vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I got a hard Inquiry from XXXX through Experian. I had called both company 's asking them to show me something I signed or or authorized. Because I knew this was fraud and not authorized by me. 

XXXX said it should be removed off my credit file but according to creditwise.com it is still there. 

I have no account with them and I never applied for any account. Thank you

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 2019-05-14 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
one main financial & XXXX XXXX dont match. photos attached one main -- last payment XX/XX/XXXX trade line shows XX/XX/XXXX account closed XX/XX/XXXX XXXX XXXX got collections XX/XX/XXXX why long wait from one main to XXXX? 
re-aging on both parties? 

2 credit shows open, one shows closed and not in collections which is correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX I had several pending withdrawal transactions that showed a small negative balance. I dont have that exact amount because I didnt save the screen. I arranged a deposit of {$250.00} which showed pending on XX/XX/XXXX. Most of the pending deductions were posted the night of XX/XX/XXXX though and I was charged four {$36.00} overdraft fees. The balance AFTER the fees and deposit was {$64.00}. So I was charged {$140.00} for a total overdraft amount of {$41.00} ( including two pending debits of {$150.00} and {$7.00} ( not posted yet ). I dont think it is right to be charged that amount of fees for that negative amount. I also dont understand the process of overdraft charges on pending transactions because they can charge a fee for posted items based on pending item balance then charge another fee when the pending items post after already charging fees that make the account balance more negative. 
Overdraft charges need to be regulated so banks are not getting double fees for pending then posted. They should also have a maximum based on the amount of an overdraft. It is ridiculous to pay {$140.00} for an oversight of one transaction that caused an overdraft of {$41.00}, especially since multiple withdrawals were posted but the last items were small amounts so received multiple fees. I am on XXXX and this is almost $ 10 % of my monthly income. It should be usury. 
This situation is with PNC Bank in Michigan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2019 I opened up this U.S. bank checking account with the promise of a {$300.00} opening bonus using this link https : //www.usbank.com/checkingbonus2019/. I used promo code XXXX. Months later I became aware of an issue regarding this promotional offer via a popular banking blog website. US bank has documented records of the wrong code being applied to accounts during the morning of XX/XX/XXXX. I have been in contact with multiple bankers at USBANK that have said they fixed the promo on my account and have corrected the issue as well as XXXX XXXX. who says I did indeed meet the requirements for the bonus. Nothing was fixed and I have screenshots of the website as I applied for the account and screenshots of the popular blog website discussing this error that effected many others.

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX XXXX XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Hi, I have been generally satisfied with my Marcus by Goldman Sachs savings account. I ran into an issue on the morning of XX/XX/2019when I attempted to transfer funds from my Marcus account to my regular usage account with another bank that I regularly transfer money in and out of via phone call with a Marcus rep. The reason I had to call was because it was a large amount of money that I needed available for buying a house. I called, was treated well, and the transfer was established. I was told it could take 1-3 business days ( call was  on Tuesday, Reasonable to arrive in my account by Thurs/Friday ) which would have been in appropriate time for closing on my house. On Thursday, XX/XX/2019, I check my accounts and there was no transfer, no pending transfer showing in either account. I decide to call in as something is clearly wrong. I am told by the rep that I had canceled the transaction. I verified with the agent that I had done no such thing. The rep apologized for the mistake and processed a wire transfer which caused me to incur a fee with my receiving bank. Marcus refused to reimburse me {$15.00} for the wire fee. The wire was required because of a mistake Marcus made. I was redirected to a " supervisor '' and was treated poorly. The supervisor acted as if I was lying about never canceling the original transaction. They went through the notes on my account and confirmed multiple times that I had never spoken with an agent after my initial establishment of the transfer. The supervisor claimed that I returned a call about the transfer and was verified by their rep. I vehemently explained that I never called in and confirmed the account I was transferring to was a regularly used account with my Marcus account. I asked about how they could have verified someone claiming to be me and asked if they were going to have this reviewed by their fraud team. The supervisor confirmed that she didn't think it was fraud so, no. This is unbelievably ridiculous at this point. I, as a verified client, am confirming I never made a second call on XX/XX/19 and never spoke with the rep they claimed I did, and they won't investigate for fraud! The wire transfer went through and I was charged a fee. I called back and reached a different supervisor who was a little more helpful. This call was made XX/XX/2019. The supervisor said he would credit me the wire fee of {$15.00} and would have the fraud team review and reach out. Today is XX/XX/2019, I have not been credited and have had no outreach from a fraud team with any update on my case. This is incredibly poor client support. I can't believe I had to fight so much with the supervisors to be credited {$15.00} because of an error by the XXXX when I keep thousands of dollars with this bank. I am near to closing my accounts and advising every person I recommended this bank to do the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2019 I decided to pay off some credit card balances to help my credit score. I paid 3 total balances including my TJMax credit card. Then about a month later I notice my credit score went down due to a credit card being closed. I was notified that my TJ max credit card was closed because they decided they no longer wanted to give me a credit line. I called them immediately they explained that they decided to no longer give me a credit line after I had paid the balance off because they had the right to do so. They didn't try to help me and refused to re-open my card and damaged my credit. I am very upset because I chose to pay this off to help my credit not to effect it negatively. My payment history with them has always been on time.

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 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Either in XX/XX/XXXX or XX/XX/2015 I went to the emergency room at XXXX Hospital because of XXXX XXXX I was treated awfully they accused me of being a XXXX XXXX they took a XXXX and then I had a social worker come in to try to sign me up for XXXX XXXX a state health insurance they were unsuccessful and made a comment that XXXX XXXX   don't need insurance anyway about point I gather my belongings and left the hospital I was never discharged not that I have any procedures done during that visit I don't feel like I should be responsible for this bill considering the fact that I didn't receive any services and was completely disrespected and humiliated and it was the most awful experience ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK

Complaint narrative:
I filed a complaint with the CFPB, and it was closed as soon as the company responded to the complaint. The information provided by the company was incorrect, and I was never given a chance to respond. OneMain ran a hard check of my credit on XX/XX/2019 that I did not authorize. They obtained my information from XXXX, and third party personal lending consolidator that does not authorize hard checks or pass on permission to authorize a hard check to the companies it works with. I spoke with XXXX about this and have a transcript of the conversation. However, OneMain received my information and proceeded to run a hard check of my credit report. Their executive office  provided desktop screenshots from their site, not that of XXXX, that they say show I authorized a hard check. I never visited their desktop site, and I submitted my information to XXXX through their mobile app only, not the desktop site. Upon examining the screenshots from OneMain, at least 30 % of the information that they say was supplied by me was incorrect, including key elements like salary, job position, etc. OneMain reported this hard check to XXXX, and it has damaged my credit score,  but moreover, they violated the FCRA in running a hard check without my authorization. I would like for the CFPB to contact OneMain about this issue. The hard credit authorization is fraudulent, proven by the inaccuracy of the information they claim I submitted on their desktop website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
For the past week, I have been trying to talk with someone at 5/3 to assist me in logging into their system to access my MB Financial account, which was closed a week prior to the merger, to obtain pdf copies of my checking account statements as well as my savings accounts. 

I have been on hold for over 80 mins between the 5 calls just to speak with someone ; plus an additional 15+ minutes while one clerk had to keep talking with a supervisor to figure out how their system worked. Every conversation, I go through verification and provide them with my phone number in case we get disconnected and without cause, I have been discounted 4 of 5 times ; the one time I was not I requested that the manager call me back instead of me wasting my time on hold while the clerk learned about their system. 

