vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There was fraudulent charge made on my card at a wireless store. I notified Barclay by phone 5 times emailed and faxed them over a 2 month period. I have been unknowingly paying for the charge for over a year because I have all cards set up on autopay and recently relized when my bank account was compromised and had to set up all accounts again on new account and realized I had two Barclays payments coming out. I am getting the run around and no help from Barclays!

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 2019-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Quicken loans have alternated calling my home and cell phone 10 times in the last 24 hours,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I had a charge come thru that overdrew my account. I had canceled the membership earlier Im the month so I filed a dispute. The charge came thru XX/XX/19. I received a letter with a form to return that was dated XX/XX/19. I faxed it back XX/XX/19 selecting option saying it was previously authorized but since canceled. I received a letter on XX/XX/19 which was dated XX/XX/19 from a collection agency saying my account was closed and sent for collections. The same day I received a letter dated XX/XX/19 from the bank saying my claim was closed because I had authorized the charge before. After talking to Associated bank at length the reason I was given for my account being closed was since the charge over drew my account despite me disputing the charge because the bank had added so many overstay fees including daily fees they closed it over. Eveythough again the only item that had my account negative was in dispute. I called XXXX XXXX who had charged the fee originally and they apologized for the errand reversed it. Also assured me my membership was cancel. ( I had 2 accidental XXXX exposures and I told the waiter I am XXXX ) as a result I cancel. Associated Bank closed the account before 30dsys of it bring overdrawn because of fees they charged and sent it to collections before a decision was made on my Reg E dispute. Their overdraft fees ( daily and otherwise ) apparently trump due process with Fed Regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2019 I created an account with XXXX XXXX to monitor my credit because I am in the process of purchasing a home. I than realized that I had several inquiries on my report that I did not authorize. I reached out to the companies and the only response received was that I was to contact the credit bureaus. I typed out a letter to all credit bureaus with the information I did not recognize and sent it via certified mail on XX/XX/2019. Letter is attached. On Friday XX/XX/2019 Transunion responded with an explanation of what a inquiry was but DID NOT complete a full investigation as required by law. As a consumer and under the FCRA that is a injustice. I also have a credit alert on my account requiring anyone needing to pull my credit to contact me and that was not done.

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 2019-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Dear Attorney General, PHH Mortgage, formerly Ocwen is the service provider of my mortgage relating to XXXX XXXX XXXX in XXXX, CT. For several years Ocwen mishandled my  mortgage and has caused me extensive amounts of suffering, lost work, stress, anxiety and financial loss. My most recent situation is pertaining to both a loan modification request and an insurance claim which calls for repairs on the home which need to be completed before the property can be rented. The rental payments are normally transferred over to the mortgage companies for the mortgage payment and I keep {$0.00} of those funds for myself. PHH is a very fragmented organization with phone support spanning across the globe thus resulting in a great deal of misinformation and extremely confusing and inaccurate information being communicated, captured and processed by each of the members of there support team. I have documented the plethora of mistakes made by the company which have resulted in continued delays and strains on me as consumer/borrower. Each and every time I speak to someone at PHH regarding the status of an insurance check which I have requested an exception to complete private repairs ( as they are all surface level updates such as laminate floor replacement, floor refinishing and general cleaning, PHH presents a NEW or additional reason to reject the claim based reasons never before communicated, thus causing me to work more for theam, spend more time out of my life as single father and also prove to them that they have made MORE mistakes regarding my account - all of which they have admitted to and simply apologize for after all is said and done. This has held me in a constant cycle of producing, sending and following up repeatedly on each task they assign me, only to be rejected again for another reason or because their company made an error in processing my requests ... such as indicating that I have a dispute with XXXX XXXX, which I have never communicated with or had any relationship with at all - resulting in 3 hours out of my day trying to convince PHH that the information in their system regarding XXXX is complete false. Then I am told they need to resubmit the request and it's been another week out of my life waiting and following up so that they can then again reject the request for another, never before communicated reason which demands an inspection on the clean up steps I carried out with the original distribution. I know foreclosure is likely looming and PHH has made it IMPOSSIBLE for me to complete the steps necessary to prevent foreclosure and ultimately resolve the issues for both myself and PHH Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with XXXX XXXX XXXX. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/2019 I executed a transaction to sender {$140.00} to my son XXXX XXXX in XXXX. The total cost of the transaction was {$150.00}. When my son attempted to pick up the money, he was informed that the funds had been returned. ( We were subsequently informed that my son has been barred from receiving funds for reasons that have yet to be explained ) The transaction was sent under Tracking No. XXXX I returned to the XXXX XXXX XXXX # XXXX where the transaction originated.The agent called Western Union for information on the refund. He was given a refund no. XXXX and instructed me to check in 3 hours. I checked with Western Union later that day and the following day being informed that the funds were not yet available. Two days later, I went back to the agent at XXXX and who spent 30 minutes on the phone with Western Union - he was told the refunds had been issued in Colorado and that they would have to do an internal investigation. The matter has been given a case no. XXXX. 

Repeated calls to Western Union have failed to result in any significant action. In the two weeks since this occurrence, I have received no communications from Western Union explaining their actions or indicated when or if I would received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with SYNCB/AMAZON nor SYNB dated XX/XX/19 and XX/XX/19. I have never done business with this company to pull my credit report. I am not liable for the inquiries for Amazon nor XXXX XXXX XXXX   XXXX. I am not responsible for these credit pulls. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This complaint is much more than " Disclosure verification of debt '', " Not enough information to verify debt i.e. amount of debt & name of creditor ''. 1 ) Portfolio Recovery Associates has never properly verified the debts in dispute. 2 ) Portfolio Recovery Assoc. is a collection agency / junk debt buyer. Yet, they continue to report the the two accounts in dispute as if the accounts were open revolving credit lines. Portfolio Recovery claims, on each credit report, that they are a " Factoring Company '', which they are not. Portfolio Recovery is reporting " Terms '' on each credit report. They have been doing so since the original creation of each account. A collection account does not have terms. I have never entered in to any agreement or contact with Portfolio Recovery. They also are reporting a " Failed to pay '' and Past Due amount. In addition, they report a " Payment History ''. Collection accounts should not have a payment history. I do not have any revolving/installment accounts with Portfolio Recovery Assoc.. 3 ) I have disputed each of the accounts with the three major credit bureau 's several times. Portfolio Recovery knowingly is reporting incorrect / false information to each credit bureau. They bought each of the disputed accounts after each account was in serious default and charged off by the original creditors. Portfolio is falsely reporting as a factoring company, they list a past due balance as if these are installment/revolving accounts. Portfolio is negatively affecting my credit reports scores due to their false reporting. I expect full, permanent, deletion of each of the disputed accounts from XXXX   XXXX, and XXXX. Per FCRA, page 85, section 623 ( b ) ( 1 ) ( E ) ( ii ) '' delete that item of information ; or '' ( iii ) " permanently block the reporting of that item of information '' Acct. # 1 : Portfolio Recovery Associates, LLC. Original creditor is XXXX. Alleged balance { {$680.00} } Acct. # 2 : Portfolio Recovery Associates, LLC. Original Creditor is XXXX XXXX. Alleged balance is { {$460.00} }

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2019 I received a notification through my credit monitoring service that XXXX XXXX XXXX reported 30 and 60-day late payments to TransUnion. I have since disputed this erroneous information and sent a debt verification letter to TransUnion requesting that they verify this debt, since I never opened an account with XXXX XXXX XXXX. I asked for very detailed and specific information, under the rights afforded to me through the Fair Credit Reporting Act. I was then sent a letter back saying that the information was verified, but with no indication as to how. After sending a method of verification letter to TransUnion, I received a notification back saying that the information has been modified and that there was a request made to the reporting company to verify the accuracy of the information disputed ; however, code 609 of the FCRA outlines the responsibilities of the credit bureaus as follows : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer ( Page 36 ). 609 ( c ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( Page 39 ) 609 ( c ) ( 2 ) ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. These codes clearly state that the information used to verify information in my credit report should be in the files of the credit bureau, not the creditor, and any information that can not be verified should be REMOVED. Since TransUnion has been negligent and dismissive in their handling of my dispute, I am requesting a full deletion of XXXX XXXX XXXX collection from my credit file.

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 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/19 I went to the Navy Federal in Va XXXX ( NMLS XXXX ) to complete my loan application ; I gave them all of the information they needed except for a ratified contract because we were still waiting for it to be signed and finalized ; I was expecting for the application to be submitted with the property to be listed as TBA ; I took a copy of my ID, my income information, my social security card, my tax returns and copies of my bank statement. The agent took all of my information ran my credit and informed me what my rate options were, she also let me know that the loan can not go over 5 % over the life of the loan. After discussing the different rates available I decided to select the 3/5 ARM with a 3.25 % interest rate that would cost 1.25 % discount. I was given a pre-approval letter and left the bank happy. On XX/XX/19 I reached out to the LO assigned to my loan to let her know I had uploaded a few additional documents that were requested ; I also asked her to confirm that I was getting a 3.25 % interest rate at with a 1.25 % discount, the LO responded back on XX/XX/19 and it was at this time I was informed that my rate will be a 4 % with the same discount charge of 1.25 % ; I reached out to the bank and requested to speak with a supervisor who initially referred me back to my LO ; I then asked for someone above the supervisor to call me which they did ; the XXXX, XXXX, reached out to me and let me know that the information I was given was incorrect and that nothing was signed on the day I did the application so the rate was not locked ; I was also advised that my credit score did not qualify for the rate that was given to me even though the rate was discussed after my credit was ran and evaluated. After speaking to the XXXX a person from the Navy Fed call center called me and gave me the same information, she even went belittled me by asking " do you feel like you have A tier credit sir? '' She had mentioned to me that one of my scores was a XXXX and that the scores I had feel into the B tier ; after speaking to her I inquired about the LE, it was at that point I found out that the max rate can be a 9 % not 5 %. I believe as a consumer we should be given fair and accurate information and if a rate was discussed then it should be honored. .75 % is a lot of money over 30 years and to be mislead on information like this should be a serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased hearing aids about 2 years ago from an office that had a payment plan option. After several months, the office was taken over by new management, that did not offer a payment plan, so they enrolled me in an interest free payment plan that was not fully explained. I paid the minimum monthly amount plus {$100.00} for 18 months, fully expecting to pay off the cost of the hearing aids. On the XXXX month, I received a statement with over {$1100.00} in interest. I now learned that this was a " deferred '' interest plan and not interest free at all. If I had understood the terms, I what have insured that the total cost was completely paid off before the end of the deferred interest period. 


Attached is the statement that includes this deferred interest charge.

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 2019-10-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I disputed inaccurate reporting on my credit file with Experian. Letter sent via certified mail. All the XXXX of the Bureas are reporting different data. They verified it and left it unchanged. On XX/XX/2019 I sent another letter via certified mail requesting the method in which in the investigation was conducted. Instead of supplying me with this information, they opened another dispute, and again verified it, and left it unchanged. I wasn't requesting to dispute it again. I want disclosure on how the investigation was conducted so I can get to the root of the problem. And still, all three of the bureaus are reporting VERY different data on my account.

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 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I am in foreclosure on my mortgage. I applied to Rushmore for a modification of my loan on or about XX/XX/2019. On or about XX/XX/2019, the law firm representing the plaintiff provided my attorney with a trial modification offer. The offer requires a {$8400.00} down payment and a 6-month trial period with monthly installment payments of exactly {$2100.00} per month. On my instruction, my attorney reached out to plaintiff 's law firm to ask what the terms of the contemplated modification would be if I successfully complete the modification, and also asked if the down payment could be eliminated or reduced. The plaintiff 's law firm responded that the down payment " can not be eliminated or reduced '' and also that " the projected terms will not be available until completion of the trial modification. '' I find it inconceivable that Rushmore does not know the terms of the modification it would offer me if I complete the trial successfully. It knows what I owe now and what I will owe at the end of the six-month period if I meet all of the trial plan requirements by making the {$8400.00} down payment and the six {$2100.00} installment payments. I ask that Rushmore provide me with that information that they must know about the projected monthly PITI payments, modified principal balance, maturity date, and interest rate would be if the trial mod is successfully completed.

Company response to consumer: Closed with explanation