vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX of this year, PNC Bank closed a XXXX card I held with it since XXXX. I filed a complaint with the Better Business Bureau immediately after. The facts are set forth below. The business was having issues with its mobile payment system. Despite informing its consumers via email, it refused to wave late and interest fees on my account as a result of its system malfunction. The business later closed my account and insisted that it was a my request, which is false. 

I made a payment to my account on its due date of XXXX XXXX, XXXX. There were continual issues with PNC 's mobile app that day ( this has been noted contemporaneously, and copies of said notice from PNC are attached ). Because of said issues, the payment was not submitted until after the cutoff time of XXXX XXXX on XXXX XXXX, XXXX. The representative I spoke with on that day coached me through making the payment via your website because of the issues with the app. They also confirmed making notation to my account of the issues, and assured that any fees in conjunction with the payment being potentially late would be reversed. 

On XXXX XXXX, XXXX, I advised a representative of my XXXX XXXX, XXXX experience, and asked that she review the notes accordingly. Her response was that her supervisor would return the interest to my account, but not the late fee. I replied that if, and only if PNC would not comply with its own policy concerning reversal of late and interest fees as well as the Fair Credit Billing Act ( FCBA ), I would institute proceedings to close my account. 

When speaking to the bank on XXXX XXXX, XXXX, XXXX XXXX credited my account {$25.00} for the late fee, and explained by admission, that what occurred on XXXX XXXX, XXXX was not standard protocol or PNC 's policy. And that PNC would not waive just interest, and not the late fee. Whether my inquiry to the Better Business Bureau prompted this response from PNC is unknown. But I was certainly not advised that it were returning the late fee as a courtesy, but rather to be in compliance with the bank 's own policy, which clearly was not carried out on XXXX XXXX, XXXX. 

While subjective, I would argue that PNC not complying with FCBA, and its own policies would be grounds to forcing my account closed. Further, if my account was closed due to misinformation and PNC 's position remains concerning reopening my account, which was only closed because of information and misrepresentation and non-compliance of its own policy, I have no choice but to request that the BBB document this matter for public consumption, and escalate this matter to the Federal Trade Commission, State Attorney General, and the three ( 3 ) major Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Freeze was placed on my business account without any reason or notification from Capital One Bank. They claim that last check that I deposited, which is the same Payee name for a past 3,5 years, is under investigation. No explanations why, just hold placed without any notice, which causing me a lot of problems and extra fees from returned transactions. Bank representative stated that I will be contacted once investigator will open case, when she is not sure. I asked who will be paying late fees and returned transaction and did not received reasonable answer from Capital One Representative. This is not the first time that this bank does this to me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX has reported to the credit bureaus a debt that does not belong to me. I called XXXX XXXX XXXX  and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. 

Experian and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of Experian.

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian requires information that I can not provide to complete a credit freeze. I am the consumer trying to freeze MY OWN credit and it will not let me. With the amount of information that they have on me WITHOUT MY WANTING THEM TO, I should not have trouble freezing my own credit through them. I have tried calling but they just hang up time and time again. 

This is unacceptable, and I can not do anything about it. If I could make it so they could not have any of my data I would, but I do n't have that power. I am powerless to them, and that is not how things should be.

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 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Filed on : XX/XX/XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Filed against : Mr. Cooper XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Complaint Description : ***XXXX XXXX   account # XXXX, acquired my mortgage on XX/XX/XXXX. Mr. Cooper Mortgage account # XXXX, acquired my mortgage on XX/XX/XXXX. Less than thirty ( 30 ) days notice from either party. *** Mr. Cooper acquired my mortgage on XX/XX/XXXX. They are expecting the payment for XX/XX/XXXX which was made to my previous lender. Mr. Cooper ( XXXX XXXX XXXX, XXXX TX XXXX ) acquired my mortgage on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). Mr. Cooper is expecting payment for XX/XX/XXXX which was made to my previous lender ( XXXX  ), payment via US mail on XX/XX/XXXX. Mr. Cooper has made at least eight ( 8 ) emails, a dozen ( 12 ) calls to my cell phone, and today called my employer 's Human Resource Department. I spoke to Mr. Cooper today after they called my employer. Mr. Cooper said that I have a sixty ( 60 ) day grace period for payments made to the previous lender to be transferred. Yet I am being harassed. These are illegal collection calls. I want the collection calls to cease and my credit report to not reflect any late payments. Mr. Cooper is not due a true payment from me until XX/XX/XXXX as payment was made to XXXX for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX. Pursuant to FDCPA 809 I requested XXXX XXXX XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I cashed a check in the amount of {$2700.00} on XXXX XXXX, XXXX with Chase Bank. The company then proceeded to close my account and refuses to return my check or distribute the funds. They have cashed the cash and are in possession of the funds, but refuse to release them. This is a clear violation of banking law. Chase claims that I must have the person who wrote the check call them from a US phone number ( not possible as he is XXXX ) or have him visit a Chase branch and tell them the funds were intended for me. This is absurd as they already withdrew the money from the check writers account and he has no further obligation to me and furthermore this requirement is ILLEGAL. I have spent countless hours at my local Chase branches and talking on the phone trying to resolve this issue. Chase either runs me in circles or refuses to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim ; his information was used to apply for an account with XXXX/WalMart  without his consent. The account was established and a balance of {$630.00} was incurred and then reported to each of the credit bureaus. A dispute of this account was sent to XXXX/WalMart and a response concerning the receipt of that dispute was sent however we have now reached the 45 business day threshold outlined in the FCRA for the re-investigation to be completed however XXXX XXXX has not been contacted concerning the results of this dispute.

