vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-01 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I wanted the card to get the six percent rewards on Apple products for holiday. I sent in all of my information the application requested via my XXXX, I removed the freeze from my credit report and included my drivers license ( front and back ) showing my current address. I was approved for the credit card with a {$15000.00} credit limit. I ordered the physical card which was received and activated. I used the mobile pay to make purchases at XXXX, a vending machine, XXXX, Apple Services, XXXX XXXX and XXXX XXXX XXXX totally {$41.00}. I paid the account immediately, I dont like to carry balances. These purchases were made XX/XX/XXXX - XX/XX/XXXX when for no apparent reason my account was restricted and placed under review. I contacted Goldman Sachs numerous times since then, on one occasion I was asked a series of identifying questions regarding my car color, boat length and the city of my alma mater ( which was not listed ). I even sent pictures of my XXXX XXXX XXXX and my XXXX XXXX XXXX. I noticed that they pulled my credit report resulting in a hard inquiry which remains on my report for two years. They finally reported to XXXX the account in XXXX ( a full two months after the account was opened ). They reported I had a {$10.00} balance and to date there have been no updates. I do not have any balance. They are pulling credit, lowering scores doing so, they then restrict the account and their response to the inquiry is, After looking into the account I show that it is currently under review and we will be reaching out once the review is complete. This is now XXXX and still nothing. They are damaging my credit with an account that is not usable, with outdated information and sporadic reporting. They are not providing ANY information on timeframe to resolution, or, for that matter, simply no information at all. I was unable to get the six percent rewards back for my Apple holiday purchases. I feel they are scamming people for information, damaging consumers credit and simply not doing what one would expect from a credit card provider. Its all some sort of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I was supposed to get my card within 7 to 10 business days, I havent received it yet. I talked to customer service ( Automated ) couldnt even talk to a real person and they said it was shipped on the XX/XX/XXXX. I logged in on my app and it says it was shipped on the XXXX. I havent heard from them that there was a delay, problem or anything like that, I still havent received my card to this day. I really needed that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/2019 {$1400.00} Cleared The company has been paid with an agreed settlement Paid XXXX It should not show past due. We agreed on a settlement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
My loan was approved with XXXX XXXX for loan modification in XX/XX/XXXX. 1st Trial plan payment was paid XX/XX/XXXX and XX/XX/XXXX. In midst of loan modification approval, my loan was serviced transferred to Midland Mortgage. I created an account online for Midland mortgage and saw that the loan modification was denied, but it stated that I had until XX/XX/XXXX to turn in the sign trial plan without having to reapply for LM. So I emailed the signed trial plan to Midland mortgage on XX/XX/XXXX to the email address the representative over the phone gave me, but as of XX/XX/XXXX the loan has not been reopened so I can complete my final trial plan approval. I would like for Midland mortgage to reopen my LM application so I can pay the final trial plan and complete my modification approval, but  they are not cooperating. They are requesting that I reapply for LM.

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 2020-01-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
id theft victim i am disputing XXXX XXXX XXXX opened XX/XX/2019 off of my equifax report i am requesting a letter of validation from the creditor, i am attaching my social security card, dl, and address to this file. please remove this from my report. 

i need a copy of the rental agreement and where they got my information. 
i did not give anyone permission to rent an apt or give anyone my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I have a debt collection reporting on my credit for an auto loan that is not mines. I have never applied for financing through this lender. This account appears to be a result of an identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have been a customer of Bank of American for many years. I have had to submit many complaints in recent times because of the many XXXX XXXX people whom I seem to interact with when I need a problem resolved. The latest XXXX XXXX was someone named XXXX XXXX who wrote to me telling me that a {$35.00} overdraft fee I was charged on XX/XX/19 was valid because it was not an error on the part of the bank. It was charged because of a check that posted the same night I got paid- the money was there but SOMEHOW I still got charged an overdraft. That totally makes no sense and I can not for the life of me understand how I can get charged an overdraft fee the same night a check posts along with my PAY CHECK. It makes no XXXX sense.

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 2020-01-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has a data breach and tried to reach to you and your company and previous submit but your facility closed it. Enclosed paperwork

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 2020-01-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a chade ink business card in the branch the teller told me my first year would be waived but I found out its not. I tried calling chase about it and they stonewalled me. They want me to go into the branch and have the branch manager call them to admit some type of mistake happened I just dont have time to drive down there and deal with this right now but I do feel misled about the first year not being waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX has a data breach and tried to reach to you and your company and previous submit but your facility closed it. Enclosed paperwork

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 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one tells me they closed my account due to payment was returned to my financial institution. However I never made the payment that they are claiming I made nor don't know where it came from and whose name is on that account in order to fine that person and not me. I enclosed paperwork but capital one can't explain whom made payment not I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
follow up to XXXX XXXX XXXX it was closed but it has not been resolved I needed to add attachments to show that they are not reporting all of the info. I have also included the screen shots from another account that I have that does show all the info correctly. Commenity Bank should be showing the 4 years and 4 months of payments made in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
On XXXX, XX/XX/XXXX, I received an email from a company identified as Cedar Business Services, LLC ( CBS ) stating they wanted to " help me ( sic ) with a past due payment of {$180000.00} with XXXX XXXX ( XXXX ). As you know, this amount is in collections. '' I immediately responded with a certified letter, asking for more details because I did not recognize the debt and CBS was a 3rd party handling the collections. I requested CBS to provide specific and basic information for Debt Validation, such as 1 ) assignment from the original creditor XXXX to CBS, 2 ) the original debt and full breakdown, 3 ) any payments made, 4 ) any payments made by credit card insurance ( if any ), 5 ) the date of charge off, 6 ) the currency exchange from XXXX XXXX XXXX XXXX XXXX to US dollars USD, etc. I also asked that CBS give these details in a timely manner and provided them a 30-day courtesy period. 

CBS responded 36-days after receipt ( verified by post marks & certified receipts ),  with a letter that did not address any of the Debt Validation questions, they only reasserted that they were working on behalf of their Client for special handling. They provided phone numbers for me to contact them and a summarized breakdown of the balance owned in USD even though their client ( XXXX ) is a foreign entity. CBS failed to provide the monetary conversion or explain how they reached the USD amount. As well, within the breakdown, CBS identified the total debt was a Principal balance, with no interest, fees, legal fees, or other amounts paid. 

Attached with the CBS letter were 3-credit card statements from XXXX dating from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Each statement was only in AED and each statement clearly had the debt increasing due to assessments, fees and finance charges. The statements also showed that these charges exponentially grew. 

I only acknowledge that I lived in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and I do not recognize this debt and I will not acknowledge any 3rd party entity that doesn't provide basic Debt Validation verification. 

Also, because CBS is a XXXX debt collection company, coupled with the dates I left XXXX, I believe CBS does not have any standing based on XXXX XXXX  4-year Statute of Limitations on open-ended accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I did not receive proper notification of credit card statement at my new address or email. Company refused to fix such a small error of a debt payment of around XXXX dollars Im in which I actually over payed it. After I contacted the company they still kept saying they send the email and statement and I didnt get it. This information needs to fix on my credit report and is affecting my 100 % payment record

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 2020-01-01 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: DISCOVER BANK
State: AL

Complaint narrative:
Discover is reporting an account on my credit report that I never applied for. 

It was opened XX/XX/2014 and has a credit limit of {$1500.00} and a balance of {$2000.00}. 

Furthermore, the address on the account is in Oklahoma and I have resided in Alabama for several years so there is NO WAY it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit ran a promotion this summer XXXX. Get a free XXXX fitness wristband. Between XX/XX/XXXX and XX/XX/XXXX, open a new CareCredit credit card, make a purchase of {$200.00} or more, and register with XXXX XXXX. However the promotion add doesnt state the value of the XXXX in its promotional advertisement. This promotion is misleading. After two statement cicles Care Credit will sent you a redemption code which they create in their system and do not send to their participants after many calls to customer service they tell Yes I see you applying however the promotions has expired and the value of the XXXX is {$40.00}. I follow up on every step and never received my redemption code until I called XX/XX/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 2020-01-01 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: AL

Complaint narrative:
Barclays is reporting a credit card that I never applied for. It was opened XX/XX/2014 and has a balance of {$2500.00} with a credit limit of {$1700.00} The account is also registered to some address in XXXX XXXX XXXX XXXX in XXXX, Ok and I have never lived there. In fact, a quick search of the address shows that it is a commercial property anyway. So there is no way this could be my account.

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 2020-01-01 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: NC

Complaint narrative:
Please review the FTC attachment. I would like for the UNAUTHORIZED inquiry that was made on XX/XX/2019 by XXXX XXXX OF XXXX to be removed. I would also like to be sent a updated credit report reflecting that these UNAUTHORIZED inquiries have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: AL

Complaint narrative:
Chase Bank is reporting a credit card on my credit report that I never applied for. The account is said to have been opened in XX/XX/2018 and the address is listed as XXXX XXXX XXXX XXXX XXXX, OK 1. I have never lived there. 

2. This is a commercial address so obviously there is no way I could have lived there anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
In XXXX, my XXXX XXXX XXXX told me they provided a promotional interest-free discount with CareCredit for 6, 12, 18, or 24 months. I had previously only heard about the six-month promotion, which I was planning on, so I told them six months when I paid for the XXXX service costing roughly {$2700.00}. I wasnt thinking straight that day, so the next day I wondered why I wouldnt have chosen 24 months. 

Soon after, I called the XXXX XXXX, and they said they werent sure how to change it but that I should call CareCredit. I called CareCredit in late XXXX/XXXX XXXX and spoke with a supervisor there eventually who explained the process to me. He said the clinic can change the promotional period within 90 days of the original event. That was great -- I was only a few weeks after the original event, so I called the XXXX XXXX that day ; they instructed CareCredit that same day to change the promotional period to 24 months. I called back CareCredit, they said they had received the instructions from the XXXX XXXX and it would appear on my account within a few months. 

Fast forward to the XXXX statement, when it showed that my promotional period had expired and since I hadnt paid my balance in full, I was charged {$360.00} in deferred interest. I called CareCredit to dispute this, and they told me they werent sure why that had happened. The agent on the phone said they saw notes on my account from XXXX and XXXX that said I would get the 24-month promotional period. They said they would correct the error, remove all interest, and the corrections would appear on my account within a couple of billing cycles. 

Then, I recently received a letter from CareCredit notifying me that they would not be honoring the 24-month promotional period. 

I called CareCredit again today and asked why the 24-month promotional period wasnt being honored. Now, CareCredit claims they never received anything from the XXXX XXXX instructing them to change the promotional period. The supervisor today, however, did acknowledge at least that the XXXX XXXX notified CareCredit on XX/XX/2019, that they wanted to change the promotional date from six to 24 months. But CareCredit now claims the XXXX XXXX did not follow the proper process. 

CareCredit is the one who gave us instructions on how to change from six to 24 by  having the XXXX XXXX submit their intent. The XXXX XXXX did so, and CareCredit acknowledged receipt of those instructions on XX/XX/2019, and said they would honor the 24-month promotional period. Their position to not honor it at this point is without merit, and they are charging me for hundreds of dollars in interest expressly against the original agreement.

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 2020-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2019 I opened a paypal account. Made the following transactions : XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Express Checkout Payment : XXXX XXXX XXXX New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Mass Pay Payment : XXXX XXXX  XXXX  New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX I had recieved a withdraw of XXXX on XX/XX/2019 From XXXX XXXX  XXXX. Of those winnings I sent payments of funds to 3 people who where part of winning funds. There is no issue and no outstanding compliant with XXXX XXXX XXXX with funds they sent to my account. After sending the funds to those accounts listed above i had a balance of {$350.00} within paypal. Paypal is refusing me access to those funds for 180 days. I've been given no reason for this placement on my account and with no options to reaceive there reasons why. I spent over 6 hours on the phone with various support departments only leading to no answers to any of my questions. When I opened my paypal account I followed the guidelines, and the account is fully confirmed with banking info attached as per paypal guidelines. Im hoping to receive help in receiving funds on hold within my account immediatley. I don't want my account reopened or be used again in anyway ever with paypal again. I'm just seeking help in receiving remaining balance within a timeframe that's reasonible unlike they're 6 month scope.

Company response to consumer: Closed with explanation