vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in 2015 I reported my car being broken into, wallet was among my personal belongings that was taken it include a fee debit cards n credit cards, social security card, driver 's licenses, a accordion that held my birth certificate pay stubs prior year income tax returns and utility Bill 's. The reason why all this documents were in my car because I had a employment interview the day before and had left my items overnight in my car. I immediately filed a police report, and since then auto loans, new bank accounts, credit cards have been made in my name and thousands of DOLLARS have been borrowed or used to make purchases in credit with my identity. I have contacted the Merchant like Bank of America, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and hundreds more that shows in XXXX XXXX XXXX XXXX XXXX and many other systems that I'm a high risk and that these accounts were used fraudulently by me. I contact these merchants on more then one occasions in person, via email, and telephone and the end result is that they belong to me and I have to settle the debt and now that I would like to open a checking account, make a major purchase or obtain credit I'm denied by all banks and lenders stating that I'm a high risk or don't meet the criteria because of what these merchants have stated on my credit report.

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 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a Venmo account and a Venmo mastercard I use this as an easy way to get paid of jobs I do as a XXXX on XXXX and XXXX   XXXX. I also use it as a way to collect rent or deposits from current of new roomates whom rent to. I had just received XXXX from a new roomate for rent and deposit and was trying to Venmo the tenant moving out but could not complete Transfer. The next morning I finally get hold of customer service they ask me to take a picture of my id and email it to them. I do this and then get an email saying that I should link my bank account and and do the Transfer somewhere else. Ok weird, then I get an email saying that they have permanently froze my account and are taking my money for up to 6 months with no reason why and that they may after 6 months decide to keep my XXXX dollars. They have not responded to my emails and 5 days later I still do not have access to my money. 

Please Help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I was denied the right to have a bank account at XXXX XXXX because the XXXX computer detected some bad issues in my identity with respect to my transactions that I perform and have performed in the past with the bank. I am attempting to have a business online that I operate from my personal computer at home. Right now, it is earning about $ 400/month. I desire or intend that I allow it to grow so that it can potentially earn about $ 95,000/year. But because I have been making so many purchases with my credit cards, I am behind in my payments to my creditors, ( including PayDay Loans ) and so the computer sounded the alert that I was doing something suspicious. I have the ability to repay all of my debts. The problem is that the schedule of the payments that I desire is in conflict with the schedule of payments that those creditors desire, so they sounded the alert to protect their financial interests.My debts are around {$10000.00}, but the amount of money in my 401K, ( which substantiates my net worth ) is around {$290000.00}, and my salary is $ XXXX/year so it's not unreasonable on my part that I can pay it all back.

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 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC
State: TN

Complaint narrative:
I am a victim of identity theft and have worked hard to get inaccurate information from the credit reporting companies that are out there! I requested a report from Certegy and found 1 item that I was sure that was not mine. I asked them to remove it from my file.

They refused. They said it was not a negative entry. First, it was not my check cashing transaction and it was noted, " Not authorized-reason below ''.

" This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Factors may include a combination of the check number, dollar amount, check cashing history or other transaction details. '' I was not the person that presented this check to cash so I requested that it be removed, however each and every time I talked with them they refused.

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 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: WI

Complaint narrative:
I used Remitly.com to conduct a transfer for a business transaction to pay an invoice for goods/services provided in XXXX XXXX. I entered the information for the recipient including banking information for a direct to account transfer. The transfer was initiated within seconds. Within one hour I received a notice that the there was a delay with the transaction so I called Remitly.com and they explained that the the recipient bank refused the transaction without any real specifics. I asked if it was because the recipient account was a business account. They then told me that indeed they can not accept transactions to business bank accounts. I said fine, cancel the transaction. Again, this was within an hour of the start of the transaction. This is where the problem begins. I then receive multiple texts and emails informing me that the there is an issue with the transaction. I email and text back that I already spoke with someone and that the transaction was cancelled. More texts and emails. ( This continues for three days ). I again inform them that the the transaction should have already been cancelled. In the meantime I notice that the funds have been withdrawn from my account. Granted it's only {$310.00} but the point is that the transaction was cancelled immediately and they were the ones who informed me that the transaction could not be accepted. ( Their website shold clearly state that no transactions can be made to business bank accounts ) The the fourth day I finally receive a notice that the transaction has been cancelled and that they will refund my {$310.00} with the notice that it can take up to 10 business days for the refund to clear. So here is the real complaint. Whey can they take money from account within minutes ( for a transaction that they knew immediately would not go through ), yet they are now allowed to hold ( FLOAT ) my money for 10 business days? This is not fair business practice and it is clear that they are simply holding my funds ( and likely millions of other dollars ) to gain financial interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: Home Loan Center, Inc.
State: FL

