vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTER XXXX   BANKRUPTCY DISMISSED XXXX XXXXCHAPTERXXXX BANKRUPTCY DISMISSED XXXX CHAPTERXXXX BANKRUPTCY DISMISSED 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 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I received a notification from XXXX Credit monitoring that a collections account has been placed in my file. Paragon Revenue Group had opened two collections accounts one in the amount of {$3200.00} and a second for {$230.00}. At no point have I ever received notification from Paragon Revenue Group, either via the phone or through the mail, that I have any outstanding debt with any medical provider, furthermore I have not had any treatment or service outside of a single routine doctors visit in the past 14 months, for which there is no outstanding balance. 
I have written to Paragon Revenue Group, at an address that I found online, requesting validation and removal of these collections. Given that I have never had any correspondence with Paragon Revenue Group, or anyone else, I do not have account numbers or other information in which I can base this validation request on beyond my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a zero annual fee XXXX XXXX Rewards card with Bank of America in XXXX of XXXX. 

On XX/XX/XXXX, I found that I have been incorrectly charged a {$39.00} annual fee every year since opening the card. 

I have spent a lot of time and effort on the phone with several Bank of America employees and supervisors trying to get the {$310.00} I have incorrectly paid in fees over the years refunded, but each attempt has been unsuccessful. 

In addition, I was told on my several calls that the BOA XXXX XXXX card only became 0 fee on XX/XX/XXXX XXXX a lie ) and that I would be refunded XXXX of the annual fees I've paid ( confirmed by supervisor XXXX to be a lie ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 I was notified via text and email to a charge Bluebird Fraud Free Msg : Did you try to charge {$150.00} on Card ending XXXX at XXXX XXXX Reply 1 if Yes, 2 if No, STOP to opt out. XXXX and my response was No because this charge was being done out of XXXX Florida as my current location was XXXX Florida where I work and XXXX Florida where a reside. Therefore that was not me. So I did call XX/XX/2020 to find that my card was used in another other state on the same day totaling $ XXXXXXXX XXXX XXXX  {$63.00} and 3 transactions at XXXX XXXX XXXX  {$120.00} {$210.00} {$180.00} {$140.00}. How was this possible but this definitely was not me and I didn't authorize any of this transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE
State: UT

Complaint narrative:
On XX/XX/20 I received a text from Huntington alerting me that my account was overdrawn. I do not use Huntington as my primary account and it only exists because it was the local bank in Ohio. 

I immediately logged into my Huntington account to see where the charges came from and noticed that I had funds in excess of {$100.00} going to XXXX. I called Huntington Bank after seeing the charges and after several attempts could not reach anybody. The IVR system kept sending me to the wrong location and when I finally did get the right pathing I was informed that the office was closed. 

I had the card in my hand and it was not physically lost or stolen but I could not stop the transactions from happening online. I now have an overdrawn account that I have no intention of putting funds back into as I can not reach a customer service representative for such an egregious problem. I understand that the holiday was the XXXX but to not even have a fraud department open is unacceptable and highlights the ineptitude of the company as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JTM Capital Management, LLC
State: AL

Complaint narrative:
I have submitted several request to have the debt with XXXX XXXX XXXX validated as mine, I have written this company on 3 or more occasions with one being more than 4 more ago with no response. The first letter was written on XX/XX/2020 with no response mailed another letter on XX/XX/2020 no response and I have recently mailed a 3rd letter on XX/XX/2020 there has been no communication from them in regards to this matter, this credit entry on my credit file is making it hard for me to obtain credit at a reasonable rate and if they can not verify the debt it should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
On XX/XX/2020, Rushmore Loan Management sent a letter stating my FICO credit score was below 720 based on a FICO score obtained from XXXX. My HELOC was suspended immediately. I requested an investigation and the HELOC was reinstated when on XX/XX/2020 when Rushmore 'pulled ' a FICO score and credit report stating the FICO score is XXXX. For context, the XXXX score is unchanged from XX/XX/2020 when I provided a copy of the FICO score to Rushmore after its letter stating my score was below 720. My credit history did not materially change in 2020 to warrant my score increasing by 3.5 % ( say XXXX to XXXX ) between XXXX and XX/XX/2020. 

On XX/XX/2020 I wrote to Rushmore to provide evidence of the FICO score Rushmore obtained on XX/XX/2020 from XXXX. To date, Rushmore has not provided me a copy of the FICO score it obtained from XXXX. Moreover, XXXX  has no record, nor any other credit reporting agency have any record of an inquiry on my credit report to obtain a FICO score on XX/XX/2020 by Rushmore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I've attempted to connect my PNC bank account to XXXX  and was told I was no longer able to. I also attempted to connect my account to my XXXX XXXX  account to transfer funds and I was not able to connect it either. This has been a reoccurring trend with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my XXXX  send me money with Cash app.according to their written statement money should be available 1-3 business days. 
App said it would be available Friday XX/XX/XXXX. On that day inf.said it would be available XX/XX/XXXX. Yesterday it stated it would be available Tuesday XX/XX/XXXX. 
I contacted them and their reply was generic. They are trying to charge XXXX $ For instant cash. 
This is not acceptable XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
My mortgage was sold from XXXX  XXXX  to freedom mortgage since then I have tried contacting freedom mortgage about documents and information about removing my escrow and refinancing my loan. I keep getting the run around. Ive asked why my mortgage come up another XXXX a month and the reply I received was my taxes rose and to contact the town I live in can u please help me with my issue thx out 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 2020-07-06 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: U.S. BANCORP
State: MA

Complaint narrative:
attempted to make a payment through the app and was locked out due to ridiculous security measures. Attempted to pay online and was also locked out of account. Had to call several times to be able to make my payment and now they have reported a late payment on my account. I have had the account in good standing for over five years with never missing a payment and when contacting company, was told they could not help me. I have never received a credit increase offer from this institution and their lack of understanding in the middle of this covid crisis is abysmal. I am irate with the business and ask that they remove the only missed payment from my credit report over over 300 on time payments. I have since payed off my balance on this account and am strongly encouraged by these actions to close the account and never use this institution again.

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I need send money for emergency but i can't

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid off my balance in full and capital one is still charging residual interest. my bill was due on XX/XX/XXXX I paid off my entire statement balance XX/XX/XXXX and I check this months bill and see that I had an interest charge. They claim its a valid charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged for smoking in a hotel room in XXXX nevada. I was not smoking I made a dispute with my credit card company and they acted in bad faith and failed to investigate or anylze any evidence. 
I was unable to make a dispute during covid per Chase 's guidelines. I did so online by pdf and fax. I was never credited to my accound and I never smoked in the room. The hotel never provided any substantial proof. It is all hearsay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my 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 explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Good evening, I bank with Branch Banking and Trust ( BB & T ). I am XXXX and only receive around XXXX a month. Since XXXX, I have not received any money from my XXXX checks because the bank continues to take them every month. I haven't been able to eat, pay my bills, or even put gas in my car. My account was hacked every month, right before the XXXX of the month, including this month ( Since XXXX, around the time of the start of the Corona Virus ). My bank stated that they were giving me a XXXX dollar crises payment of which I desperately needed. 29 days later they took their XXXX dollars back out of my account without notifying me, or asking my permission. A crises check if used for a criees, and no one told me, which the bank claims they did, that they were going to turn around and take it back. I even switched banks to XXXX XXXX and they still stole my money this month. I can not go another month without food, paying my bills and car insurance. I notified them that someone deposited a check into my account, cashed it, then did a stop payment on it which left me account negative XXXX dollars again this month. They did nothing about it and told me I was responsible. I'm XXXX years old and haven't used a check since my XXXX XXXX. I'm not the only customer that they have a relief find to and turned around and took it back when it was supposed to be a relief fund. Please I can not go another month without food. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my 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 explanation
Consumer complaint received 2020-07-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results have not abused by these laws.

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 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was charged {$150.00} for smoking in a hotel room in XXXX New Mexico. I disputed the charge via email and pdf with barclays purusant to their guidelines and was never given a credit or any updates. They acted in bad faith and did not investigate this charge. I was not smoking in the room and the hotel has not shown any proof that I was smoking in the room. It is conejcture and hearsay.

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I received a notice from Citibank that my account has been blocked ( both checking and savings ). I called the next day and was informed that my account was under review. I was instructed to call back during between XXXX and XXXX EST to speak with the fraud department. I was originally told that my attempt to XXXX money to myself at another bank resulted in my account to be flagged as suspicious activity causing my account to be blocked. On Monday the XXXX, I called back 3 times and each time I was instructed to call back again. On XX/XX/XXXX I called back and was told that I would need to call back. Finally on XX/XX/XXXX, Citibank unfroze my account and restored online account access. 

On XX/XX/XXXX, I also wrote two checks to myself. One to my savings {$1100.00} and another to checking for {$22.00} from the other bank since I could not XXXX the funds. These two checks were submitted to Citibank through their mobile app. Because I was informed that my account was " block '' I would not be able to access my funds I placed an immediate stop payment on these checks. 

After my account was unfrozen on XX/XX/XXXX, Citibank removed my account from online access and blocked the account again on XX/XX/XXXX. I called back that day to inquire about the status of my account and was placed on hold by the representative and left for over 15 minutes. Additionally, this time there was no notice. 

I called the customer service department on XX/XX/2020 to inquire about my account and was told that my account has been blocked and the funds have been frozen. They were unable to provide a reason as to why this was the case. I advised the customer care rep that my paycheck will be direct deposited on the XXXX and I was inquiring about accessing those funds. His response was that those funds will be frozen ( $ XXXX ) and inaccessible. I would need to contact the fraud department again. 

Additionally, Citibank sent an email providing me access with my statement dated for XX/XX/2020. The statement ( can be provided upon request ) does not provide any explanation or notice as to why my account has been blocked or even if my accounts are active. I do have online access but it is only for my credit card account that they have and I can not relink my checking or savings accounts online.

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