vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I deposit my payroll check twice a month for the same amount, same employer check over the past 6 months.. Bank of America seems to somehow not hold the deposit, and yet the next time they DO place a hold on my payroll check. 

I just never know what to expect or how to plan for what seems to be excessive holds even though my account is in good standing, I have never had a deposit returned nor do I overdraft my account. 

I feel discriminated against, and they never can explain the inconsistency or why I cant depend on having access to my money. 
I asked to escalate my complaint and I get told their is no one to escalate my complaint to or explain why they are holding my deposit.

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 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: INVESTORS BANK
State: NY

Complaint narrative:
I opened the checking account on XX/XX/XXXX with the bonus offer : " XXXX, XXXX} per month for 10 months. Reward payments will cease at the earlier of reaching XXXX total or XXXX consecutive cycles from the date you opened your account. To be eligible to receive monthly bonus you must satisfy the following transaction activity requirements : have an ACH deposit to your account of {XXXX} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle, using your XXXX XXXX XXXX XXXX linked to your account. " Until XX/XX/XXXX, the XXXX consecutive cycle ended, I had 10 cycles with equal or more than XXXX POS transactions in each cycle. So on XX/XX/XXXX 's statement, the 10th XXXX bonus should be posted. However, it was not. I online chatted and the agent confirmed that {XXXX} should be posted on the statement of XX/XX/XXXX. She said I need to contact the branch to let them manually correct the error and give me the bonus. I called XXXX and the agent confirmed again that the bonus should be posted. He submitted a case for me and promised I will get a response by Monday XX/XX/XXXX. But until today, I did not receive any response and no bonus posted in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion I demand the following account be removed from my credit file immediately per the FCRA 623 AND FDCPA 806B STATES THAT THE CREDITS MUST MUST ENTER A NOTICED OF DISPUTE IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT CAN NOT REPORT ON THE CREDIT FILE I WANT YOU TO ALSO SEND ME HOW MANY TIMES THE ACCOUNT WAS DISPUTED WITH YOUR COMPANY AND NOT A SINGLE ACCOUNT IS REPORTING THIS INFO I WANT THE ACCOUNTS DELETED ASAP XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX PLEASE ENCLOSE IN YOUR RESPONES HOW MANY TIME EACH HAVE THESE ACCOUNTS BEEN DISPUTED AND THE MESSAGE IS NOT REPORTING ON ANY OF THEM. DELETE ALL ACCOUNTS ASAP

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 2019-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
As the records show within each government agency where I filed each of my complaints about the violations and/or crimes subjected against me by Wells Fargo Bank N.A and after I made all those Reports Wells Fargo Bank N.A again retaliated against me by direct threat and/or intimidation in retaliation for complaining to the CFPB and other government agencies. I believe Wells Fargo Bank N.A continuous retaliation against me is in violation of the CFPA and other applicable laws. I would like full investigation of my case which is also a human rights case against a consumer and a constituent. Wells Fargo Bank N.A fraud, corruption, threats and other adverse actions will not silence me and if anything to happen to my freedom, safety and life Wells Fargo Bank and its involved agents, executive and/or employees must be prosecuted and held fully legally and criminally responsible. All stated herein is to my current states knowledge, belief and understanding and it is subject to anything or any correction by me or my legal representative at anytime without prior notice and without waiving my rights.

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 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I tried to send money to my brother at Western Union my I dont understand they just told me to refund was going to be sent to my mom. XX/XX/2018 {$200.00}. Company never helped me 800 number was rude and said I cant send money. Can U get treated fair. Me my brother and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MI

Complaint narrative:
After my student loans had went into repayment the payment amount was too high. As a result of the high payment I had applied for options regarding a lower payment. The documentation that was requested to make arrangements was sent to the company. The documentation was either not enough or not what they needed. As a result to the runaround my credit report shows that I have 84 missed payments from XX/XX/XXXX-XX/XX/XXXX a total of six missed payments for each student loan account as they are not consolidated. I was finally able to get onto an income driven repayment plan after speaking to the right person and bring the account to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I have a credit card that is the " world '' card. The card was assessed a foreign transaction fee because it is not the " elite world '' card. The name of the card is misleading and contrary to information provided to me by the bank prior to foreign travel. When I called to resolve the {$1.00} fee that was assessed on XX/XX/19 I was told there is nothing that can be done since it is not the " elite world '' card. It seams as though the information provided to me was wrong as representatives for the bank are also confused between the two " world ' cards. The company would not take any action to resolve the issue, which is a {$1.00} fee. I have been a customer for over 10+ years.

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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX ,  XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX ,  XXXX , XXXX  XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/2019 my direct deposit went into my private checking acct ar PNC ( I had opened the acct because I had asked my husband for a divorce and was trying to separate our finances. He had no clue what my new acct number was ) When I got up that morning to check my balance and move money to XXXX to pay my rent I was shocked to discover that a phone transfer had taken place moving money from my private acct to a joint acct I had shared with my husband and two atm withdrawels totaling {$1000.00} dollars. I was unaware of this and immediately called my bank to dispute it. I was told by the bank that since it was a phone transfer all he needed was my social and not my acct number to access my funds. I was not happy and went into the local branch in XXXX, Alabama and was told that they were unclear how he was able to access my personal acct without my PIN number and to call back on the XX/XX/XXXX when the transaction would no longer be pending. From there I was told that the funds never officially left my person since it went into an acct that had my name on it. Even though I did not give approval for any transfer and the person who did the transfer was not on my personal acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have tried several times getting information from Experian regarding Account listed on my credit report with The cash Store Account # XXXX amount owed {$1600.00}. 
I sent several certified letters including 609 letters asking for information provided by the company validating this is my account. That has yet to happened. I also filed for CFPB to look into this matter ; but I haven't heard received anything in writing.

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 2019-05-09 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have fallen behind on my payment on my American Express business credit card due to a financial hardship, the 30 % interest rate and slow business sales. With the increased interest rate, the payments rose to $ XXXX/month which caused an additional hardship. The only option I was given for a lower interest rate was to pay the total past due amount and then I would be considered for a hardship program. This was not possible, so I had to let the account go delinquent since I could no longer afford the payments. 

After not being able to get in contact with me, American Express started calling my husband. On XX/XX/2019, XXXX XXXX ( XXXX ), calling from phone number XXXX contacted my husband on his cell phone and left a message addressed to both of us. My husband is not an account holder on my business credit card and American Express is not authorized to speak with him regarding my account. The manager above shared personal account information with my husband, including the amount due. He also threatened my husband by saying they have his social security number. 

Today, my privacy was not protected by this American Express manager. These tactics are unacceptable and so I'm reporting this incident to the CFPB. During the past 8 months, I have experienced a death in my family which caused sales in my small business to decline. I am also in the process of relocating to another state, which is causing another hardship. The tactics used by this manager in contacting my husband and threatening that they have his social security number has added more stress on this situation. 

American Express did not keep my personal information secure and confidential. Instead, they used it as a collections tactic and shared it with an unauthorized person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
in XX/XX/2018 I received a {$5000.00} installment loan from Money Mart. I made about 4-5 payments and then had difficulty with paying the almost $ 600 monthly payment. I needed to talk to  them but had difficulty locating the number to reach customer service. I never received any monthly statements, notices, or anything regarding my installment loan with Money Mart either by mail or by email. I fell behind on payments and while trying to fix things, the loan was charged off and I wasn't notified before or after. The loan had not initially even appeared on my credit report. I'm not sure if they are required to, but I believe the Fair Credit Reporting Act requires that they notify me when negative information is being furnished to the credit bureaus, doesn't it? I did not know that they were going to report this information until I checked my credit and saw that a 90 day late had appeared. I called them and was told by the person on the phone that they " just started doing stuff like that '' and they didn't have much information to give me. I ended up with 2x90 day lates on my XXXX   report and then without warning the loan was charged off. FCRA rule states that the creditor is supposed to notify consumers if negative information is going to be reported to credit reporting agencies including charge-offs and late payments and the notification is supposed to be done within 30 days. Without notification I did not have sufficient opportunity to rectify the situation. I don't think this is fair. The 1000 % interest rate may have been legal in California but I feel like this was not a fair deal. I believe that not providing statements and written communication is part of an overall strategy to take advantage of borrowers like myself. It's like they want me to default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.

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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a unverified account that is not accurate showing on my credit file from a XXXX  FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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:
This is in regards to an investigation with Transunion, file # XXXX. I filed a dispute online with Transunion and submitted supporting documentation to review with my dispute. The documentation supports that I made all payments on time in regards to the account with XXXX. Transunion conducted the investigation without reviewing the supporting documentation and made an unfair and incorrect decision, resulting in the error remaining on my credit report. I contacted Transunion on 3 occasions to resolved and every time my call was transferred because Client Relations does not handle online disputes. Each time I call the Online customer service number, I was directed to same Client Relations department.

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 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My chase amazon card was declined for a catering order I had placed for my brothers funeral in the amount of {$710.00}. I contacted chase around noon today XX/XX/2019 and was asked the last 4 numbers of my chase savings account and the other user on my account. I responded that I did not have a savings and I am only authorized user. Customer rep told me they would call me back in 10 minutes to keep the line open. I didnt receive a call back after an hour so I contacted chase. From the first call I thought someone was using my card fraudulently. I spoke to the rep who transferred me to a supervisor XXXX who said the card was activated and the transaction would process. Called the catering company and card was declined. I then used my XXXX  XXXX card to pay for the order. XXXX XXXX texted me asking if I was authorizing purchase and I responded yes. Contacted caterer and XXXX  XXXX was declined. I contacted chase again spoke to rep was told the initial questions are used to trick people to see what there answer would be. She told me the CVV code was incorrectly being input by the caterer and I responded that I had gone over the numbers and CVV used was correct. She told me the card was cleared for the purchase and she would monitor it for 24 hours. Called caterer - card declined. Use a MasterCard  which processed. Went to use chase amazon at restaurant at XXXX pm tonight in the amount of {$63.00} - it was declined. I was told by chase I was not over limit. Still frustrated figuring out multiple declines after several conversations with chase stating the card would be ok to use. Embarrassed as the caterer kept suggesting I was over my limit which I pay my card in full every month and chase confirmed that I was under my limit with the {$710.00} transaction. Never been declined by either chase or XXXX  XXXX before - today after multiple assurances that I was all set and card would be monitored to make sure transaction would clear - it never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent in multiple written request for information regarding an account listed on my credit report for XXXX XXXX. I asked Trans Union credit agency on multiple occasions via letters to provide me the information XXXX XXXX company gave them to validate the account is mine stating I owe {$1900.00}. As of today XX/XX/2019, I have not received that information.

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