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 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a complaint against Wells Fargo because I was told on numerous occasions that when a payment is made on my credit card and I am currently under a promotion ( 0 % for 18 months ) that the minimum payment goes towards fees, interest and higher rate portion of account first. Makes sense. what they failed to mention is because I was due for {$110.00} minimum payment and I made a {$5000.00} payment that the difference would be applied to lower interest first. reason? they explained that I should have made minimum payment of {$140.00} first. Then cut another check for {$4800.00} and then the monies would have been distributed differently. they also informed me that the agent who took the payment on XXXX XXXX should have explained this. the section under terms and conditions for their credit card is below ( WELLS FARGO Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ( such as Cash Advances ). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. ) They failed to mention that payments made in excess means writing another check separate from minimum payment. Had I been made aware that I should have just made the minimum first this would have saved me a lot of unnecessary interest. I have expressed my concern with several people who have similar promotions and they were not aware that making an enormous payment that covers the minimum payment is not the same. They were not aware that 2 payments are necessary. This is outrageous and I am going to pursue this matter.

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 2017-09-20 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: VA

Complaint narrative:
We ordered some hand-painted tiles when on vacation in XXXX in XXXX this year. We paid {$650.00} on XX/XX/XXXX using my Chase Sapphire Reserve card. The assistant took down our XXXX address for delivery and added it to the invoice. We paid the full amount that we presumed included delivery as there was no mention of a separate charge. We were promised delivery by the end of XXXX. We heard nothing from the merchant, despite several chasing emails which went unanswered, until we received an email from a delivery company on XX/XX/XXXX asking us to pay XXXX Euros for delivery. As they were a month late and we were faced with a totally unexpected delivery charge, we opened a dispute on Chase 's website asking for a refund on XX/XX/XXXX. Chase have twice refused to honor our claim and say the the charge has been validated, despite our providing evidence ( attached ) that the merchant 's justification was inaccurate, particularly when he said that we had chosen and instructed the delivery company. Chase used this as their reason for not upholding our claim. We then sent a copy of the email which made quite clear that the merchant had instructed the carrier ( we had never even heard of them much less instructed them ). They have still refused to honour our claim. 6 months on, we are {$650.00} out of pocket and have no tiles. we do n't even know where they are. Chase have not answered the points we made in our submission and have represented us very badly in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX Bank now in collection with XXXX XXXX XXXX {$610.00} THIS IS NOT MY ACCOUNT I HAVE DISPUTED THIS I AM VICTUM OF FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc.
State: MS

Complaint narrative:
On XXXX XXXX, I moved from my home on XXXX XXXX XXXX to another address XXXX XXXX XXXX ( not my current address ), where I got new service for XXXX XXXX XXXX XXXX XXXX XXXX. I was told by a representative that in order to get new service at the new address, I had to pay up the bill at the previous address, which was done, and I did receive new service at the new address. In about XXXX of this year, I started receiving numerous phone calls per day from the XXXX XXXX XXXX requesting a debt of about {$130.00} that they felt I owed for a debt they claim they received from XXXX XXXX XXXX. This was not the case since I was able to receive service at my new address. I informed them of this and then ended the call. On XXXX XXXX of this year, I put my number on the do not call registry, and even though it has been over 31 days, I have received 7 harassing phone calls from collections agents of XXXX XXXX XXXX since XXXX XXXX, 31 days after I 've put my phone number on do-not-call. These phone calls stem from a series of XXXX followed by various different ending 4 digit numbers. I am aware of my rights as a consumer and am aware that these companies can be held accountable for breaking these do-not call protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
After reviewing my credit reports I noticed an unfamiliar item that was in collections negatively impacting my credit. 

On XX/XX/XXXX I sent a letter to the collection agency asking to not only validate the debt but provide the method of validation and they did not. 

I received a letter dated XX/XX/XXXX responding to my request, however the debt was not validated, the letter was a verification letter. The information I requested was not received. 

On XX/XX/XXXX I sent a second request asking to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is charging nusisance fees on my interest free card marketed as a balance transfer card. I am still within the zero interest period. BTW the bank places the onus on me to recall what the period is and DO NOT issue timely reminders. Oh " great '' customer service, right? 

They refuse to reverse the current fee. This from an institution that has been assessed serious penalty for phantom accounts. Now they are trying phantom transactions under the noses of customers who like myself have been with them for over 20 years when they were Wachovia. 

The agreement is " interest free '' I only pay the balance and DO NOT incur any transaction fees since I DO NOT and HAVE NOT made any purchases that would incur an interest charge. 

On its face this is a violation of state and federal banking regulations and please tell other consumers by way of this complaint to watch out.

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 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Called and spoke to a representative on XXXX/XXXX/XXXX and expressed how I was a victim of XXXX XXXX. I inquired about a goodwill credit that they were offering and I qualified for {$100.00} that would not be required to be paid back. The representative also said that he would refund some of my interest charges as well which would take XXXX hours to reflect on my account, but the goodwill credit would show up within an hour. I am always aware of my available balance and once both credits hit my account my available balance brought my account balance to {$360.00} which included my payment I had just previously made. My limit is {$500.00}. Today I check my account to see that my balance was {$570.00} which would put me over the limit. I was told by a representative that I continued to use my card after the available balance was gone which is false. I charges go through immediately and my available balance is updated immediately after my card is used. There is no way that any charged could have gone through after that available balance was at XXXX it would have automatically denied. All of those transactions were done in person and would have declined. I have closed my credit card account effective today due to the customer service reps including a supervisor that basically told me they could do nothing about what I was told by a previous representative or what took place on my account. This is very frustrating and was the last thing I wanted to worry about after a disaster such as XXXX XXXX. I am also considering closing my bank account with Capital One due to this error. I have been a customer of Capital One for a while and am very disappointed that I am even having to make a complaint. But no one wants to take responsibility for this mistake on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief