vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My house was damaged by hurricane Irma in XX/XX/XXXX. I received a check from the insurance company ( XXXX XXXX ) for {$69000.00}. The check had my mortgage company ( USAA ) listed as one of the payees so I needed their endorsement to cash the check.

I provided all required information that USAA asked for to show the house was repaired. They even charged me {$35.00} to have an inspector inspect the home to insure it was fully repaired.

I overnight mailed the check to USAA and they received it on XX/XX/XXXX. I spoke with them on XX/XX/XXXX. They advised me they would endorse the check and send it back. On XX/XX/XXXX they cashed the check and advised me they deposited into their account. They no longer feel the inspection that they was completed in XX/XX/XXXX and that they charged me for in XX/XX/XXXX is good enough. They have not rescheduled another inspection they are just letting it sit for now. 

They have provided no details on what they now require. They have stated they are reviewing the file and let me know what they will do once the review is complete. 

Their website " XXXX '' states my inspection was cancelled and needs to be rescheduled but, I can't reschedule it because it is completed. 

From XXXX to present I completed all the repairs to my house. Their inspector agreed that all repairs had been completed in XX/XX/XXXX. They have now cashed the check and are keeping the funds because they are unhappy with the inspection they completed and charged me for. 

I have even asked them to apply the funds to the mortgage balance. USAA stated they are not able to do that because the funds are not mine. They stated the funds are now theirs until they complete the review with no details about what they are reviewing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PR

Complaint narrative:
Account from XXXX XXXX. 
The whole account Balance of {$360.00} for XXXX XXXX was paid in person, was paid in full and in cash, back on XX/XX/2018after the customer service representative in the store denied taking my payment because I was using a Debit Card with a Visa Logo and had a chip. 
They did not gave Me a received Because it couldn't print but later that day I did received proof of payment by e-mail from XXXX XXXX. After a week the payment was never posted to the account, so I requested an investigation. After weeks in some of the Credit Bureaus it was update that the account was paid in full. But an about two months later I received a letter stating that they couldn't find the payment so they reverse all charges. Not only that they reduce my credit line from {$8000.00} down to {$500.00} dollars they also closed the account. 
Now they ( XXXX XXXX ) is reporting the account every month to Credit Agencies being late and are charging every month late fees.

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company never notified me of regarding the collection I had in their office, which is violation of the FDCPA. I reached out to them on a voluntary basis after speaking to the original creditor and being informed by them that my balance had been submitted to National Credit Systems. I have made numerous attempts to reach out to them in order to voluntarily setup a recurring semi monthly arrangement to resolve my balance. On all occasions I have spoken with XXXX. XXXX XXXX and she has been nothing but rude and inconsiderate. She has refused to accept payment from on 4 different occasions twice of which were on a recorded line. I did advise her that the line was being recorded and expressed that I would like to set an arrangement to resolve my balance however I could not afford the amounts being offered by her. XXXX. XXXX used very aggressive and intimidating tactics in attempts to collect the balance from. She even went as far as to deadline and say that if I didnt pay my balance by XX/XX/XXXX that they would be placing it on my credit report. I question as to how this could be done when they have never even notified me of the balance being in their office and she advised that if I didnt pay by then the damage would be done. Again I know that I cant be deadline as to when this will be applied to my credit report or threaten by damaging my credit in order to coerce me to pay. This is yet another FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to local branch and made a deposit for total of XXXX dollars in my business account money is nowhere to be found went to the branch spoke to a banker he called it in they are saying it will take 10 days to investigate the reciept is there it is banks fault Wells Fargo is not admitting they messed up either someone stole the money or this is how they do business I am being hit by bad business from my creditors because Wells Fargo goofed up

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 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
This account {$340.00} for CommonWealth Financial for XXXX XXXX XXXX XXXX showed up on 2 of my credit reports XXXX and XXXX. It was from 2012 apparently and supposed medical bill. This collection account was purchased from XXXX XXXX XXXX XXXX and then sent to Commonweath Financial. I disputed said account as it only had my name and nothing else. I made calls for about 2 weeks and unable to actually verify debt. When disputing with credit bureaus Commonwealth advised debt is verified but there is no social security number, address has never been mine or the phone number listed. When you see my address on letters from CommonwWealth is because they got it when I disputer with credit bureaus. When I sent in verification of debt with Commonweath they only provided what was sent to them from XXXX XXXX. I have never once received an actual statement or bill regarding this and refuse to pay it. I think it is a shady tactic for collection agencies to throw these accounts on credit reports when debts are 7 years old to try and force someone to pay something that cant be verified other than a name. I have spoke to XXXX XXXX as well and they cant even verify anything outside of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a checking account in XX/XX/XXXX with BMO HARRIS BANK. I signed an agreement that allowed me to access my account online through bmo harris 's portal. 

XX/XX/XXXX I tried to access my account using my id and password and was directed to another portal instead of my account. At that portal I was prompted to check two boxes signifying my agreements to new terms and conditions and I refused to check. When I refused to check I was not permitted access to my account online. My online account has been taken hostage until I agree to a new agreement. 

What happened to the agreement that allowed me access to my account since XX/XX/XXXX??? I contacted bmo harris and spoke to XXXX, and then to whom I was told was a manager named XXXX. Neither would allow me access to something that only twenty four hours prior I had had access to. And XXXX refused to give me any officers names in the harris organization that I could contact by calling or email, and would give no names to whom to address my complaint via snail mail. I feel like he was deliberately being unhelpful. 

Once the accounts are established through signed agreements and I am in receipt of agreed upon services, I in no way expect for those services to be interrupted until if and when I enter into another agreement. I think such behavior is bullying, intimidating, immoral, abusive, and possibly illegal. The bank has no right to XXXX XXXX, arbitrarily, change the original agreement because it suits their needs or desires, and if it does and I agreed to it then I don't have to agree to it again. 
After getting in touch with management I was told " If you feel that you can not agree to the online terms, then unfortunately we will not be able to grant online access to your accounts, however, you can still access your account information via telephone banking, branches and ATMs. '' I was also told by by the bank representatives that I had agreed to several changes in the past and that I checked agreement boxes in order to access my account. 
Those are lies, subsequent the initial agreement I have checked no other boxes to access my account, nor was I was allowed to access my account by telephone. My pin was not recognized, and when I called I was told that I had never set up a pin and had never accessed my account by telephone before, whereas I used to use the telephone service almost exclusively. This is not a dormant account, never has been and is used daily through a debit card. 
I feel I am being taken advantage of by a banking system that is possibly violating the law by such actions. 

XXXX 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 2019-02-12 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: CT

Complaint narrative:
I initially in writing to Chase Bank in late XXXX about a charge that was unauthorized on XXXX from XXXX in the amount of {$790.00} after many letters and complaints they still did not do anything yet in XXXX they closed my original account and reissued a new account and sent me a letter indicating they moved this charge to fraud and it would be immediately credited however they have failed to do that and almost 8 months later it is still on my statement and I'm getting charged interest. Even after this I still use my card and PAY for my charges and have never been late however I will not pay for a charge I didn't make and refuse and Chase refuses to do anything even after many attempts and letters they write stating so. I feel this is last step before I begin a case in XXXX XXXX XXXX XXXX against them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This is not a duplicate complaint. This company stated the following for case number XXXX-XXXX  dated XX/XX/2019. 

**The account has been marked as disputed and a deletion request will be sent to the credit reporting agencies to temporarily remove the tradeline from reporting during the Validation Period dispute. ** These amount are still on my credit reports and it has been 30 days. Below is my original complaint : This company continues to viciously attack me with no proof of any debt that supposedly stem back from XX/XX/XXXX- almost 7 years now for the amount of {$1300.00}. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XX/XX/XXXX-XX/XX/XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! I need this resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid off my synchrony bank XXXX account in XX/XX/XXXX but they have not updated reflecting my account balance is {$0.00} and that I cancelled this account. 

Each time I review my account it shows open with a balance as if XX/XX/XXXX. If I was late paying on my account they don't hesitate to make that update. 

I have for 5 weeks trying to get them to show I owe them nothing. 

I spoken to customer service representative and managers to supervisors. 

Clearly admits I don't owe but they have not updated this information when they share with others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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:
late XXXX, XXXX, equifax had removed XXXX information from my credit report. Upon checking my credit report 30 days later, equifax placed it back without anything in writing. i have called and have been told there is a system issue and they claimed they removed it again in XXXX XXXX i called again and wrote letters in XX/XX/XXXX and I have been given negative answers from the system is down to the information was verified with no method of verification in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hi, This complaint is against Citi bank. I opened a checking account and qualified for the promotion bonus. I completed all activities as per the rules of the promotion and now Citi bank is making me wait 30 more days which is was not as per rules. I also received email from Citi confirming that I met all the requirements and promotion bonus of {$400.00} will be deposited in one month. This email was sent to me on XX/XX/XXXX and till today I have not received the bonus money. When I called customer support they are saying I have to wait for 30 more days. Please help resolving this issue.

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 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management
State: TX

Complaint narrative:
On XX/XX/2009 Pendleton Capital Management contacted me at XXXX XXXX. Before hours of being able to contact me concerning debt issues. The day before, I learned that they had contacted my other family members that I had not put down in the loan concerning this debt. The representative from their company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Received a judgement against my previous landlord. After factoring the monies paid toward the deposit when i moved into the resident no money was owed. The management company sold the account to a collections agency for {$8500.00} when judge ordered no money was owed. I sent the judgement to the collection agency and they reported the money to the credit collection agent IQ Data, Collection company said they dont care about the judges ruling. I questioned how they even came up with the  figure reported and they refused to send me a detailed statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have by given the run around concerning my loan and loan for over 25 years. I had two different loans with Sally Mae that were combined and taken over by Navient. On my last phone conversation with Navient, I was told that Mr .??? would call me back by Thursday, XX/XX/2019 to explain why I have two different payment books. One that is {$100.00}. more monthly. The problem occurred when people from two different  departments went back and forth giving me information on how to lower my monthly payments. Both Persons filled out paper work in an attempt to lower my payments. Navient says I have to go with the higher monthly payment because that was the last paper work that was filed. My {$260.00} ... monthly payment is due XX/XX/2019. Basically, I feel that I have been given wrong information throughout the 25 plus years and this has even caused me not to be eligible for their student loan forgiveness or public loan forgiveness program. I have been told that my loans don't qualify because they are federal loan. I'm not even sure when or how this all came about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I received multiple transaction alerts for charges I did not do. On XX/XX/XXXX only one had posted so I filed a dispute through USAAs application. They issued me a provisional credit while they researched the claim. On XX/XX/2019, I was informed via email that the investigation was complete and it was found that the fraudulent activity did not occur. The " evidence '' they provided to me was 5 pages and included the following : 1 ) Acquirer Allocation Pre-Arbitration Questionnaire 2 ) Merchant Response 3 ) Vivid Seats Cancellation Policy 4 ) ACM Purchase Details 5 ) Proof of Delivery The proof of delivery sent the product I didn't purchase to an email address other than my own. And the vivid seats cancellation policy, under place order, has it being submitted for {$1600.00}. Luckily it didn't go through for that amount and only went through for {$180.00}. The compelling evidence they found was that the CVV was used in the purchase which according to them " ... indicates that the card used to make this transaction was fully authorized, and the further attached evidence indicates the methods in which the purchase was delivered to the cardholder. '' After recieving this information I reached out to USAA to get a phone number to speak to someone in the fraud department. The first person I was able to get in contact with agreed with me that this was a fraudulent transaction after looking at the evidence and transferred my call to a colleague. After waiting on hold for XXXX minutes I figured the department was closed and ended the call. I called back to USAA again and got in touch with someone who said they were in the fraud department and informed me that I could contest this claim and again cited the delivery email address not being mine and and the attempted {$1600.00} charge as unusual. After getting off the phone with this representative I was convinced someone had taken this invasion seriously but I was wrong. Today, XX/XX/2019, the provisional credit issued to me has been reversed and my account overdrawn. I again reached out to USAA and was informed that the they " are not able to have this case reopened '' which means I was lied to by the two previous representatives who assisted me. 

I work in the financial industry and through this experience I have lost faith in our ability to protect consumers information and the banks themselves.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a customer of Citibank since the XXXX 's. I had 3 Citicards for which I paid at least the amount required each month. 
In XX/XX/XXXX, I fell in my grandsons school playground and almost XXXX XXXX XXXX XXXX. 
I was not able to pay all bills involved. I paid the Advantage Card in XX/XX/XXXX, but not XX/XX/XXXX. I paid less on the Cash and XXXX cards in XXXX and XX/XX/XXXX. 
After Citi Cards Collection phone calls to my home, I went to my Branch on XXXX XX/XX/XXXX where I had a long conversation by phone with a representative from Citicards to save the Advantage Card, and to trash the Cash and XXXX Cards. 
I asked the representative to mail letters of our conversation. They were received in time to make the First payments : {$300.00} on XX/XX/XXXX done by Citi teller ( attached ) and the others Cash {$270.00} and XXXX {$160.00} on XX/XX/XXXX. All these payments to be for 5 months. 

Now that the second payment is due on XX/XX/XXXX, they invade my account website and change the terms.

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