vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: OH

Complaint narrative:
On XX/XX/2018 I called XXXX XXXX for XX/XX/2018 payoff amounts on 3 loans ; 1-XXXX -- -- -- amount given {$7000.00} Chk # XXXX issued 2XXXX -- -- -- amount given {$10000.00} Chk # XXXX issued 3-XXXX -- -- -- -- amount given {$27000.00} Chk # XXXX issued On XX/XX/XXXX, three BANK checks were sent REGISTERED MAIL : to XXXX XXXX Co Signer Payoff XXXX XXXX XXXX XXXX, PA XXXX Those checks were received on XX/XX/2018 at XXXX XXXX Since then I have called the XXXX 11 times to check on those loan payoff being processed. By XX/XX/XXXX I began asking for a supervisor. On the XXXX I was told there were being processed. Since then I have been told that the imaging on the checks was not accepted & yet Chk # XXXX has processed through XXXX XXXX XXXX Wednesday XX/XX/18. I talked today with Supervisor XXXX # XXXX was to Call me back in XXXX to XXXX min XXXX XXXX XXXX. He was to check with the XXXX department. That has not happened ( XXXX ). XXXX XXXX called back. He said they have cancelled the 2 checks will not process them. Their bank XXXX XXXX will not process them. My bank will not reissue checks unless the others are returned. He informed me if it is the BANK 'S image fault I AM LIABLE FOR EXTRA INTEREST & FEES My question is how can 1 bank check for the MOST money process & the others not. Dealing with XXXX XXXX has been extremely Frustrating when just trying to pay off loans that constantly increase in interest. Since the loans originated my grandson still owes only {$1500.00} less & that was 4 years ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX IS NOT MY ACCOUNT ACCOUNT NUMBER XXXX THEY ALREADY DELETED OFF XXXX   AND XXXX. IM JUST WAITING FOR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for an XXXX XXXX XXXX MasterCard issued through Barclays Bank on, or about, XX/XX/2018. I received a letter dated XX/XX/2018 from Barclays Bank requesting additional information ( Copies of Social Security Card, Driver 's License, and a Utility Bill in my name ) which I sent to them on XX/XX/2018. The letter from Barclays did not include any phone number that I could use to contact them. I heard nothing from them until about 2 0r 3 weeks ago, when they sent an identical letter to the first one requesting the same information I had already sent. The letter still did not contain any phone numbers for contact purposes. To date I have heard nothing more from Barclays. Today ( XX/XX/2018 ) i have tried to call Barclays from a phone I got from the Barclays internet site. They transferred me three times and no-one could help me. I have tried the phone numbers they gave me and they specifically state they have no information on application status 's of any account. My Application number is XXXX and I would like to know why they have not issued a card and why they have not contacted me if they intend not to issue a card. I think failure to notify me of why they denied credit is a violation of law ( if they have  denied me ). My FICO score is over 800.

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 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. AmEx told us they would investigate. Way, way later, in XX/XX/XXXX, we learned that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. 

We asked them to re-open the dispute, which they did in XX/XX/XXXX. 

They have now closed our dispute again, saying, " contact the merchant yourself. This was too long ago for us to deal with. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fenton & McGarvey Law Firm, P.S.C.
State: TN

