vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
I have auto pay set up on my mortgage account, I have attempted to change the account in which it was withdraw from ( XX/XX/19 ) by calling into to Flagstar mortgage company phone service. 

Unbeknownst to be my biweekly payment scheduled was changed, and payment was taken from my account 1 week early in the amount of {$1400.00}, on XX/XX/19. I called the company on XX/XX/19, after realizing that the early payment had posted, and they informed me that they were unable to reverse my funds, or unable to assist me with overdraft fees over the phone. They assured me that the payment schedule would be changed back to my original payment schedule. 

I called Flagstar back on XX/XX/19 to ensure that my payment schedule had been changed, however they informed me that it had NOT been changed, and I was scheduled for another automatic payment on XX/XX/19, once again a week earlier than what I had previously authorized. At his time ( XX/XX/19 ) I elected to cancel the auto payment system. 
I specifically asked and I was specifically told I would not have another payment removed from my account since, I stopped auto pay. However Flagstar then removed an additional unauthorized payment of {$1400.00} from my account, causing over drafts ( XX/XX/19 ). 

I contacted by bank, to dispute this charge, and reverse this charge. 

My complaint is that my payment scheduled was changed without my authorization. My attempts to resolve this issue with Flagstar were met by many roadblocks, and I believe their policies are overly arbitrary and cumbersome. I believe that these practices are predatory, and warrant further evaluation by your agency, as I am sure others have experienced issues with this mortgage company.

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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I have submitted letters asking to verify the debt was indeed my debt and they have failed to submit proper documentation. There is no signature or acknowledgment that account was my account.

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 2019-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/19 I called Wells Fargo bank to try and settle a credit card balance I had, after holding for XXXX minutes I decided to hang up and call again.I still wasn't able to speak to someone, waited another XXXX minutes and agin hung up. ( I am a XXXX survivor and can't afford to get upset ), so this morning I called my mortgage person ( XXXX XXXX ) so we could hve a Three way conversation to try and resolve, but afer attempting again we spoke to three different departments and all they told us was ( HOLD ON WE ARE TRANSFERRING YOU TO A DIFFERENT DEPARTMENT ) .After and hour on the phone they told me that someone would call me back or e-mail me to resolve.I feel very upset that such a large company has such POOR COMMUNICATION and I may not be able to get my mortgage because of WELLS FARGO negligence.I have all the times we called and how many minutes we were on hold.

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 2019-06-21 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: National Collection Systems, Inc.
State: TX

Complaint narrative:
The CFPB investigated my complaint against National Credit Management. I asked National Credit Management to provide me with documentation that contains my signature solidifying the agreement between me, XXXX XXXX, and National Credit Management stating this debt would be repaid. National Credit Management has failed to provide this documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Information was already removed but still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I bacame a member of XXXX XXXX in XXXX, TX because It was closer to me than my regular gym. I had to memberships because of this issue. I had one with " XXXX XXXX '' and one with the XXXX XXXX. When I was becoming a member with XXXX XXXX  I asked the Customer Service gentleman that was helping me that If I decided to move and wanted to cancel if this would be an issue. He said no, you can just come to the front and cancel. Well I believed what he said and of course signed all the paper work believing in what he was telling me that I was signing. When the time came for me to cancel, I did just as he told me, I went to the front desk and told them I wanted to cancel my membership because I have moved and I would be no longer coming to their gym. They said to me that is not the way they accept cancelations. The front desk attendant handed me a piece of paper with the instructions on how to cancel. I went ahead and called the company complaining to them that was not the way the gentleman told me I could cancel. They gave me the run around, I told them they can check I have not visited their gym. They continued to take out the membership dues from my bank account for a year. I went ahead after e-mails and calls to the post office with the letter they said I had to write why I did not wanted to be a member. I did and I got the certified mail as they instructed. Also called and finally I got a cancelation number from them. Then it was very disturbing receiving a letter in XXXX of this year telling me that I was referred to a bill collector agency by the name of " First Credit Services , Inc. '' to collect a debt of {$54.00}. The membership is {$10.00} per month, which the company should reimburse me for all the months that they robbed me. Still they are trying to get more money. My credit card was lost and I had to get a new one. Know they did not have any credit card number and so they decided to do this. I reported them to the XXXX and it was supposed to be taken care of, but it wasn't oviously taken care of. I would like for this business to leave me alone. I would love my money back, but I know for sure this will never happen. But at least to leave me alone with this collection agency. This is rediculous.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
SageStream , LLC  XX/XX/2019 Received letter from XXXX XXXX XXXX ( recently moved so set up service ) SageStream gave XXXX XXXX XXXX credit score of XXXX ( just bought a house and credit score was XXXX, so way off ) XXXX XXXX XXXX directs me to SageStream. Call SageStream and you have to leave message - no reps available which is odd. Or you can fax/email all of your personal information ( driver license, social security number, address, etc ) which is not a secure method to send this type info when you can't get a hold of anyone at the company. 

I've read similar reviews about this company ( SageStream ) providing very low credit scores - probably because they get kickback and then XXXX XXXX XXXX can charge {$190.00} credit management fee which is absurd when you have great credit. I will disputing this with both SageStream and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo has repeatedly taken money from my savings account to offset an account that was closed over a year ago. In XX/XX/XXXX, before opening a new account I went into a local branch to pay what was owed. It was an amount under {$100.00}. I was told by the man opening the new account that because the balance was small he would forgive it and open a new account. Everything was going fine until XX/XX/XXXX when Wells Fargo started debiting my savings account whenever there is enough for them to take {$30.00}.

Every time I have transferred money in my savings to avoid their monthly fee, if I leave the money there they take it. So far my account had been debited twice for this. After the first time I contacted them explaining in great detail why I was not to be debited anymore. I gave them dates, times, and names ; they first responded by explaining to me what offset means. They investigated finding that the employee who helped me no longer worked for the company ; not that it matters regarding this. I had to write corporate several times. They never did any thorough check to see why a year later this happened. I was credited the amount. Never was it explained why a year later I was debited in the first place. I was assured it was a mistake but the same thing happened again the very next month.

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 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019 My account was fraudulently charged the amount of {$290.00} from a company called XXXX XXXX based in Washington state I live in North Carolina. I called my bank Bank of America ( BoA ) and told them the charge of {$290.00} was a fraudulent charge. In concordance with BoA policy they gave me a temporary credit in the amount of {$290.00} and said they will investigate the charge. 

On XX/XX/2019 I received a letting in the mail stating they the charge was found to valid and that they will be taking the credit back from my account. 

I then started my own investigation into this matter. I called the company that charged me XXXX XXXX. I spoke with a person named XXXX who stated on the phone that they were unable to find an account my name or my wife name. The person also stated that they indeed see the transaction but no product was shipped for this transaction and said it does will to be a false charge but will need to escalate the matter to their supervisor. 

I then called BoA to find out what kind of investigate was done by them into this matter and if they contacted the XXXX XXXX company about this matter. I was told they did NOT contact the company and they only monitor the card transaction and if they do not see any other fraudulent charges they assume that the disputed charge was valid. 

On XX/XX/2019 the money that was credited to me in the amount of {$290.00} was taken from my account even though I requested that the case be reopend and the merchant contacted. 

On XX/XX/2019 I visited my local BoA branch and spoke with the branch manger about this issue they called up the fraud claims department at XXXX and asked about my charge. They were told I needed to provide more evidence that is was a valid claim. I ask them how do I do that I received no product and even the merchant said nothing was shipped and the claim charge didn't seem valid. I was told I needed to send a fax with a statement saying it was a fraudulent charge and they will then reopen the case. 

Today XX/XX/2019 I still have not heard from BoA about the claim. when I call the Claims Department ( XXXX ) they only say that they have 45 days to investigate and there are no notes in the claim.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to secure my free annual TransUnion credit report from XXXX XXXX XXXX since XX/XX/2019. I also tried to secure it on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. Each time I have received the same message -- TransUnion is experiencing " technical difficulties, '' and I should try back later. I have made my requests at all time so of the day, from early morning to mid-afternoon to lat at night. Given the number of attempts that I made, it is inconceivable that I just happen to be making my requests when TransUnion 's system is down. It would appear that TransUnion is knowingly allowing its system not to operate or is being grossly negligent in maintaining it. In either case, federal law gives individuals the right to get an annual free credit report, and XXXX XXXX XXXX has been established to facilitate this. No credit bureau should be allowed to negate this right by failing to provide and maintain an operation system for accessing one 's credit 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 2019-06-21 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: LEXISNEXIS
State: IL

Complaint narrative:
I have called Lexus Nexus 3 times, spent a lot of time talking to them, and the latest attempt at a phone call resulted in only automated phone purgatory, no agent. I have talked to my insurance agent, and also the insurance company XXXX twice. Again, no one can identify nor resolve the issue. 
The issue is XXXX raised my insurance rates based in part on a credit report from XXXX XXXX. The report sent to me by Lexus Nexus only lists about 20 years of property assessments. They claim XXXX did not request a report. No one at either business can tell me what is in the report that is negative. There should be nothing negative as I owe no loan nor credit card balances, have not made any late payments and have a credit score in the 800 's. I am frustrated having wasted so much time to accomplish nothing with these two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: NY

Complaint narrative:
Investigation did not fix error on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There were several unauthorized charges made to my account. That I disputed with Chase Bank dispute department. Charges that were temporary reverse charges. Then later on recharge my account. Without any explanation as to how Chase investigation department found theses charges to be mine. Its been a long going issue with Chase Bank and their unfair practice towards their Customers. When it comes to disputes on unauthorized charges. Leading me to now seek legal actions against Chase. Im filing this complaint to show proof that I attempted to resolve this matter with an outside agency. The dispute dates Im filing this complaint about are XX/XX/XXXX for the amount of {$100.00} ; XX/XX/XXXX for the amount of {$66.00} and XX/XX/XXXX for the amount of {$41.00}. All disputes were denied without any explanation as to how they founded these charges to be mine. Chase also charged my account a {$34.00} for an overdraft amount of XXXX. When I asked for them to reverse it. Because I forgot to transfer funds from my other to cover the overdraft amount. My request was denied. This bank is beyond horrible. The fact that I still bank with them is depressing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 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: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I monitor my credit report very carefully as I am in the process of trying to obtain a loan with XXXX Mortgage. 
On XX/XX/2019 I received an alert that my credit was pulled. I checked with my lender as the inquiry was from XXXX XXXX and the alert said a Lender has requested a copy of your credit report. 
My current lender assured me this was not their inquiry as they no longer use XXXX XXXX. I was contacted by my previous Lender on XX/XX/2019 about the same time my credit was pulled. He called to follow up in my house search I made him aware that I had found a lender that worked with me and my house closing is this month. The next morning I checked again with my lender to make sure it wasnt her team that pulled my credit and again she assured me it was not her. 
I tried to contact XXXX XXXX my previous lender to verify if he pulled my credit report but he did not answer. 
I text him and he indicated he did pull my credit report by accident due to him having another customer with the same name. However I find that very hard to believe if you have to give all my personal information name, address, date of birth and social in order to run my report. 
My lender then asked me to contact his manager to make him aware and to have them remove the illegal inquiry. I contacted XXXX XXXX Mortgage come to find out XXXX doesnt work for them anymore he is now at Gateway Mortgage. I then contacted his current manager and still no response. I had to call around to get XXXX XXXX current email and managers email. Once I obtained this information I emailed his old manager XXXX XXXX current manager XXXX XXXX and XXXX XXXX on the illegal pulling of my credit report. 
Not only did he illegally pull my credit report but he took my personal information from XXXX XXXX Mortgage and used it to pull my credit through Gateway Mortgage. 
I received an email from a XXXX XXXX on XX/XX/2019 expressing apologies on the accidental pulling of my credit and they would work on reversing this act. To this day nothing has been done and the inquiry remains on my credit report. I need this matter investigated immediately. 
Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue. This negative reporting is harming my credit score. Please remove this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I needed to move money to my house mate. Despite using XXXX with another bank I am limited on capital one. I only could only send small increments or XXXX would put a hold on the funds. I tried sending XXXX XXXX dollars and it wad held so long i had to call to have the transfer cancelled. After that hangup i started just sending smaller amounts ( which was very inconvenient ). All of this was happening around the time XXXX was " officially '' malfunctioning. Since I had to break up transfers it made there be more of them. Some where in there XXXX or Capital One mishandled a {$100.00} XXXX  payment to my house mate. Over 2 months later out of no where I receive an email stating a withdrawal was started for {$100.00}. I called immediately to find out who was trying to take money. CAPITAL ONE told me they had no idea. After multiple calls, all saying they had no idea what was going on ; they told me to call back the following day ( which would be after my overdraft grace period ). After the charge and overdraft hit my account I was then told this was due to a XXXX error. No fee was waived. I was offered to put in a ticket to investigate the issue ( which is pointless when all of this was done behind the scenes, I was never alerted prior so I could resolve it ). The investigation of found no issue on their part and they referred me to XXXX. This type of behavior needs to be looked into. It's one thing to have a glitch with a company you partner with but it's not fair to then charge customers a service fee for a glitch. Especially when numerous calls were made in prior to posting to resolve this.

Company response to consumer: Closed with monetary relief