vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On my credit card ending in XXXX, It is now the XXXX of XXXX. I filed a dispute with Bank of America over three weeks ago. I had ordered some items from a company called XXXX online and paid {$70.00}. I NEVER RECEIVED THESE ITEMS. I thought Bank of America would stand behind me on this but they have not. They are saying it could take months to investigate the problem. In the meantime, I had contacted XXXX and they did not help. I told BOA that. I am paying for something I have not received. 
I have called BOA more than once and they seem unwilling or unconcerned about resolving this issue. I feel I have to report this here to try to get some resolution. I can not believe that BOA is not helping in a timely manner when a customer pays for an item and does not get 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 monetary relief
Consumer complaint received 2019-06-19 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had {$380.00} in my checking account with Bank of America. I paid off my Bank of America credit card bill of {$380.00}. Somehow the card got paid off twice. Now my balance was - {$380.00} on my credit card and - {$310.00} on my checking account. This resulted in my checking account having a negative balance. My debit card recieved an overdraft protection of {$400.00} which was a cash advance from my credit card, in order to pay for my credit card twice. To summarize I paid once on my credit card, got charged twice which gave me a {$12.00} overdraft transaction fee and a {$3.00} interest fee on the cash advance. I called Bank of America and they refunded me my {$380.00} back.

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 2019-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
( ( XXXX XXXX XXXX Family Trust w/Comerica-XXXX ) ). XXXX XXXX XXXX XX/XX/XXXX D.O.D XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX Tx XXXX. XXXX XXXX XXXX trust. XX/XX/XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Client # XXXX XXXX XXXX XXXX person in XXXX XXXX for the Trust XXXX informed it is over when my husband past away. Called comerica XXXX XXXX relationships Mgr XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX told me XXXX. would contact me. XXXX XXXX XXXX Trust & Estate advisor comerica Trust wealth MGT XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, MI XXXX. I kept calling everything took forever. Mr. XXXX contacted me to send bills. He paid nurses rest of bills went back and forth. Got tired & called XXXX XXXX Trust Adm. XXXX comerica XXXX. XXXX XXXX Mi XXXX called & returned call 3 way w/XXXX from N.Y informed me I was not client. I am the wife & exec.will. He left me stocks bonds cash and 1/2 houses. They hired XXXX XXXX new XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX ( XXXX ) XXXX. My relationship w/daughters destroyed. Will not pay secured loans prop. Tax Ins & recently pd XXXX/XXXX. I can not get XXXX/XXXX CC & lost benefits. This is a XXXX Trust & I am responsible ( XXXX ). Tax Comerica also missed paying XXXX XXXX in Tax & we were Penalize XXXX XXXX int/penalties.This is the worst experience Im my husband voice. He went to law school to see how to get rid of the trust that he could not trust. We never met or talk to the people handling my husbands family trust. I felt disregarded & bullied at the aged of XXXX. I pray and hope know one else go thru this kind of neglect and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Getting sick was the worst thing that I ever encounter in my life.The medical bills are outrageous and not affordable especially when you do not have insurance, The company takes basically calls and calls all day and night and I am sorry I never want to be sick again but I can not afford these bills, I am a single mom who pay check is completely gone due to fact that I have so many bills .I don't even have gas in my car for work what am I suppose to do at this point.Help please.

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 2019-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: AL

Complaint narrative:
On XX/XX/XXXX, I informed the Social Security Administration, that I am ready to collect my retirement money. On XXXX of XXXX a representative called me to confirm how I want to receive the retirement fund from the SSS, I have decided to receive my money thru a visa debit card by Comerica Bank, as I thought I would have easy access rather than my out of state bank. I understand I would start to receive my funds on XXXX one month later of my start retirement. 

The first transaction I used with my issued debit card was on XX/XX/XXXX from a merchant named XXXX XXXX XXXX which amounted into {$81.00} after making the first transaction I thought it was a scammer store so I have to call the card center and told them to stop payment on the card. The customer service told me to cut my card and stop using it, which I did but the payment went thru, and I did received the merchandise as well. from that experience, I learned that I have to pay {$13.00} to have my card sent thru XXXX. and also pay {$3.00} to replace the card. I also understand that I have to pay a fee if I will use ATM machine that are not network member. 

I am going to continue relating the transaction of the issued debit card by Comerica bank. On XXXX XXXX I did an ATM withdrawal from an ATM having a VISA logo to determine it was network member but I was charged {$2.00} on that transaction. on XX/XX/XXXX I made a purchase from XXXX XXXX XXXX market. of 1 {$110.00} On this day XX/XX/XXXX I have decided to take all my money out from this institution, so I made a withdrawal of {$3000.00} at XXXX and was charged {$4.00} total for the three withdrawals. On XX/XX/XXXX, I made an online purchase of items from XXXX XXXX of {$160.00} and another on line purchase from XXXX XXXX of {$100.00} this was the last transaction I have made from my Debit card. On XX/XX/XXXX there was a note from the debit provider of Debit Adjustment of {$270.00} I called and asked about it, but their answer was they are going to look at it and to stop using my card, at the same time they will send me a questionaire of fraud form to fill up so they can investigate what happened, in addition they told me I will recieve it in a few days. 
I never recieved anything from them but at least three times another new card issued to me. which means {$3.00} per new card. 

I called the Direct Express Fraud services department to relate to them about my demise, they have sent me some paperwork to fill up and signed and send back to them on XXXX XXXX. Until now I have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
XXXX XXXX XXXXXXXX this advertisement states that one person redeemed {$110000.00} in cash back in one year at 2 % cash back. that would mean she spent close to XXXX XXXX dollars and ad a spending limit of close to {$500000.00}. 

this is weird and blatantly false

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-06-19 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX 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 2019-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Prime Credit Corporation
State: FL

Complaint narrative:
Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and un-affordable, The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and un-affordable, The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I purchased a car in XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX, and registered the car with the XXXX  state. I changed my address with the XXXX  DMV multiple times. 
In XX/XX/XXXX, I paid off the car. I contacted TD Finance to get my title, but they kept telling me that the XXXX  DMV is not releasing it due to " unfinished transferring process ''. I contacted XXXX DMV and they stated that my transfer/address changed was done correctly, and there is nothing for me to do, TD Auto finance needs to release the lien so they can send me a new title. 
I contacted TD Finance again, and they insist that the XXXX  DMV needs me to finish the process and won't release my title, and continue to hang up on me every time I try to get them to resolve the issue. 
It's been close to 8  months since I paid off the car, and I am still unable to get my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
FedLoan  servicing has continually placed me into retroactive administrative forbearance on loan sequences 01 and 02 during times of repayment, while I have been employed by a PSLF-eligible employer, and even while my loans were being serviced by another federal student loan servicer ( XXXX ). In response to CFPB complaints XXXX-XXXX and XXXX-XXXX, FedLoan removed this retroactive forbearance status but in accordance with a letter dated XX/XX/2019 has reapplied it again. Additionally, in accordance with CFPB complaint XXXX-XXXX, XXXX, my prior servicer, verified that I was in repayment with them during part of the time that FedLoan seeks to retroactively claim administrative forbearance and erase my payment history. I am concerned that FedLoan is attempting to erase time during which my loan was technically in repayment status and that they continue to make this error over and over again with no end in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The state of Michigan listed my child support account as not paid and sent to collections in XX/XX/XXXX and paid and closed in XX/XX/XXXX. I contacted Experian and provided a printout showing payments of {$320.00} have been made every two weeks through income withholding. I have also sent a check for {$20.00} every two weeks. This printout shows payments going back at least 6 months. The record being reported is stating that XX/XX/XXXX is when the account began, however the support agreement with Michigan was opened in XXXX. They are intentionally trying to add this to my credit file with a recent date that is incorrect. 
It is beyond any reasonable view that an account that shows a decreasing balance each month, doesn't accurately reflect the payments that are DECREASING the balance. I provided this information to Experian, yet they are still reporting the account as being a collection and opened in XX/XX/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 2019-06-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized and unverified accounts appear on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Please reference CFPB Complaint XXXX-XXXX. 

