vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Title Security Agency LLC
State: NC

Complaint narrative:
An account number was entered incorrectly, so my financial institution froze my accounts and is refusing to allow me to make payments. Ive been notified of a default notice, but they will not make changes to allow me to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I want to close my checking account with TD Bank. I have tried numerous times to get my money out of the account. The latest instance, I called the bank to reactivate the account. After a lengthy time on the phone, the representative told me they reactivated the account and that I must make a transaction in order to keep it active. 

Afterwards, when I logged into my account to make a transaction I discovered I was restricted from making any transactions including bill payments and transfers to my other bank accounts. 

I emailed the bank, asking them to close my account and send me a check for the account balance. They sent me a message directing me to send them a signed and notarized letter. I am not going to do that. I want my money returned to me immediately! This bank 's actions are outrageous. They do not have the right to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I had XXXX dispute a duplicate account with Online Collection Company 3 times and each time they came back stating the accounts were both validated. I knew this was an duplicate from the beginning and I contacted the company that placed the account in collection myself. They sent me the only bill ( 1 ) I have ever had with them and have no clue of two Bill 's. This tell me XXXX do not throughly investigate and solely went on the collection agency word and because the collection agency could not provide me with two bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Loan was paid off on XX/XX/2019. PNC said they would hold the lien release for 7-10 days. On XX/XX/2019, they instead mailed a check of {$0.00}, and continued to hold the lien release until XX/XX/2019. They verified that they had finally mailed the release on XX/XX/XXXX, which if the {$0.00} check is an indicator, will not reach us until XX/XX/XXXX at the earliest. 

Filed complaint with PNC on XX/XX/XXXX ( # XXXX ). 

How is it justified to withhold a release of lien for 21 days without any compensation? This has held up distribution of funds in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: FL

Complaint narrative:
I have been requesting methods of verification on certain items on my report from transunion, XXXX and XXXX credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX  unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.

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 2019-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
A friend send me XXXX then send XXXX more I try to transfer the money to my bank but Venmo cancel my request then 2 days later they send me a email saying my account was deactivated. I email them back in said what is going on with my money they told me a email to not contact them anymore. I then try to call a supervisor at Venmo. I then call my friend who send me the XXXX to call Venmo to file a complaint about the money he did that. Then someone email me from Venmo in said I can not get any money until 180 days. I have email and message from Venmo and my friend who send me the money thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation
State: NC

Complaint narrative:
On XX/XX/2019. I checked my bank account for my transactions. I found that unauthorized ATM transactions were made on my account over 200 miles away from where I live and work on XX/XX/2019. The transactions totaled including ATM fees of {$740.00} showing 2 transactions on the same day from the same Cash Points machine in XXXX, NC on a day that I was at work with my ATM card in my pocket. I immediately called Money Network to make a report. They canceled the ATM card, issuing me another card and sent me a claim form stating that the claim could take up to 60 or 90 days to resolve. Less than 2 weeks later after submitting the claim form, I received a letter stating the claim was denied. When I reached out to Money Network the Customer Service Rep was rude and said there was no reason for denying the claim. I appealed the denial and they denied it again with no reason and said they were closing the case. I have since made a complaint with the NC Atty Gen office with no response except another letter from Money Network stating the case was denied and being closed. My wife is out of work and we need that money back in our budget asap. I was using Money Network through my job for payroll deposits. I have since stopped my work payroll deposits due to them not honoring FDIC policies to refund my pay due to ATM scammers. I found out online that Money Network does this often to its customers. I found many other complaints on this same issue with Money Network.

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 2019-06-18 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: CL Holdings LLC
State: TX

Complaint narrative:
I have repeatedly attempted to have the information provided by XXXX  to be corrected or deleted. There is an accout from XXXX XXXX XXXX on my credit report that had been SOLD to Jefferson Capital. I then asked Jefferson Capital to validate the debt, they could not and they immediately terminated their collection activity on the account according to the letter they have dated XX/XX/2019. 
I recieved a letter from Experian on XX/XX/2019, Report # XXXX stating that the information was " UPDATED '' and it was not. If the account had been investigated properly it would be clear that account is no longer in collection and/or deleted. The only change to the report ar in the 2nd " comment : '' area stating " the item was updated from our processing of your dispute in XX/XX/2019. '' If that is true why is Jefferson Capital currently on my report still. 
And if XXXX contacted the " data furnisher '' and not used the electronic systems that was used in the last dispute, I feel like this account would be deleted as the credit bureaus XXXX  has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a credit monitoring service through Experian. Each time I go their site to check my credit, I am bombarded by credit solicitations. A couple of months ago, I went to their internet site to check something and received a messages stating ( paraphrasing ), '' your credit would be better if you had more credit sources '' - and it gave me several credit cards it recommended. In another message I was told, " based on your credit information you would benefit from a new credit card that would allow you to consolidate your balances and make no payments for 12 months ''. I never carry a credit card balance, but this seemed like an easy, no interest " loan '' and I applied to the XXXX XXXX card they recommended. I was subsequently approved. 

Immediately thereafter, my credit score plunged, solely ( based on their own communications to me ) based on the new credit card. Subsequently, I have had my credit limits on my other credit cards reduced due to the additional card and lower credit score. 

This is highly unethical and seems to fall under UDAAP and possible FCRA. I would never have even thought to apply for the card I did not need without Experian 's urging.

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 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My Mortgage is with OCWEN which recently has converted to PHH. My loan number is XXXX. About six months ago they increased the rate to 5.625 from 4.875. All the increase in payment went to Interest not principle. After ten years of this loan I am paying {$920.00} in interest and {$540.00} in principle. Before the rate increase the amount of interest and principle were approximately even. 

This is my complaint. Two things : First I feel they have cheated in the way they applied the extra payment and that now I have almost no principle reduction. Second I requested an amortization schedule and they have refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My names is XXXX XXXX Executor Of My Son, XXXX XXXX XXXX. He was killed in a XXXX XXXX that wasnt his fault on XXXX. He was a XXXX yr old XXXX XXXX. His father, XXXX were XXXX. He just bought a 2019 XXXX XXXX financed through XXXX XXXX. The Survivor Specialist just informed me they no longer offer Payment Protection/ Debt forgiveness as of XX/XX/XXXX. That would have paid his Loan off. Yet it is still advertised in there Survivors Guide. I am totally shocked that a XXXX dollar bank would expose itself and its members to such hardship. Its very reckless of the company. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I finance a 2009 XXXX XXXX with Santander Consumer USA. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. Santander approved me for the loan I had an approval from my trustee as well. After financing the vehicle with Santander, they reported to my credit for a few months. Then I noticed they stopped reporting. I called Santander to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do auto finance for a living. I have had multiple customers in bankruptcy that were approved by Santander the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of Santander Consumer USA. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Purchased home for {$39000.00} in XX/XX/XXXX. Refinanced in XX/XX/XXXX, victim of predatory and subprime lending practices. Paid mortgage for 12 yrs., eligible and received HAMP modification with XXXX then mortgage was sold to investor group ( s ). I continued paying even while mortgage servicing change to 3 different companies. Mortgage debt amount forgiven on ( - {$44.00} ) in XX/XX/XXXX. New Servicer : Select Portfolio Servicing ( SPS ) has mortgage with a balance of {$35000.00} with a mature date of XX/XX/XXXX! I have little equity, even though I have been paying off mortgage 22 years! do I have ANY recourse? What should I do short of foreclosure? Mortgage Holder : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX., XXXX XXXX , NY Select Portfolio Servicing ( SPS ) XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
After initially filing a fraud claim in XXXX- where I was told my card would be disabled and no further fraud would occur- have yet to receive full resolution for multiple fraud claims. 

This complaint is regarding the charging of monthly service fees and the charging of insufficent fund fees for transactions that were reported as not authorized. 
I HAVE YET TO RECEIVE RESOLUTION and NOT ONE EMPLOYEE WHO HAS HUNG UP THE PHONE ON ME or kicked me out of the branch has offered to apply a Customer Satisfaction Credit to cover- instantly the illegal charges of non sufficient fund fees. Wells Fargo credited XXXX- whereas I was charged {$35.00} and not refunded of all bank fees. I truly feel Wells Fargo has the worst customer service I Have ever experienced and I am genuinely confused as to how you can still claim to strive to provide outstanding customer service to its customers. I was robbed, my identity was stolen and to make matters worse- after multiple police interviews and forwarding multiple copies of police reports, and after waiting the " standard ten days '' to resolve the claim- I was kicked out of a Wells Fargo branch , I was told by a branch manager who is still receiving a pay check from Wells Fargo that she would not be willing to help me report fraud on my account. 
What I am asking for is some type of gesture to show me that Wells Fargo is sorry for what has happened, that they have empathy and that they value me. While I understand and respect there are processes to follow, it seems unfair to say the least that I am left with a financial strain and told " we need time and we need to follow the rules to resolution '' when the employees who get paid to not provide service are NOT FOLLOWING THE RULES ANS PROCCESES to achieve resolution.

I was given a {$3.00} credit today, and this is deeply dissapointing that one one thought " lets provide her with a {$35.00} customer satisfaction credit '' ...

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: MA

Complaint narrative:
Hi and to whom it may concern : I just finally got off the phone with Risk Management team member XXXX at First Progress Card on an alleged 2nd card that apparently shows on my credit report without me ever applying for or put a secured deposit for it. After 61 minutes with her today in regards to this, she confirmed that for some odd reason when I open the card that I have now a few months ago, then the 2nd card was mysteriously open but NEVER sent. However, she said that First Progress mistakenly reported to the credit bureau that I never paid the annual fee for 2 consecutive months which was on the card that I NEVER APPLIED or RECEIVED. I'm in the process of buying a home for my family and my credit has taken a huge hit in the last 2 months and I'm in the verge of NOT closing on the loan because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
XX/XX/XXXX at XXXX EDT Alerted by text message from USAA of suspicious activity on my account online profile. I immediately called USAA Security ( XXXX XXXX XXXX ). I was informed a credit card was fraudulently shipped to XXXX. Subsequently, I discovered a second credit card was sent to XXXX XXXX XXXX ; 100 bank checks were ordered XXXX XXXX  ; sent to XXXX, during the XX/XX/XXXX XXXX  breach. I have only one XXXX address for all USAA Account activities. I have no connection with any mailing addresses in XXXX, XXXX or XXXX. On XX/XX/XXXX at XXXX EDT I discovered that two fraudulent checks had been cashed on XX/XX/XXXX for {$38000.00} XXXX XXXX  ; {$18000.00} after insisting on XX/XX/XXXX that my checking account be protected. Additionally on XX/XX/XXXX I received two USAA Account access 2-factor Security Codes I did not initiate ; I received a password reset link on XX/XX/XXXX for my email that I did not initiate showing the attack continued. Also my email was flooded by over 7,000 email messages in 48 hours starting XX/XX/XXXX. On XX/XX/XXXX, USAA redeposited the lost funds to the compromised account without alerting me. An attempt to cash a third stolen check was immediately made. It was blocked, but my account was charged an overdraft fee. I transferred the balance of my account to another bank. 97 remaining stolen checks are still in circulation with our personal information. USAA has not alerted any law enforcement agencies about his crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been paying on my Discover credit card without fault since opening the account in XX/XX/2012. it has and APR of around 19 %, recently dropped to 17.2 %. I've called Discover several times regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$420.00} ), and between 70-78 % of the monthly payment ( currently around {$300.00} ) is going toward interest! not 17 or 19 %, which is the APR. 

currently, I have a balance of around {$20000.00}, and with a minimum payment of {$420.00}, my most recent statement says it would take 40 years to pay off this account, and I would end up paying a total of around {$70000.00}. 

when I speak with Discover card representatives, they do not seem to be able to explain this at all. 

if you plug these numbers into a debt repayment calculator, a {$20000.00} balance, paid at {$420.00} a month, with a 17 % APR, this shows an estimated payoff time of 81 months ( just under 7 years ), and with a total interest of around  {$13000.00}, so I would end up paying a total of around {$33000.00}, which is 2.5 times less than what Discover says, that is, {$13000.00} in interest versus {$50000.00} in interest. 

There seems to be some highly illegal action taking place here. I would like to be reimbursed for all of the years ( since 2012 ) that I have paid this astronomical apparently 75 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated.

Company response to consumer: Closed with explanation