vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
A CareCredit account was fraudulently opened on XX/XX/XXXX. Someone stole my wife 's identity ( name, address, social security number and birthdate ) and used that information and my wife 's good credit history to open the account on the CareCredit website. On XX/XX/XXXX, a second user was added to the account and the mailing address on the account was changed. My wife was never contacted for either of these transactions. In XXXX, XXXX the second account user was able to charge more than {$10000.00} of XXXX XXXX services to that account. Again my wife was not contacted. Monthly statements were sent by Synchrony Financial throughout all of XXXX to a person with my wife 's same name but to the address which was fraudulently added after the account was approved. My wife was never contacted for payment at the address originally used to open the account. Synchrony was never paid and they wrote off the account in XXXX, XXXX and sold it to a collection agency. Again they never contacted my wife. In XXXX the third party collection agency sent a collection letter to our home address ( the address originally used to open the account ). We immediately opened a fraud investigation at both the collection agency and Synchrony. Synchrony informed my wife by letter on XX/XX/XXXX that the investigation is closed and she is absolved. On XX/XX/XXXX my wife sent a letter requesting a copy of the original account application plus documentation of all subsequent account changes. We have the post office 's return receipt dated XX/XX/XXXX showing Synchrony received this request. We have called Synchrony 's customer service, fraud and investigation department dozens of times and been assured we would receive the requested information within 60 days. That time is now past. Yesterday when we called again to see why we have had no feed back, we were informed by the Synchrony Investigations department that this information sometimes can not be provided " for security reasons ''. I also made a request for feedback on the CareCredit website on XXXX XXXX and have gotten no response from Synchrony. I was previously informed by the Synchrony Fraud team that Synchrony would not prosecute the perpetrator of this fraud, despite that fact that they have her name and address. They will seek to recover their loss under their fraud insurance coverage. Synchrony 's actions in allowing this credit to be approved, amended for a second user and then go uncollected without ever contacting the person whose identity was used has resulted in a deterioration in my wife 's credit history with all three bureaus. In addition, their refusal to provide the requested documentation is preventing us from bringing the perpetrator to justice.

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 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have a never used American Express Prepaid Rewards gift card number XXXX expiration date XX/XX/19 CVV code XXXX valued at {$20.00}. When I attempted to use it at XXXX XXXX it was declined. They were told the card had a XXXX balance. I called XXXX and entered the card information three times and each time I was told the card had a XXXX balance. The card agreement states the value of the card does not expire. The card does not expire until the end of XX/XX/2019. When I called and spoke to a person I was told the card had a XXXX balance but I have never used it and it has not been out of my sight since it was mailed to me. 

At this point I believe I am a victim of fraud. I received the gift card as a rebate for a sale made with XXXX XXXX XXXX which I can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP
State: MI

Complaint narrative:
When I was called to XXXX XXXX my home was moved from XXXX, Oh, where Keybank is located, to XXXX, MI, WHERE NO KEYBANK IS ANYWHERE NEAR. I made sure to caps the previous statement because it's 100 % the cause of the fraudulent charge I've encountered. I called Keybank to close my account after drawing all the funds out of the account. I had no access to go to Keybank as it was over 2 hour drive away. I called he first time and nothing was done to close my account. I incurred charges because I removed all the money from my account. I PAID the first round of fraudulent charges, I again called KEYBANK to close my account when it was YET AGAIN at XXXX. Once again nothing was done on Keybank side and once again overage charges were encountered. This account should have been closed PRIOR to the charges TWICE! this was fraudulent twice. Not to mention I was SERVING OUR COUNTRY. I will not pay this charge, as it is fraudulent. Just to point out, your system is glitching, it would not allow me to Input my last 4 of my ss # so I put the last four as the account number. THE ACCOUNT NUMBER I ENTERED IS MY LAST FOUR, I DO NOT HAVE AN ACCOUNT WITH KEYBANK AS THEY CLOSED THE ACCOUNT AFTER FRAUDULENTLY CHARGING ME TWICE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: HI

Complaint narrative:
If you read their print, they charged {$0.00} service fee for each transaction we made online. If we make payment via telephone, they charged {$10.00}. I've dealing with other company like XXXX, I understand if company charged via phone call because they want to lower the labor cost. However, charging us {$0.00} each time we make payment is not fair at all. Comparing to how small my loan is, I feel this act is completely rip off and I do not appreciated that. I do not know how other students handle this but I've never heard any loan collect company do this. If possible, transfer my loan to XXXX so it is easier for me to make my payment and view my account. Their website is really out of dated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was notified of 2 hard inquiries on my credit report both dated XXXX XXXX that were not known about or authorized. Syncb/amazon and syncb/XXXX. I called the bank for both and they said they couldnt pull up anything on their end with my 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 2019-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I inherited a combination of stock and cash in an IRA my father had originally with Merrill Lynch, later with Merrill XXXX. After selling all the stock so that the account was fully in cash, I elected to have a trustee to trustee transfer done, to bring it to a local branch of a bank for ease of management. ( I also moved other inherited IRAs in this manner, from other sources, without the difficulties encountered with Merrill XXXX. ) The trustee-to-trustee transfer should have moved 100 % of the inherited IRA to the new bank. However, once the funds tranferred, there was a difference in the amount of the ending balance and the received balance at the new bank setting. I checked into it with Merrill XXXX and was told ( for the first time ) that they withheld a fee of {$49.00} as a brokerage charge. They explained that the next brokerage might refund that to me, but they charged this without any previous explanation. I informed them that there was no longer stock in the account and that the receiving bank was not a brokerage firm. I contacted their Customer Service/Complaints division with phone calls and a letter, dated XX/XX/19. I requested that they send a check for the {$49.00} directly to the bank. 

I checked with the receiving bank, and this check has not arrived. I have heard no more from Merrill XXXX than an initial acknowledgement of having received my complaint. As I stated in my letter, I believe it to not be a legally defensible practice to " charge '' me an unannounced brokerage change fee, when the IRA was being fully removed from Merrill XXXX -- simply transferred to a bank for investment in a Certificate of Deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I've had an account with USAA Bank since the age of XXXX. I was recently going through a divorce and I had some issues with law enforcement in my area. And the end of XX/XX/XXXX I was XXXX  and with me went my banking information my wallet my phone and all my personal belongings. In order to bond out of jail I released my property and my property was to be taken to the bondsman. There is no permission for anybody to use my personal information nor should it had been assumed. My property was supposed to be released and given directly to a bondsman. Instead my personal information was taken by way of my cell phone my driver 's license my social security card my banking information. Several debits were taken out of my account money transfer Etc to tune of about {$1400.00}. I live on a very small social security check that's all I had. Upon being released on XX/XX/XXXX XXXX I immediately notified USAA and they did reverse the charges for a few days and then took it back. They claim that I was negligent. Well I think negligent is it's your fault. It is not my fault I was stolen from. That is the entire amount of money I had for an entire month. I went hungry. I show them proof that I was incarcerated and could not have been me I showed them where he signed my name to do a money transfer. I was met with ignorant people. I wouldn't wish this on them. Because I went hungry I went without power in my house. It was the most cruelest thing somebody could do. Due to my Banks reaction of me being negligent the sheriff 's department decided that they probably didn't have to pursue charges. How is it you are stolen from on Social Security XXXX wrongfully XXXX  and you can't do a XXXX thing you can't even get your money back. It is not your fault and you still can't do a XXXX thing. I would like to explain to me because I did not give him a debit card number I didn't give a PIN number I didn't give him permission it is in black and white that there was no permission. I enjoyed being USAA All Those Years and we're talkin 33 years for them to do that to me. I can't see how somebody could Forge your name and get away with it I guess he did but it doesn't matter you can help me with I sure would appreciate it. Thank you so much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is a high end alcohol and drug treatment center located in the XXXX XXXX serving the XXXX XXXX. We bank with Chase. On Friday XX/XX/2019 I checked the operations account and saw a withdrawn by XXXX XXXX. That was odd. XXXX does not have an XXXX XXXX card. I checked with staff to see if unauthorized someone had tried to pay their XXXX from the corporate bank account and no one took responsibility. I reported it to Chase and Chase returned the money on Saturday. On Saturday there were withdrawals from XXXX XXXX, XXXX XXXX XXXX, XXXX Phone Pay. XXXX has no relation to XXXX, as stated, and we have no relationship with XXXX XXXX XXXX or XXXX either. Chase credited those back but when there were more debits Friday XX/XX/XXXX by XXXX XXXX. We do have a company XXXX XXXX card but these are not our charges and when we pay that card we pay online not by phone. We reported those illegal withdrawals as well and received attached letter from Chase that says " We determined that it's a business to business electronic payment. '' They say they can not remove the transaction and we should contact the business that initiated the transaction as if we knew which business it was. " I did contact XXXX XXXX and they said Chase needs to do the research as they can not identify the source of the fraud without a Chase investigation. As the business is out {$2400.00} from these illegal withdrawals and I called CFPB. The fraudulent XXXX withdrawals both say " XXXX XXXX PHONE PYMT. '' As stated above, when we pay the XXXX XXXX card it says XXXX XXXX CO ENTRY DESCR : ONLINE PMT. 
We have a consistent payment history to demonstrate our method of payment for our XXXX card is via WEBSITE.Thank you. XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, Chase bank made an unauthorized claim, and an unauthorized deduction of {$300.00} form my account, I opened a claim for it, later on, I received a letter indicating that while the investigation goes on they are going to place a temporary credit of {$600.00} on my account while they research the transactions that I reported. However, this {$600.00} did never showed up in my account. 

