vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I placed credit freezes with all the bureaus, as a protection in the wake of the XXXX breach. I was able to place free freezes with the other bureaus, but Transunion made me input a credit card number and then charged me {$3.00}. I later looked up their fee chart ( https : //www.transunion.comXXXXXXXX ) and saw it should have been free, since I live in New York . The address they have on file plus my credit card billing address are for my current New York address.
I spent about a half hour on the phone until someone told me that I was charged the rate for a Georgia resident. I have not lived in Georgia since XX/XX/XXXX. I have no idea why I 'm responsible for paying for their incorrect information, which I never consented to them having in the first place. No one on the phone had any idea how to refund me. They just bounced me to other clueless reps.
In the course of the calls, I was told to call another number, which I did, and it sounded remarkably like a scam. The rep 's first question was for my full social security number, which I refused to give him and hung up.
I understand the {$3.00} I was billed is a tremendously insignificant sum in the grand scheme of Transunion 's decades of unethical XXXX, but it 's still unjust and I want to do anything in my power to never give these extortionists any of my money. So I 'd like the {$3.00} they stole from me on the justification of their own incompetence back.
Thanks for any help.

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 2017-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Citi Bank credit card for which I paid the balance in full. Under the terms of the credit card agreement, as well as the standard for most other credit cards, when the balance is paid in full, no interest is charged. Instead, I received a bill charging only interest, no purchases. The charge was for interest in the amount of {$38.00}, which seems excessive especially in light of the fact that the balance was XXXX. I chatted online with a representative who said he could n't help me, but would have a manager call me back within XXXX hours. No one called. The problem was still unresolved. So, I chatted again online the next day with another representative who was unwilling to help, but promised he would have a manager call. This was about 4 days ago, and still no one has called me back, and the charge is still on my account. I completely dispute this charge and do not want to be forced to pay an improper charge with the threat that my credit is going to be detrimentally affected.

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 2017-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
I opened an account with USAA in XXXX XXXX, and later closed it because I was XXXX while on XXXX XXXX with XXXX XXXX. I recently re-opened an account with USAA on the XXXX of XXXX, XXXX. On the XXXX of XXXX, of the same year, I was debited {$25.00}, and later on the XXXX of the XXXX {$140.00} and {$190.00} were debited. I called USAA to inquire why I was being debited and to request the evidence. USAA told me that they did not know, because since 7 years the database automatically erased my previous information. I told them they need to show me evidence of the reasons why they are debiting me, from the recently opened checking account and they said they do not have anything in the system. Nevertheless, they still debited {$360.00} from my account without a valid reason!!! I can not believe this, is this the way a veteran of 20 years of service ought to be treated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-12 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient added remarks to my student loan.I was forced into forbearance by navient again.I am scheduled to resume making monthly payments of {$170.00} a month.Starting in XXXX 2017.Navient continues to add balance increased on my credit report, but I am in forbearance.Navient is not allowed to make add any remarks to my credit during this time.They did not ask me to add these remarks.This company is horrible and they all should be arrested for fraudulently credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: FL

Complaint narrative:
Equifax was hacked and this resulted in the disclosure of credit information including social security information for millions of persons including myself. At a minimum, the CEO, CFO and IT security people need to be FIRED, FINED heavily, and JAILED for gross incompetence. In addition, the company should be liable for any and all financial losses for all individuals whose information was stolen, and used illegally for any purpose. There is NO excuse for this at all. The databases where this information is kept must be so secure that no one individual has access to open and download the files by hacking. The personal data needs to be strongly encrypted at the source and it should require at least two valid VP level usernames and strong passwords for each to access the database files. These databases need to be virtually unbreakable. After a small number of unsuccessful attempts to open/hack the database, the system should lock out the attempted hackers so they can not open the database even with the valid userID and password.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a new American Express platinum card with XXXX in XX/XX/XXXX. It was advertised ( and still advertising ) that if you spent {$5000.00} within the first 3 months youll get a 60,000 bonus points. I met the requirements within the first 3 months and I was expecting my 60k bonus points by the end of XX/XX/XXXX. XX/XX/XXXXpassed and I did not see the bonus points. I called Amex and they said it will come in XX/XX/XXXX. XX/XX/XXXX passed and I still did not receive the bonus points. I called them in XX/XX/XXXX and they said that Ill see the bonus points in my account by the time my statement closes on the XX/XX/XXXX. My statement closes on the XX/XX/XXXX and still no bonus point. I started calling them almost every week of XX/XX/XXXX and the first week they told me it will be done manually from the corporate office, the following week I called to follow up and another person told me that they already opened a case with the case number XXXX. The following week I was told that the case was in my favor that Ill get the 60k bonus points by the end of XX/XX/XXXX. A week to the end of XX/XX/XXXXI called and they told me that it did not specify a particular date but it just said XX/XX/XXXX.
I didnt get anything in XX/XX/XXXX, so I was hoping that by the time my statement closes by XX/XX/XXXX Ill see the bonus points. This was what the person I spoke to told me. I spoke to her on the first week of this month XX/XX/XXXX ( just few days before the statement closes ). She said thats the deadline ( 6-8 weeks ) after they investigated and the points was in my favor.
Now 6-8 weeks has passed. Its been 4 months since I qualified for the 60,000 bonus points but XXXX has refused to award me the points.
They charged the {$550.00} membership fee on the first month, but they dont want to honor their words as part of the card agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 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: KS

