vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: DC

Complaint narrative:
My aunt went into the hospital due to a major XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX a fraudulent check was written and cashed in her name for {$38000.00}. Once this was discovered by my aunt through her monthly checking statement she followed all of the protocols required by the bank to have the money reimbursed. On XXXX, XXXX, XXXX PNC Bank reimbursed {$28000.00} of the stolen money. As of this date, XX/XX/XXXX the remaining {$10000.00} has yet to be put back into the account. My aunt passed on XX/XX/XXXX without this being resolved. She put me on her checking account before she passed. I am now taking care of the bills for her home and attempting to get the process started to become executor of her estate which this money would allow me to cover the court filing fees which I can not currently afford. This money is important to me moving forward with handling the business I need to take care of. My most recent correspondence with this situation has been with a follow up call from their fraud investigator saying that their back office was looking into the matter on XX/XX/XXXX. I only receive follow up calls once I take the initiative to reach out to them. I need this money put back into the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Continental Services Group, Inc. d/b/a ConServe
State: AZ

Complaint narrative:
In XXXX of 2017 I began attending XXXX XXXX XXXX University 's XXXX XXXX program. I was recommended by the school and my peers to pull out the max amount of loans, because I was attending a XXXX program and did not have time to get a job and support my means of living. Within a few weeks of attending school, family emergency 's came about, causing me to dropout of school. Since than I have had very little luck finding a job, let alone a good-paying and full-time career. I was under the impression when I was pulling out the student loans that it was to be handled via Dept of Education, just as my previous student loans were handled from my XXXX program at University XXXXXXXX XXXX. I contacted XXXX XXXX XXXX multiple times to try and settle this issue and devise a deferment plan until I got back on my feet financially and had a job, but they insisted I repay the entire amount or I would be sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My company had several business checking accounts with BMO Harris from XXXX - XX/XX/XXXX. We switched to another bank due to better interest rates. 

My accountant noticed in XX/XX/XXXX that one of our BMO checking accounts cleared the same check number XXXX twice for two different amounts in XX/XX/XXXX. The check in the amount of {$1800.00} was issued by our company. However, the check for {$5000.00} was not ours. I immediately went down to my old branch and spoke with branch manager XXXX XXXX XXXX. She pulled both check images and immediately recognized that the {$5000.00} check was a fraudulant check. It did not look like our other checks, our business name was spelled wrong, it was signed and made payable by names not associated with our business at all. She admitted that it was indeed a bank error, that we should've been notified at the time of the duplicate check number. She said to get a police report and come back and fill out a fraud affidavit, which I did. She said the money will be put back in my old account within 30 days. I called her 5 weeks later and she said she'd call me back. She called me back and said her request was denied because I did not file a complaint within 90 days. She also said that she would not be able to get decision over turned because I was no longer a customer. I asked for her boss ' info. I then spoke with XXXX XXXX XXXX XXXX XXXX who also admitted that this was clearly a bank error and that he would contact his superiors for a refund. I called him 10 days later and he said he had bad news. Because I did not report the fraud within 30 days that I was responsible for the fraud. He said the same thing as XXXX that because I was no longer a customer he would not be able to get the decision over turned. I asked for his boss ' info. He said he would email to me but never did. I have never had any fraud issues with BMO in the 8 years I was with them. This was the first and only issue.