In XXXX, Chase bank made an unauthorized deduction of {$300.00} our of savings account and {$270.00} from my checking 's account, this unauthorized transactions resulted in having my account in the negative numbers, as a consequence of this deductions I could not close my account and I have been charged with overdraft fees. 

I have also been mistreated by the personnel of Chase bank when I went to ask for an explanation. 

I want to clarify this situation, and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
A company calling itself 'XXXX  XXXX ' called my son and left a message about a debt they say I owed. I called the number and they said they were collecting for Capital One. 

1. They had my previous name. I was married 7 years ago and they had my previous last name. 

2. They had my Social Security Number. 

3. The website for the REAL XXXX XXXX has a warning about an imposter using their name to try to get money. 

4. According to Capital One my credit cards under that previous name were paid off. 

5. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Was at Bank of America today at XXXX. ( XXXX and XXXX in XXXX XXXX ) We asked our daughter to meet us there as we wanted to add her name to the safe deposit box. We were told that we had to have an appointment to do this. The bank was empty and they said no one was available to help us. The manager could not help us and another worker refused saying she is unable to assist us. WE felt that they simply did not show any interest in us. We are preferred customers at this bank. The bank owes us an apology. The whole process would have taken 15 minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I became aware that my Equifax credit score fell 32 points. The report update provided online indicated that it was because a XXXX XXXX  XXXX account was closed between XX/XX/XXXX and XX/XX/XXXX. I panicked and confirmed with the bank that no accounts were closed ( and I have no credit cards with this bank ). I did realize that around that time, my debit card was updated with a new expiration date into XX/XX/XXXX but the account info/numbers etc were not changed. The bank says this is an account update not a closure. 
I logged into Equifax, providing all my personal information and filed a dispute. Within days I got an email saying I could view the results by clicking on a link provided - I did, once again providing all my personal information to log in. It said that it could not show me the results and to call XXXX XXXX XXXX The people at Equifax ( and I have called 3X to confirm this ) say - they can't provide me with the dispute resolution UNTIL I provide them by fax or snail mail - a copy of my Drivers License, my Social Security card and my passport. I have no intentions of sending anyone these items. And they repeat they will or can not give me the results of my dispute any other way. 
I can log into my account with all of my personal information and answer questions about my life 's history, but they will not let me view any dispute resolution results. 
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have two collection accounts listed on my credit report for XXXX XXXX. I have never had an account or contract with this company. This collection account is reporting a past due amount ( not possible because there is no contract and no payment schedule ). They are also reporting a payment history on a collection account that is re-aging this debt. There should be no payment history listed on a collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Per previous complaint XXXX. Which was resolved, with conditions of GM Completing tasks to finalize my servicing needs. GM Financial has not upheld their original promise of removing the late reporting for XX/XX/2017 and XX/XX/2017. These 2 months still show as delinquent. GM financial should have removed these items given GM Financial was going through a chaotic system update which hindered my payments from being processed correctly. This is a violation of the fair debt collection act as creditors are supposed to allocate to principal a d interest before any late fees, GM Financial applied my payment to late fees and left my principal and interest still showing due. At the time I received a payoff {$250.00} excluding late fees in which I paid XXXX and again GM Financial violated the FDCA by applying that payment to late fees only. This needs to be rectified, as these erroneous late reporting have caused difficulties in obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Company is extremely rude, used threatening language, hangs up on caller. Spoke with XXXX a ext XXXX. Hung up on me and said that my credit would be impacted indefinitely. Never received anything in writing regarding dispute because the address entered into their system was incorrect and they refused to send any documentation regarding my debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A couple time I asked to prove which method they used to verify the information and they never send me any documentation proving how they find out or method used. by law they need to provide. but the never did. On XX/XX/2019 Report # XXXX. I asked and they respond accurate information. XX/XX/2019 Report # XXXX. Same respond. XX/XX/2019 Report # XXXX. Same respond. The account need to be deleted by law. Because the process was incorrect. I was able to fix the situation with XXXX without problem. They can not verified and they deleted the account. 

Account Number # XXXX ( Experian and 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