vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Okay, this is related to my previous complaint # XXXX. That issue was resolved favorably. However before I could even see a bill, they reported my account to the credit bureaus. I never signed up for paperless billing and never saw a bill. When they finally called me about the bill, I paid immediately including all fees and interest. They reported me to the bureaus on XXXX XXXX. They called XX/XX/XXXX and I paid over the phone. They put a report in on XX/XX/XXXX that my account was in good standing. Does not matter because my score went from the XXXX to XXXX and still is at XXXX. How dare they abuse the credit reporting system especially after illegally signing me up for paperless billing. Credit reports have huge implications for jobs, rentals, and all loans. I did not even get a paper bill till after they reported me, they gave me no chance to pay. How could they not think that paperless billing can get lost in spam or even not delivered. I want all negative reports from comenity deleted. Please help me fix this otherwise I will have to take them to court even if it is just small claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Obtained a credit card with Barclays Bank after being promised a promotional credit of air miles. Paid a {$99.00} fee and was then told I would not receive miles as I previously had a no annual fee card. Cancelled card and they would not refund the {$99.00} fee.

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 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: TN

Complaint narrative:
On XX/XX/2019 I received correspondence from Associated Credit Services , Inc. for a debt in the amount of {$150.00} that I have no knowledge of. I am requesting that this issue be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: TX

Complaint narrative:
On XX/XX/19, I received a notification indicating that my account has a draft pending, which was not supposedly to be draft until the XXXX. Now when, I set this up I was with a Branch Manager who explained the policy and procedures on setting up an ACH. He stated that they will process my ACH 48 hours before the due date. Well low and behold the drafted my account on the XXXX of the month. Instead of my pay period and due date. Which was not explained to me that this was going to happen, unfortunately, Im out of the states with no cash because of this erroneous banking error. I immediately contact the online service to find out why was this been drafted so early.. To be told by the online manager XXXX XXXX that the branch manger XXXX XXXX gave me misleading information. That they drafts out of the account 7days early. I told the rep that I asked XXXX XXXX how does the ach works. He told me 48 hours for a electronic payment. I requested to speak to XXXX supervisor since he couldnt help me, considering the fact that he said it was set up for an ach but the system is reading it has a check draft which will cause them to draft early not electronic daft like my first draft and I was denied. So I contacted the self service banking again to see if I can speak with a different manager to help with this error to only be told that they cant help me and that I will have to wait until Monday to fix the issue. Now Im left with no funds out of state based upon the misleading information and banking error that was told to me by an higher pay rate personal. My concern is how is that a branch manager banking information differs from a calls center information. When they are working on the same platform banking policy and procedures. No compassion nor concern when I was assisted by one of their upper management member to set this up.

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 2019-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had put an email in XXXX about " sharing my apartment rent '' [ XXXX  add # XXXX ]. I got an email from " XXXX XXXX ( XXXX ) saying he would like to rent the room for his daughter named " XXXX XXXX '' she was supposed to travel from XXXX to XXXX. So I believed him and we both agreed for this lease and he sent me check # XXXX with XXXX $ and another check # XXXX with XXXX $ amount both of which I deposited to my Bofa via Mobile deposit on XX/XX/2019. XXXX said, first check with XXXX has an issue and he sent me another with XXXX XXXX Both the check amount was kept on hold ( though initially it showed as deposited ) later I saw it on hold. As per our ( Mine & XXXX XXXX ) agrrement, I was supposed to deduct the rent amount and send him total of XXXX hence he asked me to send payment to two different parties so XXXX $ I sent it via XXXX on XX/XX/2019 to " $ XXXX '' and XXXX $ via Cash app to " $ XXXX  '' ( This is done from my XXXX XXXX  account ). When I am trying to email him to his email id XXXX or call his cell XXXX XXXX, both are going on vain. I have been scammed and I request someone to please investigate and return my money XXXX back. Note : I have raised complaint on both XXXX XXXX  and Bank of america bank ( ref Complaint # XXXX XXXX to investigate on my case but they are not giving me any assurance in getting the money back. Please help me. I have all the email & message conversations I had with that person along with the check he sent too. Please help me in this regard and I would like such scammers to be punished for their work.

