vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: FL

Complaint narrative:
I have an old checking account that I no longer use with First National Bank. I received a notice in the mail on XX/XX/22 saying it was overdrawn by {$25.00}. The last time I used this account was when I made a small deposit of {$45.00} on XX/XX/22. I had not received any notices regarding it's status of overdrafts. 
When I went on line on XX/XX/22 to resolve the issue and close the account, I saw it was overdrawn by {$61.00}. All due to fees. Nothing was due to any expenditures I had made. The last actual expenditure I made from this account was on XX/XX/22 for {$9.00} On top of the monthly {$6.00} maintenance fee, which I can understand, I was being charged {$12.00} every THREE business days beginning XX/XX/22 when the account when in the negative due to the fees being assessed. Of course with each fee assessed, it went further into the negative. I received no email or other text notification of this issue. Again, the first notification I received, was by mail on XX/XX/22. Upon speaking to a few representatives of First National Bank, they saw nothing wrong with this at all. Even though the state of this account was not of my doing. They would not let me close the account until the balance is XXXX. I want them to reverse the fees. They need to " research '' their ability to do so. Meanwhile, fees will continue to accrue. 
When I called to get this resolved, I wanted the fees reversed since it was not due to anything I had done, they said I agreed to this fee structure when I opened the account. However, First National Bank purchased XXXX XXXXXXXX XXXX, where I originally opened the account and my account was simply transferred. So I never actually agreed to these conditions, at least not that I recall. 
I am not overly concerned for myself, I can absorb this. For me it's the principle and the absolute greed that irks me. What concerns me is the excessive and exploitative nature of these fees, hitting the folks least able to handle them, in most cases. It is practices such as these that keep poor people poor. As an old friend of mine and I used to joke, " It cost a lot to be poor ''. Back in the day we were. Exploitative practices such as these keep that statement true and they need to stop. 
I would love to see First National Bank held accountable for these unnecessary practices. Such practices should not be legal and they need to stop. 

I have attached a screenshot of the fees assessed that caused the overdraft charges. 
There is also a screen shot of my alert file, showing no alerts were sent to me regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : 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 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a paycheck on Tuesday XX/XX/XXXX, at my local Chase ATM like I normally do every time I get paid for over the past year. The deposit normally goes through fine and I dont have to wait any period of time to access my funds. This time however, Chase has placed a random hold on the deposit for 9 day hold on the deposit. I have called my boss and he has verified the check is good on his banks side. I have also called Chase and they just told me its a random hold and all I can do is wait until the XXXX, but even then they said theres a chance they can hold it even longer. Meanwhile my account has a negative balance and is racking up charges due to insufficient funds and theres nothing I can do. I cant feed my children, wife or pets with no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hi Im filing a complaint with td bank I received two overdraft fees labeled something else on same day the account went negative even though brought process I advised them this is only bank that does this and what gets me is it isnt even labeled as overdraft when I look I was told this I also made another transfer instant transfer always been instant in my account unless account is negative its almost like their playing the cards to charge you these fees I spoke with rep after rep with no success on even listening to what the guidelines and procedures for overdraft is I was only told oh thats how it will be next month I would like this looked into cause I feel they are doing some shady business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB MANAGEMENT SERVI Last reported XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX  Account status Open Type -- Responsibility Individual Remarks Account paid for less than full balance Paid collection Account previously in dispute - Now resolved by data furnisher Original creditor name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened a capital one savor card and they had an initial promotion of XXXX  month 0 % interests for all purchases. One their monthly statements under the fees and interest sections, it states the interest amount and shows the monthly balance. On my monthly statement, it showed my monthly carryover balance and the associated 0 % interest, however what it did not show was the time period in which the promotion interest will be ending. On all my other credit cards for other institutions XXXX XXXX XXXX XXXX XXXX XXXX  ) whenever there are promotion interest rates it will always state the time when the rates expire, very clearly on each monthly statement. For Capital One, they chose to be shady and secretive. When I questioned Capital One rep and their manager, it was stated that it was not secretive but it was stated in the original terms and conditions of the credit card when I originally received it 15 months ago. They said I should have read all the terms and conditions and expected to remember all the details. Then I ask if I could access my terms and conditions document online and download it online and the rep manager stated no. That it has to be sent by mail. I informed them this practice is quite predatory. Their marketing all states the 15 month 0 % interest but then they do not remind the consumer when exactly their 15 months is ending. Because I did not ever see an expiry date or notice that my promotional rate was expire, I assumed it would continue until notified. Capital One made no effort and hopes the customer will forget and likely will since the one place and time Capital One states it is in their terms and conditions during the original receipt of the credit card. Completely shady business practice. COMPLETELY!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 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: KS

Complaint narrative:
Experian is reporting several different variations of my name an a name that is not mine. This opens me up to identity theft and fraud. They only should be reporting my legal name. which has be provided to them be me several times in the form of picture ID such as a copy of my driver license. 

They are legally obligated to report accurate 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 non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Called on XX/XX/XXXX to report fraudulent transactions from XX/XX/2022 on credit card. 

Multiple charges for airline tickets, rent, XXXX XXXX totaling around {$4500.00}. Was told the charges would be removed and an investigator would contact me via email or letter. 

I have received no communication since that call. The charges are still there and accruing interest on my card which TD Bank is charging me late fees for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I completed a ATM transaction at the TD bank in XXXX XXXX XXXX XXXX XXXX of XXXX dollars and the ATM malfunctioned after the funds had been collected by the ATM but my account has not been accredited for this transaction and my recurring weekly payments cant be paid because of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I received a decline notice for a XXXX XXXX XXXX ( XXXX XXXX XXXX ) issued through Barclay 's Bank. I never applied for a credit card with Barclay 's Bank and they would provide no information about the source of the application or how it was received or why they had my correct home address to send the decline.

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Hello, during the months of XXXX XXXX XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before deploying I asked for SCRA benefits at all various credit card companies I had. Comenity at the time did not have an auto pay option at all in their portals for the XXXX XXXX or XXXX XXXX store credit cards. I told Comenity that during my XXXX I could go for awhile without access to Wifi or a computer meaning there was a chance I could miss a payment leading to a late payment. I had 2 late payments and those have negatively affected my credit score. I have tried calling Comenity to explain them about the situation again alongside filing a dispute with one of the 3 credit companies only for no fix to my credit being issued. I do not want something outside of my control to negatively hamper my credit score and remain on for 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-22 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: GA

Complaint narrative:
I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX  XXXX XXXX, a collection account from XXXX XXXX ( original creditor is XXXX and a medical collection from AMERICOLLECT ( original creditor is XXXX  XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
I was approved for the Nebraska Homeowners Assistance Fund ( NHAF ) in XXXX of 2022, and US Bank was notified of this via NHAF the same month. US bank ignored this and proceeded with foreclosing on my home in XXXX of 2022. I received letters from a law firm saying my home was in default and would be auctioned off. I called NHAF and they again confirmed my eligibility and sent US Bank another notification in mid-XXXX  of 2022. In XXXX of 2022, I called a HUD-approved counselor who completed a three-way call with me to US Bank. US Bank stated the only way they could stop the foreclosure was for me to apply for a Standalone partial claim, which I did. I spoke with another HUD-approved counselor on the phone after that and was told that I would have to come up with the additional money beyond the {$30000.00} I owed, and NHAF would pay the rest. I stated I had the money and was waiting for the NHAF program to pay the first {$30000.00}. On XXXX NHAF paid the {$30000.00} to US Bank, which I didnt know about until I received notification from NHAF in XXXX. I was not sure when I was supposed to send my share in, because every time I tried to send US Bank money they returned it saying I had to pay everything I owed. I was not notified about any of this until I received a Bank Statement on XX/XX/2022 showing NHAF sent in the {$30000.00} on XX/XX/2022 but US bank didn't distribute the {$30000.00} from XXXX until XX/XX/2022 to my past mortgage payments. The Bank Statement shows that on XX/XX/2022, US Bank returned the {$30000.00} to NHAF and applied a partial claim to my account for {$32000.00}, which is now a separate loan on my account. I called the bank and asked them why they returned the NHAF payment and they said it was because I couldnt have a HAF grant and a partial claim at the same time. I told them I didnt want the partial claim, but they said I had to take it because it was already done. 

I dont know who this program is supposed to help because anyone who applies for any type of modification also includes a partial claim, so how is anyone going to get the HAF grant? I did everything I was supposed to, and followed what the HUD-approved counselor told me to do, and yet I still didnt get any help. I now owe more on my home than I did eight years ago when I bought it. 

I would like to appeal this because this was not handled correctly. I was approved, and US bank was notified of my NHAF eligibility before the partial claim was applied for, and the NHAF grant was received before the partial claim started, so this should not be happening. Can you please help me, I am at a complete loss as this is not fair, I did everything I was supposed to, yet I still didnt receive any help.

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 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, someone tried to hack my Venmo account. I immediately received a call from Venmo and they blocked the transaction. While I was grateful for that, on XX/XX/XXXX ( I had already initiated a transfer from my bank to my Venmo account ) I tried to access my Venmo account to send money to a friend and I learned my account was frozen. I have spoken and chatted with representatives every day, sometimes multiple times a day. At first, I was told it would take 5-7 business days for their account specialists to do their due diligence and confirm my identity. I have NEVER heard from an account specialist in the 13 days since. Yesterday, I chatted with yet another representative and was told it would take three weeks!!! 
I am XXXX and I am also my XXXX XXXX XXXX mothers sole, full time caregiver. We have no family or friends to turn to for financial assistance. We have no money and need access to that money in my Venmo account! Without access to that money I can not purchase groceries and, most importantly, I can not purchase her insulin. She has already been 3 days without her insulin, her blood sugar is over 350 and she is in imminent danger of XXXX XXXX!! If I do not have access to that account almost immediately, I will have to call 911 and have her hospitalized for treatment, which is ridiculous and we will incur the costs of such hospitalization! 
I need someone, someway to get through to Venmo for me! I am filing complaints every place I can and I am also contacting an attorney who deals with Venmo cases. 
Venmo is essentially holding my {$700.00} XXXX, through NO fault of my own, and thereby putting my XXXX XXXX XXXX mothers life at risk!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
I have and account thats not mines on my credit report XXXX XXXX XXXX thats not mines but the credit bureau Transunion refuses to remove it even after notes from creditors stating they have no acknowledgement of this 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 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This credit card was written off because CaptialOne listed me as deceased. I am very well, I'm not dead. The this is why this negative remark on my credit report ( all three credit Bureaus ) is fraudulent. I want it removed from my report as it has affected my credit score. I've already filed the report with the credit bureaus and they are choosing to side with CaptialOne. I've also filed this complaint with CapitalOne and they have admitted that it is there fault and are working to have it removed. The information is below. 


Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$390.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$500.00} Highest balance {$550.00} Terms NA Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation