vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Lowes CC and closed it years ago. At the time, as well as currently, I had opted for AutoPay, with a minimum monthly due to be automatically paid on the XXXX of each month. There has been no problem with my Autopay until XX/XX/2020. On XX/XX/XXXX, I logged in to my account and made an ADDITIONAL payment of XXXX, as I have scheduled ( for myself ) a series of additional payments every two weeks ( when I get Paid ) and will have my card paid in full by XX/XX/2020. I then made a payment of XXXX as well, As I am careful with my accounts and payments, I then went in to the CC section, payments scheduled .... and checked to make sure my payments of XXXX, XXXX AND my auto pay of XXXX were all accounted for. They were. On XX/XX/XXXX, however, it seems my autopay DID NOT pull my XXXX minimum. Although my XXXX did go through and my XXXX. My XXXX was then reinstated into my checking, making the CC look like I had made a payment less than my minimum payment due. I received a text from the CC stating that I owe XXXX in minimum and late fees. I called to dispute this charge. I noticed that Lowes CC DID NOT PULL MY AUTOPAY! I spoke with XXXX at Customer Service and she informed me that she would put through a complaint to look into the issue ( # XXXX ), which is fine. However, she told me that it would take 30 days to get an answer and that in the meantime, my next payment would be due and if I don't pay the XXXX before then, I would be assessed ADDITIONAL late fees as well as a collection notice! This information would be turned over to the credit bureaus. MY PROBLEM IS THIS! Do consumers not have the right to, when filing a formal complaint, have the amount disputed PUT ON HOLD, and ALL LATE FEES AND CREDIT REPORTING be held until dispute is settled?

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 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I recently had fraud on a bank account, that I have had with this institution for over 6 years. After going into a branch and speaking with a senior banker, about the fraud that occurred I was told that the account will be closed and I did not have anything to worry about. The talk with the banker happened XX/XX/2020 at XXXX and I was given a brand new account number ( called a Virtual Wallet ) and debit card to accompany the account. I walked away as a satisfied consumer until yesterday, XX/XX/2020, when I woke up to my brand new bank account with a XXXX balance and frozen. So I called the customer help line ( XXXX ) at XXXX est, spoke with someone named XXXX XXXX who was only able to tell me that I need to go into a branch. Apparently, the account that had fraud associated with it has not been closed. I was not contacted on my account ( Virtual Wallet ) and funds being frozen and inaccessible, as this is a huge inconvenience for me being the head of household for my child. The bank has not tried to contact me, neither written or verbally, to explain what has happened to my new bank account that I opened. Now, I am without any funds for supporting my child in the meantime ; until I am able to get more information after work. I was misled when I left that branch with my new account and bank number ; PNC is committing legal abuse and has caused severe damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: New Direction, Inc
State: NY

Complaint narrative:
I had a credit line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XX/XX/XXXX ). New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX on XX/XX/XXXX and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.

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 2020-01-25 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: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
I had a credit line with XXXX XXXX XXXX ( XXXX XXXX XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XX/XX/XXXX ). XXXX XXXX has reached a settlement a agreement with XXXX and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX on XX/XX/XXXX and they asked for XXXX XXXX to contact Financial Recover Services at ( XXXX ). I contacted XXXX XXXX same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, Financial Recovery Services called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I was alerted to a high impact item on my credit report by XXXX XXXX. The item was listed by a Cavalry Poftfolio Services. It  claimed to be an account from XXXX XXXX  with an open balance of {$2300.00}. As there was no identifying information given about the account I disputed it. I was then simply told that XXXX had verified the debt. Well how can you verify a debt with no account number? So I went directly to XXXX and disputed their finding. Since there was no account number how could they verify the debt? I also asked for ALL of the legally required ( both federal and state of new york ) documents to prove that Cavalry Portfolio had any legal right to this alleged debt. 

Today XX/XX/2020 I received a packet from Cavalry Portfolio. Inside was a statement that they believed this account to be past the Statute of Limitation, That it was alleged to be an account with XXXX and alleged monthly statements for said account. 

What I did not receive was ANY of the requested legally required documents to prove that Cavalry Portfolio has any legal right to said debt. This would be something like a legal document known as a bill of sale along with a statement from the alleged owner of the alleged account that specifically mentions this alleged account was sold to Cavalry Portfolio.

Yet with no proof of ownership Cavalry Portfolio has managed to do direct damage to me on my credit report and XXXX has claimed this alleged debt was " verified '' by them and they allowed said damage to continue. 

No party should be able to do direct financial damage to any individual by claiming they own an account that they can apparently not prove or provide proof of ownership of as requested. 

I will include a screenshot from XXXX XXXX to show the lack of information and why I disputed this listing. Also why I would wonder how you could " verify '' it with the information provided in that listing. I did not include any of the pages that Cavalry Portfolio sent to me as none of them were what I asked for. In other words a legally recorded/witnessed Bill of Sale and the  other required documentation with direct mention of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I get at least 10 calls a day all types of hours for debt that is not mine. They refuse to stop calling. all at night all on weekend. Its a huge nuisance in my life. 
Calls are from Synchrony Bank These are some of the numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
i sent back and air to water generator to the merchant on XXXX XXXX. they signed for it and i have documentation to show that they received it but my bank refuses to credit back the money that i used on the credit card to purchase it. the item was sold to me via a 3rd party seller ( XXXX ) but the actual merchant who i sent the product back to is XXXX XXXX. 

i have not heard from the merchant since they received their item back and i wish for my bank to credit my account for the return of the defective product XXXX XXXX does not answer phone calls or emails and has horrible customer 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 2020-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I need this charge taken off of my credit history. It is affecting very bad and I cant get approved anywhere. When I did a voluntary surrender of this vehicle I was notified by the customer service rep that it wasnt going to affect my credit score. When the vehicle was auctioned off they told me that they sold it for the a higher amount that I owed on the loan so I dont know why there is still money pending. At the time I was going through a very bad hardship and I was let go from work so I had to let go of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I need this charge taken off of my credit history. It is affecting very bad and I cant get approved anywhere. When I did a voluntary surrender of this vehicle I was notified by the customer service rep that it wasnt going to affect my credit score. When the vehicle was auctioned off they told me that they sold it for the a higher amount that I owed on the loan so I dont know why there is still money pending. At the time I was going through a very bad hardship and I was let go from work so I had to let go of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Institution Information : XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Inquiry Reported on XX/XX/2019 I was getting information on a mortgage from Quicken and they said they were not going to do a hard inquiry but only a soft inquiry. They did a hard inquiry and I contacted them to get that removed and they still have not removed it. I want it removed from XXXX and XXXX credit reports, and XXXX  if it's there too, immediately. They did not have permission to do a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: CA

Complaint narrative:
I went to the dentist on XX/XX/XXXX. I was told that my treatment would be {$6000.00}. I applied for a medical loan through Lending Club ( XXXX XXXX XXXX ). I was approved for {$6000.00} at {$500.00} per month with a 0 % APR. Subsequently on XX/XX/XXXX I went back to the dentist and the amount of my treatment changed to {$7200.00}. I reapplied for an increase and was approved by Lending Club ( XXXX XXXX XXXX  ) for {$7200.00}, {$180.00} a month at 17.90 % APR. My dentist sent back the {$6000.00} to Lending Club ( XXXX XXXX XXXX  ).  Lending Club continues to send mw statements that do not reflect the new terms of my new loan of {$7200.00} with a payment of {$180.00}. I have a statement showing that they XXXX XXXX XXXX has added both loans together totaling {$12000.00} ( original purchase amount ). I have sent to them numerous times the new contract and repeatedly called them to ask for assistance in correcting and have had no success. My fear is that my credit is being destroyed for their mistake as I will not pay until corrected. Even as I submit this complaint today XX/XX/XXXX I received a collections call from XXXX @ Lending Club asking for the payment on {$12000.00}. XXXX confirmed that he sees notes about my complaint and does not know why it was not updated. I told XXXX that I had no other option but to file a CFPB complaint in hopes to get resolution. He then transferred me to Customer Service and my call was dropped. I need resolution as I am a good paying citizen and I do not wish to have my credit damaged.When they call they continue to ask for amounts over {$500.00}??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My wife and I opened a joint checking account on XX/XX/XXXX with our gift money from our recent wedding. The personal banker said that my wife was eligible for the current promotion since she was a new customer ( XXXX, Offer 1 Get a {$400.00} bonus for completing the following activities with your new checking account in the first 150 days, Offer 2 Get a {$200.00} bonus for opening a Platinum Money Market account, depositing at least $ XXX in new money and keeping it for 90 days, Offer 3 Get an additional {$100.00} bonus when you complete the requirements for Offers 1 and 2 ). 

We asked if opening a joint account would still qualify, since I was a current account holder. The banker said that she would still qualify for the promotion, so we deposited all of our savings with XXXX. He asked us if we would like to open a credit card, which would provide an additional incentive. We declined, and he light-heartedly told a coworker that he was giving us {$700.00}, and he tried to give us more ( with the credit card offer ), but we didnt want it. I believe he acted in good faith and sincerely thought that we met the eligibility requirements. 

We lived paycheck to paycheck for several months to keep enough money in the money market account, signed up to directly deposit our paychecks in the checking account, enrolled in online banking, and began paying bills online in order to meet the requirements of the promotions. After meeting the requirements for Offer # 2, we received the {$200.00} promotion. 

However, after meeting the requirements for Offer # 1 and Offer # 3, we did not receive the {$500.00} bonuses. I sent an email through the online banking system on XX/XX/XXXX requesting a status and did not receive a response. I called customer service four times, and after the fourth call, they said that my wife was not eligible for the promotion, because the account was a joint account with an existing account holder. I explained what the personal banker told us, and customer service said that we could talk with the banker at the branch, and he could override the error. When I went to the branch, the personal banker had been transferred to another branch. One of the other bankers gave me his phone number, and I left a message for him and was ignored. 

I would like your help in remedying a situation where a personal banker made a promise that the corporate headquarters is refusing to honor. Because the banker was not knowledgeable about a promotions terms is not a reason to punish a customer. This is an unethical practice and a form of deception.

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 2020-01-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
MY CARD IS DECLINED FOR EVERY PURCHASE AFTER I UPDATED MY NEW ADDRESS WITH COMENITY BANK. I HAVE CALLED THEM 4 TIMES AND WAS PLACED ON INDEFINITE HOLD WITH NO ANSWER EVER BY CUSTOMER SERVICE. I HAVE EVEN EMAILED COMENITY WITH XXXX XXXX RESPONSE WITH NO RESOLUTION TELLING ME TO CALL BACK. I JUST TOLD YOU FOLKS YOU DONT ANSWER YOUR PHONE. THEY WILL NOT CALL ME, CAN NOT CALL ME AND APPARENTLY ARE UNDERSTAFFED AND CAN NOT SERVICE CREDIT CARD ACCOUNTS AS A RESULT. THIS IS NOT ACCEPTABLE AND THIS SHOULD BE INVESTIGATED DURING YOUR NEXT REVIEW OF COMENITY BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I recently checked my credit for the first time on XX/XX/2020 and noticed a derogatory mark for a debt owed on a credit card. ive never opened that card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause XXXX XXXX.

Company response to consumer: Closed with explanation