vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation

Complaint narrative:
Sir/Madam : I am writing to you to resolve an ongoing issue with my XXXX XXXX Prepaid card XXXX XXXX XXXX XXXX. The name on the card is XXXX XXXX. I have been trying FOR WEEKS to get one of their appalling customer service reps to get this taken care of, to no avail. 

Explanation : My son and I had a web company called XXXX XXXX. We owned a number of domains, including XXXX   and XXXX. I retired and my son continued to run the company until he closed it a couple of years ago, but as far as I knew we retained the domains, which I used as my email addresses : XXXX and XXXX. A short while ago I realized that I wasnt getting any email addressed to those domains. It turned out he had sold them without telling me, not realizing I still used them. This caused me the current nightmare : I used them for all sorts of logins ; banks, XXXX etc, including XXXX. I have been trying to sort it out since. 

On XX/XX/XXXX a customer service rep of theirs helped to close them and use a new one at XXXX. However, I realized after we hung up that I couldnt get into my prepaid card account because it used the XXXX login to access it and she hadnt noticed it ( on the assumption she could see that information ). I have tried to get another of their reps to fix it - just allow me to use the card and Ill spend the {$60.00} on it and close the account. As far as I knew that was fine, I was going to do that onXXXX  XXXX, until that is, I got an email telling me the card was suspended for some reason. I called XXXX and spoke to a XXXX, who seemed unable to access any of the details of the previous conversations. It's a classic case of the left hand not knowing what the right hand is doing. I have now made 6!  international phone calls, sometimes being on hold for 45 min at a time. 

This is absurd! I probably spent more in phone calls from the XXXX, where I am at present, than there is on the card! There is nothing wrong here, all I need is someone in this dreadful company with some way of seeing the global picture to unlock the card, let me know and Ill go to XXXX and buy a gift card for my granddaughter with it and be done ; which is what THEIR REP told me to do on XX/XX/XXXX! Thats all I want. Using this card has been a farce, as soon as I use it in the XXXX theres a problem. Excuse me for using the card in a globalized world. 

Should anyone wish to call me my XXXX number is XXXX XXXX XXXX, but a simple email telling me the card can be used on XXXX with be fine, and I will bother them no more, I promise as XXXX is my judge. 

Yours truly, 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 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Received my only credit card prior to a 2 week XXXX vacation to reduce possibility of fraud while abroad. Returned home and waited for the statement, it came the next month with a late fee. I called the company and said we are getting off on the wrong foot - you sent me a statement that was after the due date - with a late fee. Chase would not budge. On XX/XX/18 I paid the balance in full over the phone with a chase representative ( {$3800.00} ) and closed my account with her over the phone due to their dishonest business practices. 
I receive a statement for {$31.00} on XX/XX/18 ( no XXXX statement sent ), again indicating that I had a {$16.00} balance and they attached another {$15.00} late fee on, after they closed my account and took my final payment over the phone. 
I find their business practices unfair, dishonest, and I believe the public needs to have the ability to protect themselves from these XXXX dollar corporations with unfair practices. As a veteran, I have moved over to XXXX for a credit card and have had none of these occurrences. 
We as individuals in the country, are literally becoming economic prey to these big banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10 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: MI

Complaint narrative:
I have a bankruptcy on my account. I contacted Transunion XX/XX/2018, and ask for this item to be removed. Their response was " this account has been verified ''. I ask them for any and all information they received to " verify '' this bankruptcy. At the same time I contacted the bankruptcy office and the third party and was told they do NOT verify information to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a bankruptcy on my account. I contacted XXXX XX/XX/2018, and ask for this item to be removed. Their response was " this account has been verified ''. I ask them for any and all information they received to " verify '' this bankruptcy. At the same time I contacted the bankruptcy office and the third party and was told they do NOT verify information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STERLING BANCORP
State: NY

