vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
1. ) In XXXX USAA decided to reverse the decision made on a billing dispute the year prior in violation of fair credit billing practices laws, including regulation Z. 2. ) Despite immediately requesting copies of all investigative materials and documents to support their decision I have still yet to receive anything more than copies of my credit card statements. 3. ) Immediately after my request USAA began taking adverse action in violation of consumer protection laws. 4. ) In response I filed a complaint with the CFPB. USAA once again responded by taking even further adverse action in violation of consumer protection laws. 5. ) The statements I did receive do not add up for my account ending in XXXX. * Statement closing date XXXX/XXXX/XXXX shows a balance of XXXX of which there was/stiil is charge in dispute for over {$500.00}. * Statement closing date XXXX/XXXX/XXXX shows {$710.00} in new purchases for a balance of {$910.00}. This statement also shows the account being closed and available credit being XXXX. XXXX Statement closing date XXXX/XXXX/XXXX shows multiple credits totalling {$1300.00} yet, the total value for the period is shown as {$0.00}. Furthermore, this statements shows further charges despite the account already having been closed, and XXXX available credit as of the previous month. So the balance shown is now {$6600.00}. Which makes no sense. If the account was closed in XXXX, and has been reported as being closed to the CRA 's how could it then have been charged or made purchases? I have not received any notices of the account being re-opened, and it 's being reported as closed with a balance tapping into my other lines of available credit lowering my credit score. XXXX. ) No notification, statements or documents have been received after the initial document confirming receipt of my billing dispute in XXXX either. Nor do I see the charges for the charge in dispute being credited either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I bank with XXXX XXXX XXXX. I 'm on Social Security XXXX, and have been getting more and more Overdraft fees. In the past 3 months I 've been charged over 500 in fees. XXXX is my only source of income. And these fees have been causing undue hardship and harm to myself and my family. This month, due to the rolling overdraft fees, within a week of my social security check being deposited, my account was already in the negatives. I attempted to work this issue with the bank, they removed ONE overdraft fee. My bills generally do n't change monthly, but due to the {$36.00} fee for each overdraft, they have been taking more and more of the money I need to survive. I need some help getting this issue 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 2017-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
Wired funds {$3000.00} to Coinbase, inc on XXXX XXXX 2017, still no funds deposited in my account on a same day transfer. I have called the listed number but it is either busy or no answer. I have sent emails to contact/support but still no answer. The money has been debited my account from the wiring bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XXXX XXXX AND NATIONSTAR MORTGAGE ARE USING THE PHONE, COMPUTERS AND INTERNET SERVICE TO COMMIT THE THEFT OF FUNDS AND THE ILLEGAL FORECLOSURES OF HOMES .... WE HAVE 3 CONFIRMED, RECORDED, DOCUMENTED CRIMINAL ACTS TOTALLING OVER {$6000.00} MAKING IT A SERIOUS FEDERAL CRIME .... IN XX/XX/XXXX, AS PART OF A CFPB SETTLEMENT, NATIONSTAR AGREED IN WRITING TO ACCEPT A XXXX PAYMENT TO BRING THE ACCOUNT CURRENT. WE PAID THIS AMOUNT OVER THE PHONE ... AND NATIONSTAR ILLEGALLY LEFT A BALANCE ON THE ACCOUNT PLUS ACCRUING LATE FEES ON THESE ILLEGAL BILLS .... NATIONSTAR USED INTERNET FRAUD DURING THE SAME TIME PERIOD, XX/XX/XXXX, WHEN THEY PUT IN WRITING THAT THEY WERE NOT DOING A FORECLOSURE BECAUSE THEY WERE INVESTIGATING AND CONFIRMING LOAN ORIGINATION FRAUD ON THIS ACCOUNT. FOR THE PUBLIC RECORD, THIS LOAN ORIGINATION FRAUD WAS CONFIRMED AND NEVER CORRECTED, MAKING THE LOAN INVALID. NATIONSTAR DID FORECLOSE ON THE MISLED HOMEOWNER AFTER TELLING THEM THEY WERE NOT. WHEN THEY REVERSED THEIR ERROR, THEY ADDED A XXXX ATTORNEY BILL ... THAT IS STILL ON THIS ACCOUNT ILLEGALLY TODAY .... XX/XX/XXXX, NATIONSTAR WAS PAID OVER THE PHONE FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. THEY CONFIRMED, DEBITED MY ACCOUNT ... BUT ONLY PAID XX/XX/XXXX AND XX/XX/XXXX. THEY TOOK XX/XX/XXXXTO PAY FOR THE ILLEGAL FEES THEY ADDED  USING WIRE FRAUD ... XXXX THIS PAYMENT WAS MADE DIRECTLY TO THE CEO ... XXXX XXXX ... MAKING IT AN INTENTIONAL CRIMINAL ACT AND THEFT / MISAPPROPRIATION BY THE CEO, XXXX XXXX ... XXXX WE HAVE REQUESTED RECORDINGS OF THESE CONVERSATIONS FOR OUR UPCOMING LAWSUIT AND FOR YOUR PROSECUTION BUT XXXX XXXX  REFUSUES TO COMPLY ... XXXX WE ARE WORKING DIRECLTY WITH THE CEO 'S OFFICE NOW SO WE HAVE CONFIRMED THIS IS A TOP DOWN CRIMINAL FRAUDMINVOLVING SEVERAL HIGH LEVEL EXECS ... .. PLEASE NOTE THAT NATIONSTAR HAS COUNTLESS COMPLAINTS OF THIS TYPE OF FRAUD. THEY ARE STEALING CASH AND STEALING HOMES AND XXXX XXXX IS KNOWINGLY VIOLATING NUMEROUS STATE AND FEDERAL LAWS .. AND FORCING EMPLOYEES TO ALSO BREAK THESE LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
1. ) In XX/XX/XXXX in violation of fair credit billing laws USAA reversed the decision on a billing dispute made in my favor from XX/XX/XXXX-XX/XX/XXXX a  year prior. 2. ) At that time I requested all documentation obtained during their investigation, and documentation used in making their decision. I have yet to receive any documentation for my USAA XXXX XXXX which had the largest discrepancies and errors. 3. ) I received billing statements for my two USAA XXXX Cards, none of these statements had any of the requested documentation relating to USAA 's investigation and decision to take adverse actions. 4. ) I still have not received a billing statements for my USAA XXXX XXXX and since USAA restricted my online access back in XX/XX/XXXX I  have had no way of knowing what they are actually doing. I say this because USAA has failed to maintain open lines of communication or provide the requested documentation as required by law. 5. ) The timeline provided by regulation Z to finalize all billing disputes has already expired, as well as the timeline allowed for USAA to provide the requested documentation.
6. ) USAA might say they made several attempts to send me the documents. However in a discussion with XXXX from the collections department as of XX/XX/XXXX all my documents and communication with USAA was still set to be delivered online on USAA.com. Meaning, I was unable to access them due to USAA restricted my onilne account access in XX/XX/XXXX. Furthermore, I made repeated requests verbally and in writing for these documents and was assured by more than 10 agents I would receive them. To this day for the USAA XXXX XXXX I have not received any documents. And I have not received any requested documents for any of my affected accounts related to USAA 's investigation or offering a detailed explanation of their decision to take many adverse actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Bank transferred money on the XXXX XXXX to my account with Coinbase ( over 300 to be worth of euros ). It was sent before XXXX, and the money was out of my account the same day. Their company says it will take 1-3 working days. On the XX/XX/XXXXand XX/XX/XXXXI emailed them asking where the money is, and how long until it is in my account. I have heard no response back from them, and it has almost been a week since I sent the money. This massive delay in transactions has cost me greatly, both in missed opportunities for investment ( $ 3500+ worth lost, due to this delay ) and the worry that has been caused from it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
This is my 3rd complaint against Chase Bank, first for taking months trying to close my savings/checking accounts unsuccessfully ( XXXX ), second for a letter notifying me to charge $ XXXX monthly fee for my savings account that I 've been trying to close since XXXX ( XXXX ). Now, I received yet another letter this time to notify me that they are going to change me $ XXXX monthly fee for my checking account, which I 've also been trying to close since XXXX. Apparently, they have reactivated my accounts, which I did n't ask, instead of closing them. I had even took a trip to the US embassy in XXXX to have my document ( a request to close both my accounts ) notarized and paid {$50.00} for it. And it was for NOTHING,  apparently. Their instructions are useless and inconsistent ; one customer rep said one thing, the next one said another ; it 's never consistent and no one is taking a responsibility for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XXXX XXXX AND NATIONSTAR MORTGAGE ARE USING THE PHONE, COMPUTERS AND INTERNET SERVICE TO COMMIT THE THEFT OF FUNDS AND THE ILLEGAL FORECLOSURES OF HOMES ... WE HAVE 3 CONFIRMED, RECORDED, DOCUMENTED CRIMINAL ACTS TOTALLING OVER {$8000.00} MAKING IT A SERIOUS FEDERAL CRIME .... IN XXXX XXXX, AS PART OF A CFPB SETTLEMENT, NATIONSTAR AGREED IN WRITING TO ACCEPT A XXXX PAYMENT TO BRING THE ACCOUNT CURRENT. WE PAID THIS AMOUNT OVER THE PHONE ... AND NATIONSTAR ILLEGALLY LEFT A BALANCE ON THE ACCOUNT PLUS ACCRUING LATE FEES ON THESE ILLEGAL BILLS ... NATIONSTAR USED INTERNET FRAUD DURING THE SAME TIME PERIOD, XXXX XXXX, WHEN THEY PUT IN WRITING THAT THEY WERE NOT DOING A FORECLOSURE BECAUSE THEY WERE INVESTIGATING AND CONFIRMING LOAN ORIGINATION FRAUD ON THIS ACCOUNT. ... FOR THE PUBLIC RECORD, THIS LOAN ORIGINATION FRAUD WAS CONFIRMED AND NEVER CORRECTED MAKING ANY FURTHER COLLECTION AN INTENTIONAL, FRAUDULENT, CRIMINAL ACT ... THE LOAN IS INVALID ... IN XXXX XXXX NATIONSTAR DID FORECLOSE ON THE MISLED HOMEOWNER AFTER TELLING THEM ON THE PHONE AND IN WRITING ... THEY WERE NOT FORECLOSING ... WHEN THEY REVERSED THEIR ERROR ... THEY ADDED A {$1400.00} ATTORNEY BILL ILLEGALLY TO THIS MORTGAGE ... THEY CHARGED FOR A FORECLISURE THEY SAID THEY WERE NEVER DOING .... NOWHERE CAN YOU CHARGE FOR A SERVICE YOU TELL A CONSUMER YOU ARE NOT PROVIDING ... THAT ILLEGAL {$1400.00} ATTORNEY BILL IS STILL ON THIS ACCOUNT ILLEGALLY TODAY. ... LAST MONTH ... XXXX XXXX, XXXX, NATIONSTAR VERBALLY AGREED TO ACCEPT AND THEN WAS WAS PAID OVER THE PHONE FOR XXXX, XXXX AND XXXX PAYMENTS. THEY CONFIRMED, DEBITED MY ACCOUNT OVER 2,800 ... BUT ONLY PAID XXXX AND XXXX. ... THEY TOOK OUR XXXX PAYMENT AND USED IT TO PAY FOR THE ILLEGAL FEES THEY ADDED PREVIOUSLY USING OTHER FORMS OF WIRE FRAUD PRIOR .... THIS PAYMENT WAS MADE DIRECTLY TO THE CEO IN HIS OFFICE ... XXXX XXXX ... MAKING IT AN INTENTIONAL CRIMINAL ACT AND THEFT / MISAPPROPRIATION BY THE CEO ... XXXX WE HAVE REQUESTED RECORDINGS OF ALL OF THESE CONVERSATIONS FOR OUR UPCOMING LAWSUIT AND FOR YOUR PROSECUTION BUT XXXX XXXX AND STAFF REFUSUES TO COMPLY. WE ARE WORKING DIRECLTY WITH THE CEO 'S OFFICE NOW SO WE HAVE CONFIRMED THIS IS A TOP DOWN CRIMINAL FRAUD INVOLVING SEVERAL HIGH LEVEL EXECS. PLEASE NOTE THAT NATIONSTAR HAS COUNTLESS COMPLAINTS OF THIS TYPE OF FRAUD. THEY ARE STEALING CASH AND STEALING HOMES AND XXXX XXXX IS KNOWINGLY VIOLATING NUMEROUS STATE AND FEDERAL LAWS WHILE FORCING EMPLOYEES TO ALSO BREAK THESE LAWS OR LOSE THEIR JOBS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried on multiple occasions to get Transunion to remedy inquiries that have been placed on my credit report which lack permissible purpose. Their answer is always " Inquiries are factually based. '' Any complaints in writing are met with a condescending explanation of what inquiries are, and how long they stay on a credit report. Their assertion that inquiries are n't disputable is a violation of the FCRA, as is their equally incorrect assertion that the consumer does n't need to " put anything in writing '' for the inquiry to have permissible purpose. ( Section 604 of the FCRA would contradict that claim. ) Then, when I write to each creditor that I am disputing inquiries with, and they agree that the inquiry should n't have been placed on my credit report, they call Transunion and are told that they ca n't make changes to my credit report. This is after Transunion reps told me that I would have to dispute the inquiry directly with the creditors. And finally, when the creditors do n't respond to my written disputes, or the letters are sent back marked " return to sender, '' Transunion reps tell me that my only remaining option is to visit the creditor personally, because I 'm seriously going to drive from North Carolina to Texas or California, all because Transunion wo n't give me the correct information and proper tools to do their job for them. XXXX is equally obstinate concerning not allowing the dispute of inquiries, which I still maintain violates the FCRA, but at least their representatives are friendlier while refusing to listen.

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 2017-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried on multiple occasions to get XXXX to remedy inquiries that have been placed on my credit report which lack permissible purpose. Their answer is always " Inquiries are factually based. '' Any complaints in writing are met with a condescending explanation of what inquiries are, and how long they stay on a credit report. Their assertion that inquiries are n't disputable is a violation of the FCRA, as is their equally incorrect assertion that the consumer does n't need to " put anything in writing '' for the inquiry to have permissible purpose. ( Section 604 of the FCRA would contradict that claim. ) Then, when I write to each creditor that I am disputing inquiries with, and they agree that the inquiry should n't have been placed on my credit report, they call XXXX and are told that they ca n't make changes to my credit report. This is after XXXX reps told me that I would have to dispute the inquiry directly with the creditors. And finally, when the creditors do n't respond to my written disputes, or the letters are sent back marked " return to sender, '' XXXX reps tell me that my only remaining option is to visit the creditor personally, because I 'm seriously going to drive from North Carolina to Texas or XXXX, all because XXXX wo n't give me the correct information and proper tools to do their job for them. Experian is equally obstinate concerning not allowing the dispute of inquiries, which I still maintain violates the FCRA, but at least their representatives are friendlier while refusing to listen.

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 2017-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.

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 2017-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.

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 2017-08-14 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: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
Upon checking my credit report, all 3 major bureaus Hunter Warfield is listed in collections. I have never had any accounts or dealing with this company. I did not sign any contracts with this company. I requested that they validate the account in which they are attempting to collect the debt and they have not done so. I requested this on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a copy of a lease for XXXX/XXXX/XXXX that expired XXXX/XXXX/XXXX. I am being billed for rent in which I did not reside at the location/residence. This company states that I owe them and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information off my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation