vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
To whom it may concern, This is my fnal complaint to be filed regarding this matter, I am recording the history of this interaction as a means of protecting others from the improper actions of USAA Investment Group and USAA Insurance Administrative personnel. As detailed in the referenced comaplaints, XXXX Date submitted to CFPB : XX/XX/2018, and # XXXX, Date submitted to CFPB : XX/XX/2018, USAA Investments Servrces did not offer any form of corrective action for the mishandling of my investment account ( undue fees withheld, collection of undue backup withholding, and untimely processing of transactions ). Instead of admitting and correcting their mistakes they retaliatedby closing my account and informing me that they " would not ducuss the matter any further '' ... The account was closed before it was liquidated and to add further insult, they still could not properly perform trades and dispense the funds derived from the trades. The closed account received even more restrictions, my funds were withheld and I was charged a fee once again for their ineptness!!! It took approximately three weeks ( XX/XX/XXXX thru XX/XX/2018 ) to conduct the trade for closing of my account. I was truly amazed that only two ( 2 ) of the employees who handled ACh and Wire transfers actually knew the procedures for completeing the transaction. Thank God for XXXX and XXXX!! 
I am still due funds from USAA ; but, the administrative staff will not acknowledge their errors ... The internet is full of legitimate complaints from military families and consumers regarding similar activity at USAA. What can be done to coerce USAA Investment Group to be more mindful of how they interact with their customers! Afterall, without customers, can a bank survive?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: Franklin Collection Service, Inc.
State: VA

Complaint narrative:
Franklin Collections is reporting on behalf of XXXX XXXX XXXX stating that I owe XXXX for a past bill. There only supposedly bill for a month that I had already cancelled the service, I moved out in XX/XX/XXXX at that time the service was cancelled and the equipment sent back. XXXX XXXX XXXX was aware that I moved. Yet they allowed Franklin collections to unlawfully collect place on my credit report with out giving me a chance to dispute or rectify. I have not recieved any call or mail concerning this account yet it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom it may Concern : XXXX XXXX XXXX  XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX   for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX  or Receivables Performance sold that account to XXXX XXXX XXXX  XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage. XXXX   XXXX has a copy on file of my police report and other documents I mailed to them referring to this account as XXXX XXXX {$710.00} with was deleted. It's clearly that these accounts are one in the same so why was it reposted under a new collection agency name. This is SHAMEFULL and incompetent on Transunion 's part and needs to be fix ASAP!! Thanks in Advance.

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 2018-10-05 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: Columbia Credits, Inc
State: ID

Complaint narrative:
We owned a house : XXXX XXXX XXXX XXXX XXXX Oregon. In XX/XX/XXXX my wife signed a landlord agreement stating that the electric services from XXXX County would return to our name at tenant move out. 

In XX/XX/XXXX I had a XXXX XXXX which bankrupted us, we file for bankruptcy XX/XX/XXXX and was finalized XX/XX/XXXX- The house in question was surrendered to the XXXX  XXXX XXXX on that date by court order. Evidently the bank had a tenant there and upon their moveout the electricity went into my wifes ( XXXX ) name- XXXX XXXX XXXX did not change the utilities evidently- So the bill kept growing to {$150.00}. before shut off in XX/XX/XXXX a full 1.5 year after we did not own the home. We recd no notification this service was in our name nor delinquent. In fact we called everyone involved with our ownership and cancelled our service XX/XX/XXXX. 
Then we find deleterious credit information was posted on my wife 's credit report by Columbia Credit XXXX XXXX XXXX XXXX. XXXX XXXX, Or for over {$270.00}! I called them and explained we did not own the house in XX/XX/XXXX nor the landlords by definition, as you have to own the property before you can be a landlord. In addition XXXX court and sheriff department knew our address as the house was handled through them so very little effort was made to inform us on any issue. 
the facts we did not own the home after XX/XX/XXXX, we were never contacted, before posting deleterious and untrue responsibility to my wife 's report- we did contact XXXX county by phone informing them we lost the house- All they had to do was contact their own county office for our information or google my name it pops up first page with our XXXX XXXX, OR address

Company response to consumer: Untimely response
Consumer complaint received 2018-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have a student loan that I took out in XX/XX/XXXX. I've been making payments on this loan for almost 10 years. The original loan balance was about {$7600.00}. My balance is now about {$5700.00}. I looked at my loan payment history at Navient and found out that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and some of XX/XX/XXXX, my entire payment was applied to interest only. I talked to Navient today, and they told me that in XX/XX/XXXX, I signed a graduated repayment plan agreeing that my entire payment would go to interest only. I can't believe that it is legal to keep a person in debt this way. I want an adjustment on my outstanding balance with Navient to reflect that previous payments should have been divided between interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX I filed a dispute through XXXX for 2 Barclay card credit cards I had charged off. Reason for filing was that I wanted to pay off my debt but they refused to accept my money, nor would they tell me who owns the loan now. They took my number down and promised a call back, which never happened. On XX/XX/XXXX XXXX  reached out to Barclay and they slapped me with 2 years worth of late payments in one day, which were not on my credit report before. I have been attempting to payoff that debt for over two years with no success.

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 2018-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dates spreadsheet ( more details ) is included in attached documents in an XXXX document. 
Loan amount {$25000.00} | XXXX Loan taken out XX/XX/XXXX Money withdrawn/spent XX/XX/XXXX XX/XX/XXXX - Message Center XXXX contacted Mortgage Dept. denying knowledge of HELOC, and is aware of her mental state ( This is after/when she was FINALLY getting the medicine she needed to help her XXXX and XXXX XXXX ) XX/XX/XXXX passed away XX/XX/XXXX XX/XX/XXXX XXXX  problems begain XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XXXX became XXXX XXXX and XXXX. Admitted to hospital. XXXX XXXX. XXXX County made me the home owner beginning this time. I was the Remainder-man and beneficiary of the home based on a Enhanced Life Estate Deed submitted to OCPA in XX/XX/XXXX, Notarized by a friend of the family within our neighborhood ( name excluded per instructions of your site ). 
**** I have also asked for a change of address, I have faxed with successful confirmation, and certified letter sent requesting this change, and Bank of America has neglected to make this change. I followed their instructions to the letter. 
**** I have requested and filed a complaint with Bank of America on numerous occasions for the Fraud Dept. to contact me and per their own policy this should happen within 48-72 hours. Nothing has ever happened. I have 0 text messages, 0 emails, 0 phone calls from this dept.. I have a letter about a credit file dispute which is NOT what I was requesting. 
**** I have multiple recorded phone calls from Bank of America about this matter with appalled employees from within shocked no one has reached out regarding this matter. 
**** Now they are trying to collect from me for this fraudulent HELOC. 
**** I have never received a single bill or statement nor have I been given any notice of foreclosure by Bank of America.

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 2018-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2018 ; my XXXX XXXX was deemed a total loss after it was involved in my house fire. BBVA Compass bank took almost two months to send the required documents to my insurance company in order for my insurance company to pay my loan off. During this time, BBVA Compass Bank reported missed payments on my auto loan to credit bureaus. The first time my insurance company contacted them about the loss of my vehicle, they did not report it as a total loss. It wasn't reported as a total loss until almost a month after the fire when I contacted the company myself. On XXXX18, BBVA Compass was contacted by my insurance company ( XXXX XXXX XXXX ) at which time they ensured my insurance agent that they would email the title to my charger and the certificate of guarantee. On XXXX18, my insurance agent called BBVA again because they had sent the title and the letter of guarantee. However, the letter of guarantee did not have the payoff amount listed on it, which was supposed to be filled out by BBVA Compass. BBVA Compass ensured my agent that they would send the corrected letter of guarantee by the end of the day. On XXXX-18, my insurance agent contacted BBVA again because they had still not sent the the letter of guarantee with the payoff listed. On XXXX-18, BBVA sent my insurance agent another copy of the title. At this time, I called BBVA Compass Bank myself and they assured me that they would send the corrected letter of guarantee by the end of the day. On XXXX XXXX, my insurance agent was finally able to issue a check for my totaled vehicle. During the time it took BBVA Compass to send my insurance company the correct information, they reported missed payments on my account to credit bureaus. When BBVA Compass received the check from my insurance, they backdated it to XXXX ( the original month of loss ). However, they have not taken the " missed payments '' off of my credit report. When I called to inquire about this, I was transferred four different times and then told I had to email the total loss department and wait on a phone call from them. This company has put me through the ringer and I can't even get in touch with a person to dispute these charges. My insurance company would've had the car paid off within a week if BBVA Compass would have sent all the information to them in a timely manner. Now my credit score has dropped because of this company and their customer service has been of no help throughout this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
Attention : Please include this along with complaint ( XXXX XXXX Ford Motor Company.

