vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am receiving credit card bill from Comenity Bank which was paid off. Comenity is charging me fees on a zero balance from a closed XXXX Credit Card with a Zero balance. I also tried to close account over the phone and a recording said there is a problem with closing my account and the recording told me to please hang up. Also, used their comenity on-line text for help and received email back that the message sent was not received. Sending me fee charges on paid off account and refusing to allow me to stop this nonsense is disheartening and how can this be allowed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
XXXX ( now PNC ) does not provide transparent and proper disclosure of fees and costs associated mortgage/refinance products. PNC 's claims of " fair lending practices '' are false. PNC 's disclosures are far removed and misrepresent any claims or commitments to " good lending practices ''. 
PNC also used deceptive practices to lure us into the mortgage transaction, and conveniently " timed '' the closing dates so that we were stuck with them and risked the lock-in date- thus forcing us to give in to PNC 's fees and charges. 
We had current mortgage with XXXX since XXXX. We started the refinance process in XXXX XXXX. We were advised to start a HELOC and were told we would be able to convert that HELOC via an inhouse transaction *with minimal to no closing costs*. We were also told the appraisal charges would be waived at the time of converting the HELOC to a refinance mortgage. So, we provided all the paperwork and details and got a HELOC approved in XXXX. In XXXX we took the HELOC loan and started on the conversion to refinance 10 days later in XXXX- with intention of converting it right away to the refinance mortgage per advise from the Loan Officer. In XXXX, XXXX  the refinance transaction never happened in the manner we were told/sold. It dragged on with restarting the entire underwriting process, second set of costs and appraisals, and multiple delays due to " merger '' chaos/confusion. Then we were told, this would be a full transaction. i.e. full closing costs and full appraisals, and sorry but NO lender credits to make us whole for the ( mis-represented/mis-communicated ) offer to refinance with a minimal cost product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is a follow up to complaint # XXXX that I filed earlier today. 

I reported 2 credit card transactions from XXXX XX/XX/2021 as fraudulent ( {$3000.00} & {$2000.00} ). But because of the nature of the transactions ( unauthorised 'ACH payment refunds ' ), Bank of America 's Existing Fraud Department informed me that they need to file a 'manual " report which could take days or weeks, then they'll investigate, which could take weeks or months, and I might not even get my money back. 

In the mean time, because the 2 fraudulent refunds equalled the amount of the legitimate {$5000.00} credit card payment I made 6 XX/XX/2021, Bank of America says that I still owe a minimum payment ( {$150.00} ) this month in order to keep my account from accruing late fees. Except I already paid my bill this month, and I have my XXXX bank statement to prove it. They're the ones who allowed XXXX giant fraudulent transactions to occur. They neglected to notify me of suspicious activity, even though I've never before authorised similar transactions on my account. And they are now attempting to extort me into paying an extra {$150.00} this month to rectify a problem that they created. 

This is my primary business & travel card. I don't have the luxury of waiting around for months for a refund, and it's illogical that I should be held accountable for additional late fees or expenses that accrue while the fraud department investigates. 

I spent over 4 hours on the phone today being transferred continually between Customer Service & the Fraud department. Fraud says they can't investigate until the claim is processed & Customer Service says they can't do anything about the required minimum payment unless Fraud authorises it, except Fraud says they don't have control over payment authorisations. 

Bank of America needs to take responsibility for their incompetence & refund my money, and the person responsible for authorising the 'ACH payment refunds ' needs to fired.

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 2021-11-20 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX Mortgage does tax fraud by reporting late payments and dalinquincies that do not exist. They did this with my mortgage and said that I was late with payments after the mortgage was already paid off and for a period of time where the mortgage was already paid off and could not have been late.

