vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had reached out to American Express more than 2-3 weeks ago to talk to them about refunding a credit in the amount of {$19000.00} I spent considerable amount of time over the phone and i was rest assured that a check would be mailed to my mailing address within 7-10 business days. 

I followed up with the earlier this week most likely on XX/XX/19 to get the status, and was first told by the representative that no such request was initiated and then was told that there was a glitch in the system. I expressed my frustration and was told that a new request was being made, verified by mailing address and said this time for sure a check will be mailed out within 7 business days. The representative also said he will lodge an inquiry to the previous call but I would have to followup with them to get a status. 

I followed up again today XX/XX/19 and was told that they had a wrong address to which the check was mailed out that involved a PO Box . I told them I had not provided any such address and demanded to speak to a supervisor. I was on the phone for more than 40 minutes and again was rest assured that the refund shall be issued to my bank account free of charge by Wednesday the latest and that the supervisor shall personally followup on Monday and Wednesday. 

It seems they are not willing to refund my money and every time I call, I get a run around, hollow apologies, false statements. This is not only poor customer service but they are deceiving their customers. 

I can not wait any longer to receive my refund and therefore am lodging this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Self Lender Inc
State: WV

Complaint narrative:
Theres an account that has been open fraudulently in my name and my debit info was used I contacted them and even disputed this threw XXXX and nothing has changed. 
This is not right by far I'm a victim of identity theft and XXXX XXXX is keeping my money and now this XXXX, when I contacted self lender they was very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I am not aware of this account I have never opened up anything in my name and I dont know what the charges are for I have never applied for anything back in 2014 and at that time I was XXXX so I dont know why I am being charged something that is hurting my credit I am just now trying to get my life set up and I come to find out that I have been falsely charged for something that was unaware to me I was a minor in 2014 so any charges against me should be taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: NJ

Complaint narrative:
I have a XXXX XXXX XXXX revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted XXXX XXXX XXXX on XXXX XXXX 2019 and they couldn't help 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 2019-05-10 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: NJ

Complaint narrative:
I have a XXXX XXXX XXXX revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted XXXX XXXX XXXXXXXX on XX/XX/2019 and they couldn't help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My savings account and two checking accounts were hacked and I have three fraud claims with the Bank of America. First savings account claim # XXXX. My original checking account that I had for 35 years claim # XXXX. Then I was given new checking account which was then hacked and I filed a third fraud claim # XXXX. The claims were denied and the said I gave someone my password/or ID. I did not give any one this info. I did not have access to any funds for 3 weeks because all accounts were closed including credit cards that requested them to replace. My home was broken in in XX/XX/XXXX and my phone and I were hacked. They have no right to this money as I did not do anything to compromise my accounts. Finally my late husband worked for the bank and I get a widows benefit pension check every month. I am such a good customer status that all the checks and/XX/XX/XXXX ones were paid and that is the money they denied me. I am a widow with limited monthly income.

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 2019-05-10 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: TX

Complaint narrative:
I have recently checked my credit cards used in my name through XXXX XXXX, I found that there are two credit cards opened in my name. They are the following : XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$6800.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$6800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 8 mos ) XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$13000.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$13000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) I came to the United States in XX/XX/XXXX and applied for the first credit card after one year of that. I am confused there are two accounts already in my name. I don't want both of these cards on my credit card report. I need help to fix this problem.

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 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Hello, I received a credit card from Wells Fargo that I never applied for. I was considering purchasing windows from XXXX XXXX and partially financing the purchase. I gave them permission to run my credit to see if I qualify. 

I decided to go with another contractor. A few weeks later, I received a credit card with a {$8000.00} limit for XXXX XXXX from Wells Fargo. I never signed up for this card, agreed to the terms, or signed for it. 

I called Wells Fargo and they cancelled the card, but it is concerning they are opening lines of credit for people without their permission so I wanted to report it.

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 2019-05-10 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: FactorTrust, Inc.
State: GA

Complaint narrative:
I mailed a dispute letter on XX/XX/2019 along with my ID Theft Report, and Police report, disputing inaccurate information found on my consumer credit report which was delivered to the company on XX/XX/19 per my USPS tracking receipt. As of today, XX/XX/2019, it has been more than 30 days, and I have not received any investigation results from my dispute of these erroneous items on my consumer credit report, and they still currently remain on my credit file. Therefore, in accordance with s.1629e ( 8 ) of the debt  collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete these inquiries from my credit reports, and send me a copy of the updated report as soon as it has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: OK

Complaint narrative:
Automatic payments were set to go out every two weeks from my XXXX XXXX  ( XXXX ) account to a student loan account with the Department of Education managed by Granite State. Payments were being made until the account was below a certain amount. Auto payments were stopped from XXXX XXXX to the Department of Education on or around XX/XX/2019 due to a lack of funds and XXXX continuing to send and then charging a insufficient account funds fee of {$17.00} on XX/XX/2019 and XX/XX/2019. XXXX advised me there was no way to not submit the payment if the account was below a certain threshold and auto pay would send the check or other means anyways even if the funds were not there. As such, auto pay was requested to be stopped so insufficient fund fees would stop. 

Shortly thereafter I started receiving phone calls from ( XXXX ) XXXX stating they were a payment company affiliated with XXXX and needed my credit card number to make the {$35.00} dollar payment since the last one had been returned. They had my name, phone number, and the amount of my last payment. I did not give them my credit card number and I then called XXXX XXXX  to ask about this. XXXX said they would investigate and I never heard anything back. I have blocked the ( XXXX ) XXXX number and that number is still attempting to call two to three times per day. The only way this company would have received my personal number and the payment amount is through XXXX XXXX. 

On XX/XX/2019 I noticed that {$35.00} was taken from my XXXX account via ACH noting the following : USDOE GRANITE ST RETRY PYMT. This was not authorized. I contacted XXXX XXXX   and they told me there was no way to verify if an ACH request was authorized by the account holder or not and that I would need to pay a {$30.00} fee to stop the payment. In addition, this payment would have put the account into a negative balance and another {$17.00} insufficient fund fee would be applied by XXXX XXXX if a new deposit was not made. 

Main complaints : - XXXX XXXX financial practices to recoup revenue on unwarranted insufficient fund fees - XXXX XXXX not verifying ACH requests are authorized ( acceptance on file, code sent, etc. ) - Department of Education or their affiliate using unauthorized means to collect payments ( ACH request, phone calls, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
The issue is complex and is outlined in the uploaded Documents - Illegal Discrimination Claims. 

Thank You XXXX XXXX XXXX XXXX XXXX

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 2019-05-10 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I recently tried to open and transfer {$10000.00} into Citi Accelerate Savings account with Citi and when they did not deposit the money into my Citi account from XXXX, I filed a CFPB complaint. In retaliation, Citi has now blocked access to login for my 2 credit cards with them. I have huge amounts coming due on my cards and I need the ability to login and make payment arrangements too from different Checking accounts. They have blocked access so that I default and get a hit on my credit bureau as well as lose money in Fees paid to Citi. I was able to login to my Citi online account TILL I filed the Citi Accelerate CFPB complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: TN

Complaint narrative:
In XX/XX/XXXX I used PRMG Loan Officer NMLS XXXX, XXXX XXXX to assist in closing on my home. I advise Ms. XXXX that I would NOT be able to afford a home with a monthly mortgage of over {$1000.00}. Based on this Ms. XXXX advised me of many things I could do to avoid a higher monthly mortgage. I paid my Escrow and taxes upfront to avoid this. Based on the number Ms. XXXX advised this would save me at least 350 per month with my monthly payment being {$800.00}. All money was paid before closing. When I received my first monthly statement due in XXXX due XX/XX/XXXX, it had a statement of XXXX a month for payments. I immediately contacted Ms. XXXX for clarification. She advised this was an error maybe due to my account being transferred to XXXX XXXX. I was asked to contact an associate at XXXX XXXX to have it corrected. A copy of my paid receipt was also sent to the mortgage company. As a result I was advised that I was still responsible for taxes and escrow monthly regardless of if it was paid in advance. The money collected would be used for next years taxes and escrow. I again contacted Ms. XXXX who apologized via email and took responsibility for the error. She said that she would have the problem corrected. This was 15 days before my 1st payment was due. 2 weeks later I emailed Ms. XXXX again for an update and in this email she stated that she provided me with incorrect information and due to her error she would pay the XXXX extra from her own pocket. After several emails, text, calls and help from my Agent XXXX XXXX Ms. XXXX has failed to respond. Ms. XXXX deceived and scammed me providing me with incorrect information which resulted in me signing to a loan I can not afford. This was intentional as Ms. XXXX and Ms. XXXX were aware I could not commit to signing with to a loan with mortgage over {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Claim against XXXX XXXX ( the world 's 36th-largest financial services company ), and its partner XXXX XXXX who have been sued and settled for insurance underwriting of homes and residential subprime mortgages loans. I secured my high interest loan from in XXXX. I have not been able to pay off my home that I have lived in since XXXX. I build the home on property my Dad ( a military XXXX XXXX XXXX  veteran ) bought in XXXX. I had a lost my saving and retirement due to caring for a very sick loved one from XXXX to XXXX. During that time I refinance my home and lost my job in XXXX. I have applied for various loam modification to reduced the high interest and help finish paying off mortgage. The company who services the loan for XXXX and is Ocwen. The give me wrong phone numbers an miss information. I have tried to work with them but I am not sure is they even read my complaint or work with my loan modification request. I am paying over 9.80 % on the loan. I was at {$25000.00} owing when I lost my job again in XX/XX/XXXX. I am trying to reestablish but they do not negotiate, and provide me with a list of HUD contacts that do not exist. I have complain before and they send me the same coined response without answering any of my question. I very behind on payments and do not want to lose house. I want a forebearance and they do not work with me. I want a lower interest and they do not work with me. I am filling this in hope of getting a resolutions and not a the same generic letter they send everyone. I also am very concern with your approach you do not look into violations but take what every the bank provides, I have not received help from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
Barclays financial has closed my account while I battled an illness and they continue to process payment attempts from my bank account without my permission which has caused me to receive multiple over draft charges from my bank. I do not have automatic payments set up and I have not attempted to make a payment or settle the account yet they continue to process payment attempts. I was told by a local attorney that their actions are illegal and I am wondering if I should obtain legal representation.

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 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MoneyLion Inc.
State: OR

Complaint narrative:
I tried to sign up for the MoneyLion product three weeks ago and it has been plagued with time out errors since. First they said they couldn't verify my identity with XXXXXXXX  but nowhere did I ever receive a proper FCRA compliant request for an authorization to pull my report. This wasn't an outright denial it was weeks of yanking my chain until finally I pulled every report I could think of and found that they did a soft pull of data using XXXX XXXX and XXXX  which they are claiming is " public data. '' I don't want the account now. I want all my financial information removed from their system. You should go audit these folks thoroughly for XXXX, XXXX and XXXX violations : among the risk factors that were evident that I could see in the process : Reputational : Willing to lie to a customer and risk the charter of their partner bank ( XXXX XXXX Bank ) to avoid the fact their product has errors. 

Operational : When a clear breakdown is brought to their attention - the absence of a in flight review and override process to timely review and correct does not exist Compliance. The account opening process is automated and lacks adequate quality controls to ensure that an actor with sufficient technological skill couldn't inject into the process. Staff do not possess adequate financial background to converse with the diversity of the customer base to discern the difference between a risk and a process failure resulting in a unhappy customer. 

As a disabled person who is putting their life back from a series of events this an event that I did not need. I could see this actually being far worse if I were not a former bank risk management officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Springboard CDFI
State: TX

Complaint narrative:
I was originally quoted a different price for an appraisal on the loan estimate. That price was raised later.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I had Financing 2017 Hyundai XXXX with Hyundai motor finance since XX/XX/XXXX I had auto pay from my Debit card they cat every months so do Car accident in date if XX/XX/XXXX so my car be Total loss Insurance company pay off my car I had stall to pay for Hyundai motor finance around XXXX $ to be pay off but I had Gap insurance I had contact with Gap insurance they say okay whe pay that amount so the Hyundai stop my auto pay from my account Wait out my promotion so the The Gap insurance doesnt pay anything so I was in vacation Out of country when I came back I hair that Gap And insurance doesnt pay anything Contact with Hyundai motor finance I pay off amount off {$2700.00} so I dont know why they put my credit to Collection agency right now my credit is going down I want to fix my credit again please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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