vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 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: BANCO POPULAR DE PUERTO RICO
State: PA

Complaint narrative:
This a for a Mastercard issued by Banco Popular de Puerto Rico. When I make a payment on my card the company puts a security hold on my payment for XXXX to XXXX business days before they post the payment to my account. On XXXX XXXX they also put a security hold on my account due to what they say is suspicious activity, my bank returned a payment, and rejected all charges to my account thereafter until I called on XXXX XXXX to see what was happening even though I had fixed the problem with my bank and had made another payment to the card that processed correctly on XXXX XXXX. On XX/XX/XXXX I had to call them to get the security hold removed. I have had nothing but problems with this credit card company. The terms of agreement does not contain payment information that relates to holds on payments for security purposes. This caused at least one of my utility payments that was on autopayment for XXXX dolllars and some change to this card to be returned and the credit company refused to fix this costing me extra money and time spent working with my utility company. 

My biggest issue is I have ask the company for a customer complaint form and they have advised me they do not have a way for a customer to file a complaint but the customer representative will submit the compliant for me. I have ask them to submit a complaint but I do not received any feedback about the compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX, I received notice form XXXX  that my dispute with Goldman Sachs had been completed. Came back with the information was verified as true. Shows I paid {$10000.00} and still owed over {$11000.00}. This is not true. I have attached a letter from them stating the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Theres a personal loan with Oportun reported on my credit with a poor payment history that does not belong to me. Account was opened in XX/XX/2019. Due to the person not making the payments this loan is now in my collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I opened up a navy federal bank account due to my brother being the XXXX for XXXX something years so I was more than eligible immediately I put over XXXX $ dollars worth of my money in there the next day upon me trying to log on I was locked out of my account called into navy federal for them to tell me I was not eligible for membership and that I needed to file an appeal and send documents in all the money i placed in my account with them was my rent money we are in a pandemic and I cant afford to fall behind on my rent Im XXXX  months XXXX  and due to go to the hospital any day I offered them to go to a branch and take all verifying documents they refused and told me it will take them 15 days to see if they will give me my money back mind you the account was only open for one day so the balance was positive so they should not be able to hold my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have at least 8 retail credit cards with Synchrony Bank. Most there is no balance, I have used them in the past and paid them off. There are 4 with balances but two have been used often and paid off in full. In one day they closed all my accounts ... .when I contacted them they stated a high risk. It didn't make sense when I have always made my payments on time, and just recently opened a new account with them in less than a month. Reason the customer service representative stated was not valid for anything pertaining to me. Plus I have 4 that I regularly use and they closed them as well. I know this will have an impact on my credit. What is also puzzling is that they raised my credit limits in the fall of last year. There has to be something that can be done. This will hurt my debt ratio on my credit which in turn will affect my score. Please help.

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 2021-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TICE ASSOCIATES INC
State: NY

