vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MO

Complaint narrative:
I made a payment on XX/XX/19- I have the prrof of the call on my call log- I also have a confirmation number at home- however I am currently out of town on buisiness. I went to a resturant for my lunch and after my meal my card was declined. I called and asked why the card was not approved and they said my payment was past due- I advised I made a payment and they asked if it went through my bank account- after checking I said it did not. They said if I made a payment I could make my account active. I made a {$350.00} payment over the phone and they said my account was still unfortuently locked and that I would not be able to use my card for 24 hours until it cleared. I have been out of town for work and they are leaving me stranded with no money. I have been an excellent paying cutomer for 2 years with payment on time every single month and there is nothing they can do to help when their system caused the issue. I am not a fan of discover and I will be sure to let everyone know how bad their customer satisfaction is -- especially for a one time occurance. And not to mention the " missed payment '' is 4 days " late '', so not being able to unlock this acocunt that has always been in good standings is a little excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have been getting calls from an unknown number every morning and throughout the day beginning at XXXX. Today XX/XX/19 I answered the call at XXXX MST and found out the call was from Comenity Bank . I asked the representative did she realize she was calling me at XXXX and that violates FDCPA. The representative stated that the company can call starting at XXXX which I know from prior experience that they should not be calling before XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2018 I called USAA to report a change in address. This was followed with a brief note advising the same. I did not receive a billing from USAA for approximately 60 days thereafter and when I did it had been forwarded from my old address which continued for the next billing cycle. By this time I was in serious arrears. When I communicated my circumstance to representatives of USAA now calling repeatedly, I was told that I was in arrears and the minimum payment was required. I continued to make regular monthly payments but was unable to make the required minimum payments which were now piling up due to my so-called delinquency. Late fees and delinquency fees by this time now consuming my regular monthly payments. I have tried to work through this matter with representatives but to no avail. I recently requested moving back my monthly billing date as in XX/XX/2018 I sustained a serious injury, XXXX XXXX XXXX, and have been unable to work since, I was told that this could not be done until my account was current, which by their standards I was not. I have written everyone in USAA even XXXX XXXX CEO of USAA who passed me off to a XXXX XXXX who as advised me that he " regrets being unable to reach me by phone, '' My phone records do not show any telephone calls from Mr. XXXX and I have called his office at least three times, None returned. I simply need help. USAA will not assume ANY responsibility for their failing in this matter and I am being required to pay for it. These practices " boarder '' on predatory lending and they will assume no culpability in this circumstance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - Applied and approved for a targeted bonus offer of XXXX MR points after spending $ XXXX in 3   months. 

XX/XX/XXXX - Statement reflects XXXX MR Points credited to account after spending over $ XXXX in charges. 

XX/XX/XXXX - American Express announces 30 % Transfer bonus with XXXX XXXX with MR Points XX/XX/XXXX - Attempt to transfer XXXX MR Points to XXXX XXXX with promotion for XXXX total via online. The transfer was unsuccessful - I called, and AMEX could not process transfer because MR account was flagged for abuse and needed to legitimize purchases XX/XX/XXXX - Transferred XXXX points from another credit card company to complete transaction and book flight. The trip will be taken XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX - I called to receive a status on investigation and open an inquiry. " Investigation still pending no update but would receive a call in 5-7 business days with more information '' XX/XX/XXXX - Received a call from AMEX. They were unable to provide any ETA on completion of the investigation but could take 6-8 weeks or a " promotional period of 1 year. '' XX/XX/XXXX - Called again investigation is handled by corporate and not MR team. No resolution date was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: U.S. BANCORP
State: CO

Complaint narrative:
We were looking for ticket for an upcoming concert and found a post on XXXX that offered two tickets. We reached out to the seller and negotiated a price of {$75.00} for 2 tickets. The seller then said they had a 3rd ticket they also need to get rid of and we negotiated a third ticket for {$50.00}. Two transactions were process using my Visa Debit card through a service offered by XXXX called XXXX XXXX. Both transactions were on XX/XX/19. 
The first transaction was for {$150.00} and the second transaction was for {$50.00}. A few hours later when I had not yet received my tickets, I reached out to the seller who claimed my payment did not go through. When they were insistent that I send them another {$200.00}, I was starting to sense something fraudulent was occurring. I refused to send the transaction again and sent the seller a confirmation from the first transaction. After my third attempt to contact the seller via XXXX, they blocked me from further communication. I then ( same day ) reached out to XXXX. XXXX   informed me that the transaction could not be canceled and to reach out to my issuing bank, U.S. Bank. I filed a dispute with U.S. Bank and was initially provided with provisional credit. However, after investigation, U.S. Bank debit my account for the full {$200.00} siting that the merchant ( XXXX ) had performed their required service of transferring the money to the seller and did not have any responsibility for the fact that I never received the tickets. U.S. Bank is saying this is also not their liability because although I used my Visa card for the zero liability protection provided by Visa, this particular type of transaction is a money transfer transaction and according to U.S. Bank, is not protected under Visa 's zero liability policy. U.S. Bank is also stating that while consumers are protected by the Fair Credit Billing Act, this particular type of transaction through XXXX  is not covered by that protection as XXXX was acting as a money transmitter, not as a merchant performing a merchant function. In researching and reading through the Fair Credit Billing Act, I disagree with U.S. Bank 's position that this type of transaction is exempt. I was not sending money to a third party, I was purchasing tickets. This was not a cash advance, this was processed on my Visa card like a standard merchant transaction and I expect to receive the protections covered like any other purchase of goods or services.

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 2019-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a checking account with Bank of America, and last night ( XX/XX/2019 ) I went to the ATM to withdraw {$800.00} to pay my nanny the next day. I only had {$310.00} in my account, but I had scheduled a wire transfer from my XXXX XXXX account a few days earlier, and it was set to arrive today ( XXXX ). These transfers always complete overnight, so I wasn't worried because the BofA ATM has a message which claims you'll only be charged an overdraft fee if the funds aren't available overnight. So I withdrew {$800.00} and didn't expect any problems. 

I've done this several times in the past with BofA and haven't been charged fees, but this morning, for some reason, I was charged two {$35.00} overdraft fees even though the wire transfer completed overnight and there were funds in the account the following morning. One was for the cash withdrawal, and the other was for a XXXX payment my wife attempted to make about 2 minutes after I withdrew the money. 

I was pretty upset by getting {$70.00} worth of overdraft charges, since I had been playing by the rules as I understood them from the prior behavior of the bank, as well as the message on the ATM regarding overnight funds. 

I called BofA just now and the first customer service representative flat out refused to refund either fee. I asked to speak to a supervisor, and was connected to XXXX, the Deposit Floor Manager at the customer service facility in Montana. 

To my shock, XXXX informed me that my wire transfer with the incoming {$1000.00} was 'only 1 minute 13 seconds late '. She claimed that the money withdrawn from the ATM that night was a 'loan ' and the overdraft fee constituted 'interest ' on that loan. I was also given a long lecture about how all this was in the fine print of my account holder agreement. She then claimed that the bank had to draw a 'line in the sand ' against people like me and that there was nothing she would do to fix the problem. 

After persisting with XXXX for roughly 20 minutes, I finally convinced her to waive one of the {$35.00} fees, as a 'customer courtesy ', but she insisted that the bank was playing fair and refused to refund the other {$35.00} fee. 

I was not aware that I was taking out a loan from the bank when I accessed cash from my checking account in a manner I've done many times in my 22 years with BofA, and if so, an instant {$35.00} interest charge for an {$800.00} 'loan ' is an outrageously high amount, akin something a shady payday lender would do. 

I'm hoping that the second fee can be reversed because I'm on an extremely tight budget and every dollar counts for me and my kids.

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 2019-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Carrington Mortgage Services Approved a short sale by notification dated XX/XX/XXXX. The approval waived any deficiency amounts. Carrington then referred the deficiency to a collection agency, which mailed notices to the old address where I do not receive bills from Carrington and they are attempting to collect the deficiency. A letter from the collection agency, XXXX, was received on XX/XX/XXXX, dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed my case and account after {$13000.00} was taken from my account and they have three different ways it was taken from my account and will not open the case I didn't authorize 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 2019-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial

Complaint narrative:
Good day, Today, XX/XX/2019, US based virtual currency exchange XXXX announced it was proceeding to an haircut of 16.202 % on the balance of the Bitcoin liquidity providers on its platform. This is due apparently to margins cascade failure that happened on XX/XX/2019 : https : XXXX I had XXXX bitcoins on the XXXX exchange for providing loans and now I only have XXXX bitcoins left after what XXXX seized to cover their losses. This represents a loss of {$12000.00} for me. 

The problem is I had 0 bitcoins on their platform the day of the margin event ( XX/XX/XXXX ) as I deposited my funds only on XX/XX/XXXX. So I suffer an haircut for a date when I even wasn't a liquidity provider. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Im going to sum it up quickly I was a former employee of the XXXX XXXX   I got terminated XX/XX/XXXX The XXXX headquarter location continued to pay my medical insurance benefits up until XX/XX/XXXX and now wants payment of the bill they paid so I do not agree with this bill so they sent it to the collection U S Treasury and then U S treasury sent it to Transworld System Inc I have sent dispute to both collection agency and nothing is getting done I am just being passed of back and fourth from both agencies. I am in the process of buying a home and its at a stand still because both collections agencies fail to do anything not to mention I sent in supporting documents and request several disputes. Please I am just asking that this 7 account get removed from my credit bureaus because i will be homeless as of XX/XX/XXXX Please thank you for helping in this matter I have supporting documents to go along with my claim. I am submitting termination letter from employee, invoice of description with dates of payments. bills from both collection agency U S treasury and Trans World system

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
I had a lease with Acura Financial Services from XX/XX/XXXX-XX/XX/XXXX. I purchased the vehicle from Acura Financial Services in XX/XX/XXXX. I received a bill from Acura Financial Services in XX/XX/XXXX/XX/XX/XXXX for personal property taxes paid for XX/XX/XXXX to XXXX XXXX City in the amount of {$750.00}. 

I lived in XXXX XXXX City in XXXX when I leased the vehicle and moved to XXXX XXXX County in XX/XX/XXXX, which are different taxing authorities. I notified Acura Financial Services of the move and they accurately reflected my address in XXXX XXXX County and sent me correspondence at the XXXX XXXX County address for the remainder of XX/XX/XXXX and XX/XX/XXXX. Taxes were not payable to XXXX XXXX City for XX/XX/XXXX as I did not reside in XXXX XXXX City at anytime during XX/XX/XXXX. 

Upon receipt of the bill, I contacted Acura Financial Services and discussed the issue with them. At that time I was asked to send documentation of my move. I sent them the requested information, although they had been previously notified of the move. A couple months later I started receiving collection calls from XXXX. I contacted Acura Financial Services and they said they would pull the credit from XXXX and work with XXXX XXXX City to obtain a refund of the taxes incorrectly paid. In XX/XX/XXXX/XX/XX/XXXX I started receiving calls again from XXXX. I called XXXX and they told me that my account had a {$0.00} balance. They began calling again within a couple weeks and I called them back and I explained to them the issues. At this time they notified me that they are reporting this matter to the credit bureau. I contacted Acura Financial Services again and they told me they have no record of an amount due. I have fully exhausted my efforts with Acura Financial Services and XXXX and neither are able to assist me as they each tell me to the contact the other. 

My credit score is 820+ and I pay my bills. XXXX or Acura Financial Services is  incorrectly reporting this issue and it is affecting my otherwise excellent credit score. This is not a bill I owe and it is Acura Financial Services responsibility to obtain the refund from XXXX XXXX City. I was never late to Acura Financial Services in the 3 years that I leased the vehicle from them. I request that my credit reporting be immediately fixed and it properly show that I do not have an outstanding amount and that no payment was ever late. 

Attached is the Utility Service Request for utilities at XXXX XXXX, XXXX XXXX, MO XXXX, which is located in XXXX XXXX County dated XX/XX/XXXX, the date I purchased/closed on the house. Also attached is the first page of the HUD dated XX/XX/XXXX showing I sold the house located at XXXX XXXX, XXXX XXXX, MO XXXX, which is located in XXXX XXXX City.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: NC

Complaint narrative:
After reviewing my report for the first time in years I noticed multiple accounts that I did not open or have knowledge of. I called in to the credit bureaus for help and was told to file a report and submit it with the proper identification to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Bass & Associates, P.C., Attorneys at Law
State: CA

Complaint narrative:
I ATTENDED XXXX XXXX COLLEGE IN XXXX XXXX ON XX/XX/XXXX & TOOK OUT A {$11000.00} STUDENT LOAN. IT SHOULD HAVE BEEN FALLEN OFF BECAUSE THE STATUTE OFCOLLECTING IS 7 YEARS AND BASS & ASSOCIATES COLLECTION AGENCY HAS BEEN CALLING MY CELL AND PREVIOUS WORK PLACES TELLING THEM I HAVE FINANCIAL ISSUES WITH THEM. I FILED BANKRUPTCY BEFORE AND THIS STUDENT LOAN WAS INCLUDED IN THE FILING. AM A SINGLE MOM AND IN A TIGHT BUDGET. SINCE XX/XX/XXXX MY INCOME TAX REFUNDS HAVE BEEN OFFSET AND I NEEDED THOSE REFUNDS TO PAY FOR MY RENTAL APARTMENTS, BILLS, AND CHILRENS EXPENSES. BASS & ASSOCIATED # XXXX ) XXXX ADDRESS IS XX/XX/XXXXXXXX XXXX, AZ XXXX. NOW MY TOTAL OWED ACCELERATED TO {$59000.00} AS OF XX/XX/XXXX VERSES MY ORIGINAL LOAN OF {$11000.00}. MY INCOME TAX OFFSETS SINCE XXXX SHOULD HAVE BEEN MORE THAN ENOUGH TO PAY OFF MY STUDENT LOAN OWED. PLEASE HELP ME LIFT OFF MY IRS OFFSET OF MY REFUNDS AND I DEMAND THAT THOSE REFUNDS BE PAID TO ME SINCE XXXX. XXXX INCOME TAX FILING IS ON HOLD FOR FILING BY XXXX XXXX UNTIL THIS OFFSET IS LIFTED AND NO LONGER IN MY SOCIAL SECURITY COLLECTIONS. THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express closed my Blue Cash credit card, which had over {$2500.00} in rewards in the account. The did not allow me to claim my rewards as cash back, as I should have been entitled to do. In effect, Amex stole my cash back rewards. I filed a prior complaint about this - which also included a complaint about other Amex cards as well - Amex replied to my other complaint but completely ignored my complaint about the Blue Cash credit card. They are a bunch of thieves and fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: NC

Complaint narrative:
After reviewing my report for the first time in years I noticed multiple accounts that I did not open or have knowledge of. I called in to the credit bureaus for help and was told to file a report and submit it with the proper identification to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: NC

Complaint narrative:
After reviewing my report for the first time in years I noticed multiple accounts that I did not open or have knowledge of. I called in to the credit bureaus for help and was told to file a report and submit it with the proper identification to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I emailed XXXX XXXX on XX/XX/2019 and stated in the email that the charge off they have on my account was a fraudulently obtained card that I never applied for. The charge off has now been sent to LVNV Funding, LLC whose now reporting negatively on my credit report which is hindering me from obtaining certain loans. The account is a XXXX XXXX credit card.

Company response to consumer: Closed with explanation