vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2019, I submitted a money transfer inadvertently to my ex-wife 's account. I immediately called USAA and tried to reverse the payment. As it was a USAA to USAA money transfer, the representative stated he could not cancel or retrieve the payment. I informed the representative, that this was to my ex-wife and we are not on amicable terms. I asked if he could reach out to her and request the transfer be reversed. He refused and stated even though it was a mistake it has been done. I then asked to speak the executive resolution team. After being on hold for 20 minutes, I was told they are busy and they would return my call later. As I work abroad, this was cumbersome at the least. After the call, I completed some research about whether I my ex-wife could keep the funds from the transfer and the banks responsibility. The bank is required to be your advocate and attempt to reach the other party to see if the party will release the funds. As of now, USAA has done nothing to assist and has failed to be helpful at all. For anyone else in this predicament, you have legal rights to obtain your funds for inadvertent fund transfers. The key to a return without legal intervention is for your bank to be proactive and advocate for you. Additionally, this is needed as proof if the other party refuses to return your funds. I am truly disappointed in USAA in this matter. I have been a faithful member for almost 20 years. I would assume the loyalty in itself would mandate at least a letter or call from the institution to the other party. I will be looking for other banking institutions that treat their members better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Hi I was having a GAP credit card. As my visa was not extended I called gap to close my credit account and they told I am all set. This happened on XX/XX/2019 and I travelled back to XXXX. Last month I noticed there was an amount XXXX charged on my credit card. So I tried reaching the gap via chat and email but they told they dont have any control since this this is managed by synchronous bank and they provided a customer care number, which is not reachable from XXXX and they dont have any email id to reach. I am still in XXXX and have not done any purchased, the fair deal is is wave these and close my account properly so that the card wont be miss used again. 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 monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I'm having heavy fraud. Noticing someone use my name in married form. I am single. I have no marriage in any state across the country or world. It should be XXXX XXXX XXXX anything else please run a report on both sides. I'm still without my finances and means to provide for my kids and myself.

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 2019-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I was seeking to utilize this lender for a new mortgage as a first time home buyer. Due to inconsistent information provided to me regarding state statutes, state options, and inconsistent information as well as frivolous advised to me in writing and verbally, I decided not to use this lender, my credit was ran for a second time again without my knowledge on XX/XX/XXXX by the same company and yet on my credit report it lists the company as " MISC '' vs their name. There was no document/ release executed by me that would have been valid to have my credit ran again by this party, they are NOT my credit union. Please have this noted. The loan officers name was XXXX XXXX. 

This consumer also has not provided me with ALL written correspondence/transmissons ( EMAIL AND OR VIA REGULAR MAIL ) between their company and XXXX XXXX XXXX. I have asked to see any and all information and discussions that took place between this company, loan officer and any other employee within their company and XXXX XXXX. This information was requested due to inconsistencies of an approval, I was told verbally ( phone log shows call ) by employee XXXX XXXX on XX/XX/XXXX @ XXXX that I was conditionally approved but I needed to provide more documents, she emailed me the document request and I complied. The next day the loan officer XXXX XXXX called me ( phone log can confirm ) on XX/XX/XXXX ( next day ) @ XXXX and advised me I wasn't approved with a different reason which was never mentioned to me. I asked XXXX why would XXXX tell me I was approved less than 24 hours ago and now he tells me something different and if I was denied please send me XXXX XXXX official denial of what was sent to him, he advised that he would. As of today I have not received this information. I believe my request to XXXX XXXX for downpayment assistance for my first home was DELIBERATELY SABOTAGED by XXXX XXXX, I make this claim because since I first advised XXXX I wanted to use this entity he was totally against it from the start to the end. In order to rule out if this was true I request the names of the parties that XXXX XXXX and XXXX XXXX conversed with XXXX   XXXX, I also request any and all correspondence between the parties. I then was told I wasn't denied but I needed to provide more information to XXXX XXXX. Obviously you can understand now the reasoning I am now filing this complaint. In addition inconsistent " numbers '' being provided by the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On Monday my car was removed from my apartment complex when my mother called me to see if If I was home and where I had been all day.i am three months behind on my car note but have been more than six months last year behind on my car note and caught up this year due to my pending XXXX case in regards to my XXXX XXXX XXXX. I did call ally they told me I would not be able to get my vehicle back unless I paid over XXXX. I explained to them once again in all the times I had been late that I am pending an Ssa case and receive XXXX a month. I originally took out my loan in XX/XX/XXXX. In XX/XX/XXXX I was taken off of work and notified ally in XXXX and XXXX for an XXXX XXXX. I am in the process with my attorney XXXX XXXX filing my appeal XX/XX/XXXX for my Ssa claim. I lost my job and have been reviewing long term payments since XX/XX/XXXX and continued to catch my car up when I could and always when I have got my taxes as this company has refused to help me refinance. In XXXX of XXXX I was behind, they contacted my mother my father my cousin XXXX XXXX, my aunt XXXX XXXX as well as my cousin. XXXX XXXX to leave them messages for me to contact ally. Since when does ally get all my families information and why are they contacting cousins aunts and parents regarding my loan? This is illegal as they are not the consigned of my vehicle and they continue to call me and then call me mom whose number is listed on the XXXX. In XX/XX/XXXX my payments became long term and went through XXXX solutions of XXXX XXXX. During my pending XXXX case every time I have spoke to them they would add to back of my loan or I would have to catch it up as always. I receive XXXX a month and XXXX total after taxes are taken. Ive told them number kid times I was pending XXXX from XX/XX/XXXX to current and that after taxes I the XXXX a month yet they continue to not work with and now have my vehicle. I have told them that my federal student loans were waived and they continue to not refinance but even now call my moms phone or my dads but then get XXXX with me for a XXXX pending Ssa case. I do not feel it is fair and feel I have been violated since my local XXXX doesnt help clients with children to catch required vehicles items during a disbaility. I called preferred XXXX where I originally bought the car to see if I had XXXX insurance or gap. I spoke with XXXX who even agreed to help refinance my car for lower payments at the dealership I went to XXXX miles away.

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 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
THE CREDITOR HAS ADMITTINGLY POSTED A LATE PAYMENT TO MY CREDIT REPORT AND HAS YET TO FIX THE ERROR.

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 2019-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC

Complaint narrative:
On 2017 i lost my high paying job and relize i coundnt pay the same house pay i was paying so i ask for loan mod, but was turn down so i hired a Layer to no avail, my back pay was XXXX XXXXnow its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
I do not owe this debt to this company. I was only made aware when it showed up on my credit report. The company could not show proof that the debt is mine. I have no knowledge of this debt and have never had any dealing with this company. The company couldnt provide the debt {$500.00} details. I refused to give out my personal information to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL

Complaint narrative:
The CRA is showing a collections account for {$130.00}. 

I spoke with the company in XX/XX/XXXXbecause information appeared on my credit report that was new. I asked the company to validate the information but they refused I spoke with XXXX XXXX on XX/XX/XXXX and explained that I DID NOT RECEIVE a letter and notice to dispute the account because the collection agency sent information to the wrong address. The collection agency failed to provide validation of the debt and continues to report inaccurate information to the credit bureaus. XXXX XXXX stated that there was another account with my name for {$530.00}. When I asked her where she had sent the notice she refused to state the date and the address that the notice was sent to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I contacted Ally on Friday XX/XX/XXXX after falling behind on payments due to being out of work for a short period of time due to an illness. I chated with a representative after logging into my account regarding my opitions to ensure I protect my credit and bring my account current. 

She advised me that before an extenstion could be done, I had to make a payment in the amount of {$270.00}. I reviewed my finances, as I am playing catch up on all my bills and made this payment on Monday XX/XX/XXXX. This rep advised me, once this payment posts to my account to contact Ally back for an extention or to have a payment deffered to the end of my loan. 

With this in mind, I contacted Ally again today and chatted with XXXX. I explained all of the above and the information I was provided when I chatted with the rep last week. She asked several questions and advised me that a one or two month  extension/deffered payment could be done however partial payment is needed! WHAT? She advised me {$230.00} or there abouts would be due within 10 days from me accepting the agreement and then the remaining bal of {$150.00} or there abouts would be due in XX/XX/XXXX. In XX/XX/XXXX, my payments of {$380.00} per month would resume. 

If this was the case, I SHOULD HAVE JUST BEEN OFFERED THIS WHEN I JUST MADE MY PAYMENT so that I could catch up on my bills. 

This company was working with XXXX in New Jersey which has since closed most likely due to illegal practices, they changed my loan company to this company after I had signed paperwork for another, kill you with interest rates and has NEVER once considered refiancing my vechile for a lower interest rate ( due to the age of the vechile other companies will not take it ) and THEY DO NOT WORK WITH 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 2019-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: TX

Complaint narrative:
Why is there a shortage in our monthly mortgage installment payments before the escrow tax was assessed in XX/XX/2019? 
The response includes shortfalls from XXXX, XXXX & XXXX, when we were paying hundreds over the amount owing to cushion the shortfall to be assessed. 
Why does the escrow shortfall amount and the monthly mortgage installment amounts due keep changing every time they are assessed? 
Why has the accurate amount not been reflected to this date when it has been 10 months? 
Why do we have late fees and adverse credit reporting when we have not had an accurate amount for shortfall and monthly mortgage installments? 
Why are our monthly mortgage installment payments not being credited to our account? 
Why do we not receive monthly mortgage statements before balance is due, with amount owed and payments applied?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Attempted to purchase tickets online to an event from an individual. After a lot of back and forth, I sent a payment in the amount of {$370.00}. The person " didn't receive it '', but conversations with XXXX and the bank and supports XXXX indicate otherwise. XXXX states that they do not provide protection in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Robert L. Tankel, P.A.
State: FL

Complaint narrative:
This is the second year that I receive a claim of lien from the same collection agency ( Tankel Law Group ) for not paying my hoa fees to XXXX XXXX XXXX XXXX in a timely manner. I have not received an email stating my HOA fees are due. Last month I received a letter in the mail stating that I owe XXXX dollars, when my yearly hoa fees are for XXXX dollars. Last time I didn't dispute it, I just paid the money. I'm going to pay the money and I have no problem with paying a penalty for being late. What disturbs me is that it appears that I'm being overcharged, and I wonder about the legality of the situation. I get the impression that my HOA company which is located in XXXX, fl has some kind of agreement with this collection Agency which is located in XXXX, fl. 

The first time I received a claim of lien was in XXXX, in XXXX i received an email from my hoa and i paid online, XXXX is the second such claim. I have an email trail for XXXX if that is required.

Company response to consumer: Closed with explanation