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 2021-11-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a poor credit credit card to rebuild credit on the Experian XXXX credit website. The Experian Credit report company lowered my score from XXXX to 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 2021-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
On XX/XX/2021 I was given a XXXX package that was delivered, no signature required. This notice was from the company who sent me a notice that clearly stated final notice, an assumption this company has sent letters previous times via, email, XXXX, XXXX or other carries. Please make note, I have only received this ONE notice and nothing more and ONLY because it was intercepted by the current residences of the address the XXXX packaged was addressed to. I was never afforded to option to dispute this account, and have it validated/verified. If I was contacted accordingly I would have had the option to dispute the account in question however now, I am being threatened with lawyers and lawsuits. I have sent this company a validation/verification letter and also, another letter stating I did not receive any initial correspondence that would indicate a new account was established with this company, I also asked for signature verification to prove I had indeed received any correspondence from this company or proof something was signed and delivered to me. For roughly a year I was living in XXXX XXXX and no mail would have been delivered to the address on the UPS package, something that was noted with anyone I was doing business with. I feel at this point, this company neglected to send proper notification to me and because of this, I was unable to dispute an account that was opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citi bank denied that they had funds that were transfered to a closed account. On XX/XX/XXXX I transfered funds from a competitors bank to fund a new account. I had just opened this account with citi bank and the new funds went into a previously closed account I had with citibank instead. 
The operator said it would take 3-5 business days but nearly 2.5 weeks later it never was refunded. When I would call citi they would say just wait it will populate soon. Than citi said the just flat out didn't have it. I three way called citi bank with my original bank on the line to confirm to them they did clear it. Citi did not return my funds. After XXXX days of calling for hours every day and talking to 7-10 different people and 3+ supervisors a supervisor was able to see they had the funds the whole time! After stealing my money, lieing about it. Hanging up on me constantly when transferring, over a 5 day peorid all citi said is that they were sorry. That money has still not been put back into my account. The new account I opened was over 6 figures.

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 2021-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The below accounts have been disputed over the course ofXX/XX/XXXX months and were all received by your bureau, ( I have certified mail receipts to prove ), you have failed to provide true and accurate reporting and have also failed to provide true and accurate results in a timely manner. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a letter in the mail from Bank of America stating they detected suspicious activity on a credit card and as a precaution they suspended the account. I called Bank of America and spoke to their fraud department. They said there appeared to be two lines of credit opened in my name as recent as XX/XX/2021. I told her that I didn't request a Bank of America credit card on XX/XX/2021, and don't recall having a recent Bank of America Account ( uness it was something I may have opened years ago ). She suggested that I contact the FTC for identity theft and gave me a telephone number of XXXX. I called the number and it directed me to their website. Their website directed me to this website. They also suggested I contact the three credit agencies and put a freeze / block on my social security number. They also recommened having a credit report pulled and file a police report for identity theft.

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 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Total Card, Inc.
State: FL

Complaint narrative:
I received an offer from this card and it advised you pay a one time program fee with access to a {$300.00} limit. I waited a while and then decided to activate it. After activating they charged another {$75.00} bringing the limit down to {$220.00}. The {$75.00} annual fee is not disclosed at all. I have copies of the misleading information I was sent. I called twice trying to get the {$75.00} annual fee back and my {$89.00}. I paid {$30.00} which is what I used reference number XXXX and was advised I owed {$100.00} ( Including their fee ) but since its 30 days I can have this closed and fees refunded. So once he put me on hold he says oh you cant get the {$89.00} back because you used the card. I activated this on XX/XX/XXXX today is XX/XX/XXXX. I havent even had the card a week and Im being taken advantage of and slyed out of {$89.00} plus {$75.00} thats not right. I paid what I owed. I want the fee of {$89.00} refunded back to me because they got that by misleading me and other customers by stating and I quote verbatim " There is no security deposit required '' " If approved simply pay a one time program fee to open your account and access your available credit. '' It does not say " Once you pay your one time fee an additional annual fee of {$75.00} will be charged and your credit limit will be minus {$75.00} ''. What am I paying an annual fee for when I havent even been a customer for a year!? I want my {$160.00} back because this is so scammy and misleading! To be honest they arent even open about how much the " start up fee is '' on their solitcitations!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this investigation, notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX  ( XXXX XXXX of XXXX ) XXXX ( XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
XX/XX/2021, I disputed collections against Wakefield & Associates. One of the two collections by them have been removed from my credit as of XX/XX/2021. Both of which were for {$440.00}. XX/XX/2021, I contacted Wakefield & Associates by phone, requesting to pay the {$470.00} that I am supposed to owe. They stated to me that I still owe both of the collections, a total of {$950.00}. The total that Wakefield & Associates are continuing to request from me are inaccurate, as the disputed information was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: Monterey Financial Services LLC
State: FL

Complaint narrative:
I have been monitoring my credit score through XXXX XXXX and found out that there is a " loan '' reported on XX/XX/2021 by Monterey Financial. I dont have any loan other than my car and my mortgage. I dont know what is this account for. I contacted them over the phone and they were telling me that they can open a dispute to clear this record but I had to give them all my information plus my SSN which i dont feel confident because i dont know who these people are and what they do. I need to know if you can help me to get clarification on why this loan is showing in my report. Unfortutanely, i dont have any documentation that I can provide as backup since this loan doesnt belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft and I am sending this notice on my own free will. Attached is two files which is an completed FTC ( identity theft report ) and files containing personal identifiable information and additional facts of identity theft. Please see to it that this information is blocked and deleted pursuant to XXXX XXXX XXXX within 4 days. In addition to blocking this information im am requesting full file disclosure of my credit file pursuant to XXXX XXXX XXXX ( g ) XXXX usc XXXX ( a ) and XXXX usc XXXX of the fair credit reporting act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been through it with this company. On XX/XX/XXXX I got an alert to my phone that advised fraudulent activity. On XXXX Bluebirds rep advised I would have my card within XXXX business days. WELP, here we are XX/XX/XXXX evening time and still no card. To add a few insults to injury, Ive talked to 12 reps and 1 supervisor " XXXX '' who is off shore and lacks empathy or customer service skills. These genius 's not only did not send me a card but messed up my address so my employer advised the direct deposit rejected. Not only until I called ( after many attempts and having to have my sister use her account info and call on XXXX way to get a rep ) they claimed there was an issue with my address being formatted and its been corrected... Still no debit card!! I have called every day 3-4 times a day since then. These reps tell me oh your card wasnt sent until the 12 then another says oh no no no it was mailed on the XXXX. The biggest slap in my face is 4 days ago a rep had the nerve to tell me they could only expedite my card if I FOOTED the {$25.00} bill to send it. After multiple reps overlooked that my address wasnt formatted ( Their verbiage ). Oh theres more! I get the so called supervisor XXXX from off shore who continued to talk over me, repeatedly advised My card was sent on XXXX then XX/XX/XXXX like the other reps. He not only gave misinformation but he submitted for me to get a withdrawl check by MAIL. I didnt ask for that!! Now Im calling to prevent them from issuing me a check because there is no way I trust these people with sending a check when Ive been waiting on a card for almost 21 days. They tell me to call today and get a stop payment on the check. The first guy says, after leaving me on hold for XXXX minutes, oh their systems are down you have to " call back in a few hours ''! The second guy says oh let me call that department, comes back to the phone saying oh we already sent the check itll be to you in XXXX business days. I STILL maintain my composure after he mutes me and I ask for a supervisor ( XXXX was his name ) Mutes for another XXXX seconds and sends me to another genious who is a supoosed supervisor who puts me on hold 3 times only to do like the last XXXX reps and tells me to call back Monday to make sure the check doesnt get mailed! WHAT! Are you kidding me! The first rep told me she put a stop pay on the check and to call back XX/XX/XXXX if its not posted back to my balance! Meanwhile, I still dont have a card! They keep lying saying they sent me a card and they havent! They have the card and my money! I have called so many times I have gotten the rep XXXX 3 times! The same guy! What are the odds of that in a call center. Just expedite the card and right your wrongs!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
in XX/XX/XXXX i bought 2 new tv 's from best buy i knew i would pay the balance when the card came in.i paid the card off in XXXX but noticed a charge for XXXX put there buy best buy .... not myself so i paid the balance of 3800.00 ( approx ) off less the charge that was added buy them. closed the card as it really disturbed me that they added this with out my say so they kept billing me and adding fees so i went ahead and paid the XXXX just to end there game they are still adding fees and sending me bills for a card that is no longer open the current balance is XXXX and they have been paid i am also disputing this with all of the credit agencies I am currently XXXX credit rating best buy i believe is way out of line with 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 monetary relief