vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 I received letter changing credit card ( USAA ) fees. Cash Advance Fees  would be fixed at 3 %. On XX/XX/2019 I received promotional " convenience '' checks ( USAA ). The letter clearly noted these checks carried a {$75.00} maximum per transaction Fee. The promotional letter has no expiration date. 

On XX/XX/2019, I cashed a convenience check, provided with the XX/XX/XXXX promotional letter, in the amount of {$30000.00}. USAA charged me a cash advance Fee in the amount of {$900.00} or 3 %. 

I contacted USAA directly. USAA refused to honor the XX/XX/2019 promotional letter and referred me to the prior XX/XX/2019 change of terms letter. I believe this to be misleading if not fraudulent, and, quite frankly, I am shocked given my 25+ years of banking and insurance experience with USAA .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
Advertisement and Soliciting : I received an email this morning from XXXX XXXX with an offer to receive a {$2500.00} ( XXXX XXXX and XXXX XXXX Dollars ) Statement Credit if I close a Mortgage Loan through 'Quicken Loans/Rocket Mortgage '. The issue is with Quicken ( not XXXX XXXX ). 

I am pretty sure its illegal to Solicit Mortgage business with an incentive of 'Cash ' or 'the Like ' if a consumer uses the mortgage service. There are a ton of small lenders nationwide that get in trouble with advertising and soliciting. In yet, somehow, the biggest Mortgage company in America can be this bold in soliciting business with a 'Cash or the Like ' incentive. With an email offer from one of the biggest Credit Card companies in the world. 

How does an offer/incentive, with a company as big as such, get to this point without anyone checking to see if they can even do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: WA

Complaint narrative:
I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX  XXXX XXXX IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN 2002 AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.

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 2019-10-23 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: WA

Complaint narrative:
I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX  XXXX XXXX IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN 2002 AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.

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 2019-10-23 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the 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 2019-10-23 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the 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 non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Hello, I just learned from SunTrust customer service that they charge daily interest on overdraft amounts from deposit accounts and make it very difficult -- intentionally obviously -- to pay the amounts back so the usurious fees may continue being charged into perpetuity if all goes to the business plan. There is no way to pay the overdraft amount back without paying the entire balance of the credit card! This is predatory and just a way to generate unfair interest charges by making it very difficult to pay back the debt. I think the disclosure is also inadequate or unclear to consumers. 

See the link here to the FAQ on how to set up a credit card overdraft feature. There is NO DISCLOSURE of the 26.99 % rate or the most important fact that it can not be paid back short of paying off the full balance of the card unrelated to any overdraft balance. 

https : XXXX Can you help to require SunTrust to provide a way to pay ONLY the amount overdrafted and to stop the usury interest charges. I would note the bank will say they " have no way '' to divide the balance for payment, while at the same time they charge much higher interest for the separate balance! 

These fees were most recently charged XX/XX/2019 to my personal credit card with SunTrust. The account is in my name. 

Thank you for your attention to my concern. 

Regards

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 2019-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I requested a dispute on the collection debts on my account.These are not my debts.I have no knowledge of these accounts.They belong to some other individual but are not mine.The disputes were completed under falsification.

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 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I have opened account properly with banker at branch, and were signed under their ads. I was requested to have more than 3 bill pays, mobile payment and e-statement to get total of XXXX  bonus. 

After I finish the requirement, they gave me XXXX bonus instead of XXXX they agree with. I've contacted over the phone and send secure messages, they confirmed I met all requirements but they told me I just have to wait, since the term said the bonus may posted up to 60 days. 

I have to wait as it suggested, now it turns out they did not honour the bonus as they promised over the phone, instead they closed my checking account, even there is still a balance of XXXX.on it. Before they close my account, they did not send me letter to sign and currently I have no idea where is the rest of my money are. I called their customer service and send secure message to them, neither of them are helping me but asked me to go to and only go to the branch where I opened my account, given the fact they have so many branches but they specifically requested I have to go to that only one account, that is annoying and really make me sad. 

As a XXXX, it would be really hard for me at this term to reach to them physically in the branch, so I tried call them and they said they could not help me unless I am in the branch. And even they could help me with my account, since the account was closed, they would not going to give me the rest of bonus money. I am really frustrated, I feel very bad about how they handle the case and kick me off from one stop to another, but eventually they ate up their words, not honour the term of the paper said. I have a clean record on XXXX on my banking side, I do not understand why they are doing it. It did say I have to have the account when the bonus arrived, but I did not close myself and I do have a positive balance, so I do not think they should close my account use that to term to against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: WA

Complaint narrative:
PLEASE REMOVE THE NEGATIVE ACCOUNT FOR XXXX  XXXX ( COLLECTIONS ), WHICH AFTER SEVERAL ATTEMPTS, I MANAGED TO GET THIS ACCOUNT REMOVED OFF OF XXXX. NOTHING HAS BEEN DONE BY THE OTHER AGENCIES IN REGARDS TO THIS MATTER. THIS ACCOUNT HAS BEEN REALLY AFFECTING MY GOALS AND STANDARDS.

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2019 I went to one of Bluebird money pass a bank where I have been going for the past 6 years and was recommended to me by bluebird to avoid atm fees as I inserted my card to withdraw {$400.00} transaction was ok and then reinsert my card for an additional {$100.00} the machine gave a receipt stating my transaction was invalid so when I checked my bluebird balance the {$100.00} was missing, now my account is {$100.00} less than. when I contacted their customer bluebird service super rude btw, they said it has to be disputed and it could take up to 45 days and they also said for me to contact the bank atm which I did the bank teller said contact Bluebird. Not fair since I have bills to pay as a single parent working hard. They can only contact me through email that is mine why should I wait for so long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I obtained my loans while I was a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was paying them back, but then in XX/XX/XXXX I was convicted of a XXXX. I lost my job and many sources of income. For the next 14 years, Sallie Mae ( now Navient ) gave me forbearance after forbearance knowing full well that I would never be able to pay them back. I even told one of the representatives that I knew what they were doing ... they were giving me forbearance 's so they could stick many more late fees, penalties and more, on me for the taxpayers to pay when they finally couldn't do it anymore. My other loan from HEAL was taken to court and they obtained a judgement against me ... this was back in XX/XX/XXXX. 
I just wanted you to know, because I saw that you are suing Navient for doing this same thing to me. I am a victim in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The company advertises a credit card ( Savor One ) with rewards and a cash back offer. The cash back offer is very generous. However, Capital One would never have to honor this offer if a large percentage of applicants are denied. I was denied approval of this credit card despite having an exceptional credit history and score. Within minutes of the declination email from Capital One, an application was submitted to XXXX XXXX   XXXX XXXX for one of their advertised credit cards. XXXX approved the application. 

Credit card application ( ID # : XXXX ) submitted to Capital One on or shortly before XX/XX/XXXX and subsequently denied. 

Called Capital One customer service shortly after XX/XX/XXXX with no positive result. 

On XX/XX/XXXX a complaint was filed with the XXXX XXXX XXXX serving the XXXX, VA area. XXXX ( XXXX ) from Capital One responded to the XXXX complaint with a letter dated XX/XX/XXXX reaffirming Capital One 's position to deny the application. This response to the XXXX was generated after a very brief telephone conversation between me and XXXX with no chance of reversing the decision to deny credit. 

I firmly believe the denial of this application goes beyond information contained in a credit report. One must consider this process as an " unfair and deceptive trade practice '' or some sort of discriminatory practice against retirees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
We started our Title loan in XX/XX/XXXX for around {$2600.00} we told them we would have the {$2600.00} to payoff in XX/XX/XXXX they said ok that would work, while making {$410.00} payments a month which we agreed to. XX/XX/XXXX came and I called in to pay off the amount we borrowed and they advised me I would need to pay {$3400.00}, that was not what was agreed especially since we were making payments too. They said sorry that is what is due so we've still continued to pay the {$410.00} a month and this summer XX/XX/XXXX I called to see payoff amount and it was even more, how is that possible when I have been making payments I have paid {$3700.00} so far on a {$2600.00} title loan and I am told that the payoff amount will continue to go up. I was never told any of this when we signed the paperwork or I would have NEVER gotten this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: National Collection Systems, Inc.
State: MO

Complaint narrative:
I had a {$300.00} tuition balance issue from XXXX XXXX College of XXXX  XXXX end up with a collection company National Credit Management XX/XX/XXXX. After finding out about the collection and speaking with the school XXXX and to National Credit Management I was informed that if paid the collection would be deleted off my reports. I paid this debt on XX/XX/XXXX under the condition PAID FOR DELETION. However, this debt still shows as a collection account on my credit reports. I have spoken to National Credit Management and they state I have to speak to XXXX and when I call XXXX  they state I have to speak to National Credit Management. I am getting the run around after I did what I was supposed to do on XX/XX/XXXX so they need to honor their PAID FOR DELETION agreement. I've since graduated from XXXX and now back to fighting this battle to get this handled as accordingly. I have recently written a letter to several directors at XXXX and left a message for the dean 's office since National Credit Management will not do what they are supposed to do. They are the reporting company to my credit reports. Companies should not be able to treat consumers this way. I did my part so their part needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am attempting to close on the sale of my house in DC. In 2003, before I bought the property Wells Fargo Bank placed a lien on the property. The lien was placed in error and should have been on another property owned by the person who sold me my house. It existed when I bought the house but was indemnified and told to purchase title insurance, which I did. At the time, I assumed the error would be corrected by the title company I was using ( XXXX XXXX ). It was not corrected, and is now holding up the closing as I am attempting to sell my property. Wells Fargo has admitted its error, but as not corrected it yet. The processing error of the refinance is causing me material damage. I have to pay the interest extension until the property is cleared. It is also holding up the closing of another property in Maine that I have purchased, not to mention increasing my storage costs for my personal property since I have moved out of my house anticipating the closing. I am in limbo staying with family until the matter is resolved.

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 2019-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been attempting to settle the forebearances and default on my student loans for 10 years. I have answered my phone, cooperated with both XXXX and XXXX  XXXX   XXXX by filling out forms, returning their forms, calling customer service, speaking to customer service, but they have refused to process anything I have sent, and have wasted 10 years of my time. My payments and treasury offsets for my tax refunds are not showing up anywhere, despite the fact that my Federal refunds have been garnished for 5 years. They have harassed me with daily mail, phone calls, and wage garnishment notices, while refusing to give me a hearing. I was in the class in a class action lawsuit in Virginia against XXXX XXXX XXXX, and they were ordered by that court to cease and desist the fake wage garnishment notices without first offering a hearing. They have now blocked my phone and email from any further communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have opened 4 disputes with Equifax about wrong late payment with my XXXX account. 
All other bureaus do not report these late payments. I have contacted XXXX credit bureau and they resent the correct information to Equifax at least 2-3 times. 
Equifax does not seem to care to properly check what was sent to them Last report sent from XXXX to equifax was on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: WA

Complaint narrative:
PLEASE REMOVE THE NEGATIVE ACCOUNT FOR XXXX XXXX  ( XXXX ), WHICH AFTER SEVERAL ATTEMPTS, I MANAGED TO GET THIS ACCOUNT REMOVED OFF OF XXXX. NOTHING HAS BEEN DONE BY THE OTHER AGENCIES IN REGARDS TO THIS MATTER. THIS ACCOUNT HAS BEEN REALLY AFFECTING MY GOALS AND STANDARDS.

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