vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I had reached out to Transunion to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at transunion advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with th e Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usual 24-48 hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and  XXXX  where i can not get any of my free credit reports with some type of error stating that my information cou ld not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.

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 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I had reached out to   XXXX   to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at   XXXX   advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with  the Fraud de partment, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usu al 24-48 hr bit,   knowing that i was just being thrown to the wolves. I am also having this issue with Experian and  XXXX  where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.

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 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBA of GA, Inc.
State: SC

Complaint narrative:
I received a letter dated  XXXX   XXXX ,   XXXX   and attempted to collect {$110.00} which I do not owe.     I have already paid {$59.00} for  XXXX  sessions and the company is trying to rip me off by charging me {$110.00} for the service they never provided.     I have mailed in cancellation notice to   XXXX   XXXX  s on  XXXX   XXXX ,   XXXX   so they are not authorized to charge me the service that I never agreed and they also never provided the service for the amount they are trying to collect.     I belive this is a fraulent billing tactics after I cancelled the membership.

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 2017-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo opened an account under my social security number and date of birth, it has been affecting my credit and information and that person has been using my info to get apartments and fraud on my credit card. I have complained to Wells Fargo and still nothing has changed and I am still able to log into Wells Fargo and open the checking and savings account online at WellsFargo.com. All Wells Fargo did w as mail me a fraud kit to pay them money to fix a problem they created.     After I logged into  WellsFargo.com the first time I made a complaint to CFPB and Wells Fargo. Then a few weeks later, I logged into WellsFargo a nd I noticed they changed their mailing address of the person who was using 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 2017-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: AZ

Complaint narrative:
Voice message attached. It violates FDCPA. The caller did n't identify the company she represents. purpose of the call and that the purpose of the call was for debt collection purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a parent of a  XXXX  and tried to open a debit card account for a minor. I already have a bank account + credit card with Chase Bank here in  XXXX , CA. The bank physical address address is :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX  - Today,  XXXX   XXXX    XXXX   around   XXXX   XXXX   I tried to open a minor account for my daughter (  XXXX  yrs in few days ) with me acting as primary account holder. I submitted all my personal verification details and then account manager/bank  manager aske d more information about where I work, how much money I make, what other bank accounts, credit cards and liabilities I have.     I refused to give additional financial information about me and the bank refused to process my request to open an account. The employee called th e manager and manager  repeated the same information despite me saying that they have my  SSN and can always run credit report ( which I assume is illegal also ).      Collecting competitor bank, loan, credit card and other financial information is illegal from my perspective when I am trying to open a simple debit card account. Chase Bank is illegally requesting additional information and denying me to open a simple debit card as a neighborhood bank.  Chase manager  said, it is their policy to " get to know the customer '' and cite d Federal laws in a booklet which says " Banks may ask additional information about the customer '' - but does not  state, that can deny the service if not provided.     I want CFPB to take against this kind of forcing the customers to disclose additional financial information and gaining insights to further market products to customers when a simple debit card account was all I requested. As a citizen not asking for loan/debt, why should I disclose additional financial details to Chase Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: DC

Complaint narrative:
While reviewing my credit report I noticed I have duplicate debt reporting twice on my report from different creditors for the same amount for a cable  bill. One from the original creditor the other from a debt buyer collection agency. W hich means the original creditor has written off the debt and has been paid. This is effecting my credit and payment history. The  XXXX  states charged off on my report while Debt Soultions is reporting the wrong date opened, which is n't matching the dat e of 1st  delinquent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have repeatedly requested that Pinnacle LLC / Resurgent provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have been making payments though  Ocwen ' s website. When we submitted the request for our  XXXX  payment, we received an email fro m Ocwen which states the following : Thank you again for choosing to participate in Ocwens Automatic Clearing House (  ACH ) program to have your payments automatically withdrawn from your bank account. Based upon your request and approval, we have enrolled you in this free service and your first payment withdrawal date is scheduled for  XXXX / XXXX /  XXXX  .     We did not request to be enrolled in the  Automatic Clearing House program. I called our relationship manager at Ocwen t o request to have us removed from the program. He just told me to cancel the payment. I am not sure if doing this will withdraw me from the ACH Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My complaint involves my mortgage servicer 's rejection of a principal reduction payment, after several years of accepting such payments. My loan servicing was transferred to Seterus a few years ago. I have a loan modification where my interest payments are escalating to a maximum of 5 %. Under the modification agreement I recently received a credit of {$5000.00} for making timely payments. Seterus subsequently offered to recast my loan ( crediting the {$5000.00} to reduce the principal of the portion of my loan that is subject to interest charges - I have an additional loaned amount where the interest is currently deferred ). I accepted the recast offer. For the last few years I have routinely paid Seterus extra each month, to reduce the principal of my mortgage loan that 's subject to interest charges. These added payments have been accepted and show on my past statement as " principal reduction payments. '' So I was very surprised when I received my XXXX 2017 statement, to see that while I was credited with a {$49.00} principal reduction on XXXX XXXX, 2017 ( made as an addition to my due XXXXX 2017 mortgage payment ), Seterus then reversed that added payment on XXXX XXXX, 2017. The statement was accompanied by a sheet titled, " Explanation for Holding Payments in a Suspense Account. '' That sheet does not refer to principal reduction payments, and its language implies they are holding my principal reduction payment to apply toward my next mortgage payment. ( I had already sent them my XXX 2017 payment before receipt of the statement, consisting of due payment in full plus an additional principal reduction payment. ) This is the first time my principal reduction payment has been reversed. I do n't understand why I can no longer make added payments to reduce principal. I have been unable to reach Seterus customer service by phone after attempting to do so a dozen times. I then sent an email to their email address as listed on my statement, and it bounced back as not being accepted by their server, even though the address is correct. Can you help me get this straightened out?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am filing a complaint against  Cavalry Portfolio Services, LLC,    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  NY  XXXX  ( or  XXXX   XXXX   XXXX   XXXX , NY  XXXX  ), which has been harassing me since   XXXX   XXXX   claiming I owe them an amount of {$18000.00} on an account #  XXXX  I never initiated with them. They sent multiple demand letters to me and then notified the credit bureaus of my obligation to them, which is not valid. This has subsequently damaged my credit and prevented me from purchasing a home or obtaining other credit.     On   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I sent Cavalry certified letters requesting validation of this debt in the form of a contract with my signature showing I entered into an agreement with them. They were initially evasive claiming my request was not clear and then finally provided their version of proof of validation, which were old credit card statements not having any connection to them and therefore is not valid proof of any obligation.     They have inaccurately claimed they treated my request appropriately pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, which states they have the obligation to produce verification of my signature and any documents showing I entered a financial arrangement with them. They have been unable to produce proper documentation and have reported false information to the credit agencies that I owe them this debt and as such are in violation of these laws. I am requesting they cease their attempt to collect a debt I do not owe them and have the credit agencies remove those items from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Hello, I have this auto debt on my c redit from Chase auto in a collection status. Chase auto has reported on my credit and it has effected me getting qualified for a Va Home lo an.   In the month of  XXXX    XXXX   I was trying to open a bank account with  XXXX   XXXX   XXXX   XXXX  but was denied due to bad debt. So after obtaining my credit report in  XXXX    XXXX   I saw this alleged account on my report.   On  XXXX   XXXX    XXXX   I wrote to cha se (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AZ  XXXX  ) auto finance asking for the amount owed on this account, and offered to settle this account in exchange for the original instrument of indebtedness in its original form. I heard no responsefrom this letter.   I waited till  XXXX   XXXX    XXXX   to write chase auto again. On that day i offered again to settle the account in exchange for the original instrument of indebtedness in its original form. If no responsewas received by  XXXX   XXXX    XXXX   I wouldhave considered the account legally and financially settled.   I have recently received a phone call  from Chase  on  XXXX   XXXX    XXXX   during my work hours where in my letter on  XXXX   XXXX  I requested no telephone communication be done only mail.  Chase auto has not provided me any contract with my signature on it in accordance with the UCC article 3 Part 4 which they assume I am liable this de bt and currently still report it in erroneous on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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:
