vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My debit card was hacked on Monday XX/XX/XXXX after receiving a Direct Deposit of my student loan refund. 

Received a text from American Express Serve asking if I had tried to make a purchase for over {$500.00} at a XXXX 's in Florida. I responded no. ( I live in Maryland ) Called American Express Serve no less than 4 times to have card locked. Card was never locked. 

XXXX more purchases near that same amount occurred in rapid succession. 

Serve finally closed my account that afternoon but after the loss of {$2000.00}. 

Asked me questions as if I had made the purchases. Promised an email that I had to return within 10 days or no provisional credit. 

Have yet to send email to me. 

Credited the four {$500.00} purchases on XX/XX/XXXX but still deducted {$2000.00} from my account. I have 4 refunds but they have not credited my account. How does that happen? 

Called them and was disconnected on purpose when no one could answer my questions. I am supposed to call back tomorrow. Explained to them that the money is my student loan, it is federal money, and I will owe interest on that money. They needed to fix this. They hung up. 

I have a Police Report Number XXXX taken by Officer XXXX badge number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Company has repeatedly called me from different nu.bers over a debt that is past the statute of limitations. Furthermore, company refuses to remove debt from credit report even though the statute of limitations has expired.

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: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am currently on a HAMP loan that was originated in 2013. Under HAMP I was suppose to receive at {$1000.00} credit each year after 12 consecutive payments are made on time. It is clearly written in my modification documents. Each year after 12 months of consecutive payments, I have called Mr Cooper to request the credit. I have always had automatically payments set up with them so all payments have been on time. They always tell me that I am only eligible after the full 5 years of payments is completed. I am now beyond the 5 years since origination. I have been trying to contact Mr Cooper regarding my incentive credit under the program. Mr Cooper representatives keep saying it will be processed shortly and that I will receive written notice. I have not received anything in over 5 years and have been calling every month or two for status for the last 4 yrs. They refuse to put anything in writing even after numerous request for written confirmation they are processing the incentive credit. Mr Cooper 's website does not have option to send email so that I can receive written response. I have tried to calling Making Homes Affordable counselor for assistance, but they have been unwilling to help, but did tell me that the lender is suppose to give me the credit each year after consecutive 12 monthly payments are made on time, not after 60 months. They also indicated that I should also be eligible for up to {$5000.00} credit if I make 12 consecutive payments on time in the 6th year. I feel like Mr Cooper is is violating the terms of the modification so that they can keep money that funded by the government. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
Sent letter on XX/XX/2018 received response on XX/XX/2018. No validation waa obtained

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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
for over 3 years I having been trying to have erroneous information expunged from my report through government channels. My previous complaint ( XXXX ) has had no response in over 2 years! On a recent credit check I realized it has still not been removed. Barclay has failed to legally respond and address this issue. Should I pursue a legal remedy?

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had 3 accounts open with Bank Of America from XX/XX/XXXX-XX/XX/XXXX. All my earnings/assets ( all the money I have to my name ) is inside the account with a positive balance. A balance of {$120.00} ( estimated the cents ). I just would like to revive ALL my money that was inside the account quicker than 10 days I cant wait at long I have a wife, kids, and up paid bills.

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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have had a debt that is not accurate put back on my account three times -- after three investigations proved it wasnt valid. Transunion refuses to remove it -- in spite of having three times taken it off previously -- just because whoever bought the incorrect account before sells it on and they are not concerned with the simole task of looking at their own records. According to Transunion -- they says this is my fault somehow. 

There was a miscommunication with XXXX but it was cleared up. That did not stop XXXX from putting on my report on XX/XX/17 -- but it was removed. 

XXXX tried the same thing in XXXX -- it was removed because it isn't my debt. 

Now XXXX has put it back on. Transunion claims it meets the FCRA standards -- but they have removed it multiple times and say its not their responsibility because it is a " different creditor '' It's a different fraud -- not a different creditor. For two years my vredit has been docked as a result of their negligence. They know this is not valid but I had to contest it again and they refused to remove it from my account until it was cleared up -- a 4th time.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase permantely closed my checking and savings accounts, and won't let me access my credit card accounts online. They have not provided me with a reason.

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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Many times missed which is actually mentioned on my credit report looks inaccurate and or misleading. Please be sure to deliver substantiation that the alleged account was in fact overdue so you took the important tactics to assist you to carefully examine your accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I received 3 recent overdraft fees for the same basic issue. 1 each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( One of those was refunded after a prior CFPB complaints. The 2 still need to be refunded ).

I have online banking, I use the PNC app, and I am set up to receive a daily email warning when I have a low balance.

It is common to check online banking manually, and/or receive the alert email, and see a positive - but wake up the next day to find that not only has the account become overdrawn overnight, but the cooresponding fee has already been added. Basically a charge or charges post retroactively, creating an overdraft, and a fee is added.

This creates a situation where the customer has no opportunity to correct an overdraft before it occurs, because it occurs retroactively in the past. This despite using all tools the bank provides to track balance in real time. I have described this scenario in long detail to PNC reps. They agree that this happens, but will generally not refund the fee.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The last week of XX/XX/2018, XXXX student loan holders were paid in full on two accounts. One account was paid {$23000.00} and the other account $ XXXX  XXXX effectively paying both accounts off. XXXX has stated they reported these payments to all three credit bureaus, however, Transunion has refused to remove it. 

I have spoken to Transunion over 6 times and provided proof these accounts were paid in full, however, they have refused to adequately report on these XXXX  student loan accounts. 

I am a recent widow and have a child. I applied for a loan and was denied because of Transunion not adequately reporting on these student loans. 

XXXX XXXX cell 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 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank received a cashier check for {$1400.00} on XX/XX/2018. As of XX/XX/2018 2 billing statements show that I still owe {$1400.00} on all 3 credit bureaus. This is effecting my credit scores. I filled disputes with all 3 credit bureaus. Why is Citibank refusing to update my account with a XXXX   balance to the reporting credit bureaus.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have multiple accounts with Regions Bank, and have to transfer money regularly to maintain a positive balance. However every time I manually transfer money to avoid overdraft fees, they make the transfer appear as if they did it as a courtesy, and charge a {$15.00} fee. I am constantly on the phone with a representative about these fees, and they are often refunded. 

Most recently I made a manual transfer in order to manor an ATM withdrawal in the amount of {$100.00} on XX/XX/XXXX. After the banking activity cleared, the transfer was changed to an overdraft protection transfer, and a {$15.00} fee was attached. 

I made another manual transfer on XX/XX/XXXX for a {$54.00} purchase that cleared on XX/XX/XXXX. On XX/XX/XXXX the transfer again was changed to an overdraft protection transfer, and a {$15.00} fee was assessed. 

On XX/XX/XXXX I was charged another {$15.00} overdraft protection transfer fee. I was also charged a {$36.00} NSF fee. 

The transfer activity that took place on XX/XX/XXXX would not have been necessary, if the bank did not improperly charge me on XX/XX/XXXX and XX/XX/XXXX. 

The addition of the charge on XX/XX/XXXX caused me account to go into a negative balance, and a {$36.00} fee was assessed.

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: 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX received a cashier check for {$1400.00} on XX/XX/2018. As of XX/XX/2018 2 billing statements show that I still owe {$1400.00} on all 3 credit bureaus. This is effecting my credit scores. I filled disputes with all 3 credit bureaus. Why is XXXX refusing to update my account with a XXXX   balance to the reporting credit bureaus.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America non receptive to my complaint and does not refund my money.

On XX/XX/2018, using the Bank of America website, I made a request to transfer money from XXXX  XXXX to my Bank of America checking account in the amount of {$800.00}. It was for a 1 business day transfer. It's now XX/XX/XXXX and the amount of {$800.00} still has not reflected in my BOA account. The amount of {$800.00} was debited from XXXX on XX/XX/2018. 

I tried contacting Bank of America and spoke to about 15 associates and my problem is still not resolved. My issue was escalated to Bank of America executive customer service. I spoke to XXXX who stated I should receive my {$800.00} back to my XXXX XXXX account today ( XX/XX/2018 ). The money is still not in my account. Everyone just transfers me to another associate or states that the money will reflect in my account within 1 business day. It's been 14 days and no one knows what is going on. The Bank of America confirmation number for the transfer is XXXX. The executive customer number I was given is : ( XXXX ) XXXX. Case # given is 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 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: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Well I had opted out from receiving any offers yet I still see them there and these credit reporting agencies need to held accountable for breaching our personal information when its due to negligence which is ussaully the case. Giving us credit mornitoring isn't good enough for the damages that they cause us. I am seeing a lot of XXXX in my reports that I have no idea what they are. Experian breached my data and then they wan na charged me {$4.00} a month for credit monitoring, what kind of since does that make. All the credit reporting agencies have a conflict of interest because they all use the consumer credit report to make money and than on top of that their sharing our personal information.

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: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XXXX of XXXX I reapplied for a rate reduction program that lowered my interest rate to continue a monthly payment I could afford. In XX/XX/XXXX I lost my job and was accepted into an XXXX XXXX so I could begin an effort to seek more lucrative employment. 

When I realize I would have to temporarily stop payments due to having NO MONEY coming in, I called to request a pause. The representative on XXXX XXXX told me that not only would they NOT pause my payments my rate reduction plan was ending so my payment would increase and I would only be able to call back the following month to even re enroll in the program, leaving me subject to a higher payment. I requested the amount of the higher payment and due date but was denied that information and told to call back. 

I had two autopayment verbally authorized monthly that I was trying to make sure were no longer in play on this XX/XX/XXXX phone call and was repeatedly told to call back to do anything. On XX/XX/XXXX, Navient illegally cleared out my checking account for a payment of {$700.00}. My previous authorization had only been for theXXXX of the month for two payments of {$60.00} and {$310.00}. Under no circumstances did I agree to pay {$700.00} via auto payment on the third of the month. 

Additionally, when I called on XX/XX/XXXX, I was asked yet again, for above the XXXX time, for my co-signer who died in XXXX. Upon his death I immediately submitted his death certificate and all required information. I supplied this information 3 different occasions and their continued ask and incompetence regarding this issue continues to create emotional stress each time. 

When I requested a refund I was told the process would have to be reviewed because my account was technically delinquent, despite having set up payments that I could afford ; NO MENTION OF INCOME BASED REPAYMENT, and flat out denial of pausing payments. Dealing with this company has continued to cause me undue stress while I have made every attempt to continue to pay despite my financial situation. I have been threatened with default, despite consistent monthly payments for years ; I was also told by the collections manager, XXXX XXXX who reports to XXXX XXXX, that I agreed to higher payments at the end of the rate reduction program or they wouldnt have enrolled me. I was not given a single chance to communicate my income changes and I did not authorize any direct debit from My account aside from the two amounts on the XXXX of each month. They have illegally taken my money and are trying to blame me for it despite my continued efforts to contact them. PLEASE HELP, these people are vultures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with non-monetary relief