vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 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: CA

Complaint narrative:
I checked my credit report and noticed several fraudulent accounts. Please help me remove these accounts as soon as you can. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On or about XXXX of 2019 someone hacked into my Payal credit account made charges on it and then requested that my account be closed. Synchrony Bank, the owner of Paypal, made not attempt to contact me regarding the closing of my account or the report of fraud. Once I realized I could not longer make charges to my Paypal account I discovered the fraudulent charges and I reported to Paypal/Synchrony that my account had been hacked and I never requested my account to be closed. Despite many messages I sent to Paypal/Synchrony to rectify this mistake by them they sent me a letter without as much as asking me a single question about the fraud and closed my account severely damaging my credit.

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 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I initially signed up for the XXXX XXXX XXXX XXXX  rewards credit card for the advertised credit increase program they had. Your supposed to receive a increase to your credit line after your first 3 on time payments, however during this period comenity bank took over the XXXX  card services. I called them see if they would still honor the promotion and they stated they do not offer any of those types of promotions. The credit increase promotion was the only reason i got the card and i planned using it to build my credit. I feel this is misleading and false advertisement. In addition XXXX XXXX  has banned me from their network so i can no longer access the payment portal to make payments on this account. I would like for comenity to honor the promotion i was advertised or void the balance of this card because i can no longer access this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have contacted Collection Manager Mr.XXXX XXXX and he refuses to answer my calls as his reps stated a couple of times that he is not available and will not have a affordable monthly payments of {$70.00} @ month is what l can afford to pay my personal loan with Oportun. 

I can pay only {$70.00} @ month until loan debt of {$4500.00} is paid off. 
I can call Oportun each month and pay the {$70.00}. 

It appears that Oportun wants to violate my XXXX XXXX Civil Rights Act under Department of Justice and ruin my credit and send derogatory remarks to XXXX, XXXX  and XXXX  credit report Agencies. 
I am willing and able to pay a monthly payment plan of {$70.00} @ month to pay loan debt. 
I am respectfully XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX XXXX Payoff ordered XX/XX/XXXX. It was even escalated on XX/XX/XXXX. THREE WEEKS LATER WE STILL DONT HAVE IT!!!!!!!!!!!!!!!!!!!!! -- -- -- -- -- -- -- -- -- -- - At this point PNC is well outside Federal and State guidelines for providing a Payoff Demand, the consequences of which include Civil & Criminal Penalties. 

-- -- -I want the Payoff Demand delivered to us without further delay or pathetic excuses. THIS IS RIDICULOUS!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Today XX/XX/2020 I was hung up on and harassed about an account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
I have emailed and spoke to Prosper about calling my work. They continued to call even after payment arrangements were made online. I have the email ( XX/XX/20 ) where I asked them to stop calling my work which they acknowledged and I have spoke to them about calling me at work ( XX/XX/20 ) he said he saw a payment and will put to stop calling at work. They have been told several times to stop calling my work. I have the email, date of the phone call where I spoke to a representative and several phone pics of them calling my work. I would like to file an FDCPA complaint for harassment. The calls often times are no one saying anything or they will speak to my coworker, but not me when i get on the phone.

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 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On Date XX/XX/XXXX there was an unauthorized charge on my PNC debit card for {$100.00} made at a gas station in XXXX XXXX about 50-60 minutes from where I live. I have never been to that area in my life. On XX/XX/XXXX, there was another unauthorized charge of {$99.00} on my debit card also at a gas station in the same area as the previous transaction. My debit card was in my possession at all times and I did not lose it or let anyone borrow it. I called the bank on XX/XX/XXXX when I saw the transactions and reported the fraud. The bank never advised me to contact the merchant, as a matter of fact, I asked for the merchant address and they told me they did not have the information and told me to XXXX it, nor did they tell me that it was necessary to file a police report. They temporarily credited my account. I received a letter on XX/XX/XXXX that my claims had been denied with no explanation why and was told that the money would be withdrawn from my account. I called the PNC fraud department and was told that I should've known that I had to call the merchant and file a police report without being told to do so. They were extremely rude and unhelpful. Finally after asking several times how this bank protects my account from fraud, without an answer, my concern was sent to the escalation department. I received a phone call from them the same day along with an email. I called the phone number and left a message to the escalation manager who sent me the email. She never returned my call. I wrote her an email as well and she never replied to the email. I called the XXXX number and waited for another escalation manager to help me and got through to someone and explained what was happening. He stated that my claims were denied because other charges on my account hadn't been reported. I told him that the other charges were valid and I made them and they had nothing to do with the two fraudulent charges I didn't make. This makes no sense. 
He said he was going to submit the claims again for another investigation so that I can have my money returned to me. This was on XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating that my claims were denied. I don't understand how a proper investigation was done in two days. I also called the police and filed a police report on Friday XX/XX/XXXX reporting this fraud. I called the escalation department and advised them that I filed a police report and to call me back so I can give them the report number. No one called me back. I'd also like to add that I've had a mortgage with PNC since XXXX as well as a bank account. I've had nothing but terrible customer service and feel very unsafe in keeping this bank account open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
On XX/XX/2019 I used my XXXX XXXX XXXX debit card at the bank of Oklahoma outside ATM between the hours of XXXX and XXXX XXXX. The branch address is XXXX XXXX XXXX XXXX XXXX, OK XXXX. 

I attempted to withdraw {$400.00} and there was a {$3.00} service fee since I do my banking at XXXX  XXXX XXXX. After putting in my pin number and typing in how much money I wanted to withdraw the ATM completely turned off. I waited a few minutes and the machine did not come back on. I pulled around to the front of the building and went inside to talk to the teller. She said Oh man ... It turned off again? She assured me that the {$400.00} withdraw would show up as processing on my bank statement for a few days and then it would completely fall off since the money was never dispensed. I withdrew {$100.00} from inside the branch and left. 

About a week later I noticed that the {$400.00} ATM withdrawal that I never received was debited from my account. My husband and I have contacted Bank of Oklahoma several times and have even filed complaints through XXXX XXXX XXXX or assistance with this issue. Bank of Oklahoma says that the money was dispensed. If that is the case, we have been asking that they view the security footage from the ATM because the money was not received by me. My only guess is that the ATM came back on eventually and dispensed the money to someone else. After multiple claims have been opened, we have not reached the proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: VA

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX  XXXX  XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : 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 2020-02-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2019, I refinanced my office building loan with US Bank. At the time, I inquired about the prepayment penalty in the promissory note. The promissory note made a vague reference to the calculation that only a Chartered Financial Analyst could understand. I wanted detail information as to how it is computed so I could understand how to mitigate such a penalty in the event I sell my building. I was told " not to worry about it and that it is there in case rates went down to protect the bank. '' Had I had this detail information, I could have gone to another financial institution to see how their prepayment penalties work in comparison. US Bank, however, did not want me to go to another institution and made the refinance easy only asking for my drivers license and my wife drivers license. No tax returns, no financial statements, no paperwork. I am now contemplating selling my office building and asked the bank for payoff information and the prepayment penalty. The bank sent me a payoff statement with a prepayment penalty of {$13000.00}. I asked the bank for a detailed computation of the prepayment penalty and I was told that I have to sign a nondisclosure agreement regarding the calculation. The bank has told me that such a calculation is confidential and proprietary. However, it is my calculation as I am the one paying the prepayment penalty. I should not have to sign a nondisclosure agreement to get the calculation for my prepayment penalty.

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 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Since XX/XX/2019, this company continues to send me letters stating they are attempting to collect a debt for {$270.00} for XXXX XXXX XXXX. I have sent them 4 letters asking for debt validation and they continue to ignore my request. Instead, they continue to ask for payment. In the last letter I sent to them, dated XX/XX/2019, I advised them that I believe their company has violated my consumer rights in the following ways. 

Failed to validate a debt at my request FDCPA violation Continued to attempt to collect a disputed debt FDCPA violation But yet they still send more letters dated XX/XX/2019 and XX/XX/2019 asking for payment without validating the debt. I've asked that they provide proof of their right to own/collect this alleged debt and to provide the following : 1. Balance claimed including all fees, interest, and penalties 2. Copies of any papers that show I agreed to pay what they say I owe 3. The original contract bearing my personal signature 4. License proof to collect debts in my state 5. License numbers and registered agent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage has sent out loan modification paperwork to me multiple times. I don't get them until the deadline to file is past. The last packet was dated XX/XX/XXXX and application deadline of XX/XX/XXXX, but it did not get to me until XX/XX/XXXX. I still send the information back to them, but I never get a response that states whether the modification was approved or denied. Also during the foreclosure process the stopped taking payments. The last payment was made in XX/XX/XXXX, the XXXX payment came back as insufficient funds, yet the funds are still sitting in my bank account. They also have kept sending me the monthly statements which shows the total reinstatement amount due. But they said they won't take that amount, the attorney at XXXX XXXX has to take the payment. XXXX XXXX states that their only fee is the filing amount, but the difference between the statement amount and the amount from XXXX XXXX is {$2000.00}. Please help, they could care less about helping people and just want to take their homes.

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 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi Aadvantage Mileup card. I have had several accounts with Citi over the years, and always made my Payments on time. I have spent At least {$50000.00} with them over the past couple years. There was always a policy of waiving 1 late fee per year. Recently I was going through my accounts and changed some due dates on my accounts. This past month I confused my cards and paid 2 days late thinking it was the other Citi card. When I called to ask the fee be waived, the original respresentative stated that they can only waive one fee per year. When I asked when the last one was, I was told XXXX. It is now XXXX so I asked if they could waive this one, and was transferred to a customer service manager.  He was very rude and refused to waive the fee, stating the policy was changed and they dont waive fees anymore. I was never told of that policy change. I believe I should be refunded the Late payment fee.

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 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019 two ( 2 ) payments were made and posted to my Citi credit card. One in the amount of {$2500.00}, and the other payment in the amount of {$200.00}. The {$2700.00} paid my credit card off. Once the card was paid off an offer came up to take a citi flex loan of {$9500.00}. The flex loan would be offered at a rate of 7.99 % and be paid in 34 payments. It clearly showed this on my XXXX statement. This then changed the following month. {$2500.00} was being charged 21.99 % and the remaining {$7000.00} was being charged at a rate of 7.99 %. The payment stated in the Citi Flex Loan was {$230.00} each month. Now I am paying approximately {$360.00} a month versus the {$230.00}. 

This account needs to be put on the Citi Flex loan that I signed and agreed to at 7.99 % and {$230.00} a month. 
Ive contacted Citi 3 times without resolve.

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 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, there're 4 tax payment ( grouped ) hit on my Chase business checking account, however, my funds in the account is insufficient, so Chase had charged me the over-drafting fees for a total of 4 times. ( 4 x {$34.00} ) I understand there will be penalty for insufficient funds, however, the fees should not be charged multiple times within in a day! It's not fair to charge that for a group of unrealized tax payments hitting the account at the same time. 

Chase had tried to made it into a reasonable case that they had refunded me such fees before so they can not do that again and it could go up to 6 times a day for over-drafting fees. Again, I want to definitely file this complaint as this is absolutely not fair to charge it for multiple times, if I fail to keep the balance for one time I will take the penalty for one time, but not multiple times within a day! how would I know how many transactions will hit for the same time at one day as a busy small business account? That's ridiculous! 

As a five years old customer with Chase they did not even get that resolved for me. Please be aware of the big drawback for using Chase as small business account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I applied for a store credit with XXXX XXXX, XX/XX/XXXX and was awarded {$300.00} that night. I then made a few purchases that evening only ( 2 or 3 items ) no where near my limit. I was then told to expect to my card in the mail. I waited over 30 to 45 days and still no card. I then called customer service @ XXXX XXXX, I explained my dilemma I was told my card already was sent. I then replied I never received it & I requested that card be canceled & issue a new one & gave my correct address I also explained why am I receiving a bill at the correct address & my card didnt make it here. I finally received my card in the mail 2 months later. I have a restriction on my card where I can not make any purchases, I do cash purchases only. I havent used my card in years & to date my balance is over {$300.00} so where are my payments going or even being applied. If I am restricted From card usage WHY IS MY BALANCE NOT GOING DOWN AT ALL, also have had my credit limit decreased to {$200.00} dollars with no notification, as I looked at my statement today, I made a payment of {$40.00} on XX/XX/XXXX, my due date & there is a late fee on this bill for {$39.00}. Also I pay my bill monthly in the store, I double & triple my minimum payments due. When I call about my bill at any time Im routed directly to collections @ Comenity Bank, their staff & reps are very rude & unprofessional, always persistent with strong arming additional payments & talk of legislation action, unwilling to assist or even hear any of your concerns. I dont know what to do, this is the reasoning for my complaint. Thank you

Company response to consumer: Closed with explanation