vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I had an XXXX XXXX XXXX which has an annual fee of {$450.00} billed every XXXX. In XXXX I downgraded to a NO annual fee card and I was supposed to get a prorated refund for the remainder of the year till XX/XX/XXXX. 

In XXXX I received an upgrade offer. In XXXX, I was told I am not eligible for the upgrade bonus offer. So I downgraded again. 
But I never received the annual prorated fee from XXXX. 
In XXXX I was told they will open a ticket and let me know when and how much would I get the prorated annual fee refund? 

I have still not received the prorated refund. 
I have already contacted more than 5 times regarding this issue and still no resolution. 

On XX/XX/XXXX when I contacted Amex again, they are telling me they can give a prorated refund of {$75.00} only instead of {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only.

Thank you for your consideration in this matter.

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 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
Hi, upon checking my credit files I saw I have a collection account with Transworld Systems Inc and it said the original creditor was XXXX XXXX, I reached out to all 3 credit bureaus ( certifiedd returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by the collection company and to reached Transworld Sysytems Inc if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents or bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with XXXX XXXX or this company, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file this is what I found, now I have to litigate this knowing I have never opened any type of utility service with them or any company before. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 3o days, nothing at all. I want this deleted from all my credit files please. attached is the letter that i sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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:
There are current unverified accounts on my credit report. I have contacted the company with in XX/XX/2019 listing the unverified accounts. They responded with that the accounts have been verified. They did not send me the requested contract from the lender nor did they show me what information they used to verify these accounts. I sent a second letter attached below and got a will not reinvestigate as a response. This letter only was requesting a copy of the original documentation, which is required under section 609, used to verify the accounts and to delete all accounts which can not be verified. These unverified accounts are causing me stress and inhibiting my ability to obtain personal credit.

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 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: MD

Complaint narrative:
Ever since Netspend changed their overdraft protection with the introduction of the All Access card, they are doubling the amount they receive from my direct deposit to their ends at my expense. They are pocketing {$120.00} of my {$250.00} payroll deposit and then profiting an additional {$120.00} in overdraft protection as opposed to me being in receipt of my {$250.00} direct deposit and being afforded overdraft protection of {$100.00} for which I qualify by being a customer who receives at least {$400.00} per month on their card through direct deposit. 

The way this is being done is simply this : I allot {$250.00} to the All Access Card of Netspend each payday. Each payday I only have access to {$120.00} of my {$250.00} direct deposit. When I spoke with representatives and then with their managers on many occasions about this, I am told that someone will call me to correct this. The person that called me told me that this is correct due to the overdraft protection extended of {$100.00} in my case. Realizing that each withdrawal of cash or purchase I make incurs fees upward of {$25.00} each, upon receiving {$120.00} direct deposit per {$250.00} I allot to Netspend for my expenditure each payday via direct deposit each payday of {$250.00}, I resort to withdrawing the full amount ATMs which issue in {$20.00} increments would allow, {$240.00} of my {$250.00} direct deposit immediately upon deposit notification. But I incur {$120.00} in overdraft protection fees in doing so. When my next direct deposit of {$250.00} notification is texted on my phone it reads that {$120.00} is available from recent deposit of {$250.00}. This happens each time I allot {$250.00} to my Netspend account per payday, which equates to a total of {$500.00} in monthly direct deposits I entrust to Netspend for my use at my discretion.

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 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been reporting erroneously for years in multiple ways. 
Currently, after many letters, XXXX XXXX reports first major delinquency on XXXX as XXXX, XXXX for a time-barred account from XX/XX/XXXX. 
They were simultaneously using XXXX as well but now it is all XXXX XXXX XXXX. 
The parent company is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX I had had the original acct since the early 80 's which was in good standing until the last year. An abuser in my life caused havoc in every way imaginable. I am lucky to have lived through it. First thing on this card, the interest was raised from about 11 % to 29 %. I had just lost my home of 28 years which I ended up paying off when it was mysteriously transferred to XXXX XXXXXXXX ( XXXX was soon taken over by the government and my life savings so to speak was gone forever. ) I was totally uprooted and having to drive more in relocating. The house is now on the tax rolls for over {$400000.00}. so a few people made off like bandits on my equity and my property.

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 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

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 2019-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This mortgage is held by Loancare for a residential property at XXXX XXXX XXXX, XXXX XXXX CA, XXXX. I have had a mortgage with Loancare for several years. It was refinanced in 2009 and at that time an error was made. I own another home, at the address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, which is financed by another bank. However, somehow, when i refinanced in 2009, the XXXX XXXX property Deed of Trust got attached to the XXXX XXXX property, in error. 

I need that Deed of Trust for the XXXX XXXX home, which has been attached to the XXXX XXXX home in error, to be released to me from the XXXX XXXX property so that I can complete the sale of the XXXX XXXX house. 

My Title Company and I have been calling Loancare for more than one month, many times each week and they simply tell me that it is being researched. On several occasions, I've been told the matter would be resolved within a few days and I've been told that I'd get a call back. But nothing has been resolved and I've never gotten a call back. 

I need to have the deed of trust on the XXXX XXXX house released immediately. 

