vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had been harassed by USAA for 8 months. They had been telling me that I was past due of about 83 days. I had been paying the car note on the XXXX XXXX every month from XX/XX/XXXX-XX/XX/XXXX but they kept saying that I owed them more. On XX/XX/XXXX, I paid them {$440.00} for XX/XX/XXXX and XX/XX/XXXX payments. I called them back in XX/XX/XXXX to make a payment of {$220.00} and they told me that my car was up for repossession and that I owed them about {$600.00}. On XX/XX/XXXX, USAA repossessed my XXXX XXXX and then sold it at an auction about a month and a half later. Then, they are still sending me statements in the mail stating that I owe them about {$2600.00}. When I first purchased the vehicle in XX/XX/XXXX, USAA sent me a check for about {$12000.00}. Then I went to a car dealership to purchase the XXXX XXXX and the dealership gave me a bill of sale. Also, I never got any copies of the contracts from USAA when I electronically signed the documents online when they allowed me to borrow the money. My credit score was about XXXX then when they repossessed it, my credit score dropped all the way in the XXXX. I ca n't get any more credit because of them. USAA is not for us Military Veterans. They are a major rip-off. Something needs to be done about this ASAP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I recently applied for an American Express Blue Cash Everyday Card and requested a balance transfer of {$4000.00}. The terms of the balance transfer were 0 % interest for 12 months ( my expiration is XX/XX/XXXX ) and 3 % balance transfer fee ( {$120.00} for my requested transaction ). The balance transfer request was made on XX/XX/XXXX, yet the request was not approved until XX/XX/XXXX and processed until XX/XX/XXXX. In the meantime, I was charged {$52.00} interest from the original credit card company while I waited for the transaction to be approved and processed. When the balance was transferred to XXXX, the balance was transferred into an interest-incurring sub-account and I was charged {$41.00} on my first account statement. I called XXXX to remedy this issue and was told it would be corrected quickly. I had to call two more times over the next week to get resolution. The account was credited on XX/XX/XXXX ; however, since I had made purchases and payments on the account, XXXX moved {$2700.00} of the {$4000.00} balance transfer to the 0 % interest sub-account, essentially applying payments for my purchases to the balance transfer while leaving the purchases ( which are charged at a rate of 16.99 % ) available to have interest charges applied. The payments I made to the card exceeded the new purchases I made on the account. I called XXXX again twice since the XX/XX/XXXX adjustments and I have hit a brick wall. While the customer service team is polite, they do not have a solution to this issue provided in their script. I have not been able to speak with a supervisor nor locate an internal customer complaint format. In my frustration over this situation, I did some research and located several message boards where numerous people had the exact same complaint. As an Internal Auditor for a financial services company, I see this as a systemic issue and I see XXXX heading for a " XXXX XXXX '' -esque compliance and regulatory nightmare. The company MUST be aware of the issue, yet has not taken the necessary steps to remediate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. In doing so, I have mailed them two times with my credit card, ssi, driver license and legal name change order from the state of Maryland. 

You guys have denied me twice. Youre being a real pain and I do not like you causing me a pain and need you to meet my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I have sent two letters to Chexsystems asking for validation of an account that I believe is fraudulent. They have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. I requested a copy of any documents provided by XXXX XXXX bearing a signature showing that I have a legal binding contractual obligation to pay as is my right per the FCRA. They are in non compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XXXX, I was supposed to have my paycheck direct deposited to my Navy FCU account ( checking ). My online account snapshot stated I had {$0.00} in Checking and {$0.00} in Savings. No other accounts were mentioned. On XX/XX/XXXX, I logged in to my account and it showed my direct deposit scheduled to hit the account. I called Navy Federal 2 ( twice ) times to ensure my funds would be available at midnight on XX/XX/XXXX. Both Representatives I spoke with, stated, " they would be available from XXXX on XX/XX/XXXX ''. When I logged on to my Navy Federal Checking Account at approximately XXXX on XX/XX/XXXX, my account showed I had a balance of {$0.00}. Upon further investigation, my account stated that my ENTIRE direct deposit was transferred to a credit card. I called Navy Federal and they stated I had an unpaid credit card debt and the ENTIRE amount was used for " collection purposes ''. None of this information was given to me and I feel was mislead. I am a single Mom who had bills scheduled to be paid from my Navy Federal Account which is causing hardship on my life and that of my child. I have not had any garnishments from my pay or any Court papers stating that I owed money. I feel like I was fraudulently mislead and lied to by my Credit Union who took my entire paycheck from me from debt I have not been given information about and that was n't apparent on my online account. I have screenshots if needed!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
My Gap account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXXwith them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact Gap today XXXX and was transferred to SyncB. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my Gap tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX  and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that GAP is providing them. SyncB is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to perform two transfers from my XXXX checking account to an account that I have at Chase bank using the XXXX web site and their " XXXX '' transfer feature. The money did not arrive in my Chase bank account. XXXX confirmed that the transfer was completed and provided an ACH number for each transfer. But they could not verify the destination account number or routing number for the transfers to help me track it with Chase bank. And they said they were phasing out " XXXX ''. Chase bank said they could not find any record of the transfers being received in their accounts -- and I provided them with the ACH numbers from XXXX. I suspect that the destination account number or routing number was incorrectly entered by me on the web site, and I also had to provide an email address. XXXX clearly did not verify the target account name before completing the transfer. Chase bank accepted the funds without confirming the destination account. I have spent hours on the phone and in the office of both banks over the last few months. Both banks have performed investigations which seem to amount to the same info -- an ACH number and no confirmation of receipt of funds. Neither claims to be able to help me, and neither will talk to each other to coordinate an investigation. I have no way to tell which bank is not able to trace the ACH properly. Transfer # 1 - XX/XX/XXXX - {$1000.00} Transfer # 2 - XXXX/XXXX/XXXX - {$1000.00} Name on destination account, account number, ACH numbers, and XXXX transaction IDs furnished upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I made a purchase with my Chase Card online at Amazon. Although I used my reward points for this purchase, and points were deducted from my point bank, I was ALSO CHARGED the amount ( {$22.00} ). 

On XX/XX/XXXX this happened again. I used reward points to pay for three items totaling {$100.00}, and used {$27.00} worth of reward points toward the total. However, although the points were deducted and shown as being 'used ', they were not in fact applied to the purchase. 

The company ( Chase card services ) reimbursed the {$22.00} from the XXXX complaint. I am waiting for the paperwork for the second complaint. 

I am concerned that XXXX is defrauding its customers who are n't diligently checking their Amazon.com bills. The Amazon.com bills are PAINFULLY difficult to reconcile with purchases and Chase and Amazon are taking advantage of this to defraud customers of the money they 've earned through reward points. 

Amazon should also be forced to include a description of what you purchased on their bill. Every transaction is labelled the same and even though you might buy three items at once, they show up on your bill as three individual items, often on different dates of purchase. This makes reconciling your monthly bill a nightmare and makes it more difficult to spot errors, like the failure of points to be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Several letters have been sent to Wells Fargo ( WFDS ) asking them to verify the inquiry that was placed on my credit back on XXXX/XXXX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
Wells Fargo ( WFDS ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. Wells Fargo response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XXXX 2011 Wells Fargo foreclosed on my home the address was XXXX XXXX XXXX, XXXX, AL. I had applied for a mortgage modification and was told to not pay my mortgage for the next three months. I called month after month for 11 months I was told during that time to continue not paying my mortgage. After 11 months they declined my application because they said I failed to sign a certain page. I asked to be able to sign the page. They refuse to allow me to. And foreclosed on my home. I would have thought it but just the month before my son had passed away and I was not of a mind to do so. I lost all the investments I had made in that home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This issue with Bank of America and XXXX. 

On XX/XX/XXXX and XX/XX/XXXX transactions were made in error via XXXX to the wrong person. 

BOA and XXXX were contacted on XX/XX/XXXX about the error. Both pointed at each other about how to resolve. On XX/XX/XXXXspoke with an agent in the Move Money Dept of Bank of America. Who provided me a claim # and stated it would take 10 days to investigate. On multiple occasions, I have contacted the bank of the error and no one has a process to rectified a human error. I received confirmation today that they are closing the claim and not issuing my funds back into my account. I have email confirmation that this was done in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX and Transunion now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: MN

Complaint narrative:
My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with Equifax as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on Equifax and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, an unauthorized and/or fraudulent credit hard inquiry was listed by TransUnion as made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. On or about XX/XX/XXXX, I DID NOT apply for any type of credit with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I never received any sort of communication from this creditor ( approval letter and/or denial letter ). This is an unauthorized and/or fraudulent inquiry and therefore this inquiry must be deleted immediately. Every attempt was made directly with this creditor to get this inquiry deleted from their system as well as from the credit bureau. Therefore, TransUnion must now process this complaint INTERNALLY and IMMEDIATELY and then DELETE this unauthorized and fraudulent inquiry IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I called Navient in order to apply for a income based deferment on the loans that they are servicing. While on the phone I inquired about the Public Service Forgiveness programs offered by the government. The agent on the line started asking me a serious of verification questions and the next thing I know I am getting an email stating that my FSA ID password had been reset. As things continued she then informed that there is a {$690.00} fee to enter into the program. Which I know to not be true as the program is free to enter for those that qualify. The agent had told me she was checking in the Fed database to see what my loan amounts were and what my payments in that program would be, but she never told me that she was resetting my actual account password so that she could enter my account. Now she continues to call me at all hours of the day trying to get me to apply for he program through Navient.

Company response to consumer: Closed with explanation