vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a PayPal credit account and I am being overcharged. Every month I have paid all standard purchases made along with a portion of payment towards any promotional balances. I have always paid the minimum amount or more to avoid any fees for standard purchases and promotional balances that are expiring. I have not made any purchases for months and months on the account. I have 1 promotional balance remaining of XXXX and yet PayPal -synchrony bank is charging me XXXX to pay off my account in full. I have tried to resolve this issue for over 2 months. The initial representative tried saying I had a standard balance owed but after reviewing the account agreed that I have paid those charges each month and more. She stated my balance should be corrected and was being sent to the resolution department. I waited with no contact back. Called and was told to allow 2 billing cycles which it has been. I tried online chat who gave me run around and the wrong number to even call for help. Today I demanded a supervisor. I was placed on forever hold for 30 minutes and an 'account manager ' tried giving me the run around. I demanded a supervisor..she claimed a request for a call back was submitted and to allow 7 days! The selection I made on this site doesn't fit my issue specifically. I'm going to be writing a letter as well. The account manager was not helpful at all!

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I went to the PNC bank to get a duplicate card. I sat for 45 minutes and watch the bank teller help other customers who basically ignored me. He began assisting walk-in customers who came after me and left before me. I am XXXX with a support animal and I felt that I was overlooked and treated unfavorably. In addition, I am a XXXX female. He decided to come back to me 45 minutes later after checking out his walk-in customers stating that the machine is broken and that the bank manager apologized and that my debit card will be expedited shipping and gave my support animal a toy. I left the bank and was upset and did not show it really. I received an email two days later on XX/XX/XXXX confirming that I received my debit card. I called the bank 's online customer service and the female inform me that my card will come on XX/XX/XXXX. 

On XX/XX/XXXX when I noticed my card was not in the mail I contacted the PNC bank again. I said the whole story again what happen and how I received an email confirming that my card was given to me on XX/XX/XXXX and I never received it. She told me that she spoke to her co-worker XXXX and gave me a reference number # XXXX that my card is expedited again and will be delivered by Tuesday XX/XX/XXXX. 

I found out on Saturday XX/XX/XXXX that my card was used! The PNC customer service rep fabricate that my card was expedited on Friday was not true. I called online bank and the customer service person was very disrespectful towards me. He acted egregious and I had to basically fabricate that I was at the police station and need to speak to a supervisor. He did not feel that it was not an emergency that my account was not secured and my card was used by someone. He finally put an online manager on the phone. She stayed on the phone with me until I reach the bank location to stop any false transactions with this card and change the card. 

The wait was about 40 minutes until I was called. I request the bank manager he never showed his face. A lady assisted me and she gave me a new card and then found during this time the person who used the card did not get any money from the account. 
I did speak to the Escalation department she listen to what I had to say respectfully. However, the XXXX PNC bank manager called this a mistake downplaying what is advertised as a secured bank and making excuses for her employees. I do not feel secure and my concerns are swept under the rug. Why did the bank fabricate that they expedited a card twice and it never happened? The email states they gave my card to me when it never happened is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I deposited a check in my checking account via mobile deposit with Chase bank in the amount of {$2100.00}. The check was issued from XXXX XXXX XXXX  XXXX  due to an old mortgage account that I closed in XXXX. I made the deposit on XX/XX/XXXX. A hold was placed on the account. The hold was supposed to be released on XX/XX/XXXX. I called Chase on XX/XX/XXXXXXXX  to inquire about releasing the hold. I was transferred to the fraud department. I was told that the check was not able to be verified by XXXX XXXX XXXX bank, however, they did NOT say that the check was not paid. The representative questioned me at length about how I came in possession of check and so forth. I was accused of trying to deposit a fraudulent check. The representative said that my account would be closed on XX/XX/XXXXXXXX  and any funds in the account would be forwarded to me via check. As of today, my account shows an available balance from that check in the amount of {$1700.00} dollars that I am not able to access. Nor have I received a check from chase. I am still in possession of the check as it was made via mobile deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2023. Capital XXXX bank pulled my credit report without my concern and knowledge.Same issue happens on XX/XX/2023. These XXXX inquiries by XXXX was done without my knowledge.The credit inquiry listed below is unauthorized and I have attempted multiple times to contact this company directly to have them remove them and havent received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to reinvestigate my dispute with 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 non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
An account was opened under my name ( XXXX XXXX ) and my email ( XXXX ) at the neo-bank Chime Bank. I had never heard of the bank before and had not signed up for anything with them. I received a new member bank card in the mail from them with instructions to activate it. I was at once confused and wary. 

Shortly after I was notified that the phone number and account information for the account had been changed. I have not at any time had access to the account, but I was still getting updates to things happening with the account, including deposits and messages. 

I emailed their support email to get the account closed and recieved multiple messages back asking me to confirm the email associated with the account. I knew what email was associated with the account because this was the email all of the chime bank updates were coming too ( XXXX ). Each time I emailed them the information I was met with a new email -with a new name in the email signature- asking for the same information again.

