vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
There were 3 fraudulent activities on my Comdata account dated back to XX/XX/18. One of my charges was returned by Comdata, the other two they said they will investigate. It may take up to 90 days for them to investigate the fraud. I waited the 90 days, I emailed them daily and weekly and nobody from the fraud department has gotten back to me. Finally, I contacted the XXXX XXXX XXXX where the fraud was committed and they  agreed that the charges are fraudulent, she sent the email to Comdata to return the money to my account and they refuse.

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 2018-11-29 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: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
What happened? 
XXXX  has been non-compliant with removing the unverified account HEALTHCARE COLLECTIONS-I , LLC Date opened XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that HEALTHCARE COLLECTIONS-I , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: NY

Complaint narrative:
Summer XX/XX/2017 the company that installed AC in my house organized a 12 month interest free loan with GreenSky. 

I sent a check to pay off the full amount on XX/XX/XXXX. When after two or more weeks ( XX/XX/XXXX ) that didn't appear in my bank account, GreenSky said they'd no record of the check. I payed the full amount using my debit card over the phone -- {$4.00}, XXXX. 

The customer service person confirmed at the time that should the check then arrive it would not be cashed because the loan was now closed. 

However, on XX/XX/XXXX, the check for {$4.00}, XXXX was indeed cashed, putting my checking account well over {$2000.00} in debt -- I was away from home at a conference at the time. 

I called GreenSky late Friday XX/XX/XXXX when I became aware of this problem -- my debit card was refused -- and the customer service person acknowledged the mistake, said a reimbursement check would be sent to my home in 10-15 working days. When I asked if it could be expedited and managed electronically, the person said not, but that a manager would contact me in 36-48 hours. 

No phone call was received. I made do with my credit card. 

I waited through XXXX, then called again when I finally go back home to XXXX, NY. The manager at GreenSky, XXXX, said she had emailed -- she had, but the email did not arrive in my inbox but to the junk/spam section. 

She then said that it was not policy to expedite reimbursements unless there'd been a mistake. She then said she'd check the original phone call made on XX/XX/XXXX to confirm the issue. I pointed out that I'd payed off the loan on XX/XX/XXXX and that by cashing the check on XX/XX/XXXX they'd now got over {$4000.00} extra from me -- my loan is now {$4200.00} in credit -- and that that was pretty clear evidence of some mistake ; that given it was credit, that it was not their money to withhold from me ; and and that I was in dire financial straits as a result. 

XXXX, the manager, said she'd get back to me within 48 hours. I've heard nothing since Monday. 

I sent an email to explain that I would be contacting you. 

XXXX 's details : XXXX Customer Solutions Advocate Office : XXXX Ext XXXX ref : XXXX : ref

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
Netspend charged me too many fees .they refused to dispute a transaction fraudulently made in another state. Then they closed out my account and told me they sent a check that I never received after almost 2 yrs. They also informed me that they sent a check to an address that doesnt belong to me and told me theres nothing else they can do. These reps are rude, they hang up on u and when I ask to speak to a manager they say they are the manager or no speaking to a manager wont make a difference. This prepaid card Netspend and bank is a disgrace. Even their advertisement is wrong. They over charge fees and they dont secure your money as they should and are not willing to give back when they XXXX up. I just want people to have a heads up about this company because they are a legit scam

