vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I, XXXX XXXX XXXX has been a USAA insurance and credit card customer for well over 20 years. For the first time ever when making a {$10000.00} payment on XX/XX/2020, USAA collected the payment from XXXX XXXX XXXX XXXX, but is refusing to apply the payment until XX/XX/2020. There is no reason given for this practice either. The only suggestion by USAA possibly offered is it's a new policy for large deposits to be triggered for possible money laundering. They even went so far as to suggest the institution in which the money came from was not recognized. It's been our bank for over 14 years and it's affiliated with XXXX XXXX where I'm a car designer. 

My concerns are they are collecting our and other peoples money for credit card payments and not applying it while at the same time charging us interest on that money we've paid back already, plus they are earning interest on the money going into their bank account. In addition, they are saying we are over drawn yet our limit advertised by them online is {$22000.00} and our balance is under {$15000.00} even without the {$10000.00} applied. In one area it's states {$22000.00} is our credit limit ; yet in another it says we are {$4600.00} and something overdrawn. 

We have called them twice about this. They seem just as confused as we are. Today at XXXX pacific time on a recorded call for 47 minutes I gave them permission to work this out with my wife, XXXX XXXX, joint account holder. They eventually hung-up. She was not rude or anything like that either. 

Please investigate. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-09-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased XXXX  XXXX tickets for my family members with my chase credit card. The tickets were not honored because my family members did not have my credit card physically present while boarding.The manager on duty on XXXX XXXX flight # XXXX  XXXX from XXXX to XXXX on Friday XX/XX/2020 did not allow my family members to get on board. No boarding pass were issued. My family members were present at the counter and were denied boarding. The surveillance cameras at the counter will show that all of them were present. One of my family member sent feedback to XXXX XXXX online for the problem they were facing. Due to COVID-19 my family members were stuck at the airport for five days.There was no way I could have sent them the original card. I called via video link to speak to the manager on duty. I sent him copy of my ID, showed my original card but he refused! It was an emergency. I could not let my son and other family members sit at the airport any longer.I had to purchase new tickets for them to go home. Please see attached copy of new tickets from another airline. 
I tried to contact XXXX XXXX numerous times but due to COVID, my calls could not get through. I even made visit to their office in XXXX XXXX but I could not get any help. 
I disputed XXXX XXXX tickets transaction number XXXX for the amount of {$3900.00} dated XXXX with my chase credit card. The XXXX XXXX never provided the services by not allowing my family members to board on the flight. Chase denied my dispute stating that " The Merchant has provided the information showing they believe the charge you are disputing is valid ''. 
The only information was provided that the flight was on time to XXXX! 
I requested the credit card company ( Chase ) to ask the merchant to provide the boarding passes if the services were provided to my family. But no response! 
Please contact me if you need any additional information. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In order to keep track of my mortgage payments to PPH Mortgage Services ( PPH ), a/k/a XXXX, I send my payments by USPS 2-mail with tracking. My monthly mortgage is {$760.00}. 
On XX/XX/2020 at XXXX XXXX  I call PPH to see why my payment for has not been applied to my account and PPH claim that they have not received my payment. After a 30 minute phone call with the customer service rep and explaining that I had tracked my package as being received by PPH on XX/XX/2020, the rep still did not have an answer for me regarding my XX/XX/2020 payment. The rep also told me that I could not send one check for payment that I needed to send 2 separate checks for payment since I have a split mortgage. I requested something in writing and has not received anything as of yet. The next morning XX/XX/2020, payment for {$760.00} had cleared my account overnight. 
It is now XX/XX/2020, I called PPH to inquiry about XX/XX/2020 payment which was received by PPH on XX/XX/2020. The customer service rep informed that I need to send it to the PO Box . I informed the rep that I have been sending my payment overnight via XXXX  to the same address since last year. I switched to the postal service with tracking in XX/XX/2020 due to working from home. I have until the XXXX of each month before a payment is late and I have never had a problem sending my payment to the business address. ( See attachment. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Today l checked my annual credit report. There is a credit card from XXXX XXXX XXXX XXXX XXXXTD bank  opened XX/XX/2019 on my report. I did not open this card. Luckily, nothing has been charged or paid on it. I want this account closed. I have been on phone ( s ) for hours, on hold with both XXXX XXXX TD bank. Because l only know about this card via my credit report, l don't have all 16 digits of the account number to close it online. Also, because l didn't open this account, my phone number doesn't match up with anything they have on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Receiving two credit card charges every month from Experian for more than a year. We have engaged Experian more than half a dozen times to get resolved, and while doing so we found out from a supervisor that there are actually " two '' Experian divisions billing us. Per that supervisor ( from the division that actually answers their support phone line ), they can't help us with the " other '' division that is erroneously billing us - and that " other '' division won't answer their phone even when numbers are provided to us by the " responsive '' division. We are officially at a dead end and now we are disputing the erroneously billing each month with our bank - but the charges keep coming and we keep disputing.

