vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
I made a purchase online at XXXX on XX/XX/18 and the merchants website glitched and charged 11 duplicates for the same product. I immediately emailed the company after I noticed all the charges in my bank app asking them to cancel the duplicates. They refused and said all sales are final and I couldnt receive a refund. I then called my bank USAA to dispute the charges and they issued temporary credits, looked into the transaction and agreed it was a glitch and said I wouldnt be responsible. A month later I got a notice from my bank that they were starting an investigation. USAA asked me to contact XXXX and ask for a refund again. The merchant didnt answer for a couple weeks and when they finally reached back to me they said they only received 6 chargebacks. They supplied me with a label and I shipped 6 of the products back on XX/XX/18 and they received them on XX/XX/18 and told me they accepted the chargeback. When I got back in contact with a dispute rep from USAA they told me to ask about the remaining orders. I then started getting emails saying the disputed cases did not end in my favor and were being closed and the initial temporary credits started reversing and I still didnt have the refund from the 6 accepted chargebacks. I called back to the dispute rep and she said it shouldnt be closed so she reopened the case and said she would contact the back office dispute team to stop the credits from reversing, look into the missing chargeback refunds, and contact the merchant XXXX for me since they were now ignoring my emails. We spoke last on XX/XX/18 and she said she would contact me again in a couple days. Since then all of the credits reversed totaling {$2300.00} out of my checking account, Ive called her extension every day for the past week and a half and havent gotten an answer even after leaving messages. I emailed XXXX and they confirmed the chargebacks were accepted and they said theyve done all they can and its up to my bank to finish the chargeback. Im now in a back and forth and Ive talked to 5 different reps at USAA at different levels who can only seem to make notes to my account and tell me to keep trying to call my assigned dispute rep or contact the merchant. No one can give me an answer on my chargeback status or when or even if I will receive my money back. My dispute rep started out great but has disappeared for 2 weeks now and seems to be ignoring/avoiding me. Ive been dealing with this for nearly 3 months now, product was shipped back a month and a half ago and accepted, and plenty of proof and all requested documents have been submitted to USAA. I dont know what else to do and I desperately need this money to pay my bills immediately. I authorized 1 purchase, not 12. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I was behind in payments and contacted ocwen for a payment plan. That plan they offered me was {$1200.00} a month for a {$500.00} a mo th mortgage. I asked what else can we do and ocwen told me a modification so I filed for that on XX/XX/XXXX. On XX/XX/XXXX I was told by ocwen the modification was held up by fha so let 's just do repayment and I said fine let 's just get mortgage current. Then I called ocwen on XX/XX/XXXX to confirm I can pay the 1st payment of payment plan on XX/XX/XXXX and ocwen had no idea what o was talking about and said I must apply for repayment plan. Ocwen reps are rude and not helpful and each rep lies. I am 3 months farther behind because ocwen can't figure out the repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.

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 2018-09-26 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: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.

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
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hello, In XXXX XXXX and American Express ' response they noted that I called in on XX/XX/XXXX, and represented myself as my father ( customer ). Here I made a call to XXXX XXXX and made a {$990.00} payment for my father 's account ( co # XXXX ). I clearly remember identifying myself as junior, and never once stated that this was my loan ; I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX called back again on XX/XX/XXXX and again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018, at XXXX XXXX. I went to Bank of America at XXXX XXXX  XXXX, XXXX, Texas XXXX, and tried to use the Virtual Teller. The teller came on the screen and advised me to put my Drivers license on the screen. Next he advised me to insert the check I wanted to cash for {$1400.00} thru the ATM window. Within minutes the teller told me the check was stuck in the ATM machine, and could not be retrieved. I would have to file a claim with the bank. I am not an account holder of Bank of America, and have been trying for 2 weeks to either get my money or get my original check back. The teller gave me a receipt for the transaction, and I called the Claim department and filed a claim. I have been told something different everyday by this Claim department, including they do not balance the ATM machine everyday, and this process could take 45 days. I am not willing to wait this long on their error. I have written letters, and faxed a complaint to their Corporate Office, to no avail. 

Bank of America XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, Texas XXXX XXXX available anytime

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
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had talk to someone on XXXX and they had removed it off and they also send me a letter

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 2018-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
As of two weeks ago XXXX is threatening to garnish my wages. I told them as well as showed them photos that I was XXXX XXXX XXXX XXXX XXXX   and have been in the hospital for two weeks now and that Ill be on XXXX for six weeks once I get released from hospital. I told them that if they were to garnish my wages I would not be able to pay for my prescriptions or for my place to live. They keep asking me if I could give them some form of payment no matter how many times I told them thats its impossible at the moment and they still kept asking me about some form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: AR

Complaint narrative:
Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX. 

Which I find it extremely difficult if not impossible. Because I have a security freeze on my XXXX account dated XX/XX/2018. But assuming you managed to get my credit report from XXXX which is a direct violation of the FCRA then, XXXX does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2018 at XXXX I spoke to the customer service department for my Walmart Credit Card which is funded by Synchrony bank. I informed the representative that I was not happy with my credit card account and I felt that something unfair was going on with the card because I have not used the card in several billing cycles and I also make payments that are over the minimum amount requested.I noticed that in spite of not using the card in several billing cycles and making more than the minimum payment the available credit on the card is not increasing with each posted payment but actually decreasing. I explained to the rep that I have really good payment history and that I don't feel this is fair to do to me and to please see if their is something she can do with the APR to help me out so when I actually pay my bill I should have available credit to use. Their rep responded with " We don't help out anyone with their interest rate '' " It just takes time to pay off '' That seriously is the dumbest answer and biggest lie that I have ever heard. None of my other accounts with other institutions do this. I feel the company is basically stealing from me.

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 2018-09-27 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: Nelnet, Inc.
State: MD

Complaint narrative:
A long story short, when I entered university at the age of XXXX, financing school was difficult because I was a minor. My parents participated in the a program prior to me graduating high school to front the cost but still needed to take out a Parent Plus loan. All other schooling was for paid out of pocket. Never did I physically sign a document at XXXX binding myself to a loan, mainly because that is illegal. Last XXXX, I ran across an email from Nelnet stating my student loans were kicking in. Honestly, never took out a loan and thought it was a scam. I ended up contacting the company on multiple occasions to discuss this discrepancy. I not only reached out to Nelnet but I also contacted XXXX XXXX XXXX. I spoke to a handful of people and requested a mater promissory note from both institutions. Nelnet finally sent me the note via emails on XX/XX/XXXX. I am still waiting for documentation from XXXX XXXX. Even with the documentation, I was under the age when the loan was taken out in my name. It should not be in my name and it should not show up on the credit report at all since the institutions were difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
In answering CFPB Complaint XXXX on XX/XX/2018, XXXX XXXX stated that " they had updated the disputed status of the account and suspended collection efforts in their office. '' On XX/XX/2018, XXXX XXXX broke their agreement and initiated collection efforts once again on a time barred debt. 

Not only does this company not comply with the laws of the FCRA and what they report to the Credit Reporting Agencies ( CRAs ) but they break their agreements with the CFPB.

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 2018-09-27 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Re : CFPB # XXXX Dated : XX/XX/2018 Report # XXXX Dated : XX/XX/18 You stated that you obtained my information from XXXX. Which I find it extremely difficult if not impossible. Because I have a security freeze on my XXXX account dated XX/XX/2018. But assuming you managed to get my credit report from XXXX which is a direct violation of the FCRA then, XXXX does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.

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 2018-09-27 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: LEXISNEXIS
State: AR

Complaint narrative:
Re : CFPB Case # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I requested SCRA benefits for my Citi Platinum account that I acquired before I joined XXXX XXXX on XXXX XX/XX/XXXX. I acquired this account in XXXX with a credit limit of {$2000.00}. I was told that my benefits were approved but because the card was charged off, there were no adjustments made. The date the card was charged off was XX/XX/XXXX. Payments were still being made to the account and the last documented payment of {$140.00} was made on XX/XX/XXXX ( verified by the customer service representative today XXXX XX/XX/XXXX ) which put my account at a {$0.00} balance. They could not tell me the amount of the charge-off because of the account being closed but assured me that I had a {$0.00} balance. When I asked the SCRA department how did they get this information as I was expecting an adjustment ( interest rate was 28.99 % ) with the account being at a {$0.00} balance since XXXX, they said that they went by my statements. I ask about that because I was told they could not retrieve the statements so how could they verify that an adjustment would not be made to my account. I have tried to call customer service multiple times over the past month ( I have a copy of phone to show the amount of calls ) about obtaining my statements and called today to acquire my statements since that is what I was told by the SCRA unit was used to make a determination to be told that because the account is closed that they could only provided me with a {$0.00} balance statement and they do not have the statements to provide me.

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 2018-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
The borrower was told he only qualified for FHA lending rather than conventional due to credit and DTI. In which the brokers or underwriter ignored a {$15000.00} XXXX XXXX payoff with substantial equity for payoff. Credit issues left unpaid. In addition to altering closing doc 's cash out terms after three day right of rescission.Then used Mers act to evade fiduciary lending standards according to Reg Z fair lending act in addition to XXXX Court mandate to payoff XXXX /XXXX XXXX  flawed programs as stated in XXXX Court finding XX/XX/2017 2017

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