Complaint narrative:
I have written to the company no asnwer. I have written and sent documents to all three bureaus and the company. Nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On the weekend of XX/XX/2019 I lost my entire purse with my cellphone, and wallet including my USAA debit card, Drivers License, and a few other cards, receipts, and miscellaneous documents.On XX/XX/XXXX I called USAA to inquire about an alert on my account. I spoke with 2 reps that day who advised of a deposit of {$7100.00} which I stated I had no knowledge of nor should the deposit be there. They also advised me of 2 withdrawals shortly after one or {$2000.00} and one for {$2900.00} from a XXXX supermarket. Upon getting this information I proceeded to dispute the transactions. While in that process 2 inquiries also appeared on my credit report one for XXXX XXXX, & one for XXXX on which I disputed as well. At this point my identity has been stolen. I advised this information to USAA as well. About a week or so later i got notice the dispute was completed and deemed not fraud. On XX/XX/2019 {$4900.00} was taken from my account from what USAA states is a reversal of the 2 withdrawals. They have since been contacting me to pay off a collection on the account for the {$4900.00} that was fraudulently taken from my account. I have since had to get many identity theft measures in place and place blocks on everything. I tried to resolve this matter with USAA however to no resolve as once they deemed the transactions non fraud they would no longer assist me. From the beginning of this situation I spoke with about 7-9 different people with the absolute WORST customer service I have ever received. USAA stated that my claim was denied due to the card with the chip being used along with the pin however with everything inside my purse being stolen that information was easily obtainable as my cellphone was also inside.My greatest concern ultimately is how the withdrawals even happened to begin with. If a deposit as large as {$7100.00} was done on an account where no more then 500.00 has ever been deposited the account should have flagged then at that point. The deposit certainly should have at least pended or held for 24 hours being such a large deposit. Not only that the culprit was able to make 2 large withdrawals from the same XXXX store over 2000.00 on the same day of the deposit which should not be able to happen either. I made an attempt to file a police report with the XXXX PD however being that the withdrawals took place in XXXX they stated this was outside their jurisdiction. I am now working with my Lawyer to attempt to resolve and obtain some sort of video of the person making these transactions as it was not myself and is absolutely FRAUDULENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I applied for a mortgage modification with my current mortgage holder Select Portfolio Services. I was told verbally that the trial modification was approved. I waited for the paperwork to evaluate the terms. It never came by US Mail. Therefor I requested that the paperwork be sent via fax. It was received on XXXX. I asked my family attorney to review and thinking I had until XXXX to make my first payment. I was told on XXXX, as I called the company ( SPS ) to ask a question in reference to the terms that they closed my modification on XXXX. I feel as if due to the delay I receiving the paperwork and allowing the time for review I should at least have until XXXX to make my first payment. Please assist and or advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
It is the first time I heard about the company named XXXX XXXX. What happen is that, the bank called me and said that they canceled my application and Issuance of Debit card because XXXX XXXX told that my Account at XXXX XXXX Issued a token.on my account.But that token that Chex said is a dispute on my account at XXXX XXXX, and I wasn't aware of that. Because there's always someone accessing my account not only at XXXX XXXX, also to my account at XXXX XXXX and XXXX  XXXX XXXX. That is why those account got closed due to the transactions that I didn't do.Because I am having issue accessing my account because all the device i '' m using was been compromise, and even all my email account and social media account. I think it was planted. Imagine, even my assets, investment, insurance, shares of stock and dividends are being manipulated already.by the called third party and maybe, Chex is affiliated with this third party.

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 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
On XX/XX/2019, I made a payment to my Wyndham Rewards credit card ( issued by Barclays US ). The payment was immediately posted to my credit card account and then removed from my credit card account with an explanation that my checking account that I used to make the payment was " closed ''. This is incorrect. The checking account that I used to make the payment is open, remains open to this day and has been used repeatedly to make payments to other credit card companies. On XX/XX/2019, that very same payment was removed from my checking account. I have tried to address this issue with Barclays through their website 's secure messaging system, by phone, and in writing. As of this date, I have only received acknowledgment of my correspondence and no indication of how or when this issue will be resolved. Meanwhile, Barclay 's is charging me late fees and interest on late fees because I have, so far, refused to duplicate that payment from 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 explanation
Consumer complaint received 2019-10-07 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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage loan was bought and sold several times within the first year of my family owning our home. This is a secondary mortgage loan. 
In XXXX, I made a payment to my previous lender based on an ACH already setup, not knowing the loan was bought by a new lender. After realizing the buyout had taken place, I checked the new lender site on XX/XX/XXXX to make a payment. I made two payments of {$48.00} ( {$96.00} total ) thinking I was making payment for XXXX and XXXX. The loan was bought out XX/XX/XXXX. I thought it started XX/XX/XXXX. 
I was never notified of a late payment in XXXX, because apparently I was only making a payment for XXXX and XXXX. I never received a phone call, email, or a letter in the mail notifying of the late notice. I now have a 30+ late notice on my credit for XX/XX/2019 for a {$50.00} secondary loan payment I was never notified about. We are in the process of re-financing our home to payoff this secondary mortgage that has been bought and sold multiple times of the last year causing a lot of confusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I opened two separate accounts with this company Acima. One was a Jewelry account and the other was a furniture account. I had a discrepancy with Acima over the the date the furniture was received which in turn would affect my 90 day payoff amount. I spoke with their supervisor he quoted me a payoff amount as long as the date I quoted them, based off when I received my furniture. I payed the exact amount he quoted me to pay the account off. I called back to check on the account a few days later and there was another charge, called backs again after that about a week later and the charge kept increasing. At the time no one would close the account even after listening to the previous conversations that were recorded. I became frustrated and let them know I would not pay any more money on either account ( including the jewelry account ) until the situation was rectified. The account was finally rectified weeks later but they had reported to the credit bureau a 30 day late payment. Both accounts have been paid and cleared but the 30 day pay is still on my report and has dropped my score by 50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been contacting them since XXXX of 2019. Still unable to show me any proof of consent. Im unable to continue my studies.

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