vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I attempted to make a payment on my XXXX XXXX XXXX Mastercard on XX/XX/19 for {$860.00}. When arranging the payment from the XXXX website, I accidentally chose an old Bank of America Checking account that I rarely use. My intent was to pay from another account from another bank. 

On XX/XX/19 the first attempt to process occurred with Bank of America causing an overdraft of my account by {$770.00}. Bank of America then charged a fee for {$35.00} for insufficient funds. 

On XX/XX/19 XXXX charged me a {$28.00} return payment fee. XXXX then attempted to run the payment again resulting in another overdraft with Bank of America and an additional {$35.00} fee for insufficient funds on XX/XX/19. 

Bank of America did send an alert that I later found in my email, but XXXX sent me no notice whatsoever that they had attempted to charge the account and received a nonsufficient funds notice from Bank of America. 

I have called both Bank of America and XXXX to ask that these fees be reversed because the total value so far is {$98.00} for an honest mistake. This seems like an unfair and deceptive practice focused more running up fees than serving a customer.

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 2019-10-19 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: NC

Complaint narrative:
I have two account with Amex. I applied for a third which is the Magnet card with a 0 % APR for 15 months and I filled out my application online with these terms. I was approved and was notified by email that I would receive my card by mail. I did a balance transfer from discover for the amount of {$4500.00} to Amex Magnet. I noticed an interest charge of {$58.00} on XX/XX/2019. I contacted American Express and I was told that I have misused the account. I asked how I misused the account and was informed that Amex could not give an answer. On XX/XX/2019, I spoke with a rep named XXXX though live chat. I requested a copy of my application as proof that the Amex did not honor the offer, I was denied. I then called Amex and spoke with rep XXXX. She said that she could not give me a copy of my application. She claimed that I signed up for the offer and was informed that I was not eligible for the offer and agreed to those terms. This is false. She went to say that I misused the account on my other cards but then later claimed that I misused the welcome offer. I paid {$130.00} transfer from XXXX to Amex and I'm being charged 23.74 interest that I should be not paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Can not get ahold of anyone to close a fraudulent account. Have mailed letters, called and been on hold for over three hours - called local branches - was always transferred to fraud line that repeatedly tells me my call is important and will be answered by the next available associate - which was never accurate. I want these fraudulent accounts closed!

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 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
This company purchased my loan from the last company who had my loan. I did not know this and continued to make my payments to the old company. The old company returned two payments ( made completely and on time ) to  me. By the time I realized there was an issue I was 30 days late with the new company. As soon as I realized the issue I called the new company, paid in full, and enrolled in their automatic payments program. Because I can prove that I did believe I was making my payments on time and in full I have asked that they take the 30 day late payment off of my credit. They refuse. 

I did not ask for my loan to be sold. I made my payments on time to where I believed they should go. No one ever called me ( from either Fay Servicing nor XXXX XXXX XXXX ) and left me a message asking for a return phone call or sent me an email. Though they both had this contact information for me. 

I do not believe I should be penalized for this issue due to my loan being purchased and I am requesting that the 30 day late payment be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: SC

Complaint narrative:
First Credit Services Inc. fraudulently flagged my credit file for {$350.00} with inaccurate information on XX/XX/2019 ; the account was fraudulently opened on XX/XX/2019. I do NOT now nor have I ever agreed to this contract! First Credit Services Inc. received my Validation Notice allowing them to verify their claim via certified mail no. : XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. First Credit Services Inc. ignored the Validation Notice provided and fraudulently placed their unverified illegal account with the credit bureaus for collection on XX/XX/2019. There is a clear case of fraudulent activity here! 
A Validation Notice was provided to First Credit Services Inc. on XX/XX/2019 via certified mail within 30 ( thirty ) days of their notice dated XX/XX/2019. 
First Credit Services Inc. ignored the certified mail and fraudulently placed their unverified account on my credit file on XX/XX/2019. 
First Credit Services Inc. is currently conducting fraudulent credit practices by updating information on my personal credit file without verification of data. First Credit Services Inc. has also been proven to be a fraudulent 3rd party collection agency that violates its alleged clients rights. First Credit Services Inc. is not an accredited company.

First Credit Services Inc. is NOT the HOLDER IN DUE COURSE and does NOT have a permissible purpose to contact ( NAME. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I took a online payday loan from XXXX XXXX XXXX on XX/XX/2017 in the amount of {$850.00} I paid this loan off in full. XXXX XXXX contacted me three days ago and advised me that National Credit Adjusters has added this to my credit file in the amount of {$1900.00}. I have every bank statement with every payment that was direct debt from my checking account. I paid {$360.00} XX/XX/2017 and XX/XX/2017 by direct debt. I paid {$360.00} on XX/XX/2017, XX/XX/2017 and XX/XX/2017 by in clearing check. I paid a total of {$1800.00} for this payday loan. I want this company to take this off of my credit file immediately. Please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The below info relates to CITI Bank ; Date : XX/XX/2019 * Issue : Credit Card Payment Allocation Methodology. 

- The bank is allocating the payment funds to the lowest APR segment instead of the highest APR segment so that they can maximize their profits. Further, the bank is not giving the option to the customer to decide where to allocate the payment funds ( which should go to the highest APR segment by default ) so that the customer is able to first liquidate the segment with the highest APR rate, and thus, save money on interest fees.

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 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I attempted to make a payment on my Barclaycard Aviator AAdvantage Mastercard on XX/XX/19 for {$860.00}. When arranging the payment from the Barclaycard website, I accidentally chose an old XXXX XXXX XXXX Checking account that I rarely use. My intent was to pay from another account from another bank. 

On XX/XX/19 the first attempt to process occurred with XXXX   XXXX XXXX causing an overdraft of my account by {$770.00}. XXXX XXXX XXXX then charged a fee for {$35.00} for insufficient funds. 

On XX/XX/19 Barclaycard charged me a {$28.00} return payment fee. Barclaycard then attempted to run the payment again resulting in another overdraft with XXXX XXXX XXXX and an additional {$35.00} fee for insufficient funds on XX/XX/19. 

XXXX XXXX XXXX did send an alert that I later found in my email, but Barclaycard sent me no notice whatsoever that they had attempted to charge the account and received a nonsufficient funds notice from XXXX XXXX XXXX. 

I have called both XXXX XXXX XXXX and Barclaycard to ask that these fees be reversed because the total value so far is {$98.00} for an honest mistake. This seems like an unfair and deceptive practice focused more running up fees than serving a customer.

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 2019-10-19 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: Conn's, Inc.
State: NY

Complaint narrative:
After I started to dispute this account. I started recieving threatening text messages stating if I do settle they will seek legal action. Also when I had my account with them and when I needed to make payment arrangements I was being charged for the payment arrangement. 
They have also sent me letters stating Iam preapproved for store credit trying to trick me into contacting them. The amount they are stating I owe is way more then the original amount. It has been almost 7 years since I opened up this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX  to raise my credit score. 
I now have a paid in full account as of XX/XX/2019 with XXXX XXXX. 
XXXX to update my credit score to higher!! 
Please send me proof this was done today -- my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: CA

Complaint narrative:
I had a charge on my account that I did not recognize for services I had not receive. I disputed the charge with my credit card company ( Chase ) and they credited my account. The same merchant attempted to charge my card again twice separately after a six month and a one year hiatus. The last billing was in XX/XX/2019. 

I asked Chase to resolve this once and for all, and block this merchant as this is a repeated pattern. Chase analyzed past records, and agreed to block the merchant and stop all future billing and rebilling from this merchant. This assurance ( of account being credited and final resolution of the dispute along with blocking of the merchant for all future transactions on my account ) was first provided to me over the phone with Chase dispute resolutions representative, XXXX on XX/XX/2019 at XXXX. 

XXXX followed up with me with a letter stating the same ( attached ) where it clearly states, " We blocked this merchant from charging the account, you shouldn't see charges from this merchant on your account in the future. '' To my surprise, the same merchant charge was rebilled to my account in my XX/XX/XXXX statement. When I contacted Chase they were unwilling to resolve this. I shared the letter I received with XXXX and XXXX at Chase. XXXX said that the letter states that " you shouldn't see charges from this merchant '' does not mean " you will not see charges from this merchant. '' I asked XXXX if he is stating this on record and he said that the line is recorded and he stands by his statement that Chase 's prior commitment to block the merchant and that there will no charges is incorrect ( and therefore the charges remain ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: ID Analytics, Inc.
State: NH

Complaint narrative:
On XX/XX/2019, I faxed SageStream LLC, a letter and provided required documents to have a Security Freeze put on my credit & consumer reports. I then sent via USPS certified mail, the same items, along with receipt of the fax being completed. 

On XX/XX/2019, I called and left a message - the message stated my call would be followed up within one business day. It was not. 

On XX/XX/2019, I called and left another message - the message stated the same " would be followed up within one business day. '' It again, was not. 

On XX/XX/2019, There appeared to be an online portal, which allows you to request to freeze your reports. ( which was not there previously, or if it existed, was well hidden ) I did this, and wrote another letter, which was faxed. 

I have provided copies of the Fax Sent receipts, along with a copy of the USPS Certified Mailing, showing the items were delivered. 

As of XX/XX/2019, no reports or required PIN has been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint against JP Morgan Chase - On XX/XX/XXXX, I opened an account with Chase however prior to having an ability to fund the account, it was closed on XX/XX/XXXX without notice. I found it odd and just took my business else where. 

However fast forward, my entire family open accounts two weeks ago with Chase without issues until today. 

On XX/XX/XXXX - Today I was told that I was not able to open an account with Chase due to an account closer on XX/XX/XXXX. When I questioned why was the account closed in XX/XX/XXXX and why am I restricted from Chase, they could not give me a answer why. 

Customer service said they would not have originally opened my account if was a credit issue and I never had a chance to fund the account. This leads me to believe I am being un-rightfully targeted for another reason. I would appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My name is XXXX XXXX and live at XXXX XXXX  XXXX XXXX # XXXX, XXXX, OH XXXX My cell # ( XXXX ) XXXX On XX/XX/1940 I was on line and notice that a {$10000.00} was withdraw from my PNC checking account which was sent to XXXX XXXXXXXX XXXX to pay off my account. I did not authorize this transaction. I was never notified that this was being done. Thinking there has to be some kind of mistake because I never authorization any funds to be paid to XXXX XXXX  XXXX. 
Matter of fact, I have bill pay when it's due to make the payment, I am the only one that can do that. 
I checked with PNC to find out why they sent funds to XXXX XXXXXXXX XXXX. 
I then found out that my bank had taken whatever funds I had in my checking account and sent it to XXXX XXXX XXXX in the amount of ( {$3700.00} ) - I could not believe that they did that without notifying me. They had no right. 
First of all, I have never missed a payment and besides that I have bill pay. The payment was not due. 
I was told that PNC put a on hold on my account and now unable to get any money from my account. 
I need help now, I have bills to pay, utilities, gas, insurance, doctors, etc. 
This has never happened to me. Once I get this taken of I will be changing banks What am I to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I'm being billed and reported for a charge from XXXX XXXX XXXX XXXX for a {$660.00} dollar bill for a person who was not my child. I've provided 3 written disputes directly to the collection agency and they have failed to adhere to FDCPA practices by acknowledging and responding to my direct dispute. I've called on 1 occasion, and was talked to with actual curse words and then hung up on.

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 2019-10-19 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: IN

Complaint narrative:
On Saturday XX/XX/2019 my friends and I attended the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX infield. I stood in line to buy drinks for the three of us, we elected to get two each. At {$10.00} each this would cost us {$60.00}. I gave them my card and when they swiped it, it gave them a working sign, I waited for 10 minutes so I could sign and tip them, but the process never completed. It was a blank screen with the spinning circle. I checked my account on my mobile app and it still had not approved. They said they were having internet issues and Id have to pay cash. I didnt have cash so we didnt get the drinks. A few days later, I found a {$69.00} charge on my account. The charge had completed and they added themselves a 15 % tip! I called Chase and gave them all of that information. They said theyd disputed it, gave me a credit. I didnt hear anything until today when I received a letter saying the claim was denied and they were taking my credit back. They explained that because they provided a signature visa sided with the merchant. I asked them to dispute again as fraud and they refused. They told me I had to work with the merchant directly or file a police report and pursue legal action since I was accusing them of fraud. I asked if they had a phone number for the merchant so I could call because I could not find anything by searching the merchants name and when I tried to call the venue, nobody answered. I never received anything for this transaction and I never signed anything. I feel like Ive gotten nowhere with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: MD

Complaint narrative:
This is my 3rd complaint, someone use my information to apply for credit cards. So I have inquiries that I didnt put there. The inquiries on these dates, XX/XX/19 ; XXXX XX/XX/19 & XXXX XX/XX/19 were all deleted from my XXXX bureau but inquiries XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 and XX/XX/19 remain. The inquiries XXXX XX/XX/19 & XXXX XX/XX/19 were deleted from my Equifax bureau but the inquiries XXXX XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 ; XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 ; XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 & XXXX XX/XX/19 was not. I reported all of them together. Im disputing these 10 inquiries that wasnt deleted on XX/XX/XXXX and I want them removed as soon as possible. Ive mailed 3 letters to each individual bureau and this is my 3rd complaint. I also would like to recieve all verification of all inquiries deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: FL

Complaint narrative:
I am a victim of Identity Theft through a data breach at XXXX XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes XXXX has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : XXXX & XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX   XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Information belongs to someone else

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