vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 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: FL

Complaint narrative:
Since XX/XX/XXXX USAA has insisted USAA fraud credits applied to the balance. ALL USAA CREDITS ARE INTERNAL. USAA refuses to, as my math teacher would say, ( ** SHOW YOUR WORK ) With fraud credts hidden from me and Not listed on my statementt. THIS IS UNACCEPTABLE. SHOW YOUR WORK. I DO NOT BELIEVE USAA all credits applied because my statements ( SHOW THERE ARE NO USAA CREDITS from XX/XX/XXXX thru XX/XX/XXXX LISTED UNDER TOTAL PAYMENTS AND CREDITS for this period XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX. ) I HAVE A RIGHT TO FINANCIAL DISCLOSURE OF THESE FRAUD CREDITS THAT ALLEGEDLY APPLIED TO MY BALANCE. USAA REVERSED OVER {$1.00}, XXXX AND HAS NEVER ** SHOWED THEIR MATH WORK PROOF OF USAA PERMANET CREDITS. THEY DO NOT LIST ON MONTHLY STATEMENTS. THEY ARE HIDDEN FROM CONSUMER. Two years, two years and USAA still will not show their fraud credits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Credit report is in limbo since XX/XX/XXXX, unable to capture correct status as of XX/XX/XXXX. Experian has not addressed the 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 2020-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My issue is multifaceted. XXXX XXXX is a mobile tool company that visits auto shops to provide tools and payment processing for its customers. The rep. who handles my reoccurring payments quit abruptly and with no notice. As it turns out, payments I thought were reoccurring were actually manually processed by the rep. weekly. As a result, my payment was delayed by an excess of 30 days. 

I contacted XXXX as soon as I got the alert in my report and squared my bill, even paying it off early some months later. I have since requested the late payment reporting be removed based on the obvious communication breakdown due to events outside of the norm, and subsequent sound payment history. The initial XXXX  rep I spoke with refused outright and told me his word was law and there was nothing I could do and no one else I can speak with. The second rep I spoke with told me to dispute it through the credit bureau. Which I had already done. 

I called Transunion to get more information about the dispute and was simply told the account was updated. It took about a half hour of continuous grilling to figure out exactly what was updated, considering the late payment was still visible on the account. 

As it turns out, irrelevant details were amended, but the specific reason for my dispute was ignored. I asked the Transunion rep about this and was told the company didn't respond to the particular reason for my dispute and that I was free to file a second dispute. I pressed the Transunion rep to call XXXX while I waited on hold. Upon returning to the line, I was told that XXXX more or less wouldn't speak to the Transunion rep, and that I needed to file a dispute through XXXX to get the issue amended. When questioned on how an investigation can be completed if the accused party can simply refuse to speak to the investigative one, I wasn't given a sufficient answer. I called XXXX to file a dispute and was told by a rep the payment history was too old to be amended and that they wouldn't change it. 

My issue is against XXXX XXXX ' refusal to reasonably handle and investigate disputes concerning the accuracy of credit reporting, and Transunion 's negligence and spinelessness in conducting an investigation to a reasonable conclusion. This is not the way our system is suppose to work.

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 2020-02-21 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: FL

Complaint narrative:
XX/XX/XXXX Ms XXXX USAA lies again to Federal Authority CFPB. NO RESPECT OF AUTHORITY. See attatched statement AGAIN presented to USAA previously XX/XX/XXXX. Beginng bal was XXXX. Credit paid by XXXX XXXX {$120.00} included in the other credits of {$340.00} see it at bottom of page XXXX XXXX Credit and XXXX credit NO USAA CREDITS LEAVING THE BALANCE OF {$470.00} ** AFTER ** AFTER ** AFTER {$120.00} is Removed. THE BALANCE LEFT ** AFTER THE XXXX XXXX CREDITED IS {$470.00} ** MEANS THE XXXX  XXXX  IS NOT PART OF THE {$470.00} BAL REPORTED FRAUD. USAA STOP LYING AND SLANDERING MY NAME. RESPECT AUTHORITY ENOUGH TO TELL THE TRUTH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: MA

Complaint narrative:
I have two accounts on my credit report that do not belong to me : XXXX/Dept Of ED - {$5700.00} BALANCE - XXXX - OPENED XX/XX/2018 XXXX/Dept Of ED - {$3600.00} BALANCE - XXXX - OPENED XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i have been a long time wells customer in XX/XX/2007 my loan was here and i got offers for free checking no minimums My loan was TRANSFERRED out and as a result i have lost all my perks and am getting billed fees. I want them refunded i wish my crown to stay here at least XXXX with no minimum required. AS it was grandfathered. i dont want to have to leave the bank. This is not fair right now i have a fee on XXXX and XXXX will likely be billed this is not right or fair PLEASE help me or i will have to leave the bank altogether. i dont want to i did not ASK for this HELP no red tape no scripts Help for loyalty Just got hung on by CS pull the cALL no fees please refund my money in XXXX put in XXXX and give me time to go elsewhere if you cant help me i cant and should not have to pay fees

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 2020-02-21 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-02-21 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: MA

Complaint narrative:
I have two accounts on my credit report that do not belong to me : XXXX/Dept Of ED - {$5700.00} BALANCE - XXXX - OPENED XX/XX/2018 XXXX/Dept Of ED - {$3600.00} BALANCE - XXXX - OPENED XX/XX/2018

