vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This is an update to XXXX-XXXX  about USAA and XXXX-XXXX about USAA. 

The company ( usaa ) never gave it back as ordered by the president and ceo ( XXXX ) XXXX XXXX, or the XXXX ( XXXX ) that never belonged to them. 

Attached is a current update if the account ledger. They shuffled numbers around and erased and added some new stuff either way it is fraudulent and they still owe me the funds as reported to you. This is an update of the reports on USAA the two instances where they owe me XXXX. And later XXXX. 


It was never given back to me even after I was emailed and called and told that it would be given back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: MA

Complaint narrative:
I have been trying to consolidate my two student loans with the Department of Education, so that I can place the one student loan in deferment and attend college for an accelerated XXXX  program with a local university in the field of XXXX XXXX. I have not had any luck getting the Department of Education to understand my long term plans. A XXXX degree will essentially double my income, and at the age of XXXX I believe that now is the time to move forward. Therefore, I would appreciate the proper direction to get the consolidation of both loans structured by the US Department of Education, and the federal agency can communicate with me by email to expedite the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2018, a fraudulent chase quickpay payment for roughly {$780.00} was attempted which caused Chase Bank to automatically freeze my account. I went into the branch the next day and transferred everything over to a new checking account. While I was there they noticed another fraudulent quickpay payment went through my " frozen '' account for {$780.00} ( almost exactly the same amount as the charge that originally froze my account ). I submitted a dispute and over a month later Chase responded by stating that the charge was authorized and that the money will be removed from my account. 

I immediately phoned the Chase claims department and talked to two different representatives who stated there is nothing that I can do as it was deemed an authorized charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
This is a 2nd complaint to a previous complaint # XXXX-XXXX  I made with you guys.. We had 3 forgery checks that the bank said could take up to 90 days.. The original fraud claims made on XX/XX/14 it is now XX/XX/14 and our fraudulent checks funds have not been returned 4 months later.!! This is absurd, they are insured for this, and we still don't have our money back!

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 2019-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
Prestige claims to be a second chance loan offering. They aren't. They take advantage of people with incredibly high interest rate loans that they tack fees upon fees on to the note. They offer to help but they really seem to want to hurt people more than anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently checked my XXXX  Report. The credit report showed a credit inquiry by US BANK ( DATE : XX/XX/2019 ) that I did not recall authorizing. I am a victim of identity theft. Please help me to resolve this problem

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 2019-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
We had hail damage in our roof last year. We opened a claim with the insurance company who approved it and released the funds right after the job was done in late XXXX. We tried to get the check deposited but because of the amount, our mortgage company required contract/bid/tax documents, etc from our contractor. We provided everything and after several phone calls back and forth they finally released a part of the funds. The total cost of the project was XXXX XXXX and they sent us a check for XXXX in XXXX. They still have {$6500.00} to release to us, but that is pending inspection. Since early XXXX I've been contacting them weekly ( lately almost every day ) to get the inspection scheduled. They assigned me an inspector, who contacted us on XX/XX/18 and left a message to call him and schedule the inspection. After 3 attempts without being able to get a hold of him, his phone number got disconnected ( XXXX XXXX XXXX ). Then I called again the mortgage company to explain what happened. They said they would assign another inspector. I have not heard anything back from anyone and every time I contact the mortgage company, they say they've escalated and someone will contact me soon. They refuse to give me an email, so I can have written documentation of this mess or to give me the inspector 's phone nr. I am losing my patience with this company that won't give me any answers or my money back. We have our mortgage through XXXX XXXX XXXX and the division that works with the claims is 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 2019-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
Called company and was polite wth them about their interest loan of 129.97 % and asked them how they could charge me that, which I believe is illegal in NJ to charge on a dog I had finance in XXXX nj.m, at XXXX XXXX  which use XXXX  as their company to finance pets. They guy said it is not illegal to charge me that and wouldnt do anything for me, even if I made all my payments on time and never late. The dog would be payed off already but the interest rate is 129.97 % Im not understanding how that is even possible and I feel like Im being scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: OH

Complaint narrative:
I was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, XXXX XXXX XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I was asked to vacate my apartment in XX/XX/2015 at XXXX XXXX at XXXX XXXX because the apartment manager allegedly found items in my apartment that went against the terms of the lease. I was never made aware of what those items were, not was i ever showed the pictures that the apartment manager claimed they took inside of my apartment. All of this was a result of my apartment being burglarized while I was home. I asked to move to a different building for my safety, two managers walked through the apartment with me and I passed an inspection to move out. After that, I was told they did an additional walk through and when asked what was found in my apartment that was causing me to be kicked out of my home, I was told you know whats in your apartment. After vacating the apartment I received a bill with a charge for early termination of lease for approx. {$2000.00}. But I DID NOT TERMINATE MY LEASE. I was asked to vacate within about two weeks for a reason that was never made aware to me. Because of this, I can not get a home of any kind with this amount on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: KY

