vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 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:
I previously filed a complaint with the CFPB, complaint # XXXX regarding Fraud on my XXXX XXXX Credit Card with Barclays Bank of Delaware. Even though I had indicated on my text alert replies to Barclays that the charges were Fraudulent, on the very day that the fraud occurred, Barclays Bank allowed them to go through. Where is the protection to the consumer by Barclays Bank? What is the point of a fraud text alert if the bank is going to allow the charge to go through anyway? 

XXXX from the Office of the President called me in response to my complaint, assured me that the case was still in dispute with Barclay 's .... even though the CFPB closed it due to CFPB rules, and I would not be charged the {$3000.00} that is in dispute. 
However, as my credit card was on auto-pay, Barclay 's Of Delaware took the amount out of my bank account to pay it, though it was not authorized to do so. XXXX XXXX had assured me on XX/XX/2018 that the matter was not going to be resolved fully until XX/XX/2018 and no monies would be required until he spoke to me. As indicated above, Barclays used autopay on XX/XX/2018 to pay themselves despite the matter remaining in dispute. I am therefore opening a new case to address these issues. 

This was in direct contrast to XXXX XXXX 's assurances to me that the fraud case was not yet resolved because the bank had not resolved the fraud investigation from the merchant in XXXX that had committed the fraud. 

We were told that these conversations have been recorded on Barclays recorded line. For the past two weeks, I have left repeated messages and received no calls back until finally, today, XXXX XXXX answered my phone call. 

He now says that he can not explain what charges were made that add up to the {$3000.00}, other than the fraud charges that were made on the account! I closed the account in XXXX, and the autopay was taken out in XXXX. 

I feel that Barclays is stalling for time, and promises upon promises of escalating the matter have amounted to no communication. Do they expect the consumer to get tired of a lack of response and resolution of a matter, and just hand over this kind of money that can't even be explained by them? 

XXXX XXXX told me the money is still in dispute even on today 's phone call, but can not explain to me, or show me any accounting form to explain that I owe this money. There is a serious problem here, and nothing is adding up. I have nowhere else to turn to get a full explanation. Please help!

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 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: WA

Complaint narrative:
When I am even 1 day late on my payment they will call my phone over 10 times a day until payment is made. I have asked them a few different times to please quit calling me 10 or more times a day and nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies Experian and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not 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 non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Ditech Financial LLC ( " Ditech '' ) issued me a check ( number XXXX ) in the amount of {$500.00} on XX/XX/XXXX. That check was issued from the Escrow account. That check states that it is " void if not cashed within 90 days. '' I contacted Ditech on XX/XX/XXXX and requested a replacement check. The call was recorded by Ditech at approximately XXXX am XXXX. The clerk assured me that I would receive the replacement check within XXXX days or XX/XX/XXXX. My followup call on XX/XX/XXXX ( recorded at XXXX am XXXX ) indicated that the problem was a technical issue and that I would receive the replacement check by the end of the week. 
My followup call on XX/XX/XXXX ( recorded at XXXX pm ) indicated that the check was in process. 
Follow up today, XX/XX/XXXX, at XXXX - recorded call with " XXXX '' ID - XXXX, supervisor XXXX ( ID - XXXX ) indicated that all previous statements were incorrect and that Ditech requires 30 to 60 days to reissue a check. I know that Ditech was in bankruptcy, but I thought my escrow funds were held in an escrow account, but now I am concerned that I will never get paid.

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 2018-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not Experian. I have been trying to contact Experian about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but Experian isnt following the law.

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 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a complaint to XXXX XXXX in reference to a collection account being reported on my credit file. The original complaint was because they started reporting this account on my credit file without giving me a DV. XXXX responded to the complaint via CFPB stating that this was the 1st they heard from, and never acknowledged that a DV was ever sent to me, because IT WASN'T. I then sent a response to XXXX XXXX on XX/XX/XXXX via certified mail, requesting proof that the said account was mine. 2 months later and I still have not received a response from XXXX XXXX. I included proof from the USPS that the certified letter was delivered and its been over 30days and they have not responded or verified proof of ownership. 
Yet again, XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am now demanding a description of the procedure used to determine the accuracy and completeness of the information being reported. Additionally, I'm asking to be provided with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

1655783.1.2

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( 50k as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies XXXX and TransUnion with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not 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 2018-11-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( USAA ) and the credit reporting agencies XXXX  and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The wire transfer was made with my account to a person named XXXX XXXX. This was a scammer who had opened a false bank account with bank of America and impersonated a different person to collect money on an investment. 

The bank promised that its legal department would look into getting the money back and the scammer would be traced and that Bank of America would be able to track down the scammer and retrieve my money. 

Instead the bank only gave a courtesy call to the scammer and took no action to recover my money. 

The bank was given all the information that a police report had been filed and an FBI report had been filed to catch the criminal. The Bank chose to ignore that information even though the agent from the Claims department herself had stated we report this to FBI and the police as that would help to recover our money. The blank claimed they have cameras and will be able to track down who had opened that account. The FBI report attached below shows how the scammer changed the bank information by middle man hacking techniques on emails. 

