vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
They have a transaction processing system that is generated to charge me, the customer, a fee when there is no reason to do so said Bank does not allow the customer any time period - however minor as it can or should be, to monitor or even correct their account 's ever changing balance is it because they want to charge fee s. Said Ba nk sent me an email at  XXXX  in the morning charged my and over draft fee and my deposit came  in 2 ho urs later prior to that - I had enough money in my account. I have also complained that they are still sending me financial statements to my house after I have told the for over 6 months and change preferences to reflect that. I am appalled that after speaking to a m oney manager  that she could not or would not offer any solutions.pnc I just spent time away from job to waste time speaking to someone who had nothing to offer me. I do not trust this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: RevCrest, Inc.
State: CA

Complaint narrative:
XXXX  from  REVCREST Inc e xplained to me that i could not lower my payments as the young lady before told me that after  XXXX  garnishments  ( whic h are creating a big hardship as it is  XXXX  put of my check a month and my bills are behind due to this ) I could lower my payment, she then asked for a financial statement over the phone,. I gave her the information and now i am being told different, that i would have to continue the garnishment and i would have to make payments as well.       is this legal? if so I will be homeless soon!     every time i ask for a hearing which is my RIGHT, I have been denied ... IT IS MY RIGHT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
This account was reported on my credit report. It was previously with another collection agency and when i t was with first agency, I updated my mailing address and made a payment. It then transferred to Online Information Services. I never received notice of the debt and my right to dispute via mail from Online Services. I was only alerted to it being moved to another agency by checking my credit report. I contacted Online Services  on  XX/XX/2017    and spoke to  XXXX   ( refused to provide last name ) to clari fy what address they had on file and they stated they had a previous address ( in which I no longer reside ). When I asked for deletion from my credit report ( after I made the payment ) based on the fact that an initial notice had not been sent to my current mailing address, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
There are people fro m e z mo ney loan which no longer exists calling me and threatening to have me arrested for fraud and that my probation will be revoked. I called  e z lo an and was told th at e z mon ey loan no longer exists. It went bankrupt and all loans that were through them were written off and I no longer owe them. The people calling me and threatening me are the frauds. They said I had to pay {$390.00} by  XXXX  today  XXXX   XXXX ,  2017 o r a warrant would be issued to arrest me for check fraud. The people calling me is saying they work for Texas. Their names are  XXXX   XXXX  and  XXXX   XXXX  at  XXXX  extension  XXXX . And a  XXXX  that says she works f or e z money loan Corp a t  XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted an international transfer of funds in the amount of {$96000.00}  XXXX  received b y Wells Fargo  on  XXXX   XXXX ,    2017. The  market exchange rate that day was  XXXX , which would have resulted in a conversion to {$12000.00}. I expected somewhere near the amount of  XXXX  afte r the exchange.      Instead , Wells Fargo  performed the conversion with its own rate of  XXXX . The amount I received at the end was {$11000.00}, which is about about a {$450.00} loss due t o Wells Fargo 's pre ferential rate.      Wells Fargo  abuses a preferential exchange rate and applies predatory practices. It charged me an unexpected and hidden exchange fee of 4 %. Furthermore, the information available o n Wells Fargo 's   website abou t the exchange rate f or that day by the bank is misleading and is not the amount the bank charged me. (   XXXX   XXXX  ,  a Wells Fargo operated  forex service. ) Furthermore, information on w hat Wells Fargo i s charging is not available online -- I was told I should 've called the bank prior to making the transaction.     Other consumers should be aware and never us e Wells Fargo 's fo reign exchange service.

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 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted a dispute in  XXXX     2016 about  the judgement on my credit report for {$1100.00}. I submitted this request to Equifax. I have recently disputed this on my credit report once again to no avail. The judgement was against my husband and my name was on the lease as well. The debt was discharged in bankruptcy. Therefore we no longer owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I have dont everything I know possible to get this account taken off my credit . Mariner Finance  told me that once I submitted a police report, it would be taken off. That was done in  XXXX  of  XXXX . It is now  XXXX   XXXX ,  XXXX  and it is still on my credit. The branch  manager of Mariner Finance -   XXXX  - knows the account is not mine and has physically spoken to the account owner. I can provide bank statements that show I never cashed this check or even knew about it until  XXXX  of  XXXX . And since then, I 've been trying to get it taken care of. Wha t Mariner Finance is doing is illegal. My credit score ha s gone down SIGNIFICANTLY due to the amount of the loan and the delinquent/late payments.  XXXX  said the fraud investigation would take 30 days, then she said 60 days ... well now it 's been well over 60 days and still no response. By recognizing and acknowledging that account is n't mine, what they are doing is illegal. They can not keep someone else 's account on my credit. The check should have never been processed in the first place when my sisgnature and my phone number and my bank account were n't the ones used! Who does that?? Who allows another person to take out a loan that 's not written to them. If my name was on the check, should n't the loa n officer have b een alarmed when another person ( not me ) was making the payments?!?!

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 2017-05-24 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:
Applied for  XXXX  credit cards in  XXXX  of  2016 a t the same time.  The Sapphire and the Freedom . The application process and disclosures on t he Sapphire led me t o believe th at the Sapphire had  an 0 % introductory rate. The most noticeable difference between the  XXXX  cards was  XXXX  was used for travel and had a hefty annual fee and the freedom did not. By comparison th e Sapphire was the better card ( especially when I believed the intro rate was also on the sapphire ) so this was the card I  chose to be my everyday card. The plan was to use the card and made multiple payments per month to keep the balance down and especially since there 's an introductory rate. I unfortunately only found out recently, after noticing all the payments ive been making is not catching up to the balance. This led me to take a closer look at my statement and in shock, discovered I 'd been charged interest every month since  XXXX     2016. W hen I called  Chase, they explained the Sapphire has never had an intro rate promotion ( despite offering the card closely with other Chase credit card products with introductory rates ). When I asked if they could help with the interest I 've been charged, they simply reiterated that the Sapphire card has never had a promotional rate and there 's nothing they could do.   I feel so violated and misled thinking I 'm using my credit card well and now I have this mounting interest charge I was never clear about from the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
I do not have any contract with this company. I have never received any notification regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Information presented to me about my credit score by  XXXX   XXXX  Sales Consultant,  XXXX   XXXX ,  XXXX   XXXX   MD.    Indicated my score was  XXXX . He said, '' It is almost  XXXX  that is pretty good. I accepted that the information was correct.   I subsequently pulled my credit report from all  XXXX  reporting agencies. All scores were above  XXXX ,  XXXX  was  XXXX .   I called to complain to  XXXX   XXXX   XXXX  about the disparity in the reporting to me about my score and credit rating. They insisted that the score they got was from Equifax. My score on the report I received from Equifax was  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
CPFB did not address multiple complaint issues against Barclay Bank : 1 ) Barclays assessed my   account as a default risk with no credit history to suggest this a a p ossibility 2 ) Barclays su bmitted excessive hard inquiries to credit bureaus in an attempt to harm my credit and refused to correct th ese 3   ) Barclays fo rced me to close all my accounts to avoid catastrophic harm to my credit report as well to others in credit card forums on the internet.    XXXX   card, the Black Card, i had to pay an annual fee of {$490.00} and because Barclay actions forced me to close it, Barclays h as been unwilling to return a pro-rated fee of {$250.00} to me as i can longer use the features and benefits of the card due to no fault of my own.    4 ) Although all  XXXX  cards were closed simultaneously, Barclays took its time reporting the Black card closed 5 ) Barclays issued predatory documentation AFTER i requested the accounts closed to substantiate its actions -- again of which have proven incorrect in Barclay assumptions.      I have contacted the Banking oversight committees due to the very malicious wa y Barclays is treating its American customers as well as the lack of proper review and addressing issues by CPFB itself .

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 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Had a horrible experience wit h Citibank an d having been trying to resolve since  XXXX     2016. Spo use opened a credit card in my name and bank did not get routing number correct for auto payment. Which turned in to two months  of non payment. Recieved a phone call finally in  XXXX  of past due amount and upon confirming I do indeed have account with them paid it immediately and was advised no negative action would be taken if paid in full that day. I was lied to and they ended up sending it to my credit report which negatively impacted m y credit score goi ng from  XXXX  down to  XXXX . Numb er one the y never confirmed I am th e one opening said such account and number two state d they would not report this do to a clerical error. They refuse to remove the negative comment and state they sent emails of past due amount. I admit there is email after going back to history but since I never opened the account fiqured it was fraud and someone trying to get my personal information. Please look into this as I am sure I am not the only one they are doing this to.

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 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Received a call at  XXXX   XXXX  CT from  XXXX , a representative  of Portfolio Recovery  (  XXXX  ). I asked that the company not call me which was greeted with an ended phone call. I immediately called back (  XXXX  ), and when I asked again to be removed the representative demanded that I give my first and last name when I call back and then hung up.     I do not want them contacting me over the phone. Any and all business they have can be done through the USPS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 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: NJ

Complaint narrative:
There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   XXXX  I was never late on these accounts and should not have any late paymetns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
IQ Data c ontacted me regarding a debt my ex was responsible for. I informed them I was not responsible and that I would have him contact them. A few days later I was contacted and informed that he had set up a payment arrangement and they were calling to see what I could do. I again told them I was not responsible for the charge and that I was preparing for a military  XXXX  and to contact him. Once again they called and this time he told me to consider a settlement to prevent them from placing this item on my credit report. I asked them did my ex make an arrangement and any payments and the gentleman said yes to both that my ex made an {$850.00} payment and set up arrangements of {$330.00} to cover the remaining balance until the debt was paid. He then stated that he was offering me a deal to save money to prevent them from ruining my credit by placing it. I told him the debt was n't mine and if my ex was actively paying them why was he threatening me with a settlement of {$1500.00}. I told him to please continue working with my ex and leave me out of it. They then placed this item on my credit report. My ex contacted them and again they told him they would do a deletion for a complete payment and he stated he was n't in the position to pay that amount and the supervisor then told him " I 'm taking you off of the payment plan since you wo n't do the settlement. '' This company is horrible! They are bullying individuals with the threat of reporting items and them forcing settlements in order to delete them. This is not my debt, this item was placed on my report specifically for the refusal of my ex to pay a lump sum. Although he already paid them {$850.00} to set up the payment plan, after refusing the settlement they removed him off the payment plan and then proceeded to take the {$330.00} anyway.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STATE FARM BANK, FSB
State: MD

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX XXXX ( XXXX, Fl. ) {$7000.00} for a Patent Application for my invention. I found out in XX/XX/XXXX ( 1 month after they were charged ) that XXXX has been closed down and assets frozen because of " Fraud '' ( by the FTC & FBI ). They were supposed to market my invention for patent and have everything completed in 300 days from the initial transaction and they did not do this, failed entirely. {$7000.00} was paid to XXXX on my State Farm XXXX Credit Card and the remaining {$17000.00} was paid through my checking account via XXXX XXXX XXXX XXXX ( total : {$24000.00} ). I first contacted State Farm XXXX in an attempt to get my {$7000.00} refunded on XX/XX/XXXX. This was less than 60 days after I found out about XXXX being charged with fraud. State Farm Bank will not honor my protest yet I belong to a XXXX Website titled : XXXX XXXX XXXX Class Action Lawsuit and many members of this site ( who were also scammed by XXXX & CEO XXXX XXXX ) have already received refunds from their credit card companies, including XXXX card holders. All information about XXXX can be confirmed online by just XXXX  " XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
In  XXXX   XXXX  I received a letter fr om Afni Collections , Inc. regar ding a debt with  XXXX  as the creditor and the balance as {$4500.00}. I mailed a certified letter of dispute stating I do not owe this debt and requesting they verify the debt as required by FDCPA. Within 30 days I received what appeared the exact same lett er ( s ). I then followed that with another certified letter of dispute but stated they must validate the debt and to asked for the following : 1. Agr eement with your client that authorizes you to collect on this alleged debt.    2.  Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.    3. C omplete payment history on this account, to prove that the amount you wish to collect is accurate.     Within 30 days of my second letter I received another letter fr om Afni but all  they included of the requested items above was a bill. The bill reflects a bill period of  XXXX   XXXX  -  XXXX   XXXX   XXXX  and the same name as mine with an address in New York ... the bill shows the following devices :  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   With that said, I have never lived in New York nor have I ever set foot there and have been a Florida resident 100 % since birth. I have never owned/purchased/leased any of the above items and I have not had an account with  XXXX  for near ly 10yrs if no t greater. I believe this to be a result of identity theft. When filing my  XXXX  taxes in early  XXXX  I became aware of a fraudulent attempt of a filing in my name. Fortunately that filing was flagged and held and with me being an early filer it was never processed. There was no compromise to my knowledge and the IRS handled it well and assigned me a PIN, etc. My  XXXX  filing earlier this year was smooth and successful and my credit shows now compromise as well and it certainly does n't show any  XXXX  account or reflect such neglected behavior which I stated  to Afni in  my last letter to them. This is not my debt and  Afni nee ds to cease their actions towards me.     Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   )  I was never late on these accounts and should not have any late paymetns.

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