vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I was scammed. I did receive a call stating that they were for a financial institution and they were offering financial rewards. They accessed my account and deposit fraudulent checks, and then made me pay more than XXXX $ back in order to get my rewards. USAA froze my husband 's account because I am an authorized signature making him failed in our home, car payments. USAA took from my husband XXXX from his account when this situation was due to scam. All my husband 's income goes in there. My husband has been contacting them several times since XX/XX/2019, and they do not want to unfreeze his account. Also, they failed to provide us the proof with all notes of the fraud analyst in why the made the decision to made me responsible for all scam charges. we have been contacted the bank several times and they are failing in provide case number and letter in how they based the decision. I am requesting that my husband 's account be unfrozen in order for to him make his payment of our children 's roof. If they don't do we will lose our children 's house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is in regards to my American Express Bonvoy Credit Card ; On my XXXX statement I was informed that my interest rate increased for all future purchases from 16.74 % to 22.24 %. I am a customer in good standing with on time payment history. 

The reason given on my statement is as follows : " Your new APRs are no higher than the rate you would receive if you apply for the same or similar American Express Card today, based on your FICO score. '' On XX/XX/19 I called customer service to inquire as to how to dispute or reverse this decision. Their response was ; " you can only dispute your credit score, you can not dispute the credit increase. '' I asked what the criteria was that my credit score was being judged against since this information was not included on my statement. The customer service rep had to transfer me to her supervisor. That supervisor told me that my credit score had to be XXXX to not be impacted. Since XXXX is a perfect credit score I can imagine that this new practice was impacting 99.97 % of current card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group
State: TX

Complaint narrative:
I have received this email regarding my student loan. I have been paying Arete Financial Group $ XXXX   monthly. 
This is the email : Lawsuit Federal Trade Commission v. American Financial Support Services Inc., et al. 

***Do not REPLY to this email. If you have questions, send them to XXXX. 

You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Federal Trade Commission for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 

We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.gov/myDirectLoan/additionalInformation.action. 

The Receivers office has set up a webpage with additional information about the lawsuit. XXXX XXXX XXXX. We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver receives many emails with questions from consumers. We can not respond to each inquiry separately, but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer The Companies which have been sued : XXXX XXXX XXXX XXXX XXXX ; Arete Financial Group, also doing business as Arete Financial Freedom ; Arete Financial Group LLC ; XXXX XXXX XXXX, also doing business as XXXX ; XXXX  XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX , formerly known as XXXX XXXX XXXX XXXX XXXX and also doing business as XXXX XXXX XXXX and XXXX ; XXXX XXXX  XXXX XXXX , XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mortgage Research Center, LLC
State: KY

Complaint narrative:
To whom it may Concern, Before i retired from the XXXX, back in XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : Veterans United Home Loans to start my first home buying process. Veterans United home loans ran my credit through the following Company. On XX/XX/XXXX. I contacted XXXX XXXX XXXX in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call XXXX XXXX XXXX back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * XXXX  Credit Bureau * Veterans United Home Loan XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX   XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX XXXX XXXX Chapter XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Experian regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over XXXX years old, please remove it. Also, the information where it claims the original Bankruptcy was in XXXX is also inaccurate, it was filed with an attorney, though later changed, in XXXX. 

Also, there is personal informations appearing on my credit report which are not true and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses as they have NOTHING to do with me and are compromising my integrity. I have no association with these names or addresses. Please delete the following as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca

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 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Livingston Financial, LLC
State: OR

Complaint narrative:
OnXX/XX/XXXX HR through my employer notify me that there was a writ of garnishment placed against me, I quickly asked for more information and was sent a package via email. I called the number listed on the packet and spoke to a lady at Livingston Financial LLC ; I asked the following questions and got the following responses. Q : what is this for? A : credit card Q : when was this account open? A:XXXX and last payment was made on XXXX. Q : can I get verification signatures, who made the last payment? can we trace that information and was told no information was available ; that they could not provide any information as they didn't have it. I went to the court house and filled a challenge of garnishment and the court date was set forXX/XX/XXXXat XXXX XXXX. I showed up at court and explained to Judge XXXX that this was not me and I provided my credit report, Judge XXXX asked the clerk if Livingston was present and the clerk said no the Judge then asked the clerk when they were served and the clerk said on the XXXX of XXXX. The Judge asked if they had been served in XXXX and the clerk said no they were served on the address on the garnishment in Utah. The Judge at that point apologized and then said the hearing would be set for another day. I told the Judge I had already been garnished and I couldnt afford to be garnished, they weren't there and they were served. I was told the garnishment would be stopped until next hearing. Please help me I have tried calling Livingston and they wont give me any information. I feel as XXXX County Court House has treated me unfair due to the fact that I was present they weren't I had proof that its not me and its not on my credit report and the Judge was not willing to hear me out. Its hard being a citizen of color and not being heard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: STERLING BANCORP
State: MO

Complaint narrative:
My husband spoke by phone with XXXX XXXX who was supposedly with Sterling Banking XXXX on XX/XX/19 about opening a {$250000.00} CD with him because they had such high interest rates ( 3 %. ) He emailed us the forms we needed to fill out and fax or email back to him. I filled out the forms because we were approaching the deadline for the 3 % rate. We had a couple of questions about the form so I called the number on the form he gave us and I got the message that the number was not valid. I thought the form was old so I looked up a current number online. I was on hold 25 minutes and while waiting, I noticed the bank was mostly located on the east coast : NY, PA, etc. The first question I asked the rep was if the fax number on the forms was correct since the phone number was wrong. He told me their forms were all filled out ONLINE, not on paper. There was nothing faxed back. I asked for the correct web address for their bank and he gave me XXXX. We then started checking : First, XXXX XXXX 's website is not " secure. '' Second, his email is XXXX  and is " international. : Third, his " bank '' is located in California. We almost sent him all of our personal information and {$250000.00} of my dad 's retirement money. He seemed so legit on the phone. Scary!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: OH

Complaint narrative:
Business has not taken the debt off all three of my credit reports. There was proof provided due to identity theft and I'm still seeing it 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 explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ocassionally I want to remove a security freeze on my equifax account but everytime I have tried to log into my equifax account I am not able to. I can not reset my password, no message ever reaches my inbox, and therefore I have to call. I have called 3 times this year already, and twice today, spending more than one hour. When I could not answer a question about a car loan I paid off years ago, I was told that my identity could not be verified and that so sorry, no one can help me. 
Security breaches happen all the time, meaning security is not that good, yet I am kept from accessing my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm incurring a monthly Recurring charge on my Capital One cc. The first charge was on XX/XX/2019. I called Capital One and they sent me a new card. The charge still occurred again on the XX/XX/XXXX, the charge occurred again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, During this period of time my credit card was changed 2-3 times, we spoke to XXXX and XXXX as the charge shown is from XXXX XXXX XXXX, a service I do not have. Both XXXX and XXXX confirmed I am not subscribed to XXXX XXXX  hence I should not be getting charged. I've told the credit card company on numerous occasions over the phone to put a stop payment on XXXX from charging me but they refuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, I am extremely dissatisfied on the lack of support, investigation, and safety by Wellsfargo Bank. I was defrauded out of {$2500.00} by an individual claiming to be a property manager and requiring a security deposit. I bought a Cashiers Check from Wells Fargo for the amount of {$2500.00} and deposited to the persons account. When I discovered that it was a bank fraud & their was never a property or managment, I immediately contacted Wellsfargo Bank both in person and via telephone to cancel the cashiers check. Wellsfargo notified me that the cashiers check was already deposited and they couldn't cancel it. To add insult to injury, they notified me that they wouldn't be able to refund my {$2500.00}.

I have been a Wells Fargo customer since 1997 and I am extremely dissappointed that they failed in providing a safe environment for their customer. I am prepared to take legal action against the bank for creating an easy platform for criminals to continue targeting victims with no hindrance. Wellsfargo and other banks have created a loose banking system that allows customers to get defrauded. 

Name used by criminal : XXXX XXXX Phone numbers used by criminal : ( XXXX ) XXXX, XXXX XXXX XXXX Email used : 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 2019-12-17 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: CA

Complaint narrative:
I have already tried reaching out to Experian about this issue but they refuse to verify this account or delete it. I have express to them multiple times that this XXXX  XXXX XXXX account does not belong to me. I have provided documentation to Experian showing this account doesn't belong to me. Also the account claims to have a billing address that i have never lived at as you will see on my credit report. Also I have a letter from Equifax showing the account couldn't be verified seeing as though I have never lived at the address the company is reporting. Seeing as though Experian is still reporting this account I can only assume they are just reporting the account because they are getting paid to do so, because I have provided more than enough documentation to show this account does not belong to me. Meanwhile, Experian has not provided anything showing this account is mine. Furthermore, I will have no choice but to present this information to the FCRA, and other state and federal courts if Experian still refuse to delete this account. The last thing i want to do is get the courts involved, but I will if i have to.

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 2019-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Infinity Home Lending
State: FL

Complaint narrative:
applied with XXXX XXXX for a home refi. Paid the appraisal fee with credit card ending in XXXX ; dated XX/XX/2019. 
We decided to change lender a short time later. New Lender Infinity Home Lending charged another appraisal fee on closing. This was financed. 
XXXX XXXX is the appraisal company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I discovered that one of my Payees was deleted on XX/XX/2019 at XXXX as told to me from a Bank of America bill pay  representative today XX/XX/XXXX at XXXX. I advised the rep that I received no confirmation whatsoever telling me that I deleted anything. He told me that Bank of America does not send out confirmation when a Payee is deleted. I told him that at I received a Bill Pay reminder at XXXX to pay XX/XX/XXXX on XX/XX/XXXX. so it would be highly unlikely that I would go into the system and delete an entity I had setup to pay every month going forward well in advance until next year. The representative could not prove that I did the deletion. It wasn't but a few months prior did I courteously contact Bank of America ( XX/XX/2019 ) regarding problems with Payee issues only to rudely be told that they don't have system issues by the representative today. He also said in some form " anything that happens in Bill pay happens from or by the User. ''

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 2019-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have 16 accounts on my report related to student loans but Im XXXX years old and Ive never been to college or attended any courses. I believe my information was used by someone that knows me. 8 accounts are showing outstanding balances and 8 accounts are showing paid in full. I have no knowledge of these accounts and did not give permission for my information to be used.

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