Complaint narrative:
I had opened an account with XXXX XXXX and had charged over {$1000.00} roughly a few years back and I had contacted them and worked out a payment arrangement for {$400.00}. Last year when I checked the credit bureaus as we were going to refinance for a better rate. The account was closed and charged off. No I failed to get proof. Three weeks ago on XXXX, I was served with a Civil Summons as I was named as a defendant in a suit for the amount of {$740.00} as the account was bought by a debt collector. I received no notice, only served with a court date on XXXX. I am XXXX with a XXXX XXXX injury and will go to court as my name is on the affidavit, and I abide by the law. As I was preparing rides, times, and documents I read the Civil Warrant that I was served with and they are also seeking Court Costs. I am on a fixed income and due to the XXXX in XX/XX/XXXX at an early age in which I had just started my career after spending years getting a college degree and was ordered by a judge XXXX   XXXX  XXXX despite my pleas. My medical bills take more than I draw. However, I noticed that the Attorneys for the Plaintiff, one in XXXX KY and the other stamped on the court document is with a PO Box in XXXX. I also noticed on the attached Affidavit that is from the State of Texas County of XXXX and the Custodian of Records for the Plaintiff, a XXXX XXXX XXXX employee assigned to the Account who does business at XXXX XXXX XXXX in XXXX Virginia under penalty of law attests that I Owe the company she works for the sum of {$770.00} as of XXXX but claims the sum of {$740.00} is due as of the date of the affidavit. Her name is stamped in 2 places in the state of Virginia and Notarized in Texas that the Signatures were signed under no duress by the company who employed her. The court I have to go to is in Tennessee also. This is the 2nd time I have had to go for these bogus charges and the last one that the date was set by the attorney did not bother showing up and the judge called them to rescheduled and said they had forgot. They set the date. I am so tired, stressed and honestly sick and tired of the games these people play unfairly!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent {$450.00} from the XXXX ( XXXX ) app on XX/XX/18 to XXXX XXXX who also has a XXXX ( XXXX ) app. The transaction on the app shows as denied 3 times as XXXX didn't have an updated debit card on his XXXX app. The last card he had was with XXXX XXXX and it was no longer valid. Even though on the XXXX app it showed as denied, my bank account had an authorization hold placed on the account and the transaction cleared on XX/XX/18 as successful, but XXXX never received the deposit. XXXX has no idea of what happened. They however show as the merchant on my bank statement but they say they really are not the merchant. I also spoke to an agent who said that XXXX did send the request to pay the authorization hold but since the account had an invalid debit card that it should be returned, but it hasn't returned yet. Then a manager told me that the info he said was wrong. But in my understand of debit transactions, the sending bank applies a hold under the receiving entity sends a request to complete that transaction which to me looks like XXXX. XXXX hasn't opened any type of investigation that I know of and just keeps reading me the standard policy lines. The thing is the money isn't in my bank ... so it is either with XXXX or XXXX somehow sent it to XXXX XXXX which is the receivers bank, but XXXX can not at this time locate the money either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax can not resolve my log in issue. I have been on phone with them 8 times to resolve. I tried purchasing my score on XX/XX/2018. was not able to process. I called later that evening and was told I needed to purchase the XXXX plan. I did so but it was not processed because I could not log in. The gentleman sent me a new user ID and temporary password and that did not work. he said he was sending a complaint to the IT department and for me to try and log in in a couple of hours. After this I did an online dispute with a Lady on issues I had with my free report I received early that day. followed up next morning. its still not working, called on phone and was send another temporary password, it did not work. was sent another and did not work while I was phone with person. Called back later that day and spent 2 hours  on phone being transferred back and forth with no help. was Finally told by XXXX that reason I could not access my account was that XXXX service was not processed. Said I had to do the XXXX monthly service to get to my account. I did with reservation trying to explain that it would not fix log in problem. she sent new temporary password again twice and it did not work as it has not before. at this point I was transferred around again to several people before I reached XXXX. after several attempts he was supposed to send in a request to IT to have it look at. was told it could take up to several days. Equifax holds my life in their hands with my credit report. on XX/XX/2018 I received an email with new temporary password. XXXX, same result. it did not work. I called to check the status of my disputes and was told they are all still pending, yet I have received confirmation that several have been resolved. I do not know where else to turn. every time I call I get the same thick accented mild easterners that I have a hard time understanding doing the same robotic responses each time. they will not transfer to a supervisor or to a department that can help. Sad that our countries citizens Finacial wellbeing is in the hands of 3 companies that source out there departments and don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Recovery One, LLC
State: CO

Complaint narrative:
Please see Complaint # XXXX-XXXX  On XX/XX/XXXX, XXXX XXXX XXXX installed a non-OEM windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue with XXXX to get the correct windshield replaced at the auto dealer, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, Recovery One debt collection. When I returned a voicemail from Recovery One, the representative was extremely rude and belligerent. She gave me no opportunity to explain why there was no debt owed and instead she interrupted, berated me and threatened me that since it was past 30 days, it was going on my credit report. I submitted the above Complaint # XXXX-XXXX because 1 ) I wanted to be sure there was no entry on my credit report since this entire situation was an error and 2 ) I wanted to be sure that the law is followed and debtors are treated by collection agencies with respect and they are provided the opportunity to discuss a debt they are accused of owing. I understand this is stipulated in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ( Dodd-Frank Act ) which established the CFPB for the purpose of protecting consumers from abusive financial services practices. Recovery One 's response to my complaint # XXXX-XXXX on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' On XX/XX/XXXX I submitted additional feedback via the CFPB to clarify that Recovery One responded to the first part of my complaint ( ensure there is no entry on my credit report ) but not the second ( ensure consumers are treated with respect as mandated by the Dodd Frank Act ). Suddenly, today, XX/XX/XXXX, there is a new entry on my credit report ... a " New Collection '' entered today. I am left to believe this brand new submission is most likely a retaliation from my XX/XX/XXXX feedback. This is clearly an improper use of my credit report, utilized to further damage me in response to my exercising my rights with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2018 I received a threatening phone call from XXXX USAA stating that they will not review my case, they will hold me accountable for fraudulant activity on my acount, per a prior CFPB report regarding fraudulent charges that have been disputed for the past year, some charges were reversed, but there is still an outstanding debt. The company states they have decided to hold me accountable for a fraudulently used convenience check. I have been a member of USAA savings Bank for 20 years and never used a convenience check to pay another person. they claim I paid someone, with this check. They are attempting to ruin my life, thay have put me in severe danger That is absolutely ridiculous as I have never written a USAA convenience check, never received, I have asked for a copy of the check, whom it was written to where it was cashed, where the checks were received and received no response. I have asked for the company to stop blatantly lying to me directly. I have asked them to put themselves in my shoes as a consumer and 20 year member and to simply do what they advertise which provide and protect consumers with XXXX liability fraud protection. This is 100 % fraud where is my liability protection? Why am I to be held accountable for this? I never received checks, I never wrote checks. They have caused me undue harm, increased stressed and should be held accountable for their actions. They do not really care about the consumer, they have no fraud protection. I would request a full audit of this company and there policies, specifically regarding denied fraud claims, as they continue to put the consumer at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Purchased XXXX XXXX in XX/XX/2013 and financed through Santander. The car was {$17000.00} when purchased ; with the fees and interest rates the balance is about {$13000.00} -- 5 years later. The car is on its last leg and need work done -- it has over 130,000 miles on it. The amount of money I still owe is ridiculous and I realize that my credit wasn't the greatest when I got this loan and have had some issues with making payments over the years but I owe {$4000.00} less than I did when I first purchased the car and there's no way that this car is going to last for the next 2-3 years its  going to take to pay it off. According to XXXX the car is only worth $ XXXX-XXXX -- I still owe {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have researched and found according to Fair Credit Reporting Act : Section a-1-A credit agencies are not suppose to accept reports from a third party. We have contacted the courts and they specifically said they DO NOT report bankruptcies to credit agencies. We have contacted by two certified letters, Experian Credit agency, asking them to remove this. We enclosed with the letters, a letter from the court stating their policy. Could you please help us in this matter Experian is the only one still reporting this. 
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 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: OK

