vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
***Please see attached letter and full timeline and dates of correspondence with USAA . 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX, D.C. XXXX Dear Sir or Madam : I am writing to request your assistance in resolving a missing deposit with USAA Federal Savings Bank. We have attempted without avail to locate {$620.00} of EFT/ACH transfers that were sent by another institution and failed to credit to our account. USAA acknowledges the transactions and yet our accounts have not been credited the money. We have exhausted all opportunities to resolve this matter with each institution and as of XX/XX/2018 have yet to see the money. After nearly 30 days of extensive communication and efforts neither bank is willing to address our concerns or escalate our concerns internally. Furthermore, internet research has revealed that our experience regarding USAAs obfuscation and denials of requests for assistance ( despite clear evidence that USAA was at fault ) is not unique to us. There are numerous instances of similar experiences occurring to others. Based upon our experience, it is also likely that there may be similar situations in which customers have no idea that USAA has simply kept their money without depositing it into their accounts. Therefore, we request the following : 1 ) Assistance in returning {$620.00} owed to us by USAA ; 2 ) Initiate an investigation of USAAs electronic banking practices to address the broader systemic problem of failure to provide clients with timely access to their funds ; and 3 ) Levy fine fines upon USAA that are significant enough to deter USAA from creating similar situations/problems in the future.

We have spent an extensive number of hours with both banking institutions support teams attempting to facilitate remediation and we requested escalation of the matter. We attempted to obtain the name and address of an appropriate level of management and/or a compliance officer to express our concerns in writing. USAA was unwilling to provide this information. In fact, they indicated they would charge us a research fee of {$50.00} per hour to further research the matter of our missing deposits. I have attached a timeline of events for your review.

We appreciate your assistance in resolving this matter and for proactively insuring that others do not have a similar experience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
After unsatisfying communication in the message center, I have no alternative than to file this compliant. First, there was a bogus transaction on XX/XX/XXXX for {$63.00} that PayPal posted to my bank account. When my bank reversed the transaction, my PayPal balance was put in the negative, but my PayPal balance was not the original source of where the funds ( {$63.00} ) went. On XX/XX/XXXX, I scheduled a transfer of {$250.00} to my PayPal MasterCard, but {$280.00} was debited from my bank account, which caused a {$30.00} overdraft fee. It seems PayPal added my negative balance to the scheduled transfer, but the larger amount was not the amount I authorized, which is against ACH rules. On XX/XX/XXXX, PayPal credited {$24.00}, which is not the disputed amount of {$63.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear CFPB Representative, In XX/XX/XXXX Chase raised my APR from 11.99 % to 12.24 %, then in XX/XX/XXXX raised the APR to 12.99 %, then XX/XX/XXXX to 13.24 %, then in XX/XX/XXXX to 16.24 %. I thought that low interest rates were a reward for good customers. In all of these years I have never been late and have repeatedly paid the balance off. I sent an email yesterday, XX/XX/XXXX, to Chase asking that the interest rate be lowered and they responded that they would lower my interest rate but that they will have to close the account. What?! 

I ask that the interest rate be lowered but the account will be closed affecting my credit and discontinuing my credit line? Is this normal practice and legal? 

The other Chase card went from 10.74 % to 10.99 % in XX/XX/XXXX, then 11.24 % in XX/XX/XXXX, then 14.49 % in XX/XX/XXXX, then 14.74 % in XX/XX/XXXX, then 14.99 % in XX/XX/XXXX, then 15.24 % in XX/XX/XXXX, then 15.49 in XX/XX/XXXX, to 15.74 % in XX/XX/XXXX! This is not so much of a problem because I do not carry a balance on this card ( though I did try a balance transfer promotion in XX/XX/XXXX but after they tried to charge me interest - which were all refunded - I transferred out the monies to a better card ). So, I pay off the card every month and yet get these APR increases? 

Both of these cards were grandfathered from my previous bank. When Chase purchased the bank @ XXXX I very quickly transferred my checking and saving accounts to another bank ; however, retained my credit cards since it would adversely affect my credit to close the accounts. In other words it is not by choice that I have two Chase credit cards. However, my low APR remained initially. I was and am a responsible card holder. No lateness in over a decade and have repeatedly paid the balance in full. 

In XX/XX/XXXX Chase raised my APRs because my " APRs are below the lowest APRs we currently offer on similar accounts. '' Out of their 'fairness ', my APR was raised. 

Is this fair practice to raise the APR willy-nilly just because and to do it so often? Do I have any recourse other than closing these credit card accounts? We are always under the threat of raised APRs due to some form of delinquency but Chase seems to be raising my APR to CAUSE delinquency on my part. 

Please help! I do not want to close my accounts and I would like my APRs lowered. 

Their response is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: AZ

Complaint narrative:
I received a {$1000.00} loan ( XXXX ) from XXXX XXXX XXXX. I recently learned that these types of loans are illegal in Arizona where I live. I have paid back more than the original {$1000.00} and since the loan is illegal, I would like it to be closed as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX Barclay denied a credit charge of {$2000.00}. When I called them to let them know that I was paying a contractor for the work done by the name XXXX XXXX they then approved the charge 0f {$20000.00}, putting me way way over my credit limit. ( XXXX has a recording of this conversation ). The contracrator made up a fraudulent charge of {$18000.00} more, The total amount was not clearly visible on the phone. ( XXXX XXXX ). I have gone back & forth with XXXX Barclay but they have refused to accept any responsibility for their grievous error which is solely on their part. 
I have made the high minimum payments for almost two years hoping they will see my side & not to let it effect my credit. 
My Total balance as of XX/XX/XXXX statement is {$29000.00} Fradulent Charge due to XXXX error ( {$18000.00} ) High Minimum payments made from XXXX thru XXXX ( {$9600.00} ) Late Fee & interest charged?

Real Balance Owed {$1400.00} I have sent them two letters on XX/XX/XXXX & XX/XX/XXXX along with one Certified Mail. Upon talking to them they asked me for a two cycle time period to evaluate & make a decision. I have yet to hear from them. The person I talked to told me that my account has been charge off.

This whole thing has affected my Credit Score to sink to a new low from the high 800 score. I would very much like XXXX Barklay to accept their error in the poor decision they made, restore my credit & give me a letter of accepting {$1400.00} as payment in full so I can pay and put this matter behind us.

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 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
Someone stole my card and the XXXX card was in my purse which got stolen too with driver license social security cards and XXXX will not refund my money they think it was me I did a police report and found out who did it 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 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Calls come from this number day and night and even weekends. When I answer, they say I owe a debt but won't tell me the debt before I tell them personal info like my addresses and phone numbers. When I call, I get several rude people who give me the run around or hang up on me. I've asked to NOT BE CALLED. THEY JUST HANG UP IN ME AND START ALL OVER! This company is disgusting and classless. I'm reporting the issue to my lawyer as well for further litigation

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 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: AZ

Complaint narrative:
I received a loan from bright lending in XXXX. I recently discovered that these types of loans are illegal in my state. I have repaid nearly the full {$500.00} original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC

Complaint narrative:
I demand that the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with XXXX XXXX XXXX, XXXX. with my signature. 
all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. 
payment record during the entire life of the use of the credit card account ending in XXXX up to now. 


On XX/XX/2018, XXXX  XXXX XXXX, XXXX. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to COOLING & WINTER LLC. Yet the name of XXXX  XXXX XXXX, XXXX. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. 


My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.

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 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I demand that the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with BANK OF AMERICA, N.A. with my signature. 
all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. 
payment record during the entire life of the use of the credit card account ending in XXXX up to now. 


On XX/XX/2018, BANK OF AMERICA, N.A. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to XXXX XXXX XXXX XXXX. Yet the name of BANK OF AMERICA, N.A. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. 


My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.

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 2018-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
My company, Seterus Inc., was supposed to help me with a loan modification in lieu of losing my home. Instead, they put a XXXX balloon payment on the back of my mortgage, making it impossible to payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: FL

Complaint narrative:
This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX credit card. Equifax needs to take off XXXX XXXX XXXX, XXXX has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX  bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to Equifax, XXXX XXXX, XXXX. Please add the good standing on my reports if not already done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 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: Innovis
State: FL

Complaint narrative:
This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  credit card. XXXX needs to take off XXXX XXXX XXXX, XXXX has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to XXXX, XXXX XXXX, XXXX. Please add the good standing on my reports if not already done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX credit card. XXXX needs to take off XXXX XXXX XXXX, TransUnion has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX  bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to XXXX, trans union, XXXX. Please add the good standing on my reports if not already done so.

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 2018-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.

Complaint narrative:
I currently owe {$57000.00}, with a past due amount of {$3800.00}. My loan servicer is Nelnet, however, I think the real problem lies with the Department of Education. 

I am willing and able to pay the student loan, however I no longer reside in the United States. I no longer have an American bank account and can not open one. I do not have a credit card in my name, so I can not make payments that way. 

I do have a bank account and can make electronic payments. Nelnet informs me that Department of Education rules forbid them accepting payments from foreign banks. I can not find an appropriate way to lobby the Department of Education for some alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a hard inquiry to my name and I did not request any credit inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is listed on my credit for {$1600.00} for a XXXX XXXX account. Back in 2013 I was a victim of identity theft. I have called and wrote numerous letter stating this account was opened without my permission, asking for assistance on how I can get this removed. My identity was stolen back in 2013, and this account was opened. I have sent validation letters, good will letters and also I sent in my police report to this company with a response to nothing. This company has called me several times about the debt as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Earlier this year Barclays called me asking about why not staying current on card. I advised I was, but because of a dispute over a late fee, it spiraled out of control. Several attempts were ignored and nothing done. Agent arranged to call me back later that day. 

I call Barclays when agent missed call back time. Retold story and got no where. Gave up. Frustrated took some time and called back. 

Agent worked out agreement and advised amount needed to be paid and late fees will be removed. Interest to be recalculated. Payment made. Call ended. 

Time goes by next bill arrives and again past due! Call in and was advised a payment plan and reduced interest can be offered. So I take it. Letter confirmation was to be sent. ( Never received ). Payment to bring compliance and make initial {$33.00} payment was made with agent. 

Next bill again past due. Credit continues to be damaged with bad payment statuses. Barclays doesnt care. Bounced around finally get a USA supervisor. Situation explained and supervisor is just confused. Supervisor looks up call records and requested tape pulls. Follow up to occur which never happened. Minimum {$33.00} paid. 

Call back at next bill and still past due with no response, minimum XXXX paid again. Bouncing around again finally get USA supervisor. Supervisor reviews notes and understands situation. 

When payment agreement was made was after bill closing date, but still in old cycle. This was late XXXX. Agent making agreement caused problem by putting into XXXX and not correct month of XXXX. 
Supervisor takes info and supposed to call me back. No call received. 

Communication to Barclays via secured online email is generic unrelated responses. Letter sent by via USPS advising that matter is still being investigated. 

Received letter advising account is being transferred to XXXX. Now I have no agreement from Barclays. Continuous unresolved disputes against Barclays, whom is only delaying resolution until account transfer. 

Unacceptable. Barclays needs to keep this account resolve the issues and update the damage they caused to my 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