vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
XX/XX/XXXX TCF- charging over draft fees XXXX and sending a " notice of overdraft XX/XX/XXXX '' same day 'supposedly '' over drawn- When on this day XX/XX/XXXX I have receipts of XXXX  {$6.00} at XXXX and a USPO {$10.00} united states post office ( book stamps ) @ XXXX Question here " How does a XXXX transaction electronic ( bank card ) end up on ( Same day XX/XX/XXXX TCF Notice of overdraft being sent out that day? 
On XX/XX/XXXX I had a mortgage payment XXXX  and online shows I was XXXX short/negative on " running balance '' to this date running balance did not change, I called customer service about this overdraft fee and response is ( different amounts of ' account balances- after mortgage payment went through - I said " It's obvious here that you see on your screen- completely Different amounts from what I see online-and I asked to have fees waived- response from bank representative is " No we can not waive the fee_ I then asked ( why not ) response ' Because ( you ) have a history of over drafts '' I said because I filed complaints in the past ' she then Hangs up the phone. I have seen complaints from other TCF customers who also have stated " Seeing Different Amounts on customers online banking compared to Bank reps on the phone- I feel discriminated by bank teller " my history '' I have a Right to file complaints '' and here again- I have enclosed copies of my retail purchases along with TWO Notices of overdrafts another XX/XX/XXXX **By Comparing these Two Notices- Proof Stands Out -as Duplicates of XXXX  and USPO charges with " Balances- BEING- Totally Different " Showing FRAUD Deceiving Misrepresentations/Abusive Conduct/Practices*** Most recent Court case against TCF in UNITED STATES DISTRICT COURT OF MINNESOTA CASE XXXX ( XXXX ) filed XX/XX/XXXX Judgment entered- *This is Substantially Same Facts /Same Conduct '' Continually Happening '' ( HERE is Proof- of Mishandlings- Intentional Acts ). 
It's obvious that TCF Deceptive/Abusive/Manipulations of Dates Amounts Transactions Notices Are All IN TCF CONTROL- Regardless of " Following Court Orders '' To Prevent '' any REOCCURANCES of Same Issues-Plus I have OPT-OUT On Overdrafts Fees '' There are No Justifications for Overdraft Fees- my " online banking " shows '' Differently and Bank Teller on Phone `` States again different amount and the Notices are Completely Different * So what is " ACTUAL PROOF ''? Notices are DUPLICATED CHARGES FOR SAME ITEM ( INTENTIONAL ) and MANIPULATED by TCF/Bank - WHAT IS A CUSTOMER TO TRUST? Notices-Online Banking-My Transactions Print out online " Does Not even show a " DATE_TIME_OR THE TCF LOGO- Same as Deposits date- BUT-No TIME. XXXX   receipts prints date AND time for electronic payments " bank card '' same USPO receipts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Recovery Solutions, LLC
State: CA

Complaint narrative:
My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company CONSUMER RECOVERY SOLUTIONS XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I paid this debit and did not receive letter verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today I was speaking with a XXXX XXXX XXXX XXXX representative on chat and they asked for my SSN I declined. As I was asking for pricing and possibly cancellation of service, I received an email from my credit monitoring service. XXXX XXXX XXXX XXXXXXXX XXXX.-XXXX  made an inquiry on my credit. This was not authorized. I wasn't even asked. I confronted the representative that I was corresponding with and they said they did not run a check. But I got the notice literally seconds after I declined his inquiry. I also have the chat screenshots, email of the notification and the hard inquiry on my credit. This is beyond UNACCEPTABLE. I need assistance as XXXX XXXX XXXX has only directed me to a fraud page instead of removing the inquiry. It needs to be rectified. I take care of my credit and this will negatively affect me. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WLCC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, Human Resources Department received an unsolicited fax from the collection firm purporting to be an Employee Wage Garnishment and demanding payment. The transmission also contained false electronically signed authorization to garnish. On a quick Internet search it appears that this firm is the subject of Alert Number : XXXX ( XX/XX/XXXX ) published by the State of Washington Department of Financial Institutions warning of unlicensed and unlawful debt collection practices from this firm. 

An online complaint has been filed with the CA Attorney General. We also tried to file an online complaint with the FTC but that site is not functioning as a result of the federal government shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2019 I was charged two {$35.00} fees for debit card transactions. XXXX XXXX charged {$12.00} and XXXX charged {$9.00} for my monthly subscription. I was told when opening my checking account at the XXXX, MN location that I had the option to " Opt-In '' to Overdraft Protection for my debit card. I was told that if I Opt Out and use my debit card, they can decline the transaction, which is fine with me. I opted-out because I feel its senseless to pay a {$35.00} fee for a small pos transaction. 
Well, Wells Fargo failed to let me know that they still have a secret way they can charge me fees for debit card transactions, by constantly using the word " Recurring ''. This is a massive issue and of course its Wells Fargo creating this situation. 

I contacted Wells Fargo customer service regarding my account and told them I am not paying those two fees as I opted out of that service and they stated its different and its recurring. All they could continue to say was the word " recurring '' and that its legal for them to do this. I did not agree to this, I was not informed of this, and I would NEVER in any world authorize this. 

Wells Fargo told me they would credit back {$17.00} of the {$70.00} in fees. That is unacceptable, I will not pay a dime for any of these fees I did not agree to. 
It is kind of funny how even after hundreds of millions of dollars in fines for behaviors similar to this, they have concocted a way to continue to bilk consumers out of likely millions of dollars in overdraft fees using this magical word called " recurring. '' No where in any of my checking account paperwork did I agree to this. 
I feel this is a form of fraud and I urge the CFPB to look into this matter.

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 2019-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I contact PNC regarding why my outstanding principal was not going down off pay for 11 years .It was told to me during the loan process that it was a fixed loan second mortgage and will be paid off with in 15 years but come to find out this is not true and was not disclose that is a home equity installment loan. I did not find out into I reached out to PNC asking more question about this loan type. They told me that I can refinance the loan which is almost the same amount that I started with for another 14 years. 

The correct information was not disclosure to me and my family regarding this loan. All the money I have paid in the last couple is going to the bank not to the loan amount which is still high. I am requesting that the company put some of the money I have paid into the loan because I did not fully understand the terms of agree upon at the time of services and was told something different. If lender states you are get a second mortgage ensure that the correct information is disclose to you and not get a home equity installment loan. This product is a waste they money thing you pay of your loan just too find out that you still owe the same amount. 

Please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company XXXX XXXX XXXX XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.

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 2019-01-16 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: The CBE Group, Inc.
State: FL

Complaint narrative:
I received several harassing phone calls from Collection Agencies representing XXXX XXXX XXXX XXXX   indicating that owed {$470.00} for a debt dating back to XX/XX/XXXX. The first Collection Agency identified themselves as XXXX XXXX XXXX in XXXX Illinois, Representative XXXX XXXX, she provided an address of XXXX. XXXX XXXX, XXXX, Illinois. XXXX XXXX XXXX. That called was initiated on XX/XX/XXXX. I informed her at that time, that I did not have an account with XXXX XXXX XXXX XXXX   much less owed them anything. 
On XX/XX/XXXX, I received yet another phone call from CBE Group indicating that they were representing XXXX XXXX XXXX XXXX in an attempt to collect a debt. They had my former name and asked for my social security number. That call was generated by phone number XXXX, and the caller refused to identify herself. She however, informed me that the telephone calls will continue until they I paid what is owed. I am a senior citizens with health conditions and find this abusive. I spoke to an Attorney who informed me that this is some type of Zombie Debt method that is used to force payment. I was also advised by the attorney that oftentimes these companies will show a payment received with a current date to continue their level of harassment and to circumvent the law. My concern is that this is not a debt that I owe and it is well over 28 years! In addition, I have learned through my research that XXXX XXXX XXXX XXXX is defunct. I requested that they put it in writing and to date have received nothing from either collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
At the end of XX/XX/2018, somebody counterfeited 3 Citibank checks and placed different names above my name. I was clearly out of the country at the time and this was evidenced by the fact that during the same peiod I was doing regular ATM withdrawals from XXXX. The checks were used to make several purchases at various XXXX outlets, with various XXXX membership numbers, in XXXX XXXX. The criminals also signed the fake names that they placed on the checks. At first, XXXX XXXX, in the Citibank corporate office of the bank, said there should not be a problem getting my refund if I go to a branch and sign the proper affidavits which I did. She even acknowledged that all the facts pointed to a situation where it was clearly no fault of my own and she knew the time frame fully well at the time. Then after several weeks another rep, XXXX who was also in the corporate office, said they refuse to refund me because I waited longer than 90 days to report the incident. The bank acted wrongfully because A ) They honored checks with names which they never issued checks to on the account. B ) They honored checks with signers on the account, other than myself, while I was the only signer on the account authorized to use the checks. C ) they charged me banking fees because my balances sometimes went under their threshold while this should have never happened and only happened because of the banks irresponsibility in handling my funds. D ) They had my wrong social security number on my account by one digit and refused to correct this until I came back to the country, thus making it almost impossible for me to regularly check my balances while out of the country. 

Something is seriously wrong here if a bank can take my money and hand it out to total strangers despite that checks were written in names never authorized to begin with. If I can not feel secure with the bank holding my money responsibly then the entire banking system is a farce. This is especially true when they refuse to take responsiblity for their own irresponsible actions

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 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity theft on my cedit report I called filled a completed with transunion but nothing has been done I trying to repair the damge the theft have done all these inquiry was not done by me XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX same inquiry also o n XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX also XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX thank you for your time hope you can help

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 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My husband passed away suddenly so I got behind on bills I got a loan from pnc bank to pay debt off more bills started piling in so I had to get help through a debt relief company I have spoke with a lady at PNC bank and told my problem and explained I was getting help my debt company has sent the bank 3 faxes stated they are in charge now and PNC takes the payment from them but keeps charging late fees on top on the amount they won't answer or give information to the debt company I'm using and I have gave the permission for them to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I'm currently going through a divorce. And I have recently discovered that my wife has used my credit to apply for products without my consent. Because of this, I have received several inquiries on my credit report that doesn't belong. The dates of these inquiries are as follows XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX 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 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I went to a dealer to see some cars and the y run My Credit to Many times and shows there that i have some Credit card that i never have before

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there have been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong 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 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays can not provide me with payment info, they give me a number for XXXX ( XXXX XXXX XXXX ) and online, and over the phone, they are saying they do not have the debt ( Ref : XXXX ). When I contacted Barclays again they then stated the debt had been moved, but have not given me payment details, meanwhile I accrue late fees.

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 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
This company continues to call my office number at work. They never say anything after you pick up, there is just dead air. With in seconds they then call my personal cell phone number which when you answer there is a recording stating all agents are busy and to hold. You hold, they come on the phone and do not announce who they are and will not tell you why they are calling unless you give them your social security number. 
They have been doing this for weeks now. I spoke with a representative on XX/XX/XXXX and told them they do not need to be calling my work number and to mail out any further communications if they need something instead of calling both my phone numbers 3-6 times a day. She was very rude and stated she will not mail out any notification because I would not give her my social. 

They need to stop harassing me and burning up my phone. They call from several different phone numbers numerous times per day. They spoof numbers in different area codes continuously. Today they have called from a XXXX area code and a XXXX area code alone. Both phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 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: CA

Complaint narrative:
XXXX acct # XXXX : Did not inform me ASAP about autopay rejection until I found out myself. It was only a error I made with my autopay check #. I would have resolved this immediately if I was informed ASAP. Instead 2 months without payment to XXXX happened. I paid more than the minimum payment after I found out the deficiency. 
I have since corrected the automatic payments and also decided to close the account. 

also : FICO score complaint : I applied and qualified for a " prequalifying '' for home equity ( approved for {$150000.00} ) and mortgage ( approved for {$500000.00} ) from XXXX XXXX/ XXXX XXXX because I am in a hunt for a XXXX property in Oregon . The prequalify is good for 90 days. It expired last XX/XX/2018 and so I renewed my prequalifying, which is again approved by XXXX XXXX. The thing is I still haven't haven't found a home that I want to buy but I want to be readily qualified if I find the home I like and while I still haven't found a home, my prequalifying will expire again in 90 days and everytime I renew mt prequalifying, XXXX XXXX will again recheck my credits and this in turn will bring down my credit rating? I think this is unfair and it shouldn't count against my credit rating because I have already been approved for the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My brother and I went to m & t bank in XXXX NY. With a promotional ad for XXXX sign up bonus to open choice checking account. So we both opened accounts. Well, 90 days and well over 4,000.00 worth of deposits between the two accounts. We are told the wrong promo code was entered. Between secure email. And phone calls finally get told wrong promo code was entered. And person is unavailable. Have called corporate customer service. That's how I found out about the wrong promo code. Still no resolve.

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