vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XXXX I tried to use my debit card which was declined. I contacted the bank to find out what the issue was and was told my account was frozen due to an XXXX loan and that I needed to speak with security on Monday. I contacted the security department this morning only yo be told that they received a call from a federal agency to freeze the account. The agent also stated that they can not due anything until they receive a subpoena. She also stated that she could not provide me with an additional information and that there was no time frame as to how long it would take for my funds to be released. She verified that my business was legimate and registered with the Secretary of State.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Second Complaint - The deferment has not been placed on my account as promised on XX/XX/2020. I made all of the payments as promised. I called Fay Servicing on XX/XX/2020 to find out a late fee was placed on my account. I spoke to XXXX XXXX and asked to speak to XXXX XXXX, VP and to no avail. The need for a full investigation is needed in order to make sure Fay Servicing is following the law is needed in order to protect Consumers doing this Pandemic. I do not want my credit affected by the negligence efforts by Fay Servicing. I'm demanding late fees and late payments be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2020 my credit card was billed for the third time, for one purchase. With XXXX in the amount of {$46.00} on XX/XX/2020. 

I am a XXXX American veteran and am having a great deal of trouble over being charged three times for one purchase on XX/XX/XXXX. Please be so kind to help me. 

JP Morgan Chase bank just charged me for a 3rd time on XX/XX/XXXX. It is even dated XX/XX/XXXX On XX/XX/XXXX there was two charges in this amount. Now, on the XX/XX/XXXX JP Morgan Chase bank has charged me for a third time, for the amount of {$46.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
XX/XX/XXXX car was disable when payment was made in full XXXX XXXX XXXX car payment was made in full payment XXXX ( i was told by an agent that there customers service billing was not updated so they couldn't see that i had made a payment ) my car stay disable all my job that's over an hour away for two extra days after the holiday. 
XX/XX/XXXX car payment made in full XXXX ( i was told that they phone billing system was down once again and they couldn't see that my payment was made in full due to they system being down ). 
XX/XX/XXXX payment was made in full online XXXX ( i was told by an agent they couldn't view my payment was made online due to they system not being updated ). 
XXXX XXXX car payment was made in full online for XXXX ( i call tried to speak with supervisor agent gave me the run around from XX/XX/XXXX, to XX/XX/XXXX trying to see why was my car disable when my car payment was made in full on XXXX XXXX. Waited on the phone for over an hour to speak with supervisor i asked agent for corporate number and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2020 I noticed a collection account in the name of Resurgent Capital Services LP. I went to their website to find out the total amount and any offers to pay down the amount to settle the debt. The website indicated the amount owed was {$2500.00}. Their website indicating offer for {$1200.00} this debt will be settled. So, on XX/XX/2020 at XXXX XXXX I made a payment to resurgent capital services L. P. For the amount of {$1200.00} in hopes that the debt would be settled. On Monday XX/XX/XXXX at approximately XXXX XXXX I went to their website an indicated that the full amount was still owed and at that offer that was originally promised to me was no longer there. I had made several attempts to contact the company and there was no answer via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
XX/XX/20 - Sent {$2200.00} plus finance charge of {$88.00} via Walmart 's moneygram. 
Followed procedures online Received an email XX/XX/20 @ XXXX XXXX   ET stating the transfer was sent successfully and that the receiver can collect $ at the expected designation ... .was given a reference # for the receiver. 

Contacted receiver who was in Maryland that she could proceed with trip to XXXX, PA the next morning and find a Walmart in XXXX, PA to pick up {$2200.00}. 

Receiver arrived at Walmart early XXXX. and was told that the transaction was on hold. 

I contacted Moneygram per the Walmart Associate and Moneygram quizzed me on why I was transferring my money, to whom it was going and for what purpose. I explained a friend was transporting a new puppy from a Breeder in XXXX, AL and delivering cash. I found the puppy the day before and realized friend could pickup soon and delivery to me in Georgia on XXXX. Sent $ for puppy and to cover friend 's travel expenses. Moneygram quizzed me on how long I've known my friend. 

Moneygram decides to cancel transaction and refund my money, but it would take another 3 to 10 business days. So, my friend had to take money out of her account and I had to reimburse her by taking more money out of my account on XXXX. 

Walmart/Moneygram - stated this transaction was received and $ available. They caused undue stress ( and during COVID!!!!! ) and falsely led us to believe that all was handled. 

I hope this does not happen to any others!!!! I feel my rights were violated and their advertising was false. Why didn't they ask these questions upfront before taking and holding my money? I still do not have the funds released. Our bank, XXXX XXXX, is aware and we are waiting to claim fraud if they money does not come through along with the finance charge. 

Please help! 

Thank you!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XXXX can no longer be linked to my account, I have money that needs to be transferred over and can not pay anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: IL

Complaint narrative:
I opened a new checking and savings account with Citibank NA with a promotion saying I'd get XXXX $ for depositing {$15000.00} and an additional {$100.00} for direct deposit activity. I also received a notice saying if I performed a certain number of bill pay and and debit card transactions I would receive XXXX XXXX XXXX miles. 

I opened and funded the account on XX/XX/XXXX. On XX/XX/XXXX I received an email confirming I had the XXXX miles promotion attached to my account and told me what debit card and bill pay activities to complete. Then, on XX/XX/XXXX I received confirmation that the {$500.00} promotion was on my account and gave me instructions on seperate activities to complete to get the {$500.00}. On XX/XX/XXXX, I went into the bank to ensure I had performed the correct activities and the teller confirmed my balance and said I would qualify. 

As a result I left over {$15000.00} in a new Citi checking account. On XX/XX/XXXX, I was told I had both promotions correctly on my account and met criteria but would need to wait for the miles and dollars to be credited. I then confirmed this again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to follow up so many times because each time I was told I'd receive the XXXX $ bonus a different date. I finally escalated the issue and was told on XX/XX/XXXX a case would be opened, I was told that case was resolved in my favor and I would be credited {$500.00}. I kept over XXXX dollars in my account this whole time to be sure. 

Then XX/XX/XXXX - I was sent a letter with no explanation saying I would no longer receive the {$500.00} after I repeatedly left funds in the account because Citi confirmed I would receive the bonus. They lied about a promotion to gather deposits to support their bank at customers expense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am reading my payment statement and it looks like I am making bi-weekly payments, but the first payment is held somewhere and it is not being applied to the mortgage payment until the second payment is collected. If i am reading my statement correctly, Payment 1 is taken from my savings/checking account and held somewhere ( that i do not have access to ). No interest is paid on that money, but interest continues to accrue on the mortgage. Then 2 weeks later, payment 2 is made, and then - and only then- both payments are applied to the mortgage. 
This is an insane arrangement that no one in their right mind would think is OK. the money from the first payment is out of my control, presumably put in another account, and not applied to the mortgage? I receive no benefit, but do receive the downsides of not paying the mortgage, continuing to accumulate interest on the mortgage, not getting interest on the money in my account, and running the risk of overdraft fees. 
I have also made supplemental payments that are marked for 'interest only. ' Are these payments also held in this account that i have no idea about until the end of the month, or are they properly applied to the mortgage when I make them?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent full documentation to every credit buearu in regards to incorrect collection incorrect credit card balances an paid collections that were to be removed per agreement on XX/XX/XXXX. The disputes were started an i was found to be correct yet NONE of the changes have been made or updated holding my credit score down so low I cant get approved for a home morgage even though i have a 3.5 % down payment. I am beyond angry I have called everyone an i am fed up with this wrong an illegal acts i want my report corrected now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent full documentation to every credit buearu in regards to incorrect collection incorrect credit card balances an paid collections that were to be removed per agreement on XX/XX/XXXX. The disputes were started an i was found to be correct yet NONE of the changes have been made or updated holding my credit score down so low I cant get approved for a home morgage even though i have a 3.5 % down payment. I am beyond angry I have called everyone an i am fed up with this wrong an illegal acts i want my report corrected now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: SC

