vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I purchased an item online and within 10 minutes canceled the order. In XXXX my account was charged for {$70.00}. I contacted USAA to inform them that this charge is not valid and that the item was canceled. I was told a dispute was entered and a refund would be placed on my account. On XX/XX/XXXX my account had a withdrawal of {$70.00}. Contacted USAA and was told the transaction was valid and payment was rendered. I again explained that I didnt receive the item nor did I authorize a payment. I was told the dispute department made the decision and that they will contact me. I have not heard anything and only want this transaction reversed and money put back into my account. I also want USAA to stop pushing payments thru without contacting the consumer that a decision was reached. This happens often with this company and I have fought with them numerous times regarding issues like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
They call on a daily basis, sometimes two or more times. I have sent several letters explaining my situation and telling them not to contact me or anyone else. They keep calling and calling. I have blocked them. They do not have a call back number that shows up on my phone. 
I have documented the following dates and times : XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX and XXXX XXXX. 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX and XXXX XXXX. 

This is only a small list of a myriad of phone calls that goes back months and months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I moved out of an Apt . complex back in XX/XX/XXXX. I left a forwarding address with the company to contact me if needed. I just received a Notice of Debt in XX/XX/XXXX regarding monies supposedly owed, without a detailed explanation of why they money is/was owed. This has now affected my credit score. I was not given the option of making payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was left a phone message indicating I have to call Bank of America back urgently! The phone number was XXXX to speak to XXXX. She didnt even know why she had left a message. She kept harassing me about my personal information. She was mad That I didnt want to give my personal information and social security number. Finally she indicated something about a car loan. I dont even have a car. Bank of America should stop scamming people. This fraud, Harassing people of car loans when they take public transit.

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 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX and XXXX is trying to collect a debt I have with American Express. They claimed to have sent several letters. I received one. I attempt settlement. They asked for a large lump sum when I said I couldnt they offered a large monthly payment. They said they would sue me, take my home, garnish my wages, call my employer and seize my accounts. They told me to sell my things and clear my bank to pay them. I was told they would ruin my credit if o didnt come up with the funds. 
I have been working with a settlement company who told me they would help. XXXX will not speak or deal with them. I have had horrible stress and illness due to their tactics. 
I was served papers on XX/XX/2019. I responded XX/XX/XXXX. 
XX/XX/XXXX notice of submission was sent. 
I have a court date on or after XX/XX/XXXX. I have yet to receive anything for my review as I can not access my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of this year Chase withdrew money from my escrow account to pay my property taxes. However, they also withdrew money to pay for another property that I do not own or has any connection with me or my account. 

This left me in an escrow shortage and they have adjusted my monthly payment to reflect this as well. I called to explain their mistake, and they took two weeks but finally managed to remove the incorrect parcel from my account. 

However, they are not refunding the erroneous tax payment they made from my escrow account and are instead " waiting '' for the local municipality to refund the money. 

From my perspective, Chase, without my immediate knowledge or permission has misappropriated funds from my escrow account and now I am stuck footing the bill until they get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Servatus Corporation
State: FL

Complaint narrative:
I file a dispute with XXXX over some debt that I am not aware about. I was called by credit solutions Corp.  and they tried to bully me about the debt. I never contacted them directly to do a dispute with them. I told the rep. Of the company that if I did a dispute thru XXXX that he is not supposed to contact me by phone. He told me is obvious that I don't know the law and he can call me when ever he wants. He rudely brush me off and told me don't worry the debt will continue to be on your credit report and hung up. Please call me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX with two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over three days and I still do not have access to my money. 

If you've followed along, you will have realized they had over a week to verify the account and only decided to do so after they received the money I sent to fund the account. Once they received those funds I was almost immediately contacted and told my account was frozen for verification. The account had been open for NINE DAYS at that point. 

They refused to accept the information I sent for verification, including very personal information such as my driver 's license and social security card. Despite receiving sufficient information to verify my identity, they demanded still more information including mortgage info and more which is not even applicable to my situation. 

After being told everything should be resolved in one day, I spent much of the second day dealing with their incompetent and condescending employees. I was informed that they would not give me access to my money, or allow me to close the account in question. We're talking about XXXX XXXX DOLLARS HERE. After business hours I received an email from a XXXX XXXX saying they would not accept my calls to address the situation. The next morning I realized my phone number was blocked so that when I called I would be disconnected immediately. As of this time, I can't reach them by phone and they ignore my emails. Of course, they are still holding my XXXX XXXX DOLLARS and denying access to my funds while providing no banking services whatsoever. 

I WOULD CALL THIS A THEFT OF MY XXXX XXXX DOLLARS. I WANT MY MONEY!!!!! WHAT KIND OF COMPANY IS THIS?????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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 excessive student loan debt with Navient. My loans were placed into programs that do not allow for them to qualify for the public service forgiveness program. I was under the impression my loans would qualify, however when I submitted my paperwork I was denied and it was stated my loan terms did not qualify. This was never communicated to me when my loans were acquired. I have only ever worked in the XXXX XXXX field. My loans are a financial burden ; I basically work to pay my student loan debt. I have had to cash out XXXXks and still am nowhere close to paying them off. The compiled interest makes it impossible to payoff until I retire ; I owe almost 2x the amount I originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Thrift Investment Corp.
State: NJ

Complaint narrative:
I called Thrift Investment Corp. on XX/XX/2019, and spoke with a man by the name of XXXX and explained to him the reason for my call. I told him that the contract states the cost of the loan is {$820.00} for 21 months. I told him that if you divide {$820.00} by 21 months, it should cost me roughly {$39.00} per month in interest. I spoke with another representative earlier in the day and was told I am being charged {$2.00} per day. I told him If you calculate {$2.00} per day for 30 days, that comes up to over {$60.00} per month, and if you multiply {$60.00} per month times 21 months, it will be well over {$820.00}. He said that's not how they calculate interest. He said you start off paying more in interest and then later on you will pay less as the balance of the loan goes down. 

He then told me to XXXX amortization and read about it. I told him I didn't want to XXXX anything. I wanted him to explain to me why the contract does not state that interest would be paid in higher amounts in the beginning and then reduced later on. He then said " I am not here to teach you ''. After being totally shocked at his response -- I asked him to send me a schedule showing how much interest I will be paying each month over the life of the loan so I can know where the money is going to, ( principal v. interest ). He said " I don't have that ''. I then told him I would contact Consumer Affairs and perhaps they can get the information I am seeking. He said in a very sarcastic tone " good luck with that ''. 

I believe I have the right to know the breakdown of my monthly payments over the life of the loan -- how much is going towards the principal, and how much is going towards the interest. I don't know if they take out the majority of the interest within the first few months so that if the loan is paid off early -- they will have collected the majority of their finance charge. I do feel they are obligated to provide me with the breakdown of my payments, ( principal v. interest ), over the life of the loan. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armcon Corp
State: CA

Complaint narrative:
This bill was directly paid to the company, please see the attached cancelled check. This check was cash by XXXX XXXX. this has been disputed before and has not been removed from my credit report XXXX. this is severely damaging my GOOD CREDIT rating. I have attached the cancelled check. Please remove and update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I leased a new car through GM Financial about 2 years ago. I planned to make payments by auto pay from my checking account as I always do for repetitious payments. In order to set up auto pay, other companies have always asked me to send them a voided check. GM did not work that way and instead asked me to read to their representative the routing and account numbers from the bottom of my checks. Because I am not knowledgeable about the banking system, I mistakenly read ALL the numbers, INCLUDING THE CHECK NUMBER. The GM rep did not point out any error, I concluded the auto pay setup and the call. I assumed that all was set up and that my payments were being taken from my account monthly. Several months later, I received a late payment notice with late fees and an invoice for several months rental. I called and spoke with another GM rep and gave that person my check numbers again, and the same sequence of events occurred. This scenario continued throughout my entire 2 year lease. None of the reps mentioned that I had read them too many numbers or the fact that the last 4 digits were different each time I read them out ( since they were the check numbers ). The outcome of all of this is that GM sent a poor credit report to  XXXX that lowered my credit score by about 300 points.  I have always taken great pride in my high credit score and complained to GM that their poor report was not warranted because my intent was always to pay on time. The only problem, which should have been caught by the GM reps, was my lack of knowledge of the banking system and their refusal to take a voided check. When I appealed, they responded like robots, saying that, because they did not make an error, they would not withdraw the poor credit rating they had sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I notice on my credit report with Experian they drop my score by 32-point this month for what I do not know. They also charge me for membership that I did not request finally I got a hold to them and I asked them to drop it and they did. Membership # XXXX I can no longer look at this account that ok. My Report # XXXX for XX/XX/XXXX. By dropping my score to 32-point was a lot. Please let me know what's going on. My Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX Date of Birth 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 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In the process of pulling up my credit report online, I became aware of a charge-off on my credit report " paid, charge-off ''. I was not aware of a balance owed on this account as I was not notified of any further information since XXXX. Upon contacting the company, I was told that they no longer hold the debt and it has been sold to another company, which they gave me the name and contact info. I contacted that company and was told that they have no record or account in my name and referred me to yet another company. Contacted that company and again same response. They also do not hold this debt. When I referred back to original creditor, I am being told that there is a notation on my account that there will be no further dealings with myself. They will not give me any further information on this account. I am unable to gather more information to rectify this matter and update my credit report. Again, I have not received any information on this account since XXXX and they will not supply any further information other than what is recorded on my credit report. They have listed this on my credit report in XXXX, four years later, and have no ability to offer any further information. I have hit a wall, at a standstill with no options at clearing up this matter. If this was in fact sold to another company, why are they not giving valid information. I do not believe the information as correct and can not pursue as company has noted in my account, " no further dealings with customer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: U.S. BANCORP
State: MT

Complaint narrative:
On XX/XX/2019, I made a reservation with XXXX for a total amount of {$3600.00} and paid for it with my US Bank credit card. During that transaction, I selected their enhanced Cancel for Any Reason plan for a cost of {$320.00} above what is included in the Standard insurance plan. 
After making the reservation, my spouse encountered medical problems and we took advice from our physician NOT TO TRAVEL. We contacted XXXX on XX/XX/19 to cancel our reservation based on doctors advice. One of their agents told us we had 2 options : ( 1 ) forfeit the entire reservation amount, or ( 2 ) accept a voucher credit but receive no money back. I then discovered that XXXX had already charged the ENTIRE AMOUNT to my credit card. 
I researched XXXX and found they have a history of scamming people. I immediately filed a Chargeback with US Bank to recover the money stolen from my account. 
On XX/XX/2019, US Bank denied my chargeback based on FALSE information XXXX gave them during the investigation. XXXX told the investigator I cancelled the reservation on XX/XX/2019, activating the Insurance Policy, but I DID NOT cancel the reservation and could not cancel the reservation because I did not communicate with them on XX/XX/2019 as they stated in their letter to the US Bank investigator. I have email proof and phone records to support this. 
They misled the US Bank Investigator by saying that I could rely on that program for reimbursement. In addition, XXXX states in their letter to me : if you wish to apply payment and travel This proves that their XX/XX/XXXX charge on my US Bank account was UNAUTHORIZED, premature, and illegal. 
On XX/XX/2019, I contacted the district manager of US Bank, XXXX XXXX ( XXXX, XXXX ), and she said to appeal the decision with XXXX XXXX ( at XXXX ). I called Ms XXXX at least 10 times from XX/XX/2019 through XX/XX/2019.  Each time I called, I was told by her assistant that Ms XXXX would return my call within 48 hours, but she never did. On XX/XX/2019, I spoke with XXXX ( at XXXX ) and he said the appeal period lasts only 1 week and unfortunately the deadline has passed, but Ms XXXX has the ability to open an appeal even today. 
On XX/XX/2019, Ms XXXX finally called me and told me there would be no appeal because it is out of her hands. Essentially, US Bank denied me the ability to appeal and provide them with PROOF that XXXX lied to the investigator. 
US Bank is effectively the collection mechanism for XXXX fraudulent operation.

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 2019-06-20 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: GA

Complaint narrative:
Equifax and XXXX are reporting 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: GA

Complaint narrative:
XXXX and Transunion are reporting 30 days past due on the XXXX XXXX partial account number XXXXXXXX-XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
My balance has been paid and closed at FCO. This has been removed from XXXX and XXXX although XXXX is not willing to remove account that has been closed and PAID.  They simply want to be stubborn and refuse to have it removed. A representative from XXXX  has expressed that someone from FCO stated " do not remove '' from XXXX. Why not? This account has been PAID and CLOSED. Why is XXXX  the only credit bureau that does this?

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