vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/2019 I received 16 emails from Western union about my account was updated, my password has been changed and money transfers followed by a phone call from Western union fraud department. The agent on the phone asked me for my name and asked me did I authorize the wire transfer which I replied no I did not and was placed on hold while he was stopping the transactions the agent then told me that the transaction was declined and the money will be sent back to my checking account. I immediately called my bank to cancel my debit card and inform them of the fraudulent activity and was told that an investigation will be done. I also changed my password to my Western union account. Fast forward to XX/XX/XXXX I received letter from XXXX  stating that they did an investigation and was provided documentation by western union proving that I did authorize the wire transfer and this was not a case of fraud and XXXX   will deduct the money that was replaced. At that time I found out that Western union did not refund the money back to my account. I contacted western union multiple times on XX/XX/XXXX and was told multiple times that on that day of XX/XX/XXXX there wasn't any wire transfers on my account and my Western union account was closed and kept brushing me off and told me to contact my bank. I spoke to Western union and XXXX fraud representatives 8 times that day. I finally was able to reset my password on my Western union account to on XX/XX/XXXX there were attempted wire transfers all at the same time, 2 were successful 1 was declined by western union and 1 just says unavailable all were repeated to my mother 's name payout location in the state of North Carolina but the payout location was in XXXX, XXXX. My mother does not reside in nor has ever been to XXXX. The 2 payouts for {$200.00} which totaled {$410.00} was paid out in XXXX statements were collected in XXXX according to the Western union statement by my mother which is not possible. But despite the email activity and the obvious fraudulent activity that is visible on my Western union account Western union just apologized and said they can not refund me my money because it has been collected and they can not retrieve the funds. I have the transaction tracking numbers from XXXX and the 4 wire transfer tracking numbers from Western union along with copies of all 16 emails from Western union when whoever did this hacked into my western union account and changed my profile and password. I will also be going to my local precinct to see if I can file a report. This was clearly fraud that was allowed to happen through Western union and they knew it was happening and they're trying to pass the blame elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
From 2007 till now, it has been so difficult to get my servicer, which seems to change all the time, to lower my payments. When it is done, it is cancelled after sometime without notice, Instead I get pushed to apply for a forbearance, instead of just allowing me to continue to pay as I earn. Moneys taken out of income tax return is never seen on my account, no contact is made to let me know that money has been recieved. It is a mess. My credit is poor because of all the interests. I know I'm being mislead, and overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been paying my auto loan for approximately 5 years my pay off date is XX/XX/2020. My payments are set for Auto and are paid monthly. Payoff is soon and now my payments for payoff are going up. Is this legal? and how can I stop the payoff going up?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a JCPenny card in 2013, the last activity was XXXX of 2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the 5 years so the account should be removed. There is also a collection account with XXXX XXXX for this same account and I requested it be removed because of age of last activity is more than 5 years.

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 2019-07-17 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: MD

Complaint narrative:
I had a XXXX card in XX/XX/2013, the last activity was XX/XX/2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the 5 years so the account should be removed. There is also a collection account with XXXX XXXX for this same account and I requested it be removed because of age of last activity is more than 5 years.

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 2019-07-17 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I had a XXXX  card in 2013, the last activity was XXXX of 2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the XXXX  years so the account should be removed. There is also a collection account with Midland Funding for this same account and I requested it be removed because of age of last activity is more than XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: MI

Complaint narrative:
I have been disputing some fraudulent accounts on my report for over a year, have sent in all documents that was requested from me. Nothing has been removed, I have been told multiple times that my police report and other documents were being attached to the dispute. I found out that the documents are not being attached to the disputes and was told to get a new updated police report, which doesnt make sense because my police report is very valid and should have been attached to every dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: VA

Complaint narrative:
I feel that Navient has led me over several years to continue forbearance and deferments instead of trying to help me get a payments that I can affordable handle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2019, i made two purchases in XXXX at XXXX XXXX. When the charges were made temporary authorizations were placed on my account for {$2800.00} and {$40.00}. Two days later, today, the two charges posted permanently at {$2800.00} and {$40.00} which is higher than the amount originally authorized. The problem is the US dollar actually rose in value on the XXXX and remained at 1.121 on the XXXX and the XXXX when the charges posted. Barclays Mastercard in fact charged an old rate of 1.129 which caused the bottom line to increase by {$18.00}. For years this credit card company has maintained that the exchange rate in affect when the charge posts permanent is the rate that will be charged. So that when the US dollar is going down, they are allowed to charge more than the original authorization. However, now the US dollar has gotten stronger, they are charging an old rate that was not in effect on the day of the posting. In other words, they want their cake and to eat it too. This should not be allowed and is an abuse of their power of being a big bank that seems to create its rules as it deems solely beneficial to them. I want them to be required to follow their rules and return the over charge they did to me today of {$18.00} and I want the US government to investigate and penalize them for this abusive lending tactic as I am sure there are millions of Americans who have been taken advantage of by them.

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 2019-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I obtained a boat loan from XXXXSantander Bank. On XX/XX/XXXX, I sent Santander Bank a check for {$30000.00} to pay off loan this check was posted to my bank statement on XX/XX/XXXX. I received a letter from Santander Bank dated XX/XX/XXXX stated loan was paid in full. 

In XXXX of this year my Ex received a call asking me to call the bank. I did and was told I was a month overdue on my payment. I explained I had paid off this loan. The bank person looked at documents and found the paid off loan letter and told me she would correct the problem. On XX/XX/XXXX I received a letter from bank stating I was overdue {$590.00} on the balance of XXXX. This letter came about the time I had talked to the bank person. I did not respond. 

In early XX/XX/XXXX I got a message to call bank. I did and was told I now was 61 Days overdue on payment of {$1200.00}. I called bank on XX/XX/XXXX, I insisted I had received a letter saying loan was paid off. They stated there was a balance due and I needed to pay it. That evening I went through my files found the letter stating loan was closed. On XX/XX/XXXX I call customer service at bank to state I had my letter saying loan was paid off. Customer service could not find this loan. I was sent to loan person who sent me back to coustomer service who sent me back to a different loan dept who sent me back to coustomer service. No one could find the loan. I was advice to email Bank which I did I and received an electronic response. 

On XXXX XXXX I filed a complaint with OCC, case number XXXX. 

On XX/XX/XXXX I received a certified letter from bank stating I was overdue XXXX and if payment not received by XX/XX/XXXX my boat would be reposed. 

On XX/XX/XXXX I called bank. The bank representative told me they had received my payment of XXXX in XXXX and {$3500.00} had been reversed for probably insufficient funds.. That evening I dug through more files and found my bank statement indicating my statement had been posted a withdrawal in the amount of {$30000.00}. There was no insufficient funds. 

This has become crazy.

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 2019-07-17 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: PA

Complaint narrative:
When setting up a preferred payment method with PayPal, I've repeatedly set my credit card as the preferred payment method, but PayPal continues to debit a linked bank account instead of the specified credit card. This has caused me to overdraw my bank account twice. When researching this issue online, I've noticed that it is a widespread problem worthy of reporting to the CFPB. In trying to resolve the issue with PayPal, they have refused to address it and closed the case that I opened. 

Note : the attachment included is a screen shot of my preferred payment methods, showing that my credit card is selected. I had a transaction hit my checking account XXXX causing an overdraft when it should have hit my credit card. Also attached is the email I received when PayPal denied my case and refused to resolve my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2019, XXXX, XXXX, MD XXXX, XXXX ran a hard inquiry on my credit. I did not have knowledge or authorize the hard inquiry.

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 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, XXXX XXXX and Equifax are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately. Also Equifax has a student loan debt from XXXX/Dept of ED in which I have explained I haven't been to college in 30+ yrs. XXXX And XXXX XXXX removed the account however Equifax has not after repeated request along with a police report attached. There is also a collection on my Equifax account from XXXX XXXX  that can't be verified by 609 fair Credit Act that i have asked them to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Refinanced my home too pay-off credit cards. all credit cards were sent cashiers checks and all but USAA took payment and closed accounts as requested in a few days. The first cashier check for {$8300.00} mailed by priorty mail on XX/XX/2019 and delivered and signed for by XXXX on XX/XX/2019. XX/XX/2019 I called USAA and they denied receiveing. I called title process company XXXX and they cancelled and re-issued a new check as per USAA agents precise directions overnight. Again signed for by XXXX. called USAA XX/XX/2019. They stated 10 business days too process the bank cashiers check extending the process until XX/XX/2019. I called XX/XX/2019. XXXX EXTXXXX executive resolution team confirmed the check was received but not processed and all not processed checks were immediately returned too sender. XXXX had not received the check back. XXXX the original processor again called USAA and Again cancelled and mailed another with the same information by overnite priorty mail. I count a minimum of 38 days past that USAA is charging 16.5 % on {$8300.00}. That check was issued by the re-finance for {$8300.00} when the the actual payment turned out too be {$8000.00}. I yet have no reply from this criminal USAA operation. 4.5 % is also being pd too refinance loan too on {$8300.00},

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
There are late fees on my account because I wasn't receiving my statements. 

When I first called about the statements I was told no late fees applied. 

My statement show there are fees. 

I tried to call them today the automated systems isn't recognizing prompts and saying try the call later and disconnecting the calls. 

I always p [ at in full to avoid fees

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 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
This goes back to my previous complaint ( ID : XXXX ). After reviewing company 's response letter, I tried to call the phone number of that contact person but it always goes directly to voicemail. Besides, there has been no update regarding return my initial opening balance {$1000.00} back to me. Just to re-quote my previous description " I opened my account with TD through an online promotion webpage on XX/XX/XXXX and put a direct deposit from my XXXX bank account of amount {$1000.00}. The debit order went through my XXXX bank account and was transferred to TD account. However, since XX/XX/XXXX, I can not have access to TD online banking and was told there was some issue with my new account that I need to visit branch in person. But the closest branch is 3 hours drive and then I asked them to give back my {$1000.00} money. They refused and said I can not get my money back without visiting in person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Mr. Cooper mortgagee co just purchased my mortgagee from Seterus. This happened just a few months ago. 
This months statement XX/XX/19 states thy are going to charge me fort hazard insurance. 
The is around {$1300.00}. requiring my escrow payment each moth to be increased. 
They did this while knowing that. I had insurance that I purchased ( by me ) and had been paying for the last 20 years, when with Seterus. The even had it noted on my account tat I had insurance from XXXX XXXX XXXX. 
So they were going to bill me for additional ins that was not necessary. 
I want the world to know how they rip off customers. 
They say will correct it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX M XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
Amsher was calling me back to back like every two hours harassing me we I told them to stop calling they didnt I told them to send me something thats bearing my signature by mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XX/XX/19 I applied for the Amex XXXX XXXX and was promised a welcome bonus of XXXX XXXX points after spending {$3000.00} in the first 90 days. On, XX/XX/19 I asked about when the 90 days started with an Amex rep, XXXX. She said I was disqualified for the bonus by XXXX because I have had a XXXX card before, possible with another company like XXXX, which isn't true. When I told her it wasn't true she said that's great, that all I have to do is call XXXX and they will tell Amex I've never had a credit card bonus and Amex will then fix the error that disqualified me for the bonus. I followed her instructions to a XXXX XXXX gave me a reference number : XXXX. On XX/XX/19 I gave that number to Amex, a different Amex rep, XXXX, told me that the first rep was wrong and that I was disqualified because I was gaming the system because over two years ago, I opened a green card and closed it ( that green card has no welcome bonus ) nonetheless, I explained how, back then, due to a system error Amex disqualified me for a referral bonus and reps told me a system error was impossible : Almost a year later, Amex mailed me an apology, admitting a system error mistakenly disqualified me for the referral. After the apology, I started using Amex again. He said sorry, there is no way to overturn the system 's decision to disqualify me, even though I didn't do what the system said I did ( violate the terms and conditions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
Phoenix financial debt does not belong to me and I called them to verify it and the information doesnt match. Remove it from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I XXXX XXXX missed a call on XX/XX/2019 upon returning the call i was told by XXXX XXXX that if I did not settle my debt out of court or get a criminal defense attorney to contact them I would go to jail for check fraud. They seemed to have a great deal of information about me, so I agreed to out of court settlement. But the more I thought about it the less sense it made.

Company response to consumer: Closed with non-monetary relief