vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am attempting to redeem Cash Back Rewards that I earned on my Sam 's Club Master Card through Synchrony Bank. My last monthly statement shows that I have {$120.00} Cash Back Balance. I called into the Sam 's Club MC credit service phone number and I reviewed the Sam 's Club credit card web site. The Sam 's Club MasterCard web site offers no information or method on how to redeem your cash back balance. When I called in - the person I  spoke to was unable or unwilling to offer me any method to cash in the rewards and said I need to wait until XX/XX/2020 for rewards to be available but could not direct me to any web site/pages with their rules or explanations of how the cash rewards can be redeemed. It appears that Synchrony Bank Master Card is purposefully making the rules unavailable and misguiding consumers.

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 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Reference previous complaint : XXXX This matter is NOT closed. The bank 's response is NOT acceptable and does NOT address the question I asked. 

My question has always been : Where can I see the {$3.00} fee for outbound ACH transfers PRIOR TO LOGGING INTO AN ACCOUNT OR EVEN OPENING AN ACCOUNT?. Telling me I can see it on the screen after logging and in and initiating the ACH transfer process is NOT ACCEPTABLE. I also will NOT accept the generic terminology in the Digital Service Agreement that say 'we can apply whatever fees we wish whenever we wish without advance notice '. 

I expect a proper answer this time, or for sanctions to be imposed on the bank for failure to properly disclose fees. 


I opened the account in response to a promotion that offered a {$250.00} bonus awarded to accounts that reached a balance of {$500.00} within 45 days of opening and remained there for a minimum of 60 days. I honored my deposit commitment on XX/XX/XXXX and will let the balance remain until at least XX/XX/XXXX to honor the time commitment. I expect that bonus to be applied no later than XX/XX/XXXX. Sometime after that, I will likely close my account due to the extremely poor management replies to this issue. 

If the bank prefers to pay that bonus early and close the account, I'll accept that decision, but such closure MUST show as by my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Tesla, Inc.
State: TX

Complaint narrative:
I provided a {$1000.00} down payment to Tesla to reserve my spot in line for a future vehicle. At least 3 months ago, I do not have the exact date, I submitted a refund request and was told it would take 45 business days to receive. It's been long past that time period and I have not received my refund. When I called their customer service line XXXX the automatic call router would not allow me to speak to a representative and instead forced you to email XXXX which I did XX/XX/XXXX. No one responded to my email and I emailed again XX/XX/XXXX and received an automatic email stating the email account was no longer monitored. Looking online it appears this is a consistent pattern https : //forums.tesla.com/forum/forums/refund-deposit please help me obtain my refund. My account is XXXX and I'm requesting the refund check be mailed to my address ( XXXX XXXX XXXX XXXX, TX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: NY

Complaint narrative:
i am filing this complaint because XXXX, transunion and XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately

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 2019-12-24 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:
i am filing this complaint because XXXX, XXXX  and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: NY

Complaint narrative:
i am filing this complaint because XXXX, transunion and XXXX   has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts, i disputed. being that they have gone the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2019-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet has failed to provide an original instrument of indebtedness ( Master Documentation ) with my signature from the original creditor of the student loans from which they purchased. 

Nelnet ONLY provided the consolidation promissory note as a loan servicer and NOT the original instrument of indebtedness. 

I need to see the original instrument of indebtedness in its original form to consider this debt valid within 30 days. If not I will consider the debt invalid, null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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:
i am filing this complaint because XXXX, XXXX and equifax has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts, i disputed. being that they have gone the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC
State: MS

Complaint narrative:
I recieved a phone call from Recievable Recovery Services LLC on the XXXX of XXXX. They told me they were collecting debt in the amount of XXXX cents from XXXX XXXX Hospital services. I informed them if the debt was indeed real it was XXXX debt and I would make an effort to pay. I asked for an itemized bill to prove the debt was real. They tried to settle and I demanded a paper bill. They called me again today, on XX/XX/XXXX and again attempted to collect the debt. They said they had sent an itemized bill. I told them I didnt have that money and had not seen the bill yet. They offered again to settle for around 1400 dollars. The worker asked me to put it on a credit card, to cash put my 401k, and to borrow the money from a family member. I explained to her she was not my only creditor and was trying to collect the same debt another creditor had called about and that I could give her XXXX dollars a month until I was in a better position. She told me that was unacceptable. She informed me they would credit report no matter what I paid and when I asked what would happen other than that she refused to tell me. She also refused to allow me to speak to a manager. Different phone numbers were used for the phone calls and niether number works when dialed back. I never recieved a notice to dispute the debt and when I looked at her itemized bill it only shows the hospital name and the amount they say I owe with dates. There is no phone number on the bill or an account number specific to the company that I can tell and no information on how I can make a payment, just a stamp with their address and company name on it. She was abusive and inappropriate in her attempts to collect debt on XXXX  XXXX   without ever proving to me there was a real debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2019 I was charged a NSF fee of {$35.00} for a transaction of {$200.00} made on XX/XX/2019. When that transaction posted along with other transactions from that date the daily ending balance for XX/XX/2019 was {$86.00} XXXX positive balance ). I called Wells Fargo and was advised that when the XXXX transaction for {$200.00} was conducted my account was negative. XXXX transaction are not able to be completed if there is not enough funds in the account. 

In the past I was contacted Wells Fargo that they are not posting the transactions per their own Account Agreement, which states that transactions are posted in the order that their are conducted.

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 2019-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I XXXX XXXX is using the Consumer Financial Protection Bureau to file a notice with my mortgage servicing agent that I have a plan to pay off my mortgage in full by XX/XX/2020. I personally have experienced several financial set backs over the past year due to my employment issues. Even though those issues are now resolved, I have decided to sell my home and move out of the state of California altogether. Therefore, even though I am a few months behind in my mortgage, I request an additional six-months forbearance on mortgage payments, so that I can list my home for sale, make cosmetic improvements, and sell my home. Since my home has over {$200000.00} in equity, I do not see any problem getting it sold. Accordingly, I respectfully request the necessary documents to be emailed to me by Shellpoint Mortgage Servicing to complete the forbearance request as quickly as possible. I will list my property with a local realtor by the end of XX/XX/2020 to start fulfilling my obligation to close out my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Last Wednesday, XX/XX/XXXX, I was looking to purchase 2 tickets to a XXXX XXXX basketball game. I found a listing that had great seats for {$100.00} a ticket, and went ahead and messaged the person. I had a good conversation with them, they sent me proof that they had the tickets, and everything seemed fine. 

I asked what they wanted to do for payment, and they said they didn't wan na do XXXX because it caused a huge headache for them last year with a hack. They'd prefer to do XXXX. I was hesitant here because I know that XXXX has the best protection and I messaged my concern to the seller. I also asked if I could send {$100.00} for the first ticket, then he sends the first ticket, then I send the rest of the money, and he sends the second ticket. This way I could have a little bit of security. He didn't reply for a couple hours, so I messaged him for an update. He told me he didn't feel comfortable doing that and gave me best of luck finding seats. 

I figured that he had to be legit at this point. If he was scamming me, wouldn't he have just taken the {$100.00} and left? So I messaged him again and agreed to do it all at once over XXXX. Now since XXXX is through the banks, and is linked to social security numbers and identities, I figured that if I was being scammed it would be easy to reverse the payment and find the person. He told me he was already lining up something with someone else. I offered {$120.00} a ticket and begged him a little to sell to me. He agreed. 

I sent the payment through Wells Fargo XXXX, ended up sending {$250.00} total, he messaged me that we was transferring the tickets, and they never came. Tried calling/texting him but no answer. 

The phone number he used to text me was XXXX The XXXX name was XXXX XXXX and Phone number was 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 2019-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I have made large payments to suffice the loan. ( I made 3 payments in one month ) The company is advising they would apply that only to one payment and charge a late fee on the next one. I should not be charged fees when I made such a large payment. They are advising they are unable to apply to any future payments. Its a scam in regards to how they can collect late fees and should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received two separate notices of Stop Payment Orders for checks dated XX/XX/XXXX. My account was charged {$20.00} for each stop payment. I have not initiated any stop payment orders for this account in a far back as I can remember ; nor has my co-account holder. First, let me state that my concern is not for the charges for the stop payment orders. These funds have been restored to my account ; but rather for the apparent lack of visibility, ability to track transactions in PenFed 's financial systems indicating a lack of an ability to audit transactions, and the apparent vulnerabilities in PenFed 's transaction/accounting systems. When contacted, PenFed attempted to research these stop payment orders and communicated to me the following information : 1. The  check numbers referenced in the stop payment orders are not in the current series of checks I am using. In fact, checks in this series ( XXXX series ) have not been used in about 30 years for this account. 
2. They can not identify the payees or amount of the checks in question.