I ended up calling their help line where the representative ( who did not give me their name ) told me the only way to close an account will be to give them the last 5 digits of my social security number and full name. I told them I never gave them that information so it wouldn't match their records anyway and that this seemed scammy enough that I was hesitant to provide such information. Even my legitimate bank has never asked for more than the last 4 digits before. They said they found my account but could not close it until I confirmed the social security number associated with the account. I asked them if they could remove the email from the account since it was not my account and I had not opened it. They told me again they could only do that if I gave them my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I've been caught in the relentless grip of Blackwell Recovery, a company that seems to have forgotten the essence of communication and fair play. 

I've written to them, not once, not twice, but multiple times, each letter echoing the same urgent request : validate the debt. Yet, all I've received is silence. A deafening silence that reeks of negligence and disregard for fundamental consumer rights. 

They haven't just ignored my requests and missed their window to validate the debt. By law, they must return my debt to the original creditor. Instead, they continue to hold onto my debt as if it's a trophy of their indifference. 

This isn't just about money ; it's about principle. It's about standing up against arrogance and apathy. Their actions are profound, not just on my finances but on my peace of mind. 

I implore you, Consumer Financial Protection Bureau, to intervene. To step in where Blackwell Recovery has stepped out. To bring justice where there is only injustice. To remind them that the rights of consumers are not just words on paper but living, breathing principles that deserve respect and adherence. 

I demand action. I demand justice. I urge the return of my debt to the original creditor. This is not a request ; it's a necessity. 

Thank you for your immediate attention to this matter. I trust that you will uphold consumer protection principles and take swift action against this flagrant disregard for my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I believe wells Fargo owed me back money on overdraft fees and insufficient funds fees I was charged from the bank when I actually did have the money in my account to cover the charges wells Fargo said the covered the charges because I didn't have the money in my account. And that was 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 explanation
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

15 U.S.C 1681 section 602 A States I have the right to privacy.

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than XXXX years. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2023-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I was approved for a XXXX personal loan from Santander Bank ( loan # XXXX ). Since I didn't hear from anyone on XX/XX/XXXX I called the number on the initial correspondence XXXX XXXX  XXXX At that time i was advised that my loan processor was XXXX XXXX XXXX. After speaking with XXXX XXXX, he requested my drivers license and my passport which I scanned for him. After that date I didn't receive any return calls. On XX/XX/XXXX I again called and spoke with XXXX XXXX who stated that I would have to re-submit my credentials, which I did again. 
After receiving no call back on XX/XX/XXXX I called and spoke with XXXX who stated she will let XXXX XXXX know that I called. No call back. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX XXXX after I initiated the calls. 
On XX/XX/XXXX I spoke with XXXX XXXX stated XXXX XXXX was not available. 
On XXXX and XXXX I complained to XXXX about no calls from XXXX XXXX and they hung up the phone. 
On XX/XX/XXXX, I received an email that XXXX XXXX withdrew my loan application without consulting with me or explaining the reason. 
I then went to my local bank and was told that they can get me a loan at 11.74 % which is a payment of more than XXXX per month. 
BAIT AND SWITCH!!!!!

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 2023-08-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I lost my card on XX/XX/2023, as well as my XXXX. It never has a lock on it as my FaceID was not working correctly. I noticed I lost my phone right away the night before, went back to where I lost it, it wasn't found. I was wearing gym shorts with shallow pockets and the card, but didn't realize my card was missing as it was also in my pocket along with my phone. 

I noticed big amounts were taken out from my card from a company in a matter of an hour or two that morning called XXXX in the amounts of {$140.00} and {$730.00}. 

I contacted Chase ( my primary bank ) and they promised a resolution over the phone within 10 business days, and got sent a new card out immediately. This was XXXX XXXX XXXX, it is now nearly a month later. They temporary credited the amount- but it is still in a dispute process which I believe they have yet to attend to. 

I contacted chase a second time because the dispute was doubled on the {$730.00} charge to {$1400.00} - but they credited back {$730.00} instead which was helpful along with the {$140.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have contact all three major reporting credit bureaus and the company reporting the account advising the account and information reported is in violation of 15 U.S. Code 1679c. The account has been disputed numerous of times and has not been removed from my credit report. This company reporting the account is being unfair and attacking my livelihood. It's a defamation of my character and violate the retention of compliance records for age of reporting. The close account should no longer be on my credit report according to the federal government code listed above.

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 2023-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have a loan serviced by a loan management company, not the loan originator. The Loan management company is Rushmore Loan management XXXX Rushmore Loan Management Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to pay down a large portion of the loan principle to RECAST MY LOAN and reduce my monthly payments. I am told by the customer service rep that Rushmore will not reduce my payments but that I will pay the loan off earlier. ( by 7 years ). 
I need a lower payment, not an earlier payoff. 
I asked them for the language in my loan agreement that prohibited a recast of my loan payment based upon a reduced principle amount. I was told there was no prohibitive language in my existing agreement. 
Cn we make them agree to reduce my payments if i pay down my principle by {$100000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-21 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: WA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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