vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Automatic Data Processing, Inc.
State: IN

Complaint narrative:
On XX/XX/2019, {$180.00} was transferred from my " Wisely by ADP '' paycard into an unknown bank account. I have spent weeks calling ADP 's fraud department and being told that a letter is supposed to show up in 7-10 business days each time it was sent out. I am now 11 days into my third " 7-10 business day window and haven't received the letter saying what happened to my money. Everytime I ask to speak to a supervisor they put me on hold for 10 minutes and then tell me they are busy and will call back within 24 hours but never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I was told at the end of last week by the loan officer at Arvest Bank & Central Mortgage Company that he could obtain pricing of XXXX % with a XXXX % lender credit ( rebate point ) if I completed my application. I completed my application on XXXX of this week but he was only able to pull XXXX  and XXXX   credit scores because I had credit freeze on XXXX. He was able to pull XXXX XXXX XXXX yesterday when the pricing had not changed. He was asking some questions about the loan balance, but, since I had completed my application I thought I was locked. He told me this morning that he did not lock my loan and that the rate and points now had gone up and instead of paying me a XXXX % lender credit ( {$450.00} payable to me ) he now was charging me XXXX % ( I have to pay {$900.00} ) .I am now out {$1300.00} and he never once told me that even though I had completed the application and he had been able to pull all of my credit scores that my rate was not locked. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have retirement plan accounts through XXXX University at TIAA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). At the end of XXXX, I decided to diversify my investments and chose an automatic option on the TIAA website that re-distributed my money. However, in mid-XXXX because of a change in market conditions, I decided to make my investments more conservative and requested that all my money be put into two bond funds. I then noticed that the money in an account called TIAA Traditional did not transfer. After I complained about this, a customer resolution manager, XXXX XXXX, informed me that because of one mistaken checkmark, they considered that I had effectively signed a long-term 10 year contract to keep my money in this TIAA Traditional account. They say there are no options for removing it to other investments. 

TIAA combines the following elements into a classic gotcha scheme : 1. Design a system that automatically directs customers to invest in TIAA Traditional. Mix it in with other investments that are standard funds which require no contracts. 

2. Trick the customer into clicking on a checkmark and claim that this constitutes a duly signed contract, although they do not have a signature and there is no actual, separate contract. 

XXXX. Hold the customer 's money hostage for 10 years by pretending that the customer has no rights outside of the supposed contract. This particular investment overcharges on fees and pays a poor return. 

TIAA will not : 1. Supply a copy of the contract they claim I digitally signed.

2. Tell me the penalties which apply to breaking this contract.

This is abusive and predatory behavior. I am near retirement age and my son is special needs. They will cripple us with this crazy situation. I have approximately {$53000.00} in the TIAA Traditional account.

There is a class action lawsuit that was filed against XXXX in XX/XX/2015 by XXXX XXXX XXXX because of this behavior, but I do not know the status of this. Here is the link : XXXX XXXX XXXX  Please help me! 

XXXX XXXX XXXX XXXX University

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
AS I HAVE PREVIOUSLY REQUESTED TALBOTT ADAM PROVIDE ME WITH A COMPLETE DETAIL OF ITEMS I PURCHASE REGARDING THIS DEBT I AM BE ACCUSED OF. I NEED A DOCUMENT WITH MY SIGNATURE STATING I OWE THIS MONEY TO TALBOTT IN THE AMOUNT OF {$450.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Agent from the company ( Barclaycard US ) provided incorrect information and improperly set up automatic draft payments which lead to late payment balance even though payment where completed as agreed. 
Company reported late payment to credit bureaus, recognizes that the agent made a mistake in the arrangement, however refuses correct negative reports to credit bureaus.

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 2019-09-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Agreed to a settlement that was applied to XXXX XXXX Bank XXXX account XXXX in XX/XX/2017. I was told that account would be reflect paid in full and within 30 days it would be deleted from my credit reports. I have contacted company several times and no one will assist. I am told that no record exists.

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 2019-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Beginning in XXXX of XXXX, the mortgage I had with XXXX  XXXX XXXX was sold to a third party and maintained by M & T Bank. By XX/XX/XXXX, I began receiving calls from M & T Bank stating the mortgage account was past due. I explained to each representative which called, the account was not past due as all payments had been made. In XX/XX/XXXX, M & T Bank began refusing payments, stating the amount had changed ; which I had not been informed of. Then in XX/XX/XXXX, I received notice M & T Bank had begun foreclosure proceedings. At this time I began attempting to resolve the issue, with zero efficiency as no lawyer would consider taking the case. In XX/XX/XXXX, I attended the hearing as a last effort to stop the foreclosure proceedings, but was told by the judge the foreclosure was confirmed and the bank had only need to have the XXXX XXXX schedule and conclude a sale of the property. This occurred in XXXX of XXXX. During the course of the proceedings, I continued to get the information I needed from XXXX  XXXX XXXX proving what I had informed M & T about from XXXX. In XX/XX/XXXX, I received a letter from XXXX  XXXX XXXX stating they had made an error during the sale of the mortgage.

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 2019-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank reported my credit report a 60 days delinquent and they have refused to correct the information being reported on my credit, I have started a dispute with the 3 credit bureau wich XXXX is the only one that was able to correct the information as per the documentation I provided, the other 2 Bureau still pending since Synchrony bank refused to correct the information. 
Attached is the proof where it shows that a check ( check attached ) from a XXXX XXXX account was mailed to Synchrony bank on XX/XX/2019 with my synchrony bank account in the memo line, and a letter printed on XXXX ( letter attached ) from Synchrony bank was mailed to me stating the payment I sent on XX/XX/2019 was unable to post my account because they were having difficulty identifying my account, even though my account number was written on the check ( check attached ). 
After I received that letter a second payment attempt was made to make a payment and as far I was concerned the payment posted my account and received a refund check back for overpayment ( check attached ) about 30 days letter I received a letter printed XX/XX/2019 ( attached ) stating they were unable to post the payment again because they were unable to find the bank information. I attached the information of the XXXX XXXX with the bank information to verify that the check had funds available to be cash. Synchrony bank is reporting delinquency on my credit report and that information is incorrect since I have attached proof showing otherwise.This situation is affecting my life financially since it has had a big negative impact on my credit score and at this point im unable to refinance my XXXX  XXXX for a lower rate due to Synchrony Bank wrongly reported my account 60 days late and they still refusing to help in any way. 
Thank You Very XXXX, 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 non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2019 there was a transfer done from my XXXX XXXX XXXX mobile app, which actually uses Zelle to send the money. The money was not authorized to be transferred as it was done without my consent, however, with it being one of my recipients I thought I could simply ask for my money back. The recipient did not receive the money either. When I contacted XXXX XXXX XXXX XX/XX/19 they basically told me they were not responsible for Zelle and they could not do anything to help me. I proceeded to tell them I did not authorize the transfer and they allowed me to file a claim, but I received three separate letters stating that my claim was denied because it was done from a device that is consistent with previous valid account activity. The letters were dated, XX/XX/2019, XX/XX/2019 and XX/XX/2019. The letter dated XX/XX/2019 stated they were doing further research and it would take 45 calendar days to complete the research. The time has passed and I still have not heard back. I still don't know who received the {$2500.00} that was transferred from my business checking account on XX/XX/19. The only thing XXXX XXXX XXXX could tell me was that the money was sent through Zelle to a XXXX XXXX Bank account. I was not given any other information. On XX/XX/19 I tried to requesting {$2500.00} from the phone number that was used to send the money to originally and oddly, I received a notification stating that the phone number was not registered with Zelle. After researching online I found that Zelle should not have been able to take money out of my account if the recipient did not set up account with them. As of today, I still don't have my money and I don't know who does. Zelle refuses to get back to me and even the branch manager at my local XXXX XXXX XXXX is frustrated with me and no longer can help me she says. I don't know what else to do, but I need my money back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Collector states they have to contact me about a non existant court appearance. Say the are collecting for HSBC card services. Debt was already paid to another creditor in XXXX. Even after talking to them they are harassing family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I owe a loan i took out from company Oportun in XXXX california. i owe about XXXX i have fallen behind since i had a baby and then was on XXXX and quit my job found a new one but i couldnt catch up to continue making payments and they have called me non stop and are now calling references telling them about my debt information which i called today and asked them to stop but since i have also told them to stop calling me that freedom debt relief would contact them they will probably continue discussing my business with my references i put for me to take out my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My very elderly mother took out a HealthiPlan credit payment plan administered by Comenity Capital Bank on XX/XX/2019 to finance her XXXX  XXXX with the