vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My local Bank of America branch manager offered a free Business Advantage Checking account, if I used their payroll services. On XX/XX/XXXX, I applied for a business checking account with Bank of America. On XX/XX/XXXX, I received the Welcome Letter indicating how to qualify for the no-fee account ( enclosed ). I was told verbally in person, and in writing, that as long as I kept Bank of America 's payroll provider, XXXX, I would have a free Business Advantage Checking account. Due to these promises, in writing, I went with Bank of America. On XX/XX/XXXX, Bank of America charged me a {$29.00} monthly service charge. I called Bank of America on XX/XX/XXXX to have the monthly service charge removed. The customer service representative stated that Bank of America had changed its policy regarding service fees. I asked to speak with a manager, who stated the same policy. I informed him that I had it in writing that as long as I use their payroll service, I would pay no monthly service fees. He then stated that Bank of America had changed my Account type and that there was nothing I could do. I never agreed to any changes. He also stated that I would have received a package in the mail, AFTER I opened this account that would have had many disclosure and exceptions stating Bank of America could change its accounts and policies at any time. Well, that's not the agreement we made, nor how I was enticed into doing business with Bank of America. In this time, where businesses are struggling to stay afloat, I find it appalling that Bank of America would engage in bait and switch tactics to illicit new business and then engage in unfair and deceptive business practices to pad their bottom line. It is the epitome of big corporation greed and everything that's wrong with Corporate America.

Given the fact that I have, in writing, the policy that states as long as I engage in one of the five qualifying criteria that would entitle my account to no monthly service charges, I'm respectfully asking that Bank of America remove the current charge of {$29.00} and all future monthly service charges, as per written and oral contract. Should Bank of America fail to respond to this complaint or refuse to remove the current and future service charges, I will seek any and all remedies available, including damages. I will also file complaints with the Massachusetts Attorney General 's Office of Consumer Affairs and appropriate Regulatory Banking Authorities. I will also be forced to follow the advice of a legal professional regarding any and all legal remedies, including damages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
The following company I.C Systems has falsely reported a debt not owed on my consumer report. I have contacted the company to resolve issue, they have failed to provide any documentation that we have ever done any business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
The company closed this card in XXXX. The wanted to verify some information from me and it could not be verified because they sent information to an address that I no longer live at. There is also a fraud alert on the account so no account should have been open or closed. To properly verify my identity, I went into an actual Victoria Secret to show my ID to open a card the right way since this was not done with the previous account. Now please remove that closed account from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: ME

Complaint narrative:
I requested my newly changed legal name to be updated with the company " Binance.US '' in XX/XX/2021 in order to be able to file my taxes but I am not getting any support from the company at all. They didn't even need additional information from me other than to confirm whether I wanted to update my name or not. I still haven't heard back from them and it's already XXXX. I still can't file my taxes because of their inability to update my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Barclays Bank Delaware constantly calls me late at night and demand I resolve this debt. 

This company is not licensed in the State of Indiana to collect debts or any collections. 
Please see the attached file describing the search and no data found for this company. 
This collection agency is violating State Licensing Requirements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Century First Credit Solutions
State: NJ

Complaint narrative:
I applyed for XXXX XXXX 3 years ago and was put on a payment program. Last year in XXXX I was suppose to be done with all payments and my creit was suppose to be fix by XXXX of XXXX. I'm trying to reach out to them about my credt becuse this is the day that my credit stil not fix and they are not providing a fair answer or to be fair no answer at all. The costumer support line is not opperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
With reference to my multiple complaints raised to get back my money which is currently with chase and last complaint # XXXX which is closed without resolution and sending my money by chase, Please reopen the request and request you not to close until I receive my checks at shared address. The required documents were already shared with chase with notary and every-time chase just asks for documentation from me but have not resolved my issue by giving back my money since XX/XX/2019. The amount of {$6500.00} and {$900.00} which is my money with chase bank. Documents are attached in this complaint since I am tired of this repeating process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Attempted to issue a cashier 's check for a home closing on XX/XX/2021, but was unable to via mobile app or web. Also attempted a wire transfer. In both cases, was unable to - only receiving the message " we hit a snag ''. Called customer service line and was told they would investigate but no timeline was available for resolution. Called back on XX/XX/2021, to follow up - given the urgency - and was told the same and offered no alternative to execute the transaction. At this point, I'm unable to move forward and my home closing is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AL

Complaint narrative:
I have contacted XXXX with whom I pay my car note through, I have contacted XXXX XXXXXXXX in reference to 2 credit cards, and I have contacted XXXXXXXX XXXX for my 3rd credit cards and all 3 creditors have advised me that information was sent over to all 3 credit bureaus to update my file to reflect what should be current. I reached out to Transunion about this and initially the representative stated he would file a dispute because they haven't received anything. I told him I didn't need a dispute and that it sounded like a glitch on their end with updating my file. There is no way 3 creditors would tell me the same thing and when I go check my XXXX and XXXX report it is showing updated for my 3 credit cards and my car note for what I have paid most recently. Then the representative stated he would place a comment on my credit file and I told the representative I am not giving anyone permission to place a note on my credit report when all Transunion needs to do is find out why they haven't updated my credit report to reflect what is accurate. It was after the fact I told the representative that I was filing a complaint that he stated they would look into the situation further. Please require Transunion to investigate what their issue is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I have tried several times to request a copy of my consumer report from sage-stream via their website and my mail. I was advised that i would received it within 10 days from the date of the request. I requested the report twice in XXXX and twice in XXXX of 2020 and XX/XX/2020 with no luck. I demand that this company send me a copy of my consumer report via mail immediately as it is my right as a consumer to have a copy of such file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
PayPal closed my account with {$1100.00} for no reason in 2020 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
I have been going back and forth with this company for over six months. The last complaint they agreed to change the account status as fraud. Upon a check of my credit report it still remains. If its updated as fraud, while is it still on my report. I do not have anything associated with this company. I showed them a prior settlement with another company. All they can suggest is make a police report for something that happened almost 5 years ago. The police report will be fraud on this companies part. All I want after 6 months is it closed and deleted. Next steps will be civil litigation over {$50.00} bucks that they probably invested to buy this fraudulent claim. I am not going to pay something I don't owe. Sorry if they don't close and delete then I will file my own civil claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted American Express to resolve the issues previously reported with this agency in regard to contacting me, and offer a settlement to avoid possible litigation. The letter specifically states that it is " not a validation request ''. Please see the attachment titled " SettlementOffer21821 ''. Rather than resolve this matter, American Express, continued to respond as if the letter was a validation request, or " dispute ''. Beginning on XXXX, XXXX, XXXX, American Express, first sent an improper message stating that it wanted to contact me, via email, in regard to a " dispute '', but the address wasn't working. Then on, XX/XX/XXXX, American Express, wrote to state that in " response to my inquiry '', their alleged account is in internal collections. Finally on XXXX, XXXX, XXXX, American Express, contacted me to state that they have not finished investigating " my inquiry ''. Please see the attached document titled " 321violations ''. Of course, there is no inquiry, or intended dispute at this time, and these responses are improper. Again, I contacted American Express in hope of reaching a settlement agreement without intervention. These messages are further violations of past complaints in regard to American Express dubiously bombarding my mail box with its alleged and unwanted documents, rather than providing a proper response in hope of resolution. I contacted American Express in XXXX to stop contacting me under the Fair Collection Acts. This complaint is not a validation request, or intended as an admission or denial of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I sent a letter to Advance Resolutions Services , Inc on XX/XX/2021 located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX and they received my letter via certified mail on XX/XX/2021. I requested that they mail me a copy of my consumer disclosure report and they have failed to do so. I want my consumer report mailed to me immediately as it is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/2020 when the pandemic hit, we called SunTrust to inquire about the process of a forbearance ( we are both realtors and needed to know how they worked for our clients as well as for us in the event the real estate market took a nose dive ). They explained the process but we never asked to be placed in forbearance, we never signed paperwork to do a forbearance, and we never missed a payment. 

In XXXX, we got a letter from SunTrust stating our forbearance was ending and asked if we wanted to extend it. We wrote back saying we never exercised the forbearance and told them to remove that from our record. Clearly, they didn't. 

