vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2022, I attempted to deposit a personal check I received in the amount of {$2500.00} On XX/XX/2022, I was notified by USAA the check had been returned for insufficient funds and was assessed a returned check fee of {$5.00} Upon being notified by the drafter that funds had been moved to cover the check, I attempted to redeposit/present the check via the USAA mobile app. The app advised me that the check had already been deposited and could not be deposited " again '' via the mobile app. 

On XX/XX/2022, I spoke with a USAA representative regarding re-depositing the check. The representative assured me that, I was able to re-deposit the original check. Although the mobile app wouldn't allow it. I went to a USAA ATM machine in XXXX XXXXXXXX to redeposit the check. I would NOT have done this but for the advice of the USAA representative saying this was allowed. 

On XX/XX/2022, I received notice on the USAA website my deposit was being disallowed as a " duplicate deposit '' I have carefully reviewed the terms and conditions of the USAA Checking/Savings agreement. Nowhere does it say that a previously returned check can not be presented a second time ( merchants do this all the time ). 

I also am no longer in possession of the check. Had I known USAA would not allow the check to be presented a second time, I would have either asked the drafter to write another or go to another bank. I relied on the USAA associate 's guidance to my detriment. 

I understand the USAA business model is one which is highly risk-averse... even to the detriment of its members. I accept that. However, I have no history of misuse of my deposit accounts. Its been 11 years since I last even bounced a check. I think I'm entitled to the benefit of the doubt to have the check in question presented again for payment. 

I also spent a significant amount of time on hold on XX/XX/XXXX and was told there were no managers or specialists available to assist 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 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I could not log into the mortgage companies website. It would say loan not recognized. Customer service wait times were in the hours. The company did not contact me. Eventually sent me a letter which i responded immediately and was able to reach a represented who walked me through connecting my Loan and Their website. I pay the back balance. I followed up to ensure my Auto-Pay was setup and my Balance was XXXX. The webpage was confusing but clearly showed a {$0.00} due balance. The associate assured me the balance was {$0.00} and autopay was setup. The following reporting period I received a 30 day late. I called back and was told the balance was due and autopay was not enabled. I paid immediately again and setup autopay again with the rep. 

The companies poor web portal and misinformation caused the 30 day late payment. Not once was I unable or unwilling to make the payment, I simply was UNABLE due to their systems. I explained this politely many times and have been sent all over LOANDEPOTs departments. After filing a complaint I received a call denying my request becuase " the payment was late '', however it was late because of LOANDEPOT. I asked the representative if they listened to the call and she said yes, however she referenced female associate but I was talking to a male associate. She pulled the wrong call. I clearified this and received a half-heart " oh i listened to that too ''.. I do not thing she did. These late report are hurting my ability to refiinance and its LOAN DEPOTS fault. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent duplicate letters to Experian requesting for them to provide proof of how they verified a bankruptcy on my credit report. I sent them certfied letters twice and I then reached out to the company by phone to ask why they have not responded and their response was " they don't have to ''. I am reaching out to request help with this issue. experian is reporting a bankruptcy on my credit report and has been refusing to provide information on how they verified this information. This is affecting my ability to move forward in life such as employment and housing. I am providing proof of the letters I have sent as well as the USPS certified receipts. I am humbling asking for help with this issue.

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 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: ID

Complaint narrative:
numerous calls daily every few hours. when the phone is answered, there is nobody on the line. this happens many times a day. 

I didn't know what why the harassment was about until I received a false, deceptive and misleading debt collection attempting to convince me that I owed a debt to another? collection agency 10 years ago! what???

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I tried to access my credit report on Www.Equifax.com. I was presented with the 'We are temporarily unable to complete this request.. I tried again 3 days ( XX/XX/22 ) later to access via the website and continued to receive the same message as before. Then I called the XXXX on same day on XX/XX/22 and sat on hold for 40 minutes until an agent picked up & line disconnected. No other action was taken until today XX/XX/22 where i tried to login at Www.equifax.com. Once I entered my login info, I received the exact message the other 2x before 'We are temporarily unable to complete this request. ' What are the next steps to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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:
I have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past XXXX yrs. I'm a XXXX XXXX XXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.

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 2022-01-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past XXXX yrs. I'm a XXXX XXXX XXXXXXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
I have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past 2 yrs. I'm a XXXX XXXX XXXXXXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.

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 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX my account was charged {$400.00} as a XXXX XXXX XXXX transaction that wasnt me. I called the bank and they said it has to post so i waited. i checked later that night and it was reversed so my balance was back to normal. Then on the XXXX they tried another {$400.00} transaction with the same name and it went through. So now my account is overdrawn {$400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Got a letter from apple recovery service saying they are collecting for credit acceptance corporation for the amount of XXXX dollars. I have not never bought a car or anything else for anything close to That amount of money I did not make this loan or any other loan for this amount. This is a fraud or they got the wrong person

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
A collection agency, Harris & Harris ( XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Illinois XXXX, XXXX XXXX XXXX ), contacted me about a debt from XXXX University XXXX XXXX XXXX XXXXXXXX, Illinois. The amount claimed was likely the overage of charges that XXXX does not pay. I did not receive specific itemization of the charges. Harris & Harris called me repeatedly on my home phone. They later sent me an offer of settlement in the mail. They asked for a payment of {$250.00} in settlement of the total they were seeking of {$380.00}. I was able to pay the settlement amount of {$250.00} and paid it online last month. 

They are now billing me for the amount that they had offered to forgive in the settlement. They are billing me for {$130.00}. What's worse is that the hospital system ( XXXX University ) claims that I owe them {$130.00}. 

Harris & Harris offered a settlement through the mail offer that I agreed to, and now claim no settlement was made ; as they and XXXX do not recognize a settlement for less than was originally owed..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I had recently disputed inaccurate data points that have been incorrectly reported by Transunion. There were inquiries placed on my personal credit file through the Transunion reporting platform that I did not authorize. I had disputed this information with Transunion through the FCRA dispute process and had the documents delivered certified USPS mail to this specific credit reporting agency. I provided all documentation that was needed in order for the agency to investigate properly, and yet the agency never conducted any investigation into my dispute. As matter of fact, and adding insult to injury, Transunion never responded at all. This is a violation the FCRA as well as CFPB dispute guidelines that are clearly laid out on the CFPB website. Transunion is negligent, and also complicit in their enablement of identity fraud. Also and in addition, I reached by phone to Transunion on 3 separate occasions and requested that they remove 2 security freezes from my credit file. Their automated customer service menu options almost forces a security freeze on your file prior to attempting to reach a live person. The agency never removed the credit freeze. I then submitted a dispute to Transunion using the same FCRA certified mail dispute process, while yet and still Transuinon refuses to process this particular request as well. As of today, XX/XX/22, the security freeze is still placed on my file. After only making efforts to correct only 2 % of consumer disputes, Transunion not having clean hands are negatively effecting my credit report which have damaging impacts on myself and my children. What do we do now? Credit reporting agencies seem to have gone completely " off-the-rails '' so to speak. I have attached screenshots as documentary evidence showing all of the documents that the bureau received on my behalf.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
For a year of working hard paying my bills to improve my credit score on XXXX I noticed multiple alerts from my XXXX account someone has my Social Security number for The dark web. 
On XX/XX/XXXX I got an alert stating that my transfusion credit report dropped by over XXXX points and it was due to a company by the name of Commonwealth finance in Pennsylvania put a collection balance on my report in amount of {$300.00}. I proceeded to contact the number on my report to find out it was a collection agency stating that this was a balance from 2015 from a hospital visit which was not my account and is completely incorrect. She was rude disrespectful and will not provide me with some type of proof that this was legitimate I did a little bit of research online this company seems like it does this to consumers and when you go online they actually have a service to take the information off of your credit report for a fee and its the same company as the outfit that is the Collection agency commonwealth finance that put the information on my report, this agency which completely looks like a scam Multiple complaints online. Ive reached out to transfusion and I submitted a

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
EXPERIAN 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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, So I placed my freeze on equifax and XXXX and yesterday the loan officer for my mortgage asked me to unfreeze it which I already did after login on to the portal. 
He tried pulling my score but has been unsuccessful ever since. 
There is nothing wrong with my data because the loan officer is able to pull my score from experian so it tells me that the input data is correct. 
I called up equifax and i online chatted with XXXX and they confirmed that the freeze is lifted. 
I do not have any other ideas as they keep telling me that there is no issue to pull the score but my loan officer has sent me image evidence that the scores do not show. 

I am not able to proceed with my mortgage application which is very critical for me right now. Could you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/21 I received by U.S. Mail a Safe Deposit Box Past Due Notice for {$100.00}. 
This safe deposit box rental fee was paid by cash in full in the amount of {$92.00}. I have a receipt given to me by the Bank branch. This box rental fee was paid on XX/XX/21. 

This safe deposit box is # XXXX. My social security # is XXXX. This box was located in the Bank of America, XXXX. branch at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. 
Inside the box are important legal documents from litigation. 

I want the Bank of America, XXXX. to acknowledge to me that my rent has been paid in full. 


Respectfully, XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR 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 monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
XXXX XXXX TRANSUNION

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
XXXX EQUIFAX XXXX

Company response to consumer: Closed with explanation