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 2020-02-21 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
Mortgage fraud. My ex-husband took out a mortgage in XXXX, XXXX, for {$670000.00} without telling me and forged my name on all of the documents. I found it in public records in XXXX, post divorce. The original lender is XXXX XXXX XXXX. Investors Bank bought it and it was discharged in XXXX. My ex-husband 's lawyer is knowingly concealing these crimes and refuses to produce the documents because the divorce was finalized. Someone tampered with public records, because the mortgage is recorded with Investors Bank on it as the Lender and my name as the Borrower. The public record of this mortgage is notarized, yet I never signed anything related to this mortgage. The mortgage documents are filed in the XXXX County Courthouse. A subpoena for the mortgage documents and application was served  upon Investors Bank last month. They refused to produce the documents to me. After several conversations with Investors Bank, they sent me a secure email stating that my social security number is not and has never been in their system. Yet there is a mortgage filed with Investors Bank and my ( now ) ex-husband and myself both listed as Borrowers. Please help me access a copy of the application I am legally entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR account opened on XX/XX/2018 closed on XX/XX/2018. but still reporting on credit after they closed the account and still receiving harassing phone calls

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 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A HELOC and mortgage loan application was arranged by Merrill Lynch with BOA, the parent company of Merrill, on our behalf as XXXX XXXX XXXX. The HELOC was refused, but we could obtain a {$500000.00} line of credit from a local bank. The mortgage loan was processed with the help of our financial adviser XXXX XXXX. The loan was refused. at the last minute, a few days before closing. Upon complaining, BOA conducted a prolonged investigation and determined that it was a clerical error in the part of loan processor, which could have been avoided ... .an apology was issued. We had to liquidate some of our assets, about {$300000.00} to pay for the balance of the house construction project. The mortgage loan at a preferred interest rate was recommended by by our financial advisers, as a part of our wealth management plan by Merrill. We claim that BOA/ML were delinquent in providing us the appropriate attention and caution in arranging the loan. We estimate that we encumbered a loss of {$300000.00} due to the incompetence of the personnel involved in the loan application process.Subsequently, Merill terminated our relationship as clients, in a hostile manner, without providing a reason. Many misrepresentation facts and falsification of numbers by the Merill personnel have been documented as a part of the investigation by XXXX XXXX of BOA. Complaints have been filed with FINRA and SEC. 
Event dates : between ... XX/XX/XXXX and XX/XX/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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am responding to kohl/ capital response. XXXX this account is a charge off, I paid off this account, it is being reported with a balance of XXXX and a charge off as of XX/XX/XXXX and scheduled to continue until XXXX, I am not asking to remove negative remarks, I am asking to investigate this account, as stated earlier I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
this is for faye servicing fayeservicing.com and i want this complaint submitted to them. please dont tell me you cant find them that is their website. My loan which is 5 months behind was being reviewed for forebearance. It was transferred XXXX and i knew the one size fits all would happen. I asked XXXX XXXX  from where it transferred to speak to these people at faye that i had shown preliminary evidence of being able to repay what i owe. I tried calling XXXX XXXX i get spontaneously disconnected when i try to do so. on XXXX when i came home there was a letter posted to my door by a property inspector. Please note XXXX did not even send me a letter of acceleration because i was undergoing a review. And its looking good. Despite that someone i am not sure who but likely FAYE servicing fayeservicing.com called a proeprty inspector and they will likely TRY to bill my account for this which i will fight. I want the REView for forebearance to continue.

I want individualized help and a contact i can reach at faye to continue hat we were doing at XXXX. NO property inspections please Not needed. Not wanted And the inspector said my home was vacant which its not. clearly and XXXX knew that. HELP HELP HELP No one size fits all which is why i asked XXXX XXXX to reach out to them for me. in antiipation to avoid all this ANY CALLS SHOULD ONLY BE AFTER XXXX eastern please no one size fits all please please check with WF as to where i was in the review process and continue not send property inspectors to my house not needed. i will pay no fees. i have rights which i will protect no XXXX XXXX thank you maam. please i did not want my loan transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: FL

Complaint narrative:
Because as you know I submitted a dispute against Equifax .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX system and possibly make sure this XXXX  stops .... you are the one supposed to regulate this XXXX and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... XXXX is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO EQUIFAX AND XXXX TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have had no permanent employment since 2010 ; working contract is not helping me either. I can't pay the loan at all ; plus Navient only answer is to continue forebearance now a XXXX dollar loan over the course of 10 years and accumulated interest is now XXXX I will never be able to pay this unless I win the lottery ; I don't even play. 

I am trying to find an attorney to file for student forgiveness. I am now XXXX and am XXXX   with XXXX XXXX still. No attorney will hire me permanently I still hear I don't have experience after 13 years of graduating with XXXX 's grade point average. I have had to work contract with no secure permanent job in the future coming to me. I don't know the answers to these issues, maybe you do. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: IL

Complaint narrative:
stated they verified a bankruptcy and I received proof from the court which I sent them that they do not verify bankruptcies with outside companies or credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I established a Military Star Credit Card with the government company known as AAFES from the years of XX/XX/XXXX to XX/XX/XXXX. While I had the card I endured hardship i.e. divorce with a new child, moving apartments, buying furniture. No longer having the additional income of a spouse, I got behind on the Military Star Card multiple times but made payments as much as I could. 
I was XXXX  discharged from the United States XXXX on XX/XX/XXXX due to injuries sustained from duty. I paid the Military Star Card balance off in full/entirely and closed the account on XX/XX/XXXX. AAFES performed a " hard '' close on the account so the account was sealed. 
Presently, AAFES is reporting to all three credit bureaus that the account had activity from XX/XX/XXXX-XX/XX/XXXX which included seven missed payments. Some 30 days, 60 days up to 90 days late. They took my past mistakes ( late payments ) I concurred before XX/XX/XXXX and reported them on the years of XX/XX/XXXX-XX/XX/XXXX when the account had been closed four to five years by then. 
They are tremendously impacting my credit negatively to keep updating this information. I have called numerous times about the issue just to be told " nothing can be done about it ''.

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