vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PR

Complaint narrative:
Im experiencing 2 fraudulent charges on my account. Discover dont want to do nothing. I want that discover lookup all the calls to confirm that i called under the 120 days period to claim a transaction from XXXX XXXX  of XXXX $ and discover dont do nothing. I have another fraudulent charge in wich discover dont investigate that is from XXXX XXXX for XXXX XXXX I was told that Ill be receiving a call from XXXX XXXX. And she never contacted me. I called she and no one answer. 

Discover is very irresponsable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I was recently attempting to refinance my home and when my credit report was pulled, I had a late payment in XX/XX/2019 from a store charge card, XXXX XXXX ( XXXX ) XXXX  through XXXX  XXXX, severely impacting my score. I am currently 2 points away from the required score to refinance and was told to contact XXXX XXXX XXXX  to see about removing this blemish from my credit report. I was told to write a letter to XXXX  and they would respond within 2-3 wks. The letter included information such as the month of the late payment, XXXX and the situation at hand. My normal monthly is {$40.00} and an archived electronic statement dated XX/XX/2019 shows a past due amount due of {$100.00}, with a total amount due of {$150.00} on XX/XX/2019. I immediately noticed the discrepancy and paid the full amount ( {$150.00} ) on XX/XX/2019 which included the past due amount and charges through XX/XX/2019. This was a simple oversight, on that could have been avoided with a simple correspondence from XXXX XXXX XXXX. I accepted the late fees as I understand that the payment was in fact 2 days late. However, I have NEVER had a late payment on any of my credit cards, never mind reported on my credit report and have always paid over the minimum amount due. I did not receive any notification and was completely unaware of the blemish they placed on my credit report until I tried to refinance. Therefore, I wrote a letter to attempt to have this removed from my credit report. 
After not receiving a response, I contacted them yet again. I was then told to what a few more days. Again, I did not receive a response and called again. This time I was told that it was up to XXXX XXXX to respond and take necessary action so I was transferred. XXXX XXXXXXXX pretty much told me too bad and wait for them to respond. They have 2 days left and it will be 30 days to which they did not respond to my dispute and therefore, I am requesting that the information be removed from my credit report. This was a simple " 2 DAY '' oversight that will end up costing me thousands upon thousands of dollars and XXXX XXXX is unable to work with a long-term, good standing customer that has continuously paid on and above minimum balances and remained current on their account during the whole worldwide pandemic. They are being completely unreasonable.

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 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I recently attempted to make a payment via the Venmo ( www.venmo.com ) iPhone application. The transaction was repeatedly denied. When I contacted Venmo support to ask about the reason for the denial, I receive -in part - the following reply ( I do have the full chat transcripts and email exchanges ) : Our automated systems are created and administered by our security, risk, engineering and legal teams. The systems they have set up are working as intended and they will not review individual declines. 

This is concerning to me. While I have no doubt that great care has been taken in developing Venmo 's security algorithms, with no transparency into why certain transactions are being declined, it is impossible to determine if there are any flaws in the algorithm, if bias has been inadvertently introduced, or if something else is at play. 

I have other options to make my online payments, but from a data and business ethics perspective, and a general principle this is concerning. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: FL

Complaint narrative:
The company is XXXX XXXX XXXX  or by names of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX. On XXXX  there was an advertisement for an ad on your car and for this I was going to be compensated. The advertisement on my car was going to be for XXXX XXXX supposedley. The company sent me a check in the amount of {$2700.00}. In the letter it said I was going to get paid {$600.00} for the ad on my car. I was speaking through text to XXXX XXXX who said I would have to send {$2000.00} to the installer of the Ad through XXXX. My XXXX app was not working. XXXX said in order to expedite the installer 's service I could get 4 {$500.00} visas to pay the installer. Mind you at this point the check was processed by XXXX XXXX. It was starting to sound sketchy because then XXXX XXXX said I have to send {$500.00} to remove the ad for the car. I argued with him for a while through text but he said another check would be sent. He told me the check did go through. I naively fell for this and sent {$500.00} through XXXX to a XXXX XXXX $ XXXX. After I did this the bank returned the check. I tried to contact XXXX XXXX at phone number XXXX and the email XXXX. The phone number was disconnected and tried to call the company XXXX XXXX XXXX at XXXX and the line was also disconnected. I have been scammed in the amount of {$2700.00}. I have contacted XXXX and supplied all the letters, copy of the check and they said there was nothing they could do.

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 2020-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Booked a vacation but it was canceled do to Covid-19. I tried to get reimbursted for the air fare but was dinied by both the booking company XXXX and my credit card company Capitol one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
These addresses do not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I have reported this issue multiple times over last three years. LexisNexis fails to correct my report. These must be removed as I am not connected to them. For the first address, I have a letter from the company that incorrectly associated my name with the address. Note that is from 2013. Feel free to share my information with the class action lawsuit against LexisNexis for failing to update information and remove information that is out of date. 

In addition to the XXXX errors above, there are multiple incomplete addresses. 

Additionally, LexisNexis fails to reasonably disclose my report. Reports are provided in an inconvenient format, including 100 duplicated entries which make reviewing the content of the report tedious. This serves no other purpose than to hide invalid and incomplete information from the victims of LexisNexis misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent " Experian '' several certified letters 120 and 90 days ago disputing the late payments they're reporting is inaccurate and needs to be corrected as I never been late on any of my accounts, also Experian has one of my accounts marked as closed when its an open and active account. Experian never responded or corrected the problem!.

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 2020-07-02 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: EQUIFAX, INC.
State: CT

Complaint narrative:
The inquiries on my credit report are unauthorized and should not have occurred in the first place. I have contacted the creditors and was told that they have requested the deletion of the inquiries. 

XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX XXXX BANK XXXX XXXX XXXX Banks XXXX date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
In XXXX of 2018 I noticed 10 checks deposited into my bank account that I did not deposit. The morning it was noticed I immediately reported the fraudulent activity to the bank and was immediately treated as being the person who performed these transactions. I was treated as a suspect everytime I called and not as being a victim of identity theft. Many of the representatives from the company refused to provide me information as to how the checks were deposited and the location of where it was deposited. I was able to find out that this transaction happened in Washington, DC while at the time I was located in XXXX, TX. I was also told that the checks were deposited both through the ATM as well at the teller. My paychecks were being deposited into that checking account and it took 3 months before they release my money to me and subsequently closed my account. They reported me to chexsystems and has made it difficult for me to establish credit and open an account at a credit union. I don't think that they put in the effort to protect me as a customer and investigate fully what happened. To this day I don't know who used my account to commit fraud. The bank has falsely reported me as a risk and has ruined my life as a result. I request that the bank have my name removed from checking account reporting companies and I am requesting that this issue be investigated thoroughly. I am also requesting all bank statements leading up to the cancellation of my account so I can conduct an investiagtion of my own.

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 2020-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have tried to complete work out payments with this company due to the Covid 19 and being laid off of work. Exeter Finance has stated they will not work with customers in the state of California, no more than 2 months deferments, even though they are still affected with the Covid 19. I also called to let them know we are in the process of filing for bankruptcy, at first they refused to take the information from me as I am the spouse and not the main account holder. 

This company with the outrageous rates as well as unwillingness to work with not just us many of their customers during this Covid hardship has been stressful and actually predatory collections/ lending. The lack of compassion this company has for it's customers is unbelievable. At the beginning of this Covid outbreak they were refusing to work with customers, and as we continue to see hardship of being out of work, they still continue to state it is their business decision to not assist any further than 2 months regardless of the Covid out break.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Back on XX/XX/XXXX I informed Synerprise that the account that was showing my credit report was not one that I acknowledge or knew of and that I needed all information. On XX/XX/XXXX Sypriseprise wrote back via CFPB portal informing that the account was being deleted from my credit report yet it is still there. However, after further investigation I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs,  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as  possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
I paid off my mortgage using a payoff amount provided by the company that was good through XX/XX/XXXX. The mortgage company then went ahead and took an additional payment out of my account on XX/XX/XXXX. They then refused to even allow you to wait on hold to speak to someone and are holding on to my money. It is unacceptable to steal from someones account and have no one answering the phone on your customer service line during business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX/XXXX/2020, I received a message when trying to pay bills using XXXX stating that PNC has made changes that no longer allow me to link my account to XXXX to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On bank of Americas XXXX prepaid card services, in there terms and conditions it states this : Emergency Cash Transfers. You may obtain cash at a XXXX XXXX location in the United States ( Emergency Cash Transfer ). All Emergency Cash Transfer requests must be initiated through the Bank of America California XXXX XXXX Department XXXX XXXX XXXX XXXX ( the " Service Center '' ). All requests for Emergency Cash Transfers are subject to the Emergency Cash Transfer Fees stated in the Fee Disclosure. All requests for Emergency Cash Transfers are subject to XXXX XXXX guidelines which could vary by state and could include certain dollar limits, identification requirements and other restrictions. If you request an Emergency Cash Transfer, you agree that we have no liability for any losses or damages that you may suffer arising out of any action, non-action or delayed action on the part of XXXX XXXX or its agents or any other third party. 

I called the, twice on XXXX XXXX  2020. First person said my account isnt eligible for this because my card has been mailed, I hung up, the second person said they dont offer this anymore, Im waiting on my new card but also have an available balance of {$10000.00} and they are telling me this isnt available to customers any more, but yet they Still have it on there website. My name is XXXX XXXX. I tried to talk to a manager and they told me they dont have anyone higher up, or anyone else for that matter I can speak to, and theres just nothing they can do except for have a manager call me back in 72 hours! This is crazy. I needed this money now, as it is my unemployment Ive been waiting for almost 5 months for. Im so frustrated that they cant let me talk to an actual person who can make something happen. I should be able to get my money somehow, even if it was to let me go into a bank branch or they make a money transfer to my other bank account. I need to feed my kids, yet I cant because they wont let me access my money unless my new card has came.

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 2020-07-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I spoke with someone in Customer Service on Friday, XX/XX/XXXX. I was told at that time that my Pandemic Unemployment Card would be sent via XXXX XXXX   express delivery at an extra cost of {$15.00}. I was told that it would be delivered Tuesday, XX/XX/XXXX or Wednesday XXXX XXXX, 2020 at the latest. I have benefits I can not access because I have yet to receive the card. 

I am in a very tough financial situation, as many people are, but the lack of customer service and outright lying regarding the resolution of my problem is totally unacceptable. 

I am more than dismayed that they would promise the card delivery with no intention of following through with that promise. 

Please share my immense displeasure in their ability to conduct business in a proper and honest manner. 

Thank you. 
Suffering 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 monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, XXXX XXXX, 2020 at XXXX PST I initiated a call to Best Buy / Citi Bank Credit Card XXXX XXXX XXXX to discuss my Best Buy charge card. I am in the middle of my first home purchase ever. Back in XXXX 2020 when COVID-19 lockdowns began I requested the COVID-19 Payment Deferral Request offered by Citi as a precaution. I ended up never needing the deferral plan and have made several payments since requesting it. When I called today, the first associate I spoke to told me there is no process in place to request removal of the deferral program. I requested escalation to a supervisor, who then escalated me to XXXX from the Executive Department. XXXX 's department has a separate phone line XXXX. XXXX confirmed Citi does not have the process in place to remove the deferral. I explained that the deferral plan is preventing me from being able to be approved for this first home purchase and reminded her that there was no verbal or written disclosure given in advance that the COVID-19 Payment Deferral Plan could prevent approval on other credit products. The absence of fair disclosure and the fact that a massive company does not have a simple procedure in place to protect consumers from negative credit reporting is why I am submitting this complaint. I am requesting direct follow up contact from the CFPB. I am reporting this in good faith. Not only should my request to remove the payment deferral plan be honored and confirmed in writing sent to me by email ( this need is extremely time sensitive ), Citi needs to establish this necessary procedure it is lacking to avoid further consumer escalations to the CFPB. I am asking Citi to remove the deferral so I can pay them interest sooner. Why they are disagreeing to this is up in the air to me. Due to the urgency of my request please contact me ASAP. I am in dire need of help getting this resolved. Thank you.

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