express understanding from the manufacturing company that I would be able to administer the account as her only immediate family and power of attorney. My mother is XXXX years old. When I attempted to contact Comenity on XX/XX/2019 to discuss the current balance due, they refused to discuss my mother 's account with me unless I sent them a copy of her Power of Attorney document designating me as such. As she is XXXX and XXXX  XXXX, and I live in another state, that was not practical. I explained this to them. The customer service representative and her supervisor were both very abusive, rude and unhelpful. When I called again on XX/XX/2019, they changed their story and now said if my elderly mother called them and gave verbal authority to make me an authorize speaker for her, they would discuss her now overdue amount and the late fee they had charged, which I wished to contest. Despite it being very exhausting and distressing for my mother to try to work her way through their automated system and make the very specific request that they demanded of her, she did exactly that. I called the company again today ( XX/XX/XXXX ) to try to discuss the bill and removal of late fees as they had made no effort to contact me directly in the last 5 months, yet they still refused to discuss the account with me and said I was not authorized to discuss late fees with them. Again the customer service representative was very rude and curt and unwilling to provide me with any advice or further help. I feel that they have been misrepresenting themselves throughout the entire process and giving me and my very elderly mother different hoops to jump through, at the end of which they still refused to discuss the one thing I told them I wanted to discuss back on XX/XX/XXXX. On every occasion that I contacted them, I said that I was happy and eager to get my mother 's account up-to-date as soon as they removed the late fees, which I feel were unfair given their refusal to work things out with me in a timely manner. Throughout these 4 months they have never once tried to contact me directly, but continue to make collection calls and send collection notices to my poor mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
Opening another coplaint based on previous Complaint Via complaint number XXXX the companys responce is incorrect and insufficent simply stating they comply woth ecoa Equal credit Oppritunity act is inssuficent and stating the minimal need to Qualify for the loan is XXXX Is Not Equal Credit oppritunity act Appropriate Policy to have in place including Being denied because on XXXX but the pourpose is to ensure creditors make and approve Things based on equality and it is not equal for people To have XXXX In Yearly income and Cpuld be deemed income discrimimination And Ontop of the equal Credit oppritunity act There are also state laws regarding such things And ive also Contacted the pa attorney generals Office Witch is being asigned to a investigator Pending investigator Findings Discover Could Face state or federal Civil charges in court. And or Be XXXX ordered to reverse descion and may have to pay Damages and costs and court ordered Monetary Fines and Cost to victim or plantiff and discover may want to reconsider there policy in this situation and if they wish to reach put to Me To Settle this i emploer Them to before the attorney generals office investigates and concludes there finding In the Consumer protection Office powered by Federal And Pennsylvania State powers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for a home to lease for my wife and XXXX year old XXXX XXXX. We now have to live in a hotel since XXXX, XXXX On XX/XX/XXXX the management, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, informed me that according to my credit report I was being sued by XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Lanlord at my residence in XXXX , XXXX  . I was on a month to month verbal lease after leasing from him for 5 years we had decided to move to XXXX that is why we did not renew lease and went on month to month. After informing XXXX XXXX and asking for our deposit since he never sent us a termination letter. His verbal agreement stipulated that we should pay {$850.00}. or move. Since my job started in XXXX. XXXX, we went ahead and moved we believed we had duly complied with his request, Consequently we can not lease a home or apartment in XXXX, XXXX befitting for my XXXX   XXXX. I am complaining about Landlord XXXX XXXX not contacting me about his intentions which is so frustrating and killing our livelihood by reporting to all three credit bureaus inaccurate information. Currently we reside in a hotel for the last two month and are having a hard time making ends meet. My family and I would appreciate a reaging since the information he has reported on credit file is inaccurate, unverifiable and was not disclosed in his oral agreement.

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 2019-09-05 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: FL

Complaint narrative:
This is what happened when I wrote XXXX  in XX/XX/XXXX Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX  XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in XXXX. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX but XXXX and Equifax are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please. 

Now, it is XX/XX/XXXX and XXXX have not done anything to resolve my issues that are fraudulent and I can not even access the online form on their site to dispute my issues. This is so frustrating and unfair and unjust from this company that I dont understand how the government allowed for this type of practices to take place. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran  that is trying to purchase my first home for my family and this company is keep on reporting fake account and inquiries that I never did, that I never allowed. 

If I miss out on closing on my property I will sue this company and I need your help because it is completely unjust. I call everyday to talk to a representative and they keep on transferring me and then they say the department that is handling your case the office is now closed. I NEED HELP PLEASE CFPB, YOU HAVE TO HELP

Company response to consumer: Closed with non-monetary relief