vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
i use XXXX  and have my credit card attached to the account on my phone i had someone take my phone and then charge me XXXX I called XXXX  and they refused to reverse the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My assistant in XXXX  was trying to purchase a vehicle in XXXX XXXX   XXXX XXXX official dealership.

He made transactions via American Express which i gave him as an additional user, he made 3 transactions : 1 ) XX/XX/2018 {$65000.00} ; 2 ) XX/XX/2018 {$1300.00} and 3 ) XX/XX/2018 {$2200.00} We didnt pick up car in XX/XX/XXXX and i know XXXX  dealers they like to stall time, i contacted Amex with dispute on XX/XX/2018, by XX/XX/XXXX american express send me notification that my account was fully credited and then By XX/XX/XXXX they put all the charges back claiming that merchant provided documents to support their claim. I reviewed this documents and to me they didn't make any sense, i called Amex again to open another dispute by i noticed that Amex staff are not wheeling to help me and understand the issue i explained to amex multiple times that we or i didnt pick the car, they reopened dispute and we get more details from merchant that doesn't make any sense to me, but amex is ignoring the issue.

Here are the issues, i will attach each document. On first dispute merchant provided my assistants ID and credit card slips with signatures, but the invoice for the car that they claim that we bought is under different name, you would wonder if i spend XXXX for the car would i want to have invoice under my company name? i say yes. Also invoice signature is not matched to my assistants signature.

Dispute number 2 : same issue as first dispute, but this time dealer provided more documents, same documents credit card transactions but no invoice under my company name and no signature of my assistant on invoices and moreover they now lied to american express by providing the letter on last page which states : that the holder of card XXXX ( they couldnt provide full number because they dont have card and this letter was created due to dispute ) also this letter is not addressed from my assistant to XXXX   that he authorizes transfer of this fund to XXXX, there is no assistants name or signature on this letter. This letter is a completely fake and doctrine letter created by dealership to keep my money ( which i explain to Amex )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: CA

Complaint narrative:
on XX/XX/XXXX i want to log in my online banking to make a payment XXXX dollars, after i type my password three time, everything is correct but the bank said is in correct then log my account .it make me late payment that ; s not the first time after i type the password it said is in correct, happen for more than 4to 5 time and i try to contact the customer service IN XX/XX/XXXX i contact customer service i wait more than hour until i hang up still no one answer my phone? than on XXXX XXXXi try again i wait for almost 2 hours same thing until i hang up still no one answering my phone today i call again still no one answering my phone .what kind of customer service they provide.up to today my online account still can not use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My mother now deceased left a CD to be cashed upon her death to cover funeral expenses. The CD was with XXXX which later moved to Wells Fargo. I was Co-named on the CD to facilitate cashing the instrument. After her death ( XX/XX/XXXX ) I went to Wells Fargo to Cash the CD. Wells Fargo said they had no record of the account and that it must have been cashed. They could not locate any records of cashing of the CD or anything to do with the account including automatic renewal. I believe they lost the record and failed to update the auto renewal. The CD account was opened XX/XX/XXXX. She was in full command of her faculties at her time of death. The CD was for XXXX Dollars.

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 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Credit card from Bank of America was lost and used by someone to purchase items at stores. Bank of America denied my fraud claim twice because the card was used at the location on XX/XX/XXXX and XX/XX/XXXX which of course it was when I explained I had lost the card. Been a customer of theirs for many years and have never had any fraud claims filed and the first time I need their guarantee because someone else used my card they wont stand by their customer.

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 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Trying to get the {$5000.00} XXXX forgiveness towards my student loans which will effectively eliminate my loan. I have filled out all required paperwork twice and they keep rejecting it for no reason given. I keep being told to resubmit. Plus they never tell me when it is reject ed.

This has cost me substantial money for a XXXX. There is already several class actions against XXXX XXXX for many reasons regarding these kinds of practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major XXXX to remove XXXX  related XXXX in his XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX XXXX. There are multiple e-mails attesting to this fact. XXXX XXXX opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I believe I am a victim of predatory lending practices.When I financed the car total amount of the loan at the beginning of the term was approx. 23K with starting pmt of {$520.00} beginning XX/XX/XXXX. I have had 2 times of being over 30 days late, paid the late fees and caught up. As of XX/XX/XXXX The loan amount is XXXX The APR is XXXX and I have asked multiple times on several occasions to reduce the loan APR or to have it refinanced and XXXX representatives stated that they do not offer any reduction services.I receive anywhere from 4-6 calls a day 4-5x a week from XXXX XXXX XXXX. After I make arrangements to pay they still call me and ask me to verify my employer and I have verified my employer 2 times in the last month and they continue to ask. I am 26 days past due and pay anywhere from 100-400 every week and I am not catching up due to late fees and interest. I do not want to let the car go, I want to make good on the loan but being upside down to the amount of more than the car is worth is just mind boggling to me.

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 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX. they say that Navient hired them XX/XX/2018 to collect on two defaulted loans. Navient says they did not send two loans into default. XXXX told me that they were hired through Navient to collect and this is done through the back side of Navient. XXXX XXXX also told me that XXXX XXXX  is now owned by XXXX XXXX XXXX XXXX and are hired by Navient. I asked them where can I look at my account and see payments as when I log into XXXX XXXX nothing is there no payment history or anything. Only that XXXX XXXX has the loans but XXXX XXXX say they have them. Who has the loans and are multiple people collecting on them? : XXXX at XXXX XXXX told me there is no payment history because my social security is being garnished and I am not willfully making the payment that no money is going toward the principal. It goes to late fees and interest She also threaten to garnish my part time job, my taxes and my social security if I dont set up payments. Isn't that a threat or extortion? She also said no money is going to the principal that they and Navient are keeping to funds toward their fees, late fees and interest. This has been going on for 3 years now and 8 collection agencies have had this loan and its more now than it was and I have no proof of payments being made. Can someone please tell me what is going on? I think I have 3 companies trying to collect from me and I keep getting threats and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
INTRODUCTION OF CASE : XXXX XXXX and XXXX XXXX XXXX were XXXXXXXX XXXX XXXXXXXX customers, and had automatic payments setup on a XXXX Rewards card ending in XXXX. On or about the third week of XX/XX/XXXX XXXX XXXX called Barclays Card and advised them that as of XX/XX/XXXX, XXXX XXXX and XXXX were parting ways, and " not to accept anymore charges on card ending XXXX. On XX/XX/XXXX Barclay accepted a charge of {$1200.00}, against the principle card holder 's instructions. XXXX XXXX has called Barclay multiple times advising them that Barclays employees had committed and error in accepting the charge and that XXXX XXXX had taken all legal steps by instructing Barclay to refuse any and all charges to the credit card ending in XXXX from XXXX XXXX XXXX, as there was a posted flag on said account that reflected those instructions. 
XXXX XXXX was informed by Barclay employees that only the merchant could cancel automatic payments/charges and that it was in the terms and conditions of the contract between XXXX XXXX and Barclay, at this time XXXX XXXX immediately asked for a copy of the contract, on or about XX/XX/XXXX the copy of said contract was received by XXXX XXXX, and found out that Barclay employees were in fact willfully, and knowingly lying and committed a willful and knowing act of Fraud pursuant to California Penal Code Section 484. 
XXXX XXXX has advised Barclay employee 's to cease and desist any further communications as to this matter, as the clear and willful mistake was wholly due to a Barclay employee 's mistake, and that XXXX XXXX owed nothing. Barclay has continued to harass XXXX XXXX and XXXX XXXX XXXX by continuing to contact, XXXX XXXX and XXXX XXXX XXXX by emails, letters etc. In willful and knowing violation of California Penal Code Section 646.9. 
Lastly Barclays is a knowing and willing partner with XXXXXXXX XXXX  XXXX in violating all the above, and now wants XXXX XXXX to provide the letter sent to XXXX ending the contract between those parties, XXXX XXXX has advised Barclay 's employees that the letter is a legal letter between said parties and none of Barclay 's business. thus Barclays is willfully and knowingly trying to unlawfully enforce a contract between the two parties in knowing and willful violation of the Consumer Financial Protection Act of 2010. Further these combined acts between partners XXXXXXXX XXXX  XXXX and Barclays is nothing more than two partners unlawfully attempting to extort money from old US Citizens, ( 65+ ). Shameful and corrupt acts.

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 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was a customer of PNC Bank. I had a personal checking, money market savings, business checking, business credit card, and auto loan all with this bank. 

I received solicitation from PNC on or about XX/XX/XXXX for a promotional 0 % APR balance transfer for business credit card. On XX/XX/XXXX I took advantage of this promotion and completed a balance transfer of {$5800.00}. They increased my credit line to complete this promotional balance transfer. On XX/XX/XXXX I received multiple letters from PNC for each account held with PNC stating that they will close all account on XX/XX/XXXX. There reasoning was that " they reserve the right to close accounts ''. 
Contacting them directly did not provide any more information. 

They closed the credit card account that we completed the balance transfer. And removed the promotional 0 % APR and now is charging me finance charges on this balance. 

I do not understand why they closed all of our accounts. We had done nothing against their policy. We moved all funds and opened new accounts at another bank. The issue we are having now is that the solicited us to do a balance transfer and almost immediately closed the account and removed their promotion. We pay {$500.00} a month and not missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted letters to Equifax asking for validation of XXXX debts ( XXXX XXXX XXXX and XXXX XXXX ). This was my second request, I also asked that unauthorized inquiries be removed. I also included copies of my state issued drivers license and social security card with the letters. In XX/XX/XXXX I received correspondent back from Equifax requesting I send copies of my identity which would include a state issued ID card and social security card. During the month of XX/XX/XXXX I also was informed that a XXXX XXXX XXXX XXXX was being frozen because Equifax sent the company copies of my identification and notified them that I was disputing this account because it was fraudulent. This would be contradictory to Equifax reporting to met that they do not have copies of my identification and this is also incorrect information being furnished to XXXX XXXX. I did not dispute the account and Equifax does not have any correspondence from me that would suggest such. The inability to use this account has been an inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX - XXXX XXXX location in XXXX, WA signed me up for a credit card I never agreed to. As every time a credit card application is submitted, a hard pull against my credit is likely to be shown within the next couple cycles in my credit score. They are committing fraud, and identity theft against the federal consumer compliance violation laws. I called the store manager multiple times but they never returned my phone call. Plus, it was my rental dwelling unit that I was getting appliances delivered to from the store & whoever signed me up thought I actually live at that address and sent the card there. They committed fraud with the wrong information. How ridiculous

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 2019-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is XXXX XXXX Transaction # XXXX A XXXX XXXX XXXX investigation determined that " one of  the access tokens is registered with Citibank ''

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 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for, and was approved for a XXXX reward card from Chase on XX/XX/XXXX. After the first month, I got a bill for a small balance, around 33.00 plus the annual fee of XXXX. 

I paid the bill in full, including the XXXX annual fee the day the bill came due. 

On XX/XX/XXXX, I received a letter from Chase informing me that they had closed my account at their discretion. 

After calling them, they informed me that they had closed the account for a 10+ year issue on my credit report from a fraudulent joint account that was taken out in my name that was resolved a long time ago. They refused to reopen my account, return the annual fee that they charged me for a month of 'membership ' and also refused to remove the application and closure on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This inquiry was on XX/XX/2019 I have not used any web sites or business facilities that my SSI number was used. I reached out to this company on XX/XX/2019 and was told that XXXX XXXX would be the best way to handle this issue. I spoke with XXXX XXXX XXXX. ( employee 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 2019-02-05 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: CA

Complaint narrative:
I am having trouble removing a fraud alert that was put on XXXX. I called XXXX on XX/XX/2019 and spoke to " XXXX '' she stated that she was a supervisor. I requested the fraud alert to be removed. She stated that she was successful in removing the fraud alert. 
On XX/XX/2019 I received a notice from XXXX they stated " at my request they have added an extended alert to the credit report and that it would remain on my file for 7 seven years. 
I called XXXX XX/XX/19 and spoke with XXXX XXXX he stated that Euqifax told them to add the fraud alert again on XX/XX/2019. My file number for the removal for Transunion XX/XX/2019 is XXXX. I requested he send me a letter stating that it has been removed he refused. 
I called Equifax on XX/XX/2019 the confirmation number is XXXX. Received a letter from XXXX XX/XX/2019 that they added and extended fraud alert for 7 more years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
I am writing to report a scam and fraud which collect|on from PROFESSIONAL COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX with the amount of {$960.00}. 

This correction agency should check make sure they are customer not involve scam and fraudulent invoice 's, I am a vlctim of unrendered services provided by the property management company called XXXX. XXXX was In charge of renovating the property for a prospective tenant. However, they sent the false Invoices, and clalmed that they rendered services as they promised. 
I disputd the amount which XXXX claimed that I owed, also I requested XXXX for addltlonal evldence like contract who does the work ( contractor 's ). 
since then, I did not hear from owner or manager who Handel this matter.

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