I have the claim number on the Bank of America XXXX, the police report and the FBI report.

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 2018-11-05 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: COAST PROFESSIONAL, INC.
State: AZ

Complaint narrative:
Coast Professional XXXX has my student loan debt and I've been trying to work with them to get a payment plan set up. It's been 3 months now and I've been paying them yet nothing is reflecting. They call me - 1. They don't tell me who they are 2. They ask me to verify my social security and birthday. When I refuse they refuse to tell me who they are. Once I've verified my SS and Birth date, which I am uncomfortable with it. They keep telling me there are missing documents or something wasn't signed. I've looked at everything I sent them, I spoke to a lady named XXXX and we went over EVERY single form to make sure it was good. But every 2 weeks they call and demand more and try to tell me my payments are counting towards my balance. I am being harassed about it and I feel like the money I am paying, is being pocketed. - Attached is the document ( 1 of many ) that I agreed to pay but they called and said they didn't receive it ( yet XXXX said she did and that everything looked fine. This was back in XX/XX/XXXX. It's XX/XX/XXXXnow and they have been taking the {$25.00} from my bank account as I agreed, but it's reflecting nothing on my balance? )

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 2018-11-05 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: DISCOVER BANK
State: SD

Complaint narrative:
Discover Card contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had Discover Card showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Every day I am receiving 2-3 calls a day, up until XXXX XXXX from AMERICAN EXPRESS. The number shows as XXXX. After so many calls, I called the number left for me to call for a very important matter. The number to call is, XXXX. 
After reaching a live agent, I was told to enter my card number, OF WHICH I DON'T HAVE. I explained that 40 years ago I had an AMERICAN EXPRESS CARD, when I was in the work force. Also there is no one at my home except me, and please stop calling as I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: Ability Recovery Services, LLC
State: NY

Complaint narrative:
XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX  isnt following the law.

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 2018-11-05 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: LEXISNEXIS
State: NY

Complaint narrative:
XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX  isnt following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
I have requested an adjustment on my escrow amount for property taxes. First, I asked the mortgage origination company representative XXXX XXXX to not escrow since I was making a substantial down payment. She told me it was too late in the process to change it but as soon as my mortgage got sold to a servicing company they would waive it. 

When I was notified that Roundpoint Mortage Servicing Corporation was now handling my mortgage, I contacted them and requested that escrow be waived. They told me I had to have one year of on-time payments before they would review it. I pointed out that my tax bill was {$520.00} and my current escrow amount is {$4300.00}. And, an additional {$330.00} would be added to my escrow balance each month with my payment. 

They said they didn't have the bill from the county. I emailed them a copy of it and contacted them again today. Now, they say they need eighteen months of on-time payments before they can review my escrow account. At that rate, they will have over ten times the amount of money in escrow that they need to pay my taxes. This is unethical to me.

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 2018-11-05 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have applied a Chase XXXX XXXX card by using the online portal of Chase. I have clearly read the terms and conditions ( price and terms ) before apply the card and its clearly mentioned like " 0 % Intro APR for the first 12 months that your Account is open. 
After that, 17.99 % to 24.99 %, based on your creditworthiness. 
These APRs will vary with the market based on the Prime Rate ''. After I have applied they approved my card with APR of 21.99 % and they didn't provide me the promotional APR which mentioned in online. I have contacted Chase customer care immediately and they " that was a computer mistake, you will get 0 % APR, please wait 2 or 3 days '' but didn't get that. So, I have contacted again, and went to Chase branch to rectify the issue ( showed them the document which I have downloaded from online, and also showed them the Chase online website, sent the screenshot ) but they are now saying " I have applied the application with APR, and they are unable to change anything ''. 

Logically : if its showing APR in price and terms, I wouldn't have apply the card. Also my friend which referred me have the 0 % APR. 

This is completely misleading a customer like me. Please review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: CA

Complaint narrative:
Navient has encouraged me quite often in the past to get " Forbearance '' and then " Consolidation '' when I had personal setbacks like divorce and paying for my children 's college loans and mine which I took to get relief. I inquired and completed forms for " Public Loan Forgiveness '' and Teacher Forgiveness '' to no avail. I have spent countless hours on the telephone with Sallie Mae and Navient employees. I have now retired and inquired again about forgiveness programs after 50 years of working in XXXX, specifically with XXXX XXXX XXXX XXXX, XXXX XXXX   children and adults and XXXX populations. I was told that I did not qualify for either program because I followed through with their advisement that I consolidate my loans with my children 's loans. I did not have a viable option at the time because my children 's colleges/universities did not allow students to apply for student loans. I have been put in a " no-win '' situation by both Sallie Mae and Navient with their forbearance schemes and false encouragement to consolidate and their determining my payment options without my consent. ( I am asking for forgiveness of this extremely large debt, although I have maintained these payments by " robbing Paul to pay Peter '' analogy. ) I have just received an increase notice which competes with my mortgage payments. In fifty years, my student loan debt has not shown any decrease due to their machinations, captialized interests, and poor advisement. Thank you.

Company response to consumer: Closed with explanation