vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 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: MI

Complaint narrative:
I have been going back and forth with Discover Card for the last 3 months. I have lost at least 1.5 days off of work having to talk with different departments within Discover Card company. Beginning in XXXX, 2017, through XXXX, 2017 ; I found that my card was charged over XXXX in charges to one merchant ( XXXX XXXX XXXX ). I only found this out when I received an email from the company that my credit card was at it 's limit. I talked with at least 10 representative stating that I did not make these charges over the course of 1 week. I was at first credited the charges on my account, and then after their ( Discover 's ) investigation stated that I am responsible. I then spoke with Discover and asked them what measures they have to protect me if charges are made to my card that are EXTREMELY set afar from my normal uses. Again, I was told that they will investigate. On X/XX/17 Discover credited my account for {$5500.00} stating it is a transfer balance. I received no notice or explanation. They also credited my account for {$780.00} on XX/XX/XXXX. When I seen that they credited my account for the full charges, I immediately paid off any other balance and closed the account. I told them the reason is I had no protection from this company and I was very unimpressed with how they treated me as a customer. Today, I received an email from Discover stating this : This is an alert that you set letting you know when your Discover card account balance is over {$500.00}. Unless your alert amount is set at your credit limit, this does n't mean that you 've gone over your credit line. Balance Alert Amount : {$500.00} Current Account Balance : {$5300.00} Credit Line : {$7200.00} Date Exceeded : XXXX XXXX, 2017 They have now charged my card again, yet a different amount of XXXX. My brother works for the XXXX XXXX and he said, before calling the company again, to seek assistance with the Protection Bureau. I have included the last 5 months statements to show the transactions the company continued to approve and the proof of transfer balances, credits, etc. Any help in getting this resolved would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On  XX/XX/17    my account was frozen without my consent so I called the bank and I was told to visit a branch which I did and I spoke to the bank manager and she told me they have to closed my account which I requested for my money on the account and the amount was {$630.00} and they told me they can give me the money right away I have to come on the next day because their system ne ed 24hrs to process the   fund.And I came on the next day the manager told me to wait for 14 days to received the check by the mail and I left I waited for  30days  no paid is made to me and I went to the bank again and they told me I incurred a fees for the closing account so they cant give me any money.

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 2017-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CBM Mortgage, Inc.
State: VA

Complaint narrative:
We applied and were approved for a construction loan in  XX/XX/XXXX . We owned the land outright and so the loan was for the construction of the home only. Our lender,  CBM  Mortgage, recommended  XXXX   XXXX  to do the construction as they had recently done work with them. After speaking with the owner,  XXXX   XXXX , we entered into a building contract with him.  <P/> Construction on the home began in  XX/XX/XXXX . Throughout the process, the builder had issues making important dates and there were many problems. However, it became apparent that CBM Mortgage had given the builder draws that were not equal to the amount of work that had been done. No one with CBM has been able to explain the draw process - were appraisals done and if so, where are they? Were invoices submitted to justify payment?  <P/> There were many calls back and forth to both the builder and the mortgage company and we were assured everything was being done properly. Fast forward to  XX/XX/XXXX , and we receive a call from the owner,  XXXX   XXXX . He said all his assets have been seized by the IRS and he can not complete the home. A representative from  CBM  assured us that they will continue to work with us if/when we find another builder to complete the loan and if we need more money, they will make an exception to help complete the job. We began negotiating with some of the unpaid sub contractors ( the excavator ), but in that process, it becomes apparent there are several mechanic 's liens against the property ( over {$50000.00} ). CBM back tracked on their statement and said that until the mechanics liens have been paid, they are unwilling to fund anymore of the construction.  <P/> We believe that CBM Mortgage and   XXXX   XXXX   have ( or had  )  an undisclosed business relationship. We believe the owner of CBM Mortgage has loaned  XXXX   XXXX  money when times were lean and that he knew  XXXX  did not have a strong financial position. If  CBM  Mortgage was working in our best interests, they should have disclosed any and all information they had to make sure we could have made an educated decision. We also believe that  XXXX   XXXX  may still be in business as his trucks have been seen in the CBM Mortgage parking lot.  <P/> We are not sure your bureau is the correct department to handle this, but we certainly believe the lending process was not following as it should have been. Representatives from CBM Mortgage have been rude and unwilling to help. Now we face losing our land and future home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
A customer service agent from  Ocwen  Mortgage presumably in the  XXXX  called me and advised me that I needed to pay {$240.00} to reinstate the mortgage. No methodology of payment was required or provided. I made a payment of {$61.00}, the normal payment, a payment of {$120.00} or twice the normal payment and a payment of {$61.00} all using  XXXX   XXXX  Bill Payment.  XXXX   XXXX  immediately takes the money from my account into a suspense fund and makes the payment electronically to  Ocwen. Ocwen  refused the payment and returned the money electronically. When I asked why, they said that the electronic payment was not certified funds. They demanded that I send a wire transfer immediately. I did so from my bank  (   XXXX   XXXX   )  to their bank  (   XXXX   XXXX   )  costing me {$15.00}. I called in and spoke with  XXXX  ID #  XXXX  and she documented the wire transfer number, but was not able to verify receipt. I asked to speak to a  manager  to verify the wire transfer or to find out why they could not verify it immediately. I was transferred to  XXXX , ID #  XXXX  and asked why she could not verify the wire transfer of {$240.00}. I all got were standard answers and that it would take two days, blah, blah, blah. Sorry, I have been doing wire transfers for about forty years and they have been nearly instantaneous in that time frame. I asked  XXXX  to verify the wire transfer number and she initially refused. I said that  XXXX  said that she added the wire transfer number to my account. All of this transpired on Monday  XX/XX/2017   . I tried to reach the OCWEN Ombudsman, the prior Friday and Saturday, but to no avail. I had spoken to a Customer Service Representative in  XXXX  first thing in the morning and the guy just wanted to lecture me and create further problems. I demanded that this guy be fired.

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 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Boeing employees credit union recently reported my current home loan as derogatory, and closed due to chapter  XXXX  bankruptcy and now my excellent credit has dropped  XXXX  points at one credit bureau. I was legally divorced in  XXXX   XXXX . My ex wife filed bankruptcy a month later in  XXXX   XXXX  and included our home loan in the bankruptcy. The home was awarded to me. She signed a quit claim deed in  XXXX   XXXX .     I was in the process of assuming the loan with BECU to get my ex wife 's name off the home loan. In approximately   XX/XX/XXXX /  XXXX   XXXX   XXXX    I assumed the loan fully so that the loan is in my name only. None of the payments for this house have ever been late. No portion of this loan has ever been forgiven or written off. I have never filed bankruptcy or co filed bankruptcy I do n't see how it is even legal for them to report that my home loan, in my name only, has bee n discharged due to bankruptcy when it never was discharged. I have always been current with my l oan The credit union needs to remove the wrong derogatory information from my report and restore the loan as it was to show it current, all payments on time and no bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
I received a 10 day pay off. The payment closing payment was received by the company about 4 days early, and all numbers magically balanced to  XXXX . They did move some  to Escrow which they paid out as expected. I know that they will write off a min amount if they are owed but did n't think if they owed me that they can just make it  XXXX . I made two calls to them to get this resolved and they just kept saying it was correct. The second call they said they would progress it to another department but I have n't heard anything in 2 weeks . I do n't think this is legal for them to just keep money owed even if its  XXXX  dollars. In both calls, neither rep to explain how they got the balance as  XXXX  other than it was right. I 'm pretty certain they are just keeping extra money from alot of loans at closing and either customers arent paying attention or they are willfully frauding them. The details in the payment history just dont add up to Principle/Interest/Escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
X/XX/2017 My purse stolen. ( unbeknownst to me contained a blank check ) X/XX/2017 Fraudulent check cashed against my checking account U.S, Bank XX/XX/XXXX-X/2017 I contacted U.S.Bank, who instructed me to fill out fraud report XXXX I received a denial of claim from the Fraud dept., they claim that I 'm at fault for not securing my checks. X/XX/2017 I went to my local bank branch and was told that when the fraud dept makes a denial, it is finial. I talked to XXXX XXXX, branch manager at the XXXX branch. XXXX XXXX said that he would do what he could. After many phone calls and several weeks later, nothing has been X/XX/2017 XXXX XXXX said the Back Office would try and pursue the matter through the bank that cashed the check. Fidelity. X/XX/2017 XXXX XXXX called to say there was n't anything else he could do. He suggested that I pursue the matter through the other bank, Fidelity. I do n't think that is fair since US Bank was not successful in taking that route. XXXX XXXX said he would contact his Regional manager XXXX XXXX. X/XX/2017 XXXX XXXX offered me 1/2 of the amount of the fraudulent check stating that I was at least 50 % to blame. X/XX/2017 I contacted the CFPB to ask for their help in full restitution. Thank you.

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 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit reporting agency, has reported information without verifying my signature with a original copy, I have filed a 609 with Equifax, and they are in disregards of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In  XXXX     2016, the p ayment plan on a number of my private loans with Navient were updated, so I had a lower monthly payment of about {$600.00}.     Starting  XXXX   2016, we  started making additional payments towards the highest interest rate loan of 6 %, the  '  XXXX   Signature Student '.      As additional payments were made, and the balance on the highest interest rate loan went down faste r, Navient began re-dis tributing how the monthly {$600.00} was allocated across all loans by decreasing the amount paid toward the highest interest rate  (   XXXX   ), a nd increase towards all the others. They did this without our explicit permission, or without notifying us of this change.     By changing the payment terms, and applying less towards the higher interest rate loans,   Navient is in effect earning more interest on these loans than they should otherwise, had they left the   payment terms the same. Interest Rates on Lo
ans below, see the attached AllLoans.xlsx document for payment history and dates.       Interest Rate Loa n   6       XXXX   S ignature Student  4.75   XXXX  Signature Student 4.5  XXXX  Signature Studen t 4.5   XXXX  Signature Student  4.5   XXXX  Signature Student  4.5   XXXX  Signature Student  XXXX   XXXX  Signature Student 4  XXXX  Signature Student  4   XXXX  Signature Student  4   XXXX  Signature Student 3.75  XXXX  Signature Student

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America was presented estate papers etc   XXXX   XXXX   for deceased. Additional documents were presented for deceased   XXXX   XXXX  .   XXXX   XXXX   Bank of America 's legal division says they will not release funds

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 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group
State: DC

Complaint narrative:
I  have been receiving calls from Premiere Portfolio  for the past month. This company has contacted me from various numbers. Today I received a message from a  XXXX   XXXX  stating that he was a case supervisor and to call him at my convenience. I do n't even remember receiving any correspondence in the mail from this company. I have even checked my credit report to see if the company was listed on my credit report, but it is not. The number that was left on the voice message was  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
After 45 days and no voicemails, and no notice at all TitleMax on  XXXX   XXXX    XXXX   XXXX   in  XXXX , AZ repossessed my vehicle leaving me without means of transportation to work. I am a   XXXX   XXXX   XXXX   member who had recently started a new job and now is facing extreme hardship due to the unfair treatment of this company. This loan was for {$1100.00} and a payoff amount of {$1800.00} is now owed within 10 days. How am I to save the funds for my vehicle back without transportation to work? It is like the company was looking to do this to me. Very saddening. When I called and asked to pick up my belongings I was told there was going to be a {$35.00} fee to pick up my work security badge that was in the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: TX

Complaint narrative:
This number keeps calling my cell phone. They also called my sister looking for our Brother.     They are lying and saying he has won something and they are clearly a collection agency.     Both mine and my sister 's phone # are on the national do not call list.     Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focus Holding Company
State: MA

Complaint narrative:
Company is reporting on all    XXXX    credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My information on my TransUnion credit report is not accurate.     It shows that I paid late on my mortgage with  XXXX   XXXX  multiple times.  XXXX   XXXX  was the servicer during that time.  XXXX   XXXX  began servicing the mortgage on  XXXX     2015. Ther e are multiple  30, 60, 90 and  120 day lates on my credit from before  XXXX   XXXX  began servicing my mortgage.     These should not be on my credit. Please verify the date  XXXX   XXXX  became the servicer and if any payments after they began servicing were late.

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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I am disputing an account/collection that was opened in  XXXX  of  2016 with a  company known as    Convergent Outsourcing. Th ey are claiming that I owe the amount of {$670.00} for which I have no knowledge of.

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 2017-05-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Credit Company :  Barclaycard  Reward Program : Take {$100.00} Off Your  Next   XXXX   XXXX   Flig ht Offered By   XXXX   XXXX   XXXX   XXXX    MasterCard Pro blem : Reservation was made on  X/XX/2017   at   XXXX  as instructed by the program. However the tab " Gift Card/eVoucher '' was no where to be found on the web page for entering the flight discount code and the pin. I went ahead to complete the flight reservation. I wrote to  Barclaycard  on  X/XX/2017   an d raised the issue. I have attached the   XXXX   reservation Record  Locator Code and a copy of the reward offer discount code and the pin number I received a response from Barclaycard  dated  X/X/2017   -telling me they were unable to complete the request and a sked me to call their Customer Services. I call ed Barclaycard Customer Services  on  X/X/2017  . Th e Customer Representative told me to try to make another flight reservation using the discount code and the pin. I told her this was not acceptable. Then she said it was not their problem. It was   XXXX   XXXX   problem After waiting for an hour to connect with  XXXX , she came back and told me she could n't solve my problem.

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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc.
State: NC

Complaint narrative:
Drove on  XXXX  in   XXXX   and did n't realize that it had been updated to   XXXX   XXXX  , having travele d that road many times in the past as carpool lane.  The bill was {$33.00}, first charged in  XXXX . 4 months later, I am being charged {$120.00} from a collection agency, though they dropped that as first time to {$90.00}.   XXXX   XXXX   XXXX   XXXX  s the agency, tel  XXXX . To me, I wondering about the legalities of the overcharging. However, even if this is okay, they ask me to confirm my name, phone number, address. Then I pay, giving them my card number, expiration date, and security code. And they will not send an email confirmation or receipt! To me, this is unacceptable and probably illegal. I do not get a receipt?     I think that this seems to be taking advantage of a well meaning person who has a  credit score o f  XXXX  and never misses a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation