vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Ive reached out to Sun-trust recently about the closure of, y account and there statement was that after an investigation into the check deposited on XX/XX/XXXX19 they would release funds. I've tried to provide them supporting documents that show that the check was valid as well as a contact number and emails from the lawyer. But they are refusing to allow such they have even refused to provide me with a way to get in touch with there arbitration Dept. I spoke with 6 representatives today XX/XX/XXXX2019 and heard several conflicting stories so while i'm here in Texas I decided to record 2 conversations ( which is legal in Texas with one parties consent ). They stated that the funds would be returned to the sender then i called back and they stated the funds would have to be requested from the Bank on the check. The accountant XXXX From the law firm was also on the phone and heard this and was baffled and spoke with the rep who stated that the funds would be return. Then she was even more baffled to know that the story changed. In the mist of this i was told my account was closed due to depositing a fraudulent check. also to add they took put a paycheck i had direct deposited in the account on hold as well. XX/XX/XXXX has stated that the check has cleared and they arent requesting the check back and Suntrust has no right to hold my funds on suspcion of Fraud. Theres nothing in the agreement i singed that says they can do such. Suntrust has the right to close the account when they see fit but they dont have to right to hold funds until they fill fit, In the agreement i signed it says that suntrust will release fund upon clossure of the account and the account is closed. ( see all attachments )

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 2019-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
We have been dealing with Rushmore Loan Management Services Manager XXXX XXXX ( direct phone  XXXX ). On XX/XX/XXXX he informed me that a letter was sent out in XXXX of XXXX with an offer of XXXX to settle a second mortgage lien that was discharged in a bankruptcy. He asked me to get proof of funds and allow him to settle for up to XXXX. I sent him proof of funds from our bank that day. After that he never got back to me and I was never allowed to talk to him. Then we received a letter dated XX/XX/XXXX stating that Rushmore was transferring our loan to XXXX XXXX XXXX as of XXXX XXXX, XXXX. We then contacted XXXX XXXX who was our new Manager at XXXX and explained that we were in the process of setting with Rushmore when they suddenly transferred the account. She informed me that if we could get a copy of the offer letter from XX/XX/XXXX that they would accept and settle for that amount, I asked her if she didn't have that in her history and she said they did not get any information from Rushmore and we needed to request that directly with Rushmore. I did this repeatedly and was told each time that it would go out in the mail that day. It never came on any of the requests. I then went back to XXXX and was informed I had a new Manager XXXX XXXX. I explained all to her and she again said they would accept the XX/XX/XXXX offer if we could get a copy. She even did a conference call with Rushmore and me stating who she was and what we needed. Again no copy went out. On XX/XX/XXXX we called and faxed a request for all correspondence and a script of all calls. They acknowledged this request and said we would receive information within 30 business days. We called them today and they said they had transferred all information to XXXX  and we would have to get it from them. XXXX if still claiming not to have gotten this information. We demand to receive this. Rushmore dragged their feet on this. If they were never going to send it they could have told us this right away. I think there is a conspiracy between Rushmore and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: AZ

Complaint narrative:
My personal information was compromised about 3 years ago due to XXXX  's negligence to insure reasonable security measures of all consumer personal information

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 2019-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I wired transfer GBP.XXXX to my friend XXXX XXXX XXXX bank account # XXXX with XXXX XXXX XXXX XXXX, 2019 thru Moneygram ( Their Ref. # XXXX ). This money should have been credited on XX/XX/XXXX or XXXX XXXX, 2019 but as of today he did Not receive any money into his account! After few days I started calling Moneygram. The Rep told me to call after 30 days. After 30 days She told me to call after 30 business days! After 30 business days the Rep told me to call after 2-3 days and that is being going on for the last 2 weeks! Yesterday ( XX/XX/, 2019 ) the Rep told me to get Bank statement from XXXX XXXX XXXX and send to Moneygram because Moneygram wanted to see his bank account was not credited! I sent Bank Statement also to them today ( XXXX XXXX, 2019 ) proving his bank account was Not Credited! 
After I made dozen of calls and after they give me false promises one after another, I had no choice but to seek your help to resolve this issue for me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX suppose to send me back my security deposit in the amount of 150 $ 30 days after I moved out of the apartment. Instead of returning my deposit they ( XXXX XXXX ) sent me the final statement by email without signature which made me believe someone is trying to commit fraud against me. 
On my response to provide me the proof of necessary activity they are going to charge me for ( Painting, Carpet replacement ) I did not receive any. 
Instead I was reported to collection agency which will affect my credit. 
I am demanding my security deposit back plus removing my file from collection plus compensation for moral damage

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 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX   or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: ME

Complaint narrative:
I began my student loan repayment journey being {$46000.00} in debt ( XXXX approx ). NAVIENT was handling the forbearance's/deferments. Every single time I called them, I was given different information ( this was prior to XXXX ) and there were many days that I called multiple times, spoke with different people and received completely different answers ( in regards to how much to pay, how long, and they honestly never really answered some questions and were very dismissive ). I lost my job and struggled to find a new one for some time but when I finally did NAVIENT informed me my payment would be well over what I took home in an entire month. They told me that if I didn't agree to the terms then I would be in default. I was so angry that I hung up. I called back again and was able to have some sort of extension until my pay was regular and I thought that I could trust them. Before I knew it, my loan had ballooned from the original amount to OVER {$120000.00}!!! There is no way that I will be able to repay that at what they expect me to. Every single time that I would call they would tell me that my loans had been sold/transferred and that there was another fee and more interest. 
I am now very much at risk of having a very good job offer rescinded because of my student loans on my credit report as I had to contest my report and explain what happened. I believe that NAVIENT has acted predatory towards borrowers and it affects our livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2019 I have been a customer of USAA for over 11 years with a perfectly clean credit record and no insurance claims. On XX/XX/XXXX and again on XX/XX/2019 my home was broken into and my credit card stolen. Around midnight on both those days, the card was fraudulently used by the thief at a XXXX XXXX located nearby in the amounts of $ XXXX XXXX a total of 3 such charges for gift cards and another of $ XXXX for bicycle parts ). When I discovered and reported the theft to USAA on those 2 occasions they reissued a new card indicating that they would remove the charge from my account while investigating the fraud. In the meantime we received a fraud report from the local police department together with a still image of the theft using the card at the exact time stamp on our statement. We uploaded those documents as requested to USAA. Soon after the fraudulent amounts were reinstated on my account and when I called the customer service department was told that my claim had been denied. I was also told that they could not see the police report and that they would resubmit the claim. During these 7 months I have spent over 20 hours on the phone with USAA to try and talk to their fraud department and understand why their zero customer liability on unauthorized use of a credit card does not apply to me. The company puts a firewall around its fraud department and makes it impossible for customers to talk to members of their team. Moreover, promises to respond to my telephone inquiries by email are not kept and I am sent into a circle of unresponsive resolution. I am asking for the CFPB to help me understand what additional information USAA needs from me to fulfill the obligation of their terms and conditions regarding zero liability and perhaps use your leverage to stop this abuse of the veterans who are its bread and butter customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American First Finance, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMER FST FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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:
My personal information was compromised about 3 years ago due to Equifax 's negligence to insure reasonable security measures of all consumer personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: AZ

Complaint narrative:
My personal information was compromised about 3 years ago due to Equifax 's negligence to insure reasonable security measures of all consumer personal information

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 2019-10-11 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We are filing this complaint against BMO Harris for reasons of negligence on their part while the fraudulent activity kept on going with our Home equity and another account for almost 1 year and now enormously distressed by their unfair business practices. We were never contacted to authenticate any such transaction, my signatures were never validated, not a single correspondence. A year later ( XXXX ) we received a letter from the bank notifying us of the overdraft and that we are required to make the payment. My husband, XXXX XXXX went to the bank the very nest morning and discovered that we apparently have a home equity line in the amount of {$610000.00} and a dormant joint account with apx. {$27000.00}. The bank manager was quite helpful ans was able to pull some information. It was discovered that starting XXXX someone somehow accessed our home equity line account and starting transferring money into our joint checking account and on monthly basis was sending money to different banks, one was particularly XXXX XXXX belonging to XXXX XXXX XXXX XXXX The entire year such large transactions kept moving out with fraud signature and received not a single notification. Upon discovering this, we immediately filed a police report, filed a complaint with FBI and FTC. This was all done to provide additional support and assistance to BMO Harris bank in investigating and closing the matter. The bank has been avoiding communication, lack of response. WE had one meeting with investigating team in XX/XX/2019 and other on XXXX, because we were being persistent. There is a matter of statue of limitations as well. The bank is unnecessarily causing delay. FBI has confirmed to the bank that there is no foul play by the client and there is a large racket out which is involved in such fraud activity. 
Now the bank is asking for our Identity Theft Protection information which is our insurance. We spoke with XXXX XXXX and they were socked as to how the bank can come after our our personal insurance. We have provided the BMO Harris all the contact information of XXXX XXXX and what they are trying to do is reduce their losses. Their exact words.

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 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: OR

Complaint narrative:
There was a account open fraudulent so The Bureaus got that account in collections. I called them after many letters and I settle that account and paid {$260.00} on XX/XX/2017. They sold the settle account to another company and they want me to pay {$340.00} to settle it again. They have harassed me over the phone. I am XXXX and Last year I XXXX my baby from XXXX and I do not want to happen again. I paid that account and they are a dishonest company because they got the money and now pretending that they never got a payment. I need your help to solve this situation.I get hundreds of phone calls and when I speak with them its horrible how they treat me and make me feel like if I don't pay something bad will happen to me. I'm worried about my baby. Please just make them see that i paid that debt 2 years ago. Please just make it go away. God knows I paid that debt that was open without my consent. Please I beg you for help. I can't take any more of their phone calls. I am not working and I can not pay what they ask but that account should be close because I paid it 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am so tired of being DISCRIMINATED against due to my age. I am a very healthy XXXX yr old XXXX VET, you not just fought for this country but refused a medical leave due to injuries I suffered in 1943 so that I could rejoin my fellow unit in XXXX. I did and finished what we started, But here in the country I have given so much for I continually am turned down for accounts, My credit score ranges from 795-830 at the time I applied for a Checking account with Citizens bank my credit score was XXXX. 
Yet and unbelievably about 2 weeks ago Citizens bank denied my application to open a checking account. I bet if they knew I had over 7 figures saved up ( did not retire until I was XXXX yrs old ), that would have been different. 
I entered all my correct information, they did not ask to verify any information they just simply denied me.

I asked my nephew to apply moments later, he was helping me apply online, and although his credit score is far less than mine, he was approved instantly. 
So what possible reason besides my age could Citizens bank offer up as an explanation. 

I have received no letter or any other communication

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I closed on a 30 year construction loan with BBVA in XX/XX/2019. During the loan application process i was told that i had to get my loan to XXXX XXXX as thats all i would qualify for based on my LTV ratio. I got my build costs to this number. When the appraisal came back the property and plans appraised for a higher value then estimated so I was told by my mortgage broker at the bank that I now had an additional XXXX to spend on building the house. This took my loan to {>= $1,000,000}. At no time during the loan process or in any disclosures were there any additional closing costs or closing draws documented. 4 months after closing my loan i met with my builder to discuss funds used for construction and I thought he had lost XXXX as i was paying interest on XXXX  since i closed my loan. Come to find out BBVA took this XXXX and applied it to a closing draw. I communicated this issue to my broker and he and I were still on the same page that the money was supposed to go to build the house and that all closing costs were already paid. When we went further up the ladder at BBVA they said he did his ratios wrong and that he took equity into play when he shouldnt have. I have this phone conversation recorded between him and his boss. My broker clearly tell his boss that the XXXX was respresented to me as build costs and not to a closing draw however they are still unwilling to make it right. If you would like this phone recording please let me know as they clearly lied to me to get my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My loan amount has gone up and not down. I have been paying $ XXXXmonth since 2003 on a XXXX loan at fixed rate of 5 %. At one point I checked and I had XXXX left to pay. Now all of a sudden I have almost XXXX! I cant get any answers from them. They say they have no documents from 2003.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: ID Analytics, Inc.
State: MA

Complaint narrative:
The company sage stream unlawfully obtained personal sensitive information with out my consent both written or expressed and has major discrepancies in their reporting compared to the three major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Per my credit profile pulled by XXXX XXXX and XXXX XXXX XXXX, JCPenny is reporting this account as " closed at the credit grantor ''. This information is incorrect. I requested this account be closed because I lost my job. I requested for JCPenny to  activate the clause in my contract that would protect my account from special circumstances. Unemployment was included under that protection. After several attempts for JCPenny to activate that protection, they refused to do so. As a result, my account became delinquent.

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