vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank ; Personal Checking Account ; Monthly Fee Issue. 

I have signed up a checking account at PNC with work banking relationship. I was told the only requirement to have to waive monthly fee is to have a minimum balance of XXXX. I always have met the requirement. On XX/XX/XXXX I was charged the fee, by calling the customer service rep on XXXX I was able to get the fee refunded. In addition, the rep confirmed it was caused by a system error, and as long as I keep XXXX I will not be charged. 

Fast forward to today ( XXXX ), I logged my online banking and I have found out that I was being charged by monthly fee on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with {$15.00} each. I called the online banking department and explained my concern. The rep was able to refund me one fee of {$15.00} and told me I was given wrong info and they can not refund me other 3 fees totaling of {$45.00}. 

Subsequently the rep helped me to switch to a different product which only need {$500.00} average balance to waive monthly fee. Please see attached pic of all the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
XX/XX/18 - Attempted unauthorized money transfer from my checking account. There was no information given to me regarding this activity from any personnel ( customer service, fraud department or otherwise ) at bank of america. I have called them several times and asked to have access to my account, and not a single person will give me access without going into a bank of america branch location. Currently, in the state of Idaho, I have to drive 7 hours to the nearest branch location in-state, or travel out of state in order to find a branch that is closer to me, which is 5 hours. I can not spend 10 hours of my day driving to and from a bank location just to have access to my account. In addition, bank of america has multiple  factors of security to authenticate someone when they log into their accounts. The activity that happened requires someone knowing my information that is written down on paper and not stored on a computer, and therefore there is no way for an anonymous person outside of my state to have stolen my information and been able to log into my account online or on a phone without hacking the bank of america website. In order for me to log into my account online, I have a username and password, and security questions and a second-factor code that is sent to my phone so I can log in. On the phone, I have a face-id application as well. This is completely outrageous and should be compensated for this grievous inconvenience.

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 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Compass bank made sure to put my account - {$3.00} despite having the funds in there so they could charge a NSF fee of {$38.00}. I had transfered {$20.00} which made it to the good but they put the other charge through first to make sure it was negative. With that, it cause my account to be negative again when my XXXX  for {$3.00} went through. I want to make sure the negative {$38.00} is refunded due to their illegal tactic to charge bogus fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I sent a cease and desist letter to IQ Data International about debt I am disputing Through the XXXX XXXX XXXX. Now they are calling 10 times a day and hanging up on me. They called my wife at her place of business and hung up on her four times. One time they simply asked where she used to live and hung up. This debt of {$300.00} involves a fraudulent billing practice where XXXX XXXX XXXX XXXX XXXX overbills clients for cleaning charges -- -charges they expense using in-house labor ( tax fraud ) they are also claiming we owe rent when we gave 30 days notice as required by Oklahoma law and were current on our rent when we moved out. It should be noted the apartment sent this directly to collections without sending us a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Recieved a check for a refund for XXXX from portfolio recovery associates dated XXXX 2015. Lost the check. Found the check. Called them to have them reissue the check and they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: FL

Complaint narrative:
Several years ago I had 2 charges on the checking account. I reported this and ALL of my Citi accounts Checking, savings and cards were blocked. I had to reset up my passwords and sign ins for security. The issue was I was paying on a closed Citi account # XXXX. I was told that I could not have a sign in because I no longer had a credit card to complete the authentication process. I was told I could manually call in if I wanted to pay any extra payment amount other than my minimum payment. They can set up another amount but I only know month to month what I have extra to reduce the amounts that are due. I can not manage my card as all other Citi card customers can because they do not have an alternate process to allow me to authenticate. I have been paying for years and my payment only covers interest and a small dollar amount for principal. I am not able to manage my account so I can pay my debt off quicker as any other Citi customer. I have called on this and I always get the same response. We can not help you. I do not believe this is fair and I am being charge thousands of dollars in interest over the last years because I am not able to manage my account so that it is advantageous 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 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have a mortgage with Ocwen and I believe that I have paid more into this mortgage then is required to be paid in full. I have had the same loan on this house since 1998 and believe it should have been paid off by now. Is there a way to find out if my payments have been applied properly by this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX and I have attempted to unfreeze my credit with experian for over a month. I have sent them all documentation requested, and in return they do not answer their phone, emails or correspondence. I received a copy of my credit report with information that i requested a security alert. This is a total lie. Experian is holding my credit report hostage and will not unfreeze my report. 

I am trying to apply for a mortgage loan, and can not until my credit is unfrozen. XXXX and XXXX both unfroze my credit. 

these are the papers i received from them. I tried to log in with the report numbers, and it will not let me do this. 

I will lose XXXX dollars of earnest money if I can not get credit unfrozen. 

I sent everything to them as well as certified mail, over 10 days ago. 

These people are ACTING UNETHICALLY, AND THE FACT THEY DO NOT ANSWER THEIR PHONE, SPEAKS VOLUMES. THEY ARE FORCING PEOPLE TO BUY THEIR PRODUC T. THIS IS WRONG, AND THE GOVERNMENT NEEDS TO PROTECT US AGAINST THIS UNFAIR BUSINESS PRACTICE., They need to be stopped.

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 2018-11-15 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: Synovus Bank
State: FL

Complaint narrative:
This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This account has been disputed on several occasions since early XXXX. XXXX, XXXX and XX/XX/XXXX this Capital One Account has been disputed with XXXX. The account comes back verified, but I am not provided any information as to how the account t has been verified. I have reached out to the company Capital One in several occasions with no success on any resolution. XX/XX/XXXX the capital one account was challenged through XXXX to provide verification. They opened the account, when the account has been closed since XX/XX/XXXX and then closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 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: MO

Complaint narrative:
This account has been disputed on several occasions since early XXXX. XXXX, XXXX and XX/XX/XXXX this XXXX XXXX Account has been disputed with Equifax. The account comes back verified, but I am not provided any information as to how the account t has been verified. I have reached out to the company XXXX XXXX in several occasions with no success on any resolution. XX/XX/XXXX the XXXX XXXX  account was challenged through equifax to provide verification. They opened the account, when the account has been closed since XX/XX/XXXX and then closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 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: FL

Complaint narrative:
This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.

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 2018-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.

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 2018-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, XXXX, XXXX ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This Account was disputed and deleted by the credit bureau ( Equifax ) in XX/XX/ 2018, it was then sold to another debt collector and is being reported again illegally and Equifax has allowed this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One issued a check for {$2500.00} to me for a credit balance owed to me. The check was dated XX/XX/XXXX. After not receiving the check, I called Capital One on XX/XX/XXXX, they told me it take 2 - 3 weeks to be received. On XX/XX/XXXX I called again after not receiving the check ; they informed me at that point the check had been cashed. I immediately reported to Capital One that the item was NOT cashed by me & reported the item as being fraudulently cashed ( stolen ). Capital One provided me with a copy of the cashed item, clearly signed by someone else. 
Since the I reported this item as being fraudulently cashed / stolen ; I have not received a replacement and I am out the {$2500.00}. I have called Capital One many times only to be told they are researching the issue and no one can give me any further information. The research turn around time is " unknown '' and no one can provide any answers or timeline, nor can they provide what research is being performed. I have spoken with endless representatives and I've captured some of the ID 's XXXX XXXX XXXX - said it was under investigation & I would get a call as soon as there was more information XX/XX/XXXX XXXX XXXX - could not provide any updates or answers XX/XX/XXXX XXXX ( didn't obtain ID ) said she was going to research & call me back by XXXX, no call back received. 
XX/XX/XXXX XXXX ID XXXX - couldn't provide any update, said it was under investigation & there was no one that could provide any additional information or detail. Refused to transfer me to the department handling the investigation. Said the person handling the investigation ID # is XXXX but they aren't available to give her an update & they will mail me a letter with investigation outcome & there is no turn around time for when I'll receive that letter. Refused to transfer me to anyone else, any other manager or her manager but did give her managers ID : XXXX Unable to obtain any updates aside from " it's being researched '' and I've been receiving that reply for 30 days now with no additional detail or turn around time. 
On XX/XX/XXXX I filed a police report and have a copy of the report. Capital One has NOT asked for a police report, nor asked me to file one. Capital One has not asked me for any information to assist them in researching this fraud / stolen check item. 
I am out {$2500.00} and I can not get any answers, them item was stolen and fraudulently cashed and did not benefit me in any way. 
No one at Capital One can tell me the protocol for this issue and what the steps are that I can expect. No written statement or any requests to verify my signature have been requested by Capital One. 
I will complete any requested information and provide full cooperation to assist Capital One in researching this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This Account was disputed and deleted by the credit bureau ( Transunion ) in XX/XX/2018, it was then sold to another debt collector and is being reported again illegally and Transunion has allowed 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 2018-11-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX provided me with a letter dated XX/XX/2018 stating the following : Please be assured, we updated the credit reporting agencies to report the credit limit as ( XXXX ). Please allow the credit reporting agencies approximately ( 30 days ) to update their records. ( See attachment. ) As of XX/XX/2018, more than ( 30 days ), the credit bureaus have not updated their records. Per the Fair Credit Reporting Act, the account must now be deleted from all credit bureaus.

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 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Innovative Collections, LLC
State: TX

Complaint narrative:
My collection repair firm sent a dispute letter to the collections company regarding verifying the debt my client owes. The date of this original dispute was XX/XX/2018. 

The collection company responded back with partial information originally requested by email on XX/XX/2018. The contract they sent was missing pages 6 pages from 8. The amounts there trying to charge my client is not in the contract and over charging on cleaning fee 's, a months rent when he already moved out after his 30-day notice.

When speaking with their collection manager on XX/XX/2018, she clearly admitted that they did not have all the information that was originally requested and claimed my client did not give notice. I asked for that information in our phone conversation and she did not have that ether. This company is attempting to collect on a debt with no information that is valid nor have sent all requested information to my client or my office and continue reporting his debt they say he owes unlawfully. When collecting on a debt the collection company must prove that a consumer owes the debt, this has not be done as originally requested. There fore I clearly see my client is being violated on his Fair Credit reporting rights and ask that collections stop due to this clear violation from Innovative Collections. 

Please see attached audio file, original complaint filed by email.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-15 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: FL

Complaint narrative:
I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, EquifaxXXXX XXXX ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: FL

Complaint narrative:
I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, XXXX, Experian ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get 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 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have an issue with M & T bank I financed a vehicle going back XX/XX/2013, I set up automatic payment An authorized the bank To withdraw from my bank account every single month The payment that is due for my finance the vehicle, in beginning of XXXX I inquired To take out a loan shockingly I see on my report That M & T bank is reporting me to the credit Bureau that I was late, I reached out to M & T bank For explanation And they respond to me That I did not pay the last Payment So I told them That I authorized M & T bank to take Out from my bank account Every single month for the monthly payments they did not withdraw the last payment And then they are blaming me for not making payment I need this derogatory items removed from my report as soon as possible. The reason I set up automatic payment So I shouldnt be in this position That I was late On a payment And here I am in the situation that I did not want to be Do the negligence Of M & T bank not reaching out to me And not withdrawing From my bank account which I authorize them In the beginning of my Finance Contract. 

I filed a complaint already last week And M & T send back wrong Documentation a wrong Vin number Wrong year make and model my other complaint number is 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