vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Opened A new virtual wallet account a month or two ago and erroneously transferred money from the reserve checking into the spend checking And then the automatic system did it again which while I didnt incur a fee originally every day that its been negative it has it now the fees are totaling over {$100.00} I have to wait till we get paid again on Friday XX/XX/XXXX make that reserve current and not negative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There is a joint account student loan that is reporting inaccurately, I have tried many, many times to contact the creditor and the credit bureaus to correct this issue. There are several inaccuracies across all three credit bureaus, how can three different bureaus report differently. These are two accounts with the same account number.? 
XXXX/XXXX XXXX XXXX/XXXX   XXXX Both of these accounts are reporting differently across all three credit bureaus and has been for years, I have tried to no avil to have the information report correctly.

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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There is a joint account student loan that is reporting inaccurately, I have tried many, many times to contact the creditor and the credit bureaus to correct this issue. There are several inaccuracies across all three credit bureaus, how can three different bureaus report differently. These are two accounts with the same account number.? 
XXXX/XXXX XXXX XXXX/XXXX XXXX Both of these accounts are reporting differently across all three credit bureaus and has been for years, I have tried to no avil to have the information report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
A letter was sent to Waypoint Resource Group dated XX/XX/2019 requesting that the company send validation of debt with my signature as of today 's date the company has not responded to the correspondence or request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: UT

Complaint narrative:
Back in 2017 after the large security breach, I placed a security freeze through each of the 3 credit  reporting companies - Experian, XXXX, & XXXX. This was a long, tedious process but it was finally accomplished. With XXXX I had no trouble lifting the freeze. However, I am finding that trying to unfreeze the accounts through Experian and XXXX  has been not only hard but nearly impossible. I was given pin # s to use by Experian and XXXX  but NOT by Equifax when I was ready to lift the freeze. 

I have tried repeatedly to have my security freeze permanently removed from Experian, using the pin # they sent me but it keeps giving me a security freeze error and then recommends that I call them at XXXX. This automated system does not give you the option of removing a freeze, only of placing a freeze or fraud alert and there is no capability of talking to a live person. I have also tried their site at experian.com/upload but keep getting the message that the documents are not loading. Although sending my information online has it's risks, I feel like sending all of my information through the mail feels like an even riskier option. 

As for XXXX, I do not know how to proceed since I can not find any paperwork they sent to me with a pin #, like the other two did. 

I would greatly appreciate your help with this problem. 

Thank you.

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 2019-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
I received an email from the XXXX of the XXXX XXXX dealership in XXXX Az. He was asking what they could do to earn my business. This enticed me to look and see what they had online. When doing so a XXXX XXXX classic XXXX XXXX popped up. The price of this vehicle was listed at {$44000.00}, the dealership discount was listed at {$43000.00}, taking the vehicle purchase price to {$410.00}. They then offered an additional rebate of {$3000.00} this taking the price to - {$2500.00}. I went to do the Express checkout. When doing so a page popped up stating this vehicle was not available for online checkout and to try again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GMA Investments, LLC
State: TX

Complaint narrative:
I have received several call from Summit Receivables. They tell me this is my final notice before they submit my file for pre-legal action or statements of a similar nature. I have explained many times that the dates they said I received a loan and the amounts do not match and I asked for verification. They repeatedly tell me I already have that information and do not acknowledge my request. They tell me there are additional fees and interest that have been added to the debt but refuse to tell me how much and who is charging it. I keep asking for more information and they ignore me completely or say to contact the original creditor XXXX  myself. I have tried that several times but have difficulty getting through. I want a broken down invoice stating what I owe and why. They have never sent that to me. I have had this removed from my credit report before. Please have them stop contacting me if they do not intend to verify the debt that has already been removed from my credit history. They call me from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
On XX/XX/19 I was contacted by a friend I had not spoken to in years, ( the friends identity was spoofed ) who said I heard about the death in your family and Im sorry about your loss but have you heard about the XXXX Grant Program, Through that communication I was defrauded in withdrawing {$14000.00} from BOA credit card payable to XXXX , XXXX, I checked it out on line it looked harmless I also mentioned to the clerk why I was making the withdrawal the teller also checked it online and said it looked fine. I was instructed to deposit it into acct # XXXX. Upon notifying the fraudster about the deposit he requested additional money which finally made me realize that I was defrauded. I reported it immediately to my local bank who issued a uniform identification agreement to BOA on my behalf.. I reported it to the Attorney General Office, spoke to a local detective as well as filed a fraud claim with BOA, whose final letter claimed that they determine that no fraud occurred. I know that banks are insured against these type of incidents but a widow and retired elderly person have no way to recoup Im sad this happened to me and I hope it doesnt happen to anyone else. Thank you

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 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I ordered a {$13000.00} item online and received an empty box. The credit card company is denying my dispute, claiming it was done on a 3rd party processor. My credit card company is Barclays, gold luxurycard.

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 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
My mom was my payee, she called to make a payment ( I was there ) the man she was talking to Said I wasnt in there system. We repeatedly told him my name and kept saying I was not in the system. My mother says well if shes not in the system then who are we sending the money too? He said he did not know. Them mom said then I guess we not pay u because shes not in your system. And that was it. I was NOT in there system as they kept saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Last year was a very difficult year for me, I lost my full-time job, I barely had one part time and when they needed me, in my need for a job I put my resume in some job agencies like XXXX, In XXXX of this year, through her, I was contacted by a company that is dedicated to market research with " secret shopper '' ; After investigating about the subject I agreed, I received a money order of {$1000.00} ; I went to my bank ( People 's United Banck ) made the deposit, and it became effective. The money was in it for 24 hours, but I did what was required for the work, and I bought the gift cards, I took the photos and sent them together with the report they requested, this process lasted about three weeks, at this time I received Three more money orders, I did the same with these, and deposit them. One hour after the deposit someone called me from the bank and told me that the checks were bad, that it was a fraud, and there my nightmare began, I was treated as a criminal, the agency head was too aggressive and complacent, in this bank my account I was active 5 years, and still I was treated in a very offensive way, maybe because I still can not communicate verbally in English correctly, because I am XXXX. 
I put the complaints in the police the same day of the bank incident ; in the following weeks someone from the bank called me menacingly and told me that if I did not pay the money they made in my account I would send them to a collection company, and I was treated again as a criminal, I never said that I would not be held responsible for my responsibility for my mistake made because of my need for work. Shortly after this in the cooperative where I had opened an account they called me and told me that the bank had contacted them and they closed the account of the cooperative. As a result of this incident with the cooperative, I went to the bank 's offices in XXXX, CT, and spoke with Ms. XXXX, who helped me with a better spirit, and during the conversation she mentioned that these documents are detected 24 hours a day. your deposit and this is reported to the branch where the deposit was made, she made the management so that the bank would help me to open an account again to pay the money that I was cheated, but with the condition that she signed some documents which were not they wanted to send me to read them, because I wanted to be sure that I am about to sign, however they did not give me these by any means, it is more the Miss XXXX told me that because I do not go there and read them, I insist my English is not even strong enough to be able to understand certain things clearly. My desire to fix this situation is paramount because I have never had problems of this kind before. I am an honest and principled person and I am very scared with all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: UT

Complaint narrative:
Back in 2017 after the large security breach, I placed a security freeze through each of the 3 credit reporting companies - XXXX, XXXX, & Equifax. This was a long, tedious process but it was finally accomplished. With XXXX I had no trouble lifting the freeze. However, I am finding that trying to unfreeze the accounts through XXXX and Equifax has been not only hard but nearly impossible. I was given pin # s to use by XXXX and XXXX but NOT by Equifax when I was ready to lift the freeze. 

I have tried repeatedly to have my security freeze permanently removed from XXXX, using the pin # they sent me but it keeps giving me a security freeze error and then recommends that I call them at XXXX. This automated system does not give you the option of removing a freeze, only of placing a freeze or fraud alert and there is no capability of talking to a live person. I have also tried their site at experian.com/upload but keep getting the message that the documents are not loading. Although sending my information online has it's risks, I feel like sending all of my information through the mail feels like an even riskier option. 

As for Equifax, I do not know how to proceed since I can not find any paperwork they sent to me with a pin #, like the other two did. 

I would greatly appreciate your help with this problem. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is my letter to XXXX  executive office : My wallet was stolen on XX/XX/2019 in XXXX resulting in a charge of {$14000.00}. The perpetrator had a copy of my other ID as well as my credit card when he made this charge. Initially, the first claim investigator I spoke with told me that I would not be billed for this charge as long as I sent in my ID. I did so immediately, due to your system a error was made. They claim that the fax of my ID came in black and they could not see it, no one called me to tell me this at this point I was already on hour 4 of trying to speak with someone to help me. I finally got a hold of someone and sent them in by mail and fax again a copy of my other ID. At this point it was to late and they re-billed me, even though I have proof from XXXX that the original fax I sent was completely valid. I was mislead numerous times. I think its pretty unbelievable that there is no way to upload this documents online. 


As a business owner, I know this not to be substantial proof that the charge is valid. I have had made claims made against my business by customers that simply did not want to pay for their charges - where Ive even had video proof and video authorizations from the client themselves - and that still wasnt enough for my merchant processor to win the claim in my favor. 

I beg you to review this claim and turn over the decision as I also have evidence of where I was when this charge was being made. Ive spent over 6 hours on the phone at this point. 



The charge : XXXX XXXX XX/XX/2019 {$14000.00} XXXX Points

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 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ULRS, Inc.
State: CA

Complaint narrative:
I agreed to take responsibility for my XXXX adult daughter 's XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX XXXX. I agreed to pay XXXX, then XXXX in XX/XX/2018 and XXXX XX/XX/2018. I paid all but XXXX. I agreed I owe this amount but they are saying I owe XXXX. I don't. I have tried to explain only to have them that this XXXX  is IN network and that I only agreed to pay as mentioned. I am happy to pay the XXXX that is remaining but they won't accept it. I sent ALL required dispute but they say they put this on my credit today. They have been calling from an unknown number in addition to their XXXX number and are pretending I can't say they are calling me, becuase the number is coming up unknown. They have also been harassing me saying that now man wants me because I am upset and then they have misquoted the law, which I have to outline for them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: NY

Complaint narrative:
I reviewed my credit report and found items I do not recognize and I have not authorized.

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 2019-05-23 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: NY

Complaint narrative:
I have disputed unverified and unauthorized accounts with the credit bureaus and they have taken them off my 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 2019-05-23 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: NY

Complaint narrative:
I reviewed my credit report and found items I do not recognize and I have not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 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: NY

Complaint narrative:
I reviewed my credit report and found items I do not recognize and I have not authorized.

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 2019-05-23 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I opened up a credit card and it was 12 or more months no interest. My credit limit was {$8800.00}. I received my bill and the company allowed someone else to more than double the limit. I had not problem paying the {$8800.00} limit! But they not only wanted all the money I was paying & the majority of the money was going to the interest so I felt I would be paying this account for the rest of my life! I sent a letter to the president and she refused to try and work something out! Is there anyway I can sue them? I am now have XXXX and do stressed out! Barclay card really did me wrong & I dont want that to happen to anybody else Please help me I borrowed money to get it down so I could pay it off but now I am still paying on the other loan & I am struggling

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 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase closed my AARP Chase credit card without my consent. Although I can understand closing an account for abuses or non-payment, it does not seem right that a card company can simply close an account because they are not satisfied with how much I am using their card. When a credit card company decides to take this action they are potentially having a negative impact on a consumer 's credit as the total amount of available credit is reduced and the average age of open accounts may decrease. This kind of tactic should not be allowed to take place and I hope you will thoroughly investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
My card was fraudulently used when still in my possession on the following dates XX/XX/2019 in the amount of {$190.00} XX/XX/2019 in the amount of {$1300.00} XX/XX/2019 in the amount of {$20.00} XX/XX/2019 in the amount of {$1.00} XX/XX/2019 in the amount of {$76.00} On XX/XX/2019, I discovered when checking my account that there had beed fraudulent charges made on the above dates. I called Direct Express immediately and made a report. I was sent a questionnaire of fraud to fill out, which I filled out and returned immediately. After numerous phone calls to Direct Express I was given the run around. I finally received a letter dated XX/XX/2019 from Direct Express  stating that they had denied my claim because they could not confirm that fraud had occurred, even though I sent Direct Express proof that at the time my card was compromised I was in Florida when the charges were made in California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23 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: NY

Complaint narrative:
I have disputed unverified and unauthorized accounts with the credit bureaus and they have taken them off my report

Company response to consumer: Closed with non-monetary relief