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 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My issue pertains to a recent interest charge from Captial One. As of XX/XX/, the balance on my account was for {$510.00}. This amount, which included interest on that amount of {$11.00}, was paid in full on the payment due date ofXX/XX/2019. My credit card balance was {$0.00} until this morning, XX/XX/, when I checked my account on my phone and saw that I had been charged another interest charge of {$11.00}. The only description on Captial One 's app of the interest charge was for " purchases made on XX/XX/2019'', of which there were none and, as of the writing of this complaint, remains as such. I called Capital One for an explanation and all the representative told me was that this interest charge " was for previous account balances from XXXX and XXXX ''. Obviously, this explanation was not satisfactory and I'm quite dumbfounded as to how I can be retroactively charged interest on a balance that was already paid in full, and which I was lead to believe, according to their billing statements, included any and all interest charges accrued. I will not allow Capital One to hoodwink me into paying interest charges that they know are completely and utterly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Violation of the US Constitution 's Fifth and Fourteenth Amendment : I was not aware of any legal action against me from Capital One Bank prior to a shortage in pay on XX/XX/2019. After noticing my paycheck was minus several hundred dollars, I contacted my employer 's Human Resources Representative to see if they forgot to include my overtime pay. The Representative contacted payroll and then informed me of a GARNISHMENT they had received. I asked for an email copy of all records they had regarding this matter, went online to AZ Public Court Records, and then contacted the Superior/XXXX Justice Court to inquiry how this was possible. On XX/XX/2019, I called the Clerk of Courts and told them I had never been notified ( Served ) a summons, and wasn't aware of any legal action pending against me. The Clerk told me the Process Server 's ( XXXX XXXX ) told the court that I wouldn't open the door for him when he knocked, so Judge XXXX XXXX amended the the summons to where the process server could simply leave it on the door. I work nights and try to sleep during the day time with as much white-noise as possible. I do not get out of bed every time someone knocks on my door as this would be equivalent to someone working day shift being disturbed in the middle of the night ; from it being solicitors selling windshield replacements, newspapers, tamales, etc. The Clerk went on to say that she spoke with me directly about the pending court hearing and that I told her I needed to get back with her after checking some information. This NEVER happened! I go to the court once a month to pay a fine to the Clerk of XXXX Magistrate Court, a different Clerk in the same office. She went on to say that Judge XXXX XXXX then entered a Default Judgement against me because I never got back into contact with the Clerk after this bogus discussion. ARIZONA CASE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase at a store inXX/XX/XXXX, with payments to be made through PayPal. I chose this mode of payment because they offered six months of no interest. My goal was to pay it off in six months. I made my first three payments via email statements from them, to my email address. Then the email statements stopped. Throughout this period and beyond, I never received email or paper statements through the mail. 

Fast forward to XX/XX/XXXX, when I received my first paper statement from them, saying that I was delinquent in my payments and had accrued {$350.00} in late fees and interest. 

When I immediately called, to try to understand what had happened, I was told that the email address on file for my account ( at Paypal ) was different than mine- VERY different. That had never been my email address. I sent documentation to show that they had my correct and only email address beginning in XXXX, when this transaction was initiated. 

I was horrified that this happened, and sent a check for the balance due, which was {$1400.00}. That did not include the interest charges and late fees. 

I requested that those fees be waived, as I never received any statements from them after XXXX. I did not want to be penalized for not receiving statements after that point. 

I was told I could write a complaint to a particular department, which I did right away. I sent it " certified '', to make sure it was received. After no response, over a few weeks, I called again. They said they received it, but were still not willing to hear my story. I continue to get monthly bills, with additional fees, and feel strongly about NOT being penalized for NOT paying those months that I didn't receive statements. Their customer service team is simply not willing to understand what happened, on my end. 

I have a very high credit score, and I always pay my bills on time. If I had seen the " missing '' statements, I would have paid those bills. Instead, I stopped getting them, and forgot about the balance due. Out of sight- out of mind. 

In the enclosed attachments, you'll see that they had my correct email address in our first few transactions. I never changed my email address! One of the representatives I spoke to, said that they always sent their statements through the US mail, which never happened. It was always through email. 

I would be happy to discuss this with anybody on your team for further clarification. 

I appreciate your help with 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 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX received a call from a process server representing XXXX XXXX out of XXXX, TX. She ( XXXX ) stated that she would be serving me a summons the following day because I was being sued by XXXX for possible wage garnishment over a debt collection. 

When I contacted XXXX they stated that if I didn't settle I would be served and sued. When I requested validation of debt, the rep stated that she didn't have that information and that they were not a debt collection agency and suggested I contact the original creditor. 

I was able to obtain a date and business name from the rep and she stated that the statute of limitations in Ohio was 15 years. This debt was supposedly from XX/XX/XXXX, 14 years ago. She also stated that the previous debt collector has tried reaching me since XX/XX/XXXX and that XXXX had only obtained the debt 3 weeks ago. Approximately 5 months ago someone called me regarding this issue and I requested validation of debt and was told " that information isn't available, as we are not debt collectors, but a 3rd party ''. 

Can XXXX attempt to collect a debt while stating that they are 3rd party litigation and not a debt collector? While also requesting and offering settlement options? 

Can XXXX have someone call you, stating that are a process server, and threaten summons, suit, and wage garnishment if not handled? 

Can XXXX state the amount of debt and then state another price incurred if the summons is served, at nearly 3 times the original debt? 

My ignorant self paid {$700.00} on a debt I'm not entirely confident was mine ( I know I know ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Nelnet, Inc.
State: NV

Complaint narrative:
Fraudulent account opening originally with an online school, someone apparently obtained a loan in my name and all of a sudden this company nelnet is affecting my credit. I tried to dispute it and spoke with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was notified in XX/XX/2018 that the bank was increasing my interest rate from 14.24 % to 16.99 % arbitrarily and if I did not wish to continue using my card and pay the higher interest rate I would have to close the account which I did on XX/XX/2018 keeping my rate at 14.24 % and I received a letter dated XX/XX/2018 confirming this. Preparing my taxes this year I noticed the bank had been increasing my interest rates which now stands at 15.24 %. Their customer service rep states I didn't close my account until XX/XX/2018 not notifying them timely therefore they could charge higher interest now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Might my issues with this bank account it says that it was opened on XX/XX/2016 but I was XXXX so how can I open up account if I was XXXX

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 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express promotes to new credit card holder to sign up for its Platinum personal credit card with an annual fee, and the new cardholder will receive XXXX welcome bonus points XXXX to XXXX weeks after meeting the spending requirement of {$5000.00} and satisfying its terms within 90 days of opening the account. I had met the requirement and company has not given me the bonus points after XXXX weeks and telling me to wait for another XXXX to XXXX weeks, despite me contacting them 4 times and their reps told me repeatedly the bonus will post in XXXX to XXXX weeks. 

American Express finally opened a case on XX/XX/2019 and I was told it would take XXXX weeks to work on the case, but it usually would be much quicker. After checking with them each week for the last XXXX weeks, I was told they are still working on the case. It has been around XXXX weeks and I don't know if they will honor their agreement or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX ) XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion and XXXX  have addresses that aren't mine wrong dates accounts still open wrong balances XXXX has my dad 's addresses and phone numbers wrong balances on the free annual report but I have an account with them and none of that appears on my account there giving me a different report than the free annual report says

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 2019-02-27 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: OH

Complaint narrative:
I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: FL

Complaint narrative:
I recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX Personal Credit Card Account : CLOSED - Account Number : XXXXXXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  and XXXX have addresses that aren't mine wrong dates accounts still open wrong balances Experian has my dad 's addresses and phone numbers wrong balances on the free annual report but I have an account with them and none of that appears on my account there giving me a different report than the free annual report says

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 2019-02-27 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I bought a new car on XX/XX/XXXX, from XXXX XXXX XXXX, CA. I got financing with XXXX XXXX. Unfortunately I got an accident on XX/XX/XXXX and my vehicle was total loss. The insurance company, XXXX XXXX, delayed the payment to XXXX XXXX, I was struggled by those two companies. On XX/XX/XXXX I was going to pay the monthly payment due via online system at XXXX XXXX, I used to pay and through online the system. But system was frozen with this account, the other two account is live. I call to customer support center asked to release frozen system for payment, He can not fix anything about my requesting. On XX/XX/XXXX I logged in XXXX XXXX online system for payment. Account with this vehicle was frozen. 
Finally on XX/XX/XXXX Payoff balance check was delivered to XXXX XXXX . On XX/XX/XXXX, My credit report was negative by XXXX XXXX. Late payment was reported. 
Hyundai has to explain to me what happen to my account frozen, and also customer support center reps. has some solution for I requested to pay the payment due. 
I sent a written requesting to XXXX XXXX on XX/XX/XXXX, I do not have any letter from the XXXX XXXX . 

I do have some evidences what I did. 

Appreciated your time and help, Best Regards,

Company response to consumer: Closed with explanation