With all of my other closed accounts at numerous financial institutions from local banks to national banks to large brokerage houses, I am still able to access statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a JP Morgan Chase Bank Customer for the past 6 years with an outstanding bank-customer relationship, holding two ( 2 ) credit cards, a saving and checking account. 
Inclusive My Husband has been a Business Customer of JP Morgan Chase Bank since XXXX. 
On Saturday XX/XX/XXXX, while watching TV with my husband, I received two ( 2 ) emails from Chase Bank Fraud Protection Services asking for my response in regards to a charge made on my credit card. 
I immediately did what WAS RIGHT TO DO and called the number on the back of my credit card, to let them know and report : I DID NOT AUTHORIZED THE CHARGES, THAT I DID NOT MADE THAT PURCHASE The next day XXXX received another Email from Chase Fraud Protection Services stating : Dear Customer '' : We closed your Chase Freedom credit card account ending in XXXX to prevent unauthorized transactions, as we recently discussed. 
The Letter also had more information on what to expect from the Fraud Investigation. 
On XX/XX/XXXX I received a letter in the Mail From Chase Bank Stating they were working on my case and they had closed my account etc. 
To my surprise on XX/XX/XXXX, I received another letter in the mail from Chase Bank Card Services which said that the charges were back on my credit card because I have received benefit from it so I was liable for the charges. 
I immediately called again and spoke to XXXX at the Fraud Department who said that my Husband XXXX XXXX made the Purchase, when in first place HE IS NOT AN AUTHORIZED USER on my credit card and was sitting right next to me the moment when the alleged purchase was made in another US State. 
From That date, XX/XX/XXXX I have been trying to resolve this issue going back and forth with Chase and opening the case, almost every month with the same outcome. 
In one of the many conversations the Chase Fraud Representative made a three way phone call with the XXXX XXXX Representative, my husband and I and nothing was resolved. 
I didnt even received an Email or purchase order form XXXX XXXX XXXX when the alleged purchase was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
For years I tried to get a modification but Ocwen denied me because I had got hurt at work and was workers compensation. After making me jump through hoops they told me that workers compensation is not a job and isnt considered a job. So I was forced to file bankruptcy. So over the years I have tried to make an agreement to keep my house but every time I attempt to the amount owed is a lot higher than it should be and there is a huge balloon payment involved. This year I was contacted by Ocwen again. I had a very high payment to make for three months again. This is to prove Im serious I guess. But every month I kept getting notices of default and to sell my house in the mail. It seems like theyre doing this to bully me into signing an offer from them that not fair and too high. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
RESURGENT Capital Services sent me a letter Dated XX/XX/2019, attempting to collect a debt that, I do not owe in the amount of {$1000.00}, which is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2019 I found the website XXXX & purchased two items for {$460.00}. The company offered a " discount '' of 10 % if you send the payment through PAYPAL.COM to XXXX ( ), which I did. Their payment hit my account two times, causing overdraft fees. After contacting the company, they promised to compensate me for those overdraft fees but instructed I resend the amount to XXXX ( XXXX XXXX ), which I did on XX/XX/2019. I have not gotten the refund from those fees. All seemed well until nearly 3 weeks went by without word on the delivery. I began reaching out, via their online chat but no useful information came of that. They've continued to ask for my patience & understanding. They've expressed issues occuring with their XXXX " vender '', giving me new dates for receiving my order. During the first week of XX/XX/2019, I reached out asking for blunt honesty, telling them how needed to device is but there's been no change. Now, the company does not respond to my online messaging. PLEASE STAY AWAY FROM THIS WEBSITE OR ANYWHERE THESE EMAILS SHOW UP. WHEN THINGS ARE TOO GOOD TO BE TRUE, THEY'RE EVIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
I think it was back in XX/XX/2018 I went to a weight loss center. They said I could finance my program through Green Sky. They used this little tablet to pull everything up and only showed me bits and pieces of the loan that required my signature. Never told me the details of the loan. Ended up being a {$3000.00} line of credit but they didn't tell me that the {$3000.00} needed to be paid off in a short period of time or else there would be another {$3000.00} added to it in interest charges. Plus this company Green Sky is always tacking on some kind of fees. The Actual Lending company says it is XXXX XXXX, a Mississippi banking Corporation. Problem is I can't pay what they are asking me to pay. My XXXX yr old mother co-signed this and neither one of us realized what it was until it was too late.. Can you please help me with this? I take care of my mother ( she lives with me ) and I feel like this Weight Loss center duped me into signing something without giving all the details. It is their fault as well. Green Sky says they can't do anything to change the loan agreement and is sending me past due letters and calls. A copy of the contract is attached however when I signed this, it was on a small tablet screen and only showed where to sign not the details. That is why I feel like I was duped into this. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I reviewed my credit report and saw this charge for XXXX XXXX hospital, I have never ever used there services. I dont even own any pets this is a fraudulent charge under my credit report

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 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
BARCLAYSBK is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number - XXXX. This account as been paid and the correct reporting should reflect a {$0.00} balance and {$0.00} past due. ( Please see pages 4 and 5 of the attached credit report. ) This incorrect reporting on my credit report is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have called XXXX XXXX at the end of XX/XX/2019 about when are they I'm going to report my auto loan to report to the credit agencies and KIA told me that there will report every three months, because I'm not current on paying my auto loan. That is not correct I pay every 25 days. I even pay the late fees just because of my payment schedule. As long as I am not 30 days past due this should not be an issue. The person I spoke with at XXXX XXXX very rude and disrespectful and hung up on me. How nice since I paid over 13 % interest. The car is almost paid off. On eight {$22000.00} dollars car i'll end up paying over {$44000.00}. And they can't even be nice. All I ask is for them to report every month like everyone else. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: FL

Complaint narrative:
I reviewed this information and found on my credit report. I have never did business with this company. I do not owe this depth

Company response to consumer: Closed with explanation