vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
In XX/XX/XXXX I started to struggle making payments due to a XXXX XXXX XXXX and limited access to my bank account ( which had also been drained by someone who had access ). Upon coming back I missed several payment showing on my credit in XX/XX/XXXX and XX/XX/XXXX. The company has since blocked me from making payments over the phone or online. They told me I must make them in person at the store or by mail for 6 on time payments. I was told this after going through countless customer service reps and being told different confusing things and not being directed to anyone who could tell me anything specific. I have since then made 6 on time payments and am still not able to pay online as I was told. The biggest issue with this I am I now out of the military and this is a military store. Theyve given the option of mail but its really out of the way and all Im trying to do is pay off my debt. They are intentionally making that more difficult and the customer service rep went as far as to tell me that it was punishment for missing two payments. This was already frustrating as prior to this I had made over {$300.00} payments for 7 months on min {$30.00} payment. I was already paying above and beyond so why punish me? And how is that their duty? This is suppose to be a military supportive store and theyve already reported my credit even knowing the common military situation I was in, so now I dont understand them intentionally making this more difficult and I have no base access to make these payments in person. I have attempted to call and have the issue resolved but am always sent in circles being told different things. I feel as though I am being prevented from paying my debt to them and they are quick to report these things. They take too long to give answers, if those even ever come honest or correct, and I am afraid theyll take so long I will not be able to pay on time. It feels that they are intentionally ruining credit and refuse to come to any resolution or work with Me. Any time I call I dont think Im able to connect with anyone able or willing to listen or help. I just want to pay my debt and be done with them for good if they would just allow 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 explanation
Consumer complaint received 2019-03-31 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am the owner of 3 small assisted living facilities in XXXX XXXX, Texas and I am forced to purchase appliances with alarming frequency. All my purchases were bought from XXXX/Synchrony Bank. On XX/XX/XXXX I bought an electric dryer for {$1800.00} from XXXX/Synchrony bank. I was given 36 months no interest on account invoice # XXXX. I never requested nor was I ever given a Credit Card but this account number had been used for all previous purchases. I made monthly payments of {$150.00} from XX/XX/XXXX via my security service acct. Paid acct in full on XX/XX/XXXX. In XX/XX/XXXX I  received credit card by mail # XXXX, noticed monthly payments of {$150.00} being put on this new card along with late fees, interest charges etc. Card was never activated. Called XXXX and in spite of my protest they insisted that I called in a lost card, so they sent replacement. They refused to merge the 2 cards into one and continued to report to Credit bureaus that I am now 180 days late on payments. I sought services of XXXX/XXXX  of XXXX XXXX ( see letter of XX/XX/XXXX ) to Synchrony Bank, but got no favorable response. Received statement from Synchrony dated XX/XX/XXXX with new escalating balance owing in the amount of {$890.00} and a new account # XXXX assigned to my account. No new Card was received. Clearly, this company is practicing Credit Card Fraud and has singlehandedly ruined my superb credit. Apparently this devious company has no intention to correct this complex situation. I am unable to obtain credit to build a new assisted living facility. I am a XXXX XXXX  who provide XXXX XXXX XXXX to the XXXX and infirmed through State Funded Programs. Bought a 2.3 acre property to build an up to date spacious facility for my elderly residents. We are now crammed in 3 small homes and the residents pray each day that Synchrony Bank can resolve this issue so that they can live out their last few years in comfort.

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 2019-03-31 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have spoken to the creditor ( BELK ) in regards to this matter and to no avail the matter still hasn't been handled. My complaint is in regards to the original creditor ( BELK ) selling my debt to a third party ( XXXX XXXX XXXX, XXXX ) in which the original creditor and the third party both are reporting the exact same debt to all three credit bureaus. This is a double infraction on my credit reports. I want the original creditor ( BELK ) to delete these accounts from all three bureaus since they sold the accounts to XXXX XXXX XXXX, XXXX on XXXX. Please find correspondence letters from BELK the  original creditor attached.

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 2019-03-31 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Attempted to get Credit report from Equifax. However they can not give it to me since I do not know anything about 3 debts that I never took out and no other credit report has asked me for. Specifically these are : 1. A student loan in 2016 ( I was XXXX at the time. A simple date check in their system should prevent this ... ) 2. A home loan at XXXX  ( I do not own a home, I actually lived with my parents at XXXX   and was a dependent on their taxes ) 3. A installment account at XXXX ( I have never opened or heard of such an account type until now ) Since they are the private version of the XXXX   social credit score they do not have niceties like customer service or the ability to protest beyond this form. So here it is.

They want me to send my personal documents in the mail to them. This is not free and in violation of the credit act that requires this information to be available to americans once per year. Unlike XXXX ( which does not have bad info and is in compliance ) you can not dispute the credit report verification if all the information is incorrect ....

Personally after going through this experience I feel that the american dream of freedom has truly moved to XXXX Sadly I can not emigrate there coming from XXXX  and all.. : - (.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Received {$2200.00} credit line but when attempting to make a purchase of {$1000.00} it was consistently declined. Since I do not have internet access at my home I asked a friend to sign me up to XXXX XXXX. So if that an influence in their decision I thought I had made that situation clear to the Customer Servicer Rep. However Pay Pal Customer Service offer no explanation of rejection of payment other than it is not possible to make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: NC

Complaint narrative:
I called on XX/XX/19 to have my account closed and the line of credit closed with this company. I was told at that time that it would take up to a month for it to process. I called again on XX/XX/19 to verify that my account was closed and it was not. The foreign customer service rep said he would forward my request only after interrogating me for my desire to close the account at all. 

I would like for my account to be closed per my request as soon as possible. My account balance isnt paid in full and I no longer need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019 I went to Capital One brunch in XXXX XXXX to transfer {$3200.00} from my checking account into an XXXX XXXX XXXX account. Capital one requested a {$40.00} fee for doing the transfer. Capital one has an intermediary bank, which converts the United States dollars into XXXX dollars. This intermediary bank took another {$20.00} fee. In additional to those fees the transfer rate which they gave was absolutely ridiculous. If they simply transferred the XXXX to XXXX bank XXXX the rate would be XXXX XXXX = XXXX, which would be equal to {$4500.00}. 

By Capital one using the intermediary bank to convert XXXX to XXXX  and then giving it to XXXX XXXX, I ended up with only {$4200.00}, which is more than {$200.00} less than what I should get.

1 WHY DID THIS TRANSFER TAKE SUCH A LARGE FEE?

2 WHY DIDN'T THEY SEND THE UNITED STATES DOLLARS STRAIGHT TO XXXX XXXX?

3 WHY DID THE CONVERT USING AN INERMEDIARY BANK OF CAPITAL ONE?

4 WHY IS EXCHANGE RATE SO LOW?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was called on Saturday XX/XX/XXXX at XXXX am and answered the phone since it woke me up. The lady I spoke with had a heavy foreign accent I advised her to call at a more reasonable hour next time or I would be reporting them. I received at call at XXXX and at XXXX on a Sunday during religious services. Neither calls were answered but I was advised that XXXX are not allowed to call at those times on a Sunday since they are unreasonable hours. In my opinion calling at XXXX on a Saturday certainly is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-31 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: OH

Complaint narrative:
On XX/XX/2019 I submitted an online request to XXXX XXXX XXXX to debit my XXXX for the full amount due ( {$6200.00} ) on my Fidelity Visa card. The request was processed as requested. Then, three days later, on XX/XX/2019 XXXX  XXXX   XXXX debited my XXXX again for {$4600.00}. 

On XX/XX/2019 I called XXXX XXXX  XXXX   Customer Service line @ XXXX to initiate a refund of the debit which was completely unjustified because of the pay-off three days earlier. The customer service rep indicated a refund would be processed ASAP. 

Eleven days letter, on XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX  datedXX/XX/XXXX,  acknowledging the error and indicating that a refund will be received within 10 days. 

As a consumer, I find it ironic that if I fail to pay the balance due I'll be charged a ridiculously high late fee plus 16 % interest. Conversely, XXXX is free to hold my money for nearly a month. Accordingly, I request they XXXX  XXXX XXXX be obligated to remit to me interest equal to what they would have charged me had I done the same to them and held their money beyond the agreed upon due date. 

Further, I request that XXXX XXXX XXXX   improve their internal controls to ensure customer XXXXs are not debited/drafted for more than what is owed on their accounts. Automated financial systems can easily determine the necessary pay off balance prior to drafting customer accounts. Their practice of ensuring customer payments are processed quickly and customer refunds are processed slowly is a perfect example of how companies such as XXXX   XXXX XXXX takes advantage of their customers.

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 2019-03-31 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
my car was total and my insurance should take care of everything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Credit Service, Inc.
State: NY

Complaint narrative:
About a month ago I was contacted by XXXX XXXX XXXX   on a debt that is 20 years old. The debt in question is with XXXX XXXX XXXX  with whom I have two lines of credit currently open as of 4 years ago and in good standing. The call was received about XXXX in the XXXX and they stated unless I payed 10 % by XXXX because they said they would be closing at that time further action would be taken. I am a XXXX XXXX and was at a loss as I do not recall this account ( at the time of the call or to this moment ) this really came out of the blue. I work hard to maintain my bills and my credit rating. They pressed real hard to the point of mentioning my lines of credit and my ability to pay. I did ( stupidly ) pay the 10 % for which the balance was due in 10 days. I feel I went into this under duress. I contacted counsel and was told that the statue of limitations had expired on this. On XX/XX/XXXX I came home to a XXXX stating that unless the balance of {$3900.00} was paid by XX/XX/XXXX they would file a report with the credit bureau. Please help and advise me of my options. XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I just recently took a loo at my credit report and I noticed that there were some child support accounts on my credit report that aren't mine. Below are a list of XXXX XXXX accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX  -AMOUNT {$3600.00} -DATE OPENED XXXX2017 -ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Thursday XX/XX/2019 there was a charge of {$830.00} taken from my account. I immediately reached out to bluebird and filed a dispute against the charge, a day later they emailed me back and said they were going to denie my dispute. I was confused as to how someone could get this money out of my account without my approval and every time I ask a representative that question they evaded the question and change of subject immediately. All I want is my money back and for it to be solved and hopefully for it not to happen to anyone else

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received an email informing me that I had preapproved offers for a personal loan and that I could click on it and it would not effect my credit score! So I went through the process. Got my results. Didnt like any of them. And closed out my browser. Immediately following that, I got an email from XXXX stating I was denied, this after saying that my scores wouldnt be effected, and that It was a result of my TransUnion report. In the body of the email from XXXX, it states XXXX XXXX. Not once was that in the list of offers. I did not apply for any loan and was tricked with this email from XXXX XXXX and the email completely lied when it said my credit would not be effected to take a look at the offers. See attached emails.

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 2019-03-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc.
State: PA

Complaint narrative:
The company is called account control technology. They have contacted several colleges of mine that I work with inquiring about information for me. They say that they have a personal business matter to discuss with me. They have also called my phone directly so they have access to me. As a result I am suffering from embarrassment and may be discriminated against. The last incident was last Friday where I received a random contact via XXXX XXXX from someone trying to contact me. I have no connection with that person.

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 2019-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I don't have a phone number. Capital One is trying to do 2-factor authentication to a phone number I no longer have. Capital One has no alternative. Not everyone can afford a phone or wants to pay for one. 

I need to be able to access my account online by a means just like rich people with phones when I don't have one. 

There is no requirement in the account agreement that I have a phone, and I was lied to and told that I had to have one. 

https : //www.capitalone.com/XXXX/ <- There's nothing that says I have to have a phone in the agreement. 

If Capital One wants me to have a phone, Capital One needs to pay for it, or use an email address for verification like many other banks are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I just recently took a loo at my credit report and I noticed that there were some XXXX XXXX accounts on my credit report that aren't mine. Below are a list of XXXX XXXX  accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$3600.00} -DATE OPENED XXXX/2017 -ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I just recently took a loo at my credit report and I noticed that there were some XXXX XXXX  accounts on my credit report that aren't mine. Below are a list of XXXX XXXX accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$3600.00} -DATE OPENED XX/XX/2017 -ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX uses XXXX XXXX as their credit crd holder. Last year I wated to purchase a bedroom suite from XXXX, however wanted it to be delieve later this year after work was completed in our home. This would have been great, Why because XXXX doesn't charge the card until after they have delivered or merchandise has been picked up or delivered. Well I also purchased a piece of wall art and due to the size of returned it within the three days allowed for return. a few months went pass and I never saw it being credit back onto my symphony bank credit card for XXXX. So I called the credit card company who told me I had to call the store which informed me that the credit for the return was put towards a purchase ( bedroom suit ) I was making and awaiting on delivery! 
Why would you put the credit which should have went on the card it was purchased on towards merchandise you have yet picked up or have delivered? Apparently XXXX XXXX XXXX has this setup with the credit card company! This is wrong in so many ways. Merchandise purchased on a credit card should be credit back to that card used to pruchased it with not - depending on if the consumer has purchased other merchandise that has yet been charged to the card! So I had to cancel the bedroom suit in order to get the refund return amount put back onto the card which showed me owening for not to mention paying the interest on something I had returned!.

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 2019-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i asked for my account to be closed and they are taking me thru 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