vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Purchased a shower door through LOWE 'S. Was offered to apply for a credit card to take advantage of 6 months no interest - I consented since it was a large purchase. Received my first statement and showed that i am being charged interest. Called Lowes, they told me to take it up with the credit card company. Called the credit card company - they say take it up with the store. NO one seems to care, this is highly deceptive, I am being charged interest, I have hard credit inquiry that impacted my credit, and for some reason they processed a business card for me and I do not own a business. Certainly a bait and switch.

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 2019-12-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CT

Complaint narrative:
re : direct expressdebit card. on XX/XX/2019 iwas charges $ XXXX.on XX/XX/2019 iwas charged {$2500.00}. I reported these fraudulent charges. on XX/XX/2019 I received a credit of {$2500.00} leaving a balance due me of $ XXXX.i have called and written numerous times with no results. please help XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account i disputed. being that they have gone past 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified ' that i have disputed. please resolve this issue immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i am filing this complaint because experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account i disputed. being that they have gone past 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified ' that i have disputed. please resolve this issue immediately

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 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Sunday XX/XX/2019 I contacted my bank ( Bank of America ) to report two fraudulent transactions on my debit card. I have a joint account with my husband and we both have debit cards, both have their own card number. The Bank of America representative assured me the the fraud charges were only on my card and that to prevent further issues, cancelled my card and my card only. The representative then ( without my knowledge ) cancelled BOTH cards associated with my checking account. I did not authorize the cancellation of my husbands unaffected card. He did not inform me that he cancelled my husbands card as well. I actually confirmed with the representative multiple times that my husbands card was fine and that it would still be usable. He assured me his card was not affected with fraud and would be usable like normal. 

Yesterday I went to make an online purchase on XXXX using my husbands debit card ( we also have a joint XXXX account ) and the purchase was declined. That is how I found out both cards were cancelled. 

After contacting Bank of America again all they could do was say " sorry '' and essentially send me on my way to just wait for our new debit cards to arrive. No emails, alerts, messages, texts, NOTHING was sent to either myself or my husband informing us about the debit cards being closed so until we would go to make a purchase, we wouldn't know that we had no access to our money.

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 2019-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Performant Financial Corporation
State: GA

Complaint narrative:
In the past 4 days I have received 24 calls, the last two very threatening.

They asked me to provide my PII ( social and date of birth ) The callers only gave a ID number said too fast to write down. They became very threatening when I told them I would not give them my PII because I have been a victim of ID theft and credit card fraud. 

I was threatened this morning by a man. When I called the number back from which he called, I was connected to an adult live chat line. 

The man told me he would track me down on the streets and that he would get my social or take everything I own. He claims to be from a company called Premier Credit of America LLC. When I call the branch in XXXX, they just hang up the moment I mention the calls I received. 

I am fearful for my well-being at this time due to the threats made by these people who are seeking my PII in an phishing attempt. If it legitimate, then these collection persons are breaking the law. They say they already have the information but need to verify who I am and the only way I can do so is to provide them the information they demand. I have asked them not to call but the calls continue. Calls started on XXXX XX/XX/2019 and the last received this morning XXXX XX/XX/2019. 

All calls have been threatening. I gave no information about the myself, trying to get more information about the so called debt. I would have hung up right away but I have been battling clearing the ID theft and CC fraud for years, the primary numbers they call from are XXXX and XXXX. 

I have filed complaints with : Consumer Financial Protection Bureau. 
Federal Trade Commission. 
My state 's attorney general. 
XXXX  XXXX  XXXX. 
I am seeking at this time an attorney to file a civil suit.

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 2019-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Please note that I attempted to get my complaint resolved with the company before filing this complaint, via phone and email. Via phone I was denied the fee waiver by two different agents. And via email I was ignored, twice ... I have been a customer of Capital One 's for 2 years, and my credit up until recently has been 'Good '. Even now it's 'Fair '. Yet they have not once given me any other credit card offers that do not have an annual membership fee. I currently own two other credit cards that do not charge membership fees. Therefore I really do not need them at this point. So they can either waive the membership fee that they just charged to my account on the XXXX, or they can close my account ... Their response to my complaint will determine whether or not they value their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I accessed my account on XX/XX/23 in the afternoon and noticed my account was overdrawn by {$120.00} # #, Upon noticing I planned on making a transfer from my savings account ( which had plenty to cover it ) after work and XXXX shopping. I made a cash deposit & savings transfer @ XXXX XXXX and my account was in the positive. My wife goes to use her card this morning and it declines, After checking the account. I was charged a {$36.00} overdraft fee even though my account was in the positive. I called Customer Service and they informed me due to a XXXX cutoff. It was due. they refused to issue the credit back due to inconsistency on terminology & " terms '' online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
not my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute via certified mail ( XX/XX/2019 ) to the 3 credit bureaus to remove my non account holding dealership hard inquiries under the 1681 Fair Credit Reporting Act. XXXX  removed them no problem. However, I called XXXX  and Experian ( XX/XX/2019 ) and was told that there was nothing i could do to remove them. Even after i explained that i didnt give authorization for the dealerships to run my XXXX  credit 32 times and my Experian credit 52 times. Its affecting my score negatively AND that they didnt verify any of them. I contacted each dealership and finance company and none of them have any of my information. Soo theyre violationg the 1681 Fair Credit Reporting Act as well as falsely validating information 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 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I submitted a fraud claim for a check of mine that withdrew money from my checking account at Citizens Bank with a forged signature. The missing checks were tied to a car break-in that happened to me over two years ago. This check was cashed on XX/XX/2019 for {$600.00} and the signature on the check is clearly not mine when compared to other checks. On XX/XX/XXXX, I received a notice from the bank that they are denying my claim, saying that it was my fault that my checkbook which was inside a bag, hidden and locked inside my car was stolen. I'm not sure how much more secure a checkbook can be aside from being locked in a safe. 

Furthermore, on XX/XX/XXXX, I've been notified another check has been cashed with a clearly different, forged signature for {$300.00} after I had already spoken with my bank to get my account frozen so that no further withdrawals could be made. The bank is still claiming the theft is my fault and requiring me to send a written letter to get the fraud case reviewed. I have called the XXXX Police Department to receive a case number for the forged checks. 

It is unreasonable to place the blame on the victim of a theft for their property being stolen when checks require signatures precisely to ensure that people are not fraudulently using them. If the bank can not be expected to compare signatures on the checks to prevent the fraud, what is the point of requiring signatures for checks in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified ; that i  have disputed. please resolve this issue immediately

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 2019-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I had a notification today about a collection for this company. Never did i get anything about this debt and then it pops up on my credit report. No letter no phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Im in debt management company and Navient calls me multiple times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute via certified mail ( XX/XX/2019 ) to the 3 credit bureaus to remove my non account holding dealership hard inquiries under the 1681 Fair Credit Reporting Act. XXXX  removed them no problem. However, I called Equifax and XXXX  ( XX/XX/2019 ) and was told that there was nothing i could do to remove them. Even after i explained that i didnt give authorization for the dealerships to run my Equifax credit 32 times and my XXXX credit 52 times. Its affecting my score negatively AND that they didnt verify any of them. I contacted each dealership and finance company and none of them have any of my information. Soo theyre violationg the 1681 Fair Credit Reporting Act as well as falsely validating information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i am filing this complaint because XXXX, XXXX  and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified ; that i have disputed. please resolve this issue immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i am filing this complaint because experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank XXXX XXXX XXXX XXXX XXXX MI XXXX Their A.C.H dept put a hold on my wife 's last SSID check amount {$1200.00} this happened on XX/XX/2019. This check came into our account on XX/XX/2019 at that time the bank held the funds for two day then released it. 
It has been verified by three different representatives at our Social Security that this check was a good check and all three have no understanding of why they are holding the money. 
At Chase XXXX told me that SSID was holding the money the day of the hold XXXX of XXXX One problem is there's no phone number to call to help resolve issues with Chases ACH dept. all communication is done via e-mail. 
SSID was NOT holding the money Chase is. 
Her ACH department we fine out on the XXXX  is re-guesting a letter from SSID they will not reclaim this money and wanted the document faxed to them stating this. Problem is SSID do not write letters and would not help me with a letter. 
So I was instructed by SSID that these steps are the only way I can get my {$1200.00} off hold. 
# 1 cover the deficit of {$330.00} # 2 Have Chase send the money back to SSID # 3 I have to file out a three page form to request my own money back and wait up to 60 days I did cover the appropriate amount om Monday the XXXX, today as of the minute the money is still on hold. 
I did communicate all of this with Chase bank ( XXXX ) on the XXXX. 
here is what it looks like to me 1st holiday season without my wife, I XXXX at XXXX to take care of her with XXXX XXXX, I'm on a small SSI income I had to come up with {$1500.00} to cover the check to have Chase send the money back, and have money to pay bills. 
This is day 12 with with my money on hold and no one at Chase seemes to care

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello ... I have had a small business account with The Bank of America since XXXX. Since XXXX I make one monthly deposit of all of my checks and the checks are available for use the next day. I have never had a check bounce. I never overdraw my account .... Starting in XX/XX/XXXX and every month thereafter, the bank has been putting a 10 hold on all of my checks. In reading U.S. Code 4002, it appears that the longest a bank can hold a nonlocal check is 4 days. Here is the section of the law that refers to this : " ( 2 ) Availability of funds deposited by nonlocal checks Subject to paragraph ( 3 ) of this subsection, subsections ( a ) ( 2 ), ( d ), and ( e ) of this section, and section 4003 of this title, not more than 4 business days shall intervene between the business day on which funds are deposited in an account at a depository institution by a check drawn on a nonlocal originating depository institution and the business day on which such funds are available for withdrawal. '' When I mentioned this to a manager of BofA she said that their bank policy can hold the checks for as long as they want. The phone call with the bank manager was recorded on XX/XX/XXXX. I spoke to XXXX in the South Carolina office. XXXX said that they did not have to comply. That there could be reasons why a 10 day hold is necessary. When I asked what I did wrong to warrant this, she could only reply with they can do that. There was no willingness to hear that they may be breaking the law. Just that " their policy can allow them to do this. '' Holding my checks for 10 days makes it impossible for me to collect my checks, deposit them and have my workers paid in a timely fashion. Can you please help me with this?

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 2019-12-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Entered a sales contract during a cruise to XXXX on XX/XX/2019 ; we were told the gems are of the best price and quality - not true after checking when return to New York. 
Ask to cancel on XX/XX/2019 but not possible. The products are XXXX to my house but we asked XXXX to return to sender ; so they have the products with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to get my credit freeze lifted with Equifax but when they ask me security questions to verify my identity they keep asking me about accounts, credit lines, mortgages etc. that are not mine. I have to answer " none of the above '' to all questions because none of them are related to my credit history, and then I get denied access to my account. I have tried talking to them over the phone as well but no one is willing to help me. So I am unable to lift my credit freeze. Seems like they have mixed up my report with someone else 's but they refuse to help fix this!

Company response to consumer: Closed with explanation