Sixteen months after I discovered that Navy Federal 's removal of my name from the mortgage ( ' ... because we're not using your VA certificate. But don't worry ; nothing will change. ' ) meant that with the sudden death of my spouse in XX/XX/XXXX, access to anything about the mortgage including making payments became complicated and time consuming : NFCU finally completed the mortgage assumption paperwork after being educated by VA Loan specialists that they were legally prohibited from charging me closing costs or anything other than a {$50.00} transfer fee. 
On XXXX XX/XX/XXXX all the papers were signed and the assumption was completed. By the XXXX, everything was recorded. 
On/about XX/XX/XXXX I contacted NFCU Mortgage Department by phone and was advised by XXXX that the mortgage should show up in my online account no later than Friday, XX/XX/XXXX. 
It did not. I sent a secured message asking for the status and was advised that someone would contact me within five business days when the updating process was completed. That was on XX/XX/XXXX. 
No one has contacted me, the mortgage is not listed among my online accounts and I have no access at all now because the previous account number under my husband 's access has been deactivated. 
At least Navy Federal is consistent in their lack of timely contact and inability to process mortgage-related paperwork accurately. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Mortgage Assumption Online Access Navy Federal Response XX/XX/XXXX : Thank you for using Navy Federal 's eMessaging Service and for bringing this matter to our attention. We are currently updating your file in our records. An Assumption Specialist will contact you once this process is completed, within five business days. If we can be of further assistance, please let us know. 


Your Message XX/XX/XXXX : We completed the paperwork on XX/XX/XXXX and I received a refund check two weeks ago from the title company. 
Earlier this week I spoke with XXXX in the Mortgage Dept and she thought the mortgage should show up online by today. 
Nothing yet. 
Could you please check on the transit of the paperwork through the bowels of NFCU? 
I'd like to be able to make payments online instead of going through telephone representatives. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Since XX/XX/XXXX, I have been asking Trans Union to verify an account that is reporting on my credit file. Trans Union was asked to furnish me the documents they used to verify the accuracy of this account. I also asked for the name of the person verifying these documents. I have only received letters back saying the information has been verified. Trans Union has not met my request to show me the proof they have of this account belonging to me, nor have they sent me the info of who verified it. I asked the debt collector for proof and they were unable to show valid proof of a debt owned so I am curious as to how Trans Union was able to verify a debt that the debt collector could not. The debt collector sent me a printed agreement with no signatures or print from me. A blank agreement/contract is not proof of debt ownership. Also, the date on the bottom of the agreement says Version Date XX/XX/XXXX but the company is alleging i signed this agreement on XX/XX/XXXX. Clearly the agreement was printed AFTER XXXX so this is not the original document.

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 2019-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing LLC is unable to provide a payoff request or deed or reconveyance on a HELOC which they did debt forgiveness on XX/XX/XXXX. I started the process to request this on XX/XX/XXXX and Speciliazed Loan Servicing LLC said it would take 30 days to get a response and after 30 days, I have yet to get a written response from them and it is now XX/XX/XXXX. 

Timeline : 1. Specialized Loan Servicing LLC issued a 1099C in XXXX for Acct # XXXX dated XX/XX/XXXX for {>= $1,000,000} for cancellation of debt The loan was for a HELOC on XXXX XXXX XXXX in XXXX CA XXXX. After they issued the 1099C, they should have also completed a Deed of Reconveyance for recordation with the County Recorder and should have sent me a copy. They never did this. 

2. On XX/XX/XXXX, I called customer service # on my 1099C for XXXX. That # is XXXX. 
I spoke with XXXX # XXXX who informed me to send in an email to and provide a handwritten letter stating : " Still showing a lien on property no longer owned and please issue Deed of Reconveyance. I emailed this letter to XXXX as instructed. XXXX informed me it will take 30 days to get a response. 

I emailed them as instructed : a handwritten authorization, the 1099C - XXXX for the Cancellation of Debt, and the preliminary title report showing the forgiven debt still showing as a lien on XXXX XXXX XXXX. 

3. On XXXX, I called again and requested a supervisor call me back. XXXX # XXXX and confirmed they received the email and my letter was acceptable. 

4. On XX/XX/XXXX, I spoke with XXXX # XXXX to get an update and said should ask for CC3 to expedite. 

5. On XX/XX/XXXX, I spoke with XXXX # XXXX in CC3 and asked for a supervisor but they couldn't contact me with a supervisor. 

6. On XX/XX/XXXX, I called CC3 and spoke with XXXX # XXXX for an update and informed file is in archive and will take awhile for a Lien Release and would send an email to that department. I asked if I could speak to that department or get an email backed and I was told no. 

I am asking the Consumer Protection Finance Board to have Specialized Loan Services to issue the Deed of Reconveyance to be recorded with my local County Recorder and provide me with a timeline. 

I am asking the Consumer Protection Finance Board to fine Specialized Loan Services for their incompetence. 

I am asking the Consumer Protection Finance Board to have Specialized Loan Services to provide me with a written update on my request with an executive level contact.

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