vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-17 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: VA

Complaint narrative:
I purchased about {$7000.00} of a  ppliances from hhgregg 's in 2015 and they recommended that I use their 24 months no interest plan to payoff the purchase if I signed up for the payment plan with Synchrony Bank, their credit arm. I said fine although I was able and willing to pay for the purchaser in its entirety at the time.
I signed some papers to set up the arrangement. I trusted the sales person that the payment plan would be set up as promised.
Following the purchase I received an bill from Synchrony bank for the purchase and I set up direct payment against my checking account assuming that the payments would come out of the account as promised.
To make the story short, they only took out the minimum required payment and two years later they have now charged me over {$4000.00} in deferred interest charges at 30 % rate! My payoff balance was less than {$3000.00}. I called the bank to pay off the balance but they said I owed the  m not only the balance but the deferred interest. This is truly a fraud.     I am intent to take them on and have hired a lawyer. I think this is a class action suit.     Meanwhile hhgregg 's is out of business ...

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 2017-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Statements : Ending period  XXXX / XXXX /   17  ; Balance {$31.00} Ending period  XXXX / XXXX / 17  ; Balance {$160.00} Fees charged {$120.00} Ending period  XXXX / XXXX / 17  ; Balance {$1600.00} Fees charged {$40.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$59.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$56.00}.      XXXX / XXXX /   17  was the first time, I received a letter advising me that my account was past due. Prior to the  XXXX / XXXX / 17  letter, I never received any hard copy or email statements or telephone calls  from Citi regard ing my past due account, but yet fees continued to accrue.     On  XXXX / XXXX / 17  I made a $  XXXX  payment to  Citi via th eir website.     Since  XXXX / XXXX / 17 , I have been calling  Citi Custom er Service to dispute all of the Fees Charged to my account, a total of {$270.00}. All of my attempts have been unsuccessful because the account is closed and no one can assist me.

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 2017-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Earlie r Syncrony lowered my Lowes credit card limit then closed it completely. I keep the card paid off. This is ridiculo us

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 2017-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
The reason why I am asking for your help in this matter is in XX/XX/XXXX I have decided to check my credit report from all three credit bureau And as I was checking I notices I have 3 debt in collection with XXXX that are not mine so I did a online dispute .I was asked to sent in personal information so I did ..I notices that XXXX have not taken any action in remove those debt off my credit report. XX/XX/XXXX, Collection {$5100.00}, I have dispute it.
XX/XX/XXXX, Collection {$570.00}, I have dispute it XX/XX/XXXX, Collection {$250.00}, i have dispute it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Pinna cle LLC c/o  Resurgent Capital Services is a debt collector for  XXXX   XXXX . They have never sent me any invoice bearing my signature that I initiated a contract with them for this service they are trying to collect on. I am a current customer of  XXXX   XXXX  and at no time have I ever been informed that I am being held responsible for a debt in the amount of {$980.00}. I have sent certified letters to this company asking for them to verify this debt by sending me a copy of the original agreement or contract bearing my signature that binds me to this debt. In resp onse Pinnacle has sent me copies of phone bills but no contract. According to the FDCPA, a debt that is accrued without a binding contract bearing one 's signature can not be reported to credit bureaus as accu rate information. So therefore Pinnacle LLC is breaking the law by reporting this inaccurate information and the credit bureaus need to be aware of these fraudulent activities because they are also breaking the law by having false information being reported according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NV

Complaint narrative:
See original complaint  XXXX  about MUFG UNION BANK , NATIONAL ASSOCIATION.     The company respond ed with a letter advising me to go to the California State Controller 's Office Website for mor e information about the escheatment process.     I told them this was unacceptable, on  XXXX / XXXX / 17 , and they have not responded.

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 2017-06-18 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: SC

Complaint narrative:
Upon pulling and reviewing my credit reports I closed my account with    XXXX   XXXX      XXXX   XXXX   (  XXXX  CREDIT CARD ) when I viewed an alert it shows two discrepancies on my individual reports.   XXXX   XXXX   Reported that I was 30 days late in   XXXX   XXXX   but current XX/XX/XXXX and   XXXX   XXXX   with  XXXX . My Transunion report shows CURRENT XX/XX/XXXX  but late XX/XX/XXXX  and   XXXX   XXXX   on my payments. This is clearly an error and very damaging to my credit history.

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 2017-06-18 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: SC

Complaint narrative:
Upon pulling and reviewing my credit reports I closed my account with  XXXX  Bank  XXXX   2017   (   XXXX  CREDIT CARD ) when I viewed an alert it shows  XXXX  discrepancies on my individual reports.  XXXX   XXXX  Reported that I was 30 days late in  XXXX   2017  but current  XXXX  and    XXXX    2017    with Equifax. My  XXXX  report shows CURRENT  XXXX  but late  XXXX  and  XXXX     2017  on my payments. This is clearly an error and very damaging to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My Account ending in ...  XXXX  has a balance of  XXXX  dollars. My full name is  XXXX   XXXX , my last  four  of my social are  XXXX , my security key on my account is  XXXX  ( where is I was born ). I have a balance of  XXXX  dollars and it is incorrect! I wrote a letter to AE fraud department but you never credited me the fraud charges!     First of all where does this  XXXX  dollar balance even come from? Everything on my account after    XXXX    2016    was fraud. So If you have not credited me anything since  XXXX   2016 , please apply the credits, if you do then you will see that I have NO balance on my account because after  XXXX , i have had  XXXX  dollar balances and I have NEVER used m y American Express ca rd since then at all. In fact I should have some credit balance.     Also, the following are few charges I have not received credits for though I sent you the statements in the mail with the charges circled about 10 days ago ( the statement is also attached in this message through CFPB ) :  1.   XXXX / XXXX / 16   XXXX   XXXX   XXXX   XXXX  MD {$44.00}  2 .  XXXX / XXXX /    16    XXXX   XXXX   XXXX  TX {$210.00}  3.   XXXX / XXXX / 16    XXXX   XXXX   XXXX   XXXX   {$0.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Park View Credit
State: AL

Complaint narrative:
On XXXX/XXXX/XXXX I search the internet trying to find a mortgage company that would finances someone with a low credit score. And I came across a website that was set up like the federal government. That stated XXXX had a program that would help consumer with a low credit score buy a house. But, you had to fill out their form so that they could run your credit report to see which of their plans would work best. Will I fill out the form and was DENIED. Then less then 10 minutes later I received a call from XXXX XXXX XXXX XXXX XXXX XXXX representing their self as been afflicted with the Federal government ( XXXX XXXX department assistant consumer with getting approved for XXXX housing program. They promise me after reviewing my credit that they could get my credit score repair to at lest 80 to 100 point from what it was. I asked what was their process and how long should I expect to see any changes. And I was inform that base on my credit it should n't take them no longer then 3 to 4 months. I question them about a judgment for past due rent. And they told me that I did n't have to pay it that they could get it removed. After all their gran promise the total me that their fee was {$500.00}. and it was refundable if I was n't satisfied. I have tried emailing and calling to request my refund with no reply. All they did was mess my credit up worse then when I was.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  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 2017-06-18 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: MD

Complaint narrative:
My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  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 2017-06-18 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: MD

Complaint narrative:
My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
My name is  XXXX   XXXX , last four of my social at  XXXX . My mailing and billing address is  XXXX   XXXX   XXXX   XXXX  MD  XXXX . Date of Birth  XXXX   XXXX    XXXX  .     I have been blocked out of getting any info or using my credit card with First National Bank of Omaha. I followed their instructions in getting my identity verified by getting notarized ID and bills and sending it to the bank. THe bank is now forcing me to try to get a local bank to call the bank to verify my identity and I have tried and no bank in my area has that policy to do so. In addition, per the fair credit billing act, and fair credit reporting act, credit card companies can not verify identity in such way and unreasonable behave such that they do not provide me any information or allow me to use my card. I have fraud on my account and I expect the  ban  k First National Omaha to completely  XXXX  out my balance as any charge on that account in the past 2-3 months would have been used fraudulently without my consent unless it is my family member, which as of now we have no idea as First National is not shari  ng with me. Hence, I request First National to follow the instructions I sent them via statements USPS mail and look at the circled charged on that statement and file them as fraud and re credit my accou nt so that my account has  XXXX  TOTAL balance now. In a ddition I request First National to remove the block on my account and call me to discuss deta ils of my account at  XXXX  as I have already proven my identity via notarized documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
On  XXXX   XXXX ,  2017  I received an email from Simple Support notifying me that my account was closed because it did not did not " meet the requirements of Simple 's account agreement. '' It went on to say " Your card and account are blocked so no further deposits, transactions or transfers can be made. '' I was on vacation at the time across the country and this was my only form of money. I was also concerned as I had just bought my mother and I plane tickets home the night before with this account and I saw that while it showed my  XXXX  purchase of {$360.00}, it was also showing that it was being credited back to my account. I emailed Simple Support asking why my account was closed and received no answer. I then called Simple Support and gave the customer support staff my information to verify my identity. I was told I was no longer able to have phone support and that I must email my concerns and they hung up on m e. I called two more tim es and I was hung up on both times. When Simple Support finally emailed me back, the response was " Your account has been closed and we are unable to reverse that decision. Please refer back to our original message as it contains all the information we have to provide. '' I emailed once more asking if the plane tickets I bought were even valid and I have never received another email. I was forced to buy  XXXX  new plane tickets with funds that I did not have and I am now extremely negative in my  XXXX   XXXX   XXXX  account due t o Simple Bank robbing m e.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.

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 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Hello : My briefcase was lost/stolen had a few credit cards in it that were paid off and a couple of pin # within briefcase to cards.  XXXX  other cards removed unauthorized charges with no problem!  Wells fargo card was completely paid off then whaam {$3300.00} worth of charges of which Wells Fargo Refuses to credit and states that I made these charges. I 'm not sure what else I can do or if Wells Fargo would listen to me anyway? Never files fraudulent charges with Wells Fargo ever, I 'm really surprised h ow they found these charges valid and were actually made by myseld? DID NOT MAKE THIS CHARGES PLEASE HELP!     Sincerely,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , MO    XXXX   XXXX    Phone:  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 2017-06-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around   XXXX   XXXX   XXXX     someone stole my Bank of America prepaid debit card. Someone stole my wallet in  XXXX   XXXX , CA. I never let anyone use my debit card before. There are no authorized or joint users. I never wrote my PIN on the debit card. I reported my debit card lost promptly to Bank of America.  <P/> I was told by a Bank of America representative someone stole about {$400.00} from an ATM at a credit union. I do not bank with any credit unions and I have no history banking with a credit union. I have no history using non-Bank o f America  ATM 's to make withdrawals ; so I can avoid non Bank of America ATM fees. I told the B of A representative I did not authorize that transaction.  <P/> In less then 10 days, Bank of America closed their investigation and refused to give me back my money. They also refused to give me provisional credit. They said there was no evidence of fraud. I told them all they have to do is look at the  Credit Union  's ATM surveillance cameras to see who the suspect was and that I am willing to help identity the suspect. Bank of America said they do n't have access to non-Bank of  America  ATM 's and can not look at th e Credit Union 's A TM cameras.  <P/> I asked if they made a good faith effort to call th e Credit Union t o ask for their surveillance/ cameras. Bank of America said  " No ''.  The ATM cameras will simply show whoever stole my money was obviously not me. This makes Bank of America negligent in their investigation.  <P/> I requested a re-investigation and I faxed a copy of my Federal Trade Commiss ion Affidavit/ t heft report. Bank of America closed the second investigation before receiving my  FTC Affidavit. (  I told them I would be faxing the FTC rep ort withing 1-2 busi ness days ). This further demonstrates Bank of America is negligent in their investigation ; and are not making any real effort to prove theft.  <P/> Bank of America is in violation  of Federal Regulation E, ac cording to the terms and agreements they sent me stating : " The cardholder will not be responsible for any fraudulent and unauthorized transactions. '' But this is not what the bank is actually enforcing which is misleading and against the law.  <P/> Bank of America made no real effort to prove fraud, and I believe they have an all to common practice closing out investigations early and not actually investigating much of 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 explanation