vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I believe that my rights under the ECOA have been violated by Synchrony Bank. The bank put a freeze on my account because of their own negligence. The bank lost information that was required in opening of an account that I have had since XXXX. The information in question was my date of birth, which would have needed when the account was opened. 

The following is what transpired, although I 'm not exactly sure of the dates. Between XXXX XXXX and the XXXX, I attempted to register to use Synchrony Bank 's online application. After several failed attempts, I called the bank 's customer service number, explained my dilemma, and the agent looked at the account, and noted that my date of birth was missing. He commented on the fact that the account had been open since XXXX and then asked me to hold. He apparently went to speak with a supervisor, who informed him, to inform me that I would need to fax in a government ID reflecting my DOB. This seemed highly unreasonable to me given that the account was XXXX XXXX XXXX. Synchrony Bank lost the information and it seemed to me that this was simply an attempt to inconvenience me, as opposed to simply accepting the information over the phone. Again, the information was provided when the account was opened, as they would have needed to know that I was of legal age to enter into a contract. Unfortunately, irritation got the best me and I remarked " F @ # k You, '' and hung up. 

Fast forward to XXXX XXXX, I placed an order with XXXX XXXX for {$51.00}. I subsequently got notification from XXXX that the purchase on the card had been declined. As of today XXXX XXXX XXXX ) I have not received an Adverse Action Notice from the bank, nor have I received any correspondence from them informing me of the adverse action that was being taken against my account. 

It appears that this is a game on the part of the bank to force compliance on my part. However, the date of birth was provided when the account was opened, and they lost the information. Therefore, I see no reason to require me to expend an extra effort to get them information which they had, and lost. 

Thank you, 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 non-monetary relief
Consumer complaint received 2017-11-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX has n't answered my certified by mail and notarized by my attorney about SECTION 609 and 625 of FRCA? They will not show me what was bought or where cash advances were made because I was in a XXXX XXXX XXXX in Another State that would n't let us of campus for the time they aid I used card. It hs ben charged of and used of there taxes bt wont do this legally by sending me the information I asked for 30 days ago. The FRCA says if I did these steps and ca n't proven writing I signed up for card or where and when and how I mused it into 30 AYS UNDER SECTION 609 AND 625 THEY HV TO REMOVE IT FROM CREDIT REPRORTS. I have AL INFPORMTION O0 REGRATOION OF MILSENT AND NPRTERIZED LETERS BUT THEY STIL WONT Release me from this on credit report. They are breaking the law and it has ben 30 days and starting on 60 days of legal FCRA issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTH BAY ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
South Bay Acceptance Corp. kept collecting money from my credit card after I have cancelled the policy in 2016. 
I stopped making payments, nevertheless, SBA continue to take money without my consent or permission. 
I demand the last 6 mos. of payment back. 
The purpose of the insurance policy was to take a State of GA Contractors License test. 
I have failed the test, thus, i cancelled the policy as there was no other purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
THIS LETTERS COMMING FROM XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX CASE # XXXX AND CASE # XXXX XXXX MAJOR PROBLEM IS NO ONE SIGNED NONE OF THIS LETTERS OR EVEN PUT A NAME ON THEM AT ALL. 


OTHER CONCLUSIONS OF THE LIES AND FRAUD ON THE PART OF XXXX XXXX PERSONEL. THESE ARE RESPONSES FROM BANK LETTER RECEIVED ON XXXX THAT THE CLAIM WAS RE-EVALUTED PER MY REQUEST AND THE DECISION WAS MADE AND APPROVED THE CLAIM. HOWEVER THEY DID NOT APPROVED THE ( 3 ) WITHDRAWLS THAT WERE NOT MINE {$600.00} ON XXXX/XXXX/XXXX AND {$2100.00} ON XXXX/XXXX/XXXX AND {$1.00} ON SAME DAY OF XXXX/XXXX/XXXX THEY THEN SENT A LETTER RESPONSE XXXX/XXXX/XXXX STATING THE ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX AND WAS CLOSED BY THE BANK. NOW THEY ALSO STATE THAT THOSE WITHDRAWLS WERE MADE AT THE BANK AND THAT THE DRIVERS LICENSE WAS USED AS WELL AS A DEBIT CARD ENDING ON XXXX. 
1- I NEVER WHENT TO THE BANK AND DID THOSE WITHDRAWLS.

2- I NEVER HAD A XXXX DEBIT CARD. 
3- I NEVER USED MY DRIVERS LICENSE AS VERIFICATION OF ANY TYPE. 
4- HERE IS MY BEST ONE- I ALWAYS ONLY USE U.S. DEPARTMENT OF HOMELAND SECURITY IDS ( 2 ) HAVE MY PICTURES AND ID NUMBERS AND SIGNATURES BY THE COMMISIONER AND ME AS WELL AS APPROPIATE STAMPS 5- I WAS A XXXX XXXX FOR 28 YEARS.

6- WHAT HAD TAKEN PLACE WAS APPROPIATELY DONE BY ME WITHIN THE APPROPIATE TIME WHEN ALL THIS WAS FOUND OUT AND THE BANK WAS CONTACTED MULTIPLE TIMES.

7- THIS CLAIM WAS NEVER CLOSED BY XXXX XXXX AND ONE OF TH EMAIN REASONS IS THEY NEVER GAVE ME MY MONEY BACK TAKEN OUT OF MY ACCOUNT AND THE BANK NEVER TOOK A LOSS OF {$1800.00} AS YOU STATED ON THE LETTER DATED XXXX/XXXX/XXXX SINCE YOU WERE NEVER TO DEBIT THE ACCOUNT AND YOU CLOSED THE ACCOUNT BUT THIS IS REDICULOS THIS AMOUNT OF MONEY WAS TAKEN OUT OF MY ACCOUNT PERIOD THE BANK NEVER LOSS ANYTHING..

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 2017-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MA

Complaint narrative:
On XX/XX/XXXX XXXX added {$5600.00} to my bill as a capitalized interest charge. On XX/XX/XXXX another {$500.00} was added for capitalized interest. I received no notification when these charges were added to my bill and only discovered them both in XX/XX/XXXX. I reviewed the reasons why capital interest may be charged and realized that none of them applied to me. I called to ask why I was charged a total of {$6100.00} and was told that it was because they did not receive my repayment plan recertification in time. I told them that I did recertify on time and even got correspondence from them telling me that they received my recertification form within the time frame allotted. I was then told that my initial request was incomplete because their link to the IRS was down ; this prevented them from reviewing my income verification. I am not at fault for a link being down. I should not be charged over {$6000.00} dollars for their technical difficulty. 
Every time I call I get misinformation. On XX/XX/XXXX I asked XXXX ( employee ID # XXXX ) to dispute the charge. I have not received any information from that request. 

On a separate issue, I qualify for PSLF as a XXXX XXXX employee and have been submitting requests for over a year to have my qualifying payments updated. I have never received feedback from any of the requests. Every time I call about this I am told that they will submit a new request and to wait 30 to 90 days to receive feedback. I am repeatedly told that delay must be because XXXX is still waiting for information from my previous lender, XXXX, to add my qualifying payments. I have been working as a civil service employee for 6 years. 

The misinformation is a HUGE issue. Please train call center staff to simply respond " I do n't know, let me find out for you/transfer you to someone who can give you that information '' rather than just making something up. 
For example, I was recently told, when asking for a breakdown of 1 of 2 consolidated loans I have with them, that the loan was not the consolidated loan that I thought it was, and that it had only recently been disbursed to the school I am currently attending. Fortunately, I have experienced a plethora of misinformation from XXXX representatives so I knew to ask to be transferred to a supervisor instead panicking and calling my school to find out where this large sum of money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited a paycheck for the amount of {$1500.00} via mobila deposit on Friday, XX/XX/XXXX. This deposit was placed on a partial hold without any notification to me until I called them on Friday, XX/XX/XXXX. I was informed of the partial hold during that phone call to a local Chase branch since there is no national not-automated customer support, and was told this was a temporary hold, {$200.00} of the deposit was made available, and the hold will be released on XX/XX/XXXX at the latest. It is my understanding that Chase is required to inform me when a hold has been put in place on a deposited item, and I received no such communication and the amount is well below the usual hold threshold of {$10000.00}. No reason was given for the partial hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 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
State: KY

Complaint narrative:
On XX/XX/XXXX I bought a netSpend card at XXXX for {$2.00} and loaded {$55.00} on it. I wanted to do some online buying. When I tried to register it they wanted copies of my ID, Social Security card, pay check stub, or other government paperwork with my address. Reluctantly I sent them my ID ( invalid-out of date ), my SSC ( accepted ), and a SNAP review ( invalid-over 30 days old ), four months of rent reciepts ( rejected ). Later I sent them my XXXX XXXX ID ( rejected ) and a XXXX letter dated XX/XX/XXXX ( also rejected ). This is all the paperwork that I have. I am an XXXX XXXX XXXX that works part time. I get paid cash, there are no check stubs. It took months to save that money for some holiday spending. They say that this prevents money laundering. That would make sense if it were {$5500.00}, but not {$55.00}. netSpend has hijacked my money. Ther should be regulations as to the amounts that this criteria can apply. On the outer package it says they will need your name and address, your date of birth, and your SSN. It does n't say anything about copies of all this and other stuff. Thats got to be false advertising. I called for a refund today, they said it would take 10 business days.

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 2017-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: PA

Complaint narrative:
a six year old check ( XX/XX/XXXX ), was deposited in a XXXX XXXX XXXX in Florida, XX/XX/XXXX and taken out of our BB & T bank, XXXX, Pa. without our authorization. 
We have a Fraud case NO. XXXX with BB & T. We have tried to find out what is happening ( as we froze this checking Acct. ) and have no answers from anyone. 
XXXX XXXX from BB & T ( XXXX, pa ). is handling our Case. XXXX. We were in this XXXX XXXX office XX/XX/XXXX and could n't see her. She called us the next day saying she was going on vacation and XXXX would find something out and call us this past week To this day no response. A relative in Florida lost this check and we feel we voided it as it was XXXX XXXX XXXX in XX/XX/XXXX, and replaced the check. We are long time customers at the XXXX, Pa. Bank. We appreciate whatever you could to help us. 
Thank You 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 2017-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I used an ATM at the XXXX XXXX in XXXX, Nv, on XX/XX/2017 to withdraw funds from my account at Wells Fargo bank. I obtained the funds, but the next day discovered that I had been charged a " Balance Inquiry '' fee of {$2.00}. This was above the expected fees of {$2.00} from Wells Fargo for using a NON-WF ATM and the fee of {$2.00} from the casino for the money distribution. 

I believe that this additional fee is unwarranted, and just an attempt from Wells Fargo to get additional funds from its customers. I knew I had the funds in the account and did not want an " inquiry '', I just wanted my money.

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 2017-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A person owns me some money and she paid me with a check, I deposit that check in my Bank of America saving account but the check bounced ... In XX/XX/XXXX Bank of America decid to close my saving account and they do not refund my balance of {$2000.00} Back in XX/XX/XXXXI was fraud victim and I think they are relating and retaliate agains me because of the bounced check ... it is unfair, I been customer for more than 11 years and I never have problem and I done nothing wrong ... They ban me for 5 years from their institution and they make feel like criminal.

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 2017-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have had several conversations with collector calls from the company & XXXX XXXX with no results. I never opened, owned, used or made payment on this account. IT IS NOT MY DEBT! According to credit reports, apparently opened on XX/XX/XXXX for XXXX XXXX. Alleged debt sent to XXXX XXXX for collections on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2017 Wells Fargo honored & allowed a debit card transaction of {$270.00} when i only had {$93.00} available in my account, putting the account in a {$180.00} negative. I contacted customer service as soon as i was alerted, a stop payment was placed on the still pending transaction and i was informed that " the payment will fall off and reverse and my balance will be restored by the afternoon or by the end of the business day '' ... which never happened! 
I asked why was the transaction honored instead of declined and why was n't i notified, Wells Fargo response was : " we decided to honor the payment as a favor because we feel that you are a good customer. '' I called Wells Fargo back numerous times, spoke with 2 more customer service reps, a supervisor, and the debit/credit claims department, who all claimed that there 's nothing that they can do for me. Completely disregarding what i was originally told & overlooking the stop payment that was placed by the first representative. 
Wells Fargo are looking to make a {$35.00} profit from the overdraft fee, for honoring a transaction that i did not have enough funds to cover, that they personally made the decision to pay and i did not ask them to do!

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 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : Transunion. '' It gave three options for contacting Transunion, including " On the web : Visit www.transunion.com ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. Transunion billed me {$21.00}. I called Transunion customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on Transunion.com, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to www.transunion.com. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from Transunion was rude and unhelpful. The XXXX for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and Transunion 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or  both companies. Please assist, CFPB.

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 2017-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information  was reported incorrectly on my credit report and is affecting my score.

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 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : XXXX. '' It gave three options for contacting XXXX, including " On the web : XXXX XXXX ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. XXXX billed me {$21.00}. I called XXXX customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on XXXX, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to XXXX. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from XXXX was rude and unhelpful. The CSR for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and XXXX 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or both companies. Please assist, CFPB.

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 2017-11-26 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: AZ

Complaint narrative:
I am a victim of identity theft and the recent XXXX data breach. Theres 3 credit card accounts on my XXXX and Experian credit report that are fraudulent, unauthorized, dont belong to me, and the result of the XXXX data breach. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$13.00}, XXXX, XXXX XXXX, {$12000.00} and XXXX XXXX {$3.00}, these accounts are all fraudulent. I have contacted my 2 U.S. Senators from Arizona, XXXX XXXX XXXX XXXX XXXX in regards to the above accounts on my credit report. XXXX XXXX and XXXX promised me they would look into this matter and seek a resolution for my complaint and issue. I have sent numerous complaints to Experian and XXXX about the above accounts being fraudulent, unauthorized and on my credit report due fraud and the XXXX data breach as well.

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