Let me start out by saying that I love USAA bank and even after what has happened will probably continue to bank with them. I am just shocked by what happened. On   XXXX   XXXX   XXXX   I reopened a checking and savings account that I previously had with USAA. I have been a member since  XXXX . Upon opening the account I also opened a Secured  XXXX  Credit Card account that is attached to a CD. I deposited {$30.00} in checking and {$30.00} in savings. On   XXXX   XXXX   XXXX  , I noticed the money I had deposited into my checking and savings was gone and my checking and savings account had been closed. I contacted  USAA  and was advised by a service rep that I had a balance and they took my money. I then advised the rep that I filed a bankruptcy in   XXXX   with  USAA  listed for banking and auto/Case  XXXX . The rep advised me that upon opening my account I signed some type of disclosure statement indicating that they could collect any money owed. I was never notified that I owed anything to  USAA  after bankruptcy. They have never contacted me about any debt which I thought was normal due to bankruptcy. I was shocked to know that they took my little bit of hard earned money right out from under me without any notification. Because I love the bank so much I probably would have still just paid the balance and reopened my account at a later date if they informed me of what was going on. I feel like I was misled and was saddened to know that USAA would allow something like this to happen without any notification to me, the consumer. Why even allow me to open an account if I owe a balance. Just really disheartened that this has happened. I am trying to rebuild my credit and buy a home. USAA was going to be my bank where my savings would go. My first {$30.00} towards savings is gone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I am an  XXXX   XXXX  military member that signed up with the   XXXX   XXXX   XXXX   on   XX/XX/XXXX  because they offered me 0 % Interest and {$0.00} Annual Fee for life of the ac count as long as I am on  XXXX   XXXX  status. During the application process they required me to verify my  XXXX   XXXX  date which was    XX/XX/XXXX  by having me send in my  XXXX .
 XX/XX/XXXX  BARCLAYCARD sent   me a letter contradicting what I original I signed up for and is now going to force me to pay {$990.00} starti ng on  XX/XX/XXXX  or I Cancel the account both options do not work.      -They state in the letter after review of  XXXX   records  I was already on  XXXX   XXXX  prior to application of the account and they wont extend the benefits anymore. This is outrageous since the military department  (   XXXX   )  verified my  XXXX   XXXX  date wa s in  XX/XX/XXXX . I t was the sole driver of my eligibility.     They also state in the letter they just extended certain benefits to my account at account opening based on their policy. This was not mentioned nor the case. I was told I will have 0 % and {$0.00} Annual fee for life of the account as long as I am on  XXXX   XXXX  and to contact them when my  XXXX   XXXX  status stops so they can discuss options.     I can not afford a {$990.00} annual fee and canceling my credit card will greatly affect my life since I rely on it heavily. Canceling the account will also crea te credit   score repercussions. This is either a classic Bait and Switch Tactic or Barclaycard is leaving me to deal with their mistake on the benefits th ey offered me up. I signed up only because of what they offered  XXXX   XXXX  members for the life of the  XXXX   XXXX  status. This was not a promotional offer that I expected to change after a year.     I have called numerous times wasting hours on the phone trying to resolve this. They have not offered anything to resolve the situation and are strong arming me into Canceling the account or Paying this new {$990.00} fee both options do not work. I am a loyal customer and would like to resolve this.

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 2017-04-29 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: MI

Complaint narrative:
In  XXXX    XXXX   my daughter,  XXXX   XXXX  applied for and received from Navient Income-Driven Repayment Plan. She was instructed to pay {$200.00}, up from the {$110.00} that she had been paying. She made the {$200.00} payments in  XXXX  and  XXXX , confirmed by Navient via email. NOW, my daughter is receiving  " Past Due '' statements!! This is HORRIBLE!    Back in early  XXXX  I was told by Navient customer service that she could get a 60 day courtesy hold on her account, only to find out when she called to get the hold placed, she could n't!!   I want to see  Navient stay with the the monthly payment amount that they set when the application for repayment was processed and stop this constant setting of past due on the account. Navient  has all the contact information to communicate any changes and yet they choose not to use them until after the fact. There should n't BE any changes, it 's ridiculous!   My daughter is making good on her part to get payments made to keep her account in good standing and it 's lik e Navient is doing all they can to sabotage her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: CA

Complaint narrative:
The reporting agency is reporting that I owe  two  separate amounts which is not true. I owe this agency no money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation