on my credit report. My request to supply this documentation is a standard information demand based on my privileges approved with the fair credit billing act. Please make sure you straight away eliminate this erroneous post.

Company response to consumer: Closed with explanation