vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Main Street Personal Finance
State: MS

Complaint narrative:
I had a payday loan onXX/XX/XXXX for {$300.00} to be paid on XX/XX/XXXX Check was need sent to my bank. I called the company to take the check to my bank. Check as never been sent to my bank. The company than my account to collection, which than they my account to third collection company. I paid them XXXX to them on XX/XX/XXXX. 
The payment has never been give to the payday loan company. They have owing this money. Third party collection company will not return my calls. I have my Mastercard to verify all of my payment. No one can tell me after two year no money has been to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I purchased in XXXX and XX/XX/2018 various jewelry from XXXX XXXX store on clearance prices. XXXX XXXX is the financial institution that holds the account for XXXX. Within 1 week of purchasing the various jewelries I noticed on my account statement by viewing on line that XXXX did not have the sales amount listed but had placed the original amount in the Amount due. 
I called on numerous occasions to try and correct the error. I called XXXX corporate office, I called XXXX  XXXX customer service, I called and went to the XXXX store where I purchased the item, trying to get the error straight. But to no avail did anyone try and correct the error. Each entity kept directing me to the other store. The balance stayed Incorrect. I wanted to keep the jewelry but being XXXX, the bank that hold the account, could not list the correct amount or the sales amount showing what I truly owed, I returned ALL jewelry within the set time allowed for a Return items in order to clear my account and to ensure I had no payment issue. XXXX XXXX received all of its jewelry back in the allotted timeframe for returned merchandise. 
I kept Nothing and owe Nothing. XXXX  record keeing is terrible. XXXX had the order correct XXXX did not whatever they had done in their system they need to UNDUE they have ALL of their merchandise and I owe them nothing. They have now placed some a balance due on my credit when I do not have their merchandise and owe XXXX nothing. They have a paper trail error and needs to correct it within their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 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: WI

Complaint narrative:
on XX/XX/2019 I initiated a dispute with equifax to update my account with XXXX XXXX XXXX XXXX It is showing as an installment loan but it actually is a revolving line of credit with a credit line limit of {$7500.00} Equifax refuses to speak directly with them to confirm this I have made the suggestion that we do a three way call with XXXX XXXX   to resolve this on XX/XX/XXXX I contacted XXXX XXXX from XXXX XXXX to confirm this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, my kid got my cell phone accidentally sent a wrong payment information, and I don't know. 
On XX/XX/XXXX, I received the letter from The XXXX Bank just know, because there isn't enough money in check, will be deduct {$39.00}. Then I open the account, check into my check acount, the {$78.00} money is buckled,. 
On XX/XX/XXXX, I go to the The XXXX Bank XXXX XXXX XXXX bank branch, explained what had happened with them. 
They were very unfriendly to me and told me that {$78.00} was overdraft fee, but they didn't pay my bill, they just refused the payment request, why they had to deduct the money in the customer 's check without informing to the customer, they didn't do anything, they even didn't inform me, then my money was gone!! Can you think of the day when your bank account is deducted without notice? 
They told me there was a notice when I signed the contract, I had the signature, I asked them to bring out my signature paper, they didn't have any, and then found some paper for me, in a pile of very small words can not see! I asked them do you explain the terms of the contract to the client? They say they can watch it!! They deducted the money from my bank without any notice in 8 days!! This is very unfair to us, we can not make a decision with our own money, wake up as someone else 's!!

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 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
Us bank started the process of closing my account back in XXXX to this day my account is still in the process of being closed and there is a hold on my account. They say it is because a dispute that I filed that still opened so on XX/XX/2019 I canceled the dispute I was told it would take three days to actually close I called back is still open this was a dispute for {$22.00} I contacted the merchant again on XX/XX/2019 they were able to issue me a refund call the bank back they still have not lifted the hold on my account and I keep asking why and everybody just transfers me to somebody else nobody has given me a direct answer on to why my account is not closed they are holding my funds I have XXXX in my account that I have no access to and the dispute was filed XX/XX/2019

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

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 2019-03-01 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: IL

Complaint narrative:
I am a member of the XXXX XXXX and was mobilized to XXXX XXXX in 2018. Federal law requires that credit card companies apply SCRA benefits in these instances. Upon notification of mobilization, I filled out the archaic American Express SCRA benefit application and provided them with my orders. In the application I requested that the benefits be applied to both my Amex Platinum and Amex XXXX XXXX card. They only applied the benefits to my Amex platinum ( applying lower interest rate and did not charge annual fee ), but they did not apply them to my XXXX XXXX XXXX card. For several months, I attempted to request Amex resolve this and refund my annual fee that I was charged for the XXXX XXXX card. Eventually ( in XXXX ) it was determined that I would need to fill out another application to have these benefits applied to the card. I did so, however, they replied that due to the fact that the orders had ended they would not apply the SCRA benefits retroactively and refund my annual fee. This is absurd that they would apply them to my Platinum card and not my XXXX card, furthermore it's insulting that they don't recognize my mobilization to XXXX XXXX as qualifying for a fee refund. I inquired with several colleagues about this and not only did they have apply for SCRA relief for one card, but Amex also applied the benefit to all of the other Amex cards that they hold. Additionally, they were refunded ALL FEEs they've paid in the past. The fact that I am being singled out and not given the benefits required by federal law is insulting. I've now spent 5 full months trying to rectify this and the support that Amex has given me has been awful. I only have the federal government to turn to now to help me with this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc.
State: TN

Complaint narrative:
Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in 1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I filed a complaint XXXX this is not a duplicate. No lawsuits have been filed yet. This company recorded my calls and I did not give them permission. I have previously requested that CMRE call my attorney not simply mark my account for all future to communication to be sent to my attorney. CMRE general counsel needs to respond to my attorney it has been over 30 days since the original attemp was sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR

Complaint narrative:
I have a consolidation loan with One Main Financial. On XX/XX/XXXX I called and requested that my due dates are permanently moved to the XXXX of each month. I spoke with a XXXX XXXX XXXX who advised me that it would be no problem. I just needed to sign the forms via E-Signature. I did so immediately. On XX/XX/XXXX they attempted to take the money out and since I didnt have the money it did not clear and I was charged {$30.00} from my bank for insufficient funds. I called on XX/XX/XXXX to see what happened and make sure my payment was made for XXXX. The branch manager, XXXX XXXX, out of XXXX Oregon was rude, condescending and not helpful at all. He said you wouldnt refund the {$30.00} even though it was their mistake. I proceeded to agree to the one time payment of XXXX. Today, XX/XX/XXXX I noticed that I was charged XXXX twice ( 2 separate transactions ). I called and spoke with XXXX XXXX again who was even more rude this time and stated they didnt see I was charged twice. I proceeded to email screen shots of my bank statement and called right back. XXXX XXXX advised me that things happen and he would submit a reversal and says hopefully you can get your money back in the next 10 days. 

This is a UDAAP violation and has put me in a serious financial issues. I need my money for my rent and this company is essentially taking my money without authorization and not even saying they will get my money back to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I recently signed up for a new credit card from Chase Bank co-branded with XXXX XXXX. The card came with a promotion that requires a minimum spend of {$4000.00} within the first 3 months in order to receive the promotion. I have been using the card exclusively to reach the spend goal and also switched all of my automatic payments over to this card to help reach the required spending. Today XX/XX/2019 at approx. XXXX XXXX XXXX time, I went to make a {$3.00} purchase at a coffee shop and was embarrassingly informed that the card was declined. I called Chase at approx. XXXX XXXX XXXX  time to inquire why the charge was declined. During the call the rep from Chase also informed me that an automatic payment was declined. The reason for the declines according to Chase was that Chase put a temporary hold on the account. Why? I was told it was a random hold. This was never communicated to me so that I could make alternate arrangements for the automatic payment and nor was this communicated when I signed up for the card. Had I not called I would not have known about the declined automatic payment and been charged a late fee and an insufficient funds fee. Additionally, the rep informed me that Chase puts random holds on accounts from time to time. So basically, I should never set up auto payments with their card. Also I am taking a chance of another embarrassing moment of having the card declined at a merchant. I have had automatic payments set up with XXXX XXXX XXXX and XXXX and NEVER, I repeat NEVER experienced anything like this. Very discouraging business practice when you want people to use your card. 
Also, very poor customer service by their senior phone rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: FL

Complaint narrative:
two collections opened by XXXX one XX/XX/2018 one XX/XX/2018 for same amount same original creditor that are not mine. tried to dispute with Equifax .they make it hard. 
I tired one hundred times they as soon as I get close after filling out tons of info screen denies request they say their busy try again. Equifax only credit bureau doing this other ones know it was not mine.The worst is they posted it twice and lowered my score twice for the same wrong info. Equifax is making it hard on purpose PLEASE do something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I purchased this card on XX/XX/XXXX as a gift to a friend, I traveled to XXXX XXXX but forgot the card at home accidentally. I returned to XXXX XXXX and gave it to my friend only to find out when he went to use it that someone had used it on XX/XX/XXXX unknown to myself or him. 

I sent a fax on XX/XX/XXXX as well as an email XX/XX/XXXX to BNH about this matter with all documentation I have also attached that as well to this complaint. It took another email to let them know that if I didn't get some kind of a response I would report them to a government authority. 

Today I received a letter from them that they are not going to honor a product they sell, because of some 60 calendar days? I paid {$300.00} for a card that I or my friend never got to use. If they would have told me I was just donating this card to a fraud level I surely would not have bought one of theirs!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 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: Security National Automotive Acceptance
State: NC

Complaint narrative:
In XXXX of XXXX, my husband and I were checking our score due to needing to find another vehicle. We noticed an account with Security National ( SNAAC ) was considered CLOSED and showing no payments for all of XXXX were made at all. This is inaccurate as we have proof of payment history and the account is very much still open. My husband was XXXX during a time the vehicle was repoed for non payment in XXXX, but we fully paid the amounts own for those months in XXXX of XXXX. I called SNAAC and they said that regardless if were in good standings with them, they cant go back and show its still active/open. I called XXXX in XXXX of XXXX and filed a dispute. They came back reporting that SNAAC will not fix the issue and that they said weve made one payment in XX/XX/XXXX and never fixed the year of XXXX. I spoke with a supervisor of SNAAC today, XXXX XXXX, and he said there was not much he could do and that they will not show the status as active/open. This is TRULY hurting my credit score and I dont feel they are treating us fairly. I feel as if we shouldnt have to pay for a loan if its not going to help our credit score and they need to pay for the detrimental damage they have caused to myself, my husband, and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i contacted CHASE regarding a fraudulent charge on my account. However CHASE refuses to look into this matter at all! We have been CHASE clients for 20 years and they don't want to provide necessary security and or investigate fraudulent charges on our account. I conference called CHASE with my husband on XX/XX/2019 and their Claims department that handles issues such as fraudulent or unauthorized charges didn't want to help us we don't understand why and they refuse to further speak with us about this problem. on XX/XX/2019 we spoke with XXXX working for CHASE located in the XXXX refused and caused immense emotional distress to my wife. This not believable that our own bank CHASE is helping these fraudulent charges occur i sincerely believe they are in genuine and unwilling to help us with this issue. The merchant that took the money is a hotel in XXXX, Arizona and we had disputes with them regarding charges from XX/XX/2019 that we contacted the hotel and they advised us to contest the charges and their owner would call us back, we never heard back until they ran our bank card information again on XX/XX/2019 which prompted us to contact CHASE right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
We applied for a credit card with Barclays bank after recieving the mailer that promoted the rewards etc for the Luxury black card with Barclays bank. We opened the account and we used it twice and paid the balance off. The card cost {$450.00} annually and the way we justified this expense was the great benifits that the card offered. We had it open for several months and then Barclays sent us a notice they closed the account. We asked for the {$450.00} back and the rewards we had built up. We were told from multiple customer service and credit card management employees of Barclays that we would not get any of the {$450.00} back or the rewards.

They offered no reason and no solution.

We basically were robbed of {$490.00} in a matter of several months.

Please help us resolve this.

If others are being robbed the Barclays should be stopped from doing this.

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 2019-03-01 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: GA

Complaint narrative:
There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX  Credit Card.

Company response to consumer: Closed with non-monetary relief