Complaint narrative:
On Sunday XX/XX/2019, I have made an ATM deposit at a sterling bank in XXXX on XXXX XXXX and XXXX XXXX. I deposited {$1300.00} but I put in the envelop and also keyed in {$1200.00}. I called the branch first thing monday morning the person who answered the phone told me not to worry once they removed the envelop from the machine and count the money they will make the correction. she did not ask me for my account number or any orther information. That did not sit well with me I called back the second person told me the same thing but said by tonight you should see the correction but still did not take my information. I call the next day when I saw the correction was not made. the person I spoke to finally took down my information she check the account and said what ever was found in the envelop was deposited. she said she was going to speak to a supervisor and will call back. she call back stating she was told they found 18 {$50.00} bill and 15 {$20.00} bill, I told her that I knew 100 % that I had {$1300.00}, she just said sorry. a few minutes later the assistant manager called to say she counted the money herself and it was {$1200.00}. I asked if she was the first person to count it she hesitated and said yes than she said sorry darling I asked her to speak to the manager she said I am the assistant manager and hang up. I called the bank head quarter they said to deal directly with the bank. I sent the bank manager an email no response,. I file a complaint with the bank complaint dept no response. It is not about the {$100.00} it is about not being able to trust people in a company that is handling my finances. I am very sad to know for a fact that my {$100.00} was taken and people can be so dishonest specially when those people are handling my hard earn money. I know it is my word against them but I know the truth and whoever open the envelop first knows the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened an account with Chase bank, they set the account up after runing mu personal information, took the opening deposit of XXXX on XX/XX/XXXX. i updated my direct deposit to direct funds to chase on XX/XX/XXXX. now XX/XX/XXXX i am being told they are closing my account, rejecting my direct deposit and will mail me a check for the money in 7 to 10 days. i asked why and was told they are refusing to tell me why, refusing to give me any information whatsoever including what information was used to make the decision and will not give me my money back immediately even though they have no reason to hold it. i had a chapter XXXX bankruptcy discharged around a year ago so i donot owe them any money. yet now i am unable tee o pay my bills because chase has ALL of my money and all of my wages in limbo until the decide to send them back. the least they can do is tell me why or at the very least give me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I had a bank account with PNC 4 years ago, and I needed to close my checking and savings account when I moved to XXXX, because PNC has no branch in MA. Last time, when I had to close an account, I went to a branch and had someone help me in person. However, since PNC does not operate in MA, I had no other choice but call the customer service line to close an account, and I had no idea how to close an account via phone. The agent that spoke with me on the phone back in late XXXX told me that once I transfer all my money out of the accounts, I could call them and they would close the accounts for me. But he did not tell me what happens if I don't call and not properly closing my account. Coming from XXXX, I had no idea debit cards could overdraw. Therefore, I believe it's PNC 's responsibility to acknowledge me about overdraft charges. And because PNC 's customer line always take a long time to get connected, I didn't call them on time, and was not aware my account was getting overdrafted. Starting XX/XX/XXXX, because my XXXX account was automatically linked to my PNC account, every time I use XXXX to make a payment, I get over charged for XXXX dollars at PNC. I was not aware of the charges because I knew I had no money in my PNC account, so when XXXX say : transaction is not completed, I then would use my new debit card to make the payment. In mid XXXX I went on my online banking and saw I was charged for {$300.00} and more overdraft and overdrawn fees. I was connected to the retail escalation group for some help, but they told me it's not a bank error and they can not help me. The agent was also out of the office for about 2 weeks and I was not able to get in touch with her. As a result, my account now is charged off, I was not notified and couldn't use online banking. I personally do not think PNC valued me as their customer. As a foreigner, I was not aware of banking in the States and I believe it's the bank 's job to inform me about the consequences of not closing the account properly. PNC didn't do their job to inform me and all the other people ( foreigners ) who is not aware of overcharging. Instead, they let me getting charged overtime. I am a student and I don't have the money to pay off this ridiculous amount of fees. PNC said they could not help me file more complaints and therefore I decided to contact the CFPB to help negotiate. Thank you for your help and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
XX/XX/XXXX, I received a call from XXXX XXXX from Phoenix Financial stating they were trying to collect on a medical bill from XXXX. XXXX explained the bill was from the ER. I explained to XXXX that I had not been seen in the ER in XXXX, which he was referring to, and that debt was not my debt. XXXX proceeded to ask me, if I would like him to inform me of what the hospital visit was for. When he asked that, I realized that is not only a HIPPA violation, but also a violation of the FCRA. More so a HIPPA violation rather because I informed XXXX that that medical bill did not 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 2019-01-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We have an account with Wells Fargo from the company that installed our new air conditioning system. It has set equal payments and no interest. Back in XXXX my payment was five days late because of the way our checks fell, and I completely forgot about it. When I logged in to pay the bill I was told that I had to pay a double payment. One for XXXX and one for XXXX plus a {$27.00} late fee. Not a big deal, I was late. I get that, it happens. Keep in mind I was FIVE days late. Two weeks after the double payment I get a notice that I havent paid my bill for the month of XXXX. Another late fee has been posted to the account. When I call customer service they tell me it is because I paid early and the double payment applied to XXXX billing cycle. I was told that they had to put in a request to split the payment to cover both XXXX and XXXX, and to wait till the normal due date to pay XXXX bill. XXXX due date rolls around, I pay what I was told when I was told just like normal. By now Ive got multiple late fees and interest is not being added to my interest free account. I called again last week, I was sent straight to collections, and was told that they would put in ANOTHER request to have the double payment split. Earlier this week everything on the account was put back to normal. But they have reported my account as 30 days late twice to the credit bureau, causing my score to drop significantly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On or about XX/XX/XXXX, I closed my accounts with XXXX and no longer had access to online billing or being able to see copies of my bills. I also no longer received any goods or services from XXXX. I was told by XXXX before I closed the account that I would receive a final bill approximately 60 days after the fact. XXXX sent numerous emails to me about amounts owed, but no final itemized bill. I discussed the fact that I had not received a bill and gave them a current address multiple times, yet they still refused to send me a copy of it. The amount owed, according to XXXX, continued to increase, in spite my no longer receiving services from them. I disputed them amount owed with them via telephone and was told then were working on it. Then it was sent to XXXX XXXX XXXX which said they sent me a letter of validation but that it was returned because of incorrect address. I again gave them a current address but they did not send another letter. They then placed the item on my credit reports in XX/XX/XXXX, with the incorrect amount that I had been disputing with XXXX since XX/XX/XXXX. I sent in yet another letter of dispute to XXXX, XXXX, and all credit reporting agencies. It is still listed on my credit report as with XXXX, even though the debt has not been legally validated. Further, today I received a letter from XXXX, stating they were hired from XXXX after the dispute and asking me to validate the debt. I am responding with a letter disputing the amount and validation of the debt, citing that i have YET to receive an itemized final bill from XXXX. This is illegally on my credit report, as the debt has not been validated by the original creditor or the collection agencies engaged by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the Cap1 agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that Cap1 took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX  in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on my credit report {$580.00} is past due and it's hurting my score.They have never reached out or contacted me in any way saying I owe anything. I have receipts that show my balance with them is {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: GA