Complaint narrative:
i went to XXXX XXXXXXXX to get a XXXX XXXXwhen i signed in i asked the woman if i was in network and she said i was.i then saw XXXX XXXXXXXX.he only talked to me and then sent me to someone else to do the test.when i came to the front desk they told me i am out of network and wanted XXXX  dollars instead of XXXX.i told them i did not have XXXX but insisted on XXXXwhen i called for the appointment i asked how much and they said XXXXwhen i got there they said XXXX.after i saw XXXX  who did absolutly nothing they want XXXX dollars.so i li feel i owe nothing after blatenly lied to left the office without getting my XXXX XXXX.i feel i owe nothing considering what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived. 
Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c XXXX the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from XXXX XXXX, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by XXXX XXXX, and not only, since 2019!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX Dispute initiated by customer Amount : {$630.00} Customer called Discover credit card 10 times to customer service, dispute, card fraud investigation XXXX. Customer received 10 different answers from different agents of Discover. At first, customer was advised to call back after 14 days after XX/XX/XXXX. Another was the credit will appeared and credited within 3 days which is XX/XX/XXXX. Another was the credit will appear on XX/XX/XXXX at XXXX EST. Another was the credit will appear 72 hours after XX/XX/XXXX. Another is the credit maybe will be posted on XX/XX/XXXX ... 
The credit has not been credited and appeared on the account. Customer has been a member for 20 years and it is disheartening to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I've tried explaining to them that I didn't owe any money to them. I'm XXXX by birth with XXXX  XXXX  and never worked due to my XXXX. Tried telling them that someone impersonated me and used my name, social security info, and my house address to get money from credit cards as cashiers checks. I've been identity theft by some unknown people or person. Please I humbly request for your help finding the culprit and fixing my credit history. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Good afternoon, I am writing in regards to a XXXXIC Systems Collection that has been filed on my credit report. I was un aware there was any outstanding balance to XXXX whatsoever. If you review my history with XXXX I have always paid my balances in FULL. In XXXX of 2020  I moved over to XXXX due to carrier and signal issues I incurred when the merged with XXXX. 
XX/XX/2020 I cancelled one line, XX/XX/XXXX I cancelled the second, XX/XX/XXXX I cancelled the third, then on XX/XX/XXXX I cancelled the 4th line. Since then I continued to receive bills in the mail and they never did cancel the service. I called and spoke to a XXXX rep on XX/XX/2020 to discuss and figure out what happened and why they didn't cancel the account and why i was still being billed. XXXX could not give me an answer and couldn't figure it out. They stated I had a device to turn in so they sent me a box to return the device on XXXX/XXXX/2020. Since then I never heard anything from them until I was notified via XXXX  they sent my account to collections. 
I called IC Systems the day I received notification from XXXX  and they had no clue as to where the total came from and said I had to call XXXX, I called XXXX and they also could not explain why they didn't cancel the service back in XXXX, nor could they explain the charges. They informed me the charged me for the device i sent back because it was damaged and that makes no sense what so ever. The phone was in perfect working condition when I sent it in, if it was damaged I wouldn't have sent it back to them, It would have been cheaper for me to buy the device from them vs sending it back. 
I have disputed this with XXXX and also IC Systems twice and I get nothing from them other than a note on XXXX  that says ( Meets requirement of the Fair Credit Reporting Act ). 
This is not am acceptable explanation. 
I offered to pay them XXXX $ but neither IC Systems or XXXX said they had the authority to accept an offer, so who do i need to speak with? They are both trying to collect money from me that is in accurate but neither of them know nor can explain the charges listed on my report. 
In closing I want this removed from my reports, this account should have been closed via XXXX back in XXXX of 2020, they did not .... 

Thank you for your time,

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 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXXmy boyfriend an I deposited {$1600.00} in a Bank of America ATM machine on XXXX XXXX and XXXX XXXX in the city of XXXX XXXX the time was between XXXX and XXXX the machine took my money an asked to confirm it was {$1600.00} I hit the confirm button and the machine started loading then it shot my arm card out and shut off. I stayed the machine for over and hour trying to get in touch with someone from Bank of America to find out what went wrong. They tell me their going to do an investigation. I needed that money to pay for an apartment I got approved for. Now I'm in jeopardy of losing the apartment if bank of America doesn't credit my account with the money I deposited

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 2021-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
In XX/XX/XXXX I filed XXXX XXXX Bankruptcy and the plan has been court approved. 
For creditor, South State Bank, the Court approved terms are listed as follows : " Unsecured claim '' amount of {$53000.00}, claim to be paid over a 60 month period with 0 % interest, which results in payments of {$890.00} per month. 
My case has been administratively closed and I started making payments to South State Bank according to the court approved plan in XXXX of XXXX. 
All of the payments I've made to date have been cashed but I haven't received any statements from the bank. I called South State Bank 's XXXX number to request statements be sent to me but haven't received any. 
Now the South State Bank 's 1098 mortgage interest statement has the incorrect principal amount of {$230000.00}. This error is causing delays in filing my tax returns with the IRS. 
In addition to this complaint, I will be sending a " Qualified Written Request '' reporting the mistakes and asking the bank to correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I mailed ERC ( Enhanced Recovery Company LLC ) a letter on XX/XX/XXXX2021 addressing a debt they claim I owe to XXXX XXXX XXXX XXXX in the amount of {$340.00} in response to a letter they sent me on XX/XX/XXXX2021 stating that since I am disputing the validity, my account will be in hold status for now and collections efforts have cease. I still asked them to validate that debt within 30 days. I sent the letter certified, so I am aware they received it on XXXX/XXXX/21. Today is now XX/XX/XXXX, and I have not gotten a reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My HOA started reporting dues to Equifax. Equifax is categorizing these HOA dues on my credit as a secured loan. Let me add, I am up to current and never have been behind on dues. However, I was recently denied a credit increase from a creditor citing one reason as Limited information about the credit on my Home Equity Line of Credit which I do not have. It is referencing my secured loan with my HOA dues. I attempted to dispute the entirety of this with Equifax and it would not allow me to, saying I could not dispute this. It finally allowed me to dispute one month as an incorrect loan categorization but will not permit me to dispute the loan classification as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
PayPal and PayPal Credit are trying their best to cheat customers. If you have accounts that are a promotional purchase and have a period of time to pay before interest is charged and you make a payment they will only apply your payment to the most recent purchase and not apply any payment to the oldest balance in hopes of you not being able to pay off the promotional balance before interest will be charged. Say you have a promotional balance of {$500.00} and you have 24 months to pay off the balance and a minimum payment of {$30.00} is due each month and you have a balance on a purchase of {$200.00} that is to be paid off in 6 months to have no interest charged. You make a payment of {$200.00}, enough to cover the {$30.00} on your 24 month account + {$170.00} to pay on your 6 month no interest account. Syncrony Bank who handles PayPal Credit accounts will apply the entire {$200.00} to the 24 month account and XXXX  to the 6 month account in hopes of you not being able to pay the 6 month account and end up having to pay a large amount of interest.

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 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, a XXXX American. " On or about XX/XX/XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX XXXX  sold a pool of charge-off accounts ( the Acounts ) by purchase and Sale Agreement and a Bill of Sale to Midland Funding LLC. '' I, XXXX XXXX XXXX does not have a contract with Midland funding and I signed a court document T.D.C. meaning threat duress and Coercion and A.R.R. on XX/XX/XXXX. XXXX  and XXXX  the attorney 's for Midland Funding got a Final Judgement for me XXXX XXXX XXXX to pay the debt in which there is no contract that I XXXX XXXX XXXX does not have. The final Judgement was on XX/XX/XXXX in XXXX XXXX County so called " Court '' of the XXXX XXXX XXXX in and For XXXX County. A Delegation of Authority Order was never shown forth by XXXX XXXX XXXX. I am moving this case to XXXX Court. This is the 2nd time I had to file a complaint against Midland Funding LLC. The number of the first complaint I filed with the XXXX XXXX XXXX XXXX was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: CA

Complaint narrative:
I opened the account and was able to trade, then it just stopped trading. I have ask to close account but can't. I keep being asked to verify the account and I have dome what they ask but still can't trade. Account shows that it is verified but still can do anything. Would like to close the account if it can't be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is provided false information about the interest rate, balance, and rewards. On XX/XX/XXXX, at XXXX, EST, I contacted the financial institution at the credit card toll free number listed on their site. That contact number was XXXX. I spoke to a XXXX female BoA credit card customer service rep named XXXX in Texas, after waiting a few minutes for the first available agent. All of the questions were extremely simple. I asked when my next rewards would post, requested my interest rate, and my current balance. XXXX fumbled around and after about 10 minutes, she was still unable to provide the details. Her resolution was for me to log on to the computer and to look for it myself. She advised me that my interest rate on my credit card was 0.00 % and that the promotional rate expires XX/XX/XXXX. She stated that the balance owed as of today is {$4200.00}. She said that my minimum payment is $ XXXX provided tons of false information, even after she was called out for all of her lies. She stated that she notated the system on her end that she was unable to assist. My balance is $ XXXX. I had a credit balance prior to that for over $ XXXX. I asked for her supervisor. She said that she was transferring me over right then to her supervisor named XXXX. But, she did not. I was placed on hold for several minutes and never transferred to that supervisor. The call with this rep lasted more than 30 minutes. I am supposed to have a 5.99 % promotional interest rate with BoA. I just looked at my statement, and I do not even see that promotional rate being applied. These types of issues have been nonstop with Bank of America. I just received a debt collection letter from them this month, stating that I owed them an additional mortgage payment, only for BoA to realize that this was inaccurate as well. After spending several hours on the phone with numerous incompetent reps in BoA 's mortgage customer service department, they finally sent a follow up letter stating that no payment was owed, after I insisted on having something in writing. This type of poor service has to stop. They are allowing these associates to work from home with little to no training. The customers are having to tolerate this poor service with inaccurate information along with long hold times.

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 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debtsy Holdings, Inc.
State: NJ

Complaint narrative:
have reach out to this company asking them to valid this debt and they never did but yet they are still trying to collect on it. And this company is in violation of codes 15 use 1692b ( 2 ) 15 use 1692f 15 use 1692b ( 5 ) 15 use 1611 all which is subject to a XXXX per fine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief