vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I utilized an " Promo Offer Check '' issued by cardmember services for my Visa Credit Card. 

The Check offered a 0 % APR until XXXX of XXXX with a transaction fee. 

There is nothing in the " fine print '' that indicates all business will be charged interest on the lowest interest rate balances first. I used the promo check to make a large purchase. All regular monthly purchases are paid in full each month. 
I made a large payment to cover all regular purchases in addition to applying a portion to my promotional balance. The credit card company applied my entire payment to the promotional balance and charged me interest on the remaining balance. 
I complained that I was duped by a " bait '' promo. Not only did the company get fees from me for the large purchase, but they are charging me interest. 
They said the only way to avoid interest is to not use the card from here on out ( since I always pay my regular balance off in full every month ) and they will eliminate interest fees. 

I can't imagine that I am the only one this has happened to. The credit card representatives could not locate the wording on the promo that would indicate my payments would all go toward the promotional balance and interest applied to the remaining charges. This lack of disclosure is fraud!

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 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited a check for an amount of {$XXXX} at a USAA ATM machine in XXXX. When I deposited the check only a portion of my check was made available. I immediately called USAA to understand when the funds would be released. The USAA representative expressed that the full amount would be available the morning on XX/XX/XXXX. That next day my account indicated that I had an available balance of $ XXXX in my account. I went on to make payments and my debit card went through on all occasions. Later that day I went on the app and noticed that there was still a hold balance on {$XXXX}. However, my available balance still read that I had $ XXXX available. I called USAA and another rep stated that the check was being held until XX/XX/XXXX which went against what I was originally told. I was irate as this negatively impacts my finances as we are approaching XXXX and the holiday season. I have travel plans arranged and now am unable to follow through with those plans. They indicated that they could not make an exception and that it would be escalated to an advocacy group which will take up to XXXX business days. Given that is a Friday it would not be until next week. Now my account is in negative standing and I have XXXX access to funds and unable to celebrate the holidays with my family. I paid a large bill using another account thinking that the check would clear and am now stuck with {$XXXX} going into the holidays based on FALSE information by a USAA representative.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I applied to for a reduced payment based on the fact that I no longer have a job and am doing independent contractor work. I uploaded the documentation they asked for and it was ignored. They claimed that my application was blank but they processed it anyway. When I called after to find out why the amount was still the same after the approval I was told that my documentation was not acceptable but prior to me calling, there was no documentation stating that my documentation was not acceptable. They simply ignored it and used my income from the prior year. I spoke to XXXX XXXX who confirmed this information on XX/XX/2019 at XXXX and was on the phone with them being transferred for about 50 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XX/XX/2019, I attempted to use my card and it was declined. Knowing that my payroll check was recently deposited, I attempted to check my card balance and could not access American Express Serve website. I tried calling and couldn't reach anyone. I tried to access the mobile app and the app said it was down. I went online to investigate the problem and discovered that AMEX Serve is down without an " ETA '' of when the problem will be fixed. 

This is the second time in a year that this has happened. Also, an incident like this occurred last year as well. I can not access my money. I'm in urgent need of access to my money. My son is stranded in XXXX and I need to make arrangements to get him home for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have been trying to check my account on the Serve App and the American Express website but the same message has been displayed since XXXX am and its going on XXXX pm now. I have called and spoke to 2 representatives, the first one told me that it wasnt a breach and that it would be resolved in 2-3 hours and the second person told me 3-4 hours. I received a direct deposit today ( well at least I think I did because I have no way of checking ) and Im trying to withdraw money but its saying insufficient funds. Todays date is XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I canceled a payment ( XXXX {$XXXX} ) with a merchant. Called PayPal and was told funds would be returned in 3-5 days. Money has not been returned after time period, after calling was told 5-7 days. Im starting to feel Im getting the run-around. Was put on hold forever for the dispute department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
In XX/XX/2018 American Express failed to collect my online payment for my account. I have just learned of this since I am applying for a mortgage and this is negatively affecting my credit score. 

I spent over an hour on the phone with different representatives trying to get this cleared up and I was provided inconsistent information by three different representatives. 

The first told me they didn't have data going back that far to check, the second told me that they did in fact have the data and that the data was correct and the third told me that the only way for me to escalate my complaint was to send a letter to Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
QuickenLoans called me about a refinance offer to reduce intetest rate. So i listened and i was a little interested so i started process. It got kinda of confusing with all the different people that called me through the process. When it started they told me that i would need {$500.00} at closing. Then i got a call and they told me i would i need a {$1000.00} at closing. I said whoa wait a minute, i was told {$500.00} and now you tell me a {$1000.00}. So i told them i didnt want to complete the closing. I was told at very begining that anytime before closing, i could change my mind and not close. So i get another call from quicken stating that the {$1000.00} was a mistake and i may only have to come up with {$50.00} so i said well that sounds a lot better. I get another call stating it would be {$300.00}. So i said well i could maybe scrape up that. So i was told to go on website and choose a closing date. They only gave two options which was right before Christmas and between paydays. So i left them a message stating that i could close on XX/XX/XXXX if i dont have to have money at closing, they flat out told me NO so i said ok im done. I do not want to do this refinance. Since then i have got like 10 phone calls in about 2 days. I messaged them and said im done, dont call me anymore. They just keep calling and i have been ignoring the calls but they wont stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$

870.00}, {$83.00}, {$1800.00}. I am a victim of Identity theft, and I did not
make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Respondeat Superior is a doctrine that a party is responsible for ( has vicarious liability for ) acts of their agents. TRANSUNION, XXXX, and XXXX each are credit reporting bureaus. XXXX XXXX XXXX and, US DEPT OF EDUCATION, for example, might furnish a credit bureau with consumer information. In this instance, both has provided them with inaccurate or fraudulent collections information : ( 1 ) XXXX  XXXX  XXXX  asserted ownership over a purported debt related to the previously closed automotive loan. But these assertions of a supposed " deficiency '' are barred under California 's anti-deficiency statute, Cal. Civ. Proc. Code 580d. 

( 2 ) US DEPT OF EDUCATION makes the contention of many student loan debts totaling more than {$19000.00} that are reportedly due in connection with complainants alleged attendance at XXXX college. 

The Fair Credit Reporting Act ( " FCRA '' ) is a federal statute.

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I live in Virginia, USA and make a reservation online on XX/XX/19. I paid {$1500.00} ( US dollars ) for 2 Airline tickets at XXXX -a company based in NY, USA with my Bank of America Mastercard . I was surprised that My Bank of america credit card charged {$23.00} twice as FOREIGN TRANSACTION FEES. I called Bank of america, they said these fees are automatically from XXXX because is a foreign company. I called back XXXX, they said the company is based in USA, they charged in US DOLLARS a total of {$1500.00} ( which is correct ) and they dont charge foreign transaction fees. So, what Im asking is to cancel these charges from my credit card. I called Bank of america and they said they can not do it nothing about it. I dont think is fair because, I paid in US dollars here in USA for a company that is based here. Please help.

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 2019-12-20 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: OH

Complaint narrative:
I FILED A DISPUTE WITH TRANSUNION ABOUT SEVERAL ACCOUNTS LISTED ON MY TRANSUNION TRADELINES. I DISPUTED THE FOLLOWING ACCOUNTS : XXXX XXXX, XXXX   XXXX XXXX XXXXI, AND XXXX XXXX. I CONTACTED THESE COMPANIES AND THE REPRESENTATIVES STATED THAT THRY DIDNT HAVE AN ACCOUNT THERE LISTED FOR ME AND REFERRED ME TO DIFFERENT COMPANIES TO CALL. PER THE FCRA, IF THE COMPANIES DONT OWN THE ACCOUNTS THEN THEY SHOULD NOT BE LISTED ON MY TRADELINES. TRANSUION STATED THEY VERIFIED THE ACCOUNTS, BUT THERE IA NO WAY THESE ACCOUNTS COULS HAVE BEEN VERIFIED ACCURATELY IF THE COMPANIES DONT OWN THESE ACCOUNTS.

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 2019-12-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX has their credit card issued through Synchrony bank and this company has been notorious in not crediting back charges which were made for undelivered items abd then tacking on late fees and finance charges for a whole year to report it to the credit reporting agency despite my calls to dispute the amount since XXXX of XXXX, XX/XX/XXXX when i was assured that the credit would show up on the next statement and it never did. I spoke to them again in XXXX wherein I made a payment for items that got delivered but again I was told that the credit had not been applied from the prior dispute and that they would take care of it in XXXX. Months went by and in XXXX i started receiving collections calls but this was incorrect since the account was supposed to have been credited to bring it to XXXX  balance. I disputed again with synchrony and the collections three times and NOT once did they send me any information regarding the resolution of the dispute. Why should i be penalized for their nondelivery of service. This bank is shady as they say they will investigate and never do, instead they pile on charges and report to ghe credit bureau - they are still dogging me for collections when I have written to them, disputed every single time. I disputed it with XXXX but nothing came of it. Hence this complaint.

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 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Firstly, there is no such thing as Customer Service with this company PHH or its predecessor OCWEN. They are both companies which do not care one bit about their customers. They do not do as directed. They do not answer calls in a timely fashion ( if at all ). One waits on hold listening to the same deplorable messages to finally get someone in XXXX or the XXXX who know nothing and promise you everything ... ... very cordially. 

I asked that money be forwarded to my principal ... ... I wish to pay down the principal ... ... this is always ignored and they apply it to my mortgage even though I clearly state and write in the check memo line that I wish the extra amount go to principal. 

The business is probably 'machine ' driven and one can not get a human being to do what is requested. The agent XXXX in the XXXX ( XXXX ) promised me this would be corrected. He promised me he would call to say it was satisfactorily completed. He did not. I sent this check in XXXX and am so done with your company. I am not dealing with you anymore and will count on the oversight agency of the CFPB to deal with you. You are inept. 

Secondly, I tried dozens of times literally to call the number on your glossy " COME ON AD '' contained in my monthly statement to inquire about a refinance ... ... HOURS ON SPEAKER AND WAITING ... ... ..NEVER did anyone come on the line ... ... .you are SCAMMERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX   XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

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