3. Since the account was charged for these stop payment orders, the orders had to originate from within their ( PenFed 's ) system. Had they been initiated on-line, there would not have been the {$20.00} charge applied. 
4. PenFed can not identify who initiated these actions.

5. PenFed can not find the original transactions which triggered the stop payment orders.

I find this to totally unacceptable in a financial instituion. I believe this lack of accountability/auditablity to a major vulnerability and potentially leaves PenFed and its customers open to fraud.

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 2019-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OR

Complaint narrative:
Quick Summary : Wire transfer funds ( approx {$2500.00} ) stuck in intermediary/correspondent bank account ( XXXX XXXX, XXXX XXXX XXXX ; Swift Code : XXXX ; account # XXXX ). Neither receiver or I have access to the funds. I need the funds to be refunded so that I can send them to the receiver 's beneficiary account which is based out of XXXX ( XXXX  XXXX XXXX  ).  Both XXXX XXXX ( intermediary account to which funds were sent ) and XXXX  XXXX XXXX XXXX ( account from which funds were taken ) have repeatedly directed me to one another, stating " they would have to be the ones to handle that. '' I have spoken to upwards of 12 different employees across both banks since XX/XX/19, yet no one has been able to provide me with the concrete steps of this process, or provide me with any concrete assistance. Details : Funds were transferred via Western Union on XXXX ( Tracking # : XXXX XXXX XXXX ) from my XXXX  XXXX account ( sender 's account from which funds were taken ) to the XXXX account ( the intermediary account of the receiver 's bank where funds were deposited ). The receiver 's beneficiary account is XXXX XXXX XXXX located in XXXX, and they are not able to initiate the transfer from XXXX ( correspondent 's account ) or reject it so that it is returned to me. At this point, funds are completely stuck in the correspondent bank account with XXXX. Companies Involved/Steps Taken : Western Union : funds transferred from sender to receiver 's intermediary account through Western Union wiring service ; they stated that they are unable to refund funds that have already been deposited XXXX XXXX  : Receiver 's intermediary account ; both wire transfer department and accounting department continue to direct me to XXXX  XXXX and say there is nothing they can do on their end XXXX  XXXX : Sender 's account ; both wire transfer department and accounting department continue to direct me to XXXX and say there is nothing they can do on their end. They have also refused to reach out to XXXX on my behalf or engage in a conference call, even though employees have done this before for me. XXXX XXXX XXXX : Receiver 's beneficiary account ; they stated that they have no access to the intermediary account with XXXX, so they can not initiate or reject the transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have been a customer of USAA since XX/XX/XXXX, but on XX/XX/XXXX, I became a victim of financial profiling by USAA. USAA violated my civil liberties, financial security, and privacy by threatening to suspend online access to my financial accounts, if I failed to provide information on my 1 ) annual income ; 2 ) estimated net worth ; and 3 ) status as a current or former high-level elected or appointed foreign government official, or a relative or close associate of one. Moreover, it is my belief that USAA is using the Patriots and Bank Secrecy Acts to gather intelligence on high-ranking military personnel for purposes incongruous with U.S. banking laws. Its action to suspend my online access to my financial accounts for the sole purpose on gathering information not relevant to my banking activities or needs violates my privacy, financial security, and civil liberties, as an American citizen and veteran of the United States military.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
My boyfriend received a court summons for my debt from the collection agency. The medical office to which I went was for me only and the insurance and guarantor information was for me. He was listed as an emergency contact. They are suing both of us and we both received summons separately for my debt that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Asssoc reported a debt for {$2100.00} on my credit report as an account opened in XXXX of 2018. It lists the original creditor as " 08 XXXX XXXX  XXXX. ". I have only had three credit and merchant accounts in my life and XXXX was not affiliated with either. I had NO credit or merchant cards opened in 2018. I contacted PRA where the representative refused to provide evidence of this debt or to remove it from my report. Instead insisting only that I owned them {$2100.00}. He refused to open an inquiry of any sort or take any action regarding my dispute. I have disputed this debt with all three credit bureaus and hope that this attempt to scam me is corrected in a timely manner. 
XXXX XXXX  is apparently no longer in existence as I did try to reach out to them to correct this error.

Company response to consumer: Closed with non-monetary relief