vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
Current Bank. I have a balance on my card. I can't withdraw money from the card at the ATM. Customer service just XXXX me around. What happened with former balances on my card account? I'm tired of living broke. I'm tired of disappearing money. People steal. This isn't an airtight game here. Why does Current play along with it? I'll send reciepts I've had way more than {$300.00} missing from my Current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: MN

Complaint narrative:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 742.15 % " MyFundingChoices.Com Blackhawk Finl '' XXXX created on XX/XX/XXXX XXXX XXXX ( Current ) Finance Charge {$700.00} Amount Financed {$1700.00} Total of Payments {$2400.00} Disbursement Date : XX/XX/XXXX ( on or about ) Effective Date : XX/XX/XXXX Due Date : XX/XX/XXXX every two weeks Black Hawk Financial dba MyFundingChoices.com XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There is a fraudulent transaction on my account posted on XX/XX/2022 for XXXX XXXX XXXX CA amount of {$100.00}. I have spoke to the fraud department several times regarding the transaction. And yet, nothing has been solved and been going on for weeks. Transaction still appears on my credit card statement as of today, charging me something I did not authorize. I have considered filing a Police Report regarding this incident, labeling it as Identity Theft because this is where this case is leading up. 

This no doubt is fraud because this was something that happened without me being aware. I am frustrated and unhappy with the poor customer service I have received from Citibank regarding this incident.

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 2022-09-06 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: CA

Complaint narrative:
I made a payment to my card on XX/XX/XXXX via direct payment from my checking account using the account and routing numbers. The payment was processed by my bank the same day and Processed by Synchrony within 2 days. But now, 6 days ( XX/XX/XXXX ) after payment, they are telling me that my payment is being held for 3 more days until XX/XX/XXXX and will not be credited to my account for use until XX/XX/XXXX. My payment in there system shows " processed ''. There response to this was " However, some times large payments takes times to get updated for various reason. '' I explained that {$300.00} is not a large amount and that it isn't right for them to hold my money XXXX. I cited the Consumer Financial Protection Bureau, XXXX Payments ( a ) General Rule. " A creditor shall credit a payment to the consumer 's account as of the date of receipt. '' That didn't seem to matter to them. So I asked to speak to someone who can help me. They said there is no one available through chat and I would have to call, but that no one would be able to take the hold off of my funds.

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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
On XX/XX/2022, I received an alert XXXX XXXX, that there was a change to my XXXX report. I requested a free copy of my credit report and learned that two companies ran an inquiry for credit. The two companies listed were : Destiny XXXX Account and Indigo Mastercard Account. There was also an unknown address and phone number listed. ( Address : XXXX XXXX XXXX, XXXX Florida, XXXX ; Phone number : XXXX and XXXX ) I disputed both the address and phone numbers. 

In late XX/XX/2022, I received emails about a new card. I looked at my credit report again and credit card accounts appeared on my report for Destiny XXXX  Account and Indigo Mastercard Account. I contacted the company and they said they would send me an affidavit to complete and have notarized. I also disputed both accounts with all three credit bureaus ( XXXX, XXXX and XXXX ). 

On XX/XX/2022, I received two letters from Genesis FS Cards Services - XXXX XXXX, XXXX, OR XXXX. There was a letter sent on behalf of Indigo and Destiny. The letters stated they processed a change of address on my account. I contacted the number provided on the letters ( XXXX and XXXX ). One of the numbers was never answered and when the other call was answered- the person I spoke with said she didn't see my name in the system and would need the last four numbers in my social security. I did not provide it. 

This appears to be a scam - two accounts opened - different credit companies but they both have the same address and were opened the same day. They used the fraudulent address and phone numbers that I disputed. 

I need this corrected. XXXX sent me a letter saying the company verified that the information was correct. This is not my account. I have am the victim of identity theft. I need these accounts removed from my credit reports and the individuals behind this scam need to be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of 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 non-monetary relief
Consumer complaint received 2022-09-06 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: NV

Complaint narrative:
I filed a dispute with Capital One in XXXX of 2022 for an item I purchased but had not received. Capital One disputed the item and returned funds. In XXXX of 2022 I received a letter stating the merchant disputed and funds would be rebilled. I needed to respond with a letter in a certain amount of days in which I did but capital one is saying not enough info was provided in the letter. I called back and was told I needed the case reopened and to send in phone records proving I called the company and they would resolve the issue. After waiting for 2 additional weeks I called capital one back and they are now stating the original letter I sent in did not mention the companys return policy but I dont understand the relevance of a return policy when I never possessed the item and I clearly mentioned it in the letter. I never received an item from the company to possibly return it. Capital one has requested I send in several items and each time I have done so. I was advised by a capital one representative the company I am disputing against has indicated they are responsible and ok with returning funds however capital one is stating its conflicting what they are saying and unable to acknowledge. I have once again been advised to send it additional documentation concerning this matter. I have been given 2 case numbers from capital one XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I CALLED TRANSUNION BECAUSE THESE INQUIRIES WERE NOT AUTHORIZED TRANSUNION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 
XXXX : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) 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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2022 at XXXX received missed call from USAA On XX/XX/2022 at XXXX returned call to USAA operator informed me that USAA was closing my account due to an event occurred 6 months prior. I had no problem with terminating business with USAA. 
Afterwards I tried to move my founds to my other Financial Institution and I wasn't even able to log in to my account. 
On XX/XX/2022 at XXXX called back to USAA and talked to XXXX XXXX ( XXXX at XXXX Department ). I told her USAA closed my account and illegally withhold my founds including my XXXX Pay that I need for my monthly bills. She informed me I would received a check within " '' ' '' '60 DAYS!!!!!!!! ' '' '' and that they wouldn't change their mind or was anything else she could do to help me access MY MONEY, then she proceed to hang up on me. 
As I already said I am completely fine terminating my XXXX years with USAA but I am not ok with USAA withholding my founds without previous warning or opportunity to move my founds and putting my credit and whole financial situation in jeopardy. I do not have any overdrafts or delinquencies to justify holding my money and it is illegal to appropriate my founds and play with them for 60 days. I need my bills paid now and that is my money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts opened in my name where not made by me Accounts : XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-06 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: TX

Complaint narrative:
The following accounts opened in my name where not made by me Accounts : XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-09-06 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Spoke with someone from JPMCB, on XX/XX/2022, that the account was going to be removed from my credit file. To this date the account is still reporting on my credit profile. This is a violation of my rights. A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX has been reporting an account JPMCB CARD XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of 2022, and they stated it was removed, and then reinserted, by the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Had a account with XXXX  XXXX and they never let me knew they were going to release my information to chex systems. Which a violation of the XXXX XXXX XXXX XXXX  the never disclose to me that they information was going to be disclose. Asking could they show were I agreed to have my information released.

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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I have prepared a document for the company in question, explaining to them that until they can provide evidence of an actual loan, true Business Records of debits and credits according to XXXX, and information showing to whom any monies collected will go, they can not enforce any collections actions. I was the unwitting victim of a mortgage securitization XXXX scheme, for which far more than the value of my mortgage with the original lender, is worth. They owe me compensation for forcing me to provide them the means to run this scheme, and that is far more than the value of the property they're trying to force me out of. The courts are, naturally, on the side of the banks, and have provided no relief, and have failed to force them to produce any evidence of a debt, or any records showing their claim that this mortgage is not already satisfied. I have proven over and over that the entity ( the trust into which the mortgage was securitized ) they claim they are collecting for is closed, and has been for years. I have proven this trust earned multiple times more than the value of the mortgages used in the securitization scheme, so it is obvious that SPS, as well as the prior servicer, XXXX, and the foreclosure mill law firm that has represented both, are seeking money from me for their own unjust enrichment -- profits, when there is no debt owed. 

The document lays out my evidence of the scheme, as well as provides all the negotiation documents requested by SPS that they continually ask me to resend. I have assembled them all into one document so there can be no further claims that I failed to produce anything they requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me XXXX XXXX Big Picture Loans , LLC XXXX ID : Loan No. : XXXX Finance Charge {$6000.00} Amount Financed {$1500.00} Total of Payments {$7500.00} Application Date : XX/XX/XXXX Effective Date : XX/XX/XXXX ( You may get funds prior to this date ) Due Date : XX/XX/XXXX every 2 weeks Big Picture Loans , LLC XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX XXXX? I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I also called XXXX XXXX in XX/XX/2022. I have not received a response from the credit bureaus or XXXX 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 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: OR

Complaint narrative:
I applied for the personal loan on XX/XX/XXXX to XXXX in the amount of {$900.00}. I was lead to believe that I would be able to pay off early without penalty meaning if I paid it in the first month it would be paid in full. No interest or fees charged. 
The paperwork that I received gave me an interest rate of 767.26 %. I did not understand what this meant until I spoke with family. 
There was no clear information or an explanation of detail from river valley loans. 
I called them today, XX/XX/XXXX and requested a payoff. They only gave a verbal quote of {$1000.00}. I have made one payment of {$240.00}. this loan of {$900.00} cost me {$420.00} for two weeks. This should be against the law and I hope that this type of predatory lending can be stopped. 
I am attaching the loan agreement for reference. 
People who have XXXX are targeted and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I came in good faith as an applicant and applied for automotive financing through capital one auto finance on XX/XX/2022, Capital One Auto Finance willfully discriminated against me during this credit transaction. Please See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: MN

Complaint narrative:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 499.99 % Bright Lending loan Number : XXXX Finacne Charge XXXX Amt Financced : XXXX Total of Payments : {$6000.00} Date : XX/XX/XXXX Due Date : XXXX every two weeks CREDITOR : ADDRESS : PHONE : EMAIL : Bright Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
Received a call, first of all was asked to VERIFY IDENTITY WITH SOCIAL SECURITY NUMBER OR OTHER HEAVILY SUSPECT INFORMATION, secondly she was VERY rude after being told I was XXXX and on SSI and that Medicaid should have covered the amount and I would discuss the issue with the debtor themselves, finally, she became very abusive threatening my SSI as ability to pay and saying things like Being XXXX doesnt automatically exclude you from paying and insulting the fact that I am XXXX AFTER being told I was going to contact original debtor to ask why this was sent to collections when I was not informed of the debt or the reasons Medicaid did not cover the services. Very rude and caused me to have XXXX XXXXXXXX afterward due to the stress caused. Luckily I am unharmed but harassing a XXXX person to the point of XXXX is UNACCEPTABLE FROM DEBT COLLECTORS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
A previous transaction was made to purchase equipment I owned.SO after the equipment was sold to the man outside. They sent another request to PayPal for a refund on something they used. SO course I never answered to this request. PayPal on the other hand took it as a serious request and would never take it off my account, and one day it did. Now I am receiving collection calls for something that Is not my fault.

Company response to consumer: Closed with explanation