Complaint narrative:
I AM SO SICK OF THIS COMPANY THEY KEEP CLOSING MY ACCOUNT WHEN ALL OF MY MONEY GOES TO THE ACCOUNT AND THEN IM STUCK WITH NO MONEY, NO WAY TO EAT, NO WAY TO FEED MY KIDS, NO WAY TO PUT GAS IN MY CAR OR ANYTHING AND THEY THINK THAT'S OK. THEY NEED TO BE SHUT DOWN IMMEDIATELY THEY HAVE DONE THIS TO ME ABOUT 6 TIMES AND NEVER TRY TO FIX THEIR ISSUE. THEN YOU SELECT THE ENGLISH OPTION AND NEVER GET ANYONE THAT SPEAKS ENGLISH, JUST SOMEONE REPEATING THE SAME THING OVER AND OVER AGAIN ABOUT HOW THEY'RE SORRY AND CAN'T FIX IT WHEN THEY CAN FIX IT BECAUSE THEY HAVE DONE IT BEFORE. THEY DON'T EVEN ASK YOU IF YOU WANT YOUR ACCOUNT CLOSED, THEY JUST CLOSE IT WITHOUT YOUR PERMISSION AND THINK SOMEONE WITH NO FUNDS ON HAND IS SUPPOSED TO WAIT 7-10 DAYS FOR THEM TO SEND ANOTHER CARD I DON'T XXXX THINK SO.

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 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I received a notice dated XX/XX/XXXX that my credit line was being reduced by {$5000.00}, from {$6000.00} to {$1000.00}. I have had this account for almost 6 years, and my credit report has no delinquencies, collections, nor have I had any serious issue making payment on this account when due. I've been paying this and other bankcards in full, I own 3 properties, and the only accounts, including this account, with balances are 0 % promotional balances.

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 2019-01-14 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: NC

Complaint narrative:
I have being going back and forth with the three major credit bureau Transunion, XXXX  and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from 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 2019-01-14 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/2018 I lost my wallet with all my credit cards i have contacted all my credit cards to cancel them but some of them had fraudulent charges already all but one has given me temporary credit and told me not to worry about making payments on a disputed amount until the investigation is complete in which normally no payment would be due since it was fraud. BBVA compass told me to make payments till they resolve the claim which they say will take 90 to 180 days because they are under staffed. Why should I be paying on a disputed amount if I didn't make the charges. They also sent a report to the credit bureau that I have a balance on my card and a payment is due this lowers my credit score this company does not protect the consumer in any which way. They shouldn't be in business if they don't have the staff to work on behalf of their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I am writing this complaint because I previously had an XXXX XXXX credit card. I mailed in my payment in full to XXXX XXXX in 2017 and a week later I received a letter from XXXX XXXX saying I owe the debt but I informed them that I had mailed the amount owed to XXXX. They told me I needed to call them because XXXX never received a payment from them. I immediately called XXXX and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called XXXX again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX had gotten a partial payment from them ). XXXX said they would look into the matter but no one ever called me back. After going back and forth with XXXX I just paid the remaining balance and filed a complaint with CFPB to have XXXX removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that XXXX was working to recall it from my credit. This debt has been paid in full and I would like XXXX removed from my credit report because they stated they were going to recall it to XXXX XXXX  and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. I havent heard anything else from them and would like this resolved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I went into XXXX XXXX in hopes of purchasing a cocker spaniel. I could not afford the price they were charging so they offered to finance the dog. I filed the paperwork for the loan using their in house lending agent. After filing the paperwork and reviewing it I found that I am being charged 151.97 % which is five times the legal limit of 30 % that can be charged in New Jersey as per Section 2C:21-19 - Wrongful credit practices and related offenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient is consistently misapplying my payments. I make an overpayment each month to my loans. I always select to be billed in full for my next monthly payment rather than having my payment due date advanced. On more than one occasion, my payment due date has been advanced despite my request not for that to occur. My default profile setting even says how to apply my overpayment. 

I have my student loans set on automatic payment. I would not have caught these misallocation if I didnt check my statement on a monthly basis. Who knows how many consumers are being taken advantage of this unethical organization. I have to call in each time to get this corrected. Most recently, the representative would not give me a reference or ticket number for the correction. 

My payment due date was advanced on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is just within the past year. It should not have been advanced and I should have been billed monthly. By advancing my payment due date, my overpayments are not being applied strictly to principal. This allows Navient to charge me more interest since my principal is not decreasing accordingly. This is illegal and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing this complaint with concerns of fraudulent addresses that appear on my credit report that I have never lived at. It is possible that it might be a relative sharing a old address not mines. Please remove delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
My records associated with the account XXXX XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX XXXX but I did not receive what I asked and these violations persist on my credit report. I already reached out to the credit bureaus and to XXXX XXXX for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I previously spoke with XXXX in Loss/Lig and believed we were being provided the opportunity to get payments caught up. However, on XX/XX/2019 I called to inquiry of my options while a government shutdown is in affect. I am a federal government employee and was told their are not any options or special circumstances offered and if I were to get a forbearance it would affect our credit. Why would a circumstance for which we do not have any control over impact us this way? I was told that while in forbearance or payment arrangements this will still be reported as delinquent. Why? Shouldn't these options protect the account and the payment agreed upon is being made? Why would this be or is it just this type of mortgage company? We were told that mortgage companies would work with us, but I see this is not the case. Please explain why.

Company response to consumer: Closed with explanation