vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: GA

Complaint narrative:
On XX/XX/2018, I noticed that there were 9 transactions on my account when I woke up that morning I noticed these transactions were done between the hours of XXXX and like XXXX, while I was sleeping. I reported it immediately thru their automated system, I could not dispute the transactions until the opened at XXXX. The total amount that was taken out my account was XXXX, plus fees, this card was stolen by either my secretary or my sister, they were the only ones in the home at that time. Of course they are both denying it, so I have to dispute. These people have access to my paperwork in my home, which I do have a book that I have to write everything down in. I reported this immediately, now I have to wait 10 business days for them to tell me if they can issue a provisional credit to the account, the sad back is that I have a daily withdrawal limit of XXXX on my account, they can not tell me how or why this was able to take place. Reading their disclosure I have a zero liability thru XXXX, and I have a credit card, and when it means zero liability they are supposed t issue provisional credit during the investigation. I am so upset with the lack of customer service.

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 2018-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
XXXX XXXX continues to report an alleged debt of {$410.00} on my credit report under account number XXXX that the credit bureaus have removed three times now. This collection agency, nor the original creditor, have stated they have no records of me ever having an account with this company, XXXX XXXX, listed as the original creditor. It is also passed the Statute of Limitations, nor has it ever been properly validated. Yet this collection agency XXXX XXXX   and continues to re-report this debt after each time it is removed by the credit bureaus. This shows willful noncompliance and it is in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

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 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: AZ

Complaint narrative:
Attempting to collect a debt XXXX in bankruptcy, refuse to remove negative credit reporitng.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end of XX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.

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 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have worked on fixing correcting my credit which is depending on agency XXXX about. I filed for a Best Buy credit card notice sent for denial was because they could not confirm it was me, so I mailed a copy of my bill with my address and name on house bill house by the way I own outright. 2 letters sent asking what is going on one call, but never got a response which stinks to have what I believe is good credit and denied for not any known reason. I wrote them and scanned my home bill in my name only and its been over a month since this happened, but they never respond at all. I did check XXXX believe it was they sent me a report but could find no issue that in my opinion would of created this or an issue or if not given credit a reason other than then they can not confirm I am who I said I am. If issue, thought they would of asked or called me or responds a least to my inquiry so I know what the reason was verse having NO IDEA why they denied me credit. I am unsure of anything other than use or nicked my credit score a few points to apply and would of a least expect a professional response vs nothing, evidentially writing to them and asking them will not get them to respond or ask question if there was or is one.

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 2018-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Hello, below is the previous response from JP Morgan Chase Bank in regards to the initial inquiry : ******* We are unable to locate the CD account with the information you gave us. We are required to keep records of accounts for seven years. However, the information you provided shows the CD would have matured in 2001. The funds may have been considered abandoned or otherwise inactive after a certain period if they were not withdrawn. We can research this further if you can find and send us a bank statement or an IRS Form XXXX for the CD dated within the last seven years. Unclaimed funds are sent to the state of the account holders last known address on record by the bank maintaining the account at that time. You may want to search XXXX and XXXX to see if they may have a record of the CD account. 
********* I have thoroughly researched with the state of Oklahoma in regards to any unclaimed funds. They indicated that there weren't any funds from JP Morgan Chase Bank turned over to Oklahoma in my name. Additionally, if there were funds in such a large amount as {$10000.00} there would be no statute of limitations for how long the state would hold to them. Simply put JP Morgan Chase never turned over any funds on my behalf to the state of Oklahoma. 
Futhermore, I've also checked with XXXX they have no record of any money for me. 

I have been a member with JP Morgan Chase for over 20 years. Not only with banking but with my financial investments being managed by JP Morgan as well. In fact most of my financial needs ( XXXX XXXX military pay monthly direct deposit, credit cards, safe deposit boxes, checking, XXXX military pay, IRA etc ... ) all managed by JP Morgan Chase. During this time I've traveled all over the world with the belief my money was safe. Upon my XXXX as I was going through my old files is when I came upon the original Certificate of Deposit and the receipt showing the funds being withdrawn from my checking account to start the CD. A copy of all these documents was provided to JP Morgan Bank. 

When JP Morgan took over XXXX XXXX  is around the time that the CD records can no longer be located. The question remains, " What happened to my {$10000.00} CD? '' With all this in mind I find it unbelievable and  unacceptable the response and lack of effort to resolve this issue for a loyal customer. A multibillion dollar organization can't locate these funds or account for them? I believe they could if it really mattered to them. It does to me. 

In closing, I'm requesting that my complaint is made personally aware to XXXX XXXX XXXX, JP Morgan CEO, to help resolve this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had an auto loan with Wells Fargo Dealer Services - XXXX XXXX XXXX. During the course of the loan, WFDS added XXXX insurance to my loan, which increased my monthly payment. I kept making my monthly payment. It was showing I'm late, short, they repo my car! 
Not once but twice! The problem exists 2 fold : 1. Adding on a product which I did not sign up for thus making me delinquent. 
2. I make my payments at Well Fargo Bank, but they say they are not WFDS. They operate under Wells Fargo to the consumer, but in their eyes they are two different companies. That is fraud in it's self? 
I have been contacted by attorneys from PA. to jion a class action suit. But, I told them NO, I want to give WFDS an opportunity to settle it. 
WFDS sent me a letter in XX/XX/XXXX - we owe you {$1500.00}. A check will be awarded. 

I have NOT RECEIVED ANY CHECK AS OF XXXX XXXX, Can you help me? Also, under the TDPA don't I get triple damages and I'm a Senior citizen, they have ruined my credit. It's a mess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I requested a credit balance refund in the amount of {$7000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Citi issued a check in the amount of {$7000.00} on XX/XX/XXXX. Citi then stopped payment on the check without notice to me or good cause. This caused me to incur fees and costs with my bank. Citi refuses to abide by Regulation Z and fails to process the credit balance refund. The reason given is that there is an open dispute on the credit card 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 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one offered me a credit card with one interest rate, but has increased that rate mid-cycle. Also, despite my having paid {$200.00} on my balance of {$580.00} over the course of 2 months, the interest I owe has increased rather than decreased making me owe more than I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
Network Capital is calling me daily from different numbers. These are unsolicited and unwarranted calls. They do not leave a message. They do not stop calling even after told to stop calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CO

Complaint narrative:
I filed with CFPB on this already Case Number XXXX. 

I received an email today stating the case was closed because the Lender responded. The response was they have taken care of this matter. 
They have done NOTHING! I have still not been reimbursed. I have been lied to over and over that the check has been mailed. 
My insurance company still has not received any money from the Lender. 
This is ridiculous. I have spoken with every supervisor and customer service person there and each one of them tells me a different story. They have blamed the previous lender which is crazy as the previous lender sold the loan on XX/XX/XXXX and the Insurance payment was not due until XX/XX/XXXX. 
They told me they would send me a check. They did not. They told me the check would be sent to the Insurance company and was already cut..it was not and they did not send anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that XXXX is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling XXXX directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I signed up for a 0.0 % interest 6 month financing from American Express in XX/XX/XXXX. 

Every single bill since then I have had to call in because I am still being charged interest. I would call each agent at American Express and ask specifically WHAT AMOUNT DO I NEED TO PAY to keep my promotion and not be charged interest? They would tell me some story about some previous balance in XX/XX/XXXX ( although prior to this promotion I have ALWAYS paid my balance in full for the LAST SEVEN YEARS ). Each time I called the agents would tell me an amount I needed to pay to get rid of the balance that was being charged interest, so I would pay that amount plus more. The next bill comes in, and I'M STILL BEING CHARGED INTEREST for a 0.0 % financing promotion. None of my bills clearly stated the amounts I needed to pay to stop being charged interest so I kept paying more than the existing balance and more than the minimum. 
I tried to file a complaint with the agents at american express and no one has ever gotten back to me. I called again today and even the agents don't understand how I'm being charged interest or how the previous agents told me an amount that was not accurate to clear my bill. The latest story I received today was an agent " guessing '' that I was being charged interest because I signed up for their promotion in the middle of a billing cycle ... .again I AM THE CONSUMER how is it my job to decipher when I sign up for a promotion and how it affects my bill? If XXXX can not clearly and accurately bill me or tell me what I need to pay when I call, and I pay what they tell me to, this is not my fault. Clearly their system needs to be fixed. 

I find this a very misleading and unethical business practice, and if I am having this much of a problem that I need to call every month, I can only imagine how many thousands of other consumers american express is taking advantage of with their shady billing practices. 
They should not be allowed to advertise and have people sign up for a 0 % interest promotion and erroneously charge interest. If they are going to charge interest they need to be CLEAR AND PRECISE in their billing statements on the total amount that needs to be paid in order for interest not to be charged, because apparently every agent I called and spoke with had different ways of coming up with calculations and every time told me an incorrect amount. 

I don't have all of my past phone records but I do know that I contacted XXXX on XX/XX/XXXX and multiple times with various agents on XX/XX/XXXX which is also when I filed a complaint. And again today on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed an existing XXXX XXXX account balance with Experian- ref number for Experian XXXX and they refuse to update my account to reflect a XXXX  balance. They have stated that they contacted XXXX XXXX ( account number XXXX ) and that the company verified the account. 

See below .... 

Credit Report dated XXXX XXXX, 2017. Your request was logged as case # XXXX and is now closed. 

We have completed the appropriate updates as a result of our investigation. We strongly recommend reviewing your updated credit report. Should you have additional items or questions, please submit a new dispute referencing your now closed case. 

XXXX XXXX XXXX  account information has been verified with the creditor/ supplier : Our request to disclose the name of the creditor has been declined at this time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The Penalty fee is too much. For only 4 days of late payment. 

Dates : XXXX XX/XX/17 was the past due. I pay on XXXX. XXXX/17 I do require a credit for {$35.00} in my account. [ complete penalty ]

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 2018-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I wrote to the CFPB LISTING complaint under XXXX XXXX/XXXX Master Participation Trust Fund and XXXX XXXX replied with written correspond3nce that it was determined after careful evaluation that they are the TRUSTEE for the trust which they failed to specify. They say they only handle issues with the trust and the servicer on the mortgage is the one that has the authority to handle collections, issues of foreclosure, staus of mortgage which according to these fabricated submission of Documents is CALIBER HOME LOANS. Now in XX/XX/XXXX I was served judgement of foreclosure by banks firm XXXX XXXX, XXXX XXXX, for XXXX XXXX as Trustee for XXXX. It is my understanding the servicer is the one with legal authority to collect on said monies they are stating are owed. However in XX/XX/XXXX, I wrote to the XXXX and NYS Attorney General and Caliber spoke to XXXX XXXX XXXX from XXXX and they stated I wasnt even in foreclosure or near that point, so then how am I being served thru the justice system a judgement and complaint foreclosure, and the servicer according to XXXX XXXX is the on, y one with authority to issue such claims. XXXX XXXX respresentimg the trustee or the trust which I can assume is XXXX XXXX. Are they in collaboration with the TRUST then to legally foreclose upon the request of the Trust. They are choosing to file papers illegally listing XXXX AND XXXX on papers without Calibers Knowledge. XXXX XXXX has not been abiding by the laws that are suppose to protect me. They filed In XX/XX/XXXX motions to the judge that their filed papers went unopposed by me the defendant and my attorney and both of us never received any documents. That was a lie and they continue to engage in unethical practices as my attorney filed For Bankruptcy in Federal Court in XX/XX/XXXX/ XX/XX/XXXX and while in Federal Court they filed motions in XX/XX/XXXX ,XX/XX/XXXX ; and in XX/XX/XXXX motions while I was still in Federal COURT and have violated federal that should have kept me protected under Federal Law while in Bankruptcy Court.until we withdrew case in XX/XX/XXXX/XX/XX/XXXX. They filed papers in XX/XX/XXXX which I was never informed about according to the county clerks records and was notified in XX/XX/XXXX for NOTICE OF Sale. XXXX XXXX must prove to me and the courts they have any legal right to proceed and if they do they need to go back to when they illegally motioned the court while I was in Federal cCourt snd Caliber needs to confirm any dealing with there Law Firm and tell them to recuse themselves because of their lack of following Federal Law that protected me under a Bankruptcy Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
I was unemployed due to business closure for 18 months and got behind on my loan. I am currently employed and have tried to get a loan modification that will help me pay my current plus the arrears but I have been denied by XXXX XXXX. I want to keep my home and I am working three jobs just to get extra income to pay my mortgage and arrears, but XXXX XXXX  has refused to help me with a viable plan. They appear eager to foreclose my home and have stopped taking payments from me which has caused me to get further behind. I want to keep my home and make my payments as I did prior to my job loss. Any assistance you can provide will be greatly appreciated.

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