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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have a XXXX XXXX account with the firm robinhood and XXXX XXXX  is the partner bank that issues my debit card and my account has a XXXX XXXX  routing number so Im assuming thats who has my money as well ok so on XX/XX/XXXX i deposited {$35000.00} into this account and from the moment they received my money they have denied me access to my funds in any way possible my debit card never worked I couldnt transfer it back out to any of my other accounts or pay bills with my account and routing number or send out checks none of the features they advertised I contacted the company numerous times they have no live help so I can only email and wait for their reply which they would sometimes ignore me for weeks at a time during this nightmare they would ask me documents which I provided numbers of times to numerous support agents and their upload portal as well and they would ignore me again then write back in a week asking for the same documents then finally yesterday I was told they would be deactivating my account and discontinuing their relationship with me great best news in a while only when I asked about getting my money back I was met with a very vague you will not be able to withdraw any funds reply I asked again surely they can not keep my money from me but thats exactly what theyre doing is that keeping my money from me this entire time and now nobody will answer me as to how and when I get my money back from robinhood or XXXX XXXX  nobody its a joke this is almost {$35000.00} were talking about here and its really killing me not having any access to my funds for this long and I dont know what to do please help me all I want is my money back and to be done with this nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Southern Auto Finance Co
State: OK

Complaint narrative:
I was struggling making payments on my truck due to being unemployed. Safco stated that they were willing to work with me, however, repossessed the vehicle without notifying me in early 2019. The vehicle has since then been charged off, auctioned off, or resold. My credit is greatly suffering, especially during this pandemic crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report, Notice to Furnishers, and XXXX Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hi My name is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) XXXX It all started in XXXX when my husband and I decided to invest in buying houses for a better future ( There is a lot of history behind this loan with XXXX  XXXX XXXX, XXXX and others ) I been on critical financial hardship that's we started a Bankruptcy XXXX But still not closed I'm still have the risk to go to a foreclosure our home was on auction last XXXX We try hard to do a modification last year and part of this year but they never send us packaged they all the time offer us but they never send it to us No explanation on why they can't offer a modification. A person explain to us that This LOAN is not a correct loan something is wrong with this loan. because this load was XXXX  XXXX XXXX, XXXX ( same as XXXX  XXXX XXXX ) after that change to couple Nationstar XXXX XXXX XXXX  / Servicer Mr. Cooper not sure who can help us Now our Lawyer is helping with the Bankruptcy XXXX but she don't know about real state. But my direct question is Why they don't want to help us with a modification? and why we still have the same Loan since XXXX XXXX When XXXX was sued they have to return part of the balance to the principal loan to a lot of people But except us Why? 
At the least we would like to ask what to do. To ask the Bank to help us to modified our loan or return the money we pull from our primary home to our primary principal loan Our address is XXXX XXXX XXXX XXXX XXXX CA XXXX If we can't do anything about our Principal Balance at the least we would like to try to modified. 
If I remember correct and I'm still have a letter from XXXX XXXX because I send a letter to her between XXXX and XXXX asking to review our fraudulent loans and she response to us to look for legal assistance but we never find the correct person. 
On this loan is a lot of suspicious activities like electronic escrow transactions and more Also a loan in this loans for XXXX dlls that the only Bank appears is XXXX XXXX same as XXXX The trustee for Bankruptcy try to bring them to court but they never arrived. But the lien still in our home I hope you can help us or to guide us what to do. 
If nothing what we can do because this happened long time ago AT the least we would like to know why thet denied the modification to us. 

Thank you XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: TX

Complaint narrative:
On XX/XX/2020 a validation letter was delivered with certified mail to Kingston Data and credit at this day I dont receive anything to validate that debt I want them cease collection activity I dont want contact by this company anymore. I dont want them reporting such invalidated information to major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I was very disappointed after securing a Wayfair card from Comenity Bank when needing a new mattress. I thought I could pay the promotional balance by the end of the promotional period to avoid interest, which I managed to accomplish. However, I was unable to schedule payments more than 30 days in advance. I could not schedule a minimum payment either. With my current life circumstances, I couldn't always access my account in a timely manner because I am a single working parent of XXXX XXXX XXXX  children in a demanding XXXX XXXX field. They did refund some late fees of {$35.00} for me, but there are still two for a total of {$70.00}. So even though my charged amount is paid off and my account is closed, they are still sending me statements for late fees totaling {$70.00}. 
I complained to the customer service agent many times over the course of the 2020 about what I felt were unfair credit practices. What credit card does not allow a minimum payment to be scheduled so you never make a late payment? What credit card does not allow you to schedule future payments so you can easily manage your account with minimum amount of effort and time exerted? Comenity Bank, that's who!!! Because they are making bank off of hard working, over scheduled consumers who don't have a lot of time to micromanage their accounts. 
Now they have reported to the credit bureau and my excellent credit has dropped several points. 
I can't feel good about paying {$70.00} that resulted from their unfair and unethical business practices and I want this money refunded and my account with Comenity permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: OK

Complaint narrative:
No contract with this agency. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
Rocket mortgage is making false advertising claims. Their TV ad claims that an approval letter from Rocket Mortgage is as strong as an all cash offer and puts you on the same playing field as cash offers. This is a lie. Furthermore they are targeting XXXX Americans with this advertising which is a predatory lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-23 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX - Purchase date for 3D printer - I paid with my discover card through XXXX to the manufacturer XX/XX/XXXX - Asked to return the printer ; return label was sent by manufacturer XX/XX/XXXX - shipped the printer back to the manufacturer?? Filed a dispute with Discover card to stop payment on the faulty printer XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XXXX - Threatened the manufacturer with charges of theft ; at this point they had my money and the returned printer, from my perspective. 
?? - Manufacturer got back with me via phone and said that XXXX told them that Discover ruled in favor of ME in the dispute. Discover denies this. Manufacturer agrees via email to refund me the money, but won't do it until the payment is processed through to them. Manufacturer says that XXXX is telling them that they haven't received notification from Discover that the dispute has been resolved in the manufacturer 's favor. 

Today, I spoke at length with Discover asking them to email me proof that the dispute resolution has been sent to XXXX. They agreed to mail me a copy of what they've already sent me, but will not produce proof of what they sent to XXXX. Discover will not send the required notification to XXXX to release the payment to the manufacturer, therefore the manufacturer will not process my refund. 

Now, I don't have the money ( ~ {$1900.00} ), I don't have the faulty or a working 3D printer, and I don't have any way to prove to the manufacturer that they will get paid so that they can refund the money. To the best of my knowledge either XXXX or Discovercard has the money. The manufacturer has the returned printer. I have nothing. 


Purchased a 3d printer to make masks for local first responders due to COVID. Time sensitive purchase. The printer came in and never worked correctly, so I returned it. The manufacturer at first told me that they couldn't refund my money because of their return policy. So I began a dispute with Discover Card. 

Discover Card ruled in favor of the manufacturer.

Company response to consumer: Closed with monetary relief