Complaint narrative:
I received a letter stating that I had an owed balance with XXXX. I contacted the company and was told that my balance was {$29.00}. I have not utilized there business since XX/XX/2013. I paid the amount owed, in full. Now, I have a derogatory item on my credit report about some bogus charge that XXXX has turned over to a collection agency in the amount of {$220.00}. This is a zombie debt that is of no value and it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK

Complaint narrative:
To Whom it may concern, I currently hold a student loan with Discover Student loans. 
I have been making monthly payments since I got the loan. 
This month ( XX/XX/2018 ) I decided to pay the full amount of the loan, USD {$20000.00} I paid before my monthly due date and USD {$57.00} today, XXXX2018. 
The bank argues that due to the fact that it is a large amount of money and that its an international wire transfer, its taking more days than usual for the bank to confirm reception of the funds. 
I already sent proof that the payment was sent. 
The bank has me on 9 days delinquency status since they have not received the funds. 
I am requesting that the delinquency status gets deleted and that my cosigner is not contacted since I already made the payment and sent proof of it. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: NM

Complaint narrative:
On XX/XX/2018 I received a derogatory mark on my credit report from Collection Company Waypoint on the behalf of XXXX XXXX XXXX. 

After making multiple attempts to contact XXXX. I finally received an answer that the derogatory mark was due to an account that has not been paid, totaling {$140.00}. The account was transferred to the owner of the home XXXX XXXX without my permission and I was unable to access the account. 

I do recall calling XXXX and them denying me to access the account to make payments or transfer account. 

A XXXX representative stated they have no records of the account other then a debt is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: NH

Complaint narrative:
I have been trying to get TransUnion, XXXX  and XXXX  to fix my credit report for almost a year. They have items on my report that go back to XX/XX/XXXX every time I dispute anything they temporarily freeze my account while they are investigating, I have accounts that were closed past the Florida limitations limit but they still are reporting it, I paid and closed accounts in XX/XX/XXXX and opened another dispute because they were still on my report when XXXX  XXXX updated my score it dropped 69 points. In fact every time a pay anything down my credit score drops they take items disputed off then add them back on the next month I would like them to remove all paid accounts they also have two XXXX XXXX XXXX listings but its the same account its been duplicated I have asked that the closed duplicated one be removed but it remains on my report, XXXX  on the other hand has info that is not mine so when I try to answer the question they must have the other persons info and I get kicked out so I can not even order that report

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 2018-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EMBRACE HOME LOANS
State: IL

Complaint narrative:
My hazard Insurance was due XX/XX/18, my escrow company didn't send the payment. Then escrow sent several payment with the wrong amount and canceled a payment. Three payments were sent. My insurance was finally paid correctly XX/XX/18. Now my escrow/lender is saying I'm behind on my escrow by over {$1000.00}. I am not behind, they have taken the correct amount every month with my payments. I've called 4 times, being on hold over a hour each time. Each time someone has a new idea why the escrow is short. They say someone will work on it and call back. But they have never called once. They are also saying I cashed a check in XXXX but of course no one can prove I signed it, which I don't believe I did. Now the lender/escrow want to raise my payment by {$87.00} because they can't get the records correct. I really feel I need some assistance with this Servicing Company Embrace/XXXX has hired.

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