Complaint narrative:
On or about XX/XX/XXXX, I closed my accounts with XXXX and no longer had access to online billing or being able to see copies of my bills. I also no longer received any goods or services from XXXX. I was told by XXXX before I closed the account that I would receive a final bill approximately 60 days after the fact. XXXX sent numerous emails to me about amounts owed, but no final itemized bill. I discussed the fact that I had not received a bill and gave them a current address multiple times, yet they still refused to send me a copy of it. The amount owed, according to XXXX, continued to increase, in spite my no longer receiving services from them. I disputed them amount owed with them via telephone and was told then were working on it. Then it was sent to XXXX XXXX XXXX, which said they sent me a letter of validation but that it was returned because of incorrect address. I again gave them a current address but they did not send another letter. They then placed the item on my credit reports in XX/XX/XXXX, with the incorrect amount that I had been disputing with XXXX since XX/XX/XXXX. I sent in yet another letter of dispute to XXXX, XXXX, and all credit reporting agencies. It is still listed on my credit report as with XXXX, even though the debt has not been legally validated. Further, today I received a letter from XXXX, stating they were hired from XXXX after the dispute and asking me to validate the debt. I am responding with a letter disputing the amount and validation of the debt, citing that i have YET to receive an itemized final bill from XXXX. This is illegally on my credit report, as the debt has not been validated by the original creditor or the collection agencies engaged by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
OCWEN LOAN SERVICING AND XXXX, XXXX & XXXX HAVE VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''. TITLE X 31 TIMES SINCE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
on XX/XX/XXXX citizens bank made a payment from my checking account for {$100.00} when my account had {$1.00} in it and then added overdraft charges so that now they say I owe {$230.00}. I went into my local branch on or about XX/XX/XXXX to resolve the issue but they refused to reverse any of the overdraft charges. the problem is that they are making at least 3 automated calls per day to my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10 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: NJ

Complaint narrative:
To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the XXXX agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that XXXX took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation