vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank : XXXX XXXX XXXX sent me a letter claiming that I owed their bank {$140.00} ( which I had paid at their branch nearby and was told by the branch CSR that I was totally paid out and that my accounts were at zero after the cash payment at the teller ). The letter XXXX sent me arrived in my mailbox on XXXX XXXX, 2015 and said that I had 7 days from the receipt of the letter to call her about it otherwise they would send it to collections. I called on Tuesday XXXX XXXX, 2015 and she said she had already sent the matter to collections without even waiting for my call. When I told her that it had n't been a full 7 days since I got the letter, she said it was too late. When I told her I would complain to the FBI, she immediately hung up. I 'm not sure I have located the receipt for that payment or could since it has been several months since the deposit was made. I believe PNC Bank is in error and is just trying to collect money fraudulently from me since I am XXXX. The CSR person who started taking full advantage of me was XXXX XXXX XXXX XXXX XXXX. Branch in XXXX, Florida. XXXX had lied about my behavior when I wanted to close my account with PNC, saying that I was yelling even though I was not yelling, just speaking with a disbelieving tone of voice XXXX I could n't believe she would n't close my account. The date of closing was within the rules. ) When I told XXXX it was unfair she expressed that it was too bad. I told her I was recording the conversation and she immediately hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COLLECTION ASSOCIATES, LTD.
State: WI

Complaint narrative:
Collection Associates reported on my credit an amount owed of {$1000.00}. I am currently making payments as a agreement. I called them to verify the balance and is still at {$900.00}. So far I have paid them {$650.00}. They told me that the original balance was XXXX which is not correct. My credit report clearly shows {$1000.00} which was reported by them.I know I owed on the account, but they are overcharging. Anything that can be done with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I returned my mini cooper XXXX on XXXX/XXXX/XXXX and was recently contacted by MINI that upon my lease end inspection I owe a staggering amount of money. They charge a flat fee of {$750.00} for having the service light on even though I took my car in for its annual service and was only within XXXX miles of needing service. I did not even know the service was due having had gone into the digital menu to check. They charged me {$950.00} for external " hail damage '' to my car, the pictures that were provided do not clearly show the " damage ''. Since getting my yearly inspection I would think my tire tread would have been checked and replaced if not having met requirements but instead they charged me {$200.00} because my tire tread was not thick enough, even though I was significantly under my mileage requirements. I believe I am overpaying and will have a hard time affording this extra monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
The numerous lawsuits, federal mandates, and horror stories from customers unable to feed and clothe their children has not stopped PNC from unethical accounting practices that maximize their fee collections. I was giving PNC one last chance in the first quarter of 2015 to prove to me like their representative said that they have changed their practices. However, I ran into an issue with my paypal account which resulted in a number of fees. But this was n't even the start - they have gone so far as to execute unauthorized transfers from one account to another without my knowledge that caused over {$200.00} in fees just in this month of XXXX. Each fee is {$36.00}, with an additional {$7.00} a day each day that the account is in the red. From XX/XX/XXXX, I have deposited over {$40000.00} to them, which under many circumstances would make me a relatively valued client. All they seem to see is an easier chance to move money around from account to account without the client noticing. From the XX/XX/2015 until XX/XX/XXXX, I have paid {$2400.00} in fees alone. Thankfully I am blessed and have a well paying job, but there are alot of people out there whose children would n't be able to eat. This has gotten to the point where I am struggling financially now because of their deceptive practices. I would like for the vast majority of fees to be returned, and then for myself and a PNC advisor to sit down and figure out what we can put in place to eliminate all future fees. If this can not be done, I will unfortunately have to cut my 6 year tie with PNC and move on. But it is blatantly obvious what they are doing is wrong, but the fee revenue far outweighs the puny court mandated fees. The system is flawed and attention must be brought on this subject. PNC is a catalyst to Poverty. How can you just take almost {$2500.00} of some ones hard earned money?? Bottom line is that they have used unethical practices to maximize their fees. I have bank statements that show each move and have identified each unlawful fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Over 3 months ago I submitted a loan application with PNC Bank, the process has become a complete nightmare. This situation is affecting economically and emotionally. When I first contact PNC Bank I stated that we needed to short sale a property to a family member. PNC agreed and they let us continue with the process. Upon initial review, they stated that financial situation for the borrower was in order, that the debt to income ratio was satisfactory. When they ordered the appraisal, they assured us that the loan was on track and there were no issues. We paid them {$600.00} for an unnecessary appraisal, unnecessary because the short sale amount was vastly under the value of the home. The appraisal came back and showed water damage to the home and the appraiser incorrectly stated that this was due to a plumbing issue. We had a plumber verify that this but PNC required complete repair of the bathroom before closing. We spent over {$50000.00} for this repair. Then PNC had the borrower purchase home owner insurance prior to closing. Once that was complete, PNC still did not set a closing date because no one ordered a title search. This delayed us further and further. Upon receipt of the title search, PNC began to make an issue about the short sale of the home to a relative. We continued delaying and delaying as we provided more and more requested documents and information. Once this was finished, underwriters decided that the borrower was never making enough money for this loan. Now the last request from underwriters is to have the borrower pay off his primary mortgage in full and increase the loan amount ( undoubtedly to have PNC receive a higher return on this loan ). This payoff amounts to almost {$73000.00}! In addition to close to {$8000.00} in costs incurred for inspections and repairs for a home valued much higher than the short sale amount, they now require another {$73000.00} to be spent before they even consider this loan. None of these requirements were ever pointed out when we initially began this process. 
On top of all the expenses that we had, because of all the delays that PNC caused, another {$7000.00} in costs must be considered due to the increase in short sale price and court costs.

Company response to consumer: Closed
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I filed an complaint with Barclays bank of XXXX on XX/XX/2015, I advised Barclays that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank the issurer of my Amazon Store Card has demonstrated unfair practices concerning my account. Example : credits and adjustments my be reflected in my account but latter placed back onto my account as a charge. My XX/XX/XXXX statement is a fine example where 1. credits and adjustments were made purchases as well. 2. At closing I had {$130.00} available and a balance of {$1600.00}. 3. Interest charge is {$38.00}. My new balance is {$1600.00}. At this time my credit limit is {$1800.00}. 4. At closing, my credit limit is reduced to {$1700.00} and my available credits is XXXX. No addition information was supplied until after my statement arrived ten days latter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Seattle Service Bureau, Inc
State: NY

Complaint narrative:
Three times I have received phone calls to my cell phone from ostensibly a collection company. They identify themselves as National Service Bureau. They gave me this website for them : www.NSBI.net. 

Each time they call they ask for sensitive information such as my date of birth, verify my mailing address, etc. Each time I tell them I do NOT owe anyone any money and if they have my address and think I do to send a letter. They have refused to send me a letter validating the claim. I suspect, if they were legitimate, then they would already have my address and would send at letter as the very first step anyhow. 

I subsequently called you the CFBP and learned that they have to provide their professional license number. I called them back and they refused. The only thing the guy gave me was ostensibly his name, XXXX XXXX. His phone number is # XXXX. 

I have perfect credit and pay all my bills weekly in full. If there 's anything I missed I 'm glad to pay it, but I do n't want to fall victim to some identity thief. Please investigate this for me. 

At he very least, they have violated the law in not validating the amount owed and whom to. Additionally, they refuse to provide their license number. 

Thank you, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I started a new job with Sam 's Club ( XXXX XXXX, XXXX, MI ). During orientation we were told that as new employees we were given a free basic membership but we at the same time we were being encouraged to open a more advanced Membership called a PLUS Membership for an additional fee of a deduction of {$2.00} taken out of our pay every week. We were also encouraged to open a Master Card Membership which would again offer cash back rewards for using this card. Since I 'm looking to rebuild my credit score, I had lost who lost not only my job but also my home of 24 years in a robo signing here in Michigan. I had a credit score of XXXX when I was forced into bankruptcy protection back in 2010. Up until I applied for this Sam 's Master card I have never been denied for a credit card. And this time not only was I denied a Sam 's Credit card approval, but they in turn automatically gave me a personal line of credit for {$1200.00}. I was shocked and said, " no thank you '' to this line of credit. The response back to me what that it was automatically done, that the line of credit had already gone through and that I 'd be receiving a credit card along with an explanation as to why I was denied the Master Card. When I repeated that I did not want the line of credit and said I think I was SLAMMED with a credit card and I think this is a problem. I explained that if I cancelled that line of credit that it would go against my credit rating.The person at the Sam 's Club Membership Desk stepped back, held her hands out, palms facing me, XXXX fingers spread, as if to say hey lady! and continued to say " it 's not me, it Synchrony Bank, the creditor. ''

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 2015-08-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: VI

Complaint narrative:
Lender ( care credit ) makes it hard to pay my monthly payment ( no internet payment even though they say you can the system locks you out, also the automated phone system will not allow you to make payment it will just hang upon you, then they will change min due to higher amount and when you make a smaller payment on time the lender will still charge a late fee and raise the finance fee ... 
Care credit also only gives you a small window to pay. 
You ca n't pay before XX/XX/XXXX for the next month payment and you will only have up until XX/XX/XXXX or you will be hit late fees and a higher finance fee, and claim a delinquent payments on your credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have paid my bills on time and have a good relationship with my creditors. However, my new CITGO Rewards Credit Card issued by Synchrony Bank lowered my available credit from {$500.00} credit limit to {$80.00} credit limit with little or no warning. I learned of this only by logging on to my CITGO account to make a payment. I received no letter informing me of a potential problem with my CITGO credit. A reduction of my available credit, nearly 90 % of my good credit, has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.

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 2015-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: TX

Complaint narrative:
This is in supplement to my complaint no. XXXX. Further investigation has revealed that Conn 's closed this account on XXXX/XXXX/13, showing a balance due of {$4300.00} and indicated the account was " purchased by another lender. '' XXXX XXXX then attempted to collect this invalidated debt but was forced to close the account when they could not validate it, and removed it from my credit listings on XXXX/XXXX/14. XXXX 's has left this invalidated debt on my credit listings for more than a year after it was removed by XXXX XXXX due to it being an incorrect and invalidated account. Attached is an excerpt showing the account was removed on XXXX/XXXX/14. XXXX 's individual listing should have been removed at the same time. They can not validate the debt and it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I checked my credit report recently and I keep seeing a debt from paypal credit card on my report at all XXXX bureaus the charges were fraudulent and the balance is not mine fees interest etc seems to have been added for charges I do n't owe. I received a XXXX form from IRS stating that I was required to report this old item as income I did just that because I do n't play around with IRS now every month this nightmare item that was fraudulent to start with is being reported as a new and current debt I claimed it on taxes against my own will and now this this is fraud unfair and I want an investigation immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
this number XXXX calls me every two hours up to 4-6 times a day after telling them to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have recently received repeat calls from XXXX regarding an account. I have never did had or requested an account with XXXX. I refused to give the caller any of my information. I then started to receive calls from Florida. Today I received a catalog for camera and photo supply at my home today, so i decided to run my XXXX credit report. I use the XXXX free report. I noticed there appeared to be an attempt to get a JC Penny card closed XXXX years ago reported as stolen last month. I have not had any business with the credit department of JC Penny so many years I can not remember. I believe sone XXXX is attempting to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
This lender had shown up at my house and left a business card with my XXXX XXXX XXXX son. I then sent a letter of non-contact, requesting to no longer be contacted through phone or in person, but only via USPS mail, and cited Fair Debt Collection Practices Act. They have since called me and said that they " are not under that law according to their supervisor XXXX XXXX so they are going to continue to call. '' Today they called me at work. This is unacceptable. I have also sent a Pay for Delete letter to their home office, certified mail, that was picked up yesterday, I believe, which also requested contact via USPS mail only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I receive non-stop calls from Conn 's on my account that is XXXX days past due. The last call I stated that I overlooked the payment and would submit on the XXXX of XXXX. The response I received was " That means you still have the money to pay your account. Why do n't you pay it. '' I requested for the calls to stop and it was bordering harassment. I then terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My Husband obtained a Care Credit card ( Synchrony Bank ) from his XXXX. My husband passed away XX/XX/2016. I began receiving statements for payment and the account was transferred into my name without my consent. I felt obligated to pay, and did so for 9 months. My son realized what was happening and that this was not legal. I stopped paying and we contacted Synchrony Bank to resolve. I asked for proof that I was legally obligated and they could not provide any verification of my signature on a binding document, or any electronic or recorded proof- because it does not exist. I was never involved in this credit. After several more calls and requests to rectify this, and explaining to them of the numerous violations against me, they still have not responded and the collection calls and letters continue. I am XXXX years old. This practice is no different then XXXX opening credit card accounts in customers names without them knowing. 
I believe Synchrony Bank is violating many regulations including, but not limited to, the Fair Debt Collection Practices Act, Fair Credit Reporting Act, New Frank/Dodd Credit Card Act, Reg Z Truth in Lending. Each call made to Synchrony Bank has been recorded ( at least we are told so ) and anyone who would listen to our requests to have this resolved, our explanation of the laws being violated, and our request to do the right thing would agree that Synchrony Bank is ignoring all requests, and willfully continuing with this illegal activity.

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