vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I contacted CXXXX XXXX, representing XXXX Florida Credit Card servicing, because I have been receiving emails about an account I never opened. An option for " No longer receive these emails '' or " This is the wrong email '' was nowhere in the email. I was concerned that either ( A ) my identity had been stolen, ( B ) this was a phishing scheme, or ( C ) a person with my name had accidentally typed in the wrong email address. 

After being transferred, I spoke to a person who said they could help. The first thing they asked for was my social security number. They then gave me the option of giving them the email. 

After I gave them the email and they flagged it, I let them know that asking for my social security number was something no bank would do, and that their system had a problem. They insisted their system was fine. I explained that if their system was fine, emails would have a confirmation process, then I'd never have received these emails in the first place. 

The person said I knew it was a bank, so I should be comfortable giving them my SSN. I explained that I had no idea it was a bank, it was simply a phone number in what could be a SPAM email. I'd never heard of the bank, and every piece of correspondence had a different physical address and company name. 

The phone number I called was XXXX. I had to sit on hold for about five minutes and deal with two customer service representatives because someone typed in the wrong email. The entire interaction left me frustrated and suspicious, and I would like someone to examine their operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: PNC Bank N.A.
State: OH

Complaint narrative:
I went to PNC bank on XX/XX/2018 to withdrawal {$500.00} the teller was busy at the time with other things..then she told me there was only {$44.00} left. I said that was impossible. and she told me to move on. checking with my XXXX XXXX account it shows PNC bank is " pending '' to take out {$500.00} thrus showing only a {$44.00} balance. when I went back to the bank on friday the same teller told me to leave. I tried to speak to a Manager and they were to busy.. 
I would like my {$500.00} released asap thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified consultants keeps calling to collect a debt I don't owe, reporting it to different credit agencies repeatedly. a debt of XXXX is said to be owed on some equipment that was retuned but not credited

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, Wells Fargo student loan, loan # XXXX. The loan came out of deferment in XXXX, 2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted Wells Fargo to update my address and set auto pay to ensure timely payments. 
As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested Wells Fargo retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay. 

Wells Fargo refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and Wells Fargo should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately. 

Thank you very much for your assistance with this matter. 

XXXX XXXX XXXX ( XXXX ) 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 2018-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposited a {$1300.00} LOAN check received from XXXX XXXX XXXX XXXX TX location. I made inquiries about the possibility of paying the loan off early and whether there were penalties. The representative stated there were no early pay off penalties and if I decided to pay the loan off early, I would only be charged interest up to that date on the balance of the loan amount. This sounded legitimate and I proceeded to deposit the check.

Each month I hand deliver a money order to the local office. On XX/XX/XXXX I was three payments in, and I called the company to get a payoff figure for my account. I was told if I paid the account off on that day, I would owe {$1300.00}. This amount was more than the amount I borrowed, and this triggered concern and prompted more investigation. I further asked her how my payments were being allocated. She stated that of my {$110.00} payment, {$57.00} was being paid toward interest, and {$56.00} was being made toward the principle. This indicated my payment was being split nearly in half.

I never received an amortization schedule or payment allocation notice about how my payments will be allocated from XXXX XXXX. According to the promotional material/contract, all the terms were included in this one document. I initially understood that I was accepting a loan for {$1300.00} with a 63.78 % per annum interest rate.

The Payment Schedule description defines 18 payments of {$110.00} each month beginning one month after the check is paid detailed in the Truth In Lending Disclosure Statement ( TILDS ) on the front of the promo contract.

To date, I have made 5 payments as of XX/XX/XXXXtotaling {$560.00} where not even half has gone toward principal. I am being charged nearly 50 % with each payment, and still being charged on the TOTAL of payments outlined in the TILDS. The Total of Payments clearly states The amount I will have paid after I have made all scheduled payments. Which I interpreted to mean only if I stick to the payment schedule until the end of the loan period of 18 months.

I would have NEVER agreed to accept a loan that would charge me 50 % of each payment on top of 63.78 % annually.

I believe that XXXX XXXX  intentionally neglected to explain clearly the terms in their promotional contract or further confirm the conditions by following up with a written document that provided an official amortized schedule. I believe this to be predatory lending practices. I believe they intentionally overcharging consumers and being deceptive and ambiguous with their language.

I have attached a copy of the promotional document that was attached to the {$1300.00} check, the last/most recent payment receipt showing payment/balance, and the amortized schedule that my attorney friend provided during our consultation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My husband forgot to pay XX/XX/XXXXXXXX XXXX Care Credit {$27.00} payment. I did not get an email notifying me, I get a call demanding payment 10 days past the due date and tell them I cant make the missed payment at that moment in time. My husband makes the normal payment on XX/XX/XXXX, but makes it the normal amount {$30.00} ( I didnt know that he did that ) so the XX/XX/XXXXpayment is covered but not XX/XX/XXXXpayment or the late fee.

Again, no email or text notification, just lots of calls from people who are bullies who dont follow the Fair Practices Act and know it.

I begin getting calls from Synchrony and when I answer I am told they are attempting to collect a debt, I tell them we paid, they say it wasnt the full amount so I tell XXXX - he said his name was XXXX we will include the past due of {$30.00} and late fee of {$35.00} onXX/XX/XXXXdue date, that I cant pay it today but it will be before its 30 days past due and Im told they are bank and it doesnt work that way. I tell him hes not working with me, he tells me again they are a bank. I hang up because he wasnt following the Fair Practices Act, being derogatory and mysoginistic in tone at XXXX XXXX on a Saturday. XXXX XXXX Care Credit charges an arm and a leg in interest, and this is the first time Ive ever been late on a payment and they used a bullying misogynistic phone caller who demanded money immediately before the bill is even 30 days past due and refused to hear or accept what i was saying.

If this is what bank deregulation is, I dont want it to ever be deregulated again. I cant snap my fingers and make money appear overnite and they are not working with people who get paid twice monthly nor due they notify by civilized means, aka text or email.

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 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was set up with auto-pay for an amount higher than the minimum payment and the Minimum payment changed and they charged me late fees even though the account was set up with Auto-pay. I requested the fees to be reverse and they did not do it. Due to this issue my credit score took a dive and they wont fix it either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-31 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: DE

Complaint narrative:
My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XX/XX/XXXX; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX  XXXX XXXX XXXX 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 2018-03-31 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: DE

Complaint narrative:
My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XXXX  2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: MA

Complaint narrative:
I have a new phone number for about one year. This Hunter Warfirld collection company is looking for someone else, not me. They call 3-4 times per day, always a different phone number leaving multiple messages. No one ekso can leave a message, they fill my box.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My complaint is the disclosure of the rules regarding tier points for the XXXX XXXX XXXX XXXX  Card. As I have learned only after receiving and using the card for a few months there is a difference between the Plus card and the Premiere card. I only learned of this after the first two billing cycles. Before 2 days ago I did not know there were two different cards. I carefully read through the rules and regulations that were publicly disclosed when I applied for the card and did so with the understanding that tier points would apply towards XXXX A-List status. Only when the tier points for the XXXX18 billing cycle were not credited towards my A-list status did I inquire. Then and only then did I learn of the existence of a second card, the so-called Premiere.

When I called to find a solution to this problem I was told that Chase would do nothing to help. Yes I was willing to pay the {$30.00} difference. At that point to me a line was crossed from an onerous and confusing disclosure on the part of Chase to that being a deceptive business practice. I escalated the complaint in writing, cc-ing XXXX XXXX XXXX of XXXX XXXX, their cohort in this wrongful deception.

I received a form letter from Chase that they would do nothing to help. Neither has XXXX responded aside from a postcard and a complaint number, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
OnXX/XX/XXXX I noticed an unrecognized charge of {$9500.00} on my Huntington Bank debit card made at XXXX. I immediately called Huntington Bank customer service that same day and was issued a new debit card and was told they would refund my money back, days later I received the debit card but the money still was not credited back to my account. I then proceeded to contact Huntington Bank on XX/XX/XXXXand was told it would take up to 10  business days to have the money refunded. It is now been more than 10 business days and I have not received the money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I contacted XXXX XXXX and chexsystems about an account that was charged off on XX/XX/2011. It is explicitly stated that each report submitted to ChexSystems remains on our files for five years, unless the bank or credit union that filed the report requests its removal or ChexSystems becomes obligated to remove it under applicable law. With that said, its been 7 years and I have spoken with XXXX XXXX and the Chexsystem and they each continue to tell me to speak with the other party. This has caused me to not receive employment, be denied from loans and its me and my wife from purchasing our new home. Please remove this account from my ChexSystem report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Disputing : Account : XXXX XXXX  On XX/XX/2018, I disputed the following account in writing due to me having no recollection of ever having an account with XXXX XXXX who is reporting negative information to my credit profile. In my first dispute, Transunion and XXXX XXXX failed to provide Verifiable Proof such as, an original Consumer Contract with my Signature on it for the account listed above. 

Their failure to positively verify these accounts prior to reporting them, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove these accounts. I believe that they have failed to follow the law ( s ) on this matter.

Also, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to physically verify the original signed consumer  contract, and all accounts they they post on someones credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Transunion and XXXX XXXX 's refusal to follow the law has left me with no other option, but to file this complaint.. 

I am submitting my dispute letter that I sent to Transunion on XX/XX/ 2018.

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 2018-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
OnXX/XX/XXXX, I logged into my WELLS FARGO Online portal to utalize the XXXX money transfer feature. I was trying to send {$580.00} from my WF savings account to myself via my telephone number as the recipient. This was the first time I had tried using this option to send money to myself. After completing the transfer I realized there was an issue because I did not receipt an alert on my phone number indicating that I have money received. I called WF immedietly to figure out what was going on. The money had left my instantly yet it had not come to my phone as an alert. I panicked as WF told me theyd have to open a case claim that could take 10 days. I kept calling them every few days and I was concerned and unsatidfied by their response. They claimed that the funds went to someone that had my phone number formerly registered to them yet the name on the transfer did not match. Then WF told me that Im basically XXXX  and that theres no way to retract the funds back and that Im left without any resolution of getting my money back. Im very irate at Wells Fargo and at their lack of due dilligence in trying to protect their customers funds. There should have been a third step in verifying the transfer. The manager whom I spoke to told me that this happens all the time with customers. That is extremely alarming and concerning given that telephone numbers are recycled all the time. I have had my number for approx. 5 years so I am completely still confused as to how this happened and the fact that I have been without this money for over a month 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 2018-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Recovery Services, Inc.
State: AZ

Complaint narrative:
ACCOUNT RCVY SERVICE has a medical collection on my credit report that was paid in full long ago. I am asking that this company cease and desist and clear my credit report within 3 business days. It is listed as 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 non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX  has never given me any verifiable information that I can take a look it to assess what debt they say I owe? 

I also never got any statements in the mail nor any confirmation of any such debts. 

They blatantly violated the FDCPA and did not disclose my right to dispute. 

Also - they are illegally reporting on my credit report ( which accordingly to several case laws, constitutes a collection activity )

Company response to consumer: Closed with explanation