We are now trying to refinance and are not getting approved because " we were in forbearance until XXXX. '' We've been on the phone and emailing daily trying to get SunTrust to send us a letter stating we were never in Forbearance but they wouldn't do that. They said they would only send a letter saying we cancelled in XXXX. 

Secondly, our statements show that there are Unapplied Funds. There has been no explanation for that. This is the second reason we are not getting approved for our refinance. 

Further, we received a letter yesterday from the XXXX  XXXX  Client Representative, XXXX XXXX ( who failed to return any of our calls ). Why do we have a home preservation client represenative if we aren't in forbearance????? The mortgage loan payment history she sent shows " suspense '' at each of our monthly payments. Why? 

XXXX  XXXX  - We never requested a forbearance, we paid on time every single month and we request a letter clearing us of this financially devastating erroneous status. 

We have spent hours and hours and hours trying to get it rectified and yet, we can not get a letter stating we never signed up for the forbearance. 
We are at grave danger of losing our lock and if we do, we will lose the opportunity to save {$2000.00} per month on our new mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CITIBANK, N.A.
State: DC

Complaint narrative:
My XXXX payment was credited one day late, and I was charged a {$29.00} late fee and {$53.00} in interest. I mailed a dispute letter to the company on XX/XX/2021. I disputed the charges because I had ordered my payment on time from my bank by ACH as usual, but the credit card issuer refused to accept ACH payment, so the bank had to send a check. This sudden change in terms caused the late payment. Despite my dispute, I paid the ENTIRE balance due on that statement. I never received response to my XX/XX/XXXX letter. Despite my payment of the ENTIRE XXXX statement balance, credited four days prior to the next due date, my XXXX statement included an unexplained additional charge of {$25.00} in interest. I wrote again to the company in a letter posted on XX/XX/XXXX and have again received no response. I paid the balance due on my XXXX statement, deducting only the {$25.00} in interest. Now I have received my XXXX statement, on which I again have been charged {$13.00} in interest without explanation or response of any kind to my letters. My account is not in arrears, and I dispute both the original {$29.00} late fee and the subsequent interest charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: IA

Complaint narrative:
The State of Iowa has an inferior system for people to apply for unemployment benefits. They do NOT require two-factor authentication or validation that the individual applying for benefits is truly who they claim to be. 

Additionally, prior to complete approval and validation, the state of Iowa contracts with US Bank to automatically issue a Reliacard on behalf of the fraudster. In this case, both the state of Iowa and US Bank are responsible for issuing a card for an account/individual who used my information WITHOUT confirming that it was in fact me AND AFTER I had spoken with a fraud investigator with the state of Iowa. 

Additionally, US Bank 's phone number listed on the Reliacard does NOT handle any complaints or fraud issues, despite their website stating it does. Additionally, US Bank offers NO automated prompt to find a live individual, instead requires that you input already breached or inaccurate data to discuss. 

Finally, only through their website, does US Bank allow the victim ( me ) to submit a claim to close the invalidly issued card and sends NO confirmation that said card and account have been closed. Likewise, there is not remediation with US Bank to ensure they will NOT act in a similar fashion at the behest of the State of Iowa, should someone once again attempt to use my data to receive unemployment benefits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2021, Paypal made unauthorized transaction causing a negative balance of {$130.00}. XXXX XXXX XXXX XXXX, XXXX, XXXX , VA XXXX ; has filed a false claim with XXXX XXXX once XXXX XXXX XXXX his false claim, an unauthorized user deducted money out of my account. 

Paypal has held funds from every transaction illegally under the electronic funds act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: MI

Complaint narrative:
I am XXXX XXXX. 

In XX/XX/2021, my credit card account with Capital One was closed without prior warning or to my knowledge. 
( Capital One, Attn : Payment Processing, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ) They said it was because of 3 returned payments but they'd taken me off of electronic communication so I had no idea what was going on. The card was secured so it was paid off but they refuse to reopen it unless I reapply. It is negatively effecting my credit report and I I deserve to be treated better than that after a 5 year relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation