vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: AK

Complaint narrative:
I received a letter from Key Bank dated XXXX XXXX 2019 about Key Bank 's special repayment program and to comply with the enrollment I must comply with their instructions. 
1. Remit the first payment on or before XXXX/XXXX/19 2. Reinstatement : To bring the account current you must make the following payments on or before the dates indicated below. XXXX XXXX2019 Amount Due {$39.00} same for XXXX and XXXX and continue every month thereafter till paid. I paid for XXXX on XXXX/XXXX/19 XXXX XXXX/XXXX/19 and XXXX XX/XX/XXXX19 and have continued every month after that. 
New minimum payment amount : Your special repayment program minimum amount is {$39.00} and is due by your statement due date each month New interest rate is 3.00 % and is a fixed rate. 
What you need to know : There are 8 things listed that I need to know and no where does it say anything about about a late fee of {$37.00} and other incidental charges being charged to my account. I have contacted XXXX XXXX, Single point of Contact person @ XXXX and XXXX XXXX @ XXXX and all they tell me is " we'll look into it, and get back with you '' but that's as far as it gets and " NO RESULTS '' Why should I get charged a late fee of {$37.00} + {$4.00} & {$1.00} in other fees. Total for the month {$42.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Ally, and spoke with a representative, and a supervisor, concerning my financial difficulties. I explained my wife had been hospitalized recently and due to the recent flooding and bad weather in XXXX, Texas area I was unable to make the {$670.00} payment, because I had been unable to work my usual employment hours. I explained I would pay {$700.00} on XX/XX/XXXX, however the supervisor had no concern, simply speaking to me as if I was not aware of my financial hardship. I explained I have been struggling since my wife became ill and we lost income, along with bad weather since Hurricane Harvey which I had not been able to recover from. I have struggled to pay for the XXXX XXXX for over 5 years, My request to ally for a lower payment or any assistance allowing me to bring my account current has been denied. I explained the vehicle is almost paid off and it seems Ally simply wants to repossess it. I understand my payments are behind, however I continue to pay the debt. I am not avoiding the Ally, I am calling, emailing and requesting assistance. I have to call repeatedly to speak with a representative as if my account is flagged to prevent the call from being transferred. The representative made no effort to assist me, in fact he may have placed the vehicle on a repossession list despite me requesting a payment arrangement. This is unethical, due to the fact I have made payments for 5 years, now the vehicle is almost paid off they claim no arrangements can be made to assist me. The law may allow  this practice, however many people are having financial hardships due to various reasons allowing customers who are struggling to make payment arrangements should be an option.

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 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2019 I sent a fax request for verification on XX/XX/2019 I sent a certified letter for verification as of XX/XX/2019 I had not received any communication from this company ( Jefferson Capital systems ), when I requested information the tried to send it to another collection agency to collect but I also sent a request to that company as well which ( XXXX XXXX XXXX XXXX ). XXXX responded I have attached a copy of there response. Jefferson did not respond so I reached out to them to request that they cease collection and remove this account from my report since they didnt send verification nor respond within the allotted time for fair debt collection. I was advised by XXXX they he was not able to make that decision so I ask for a manager I was then transferred to XXXX who I advised of the situation and my request and I was told that I need to call back to speak with the correct department which I was under the impression they were the department since they both made attempts to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Disputed collection from National Credit Systems , Inc regarding a debt that was owe on my credit report in the amount of {$390.00}. First dispute letter was sent on XX/XX/2019 and second letter was sent XX/XX/2019 and the third letter was sent on XX/XX/2019. After three attempts of asking for legal documentation showing where I'm responsible for this debt. I received two letters on XX/XX/XXXX and XX/XX/2019 stating the same thing that my dispute has been investigated, however we have yet to find sufficient evidence to validate the amount owe. They asked if I can provide their company with all relevant documentation and information supporting to show them regarding the debt. And they will only revise or delete the debt if I provide them with information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card with Bank of America that had auto pay set up to pay the monthly minimum due with payments directly from my Credit Union Checking Account. 

I was paying off the full balance in the month of XX/XX/XXXX so using the BofA website I changed the automatic payment to equal the account balance, which at that time was {$14000.00}. The confirmation stated the {$14000.00} payment was scheduled to be made on XX/XX/2019 from my checking account which was linked to the Credit Card bill pay account. 
On XX/XX/XXXX I noticed the automatic payment system withdrew {$290.00} from my checking account ( this must have been the original minimum payment ) so my balance was now {$14000.00}. On evening of XX/XX/XXXX I checked the system to see if the next scheduled payment had been adjusted to match the new balance due, but it was still showing {$14000.00}. The payment webpage had a " change payment amount '' link so I used that link to change the {$14000.00} payment authorization to {$14000.00}. The system acknowledgment indicate the change was accepted. 
Then on XX/XX/2019 I checked my Credit Union account and saw that BofA had in fact made a withdrawal in the amount of {$14000.00} and a second withdrawal of {$14000.00} for a total of {$29000.00} which overpaid themselves by {$14000.00}. I did not authorize payments of {$29000.00} and their system did not indicate it was going to withdraw that amount either. I contacted BofA on XX/XX/2019 to inform them of their error and requested they return the {$14000.00} overpayment to my Credit Union Checking account. They apologized for what happened but could not explain what happened. They said they would reverse the charge but it would take 2-5 business days for the money to be returned my account. The 2-5 days time has elapsed and I still have not had my money returned. In the meantime I do not have access to my money. This should not have happened, $ XXXX is a lot of money for them to have taken without authorization. I need the money returned ASAP and since it has taken more than a week I also think they should owe some sort of penalty, XXXX knows they would charge me a lot if it was me that had made a payment mistake. What are my options for recourse?

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 2019-05-21 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: CITIZENS FINANCIAL GROUP, INC.
State: MT

Complaint narrative:
I am in the process of applying for a mortgage loan. When my credit score was run on XX/XX/XXXX, it showed a derogatory account for a XXXX XXXX XXXX XXXX ( # XXXX ). A balance of {$9300.00} is showing for a student loan that I paid off. It should have a balance of {$0.00}. 

After doing some digging, I discovered that XXXX XXXX XXXX out of Pennsylvania " owned '' this loan and has been attempting to collect on it since XX/XX/2013. 

This loan originated with RBS Citizens. Account # XXXX -- XXXX. I called RBS Citizens Bank 's asset recovery department ( XXXX ). They verified that this loan was in fact paid off. 

Using the app XXXX XXXX, I disputed this account. 

Then on XX/XX/XXXX, I received a letter in the mail from a collection agency called XXXX XXXX XXXX in XXXX, ND ( XXXX ) asking me to pay the balance of {$9300.00} for a XXXX XXXX XXXX XXXX XXXX XXXX, with the account number listed as my social security number. 

I have called repeatedly and left a voice message in an attempt to dispute this with them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In reference to my earlier complaint XXXX with LVNV Funding LLC, I have new supporting documentation of all accounts satisfied in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CA

Complaint narrative:
RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let it be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX-XXXX-XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX. XXXX-XXXX-XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days but that not the case in my scenario. This company completely ignore and continue to report this fraudulent account. I am attaching herewith ; the previous dispute I sent to this company, my identity theft report from XXXX  condition and my small claims form should them fail to cooperate and abide by the law.

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 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - I talked to XXXX XXXX from Commonwealth Financial System : PHONE # :XXXX about a debt collection ( {$980.00} ) on my credit report that is not mine. I asked Mr. XXXX what this debt was about and why it was in collections. He told me it was a debt from XXXX ( hospital bill ) so I tell him I have not been to a hospital what so ever that it was not my debt. Mr. XXXX proceeds to tell me " well if it was identity theft a credit card or loan is more common not medical bills, why would some one use your s.s for medical ''. Mr. XXXX than tells me " well if its not yours, you have to file a police report '' ; so I said okay! I'll do just that. Mr. XXXX continues and tells me " you know if you're lying to a police you can go to jail ''. I'm offended by this point because he's either trying to scare me or calling me a liar. I did not take that lightly what so ever. No one should be accused of lying by any means by " debt collectors '' ect ... ... I know my rights as well. We were in a recorded line so I'd like that to be taken into consideration from the company to review the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I made a payment on XX/XX/XXXX which were delivered on XX/XX/XXXX. Normally it would take at most one day for them to post, i.e., it would normally be posted on XX/XX/XXXX. However, they posted it on XX/XX/XXXX. The payment due date is XX/XX/XXXX. I even called Amex on XX/XX/XXXX to discuss this and they told me to at least make a minimal payment on XX/XX/XXXX and call back later when the interest charge is posted so that they can refund me. I called them today and they said they can not because I have a history of late payment, which, to my best memory, I made the payment on the payment due date at XXXX XXXX. This violates their regulation that I have to pay it by XXXX XXXX on the payment due date so I was considered as late payment. 

I would request a refund of my interest charge and additional XXXX dollars for my time calling them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX with my children to celebrate my daughters birthday. I paid {$110.00}. When we arrived we showed up to the front desk and purchased wristbands. We were talking to their associate at the front desk for about 15 minutes after we already made a purchase because we were confused as to how it works. The associate didnt thoroughly explain so we just said wed figure it out. We walked around the entire place for about a Half hour trying to figure out what rides our younger children could get on. Not to mention the wait time that we had to wait to get on. They could only get on 2 rides by their self. While we were in line our son came to us and asked what else could he do? He played all of the arcade games already. We were confused because it had only been about 20 minutes. He said that a lot of the games were broken and a lot of the arcade games were exactly the same. We then went up to the front and We asked the supervisor if we could have our money back because our children could not get on any rides and we were unhappy about our son not getting any use out of his arcade pass. The supervisor straight up said no because we have been there for over an hour but in reality we were trying to figure out what our children could get on. He also mentioned that the arcade pass was very useful because there were over 60 arcade games when that wasnt true. I pointed out that a lot of his arcade games were broken and I also pointed out that there might be 60 arcade games but theyre all repetitive so in reality there is not 60 arcade games and the manager didnt say anything about that he just said we cant give you your money back. I was very distraught and my children were very sad because they couldnt get on anything. The signs were not clear. If they were we wouldnt have stood in line talking to the cashier 15 minutes after we already purchased the tickets be supervisor was very unhelpful throughout the whole ordeal and he wasnt willing to help us in anyway possible. I tried to dispute the charge with my bank and my bank Basically told me that I authorized the purchase when that wasnt even what the dispute was about. My bank accidentally put down my dispute was not as described. My dispute was about unsatisfied by services that werent rendered. they basically took the business side over mine. The dispute was about the services that we did not receive and the unsatisfaction of the experience

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: TN

Complaint narrative:
On XX/XX/XXXX XXXX placed a hard inquiry onto my credit account for a phone plan that I was not eligible for, the store manager had given me incorrect information regarding my eligibility. When I tried to verify that account through XXXX  I could not since I was not in fact eligible. I found out that for that plan my husband had to be the primary account holder. So we put it in his name and transferred responsibility which in turn put an inquiry on his account. I spoke to XXXX and they agreed that the inquiry on my account was not fair/ valid and they agreed that it should be removed. However they informed me that they did not have a department that could issue me a letter of deletion. They told me to contact Transunion directly, which I did. Transunion informed me that they could do nothing without the letter of deletion. At that point I made a complaint with consumer finance. I then received an email from consumer finance stating that Transunion had agreed to handle/ assist me with my dispute. I received a letter from Transunion on XX/XX/XXXX stating that if I wanted it taken off my credit report I needed to contact XXXX directly for a letter of deletion. I called XXXX again and they told me they could not issue me a letter of deletion because they didn't have a department that did that. So now I back again making another complaint and hoping that this issue can be resolved.

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 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX have already done as much as they can and referred me to you and the New York state attorney. The ID number for the XXXX claim is XXXX. 
HSBC bank charged me a fee that I didn't sign up for. The statement I received from them, described the fee as a cash advance, which I did not do, but they argue no fault of theirs until they are blue in the face ... or me! 
Customer relations sends me a generic card agreement, which doesn't even closely match my card, but DOES show the fee. They will not budge on that fable. XXXX has asked them to respond and they havent. They asked again yesterday, and they refused to respond. 
There is one attached file with interest and fee information. This is NOT for my credit card agreement, but for the checks that I detached, to use for transferring balances, with a fee ... which I have not used. This is the other side of my welcome letter. 
Please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019, I noticed fraudulent activity on my Capital One Platinum Card. Some unknown person or persons had apparently used my card to make a large, unauthorized purchase of {$120.00} on XXXX. I immediately called the company and explained the situation. They told me that my card would be canceled and a new one immediately issued. 

As of XX/XX/XXXX, I noted that, not only had my new card not been issued, the company was charging me late fees on the old card. I called them up at about XXXX XXXX on XX/XX/XXXX and spoke with a rep who gave her name as XXXX. She told me : 1 ) I still had to keep making regular payments on a card that had been cancelled due to fraudulent activity.

2 ) They could not say when the investigation into the fraudulent activity would be concluded, if ever.

3 ) They would not issue a new card, since my old card was allegedly " past due '' when the fraud occurred and the card was cancelled. 

This seems to me like a clear-cut case of dishonest and underhanded business and a breach of Capital One 's obligations toward its customers under the Uniform Commercial Code and other relevant statutes. I implore your agency to intervene. I also suggest you investigate whether the fraudulent activity on the card was, in fact, the criminal machinations of strangers and not a shady tactic used by the company to harass its customers. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/2019, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On Friday, XX/XX/2019, I reached that objective, and called Wells Fargo on XX/XX/2019 to inquire about when I would receive the {$400.00} bonus. 

The customer service rep I spoke to said she did not know when I would receive the bonus. The following Tuesday, XX/XX/2019, I logged into my Wells Fargo checking account and learned the account had been closed by Wells Fargo. I called customer service and was told the account was " probably '' closed due to inactivity. This despite the fact that I paid bills with the account every week, including credit card payments, my mortgage, and utilities. Also, I had direct deposits going into the account weekly from my employers. 

I was told by the rep that Wells Fargo had processed those transactions as automatic transactions, even though they were not. I paid each creditor based on what I was able to pay that particular week. They were not automatic. I had to login online and pay. 

Wells Fargo has refused to pay the bonus. And the closing of this account has left me unable to access my direct deposit for a week. I now have to wait for a paper check to be mailed. I believe the account was closed simply because I achieved the goal to receive the {$400.00} bonus.

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