vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
This is yet the most recent banking practices and I believe someone in the bank has targeted my accounts for malicious activity. Money deposit from one acct to another from person cash funds to business acct as capital was immediately available since the bank made the direct withdrawal and deposit. Acct showed funds available and clerk identified funds were available, then weeks later acct shows negative balances. Also bank over a month later after my complaints to charge for inaccurate and duplicate transactions an analysis fee which is also related to the bank staff reviewing acct when ever they choose. Bank does not want customer to have access to their own data and continues to put barriers to charge fees. Like trying to eliminate deposit slips and performing transactions without the knowledge of the customer. Please explain to me what is going on.

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 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank had over 2 months to respond and have NOT. CITI STOLE OVER {$30000.00}. CITI NEVER RESPONDED. I WANT MY MONEY.

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 2020-01-10 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: GA

Complaint narrative:
This account was the result of identity theft and was therefore closed and removed from my credit file, then it mysteriously pops back up on my credit report but still closed, now today, my credit scored drops 48 points because the account was reported as delinquent but yet is closed account. I demand that this be removed from my credit report immediately, makes no sense the way the credit bureaus operate, how can you report active activity on a closed account! Crazy! XXXX  XXXX XXXX  XXXX 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 2020-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CL Holdings LLC
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have a degatory remark on my XXXX  report. The amount is XXXX I have tried to file a complaint with credit bureau to get this removed. This is with symgorary bank. I dont even have a card for this account. How do i get this removed asap

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 2020-01-10 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Today, XX/XX/XXXX, I received a report that a new account was opened in my name with Barclays Bank Delaware for a credit card that holds a balance of {$99.00}. The account was opened on XX/XX/XXXX by someone other than myself. I called Barclays and they have no record of an account in my name or belonging to my social security number. They instructed me to file this claim to rectify the situation.

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 2020-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
On XXXX XXXX I disputed item for Toyota Motor Credit in the amount of $ XXXX.On XXXX XXXX I sent out debit validation letters, On XXXX XXXX I mailed certified letter information about debt.On XXXX XXXX mailed letters to attorney general with log sheets of actions taken.Under the Fair Credit Reporting Act the specific obligations was not met due to that the item should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Credit Wise Recovery Solution LLC
State: PA

Complaint narrative:
Today, XX/XX/XXXX, I received a report that a new account was opened in my name with XXXX XXXX XXXX for a credit card that holds a balance of {$99.00}. The account was opened on XX/XX/XXXX by someone other than myself. I called XXXX and they have no record of an account in my name or belonging to my social security number. They instructed me to file this claim to rectify the situation.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-10 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: CASHCALL, INC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I reported that my credit card was lost but I was 95 % sure I knew where it was. The person I was talking to kept telling me I needed to file a lost stolen card report. I was reluctant because I didnt want to then find it and not have a card. I only wanted to freeze it. The man was extremely pushy and so I finally gave in. I asked for the new card be expedited. He told me there would be a {$16.00} fee for shipping I agreed to pay. I then found it an hour later. When XXXX called back they told me I could not cancel the report. I asked why not as a new card had not been issued. They told me that was not their policy. Because I asked inquired about cancelling the new card they went ahead and cancelled the expedited card but didnt tell me and then still charged me {$16.00}. I found out about them cancelling the expedited card when I never received an email. They told me they had mailed it. I then found out about the charge the following day. They told me by disputing the charge that in the future I will not have access to an expedited card. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
Since XXXX I have been attempting to qualify for Public Service Loan Forgiveness. For the past two years I have been trying to get an accurate payment account of all payments made since XXXX in order to figure out if I qualify at this point. Since being switched to FedLoan Servicing, I have no record of any of my payments from before XXXX and when I speak to their representatives they inform me that my payments have been under review since XX/XX/XXXX, which seems extremely excessive. How can they not have records of this after I have been with them so many years? 

I have reached out to my senator and received the same information from Fedloans, only my payments since XXXX. I was also forced into deferments when switching payment plans and servicers which has further delayed me in my attempts at Public Service Loan Forgiveness despite XXXX  years of service. Through those deferments, interest was calculated but any payments made would not have counted toward my Public Service Loan Forgiveness. I would like to request a Payment Count Letter of all payment made on my loan since XXXX. If the government is to contract out to these companies, these companies must be held accountable for the records and efficient processing of student information as I am not alone in this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I called synchrony bank about 2 months ago due to I had gotten an alert that something had changed on my credit report. When I logged into it I had seen an account was added that was from syncb/ppc open XX/XX/XXXX of XXXX with a credit limit of {$680.00} and the account is current and still open. I asked to to close this and remove it from my credit report as this was fraud and they stated at that time they would. I then got a letter in the mail on XX/XX/XXXX from synchrony stating they were denying my claim that it was fraud. I called them back on the XXXX of XXXX to have this reported as fraud again and the lady on the phone said she would have the case reopend and make sure the account was closed. the account is still not closed at this time as of XX/XX/XXXX and still on my credit report I would like this taken care of please

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 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: LA

Complaint narrative:
On XXXX I was informed that my bank account was closed and a reason was not given. All the money in my account is from XXXX to pay for my mothers funeral services as of XX/XX/2020 i have XXXX in the account when i called suntrust they said if there is a balance they would send me a check. There will be a balance since i didnt get checks or a debit card yet. I think its XXXX that they can close my account for no reason at all or maybe its cuz i had 2 deposits from a charity to help pay for a funeral.

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 2020-01-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CarMax, Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-10 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I applied for and was approved for the American Express Aspire card. The card offered XXXX bonus points after spending {$4000.00} in the first three months. I met the spend on or before XX/XX/XXXX. On XX/XX/XXXX, my first statement cut and my statement shows that I earned the points, but American Express refuses to give me the points earned claiming my account is under " review '', but no where can I find out what " review '', they are undertaking. As far as I know, I have not violated ANY program terms or provisions, yet I have NOT received the bonus advertised. 

On XX/XX/XXXX, my second statement closed and despite earning the bonus on a previous statement, American Express continues to hold my points hostage. 

I called AMEX today, XX/XX/XXXX and after holding for almost an hour, I was advised that my points are pending but since I opened three cards from Amex ( none affiliated with XXXX ) in XXXX and XXXX and closed them, they are holding my points hostage. They also informed me that they MAY or MAY NOT give me the points offered when I initially opened the account. 

This is ARBITRARY and CAPRICIOUS and goes against contract law. I wasn't informed PRIOR to opening the Aspire card that I wasn't eligible for the bonus. I wouldn't have applied if that was disclosed BEFORE I spent over {$4000.00} on an AMEX card. 

I want the contract terms I entered into when I opened the card enforced. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This complaint is about the cash advance fee I was charged for the payment I made to the Virginia Department of Tax. On XX/XX/2019, I used my BOA premium card to make the payment of {$10000.00} and later found out that I was charged for cash advance fee. I called BOA on XX/XX/XXXX and questioned the transaction. BOA told me that the credit card processor provided the wrong code. However, they could not explain, even that the case, why the transaction went through because I only had a {$300.00} cash credit line on my BOA premium card. The supervisor, XXXX, said they could turn it into a purchase but asked me to contact the merchant first who may able to fix everything. She also gave me her direct line and promised to follow up. It never happened. In fact, after contacting the merchant who admitted they messed up, I called back BOA multiple times and left three voice messages for the supervisor from XX/XX/XXXX to XX/XX/XXXX. I never heard back from them. I talked to another BOA supervisor on XX/XX/XXXX who refused to provide any help, claiming it is their courtesy to approve large transactions even if you have low cash credit line. However, this is against their statement when I lowered my cash credit line because they told me I could not make any cash equivalent transaction over {$300.00}. 

It is unreasonable because the cash credit line is supposed to help the consumer avoid cash advance fee. It does not make any sense that a reasonable consumer sets up a very low cash credit line ( {$300.00} ) on his credit card and would have such an extremely high amount of transaction ( {$10000.00} ) get approved. They  should never approve a transaction at their will so they can charge clients high cash advance fees.

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