Complaint narrative:
The debt accounts on my XXXX accounts shouldve been removed. These accounts were fraudulent and I disputed them on multiple occasions with all credit agencies. They were removed from the others but not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
I was refinancing my mortgage with East West Bank, to XXXX XXXX. East West Bank was non responsive to give me a pay-off demand notice. They cost me a lot of money each day holding up the process. When they eventually responded after I sent an annoying amount of emails and went into a branch, they ended up charging me {$180.00} in fees and subtracting it from the escrow account they owed me. They never disclosed these fees or notified me as to what they were for. I sent them an email and they never replied. They have been a nightmare to deal with. They do not service their loans appropriately. They ignore requests and have no sense of customer service. I believe i am entitled to a {$180.00} refund from them and they will not support why they charged this or reply to anything I send. When I call, they said I have to wait for an email reply, but its been over 13 business days that I have waited and that is unacceptable amount of time to wait for them to address {$180.00} dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
For the third and now fourth times, TCF has charged overdraft fees to an account with a positive balance. In total this round I was charged {$250.00} in overdraft fees, all while my account was a positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
My car was totaled I had a XXXX XXXX and the finance company did a charge off at XXXX XXXX auto paid them XXXX they however said it was not settled and took the check and is reporting on my XXXX   credit report that it was charged off in XXXX at XXXX they are not trying to update the balance which is XXXX they are reporting inaccurate info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am XXXX year old struggling to make a living during this pandemic period. My sole current income is Social Security {$450.00} I do not even qualify to file an income tax return. I have no idea as to why Bank of America is running after me to collect a wrongful credit card Judgement for {$19000.00} Bank of America - Plaintiff vs XXXX XXXX Pro Se - Defendant. Attorney for Plaintiff XXXX XXXX from the Law Firm XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - NY XXXX. Bank of America won credit card debt Judgement {$19000.00} on XX/XX/XXXX - XXXX in the Supreme Court of the State of New York - XXXX County Index no. XXXX XXXX Defendant filed Stay of Motion Pro Se on XX/XX/XXXX - XXXX for following reasons : 1 )  Defendant was denied the opportunity to retain legal counsel. 2 ) Plaintiff was awarded Judgement even though they failed to validate the credit card debt. Plaintiff failed to produce the credit card agreement dated XX/XX/XXXX - XXXX. Plaintiff attorney told XXXX XXXX XXXX XXXX in a Court hearing on XX/XX/XXXX - XXXX that the said credit card agreement was not available. 3 ) Plaintiff handed the Court as exhibit 3 incomplete documents of said credit card debt thereby making it impossible to validate the claim of {$19000.00} In fact credit card statements of several months and periods were missing and was not included in exhibit 3 that was presented as evidence to the Court. 4 ) Defendant has no knowledge of the credit card purchases and Plaintiff did not present the Court evidence that Defendant paid for the credit card purchases. 5 ) Defendant was railroaded because case was handled Pro XXXX. XXXX XXXX XXXX us assume XXXX has a case. This credit card dates from XX/XX/XXXX - XXXX up to XX/XX/XXXX. A period of 15 years. Plaintiff has in fact come out whole by charging very high interest rates and 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 explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to link my bank account to XXXX and it says that pnc is blocking this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Homedepot debits my account monthly for {$28.00} at least since XX/XX/2020 when I noticed it and have done it on two previous occasions before. I have stopped this twice and they have no authorization to do this. I have messaged them about this twice telling them they had no authorization to do it and included my telephone number in every message to discuss this if needed with no contact.These messages were sent on XX/XX/2020 and XX/XX/2020. At this point I have stopped payment at my bank. Last message I informed if they did it again I would stop payments all together. Still no contact and they did it again. I can't understand how they get away with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
On XXXX, it says that my debt was deleted by PDQ services in XXXX georgia on XX/XX/2020. I called PDQ services on XX/XX/2020 to receive a letter stating that the information was deleted but PDQ Services claim they have no information of me in their system. I recently applied to an apartment complex and the complex denied me stating that there is a collections on my report called PDQ services. I called PDQ again on XX/XX/2020 and I was still informed that there is no record of me in the system.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation