vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a credit limit of {$1800.00} at QVC. I had inadvertently missed a payment in XXXX of 2021. I had thought my due date was around the XXXX of the month but it in fact was the XXXX of the month. 
I called on the XXXX and got the {$35.00} late fee waived and then made a payment of {$200.00}, I then made an additional payment of {$100.00} on XX/XX/2021. In that time frame from the closing date of the XXXX or XXXX of the month I had my credit limit reduced by {$750.00} because I was late with one payment. 
I'm usually on top of my bills and try to pay more than is requested and pay before the due date. 
However the past few months have been trying and though I didn't tell Synchrony Bank, which has done this to other accounts I have just reduce the credit limit either because I was late or I don't know why. 
My mother had to be rushed into XXXX for a XXXX due to a XXXX XXXX XXXX XXXX XXXX. So my mind was someplace else. 
I don't remember getting a letter but if I did, it never comes out and says we reduced your credit limit because you missed a payment. 
I talked to 2 people today XX/XX/2021 at Synchrony Bank, one was a telephone rep and the other was an account manager or specialist. My call was recorded so I would suggest you request the call tapes for today XX/XX/2021. 
I called Synchrony bank at the phone number on the back of my XXXX. The number is XXXX XXXX XXXX XXXX, it was placed at XXXX XXXX  PST and lasted for 10:31 Minutes. 
The account manager or account specialist stated that the reason my credit limit was decreased was because I missed the XXXX payment, and because I was charged a {$35.00} late fee. 
If I wanted to have the credit limit restored I would have to give my financial information again and though I'm almost perfect in meeting my due dates for payment I have been late and been assessed late charges, so I feel I wouldn't be given a fair shot at having my credit limit restored. I want the credit limit restored based on my histroy with Synchrony and my payment history.

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I obtained my credit reports and found this debt on my report. I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2021 and it was received by their office on XX/XX/2021. The USPS tracking number is XXXX XXXX XXXX XXXX XXXX and the company has had ample time to respond to my request ; however, to date, I have not received any validation of this debt or any response whatsoever from the debt collector.

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received an email today from a company I have never had any contact with and they claim I owe money to Chase Bank. I have not now or in the past had an account with Chase bank in any state since before XXXX of XXXX  and do not currently have an account. I left in a friendly manner before XXXX  and owed nothing to them, no loans, no credit cards or any other outstanding account to create an outstanding bill. I left Chase because of their incompetence but owed them nothing. There are over 26 thousand XXXX XXXX in this country. 

Their means of contact do not work, phone disconnected, email returned and no information to contact them. 
The company ( if real ) is " XXXX '' XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. 

This attempt to collect a debt not owed through force and fear, a crime. Further, it is in violation of 15 USC 41 ; sec 1681, et. seq. 

Simply put, this is a dishonest company trying to extort money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have an online savings account with Ally Bank. 
On XX/XX/XXXX, there was an unautorized transfer of {$2300.00} from my Ally savings account into an account with XXXX. The XXXX account was created in my name without my knowing. 
I disputed the transaction with Ally Bank, notifiying them I did not authorize the transaction, nor do I have any association with XXXX. Ally Bank denied my dispute, but have not given me a specific reason why, other than saying I'm affiliated with the XXXX account. 
I have called Ally several times, reiterating whoever opened the XXXX account used my name, but it wasn't me. The money was stolen. I have gotten no where with them. 
I can not get ahold of anyone at XXXX. I have spoken with someone on the phone one time, but they needed more info, and were unable to help me. I have very little info ( because it's not my account ), so I continue to hit deadends. 
I have filed a police report with my local XXXX Police Department.

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 2021-06-09 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: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
On XXXX I checked my so-called credit score and I noticed a so-called unpair dent from a DEBT COLLECTOR : CREDITORS BUREAU USA The so-called original debtor : XXXX XXXX XXXX XXXX Had fraudulent reported my information to third parties, as a consumer I would like this fraudulent information deleted off my so-called credit score and I am seeking monetary relief.

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 2021-06-09 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: CO

Complaint narrative:
I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.

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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.

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 2021-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My mother passed away on XX/XX/XXXX. I first went into the XXXX branch of Bank of America on XX/XX/XXXX but they would not see me without an appointment, so I made an appointment for XX/XX/XXXX. On XX/XX/XXXX they called to confirm the appointment, I spoke to the rep and she gave me a list of what to bring - ID, copy of the death cert, surogates letter, etc. - and I had all of this. I went to the appointment on XX/XX/XXXX - sat and waited 30 min for the rep - then she asked me to wait again while she helped a 2nd person, so total wait almost 45 min ( note this was during my 1 hour lunch ) and then when I was being seen, she first started doing the wrong thing, then once I corrected her - she told me she needed a original of the death cert so she could scan it to them - I had a scanned copy - that would have worked fine ( this was confirmed by 2 other BOA people ). So she stopped the process and told me I had to come back. I made anther appointment - but suddenly that branch was closed so my appointment got bumped to XXXX XXXX 30 min from my house ) and I went there on XXXX as that was their next availability. Got there to meet with " XXXX '' but his computer was down so he could not help me ( he also was the ONLY ML rep at that branch - part of my need was ML ) but XXXX told me she could help - but she had someone in front of me - again waited about 20 min - then XXXX started the process and scanned over the docs required. But told me she cant approve the process- XXXX in Corp had to approve it, and she cant help me with ML. She told me she would watch the approval and call me back when I could come in to close the account ( this was XXXX it is XXXX and no call back ) - I went away for a few days and let things wait as I was out of town - no calls - no email, no anything from XXXX. On XXXX I tracked down " XXXX '' ( XXXX ) and spoke to him. He told me he would reach out to XXXX and finish with her and she would be in touch shortly. 24 hours later nothing still. He also told me the ML account could be closed and to send him a form with wire instructions so he could wire - 24 hours later nothing as well. This morning I sent a follow up email to him - no response. Reached out to estate services - no response.

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
back in XXXX I submitted request to validate the alleged owed debt reporting on my credit report. their reply was very misleading and I believe that this agency is collecting money from consumers who aren't bonded by contact to pay. I would love for you to take a look at my attachments as I hope it brings more clarity to my complaint. they are violating my consumer rights to privacy, as well as collecting unverifiable debt violating the fair debt collecting practice act pursuant title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC
State: IA

Complaint narrative:
XXXX That's the number they called from. A XXXX person called and asked bluntly of my social ended in XXXX and I was XXXX XXXX XXXX. Without asking who she was speaking with. I then asked her about why she would do that and she yelled don't come down my throat about a debt that you knew you weren't going to pay but you took out anyway. I was trying to explain that I'm XXXX and can't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Since XX/XX/2020, on the MoneyLion app I started their credit builder plus loan. It said I would get a {$150.00} bonus in the mail at the time within a week and never received it. Also, I was charged fees I was not aware of, such as {$9.00} membership fees that were charged twice a month. In addition, I have lost my job in XXXX and havent gotten unemployment so its been difficult trying to figure out how to pay for the loan that is supposedly going to be payed off in the future. However, they are taking long to respond to the issue and have taken 5 days to respond to my email complaint and still said they will have to review it, while I believe I deserve a refund. I am still getting charged {$39.00} dollars twice a month which has brought my account to overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX regarding a debt they placed on my credit report via their website, to receive more information regarding this debt. 
Today I called them since I have not heard back from them and they refused to send me any written documentation regarding this alleged account. I was told by the customer service rep it was mandatory to give the last 4 of my social, when I stated all I wanted was written documentation and confirmed my mailing address and was willing to confirm my previous address as well. She refused to send me any written documentation. When I asked to speak to a supervisor I was told I needed to hang up and call back after being placed on hold for over 20 minutes. 
I have never received a phone call nor written documentation from this company so I am unaware of this alleged account that's associated with my PayPal account that was closed to suspicious illegal activity. I have not used my PayPal account since XX/XX/XXXX. 
I have never heard from this company so I do not have an account number and my PayPal account has since been closed.

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Through several letters I have tried to get them to show me information that legitimizes the validity of that account. They submitted a summary of an account statement. They have not sent a contract in which my signature appears that legitimizes the debt. I don't know that company and I don't have a contract with them. They say they investigated and have resolved that dispute in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: VA

Complaint narrative:
I spoke with company paid amount in full they stated will remove it off my credit and didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

Complaint narrative:
see attachments why CFPB was setup please do not let this great system go away its protecting US Citizens helping us against the Bigger Companies : please fix all the FTC, FCRA, unauthorized Inquires, please see the good accounts paid in full that they dont list but, Just report the Negativities on a USA Citizens ... ... ... ... ... ...

Do they Company have United States BEST INTEREST at HEART!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
https : //www.coinbase.com/ ad stated ion their website that when any consumer opens account with them, they will give {$5.00} worth of bitcoin after their information gets verified.. 

We went ahead and provided all of the personal information including driver licence number and other information and went through the process over a month ago now and we still do not see {$5.00} XXXX  deposited in the account that we created. 


We have made multiple attempts to reach them via their Support email, but all we get is a generated ticket # and then no ones responses.. there is no customer service number.. 

The last ticket that we created is XXXX # XXXX - " Where my {$5.00} Free XXXX '' Someone needs to look into this company and find out why they are nor honoring what they are stating in their ad and collecting personnel information from the consumer..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 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: Synovus Bank
State: DE

Complaint narrative:
I rented a car from XXXX and I was apparently over charged which took me over my credit limit on my XXXX XXXX MasterCard by about {$250.00}. I paid the balance I owed and the amount that took me over my credit limit I paid with my debit card which my funds should have been available on my card within 24hrs it was not when I called I was told that my funds could be held for 30 days if I did not fax in a copy of my XXXX receipt showing that the rental card agreement was completed. Today I called and spoke with XXXX who told my self and my wife that the funds would not be released for 30 days, the funds would be available on XX/XX/XXXX and this was a requirement of visa not XXXX XXXX this is not true I don't even have a Visa card I have a Mastercard. Not only is the 30 day hold a lie because my funds so far have been held from XX/XX/XXXX by XX/XX/XXXX is far more than 30 days. XXXX was terrible in his explanation of what is going on with my card. This is not right I did not ask for a credit I just paid my bill in full including any amount over the credit limit. I want to know why I am being punished for doing what I am supposed to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: VA

Complaint narrative:
I paid company in full they stated will remove account after amount was paid in full and didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called Transunion today, XX/XX/XXXX, to discuss the inquiry reporting issue that they had previously, but the customer service representative told me that she could not help me remove the invalid inquiries from my credit report. The invalid inquiries are as listed below : XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX  Requested On : 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 2021-06-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Transaction Date : XX/XX/XXXX. 
My credit card was charged by a company called XXXX, {$6100.00} I have never communicated or visited in person or virtually with XXXX. 
I have no relations nor business with the company. 
I did not purchase any product or services from XXXX. 
I did not receive any product, material, or any type of service from XXXX. 
I never authorized any payment to XXXX. 
I never gave my credit card information to XXXX. 
I contacted a CHASE credit card fraud department first time in XXXX. 
CHASE contacted the XXXX and mailed me a letter from the XXXX, where the XXXX said that I made that payment to them in person. In XX/XX/XXXX, I put together a package with a letter and the airline ticket, to prove that I was on the flight from XXXX to XXXX at the time when my card was charged by XXXX. CHASE told me they will reopen my case and the investigation will take up to 90 days. After about 120 days I have been calling and emailing CHASE since XX/XX/XXXX. After my constant calls and emails to CHASE asking for the status of their investigation, they finally responded yesterday, on XX/XX/XXXX. In their letter, CHASE told me again that the transaction was legitimate and refused to refund me my {$6100.00} ( plus over {$1500.00} APR of 14.99 % in the last 23 and half months. ) Please help me resolve this fraud transaction and get my {$6100.00} from CHASE plus the interest. 

Please stay safe Warm regards XXXX

Company response to consumer: Closed with explanation