I am hopeful that you can assist me in getting this resolved. Loancare has exhibited the WORST customer service that I have ever experienced and I would never use them again for any business transaction. 

Thank you for your help. 

XXXX XXXX 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 explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

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 2019-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: RI

Complaint narrative:
Hi, upon checking my credit files I saw I have a collection account with Security Credit Services LL and it said the original creditor is XXXX XXXX ( both companies I do not know nor heard of ), I reached out to all 3 credit bureaus ( certified returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by this collection company and to reached Security Credit Services LLC directly if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with any of them, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file and this is what I found, now I have to litigate this knowing I have never opened any type of account with them. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 30 days, nothing at all. I want this deleted from all my credit files please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I was fooled into applying for a credit card with capital one and the odds said it was good chances thatll get it but, I was denied and my credit score was effected by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX sold me a 2012 XXXX XXXX on XX/XX/XXXX. 

While my husband was serving XXXX XXXX orders driving to XXXX XXXX, Georgia the engine blew on XX/XX/XXXX. 
The car made a loud knocking noise while driving approximately 30mph, the car then started to smoke under the hood. He pulled over and noticed oil spilling out from underneath the car. He tried to start the car back up to see where the knocking sound was coming from, but was unable to get it to start. 

I was able to have the vehicle towed on the military base the following day through my insurance company to a auto shop. The mechanic checked the vehicle and said the engine threw the connecting rod and caused a hole in the engine, stating I needed to replace the engine. 
After calling auto shops around that area to see who can replace the engine my husband was told it would cost $ XXXX. 
We also looked into having the car towed back so I could have it fixed in Texas instead, but the cost for towing is {$820.00}. 

On XX/XX/XXXX I called the dealership to see what they could do about the car and was told they could do a trade in as is, but I would have the remaining balance ( {$10000.00} ) transferred over to the new vehicle. That would leave me with a substantially higher monthly payment, that is impossible for us to afford. 
The dealership advised me to contact XXXX XXXX, the company I had warranty under. Unfortunately I no longer had coverage due to mileage being over XXXX. 

I contacted Ally financial to see if they could be of any assistance with this situation, but was told they wouldnt be able to help and I needed to contact the dealership. 

I have done some research regarding XXXX XXXX XXXX and I noticed a high volume of people experienced the same exact problem and/or other engine problems.

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 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i recently signed up for an account with XXXX and they told me there a hard inqiury for that. But there a currently 2 inquiries regarding the same account which is unauthorized for. it was done without my consent and my without my permission. 

Equifax Credit Agency. 
Hard inquiry : - XXXX. 
Date : - XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy.   However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
We had an account with XXXX for 14 years at one residence ( in Arizona ). We never missed a payment and had an impeccable credit rating with XXXX. Due to my wife 's father becoming ill we had to move to XXXX for XXXX year. We had XXXX at our residence in XXXX  ( XXXX XXXX XX/XX/XXXX ). We moved back to XXXX  in XX/XX/XXXXor employment reasons. In XXXX, we were advised to suspend our account ( no charge because we were excellent customers for 14 years ) and set up the service when we arrive in XXXX. Unfortunately, where we relocated in XXXX, XXXX was not available. We made a final payment to XXXX in XX/XX/XXXX and cancelled the account at that time. The equipment was returned in XX/XX/XXXX. We have the receipts to prove this from XXXX. XXXX did acknowledge the returned equipment. We started to receive bills stating we owed {$700.00}. I have been trying to speak with customer service representatives about this bill for over one year. This {$700.00} amount is now listed with a collection agency. My wife and I are trying to purchase a home, and this account is damaging my credit rating and ability to secure a loan. I have on record that I have communicated with three supervisors ( as well as their ID/Badge numbers ) about our situation. I can not get any answers or feedback about how we owe {$700.00} dollars. We never received an itemized bill with any charges. No charges should have been incurred as the account was suspended and then cancelled. One supervisor removed a {$66.00} charge immediately, stating this was not our fault. If this was done, how do we to owe {$700.00} dollars? I have been trying to communicate with XXXX for over one year. There is no justification to this charge. We never authorized these charges. When speaking with the supervisors all of them guaranteed to give us a return call ( about our situation ) within 5-10 business days. This has not happened. I was told to respond to an email as I was speaking with a supervisor to verify the correct email address. I did this while we were speaking on the phone. We have not received any information or resolutions about these charges. There was even a quote from a supervisor who stated the " back office '' would investigate and reply within 5-10 business days. I would welcome the opportunity to speak on the phone or communicate via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
For our business, my wife XXXX and I opened a line of credit with BBVA and have accumulated {$69000.00} in principal. The bank has sent notice stating the following, ... your loan will mature on the date noted below. For your convenience you may mail your final payment to BBVA USA address above. The amount due is {$71000.00} which we can not possibly afford to pay. When my wife discussed the issue at the branch, she was told she would need to re-apply for a new line of credit at a higher interest rate ( current is an outrageous 9 % ). Further, when she mentioned that she was never told about this loan maturity issue, the branch agent feigned surprise. If this is not predatory lending, I dont know what is. Please help.

Company response to consumer: Closed with explanation