Complaint narrative:
TransUnion was notified several times by XXXX XXXX that all delinquent payments are to be removed and I have a letter from them affirming such. Despite the fact that all other credit bureaus have updated their file, TransUnion continue 's to report the delinquency despite being notified with the attached letter.

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 2017-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I keep having this collection come up on my report - I have disputed this many times from many different creditors and this same debt keeps coming back onto my account without notice. When I try to dispute this in written form ( 3 times ) I do not receive anything in return - just pop back up from a different creditor. I do not own this debt and I need it off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Received debt notice for account that was last posted on credit report XXXX 2013 with XXXX balance.i believe at the time account was reported I specified I did n't know who XXXX XXXX was or what account was for. It has been off credit report for a few years now.dynamic recovery solutions is showing a balance of XXXX

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 2017-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On on around XX/XX/XXXX, I sold a {$100.00} XXXX gift card on XXXX. I used a company called PayPal to receive payment for this purchase. Once the item was sold, I received the Payment through PayPal and was notified that I had the green light to ship the item. As it is commonplace in the XXXX market place regarding sales of gift cards, I was asked to email the Gift card to the buyer of the auction which I did. Approximately on or around XXXX XXXX XXXX, I received an email from PayPal stating that the purchaser that used PayPal to pay for the gift card had fraud on their PayPal account and the purchase was being debited out of my account. PayPal also said they are levying a {$20.00} chargeback fee on my account. I relied in good faith on Paypal 's instructions to send an item that I sold in good faith. When I sell items on XXXX using PayPal, there is a seller protection display that is advertised prominently all over the website. I, being a valued customer of XXXX and PayPal for almost 20 years, counted on this protection. Instead of protecting me however, PayPal has referred to an obscure technicality that says non-tangible goods are not protected by their seller guarantee. If I just mailed the card through the mail, I would be protected, but as I emailed the card, I 'm somehow disqualified from this protection. This is a truly non-customer friendly situation that PayPal needs to own. The true issue is that I 'm being punished for their mistake of allowing a fraudulent transaction to go through creating this mess in the first place.
MY PAYPAL ACCOUNT XXXX Here are case details : Case ID : XXXX Buyer 's name : XXXX XXXX  Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$120.00} USD Disputed amount : {$120.00} USD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX I paid the balance of my Citi Diamond Preferred card in full. The payment was made through the Citi online portal. The representation was that my balance had been paid in full indicated by choosing the " Pay your entire balance '' & " {$0.00} owed ''. As well, my balance available for purchase after my payment was the full amount of my credit line. I have not used my card since paying the balance in full. 
On XX/XX/XXXX Citi Card charged additional interest fees, presumably the finance charge from the previous month. On, XX/XX/XXXX Citi notified me that I was delinquent on my payment. Upon contacting Citi I was informed that 2 late fees were assessed on top of the interest charge from XXXX. I spent over 1 hour being transferred back and forth between departments who could not explain the charges to me plainly. I was told that Citi could not tell me how the entire balance represented on the account had been calculated and that they would not be able to remove any of the late fees. We settled on a nominal balance that represented double the interest charged originally. I still did not receive a clear explanation of what this amount consisted of.
I understand that I am responsible for paying the interest for purchases that I made however, I feel that I have been unfairly charged late fees, as well as unknowingly causing potential harm to my credit to benefit the bottom line of a muti-billion dollar bank.
The process of paying a nominal ( under {$20.00} ) interest fee was exhausting and in my opinion completely unnecessary. I feel that Citi purposefully designs their customer service lines of communication to deliberately frustrate and confuse their customers so they will relent and pay erroneous and exorbitant charges.

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 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with Experian XXXX and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.

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 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing just bought my mortgage from XXXX XXXX  XXXX XXXX. A person from the firm called me this morning and told me to gather my loan documents - she needed information from me. She asked me the location of my home, the last four of  my social security number without identifying the institution she was representing. I asked her who she was and what firm she was representing. She told me I had to call her back this evening, that she worked at Select Portfolio Servcing. 

I was notified by XXXX XXXX XXXX XXXX that they had sold my loan ; I have never been late on my mortgage payment. I took my mortgage out in XX/XX/XXXX. 

I called this evening and was told that this firm is a " debt collection agency ''. I do n't understand why my 30 year fixed rate mortgage that has never been late is in a " debt collection agency ''. 

The threatening nature of the call, the insistence that I give my personally identifiable information to an individual I do n't know frightens me. 

Is XXXX XXXX XXXX a " debt collection agency ''? I understand they " own '' my loan but what 's with the threatening behavior? They 've recieved my mortgage payment this month because when XXXX sent me the notice they 'd sold my loan, I put XXXX XXXX in my electronic bill pay immediately and paid before the due date. 

The women that I spoke to this evening told me my mortgage " was not in collections yet ''. 

I checked on the CFPB site when XXXX notified me that they had sold my mortgage to this firm. I am single, XXXX years old and work at a non-profit. I am bearly making it but pay my bills on time. My research indicate Select Portfolio Servicing puts their customers in collection w/out cause, forces people out of their homes. 

Please help me get this firm off my back. I can pay my mortgage but feel they are trying to put me in a category where they can abuse me and take my home. 

Thank you very much CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flatonia Investments, LLC
State: WI

Complaint narrative:
We applied for a mortgage the beginning of XXXX. We received a pre-approval and began the process. We received an initial disclosure from the company that stated our cash to close would be {$8600.00}. During the process, we had a mortgage consult during which we disclosed we would be using a program for {$7500.00} in down payment assistance. We had a mortgage consultation shortly after and were told our cash to close would be around {$860.00}. Our disclosures changed several times during this process. At the end, the lender charged {$2400.00} in fees that were never disclosed prior to the final disclosure and they charged us incorrectly on the taxes. They did issue us a refund of {$600.00} for the taxes. They also locked in our interest rate on XX/XX/XXXX and charged us over {$700.00} to do so. Then on XX/XX/XXXX, AFTER our rate was locked in, they changed it and then charged us {$1100.00} to lock at the rate we currently have. I would like this reviewed to ensure that this was done correctly, as I do not trust anything that happened during this process. Our cash to close ended up being over {$4500.00}, and that is AFTER {$7500.00} in down payment assistance, due to fees never disclosed. It is a law that I receive a statement titled " Truth in Lending '' and that was never sent during this whole process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: EMG ACQUISITION GROUP, LLC
State: LA

Complaint narrative:
Money was put in to my account without permission they also was not suppose to put money in with the permission of the owner they claim that its was a loan and it was their money and they remove it because it belongs to them. And they claim that someone in the middle of the night on XX/XX/XXXX tried to obtain another loan on XX/XX/XXXX and it was rejected.They claim someone of this computer frudalancy took out a loan without the permission or consent of the owner Since we both know the account number and bank account number which can be my social security number instead of the bank account number and that 's not so! We have survallence videos of the room at night .If anyone operated the computer at night, we will know! That happens at night in this room. The video camera 's in this room stay on 24 hours a day 7 days a week 365 day a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Hello, Over the course of the last 9 months, I have received non-stop daily phone calls from Ocwen Financial Corporation regarding an amount in excess of {$500.00} that they say I owe even though my loan ( closed end second mortgage ) matured in XX/XX/XXXX and I have never in 20 years made a late payment. My loan should have a {$0.00} balance. I, as well as my daughter, have called Ocwen more than 5 times over the past 9 months to try and determine what this amount is for and the people that answer the phones have no idea. Every time we speak with them we get the same story " I 'm sorry, I do not understand why you have an outstanding balance as it looks like all of your payments have been received on time. '' " I will open a research ticket and have someone call you back with an answer as to what this amount is for. '' No one from Ocwen has EVER called me back. NO email, NO regular mail, NOTHING! So, on XX/XX/XXXX, I submitted a formal QWR ( Qualified Written Request ) via fax, regular first class mail, and through their website. Today, XX/XX/XXXX, I  received two emails from them 1 ) with a payoff quote and 2 ) with a copy of my Promissory Note - neither of which I asked for. To date, I have not received an acknowledgement letter of the QWR I sent them nor have I received an answer as to what this money they 're asking for is for. And to top it off, I am now getting threatening letters from them stating they are going to place a lien on my property and foreclose on it if I do n't pay the $ 500+ they are asking for. How can I owe anything if my loan has been paid in full??? All fees and everything have been paid. The payoff statement they sent shows that this $ 500+ is for principal. How can that be when my loan matured 4 months ago???? I am in my XXXX 's and a XXXX widow - I can not handle this kind of XXXX. Why is it so hard to tell me what this balance is for? It 's ridiculous. Please help me. They are probably reporting this to the credit bureaus and ruining my credit as well. I am begging for an answer. 
I have attached a copy of the QWR that I sent them on XX/XX/XXXX. Thank you for any help you can provide in getting an answer from them. 

Sincerely, XXXX

Company response to consumer: Closed with explanation