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 2019-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lending Club Corp
State: FL

Complaint narrative:
I submitted a complaint to the CFPB regarding their multiple phone calls, after contact, and they subsequently sent the account to a Collection Agency ( XXXX XXXX XXXX ) threatening to negatively impact my credit even tho I am not 30 days past due!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: NY

Complaint narrative:
Equifax refuses to remove an address and a collections account that are fraudulent for over 30 days. A XXXX, AZ address appeared on my credit report as a result of identity theft, and I have submitted disputes 5 different times, but the address still appears in my account! Additionally, a collections account from XXXX XXXX XXXX has already been resolved and closed due to identity theft fraud, yet Equifax ignores any request to remove it from my report. All representatives are unhelpful and say these accounts are removed, but I STILL SEE THEM IN THE EQUIFAX PORTAL AS UNRESOLVED. Equifax is intentionally ignoring proof of identity theft and intentionally leaving fraudulent information on my credit report, ruining my credit score and access to credit due to a fraudulent account from over 6 months ago that has already been proven as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Approximately two month 's ago I was informed by BMO Harris Bank of ( XXXX XXXX, WI XXXX ), by a teller that I had extra account ( s ) in my name ( showed up under my personal account information ). Estimated date was XX/XX/XXXX. I dismissed that info provided by the teller ( thinking it was an error on the teller 's part ). one week later, I went to BMO ( same location ) and performed a transaction inside the bank. Upon making a withdrawal from my individual checking acct the teller had asked me which acct I wanted the funds to be pulled out of? My individual acct or my premium money market acct. I declared my individual acct. After the completion of that transaction I requested to speak with an acct representative. The rep ( XXXX XXXX ) is whom I spoke with. I had inquired with Ms. XXXX about obtaining some deposit history to my individual checking acct. When Ms. XXXX opened my acct information, an additional acct showed up ( MM Acct ). Ms. XXXX inquired, which acct? I said the individual checking. She said the info that I requested would take a few days to acquire the documents. Then, I requested information on the ( MM Acct ), that is or has my name and personal info attached to the acct ( as it appears each time I utilize the bank for a transaction ). Ms. XXXX played down my inquiry. Refused to disclose the acct holder 's name, refused to release any info to that MM acct that has/had my name on it. I became angry, angry in fear of someone having my acct information, utilizing my name on an acct that I did not open, that I did not provide a signature to the acct. I'm in fear of being held responsible for fraudulent activities. Ms. XXXX, only stated that I maybe receiving a small inheritance., a beneficiary possibly. THIS WAS NOT AN ACCEPTABLE RESPONSE! ... Now, on XX/XX/XXXX I spoke with acct rep Mr. XXXX XXXX, I had made an inquiry about the mm acct. The rep stated there was no other account showing up other than my own two ( individual checking & savings ). This tells me an acct representative move that mm acct off of ID, but it does not assure me that my name is removed from the mm acct and a CD acct. I expect absolute assurance that my name has been removed from these acct 's, ( not just moved off my ID and placed on a different board whereas it no longer shows up with my board/ID.

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 2019-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARS National Services, Inc.
State: FL

Complaint narrative:
I submitted a complaint to the CFPB regarding their multiple phone calls, after contact, and they subsequently sent the account to a Collection Agency ( ARS National Services ) threatening to negatively impact my credit even tho I am not 30 days past due!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed unauthorized withdrawals from my checking account totaling {$2100.00} ( {$300.00} times 7 withdrawals ). I contacted Citibank immediately and they cancelled my debit card and sent me a new one. I explained to them that I never let anyone use my card and I always have it in my wallet. This account is only used to pay all my mothers bills. She is XXXX and has XXXX. Citibank refused to refund the {$2100.00}. They said they don't use the ATM cameras to help them make their decision, even though this will prove its not me and they will have the thieves picture and description. They rejected me saying that " the activity appears to be consistent with my normal banking 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 monetary relief
Consumer complaint received 2019-11-16 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: DISCOVER BANK
State: TX

Complaint narrative:
I have attempted to resolve a dispute with XXXX for months with them in excess of 3000 dollars. XXXX has said I am due the refund, the item has been proven returned and the lack of refund is merely a formality. They will not speak with XXXX for me to clear this up. I have spoken with them and XXXX for hours each day for over a month with no resolution. I have submitted multiple photos for evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: CA

Complaint narrative:
I applied for a {$300000.00} mortgage for a purchase of $ XXXX primary residence, with a $ XXXX down payment. I have a credit score of XXXX, I have been on my job for 20 years with the same employer and I have earned income of {$330000.00} per year and social security income of {$2800.00} per month and rental income. I have cash reserves of more than {$1.00} XXXX after close of escrow. I have proven I have sufficient earned income, credit and down payment and reserves to qualify for the mortgage. I provided all documentation to the lender immediately, tax returns, pay stubs, verification of deposit and letters of explanation. the last letter of explanation their underwriter wanted from me is to certify that I do not plan to retire. I feel this is age discrimination as I am XXXX years old and still working full time. They do not ask a younger borrower whether they plan to quit their job or to certify they will not be laid off why would they ask me to write this letter. I wrote this letter and the loan has still not been approved. The lender tells me that I had to write this letter as I am currently collecting social security. I explained that I started drawing social security two years ago and continued to work full time and collecting social security is not an indication of retirement.

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 2019-11-16 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: Collections Acquisition Company, Inc.
State: WI

Complaint narrative:
My name is XXXX XXXX, I happened to have a person who shares the same name and last name with me in XXXX Wisconsin. I paid off all my debts on my credit but collectors keep putting his activities on my credit report. 
1 ; three account all from woodmans grocery store. the amounts are {$130.00}, {$120.00} and $ XXXXThese are negatively affecting my credit report on XXXX. I know this person and talked to him about it and he admitted the accounts are his. Can you please help me and make sure this doesn't happen again. This not the first time,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's has been falsely reporting negative information to all 3 credit bureaus XX/XX/2019. I purchased a laptop from Conn 's on XX/XX/XXXX. The laptop was returned on XX/XX/XXXX. The restocking fee of {$100.00} was paid in store at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have explained this several times to Conn 's. I do not have an open account with Conn 's and this company continues to report negative payment history. Due to this, my credit has dropped 45pts and I have been denied credit from other creditors and was unable to close on my house due to this issue which resulted in a lose of {$2000.00}. I have called Conn 's several times over the past 4 months to have this issue resolved. I have been told several times that they would correct the issue in 10 business days. Per conversations with Conn 's reps, legal action will be taken if this issue is not resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
2016 XXXX was told would be covered by my insurance I would not have a co pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I Opened a TD Bank Checking Account online on XX/XX/2019. 

Account was immediately locked and required me to come into a branch to with my State ID to prove my identity. However because I was living in California at the time I couldnt go into a branch because TD bank doesnt have any branches in the state of California. 

I called to explain this multiple times over the course XXXX, XXXX and XXXX and each time a customer service rep would refuse to help me further. Because of this my locked account gained {$50.00} in service fees even though I wasnt able to use the account. The customer service reps refused to close my account or waive the fees. 

I was finally able to go visit NY in XX/XX/ 2019 in which I asked to close my account in a TD Branch ( XXXX and XXXX ). The Customer Service rep at the bank was also rude during this interaction and refused to help with me. He demanded that I pay the {$50.00} in service charge in cash so he could close the account. I had no choice but to do so or else my account would continue to gain fees. 

Through this whole experience not a single customer service rep was helpful and provided a terrible experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I had a membership at XXXX XXXX for a couple months it wasn't working out that I had time to go so I went in and talked directly to the same manager that opened the membership and canceled the account that was taken directly from my checking account he said no problem and told me it was cancelled so I went on with life for a little over a year hearing nothing from them till I open my mailbox one day to a bill for 11 months of membership totaling XXXX dollars. And I call them and they said my membership was never canceled. And owed them for it. This is fraud. I canceled my membership by talking to the manager of the location!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2019, I was double billed by Navy Federal Credit Union ( NFCY ) for a car I rented in XXXX XXXX, Iowa. 

I reported the matter in upon receipt of the credit card bill per the Fair Credit Billing Act ( FCBA ), and again in XXXX. Please see Pages 1 - 11 of the attachment. 
NFCU acknowledged the dispute on XXXX XX/XX/2019. Please see Page 13 of the attachment. 

During XXXX and XXXX, I responded to NFCU 's questions. A record on these interactions is provided as Pages 13 - 18 through 33 - 51 of the attachment. 

On XX/XX/2019, NFCU advised that they were refusing to reverse the duplicate charge, noting, " As of the date of this letter, we have not received any correspondence from you. Therefore, we have concluded or investigation and determined that no billing error occurred. '' Please see page 52 of the attachment. 

Today, XX/XX/2019, I called NFCU and requested to speak to an ombudsman or someone higher up the chain authorized to discuss disputes. I was instead forwarded to the same Credit Card Chargeback and Resolution Section that had previously denied my claim. The agent, who gave her name only as XXXX but refused to provide a last name, first denied that NFCU had ever received any correspondence from me. 

When I noted that I have Express Mail Receipts signed by XXXX XXXX and marked " agent '' ( please see Pages 13 and 33 ), XXXX changed her position and admitted NFCU had in fact received my responses. She then said that the time NFCU is prepared to spend on this has expired, and the credit union refuses to reverse the charges. 

When I again asked to speak to a credit union ombudsman or similar official for higher level appeals, XXXX announced that there was no such position and the matter was closed. 

I ask that your office review the attachment in accordance with relevant Federal laws, and advise whether or not NFCU acted correctly. If not, I ask what options I have under the law going forward to reverse this double billing and the interest NFCU is charging for it. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have reached out to CMRE via a phone and mail to dispute an account they are claiming is in outstanding. I was instructed to send an dispute letter to their dispute department on XX/XX/2019. Having send the requested info CMRE has failed to validate the debt as per the FDCPA, they are holding my credit XXXX their account appears on my credit report every 6 months after I dispute with credit bureau and have it removed it comes back and their argument is we have the correct info. I have a copy of the certify letter I send it over to them and I have yet to hear from them let a lone validating the debt.

Company response to consumer: Closed with explanation