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 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEENXX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In XX/XX/2018 I found out I was reported to a company called Chex Systems. I reached out to chex systems and at that time chex systems sent a report to my home address. I also made chex systems aware that I am a victim of Idenity theft and fraud. On XX/XX/2018 i filed a dispute with chex systems because there were two accounts that i did not open up from XXXX XXXX as well as XXXX XXXX XXXX. Chex systems sent me out another report stating my information was verified as accurate with XXXX XXXX XXXX and had a signature card attached with no signature on it. On XX/XX/XXXX I sent a detailed letter which was certified to chex systems requesting a copie of signed documents provided by the bank. I also requested the full names, addresses, and direct numbers for each indiviual that chex systems contacted in the course of the investigation. I advised them that verbal confirmation does not suffice as proof of validation. On XX/XX/XXXX Chex systems sent a letter stating the investigation for XXXX XXXX was still in dispute, which put the dispute well pass 30 days, especially when I filed the dispute XX/XX/2018. In this letter Chex system also stated that " If requested by me, chexsystems will provide you with a description of the procedure used to determine the accuracy of the disputed informatin in your file. '' which this is what I requested on XX/XX/XXXX via a certified letter. So Chex sytems has violated my consumer rights in two ways. They are reporting inaccurate fradulaent information from XXXX XXXX XXXX, and two not removing fradulent information that is being reported because they failed to verify my information within 30 days. It has now been well past 60 days from the date i initially filed my dispute.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a chase XXXX reserve card that advertises earning points that can be redeemed at XXXX for travel. I am trying to book two round trip tickets from XXXX to XXXX for XX/XX/XXXX returning XX/XX/XXXX and their booking system online shows several itineraries available at various time of the day from XXXX XXXX XXXX yet I was unable to book any of them ( keep showing error messages ). So I called Chase up on XX/XX/XXXX and the agent who picked up the phone helped me book it. She said they are having system wide issue with their booking but I will receive a confirmation of my booking in the e-mail. That e-mail never came and I called back on XX/XX/XXXX. This time another agent told me a ) they could not find that reservation b ) the flights are not available despite the fact their website still show this and several other flights as available. The agent then elevated the issue to a second customer representatitve who told me the flight is available but at a higher price so I agreed to book at the higher price and then he came back and told me he could not book it. At the same time, all other 3rd party booking sites such as XXXX, XXXX show the flights as available. I asked the customer rep for a solution which would reimburse me for the cash cost incurred to book elsewhere and deduct the required points shown in their system and he came back saying they could only do it at XXXX instead of the XXXX advertised. I asked that he further escalate the issue and have a supervisor call me but he said no one is available and they do not do call back. It is regretful on Chase 's part that 1 ) they lie to be about making a booking when it never happened 2 ) they could not meet their promise despite their own system showing flight availablibility 3 ) they openly acknowledged system issues but instead of figuring out what went wrong on their end and properly remedy the situation, they just let the consumer hanging with no solution offered. To me that is false advertising on the benefits of the card and breach of cardholder agreement. I would strongly ask CFPB to investigate the issue and take appropriate actions. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened an account on XX/XX/2018 and was promised a {$600.00} dollar bonus within 60 days. I called Citibank and they told me to wait another 90 days, which I did. Every supervisor ( XXXX, XXXX ) told me I was eligible for the bonus. It has been 6 months now and I have not received it yet. I have tied up {$50000.00} and have even opened a dispute. Still no bonus.

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 2018-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I have been fighting with Toyota since XXXX to report my payments accurately. They have been misapplying my payments since XX/XX/XXXX. Applying full payments and/or partial payments to the principle balance without my consent or approval and therefore reporting me negatively on my credit report. They have gone so far to try and repo my car when I was 15 days past due in XX/XX/XXXX. Luckily the truck driver agreed to NOT take my car that night and would come back tomorrow after I explained it was NOT correct and Toyota had NO right to try and take my car. The next day Toyota confirmed they were in the wrong, waived all late fees and explained the account would be updated to show the loan was current and all would be right. 
They proceeded to do collection calls to my cosigner and XXXX year old grandmother telling her the loan was 3 payments past due and scaring her into making a huge payment to bring the loan " current '' even with a DO NOT CALL on file. They continue to call and harass her every chance they get. every time I call they confirm that yes there is still a DNC on file yet they keep violating that! 
On XX/XX/XXXX I called and spoke with XXXX employee number 2NDC who reviewed the file and agreed that YES they were in the wrong, and I ONLY was due for the XX/XX/XXXX payment and that THEY were applying payments to the XXXX payment and I would have a CREDIT of {$13.00} for XXXX. That being said they continue to show me being due for some days 2 payments, some days 3 payments. They called my grandmother again on the XXXX and told her the loan was due for {$2400.00}!!! Thats 4 car payments. The damage this has caused my family is irreparable. The damage to my credit score worse. This prevents me from licensing for my job as a XXXX XXXX XXXX. I have been denied state licensing due to their continuous errors. 
I do not have another 2 years to fight with them to get this resolved. I need help 1. They are not applying my payments properly since the start of the loan 2. They refuse to honor the DO NOT CALL on file and continue to call myself and the co-signer demanding payments 3. They refused to send a copy of the payment history that I have been requesting since XXXX until XX/XX/XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not receive the XXXX XXXX protection promised from Equifax. In XX/XX/XXXX, my husband and I found out were impacted by the Equifax cyber security incident, through the site Equifax provided. Both of us applied for the free XXXX XXXX XXXX service. Yesterday, XX/XX/XXXX, I found out I never had the service. 
On XX/XX/XXXX, I received an email indicating Equifax/XXXX were working on my activation and they were sorry for the delay. My husband received the same email. Yesterday, XX/XX/XXXX, when I tried to log in to extend my service, I could not access the site. My husband was able to access the site. That afternoon, I called the number on the email and was asked a ton of verification from XXXX. After providing all the information requested, XXXX said my enrollment wasnt completed because more information was needed, so she provided another number to call. 
That evening, I call the number provided and waited on hold for over 45 minutes. While I was waiting, I called the first number to make sure I had the correct number. The representative tried to tell me about another service that didnt provide the same features I should have received. I asked to speak to a manager and was put on hold. About 50 minutes into the other call, XXXX, the representative answered. After providing all my verification information to her, she said the system wasnt allowing her to do anything. I asked for a supervisor and she asked if she could put me on hold for 2-3 minutes. Needless to say another 11 minutes went by before she came back and said XXXX, the supervisor would call me tomorrow. I asked for XXXX name and she said she didnt know. I asked who I could contact since no one from Equifax didnt contact me since the email on XX/XX/XXXX. She provided the Equifax site email. I asked if I could wait on hold for a supervisor. She put me on hold for another 5 minutes and XXXX came on the line. XXXX said he was a supervisor and couldnt give his last name. He said he understood my situation that I was not happy with the service. I corrected him and told him I didnt have the service, that was my issue. He said someone would call back. I found another number on the Equifax site and was taken in circle yet again. 

The bottom line, I never received the service and Equifax isnt doing anything to make sure I receive the level of service I should have been provided. I see why there was a cyber-security breach. Equifax was supposed to be watching, but wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Pentagon Federal Credit Union was paid an amount that was agreed upon in a legal contract. This contract has confidentially agreement that states that I can not state what they reduced the amount due but it did state that I would pay a sum of money to pay the account and Pentagon Federal Credit Union would accept that as payment in full without further harming my credit or coming after me. I addition they canceled the credit cards which was agreed as part of the contract. 
The sum of money was paid as per the contract early and in full. The creditor has not sent me a letter to show that the account was paid which is a item that they should have provided me as I can still go to the banks and show the amount paid but not from Pentagon Federal Credit Union that states the same. 
The actions Pentagon Federal Credit Union has done is as follows : -Stated that the account is in collections ( Not true it was paid in full ) -The account was written off ( Well that is not true as I paid the amount agreed to settle the bill ) I believe that Pentagon Federal Credit Union is not following the Fair Credit Reporting Act and is penalizing me even though I paid them the amount in good faith. They have been contacted several times and they have advised me that the accounts are closed and paid in full. This is very much different than what the Credit Bureau has in my report. I'm asking for help as they have said that it would be corrected no later then 60 to 90 days. It now has been over 6 months! The manager who wrote the letter was  contacted and he was rude and treated me very poorly. My cause of the hardship was a tragic accident that impacted my head. ( XXXX XXXX XXXX ) I'm not aware of how a credit report can mark something incorrectly and get away with it without violation of the fair credit reporting act. If they state I didn't pay then I suggest that they refund the money as their reporting is stating the same level of lack of payment and is harming me more. 
Pentagon Federal Credit Union has a duty to follow the regulations of the Credit Union and of the rules established for financial institutions. In this case they have opted to not follow them as they know of my medical condition and lack of ability to ask for help. In this case I was assisted by my family member to help address 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 explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/2013 a undisclosed amount was taken from my account. The bank allowed my payroll check from my employer to be reversed without notifying me to make sure it was no fraudulent activities which it was. The bank failed to secure my money and told me theres nothing they can do and Im basically XXXX out. I dont think its ok that my account should be in the negative because the bank neglected my account. Please can someone help me because my employer lied after I quit my job because he was upset that I left stating that now he doesnt think I deserve my check from XXXX XXXX XXXX At XXXX XXXX XXXX XXXX ny XXXX. I was scammed from both the bank my old employer and his payroll company. The bank saids that have nothing to do with it but they do when I signed a contract with them to protect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: FL

Complaint narrative:
Why do I still see this being reported by XXXX XXXX/Transunion when it is totally false. The account in question was sold to another company. It may the initial payment was held by the original lender. I have submitted payment history from XXXX and addressed this issue on various occasions and the record is still being displayed. IT IS WRONG. I have never been delinquent. What will it take to have it removed? 

Delinquent Account ( XX/XX/2018 ) Alert Type : Delinquent Account Processed Date : XX/XX/2018 Account number : XXXX Creditor 's Name : XXXX/XXXX Type of Industry : Miscellaneous Finance Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees

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 2018-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc
State: OK

Complaint narrative:
Harley Davidson Financial has been calling me at work. I have told them twice now not to call me at work. They called on XX/XX/XXXX at XXXX and I told them to not contact me at work. They again called on XXXX and again I told them not to contact me at work. When I got to work this morning, I had a message to call XXXX at XXXX XXXX. I XXXX the number and found it to be from Harley Davidson Financial.  They have also called my ex-wife and two of my friends in the last month and half. They have told them not to contact them and they continue to call them. They don't care about the laws and think they can do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEEN XX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.

Company response to consumer: Closed with explanation