vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
So half way thru my vacation last week Pnc bank decided they didnt want to business with me no reason and closed my account before that they put a hold on my account and didnt notify me and me and my XXXX children got embarrassed at XXXX XXXX  and we had to wait so my brother could come pay our bill and know its been two weeks and they still have not given me XXXX XXXX dollars thats in my account me and my kids are sleeping in my car borrowing money for hotels and these people have no sympathy for position they have put me in and I have talked to several people since then even this morning and they have to mail a check which they should have done last week instead they mailed me six letters telling me my account is closed they refuse to give my money at a local branch even tho the branch is XXXX XXXX and no one is the banking system has communication anything or put anything that I called several time I have constantly made them aware of my situation I have XXXX XXXX  in my crypto account and I need XXXX for the processing fee and they are about to make me loose out on this opportunity to better me and my children life the are about to give my account to someone who can afford it as part of the program I sign up for help me please we will be homeless by tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
three times I sent letters about incorrect listed information on my credit reports. 
All three bureaus completely ignored my request to validate the information. Never provided with Method Of Validation .Didnt even reply to my requests.

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 2020-07-02 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:
three times I sent letters about incorrect listed information on my credit reports. 
All three bureaus completely ignored my request to validate the information. Never provided with Method Of Validation .Didnt even reply to my requests.

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 2020-07-02 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2020 XXXX, I noticed a fraudulent transaction in my Wells Fargo account. It was an Online BillPay transaction in the amount of {$3000.00} sent to a XXXX XXXX XXXX credit card ( last few digits available upon request as they are shown on on my transaction history ). As soon as I noticed the pending transaction, I called Wells Fargo to file a claim ( # XXXX ). Wells Fargo said it would take anywhere from 10-15 business days to process the claim. The Wells Fargo agent closed my online account and checking account and opened up new accounts for me ( new online account as well as new checking account ). On XX/XX/2020, I noticed that the {$3000.00} transaction credited to my new checking account. On XX/XX/2020, I noticed that the {$3000.00} Online BillPay to a XXXX  XXXX XXXX account had posted to my new Wells Fargo checking account, effectively removing the {$3000.00} credit ( or what seemed like a credit ). On XX/XX/2020, I received a letter from Wells Fargo requesting I fill out and return an " Affidavit of Online Fraud ''. I did so immediately. On XX/XX/2020, I called Wells Fargo to inquire about my claim and was told that the claim is currently pending. On XX/XX/2020, I called Wells Fargo to inquire about my claim and the agent I spoke with said that the claim is closed, but that there was no verdict. She mentioned that the case files said " resolution status : successful resolution '', but no determination as to whether or not the amount of the fraudulent transaction will be credited back to my account or not. Because of this lack of verdict, the agent opened up a new case for me ( # XXXX ). 

I have also filed a police report with the XXXX Police Department. The police report 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
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
This company called Credit Management calls me repeatedly, at least 6 times a day. They refuse to tell me who they are or what they want other than a business matter. I have never heard of this company and have never done business with them. I also have never received any correspondence from them other than the phone calls. The first call this morning was before XXXX XXXX. The first few time man they called I tried to ask questions and was told until I verified my name and social they wouldnt answer anything, and they have cussed me and hung up at least twice when I ask questions. I have told them repeatedly that I have no business with them and to stop calling. I want this handled.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
!!!! THIS IS NOT A DUPLICATE COMPLAINT!!!! 
I have two complaints about this bank 1- This bank processed a payment {$990.00} un XX/XX/XXXX from my bank account without my authorization After signing an Covid 19 Hardship agreement almost 2 weeks before, I agreed to schedule automatic payments of XXXX every month for 12 months. It doesnt make any sense that I sign an Hardship agreement to reduce my payments to {$110.00} dollars for 12 months and then I authorize them to take from my checking account XXXX dollars. 

2- The hardship contract say that after first 3 consecutive payments of XXXX dollars they will delete all my late payments fees. But I called them they said that is not like that, they will removed late payments fees only for 3 months. 


about XX/XX/2018 We open an account with XXXX XXXX thru Comenity Bank, The credit limit was XXXX, We used the full XXXX dollars, at that sign up with a promotion if we paid the full amount by one year later they will not put interest charges on the loan. After the first year we couldn't pay the total XXXX dollars. So after the first year the started applying I think 24 % of Interest Up today, after 2 years, I had paid about XXXX dollars, so the balance will be XXXX - XXXX equal XXXX plus interest and late charges of course. This month I find out that the balance on this Account is XXXX, making some easy numbers on this process, they are charging me extra XXXX dollars, I think this amount its completely exaggerated after 2.5 years after opening the credit. Today I called them to ask them to reduce the total amount, because due to the coronavirus me and my wife are not working, the denied, they put me on a special plan, that reduce my montly payment to XXXX and charging for 12 months only XXXX per cent. The promised me to remove the late charges, after the call there is a recording saying that after 3 consecutive payments the late charges will be remove. but after I called them again the denied that, that will be removed only 3 late payments. Any way, they are lying, because they are saying only 3 months on the recording that hear after the call. anyway, I dont think that adding adding XXXX to my debt its 100 % exaggerated, I think they are not going by the law. Please Help me with these people, Please please Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GCFS, INC.
State: CA

Complaint narrative:
I took out a payday loan with XXXX XXXX back in XXXX. I defaulted on the loan because the payments were high and I could no longer afford to pay it. The interest rate was astronomical. I believe it was 126 %, but I'm not too sure, as that was almost 20 years ago now. 

The debt was then purchased by GCFS, Inc. GCFS , Inc has obtained judgment against me and now they say I owe {$7500.00}, even though the loan I took out was for {$2500.00}. They constantly call me, and my relatives, asking where I'm located so that they can serve me with court documents. I was afraid, so I called them back and made a payment plan of $ XXXX/month as that's all I could afford. I began doing some research, and the state of California, where I live, used XXXX XXXX  due to it's predatory loan practices and high interest rates. XXXX XXXX was ordered to pay fines and also to repay some if it's consumers who had taken out the predatory loans. I believe I fall in this category, this debt is almost 20 years old and it's not fair that I have to pay back almost triple the amount of the loan. 

I tried to settle with them for {$2500.00}, the original loan amount, but GCFS, Inc. Will not settle with me. They'd rather garnish my wages during a time that Covid-19 is happening. They are harassing me, and won't allow me to settle for a lesser amount. They are also threatening to garnish my wages in XXXX for a XXXX debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I receive error message when using my credit card at retailers. When I slide my card the message says notify cashier. I have reported it to Bank of America but have not received a response. This was 2 months ago. They sent me an email stating someone would call me and they did. When I returned the call it went to voice mail. That's where I am now.

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 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Myself as prospective borrower engaged in a rate lock in late XXXX with lender Bank of America in effort to hedge against potential rate increase for closing date scheduled in late XX/XX/XXXX. In reference to the Float Down Addendum enclosed within the Agreement, which was valid between XX/XX/XXXX and XX/XX/XXXX, the Agreement clearly states, If market interest rates improve within 60 calendar days prior to the original requested closing date ( Float Down Option term opens ), you may exercise a one-time float down to lower the interest rate ( Float Down Option ). '' To lock this agreement I complied with an upfront payment of {$1900.00}. 


On XX/XX/XXXX as potential borrow engaged my lender XXXX XXXX at Bank of America to execute my float down to market rate which was at ~3.0 % at the time. This request was denied On XX/XX/XXXX I requested escalation to his manager XXXX XXXX who ignored all communications On XX/XX/XXXX my lawyer sent a formal request for the {$1900.00} to be returned on grounds that Bank of America had not acted in good faith and has not adhered to the terms of the Agreement

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 2020-07-02 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear CFPB team member, I have unresolved dispute issue with Chase. 
I applied for Chase XXXX rewards premier credit card on XXXX and was instantly approved. I waited for ten days and said credit card never arrived. On the XXXX of XXXX, I logged into chase.com and saw two unauthorized transactions on the card. I realized the card was in someone else 's possession and immediately called Chase Fraud Department. 
The two fraudulent transactions happened on the XXXX and XXXX of XXXX in XXXX XXXX XXXX str in the amount of {$1000.00} and {$1000.00}, respectively. 
A specialist in Chase Fraud Department told me that I wouldn't be liable for unauthorized charges and had these two pending transactions declined. The account was closed and I was issued a new card with a new account number. In 4 days, I could see these two transactions fell off of transaction list and completely removed from XXXX billing statement. 
Everything seemed to work out until XXXX. XXXX when those two fraudulent charges got posted to XXXX billing statement. I called Chase and asked why I was getting re-billed for these two once-removed unauthorized transactions. All they wanted was some document/receipt from XXXX XXXX store, where I have never been to in my life, to prove my alibi. I provided them all the documents I could gather and they still didn't think it was enough. They wanted me to prove a negative. 
I live in XXXX, NJ. The only places I've been to recently are XXXX XXXX and XXXX. Because of Coronavirus and stay-at-home order, I barely got out and drove in XXXX through XXXX, let alone drive across to the other side of New Jersey. 
It is possible that USPS might have delivered my newly approved credit card to a neighbor of mine, which i have no knowledge of. Apparently it fell into the hands of someone who really knows how to take advantage of a stolen credit card.

Right now, Chase is holding me responsible for these fraudulent charges. I was upset because I anxiously waited for the new card to arrive everyday for 10 days when Chase wouldn't even offer me a tracking number of the card delivery. And when USPS messed up my delivery, I am the one who has to bear responsibility now. 
I will attach some pictures to help better explain the situation. I have been a loyal customer of Chase for more than 20 years. My credit score is 800+ for more than 10 years. I have a Chase better checking account with more than 80k dollars in it. I can't believe this is the way how Chase is treating its customers. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After pulling my credit reports, I noticed an account listed as Portfolio Recovery that I was not familiar with. On XX/XX/XXXX, I drafted letters to all 3 credit bureaus asking them to verify that this account did in fact belong to me as I have had several accounts listed on my credit report that did not belong to me. In this request, I have asked to provide proof that this account did in fact belong to me per my rights as a consumer. I have received correspondence from XXXX  and XXXX  that the account had been " validated '' and " updated ''. On XX/XX/XXXX, I then sent another letter to all 3 credit bureaus asking them to provide their method of " validation '' and to provide proof, I also sent a request to Portfolio Recovery as well to verify that this account did in fact belong to me. I received responses again that the accounts have been " validated '' and " Updated '' I also received letters in the mail from Portfolio Recovery dated XXXX that they took over this account and a copy of a bill. Both were addressed to a address that does not belong to me. Additionally, this document only verify that an account exists, and does not verify that this account belongs to me. On XX/XX/XXXX, I sent certified letters requesting proper verification of this account. Again, I received the same correspondence from the credit bureaus and the same exact letter from Portfolio Recovery. On XX/XX/XXXX I mailed yet another certified letter requesting proper investigation, proper documentation that verifies this account belongs to me and I received a note back from XXXX  dated XX/XX/XXXX that this account has been " validated '' and " Updated ''. It appears that they are simply " validating '' and " updating '' the record with monthly updates from Portfolio Recovery. To date, they have not done a proper investigation, or provided any proof that this account does in fact belong to me and have violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Can not transfer from other banks to my PNC checking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC

Complaint narrative:
I previously submitted claim XXXX, but there is more information that I need to add than what I dictated over the phone. 

I had a mortgage with XXXX. When they went out of business I had no correspondence informing me of who had the mortgage. After calling several companies I stubbed across a tax document and found shellpoint mortgage servicing and called them and found out they held my mortgage. My initial call to them was the XXXX of XXXX. I spoke to a lady in customer service who took a telephone payment for 1 month of mortgage and told me to email XXXX XXXX, not proving a reason why. I emailed him ( email attached ) with no reply. I had charges of over {$9000.00} and legal fees. I did not want to pay any fees that I did not understand. I also had an escrow account set up that I did not authorize. 

I was able to create a shellpoint account and made a 2nd payment the XXXX of XXXX. I also wanted to start direct debits. In XXXX, I noticed I still didn't have a direct debit so I tried to log onto their website on multiple occasions and it didn't work. I called back to Shellpoint customer services on the XXXX of XXXX and made another payment over the phone. 

I called again the XXXX of XXXX because I was still struggling to use the online site, still did not understand the escrow or legal fees and I wanted to pay off some principal on the mortgage. At this point I was informed that my mortgage was in foreclosure which came as a total shock. Prior to Shellpoint picking it up, I held it with no issues since XXXX. 

The only correspondence I received from Shellpoint by mail was a statement dated XX/XX/XXXX. The fees were still not laid out or explained. 
I have since looked at the XXXX reviews and see a lot of other customers have faced the same issues. 

The people I speak to at Shellpoint are always friendly but I am not in a serious issue and feeling very distressed and I have received no real help from them and have no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
My bill for internet service had been steadily increasing with XXXX annually. It reached a point where what started as a {$40.00} service was now being billed at $ XXXX. I had called XXXX and spoken to an agent to see if they had a better deal OR if they cancel my service so I can signup with XXXX. 
I spoke to an agent on XX/XX/2019. The end of my billing cycle is XX/XX/XXXX. I had asked that she put in a request to submit my request for the end of the billing cycle. She then clarified that if I picked a date before the billing cycle, that they would pro-rate the amount for the days the service was provided. Consequently, I moved the cancelation date to XX/XX/XXXX and signed up for a new service for XX/XX/XXXX. She re-confirmed that they would pro-rate me back the amount for remaining XXXX. 
PS - I have this in a recording that I would be happy to share as proof of agreement. 
The bill didnot reflect our conversation. After speaking with customer service numerous times, they said that their agent was mistaken and that I would still have to pay for the service even though it was cancelled by XX/XX/XXXX. They only thing remedy they offered me was that they would train their agent. This wasn't an acceptable course of action as it was an error on XXXX 's part. They refused to rectify it and threatened to send me to collections. 
When they sent me to collections - I requested to dispute it but I didn't get an information from them to be able to do so. I know see that it is unfairly on my credit report and I would like to rectify it.

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 2020-07-02 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: MA

Complaint narrative:
I had credit card fraud ( citi bank ) happening from XXXX XXXX XXXX. I did not realize until I closed my account in XX/XX/2019. Once I closed my account I disputed the charges. It took from XXXX XXXX XXXX  to finally win my dispute. M credit score went down and there is a report of not paying my credit card in XX/XX/2019. I do not feel I should be held liable for a bill that is not mine.

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