vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 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/XXXX, I attempted to withdraw a {$1000.00} two times at Bank of America XXXX XXXX, XXXX XXXX, CA XXXX. It gave me an error message and did to allow me to withdraw money. 

On the same day I went to B of A XXXX XXXX. XXXX in XXXX, CA XXXX. I attempted to withdraw {$1000.00} and error message was I exceeded my daily withdrawal limit. 

when I checked my account online {$1000.00} was dedcuted from my account and it showed ATM withdrawal at XXXX XXXX. I called customer service of B of A and they issued a temporary credit of {$1000.00}. 

On XX/XX/2020, the temporary credit was reversed. On XX/XX/XXXX I called B of A spoke to XXXX employee # XXXX and he advise me that the findings was that the transaction I had at B of A in XXXX XXXX is valid and they took the {$1000.00} back. I explained to XXXX no money was dispense. I asked if he can send the full document and error messages and most importantly to send me the video that I took the {$1000.00}. XXXX advise me that as per B of A their case is closed and nothing they can do. If I want I can get my own attorney and file legal action.

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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
I have a checking account with Charles Schwab. On XX/XX/XXXX, I noticed that almost {$15000.00} in unauthorized transfers had occurred in my account. I have no idea who made these or how it happened, and I called Schwab Customer Service. I was told they would initiate and investigation and I had my account completely locked down so no one could access it. I spoke to an account representative in the Investigations Department on XX/XX/XXXX and he said he would contact me again on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not heard from him. I have called Schwab several times between XX/XX/XXXX and XX/XX/XXXX, and my calls are never returned and no one is explaining anything to me regarding their fraud investigation ( if one is even occurring ). I have been advised by an attorney to notify the CFPB 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
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a account from XXXX  on my credit report that was removed and now reaped on my report with a incorrect date and should be removed as it was removed by the company before

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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Contacted Bayview Loan Servicing, my mortgage lender on XX/XX/XXXX or XX/XX/XXXX to request a 12 mos payment history. Rep advised me it would take 48 hours. It was right before XXXX XXXX weekend so I expected it may not be done till Monday or Tuesday. I called in on XX/XX/XXXX and was advised by the rep that it would be available on the client portal XX/XX/XXXX. It is not and I have called in 4 times and been put on hold and hung up on. 

My financial adviser needs a copy of it for a refinance and I have a limited number of days on the rate lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Its been 10 business days already and I haven't received my XXXX debit card

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I signed up for a XXXX  XXXX  XXXX   credit card back in XXXX  XXXX for and was adversities as 0 percent no interest credit card until balance is paid in full. Online they made you sign up for the card and setup auto pay and everything but never remember agreeing to a service where I am charged XXXX fro every XXXX dollars charged for a card security fee. for over a year they have been charging me plus interest. total sum of more then XXXX dollars on a XXXX purchase and we only used the card to make one purchase the bed at 0 percent. I checked my statement for the first time to see how much my balance was and we noticed this charge coming up every month plus interest. the customer service rep informs me when I sign up for the application I automatically enroll in this program and need to contact them to cancel. 

First I never even knew I was signing up for a service or agreed to something like that and the sales rep at the store never mentioned anything about a service fee if you sign up to have your bed financed If I knew it would cost that much extra I would of just paid in cash in full. 

The. company is.refusing to round my account for any of it because I agreed to the fees when I signed up for their 0 percent financing because something on the application was check marked saying I agreed to it.

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 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: DC

Complaint narrative:
I am a federally protected consumer and I am requested validation of the alleged debt with Caine and Weiner. The document was received on XX/XX/2020 and I have not received a response from the company regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One XXXX XXXX XXXX is not reporting on my Credit report. Loan and detail are not on any credit bureaus report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to the pandemic, I was laid off from my job in XX/XX/2020. I called Fifth Third Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XXXX and XXXX of XXXX, I was reported 30 days late to the credit bureaus. I am still currently in the program and have met and continue to meet all of my obligations under the program. I immediately called for help with this situation. I was advised that notes would be taken and someone would look into the situation. To date I have not returned to work, nor has this been resolved by Fifth Third Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MI

Complaint narrative:
I have been charged so many fees for the cards I have and I was not informed if the fees. I am asking for a refund of the fees and statements for all accounts in my name under my Social Security number.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: AR

Complaint narrative:
XXXX  AND XXXX  HAVE A UNAUTHORIED CREDIT FREEZE ON MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Amos Financial LLC
State: FL

Complaint narrative:
On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The loan was sold to XXXX XXXX  on XX/XX/XXXX. We made monthly payments to XXXX XXXX. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with XXXX XXXX subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by XXXX XXXX. On XX/XX/XXXX we received a letter from Amos Financial LLC informing us that we owe {$63000.00} for this loan. We sent Amos Financial a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by XXXX XXXX  and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Thank you for taking the time to review the complaint. 
After reviewing credit reports in depth. XXXX XXXX 's third-party debt collector continues to collect a debt that is no longer owed due to the statute of limitations and currently established with XXXX XXXX. Requesting emails and different types of attempts ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called both the creditors and Transunion to get some incorrect hard inquiries removed off my credit report, first creditor , XXXX  XXXX XXXX, told me they could not help me and there's nothing they can do about an inaccurate inquiry ; i called back a second time and they bounced me around 8 times and eventually hung up on me. The second creditor to the other inaccurate inquiry simply will not answer or return my calls or emails. I turned to TransUnion to help get these removed by phone and they told me I have to get a letter of deletion and they have to mail it only to get them to delete my inquiries which is not what the website says and I believe they just lied to me. They told me to contact to the creditor because it's not their issue to deal with. I can't believe this is a credit bureau in America. The inaccurate inquiries I need to be removed are as follows : 1. XXXX XXXX XXXX - Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX 2. XXXX - Institution Information XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/2019 I think this was fraud or credit pulls without my permission, i don't have any products with 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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/2020 After giving PNC three months and five opportunities to resolve an authorized debit, I am requesting your help.

At first it appeared that the situation was handled appropriately, my account was temporarily credited, a new debit card issued and transaction dispute initiated.

From that point on I received the same PNC dispute form three times, no response to my letters, with no specific employee or department assigned to handle my issue. I then contacted the merchant myself.

Upon calling the PNC contact number I inquired where to forward information from the merchant stating that they have no record of a transaction from my account and was advised not to, only that they would re-open the transaction dispute and send the same form.

It appears PNC has not used any of their fraud investigation resources  and has no intention of doing so. Attached please find all my previous correspondence. As of today, I still have not received a response to my letters. At this point I wish to recover the {$99.00} fraudulent debit and be done dealing with PNC forever. 

Thank you for your time, ________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been a customer of Synchrony Bank since my first Belk card in XXXX. Since then, I have maintained several Synchrony Bank cards ( Amazon, PayPal, Lowe 's, Belk, TJMaxx, Dick 's Sporting Goods, JC Penney, Old Navy, XXXX XXXX, Sams & XXXX XXXX XXXX ( XXXX ) with payments always over the minimum requirement with sometimes two payments per month. I went to make a small purchase at XXXX on Saturday, XX/XX/XXXX & was surprisingly declined & found out from the store clerk that the account had been closed. We also were making a small purchase at Lowe 's & was also declined. Lowe 's looked up my account on another  register & discovered the account had been closed. After I became concerned, I called Synchrony/XXXX first & they told me the account had been closed on XX/XX/XXXX. I received two letters today -- one regarding my JC Penney account ( attached ) & a letter ( attached ) regarding my Synchrony / Conn 's account ( with a {$7000.00} limit ) which has been paid off since XXXX. Synchrony / Conn 's stated that they closed my account due to non-use. Not only has this caused a severe inconvenience, but it has also seriously impacted by credit score. This past XX/XX/XXXX, we made large payments to some of these accounts to ensure the balances were lowered. I have worked very hard to establish my credit & feel my credit on these accounts should be reinstated. These cards have not been abused in any way, some with little or XXXX balance.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
NOTICE ACCOUNTS THAT I NEVER OPENED ON MY CREDIT REPORT WITHOUT MY CONSENT

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 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had a friend deposit money into my PayPal account on XX/XX/2020. The transaction ID was XXXX he does a lot of charity work so it was posted by the state of Arizona XXXX because thats his business account. He deposited XXXX $ into the account and PayPal froze it. I had it deposited into the account to pay bills. I purchased a PayPal debut card so it would be easier to pay my bills online or over the phone with the debit card. I have only had 3 deposits on PayPal. I dont use it to buy or sell things. I realize PayPal is not a bank but if they have a debit card that you can get why would they freeze my money so that I could no longer use it? I am not interested in having my account back I just want to be able to transfer my funds into another mobile banking account. They are saying it will take 6 months for them to allow me to tansfer my own money into an account. Im behind on my bills already and Im about to get evicted. Please help me any way that you can. PayPal is not letting up on my account being unfrozen. I have never done any type of fraud or anything wrong for them to do this to me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I entered in Federal Rehabilitation loan that paid all loans in XX/XX/2016. I was assured that all negative Student loan payment history would be deleted from my report if I agreed to the repayment plan. I have not missed a payment since I signed up. My Balance is XXXX and all my accounts are being paid on time. I would like all the the late payments and delinquencies from XXXX XXXX to be removed from my Credit Reports.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I entered in Federal Rehabilitation loan that paid all loans in XX/XX/2016. I was assured that all negative Student loan payment history would be deleted from my report if I agreed to the repayment plan. I have not missed a payment since I signed up. My Balance is XXXX and all my accounts are being paid on time. I would like all the the late payments and delinquencies from XXXX XXXX to be removed from my Credit Reports.

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

Complaint narrative:
I entered in Federal Rehabilitation loan that paid all loans in XX/XX/2016. I was assured that all negative Student loan payment history would be deleted from my report if I agreed to the repayment plan. I have not missed a payment since I signed up. My Balance is XXXX and all my accounts are being paid on time. I would like all the the late payments and delinquencies from XXXX XXXX to be removed from my Credit Reports.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$7700.00}, {$2800.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -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