vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My checking account with USAA in XXXX XXXX Texas keeps getting hacked. Last summer in 2020 I saw I had XXXX XXXX dollars of assets in mutual funds and dividends and royalties. Whenever I try to call and get my money they say I don't have any or my account is closed. I feel my identity was stolen and I'm being erased. Please help me because the Bank won't help me. I believe these people can help XXXX XXXX who put a criminal trespassing report on me in XXXX Texas when I broke my foot in her yard with my friend and I denied the ambulance and XXXX XXXX who put a criminal trespassing report on me as well when she harassed me at XXXX on XXXX in XXXX Texas and the police would not even check out the surveillance saying it didn't work. I feel like the City of XXXX has violated my civil rights and I'm treated worse that anyone can imagine. Please help me in XXXX Name Amen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Shellpoint Partners, LLC
State: MT

Complaint narrative:
XXXX has been reporting the incorrect dates on my credit report as to when i took out a mortgage with Greentree, Ditech who filed for bankrutcy and sold our mortgage to New Rez [ Shellpoint mortgage ] .I tryed disputing this and sent them court papers and a copy of the mortgage as to when it was started .They have listed me me as having started this mortgage in XXXX and my contract was started in XXXX .thats when the mobile was built was XXXX they havent investigated this matter and as of this date it is in court in Billings mt .They have this document as i certified it to them and they came back with the same wrong info .please can someone help??

Thankyou XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate unknown things and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am resubmitting a complaint against Mt. America Credit Union as I have found out they are done similar things as they did to my mother. Mt. America allowed a person with a TRO against them to withdraw funds from my mother 's account and refused to pay back the money. They refused to honor an agreement we had to do a work out loan to cover a visa debt, they turned over to a collection agency we continued to work out the debt and they had agreed to reduce the amount of the debt in half. After my mother died they took the debt back from the collection agency and are demanding full payment of the debt against my mother 's estate.
As you can see by the complaints to the XXXX XXXX XXXX we are not the first people they have acted unethically with and done illegal transactions with their funds.

They exposed my mother 's financial information and funds to a person with a TRO against.

As a concerned family member I am asking that they be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
ON XX/XX/2007 I SIGNED A STUDENT LOAN CONTRACT FOR MY DAUGHTER XXXX XXXX TO ATTEND COLLEGE. IT SPECIFICALLY STATES ON THE CONTRACT THAT ANY DISBURSEMENTS ARE TO BE SENT TO ME FOR MY SIGNATURE. I HAVE NEVER RECEIVED ANY DISBURSEMENTS TO APPROVE. I HAVE CONTINUALLY ASKED FOR THESE APPROVALS TO BE SENT TO ME. THEY WILL NOT SEND, BECAUSE THEY WERE FRAUDULENTY APPROVED BY THE DAUGHTER. ON MY CREDIT REPORT HER ADDRESS WAS LISTED AS I LIVED THERE AT HER HOUSE, WHICH I NEVER DID, AS I WAS RECEIVING MAIL THERE. THE APPROVALS WERE BEING SENT TO HER E-MAIL ACCOUNT, AND SHE WAS E-SIGNATUREING HIS NAME. ALL WE WANT IS COPIES WHERE THEY WERE APPROVED BY ME. THEY REFUSE TO DO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I sent a check and paid off the loan to Select Portfolio Servicing on XX/XX/XXXX. 

they waited until XX/XX/XXXX to send a letter stating that the payoff ( which they sent ) was not enough. I didn't get the letter until XX/XX/XXXX. So they held funds and let the interest accrue for almost an entire month. My phone number was on the check so if it was short, they could have applied funds to principal or called me to tell me! instead, they sat on it while it collected interest. i find that to be highly questionable and i believe this is the very definition of predatory lending! Please do something to stop this unethical practice. 

file account number XXXX name XXXX of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
CBE group out of XXXX phone number XXXX XXXX called me to speak to XXXX XXXX who does not have my phone number XXXX asked me if I knew him and started asking personal questions. I hung up the phone I do not owe a debt collector so why are they calling me about some one else debt. Are they looking up family members to harass in order to collect a debt this is illegal and they should be fined XXXX is my Son. I am outraged, I was bothered at work for some else debts? They are calling family members to collect debts? XXXX is not associated with my cell phone number at all. How did they get my phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am on Social Security and since XXXX I have arguing with Wells Fargo who holds my First Mortgage. I get paid the XXXX XXXX of each month and Wells Fargo wants their payment on the first  of each month. I am charged {$38.00} each month and they refuse to change the billing date or the date. I have been told that there is no way possible to make any changes. 

I would like all the money I have been paying be applied to my principal and sent a updated statement as well as a letter explaining what has been 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 monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Greetings Im a previous account holder at Chime. I had a checking account with about {$40.00} & a savings account with about {$2300.00} that was closed once I tried receiving government issued funds. 

Intitally when the accounts closed on XX/XX/2021 I was told that I would be receiving a check for the remaining amount of money in the next 90 days but never received it. However on XX/XX/2021 I received an email saying if theres any balance due a check will be mailed to the address on file. 
As I waited to receive the missing funds on XX/XX/2021 I received another email saying Upon carefully checking your account, I can see the check has still not been sent out. I wanted to let you know that I've escalated this issue and our team is making progress on your request, and we just need a bit more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/21 a dispute was opened which I ask Equifax to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CITIBANK, N.A.
State: PR

Complaint narrative:
Learned from XXXX XXXX notification that my credit score had decreased 5 points on ( XXXX ) due to a open account inquiry by THD/CBNA on XX/XX/2021, and decreased 2 more points on my XXXX credit score on XX/XX/2021.

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 2021-08-26 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: MI

Complaint narrative:
XXXX XXXX Bank - {$490.00} open account sometime in XXXX / XX/XX/2021 some fraudulent opened the 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 2021-08-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
The XXXX  Credit Bureau is reporting inaccurate information on CITI ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.

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 2021-08-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. 

They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that XXXX Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. 

I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped XXXX points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. 

Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am currently awaiting funds to be awarded back to me from capital one bank USA from fraud claims and have provided the necessary information including police report to the company. After filing fraud claims I was notified that my bank would be ending banking relationship, and that was over XXXX months ago. Every time I go into the office I have issues with the customer service and they do not want to give me my funding. Furthermore each transaction was moved into a separate dispute process even though they were reported together and on the same report. This is a sluggish company with incompetence running thru its veins. I have {$500.00} in a bank that is no longer associated with me and I can not get my money out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: OneMain Finance Corporation
State: TN

Complaint narrative:
OneMain Financial shows my monthly payment of {$510.00} due every month ; however, a signed settlement was agreed with a new payment of {$380.00} to be paid each month starting on XX/XX/2020. Each month a payment is made in the amount of {$380.00}. It has been over a year and each month my credit report shows a past due balance because OneMain is still reporting the monthly payment {$510.00} is owed instead of {$380.00}. OneMain will not update their system and report it properly. I have spoken to numerous individuals at OneMain and no one gets back with me to resolve this issue. I have documentations to show the agreed monthly amount of {$380.00}. This has impacted my credit score for over a year now! I need help getting this fixed with OneMain and getting my credit report updated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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: EGL US, LLC
State: PA

Complaint narrative:
This just proves that XXXX Credit Bureau is lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Attached please find proof of payments from bank account of XXXX  XXXX XXXX. This account was never late. All payments were made every single month. Also, I am awaiting for my Affidavit of Truth to be answered, every Fact in the Affidavit needs to be answered.

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