On my last attempt to resolve this ( please provide me with the audio recording ) I contacted Ford Motor Credit on approximately XXXX. 

Ford Credit repeatedly criticized me for utilizing Ford Roadside ans continued to blame me stating : " why didn't you call your insurance to tow? We don't do that type of towing so Ford is not liable. Next time call your insurance. '' This is a true testament as to how Ford Motor Credit abuses its customer 's. Because I am XXXX they bleieve its easier to just conduct themselves unprofessionally, unethically, and down right illegal. I am sure there are law in place protecting special populations such as those with XXXX like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX we filed a chapter XXXX bankruptcy. The mortgage company submitted a claim for the arerages and the ongoing monthly payments. The bankruptcy closed at or around XX/XX/XXXX. They are now charging {$28000.00} " in fees ''. I have made numerous attempts to get someone to explain these charges and if these were indeed owing why was it not submitted as a claim during the claim period of the bankruptcy. 

I have made numerous calls and received promises to have someone call me back. I have not heard back from anyone. I have written requesting this information ( several times and recently sent a certified letter about 5 weeks ago, again no response. 

I am currently paying 11 % in interest. I need to re finance at a more reasonable rate and I need this matter cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: DE

Complaint narrative:
I moved out of XXXX XXXX XXXX ( XXXX : XXXX XXXX ) in early XXXX, 2015. On the Move Out Statement received from landlord after I had moved out, I was charged an additional {$1000.00} full rent for XXXX, when I only remained a few days, and should have been charged a pro-rated amount. They also charged me for a full month of XXXX rent. Additionally, I did not have a current lease in place ( renting month to month since last lease was never renewed ) but was charged a {$1000.00} Rent/Lease Break fee. A lawyer even suggested I take the landlord to court because I paid my rent despite the sub-standard conditions of the apartment, including lack of air conditioning and basic heat. They claim I owe {$3000.00}. I have disputed this amount several times, with no satisfactory response. They also kept all of my security deposit of ( {$1400.00} ) and pet deposit money. This should have been more than enough to cover the pro-rated rent for XXXX. 

Delaware 's Attorney General XXXX XXXX filed a litigation against the landlord alleging violations of the Consumer Fraud Act. Tenants reported numerous complaints of heating and air conditioning problems, broken appliances, plumbing issues and lack of response to maintenance calls. Images of the inside of my apartment are attached to show you what I'm talking about.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My wife passed away XX/XX/XXXX. I was unaware of this card carrying a balance and realized it when I pulled my credit to buy a home. I called to pay them and asked them to resolve it and they said they would fix it. They still have not fixed it. I called again XX/XX/XXXX and they said they have fixed it and they haven't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I pulled my credit report 8 months ago ( and again yesterday ) XXXX XXXX XXXX shows 2 accounts in collection ( they are not listed as original creditor ) I requested full validation of debt, and after 8 months of requesting it or demanding removal, they still have done neither, in full violation of FCRA. They have not validated because they can not. When I file complaints, they respond that they have validated so, since they claim they did, and I claim they have not, I request they send full, complete validation to you, if they fail to include in their reply to you, they must remove any account they have listed from all 3 of my credit reports in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, its trying to collect on a credit card debt of more that 7 years. 
My clients number with them is XXXX Convergent account XXXX Creditor XXXX They have applied outrageous interest and charges to the original amount. 
I have asked to received and statement detailing charges, but have never received them. 
Also I understand this was charge of by the Original bank and I understand unless specified in the original contract ; they forfeit the right to charge handling or any interest after charge off.

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 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
They've sent me a resolution agreement letter offering me to pay a lesser amount in order for them to stop harassing me ... ... .Here is the information of the offenders ; When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DEBT REC SOL. The original creditor was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been trying to open an account with Wells Fargo but they won't let me. A fraudulent check was put into my account that I did not know anything about. I do not know who the person was. I was robbed in XX/XX/2015 and Wells Fargo put the blame on me, they have been saying I can not open another account for 7 years and some representatives told me I can't open another account ever again. I feel like that is highly unfair to 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 non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Recovery Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of Financial Recovery Services , Inc. XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). Financial Recovery Services , Inc. lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation