vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I paid for merchandise in XX/XX/2018 that was never recieceived. My credit card company originally credited my account, but in XX/XX/XXXX took that credit back. I tried to close my account but they refuse to close it, so late fees and interest continue to pile up on top of the fraudulent charge previously mentioned.

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 2018-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an Bluebird by American Express account and my direct deposit has been held since Sunday night. My deposit was supposed to post Sunday and it is now Tuesday and do not have access to the funds nor have they acknowledged a problem on their end. They send me back to my employer to verify with them that the funds where processed in which they were and everyone at work got paid except for me. Now I have to learn from other card holders that Im not the only one with they issue theres thousands of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: MS

Complaint narrative:
I have a NetSpend premier card for my payroll direct deposit. My paydyis on Monday. I have used the same card for nine months and usually get my deposit on Sunday night. On XX/XX/2018 I did not receive a direct deposit. NetSpend said it was an issue with my job not sending a deposit. I talked to my job who emailed our payroll. My payroll then sent an email to my job from NetSpend that said there was an issue with the bank and my deposit would be made no later than XXXX XXXX on Monday XX/XX/XXXX. At XXXX XXXX still no deposit I called NetSpend who tried to tell me again that my payroll never sent a deposit and when I told them my job got an email from them saying there was an issue with the bank they changed their story apologized and said XXXX had maintenance issues and it would be deposited no later than XXXX. At XXXX still nothing. NetSpend then said the deposit was for sure going to be posted before midnight. It is now XXXX XXXX Tuesday XX/XX/XXXX and still nothing. NetSpend is now saying they are working on the problem at XXXX. XXXX says they do not have an email on the deposit. And since this morning XXXX has disconnected the phone lines. XXXX says it's an issue with the federal reserve. The federal reserve says it's an issue with XXXX. I have bills due. Rent due and still no paycheck. My deposit was for {$300.00}.

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 2018-10-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I mailed the first letter to XXXX on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2018 I was supposed to receive my payroll direct deposit. My funds were sent by my payroll department on XX/XX/2018. I have contacted Bluebird by American Express and they are claiming technical issues. When I called XX/XX/2018 I was told it would be fixed and my funds would be received by midnight. Midnight came and no funds, now they are saying they have no ETA on when we will receive our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 at XXXX XXXX time my maternal cousin received a phone call from XXXX XXXX XXXX claiming that I owe so much money on a checking account from Wells Fargo and if this matter isnt resolved they are going to take legal action. I called the number they left. It rang once then music started and then a man picked up. In the conversation I had he accused me of theft of stealing goods or services. I asked him for the name of the company he represents then I looked it up using XXXX and every thing that came up under that company was linked to extortion scam. When I brought this up to him, he immediately hung 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 2018-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Apparently I had a missed payment that I did not know about until an app that tracks my finances notified me about a finance charge. I then logged into my card account to pay my bill as a finance charge means there is a late fee. Upon logging in, I see that my account has been closed. I spoke to two operators using chat and 3 operators using the call line. The told me they closed my account due to 2 missed payments over a 24 month period. Not once was I notified that this could happen, wasn't notified that 45 days in advance for major change to credit card account, and wasn't notified immediately after. I tried to resolve the situation and they told me there was nothing they could do even after being a customer for so long. I do not feel that this is right. Especially since I immediately payed once I realized the mistake. I've only ever missed one other payment the entire time that I have had the card and i got the card in XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: GA

Complaint narrative:
My direct deposit has still yet to hit my account. I have heard nothing from them about what is going to happen going forward in this situation

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 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have asked for VALIDATION not verification in regards to this account. You have only sent a bill with mine and my brother in laws names. ( Which he already took you to court and won due to you NOT having a signed contract ). I did not ask for a bill, I have asked for a signed contract which is my right under the fair credit act. If you can not provide a signed contract, you must remove this from my report. 
I also stated in my last complaint that the collection agency being used is not bonded in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I am a XXXX year old widow on a fixed income. I dont know the exact date, but I recently borrowed {$5000.00} from XXXX XXXX XXXX in XXXX Texas using my car as collateral. Without any notice, my payments doubled then someone was sent to my property without any documentation threating to repossess my vehicle. I was verbally assaulted including racial slurs. After contacting XXXX XXXX XXXX office, I was referred to this service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
on XX/XX/XXXX I was notified of water damage to my basement. I was out of town at the time. I notified XXXX the Insurance company. They Issued me a check made out to myself and US Bank Mortgage company. I was told I had to find a contractor for the work. the insurance company / adjuster could not recommend anyone. I was not told of any guidelines or conditions that had to be met by the contractor. This is the first time I've had to deal with an issue like this. I took the Check and contractors estimate to the Local US branch where the Manage called the loss draft department for steps how to process the check. He and I were told I would assign the check and he would nail it to them they would reissue a check to me. that was on XX/XX/2018. I naively expected a check the following week and had the contractor start work. a week later I get a packet requesting documents but no check. I had to pay the contractor XXXX dollars to start. I held off paying my mortgage to pay the contractor. now I'm behind I start getting threats of foreclosure in the mail. demands to start applying for loss mitigation. I hadvtas XXXX 2 weeks off work without pay and get hit with all of this so now I can only expect 25 % then another 25 % after the inspection. The loss draft department keeps delaying payment. claims they have not received documents I had faxed. coming back and requesting my signature on forms that did not ask for my signature. The contractor finished and I paid him the balance owed on XX/XX/2018. I faxed the loss draft department the receipt. I recieved a check in the mail for 25 % on XX/XX/2018 made out to me and the contractor. I called the loss draft dept. that day and aasked why they put the contractors name there when i sent them the paid in full receipt? they claim they did not get it. I took the receipts and check to the XXXX Ohio US Bank branch on XX/XX/XXXX and had the Manager, XXXX XXXX copy them put them in an overnight envelope to the loss draft department and heard him speak to XXXX XXXX in the resolutions department about all of the above.. I recieved received email notification they received it on XX/XX/XXXX. Today. XX/XX/XXXX I get a call from the loss draft department that my request to have the contractor removed from the check was denied because they show he is still owed money. so I ask what happened to the paid in full receipt? ahhh there it is. another 5 tov10 day delay. Us Bank sent their inspector on XX/XX/XXXX the work is 90 % completed. I had to submit approval to the insurance company to rreplace carpet. that is pending and all that needs done. I am broke out of pocket. They are threattending foreClosure if I dont have XX/XX/XXXXs paymdent paid by the XX/XX/XXXX. and they want to kee.g.p delay reimbursing my insurance payment.

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 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have asked for VALIDATION not verification in regards to this account. You have only sent a bill with mine and my brother in laws names. ( Which he already took you to court and won due to you NOT having a signed contract ). I did not ask for a bill, I have asked for a signed contract which is my right under the fair credit act. If you can not provide a signed contract, you must remove this from my report. 
I also stated in my last complaint that the collection agency being used is not bonded in my state.

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 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
XX/XX/18 XXXX XXXX from ARA called my daughter and told her about a debt that I owed. After she requested that he send something to validate the debt to her email. He sent a settlement contract which was only one sheet of paper and a certificate of license from Illinois. She called him again and said that's not what she requested. She asked that he validate the debt so we can settle the matter. He said she can request a validation all day but that I owe this money. He gave her my full social security number and told her that I had enough assets and would not claim bankruptcy. Finally, she told him, I just want you to validate this 11 year old debt you're claiming he allegedly owes. He said I will see you in court. I was nowhere near my daughter at the time to authorize him to give her such information, especially my full social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
About a month ago I tried to get preapproved for a loan. The loan officer said Equifax had a block on my account and for me to call them to unblock it. I called them and they said for me to send in or fax my identification to the dispute department at Equifax to unlock my account. I called about a week or so after sending AND faxing it to them and they said they haven't received it but there is no lock on my account because I do not have a file because I have no credit history/not enough credit history. I explained to them how I have had credit with my bank for four and a half years now and a car loan. Someone then told me my social is tied to a different name at Equifax. I tried re faxing my information and they still claim to have not received this information. I have been dealing with this issue for about a month now which has postponed my process of buying a home and it has been extremely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has decided to once again add fraudulent information that was originally submitted as identity theft back onto my credit report. I have to call them almost every month to get this resolved, and transunion continues to change the name of this credit account and then re add this back. 

I never opened an account with XXXX XXXX. I do not own this account, This account was opened as a Result of Identity theft. Someone stole my wallet, and then used my information to open this account. You already have an FTC Identity Theft Law enforcement affidavit on file with your Specialized Fraud team yet you still continue to re add this back onto my credit file after previously blocking this account. 

XXXX XXXX XXXX XXXX XXXX {$1000.00} Owed < - This is not my account. Originally two months ago this was XXXX, then it went to XXXX and then to now XXXX XXXX. This account is fraudulent and should be permanently blocked per FCRA Law.  Please review my Identity Theft Affidavit that you already have on file. 
XXXX XXXX XXXX CARD SERVICES XXXX, GA XXXX Additionally Transunion allowed an inquiry from XXXX XXXX on XX/XX/2018 and XX/XX/2018 this is a fraudulent inquiry that I DID NOT AUTHORIZE.

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 2018-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient XXXX XXXX XXXX XXXX, PA XXXX This student loan company gave me false information about my student loan, although I was making payments, and was diligent about annual renewals, and communication. The problems have been ongoing and Navient has withheld the truth about the loan. I discovered the extent of the dishonesty when I decided to consolidate all of my loans. 
In XX/XX/XXXX I began the process of consolidating all of my loans at the Federal Government rate of 6 %. I tried to negotiate a lower rate than the +9 % I was paying but Navient refused. 
As I began the consolidation process that would add the Navient loan to my XXXX, I was told my loan could be added and yet as I continued to talk to XXXX, I was told over and over that the loan was not a federal loan but a private one. I called Navient, and was told the opposite. They swore it was a federal loan, and someone who was a supervisor even promised to access the national data base files and ensure that my loan would be recognized as such. He even told me to call back in 3 days to ensure that all of the work was done. When I called back I was transferred a number of times, and then hung up on by the agents. 

XX/XX/XXXX " During a review of your account we discovered that accrued interest was added to your loan, for which you are not responsible. '' Money was added to my loan during the periods of forbearance, and even during the time I was making payments. 
Phone calls made during the summer of XX/XX/XXXX, show that I had to call back numerous times because I was hung up on. Further, it was revealed by one of the agents, that I was paying an unusual high interest rate, " higher than she had ever seen. '' It is revealed that my loan is a PRIVATE SMART LOAN, and that Navient knew this all along. Further, my LOAN has had NO LENDER since XX/XX/XXXX when XXXX XXXX XXXX XXXX XXXX, the lender " bailed. '' Navient did not disclose this information, nor did they discuss the fact that Navient became my lender without my knowledge. 
During XX/XX/XXXX, I called to renew my payment plan and was put off, and transferred numerous times. Because I was already making automatic payments, a larger amount was automatically deducted from my account. When I complained and had proof of my phone calls, I was told the refund of my money was delayed for some time. 
Navient wants me to enter into a forebearance, for 3 months and after that time try to extract a larger amount from me for repayment. The goal for Navient is not so students can pay off the loan, but so they will owe much more money through accrued interest, for longer periods of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: AZ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX Sallie Mae, now Navient, outsourced customer service calls to XXXX. During that time period, those customer service reps repeatedly informed me my loans were eligible for the Public Service Loan Forgiveness Program when they were not. I missed out on 3 and a half years of  participation in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex Bluebird Direct Deposit Problems - Where is my Money?! 

I haven't received my paycheck for 4 days now. After asking all my colleagues and double checking with HR that my payment went through, I called Amex with my tracing number. ( English speakers : Have fun trying to understand anything coming from their XXXX call center ) After being on hold for 30+ mins, I was told there were technical difficulties and the funds would be available in the morning. 

This same song and dance happened two times the following mornings. 

3 Days and 3 calls later .... 
I was finally able to speak with a supervisor where I voiced my frustrations around NO EMAIL being sent to customers regarding the issue and if Amex planned on paying the late fees I accrued. 

He said if they did they would notify me through email ( lol are you sure? Cuz I didn't get an email about major delay in getting my money ). He also said the issue was with a different vendor and said it would be resolved by morning ( sound familiar? ) It's now been 4 days and I still have no clue where my money is or when it will be available in my account. I'm having to extend my credit and take loans just to cover my expenses. Very upsetting. 


TL XXXX DR -Amex Bluebird -4 days w/o getting my direct deposit from work -Called each day and was told it would be fixed by morning -Still don't have my money -am upset and out of options

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I havent received my payroll deposit that should have been deposited at XXXX XXXX today Tuesday XX/XX/2018 due to another vendor of American Express which has been being dealt with since Friday morning. This is unacceptable.

Company response to consumer: Closed with explanation