vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-20 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:
After reviewing my credit report ongoing .. There 's a collection  XXXX   XXXX   XXXX   XXXX .. A Balance of {$5000.00} ... Opening date  XXXX   XXXX , 2016.. That 's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it 's showing as if the collection is new.. And it 's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. An d all have done  so except Equifax ... I have not lived at this address or apartment complex ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it 's Fraudualant..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently moved from XXXX FL to XXXX FL. I submitted an application to XXXX XXXX to roll my 401K into an IRA account. I then updated my address to reflect my current location. Apparently, the address change caused XXXX XXXX to freeze my account for 15 days, advising that I could not take any actions on my account until XX/XX/2017. I called and asked what I needed to verify in order to process my rollover, but they refused to accept any verification. If they are going to take such drastic measures with customer accounts, at the very least there should be a way for customers to unfreeze their accounts over the phone. Also, when changing my address online, I should have received a notification BEFORE submitting my change request stating that the change would cause my account to freeze for 15 days.

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 2017-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
It began when my mortgage company paid my taxes out of my checking account instead of escrow (   XXXX   ) ( {$1300.00}. ). My account was on autopay so I thought that this amount was my monthly payment for   XXXX   XXXX    . When I received a late payment notice, I then had to come up with   XXXX   XXXX    payment and late fees. Pd.  XXXX . Offsetting  XXXX  and  XXXX  payments. I remained in contact with  XXXX   XXXX  @  Standard  Mortgage to make payment arrangements. On  XXXX   XXXX , I left a recorded voicemail stating that I wanted to make   XXXX   XXXX   payment that day, but would call back on Friday to make partial payment arrangements for  XXXX  until I could catch up. Ms.  XXXX  put both payments through  XXXX  and   XXXX   totaling {$3200.00} within 72 hours. Being  XXXX   XXXX  here in  XXXX   XXXX , banks are closed and I did not realize she had done this without my authorization. I was {$400.00} negative in the bank before the weekend ended. When I realized it I called her, only to be yelled at. She stated that she took my voicemail as authorization of full payments. I told her that to listen to the voicemail again and she refused. She will take no responsibility for this and will not help me resolve  it.This h as caused me to sink into much deeper financial distress and accrue well over {$2000.00} in NSF fees alone, at my bank. This is unrecoverable!   Now, I wrecked my car and have no second income anymore. But, because my credit is ruined, I can not get another car. Therefore, no second income. On my   XXXX   XXXX   XXXX    salary only, I can not afford to keep this house. My water, phone, cable, etc. have all been turned off. I have to use the neighbor 's hose to fill my toilets in order to flush them once a day. Standard Mortgage is going to be foreclosing on me soon.   Ms.  XXXX  's decision to put the second full payment through,  WITHOUT AUTHORIZATION,  had destroyed me and my family. Is there any way that this can be resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
On   XXXX   XXXX  2017  I was approved for the new  USAA  "  Limitless ''  rewards credit card. USAA 's website promotes the card as earning 2.5 % cashback and says about the card " Enjoy unlimited cash back on the amount you can earn. '' They clearly named the card  Limitless  and indicated that it offers unlimited cash back.     On   XXXX   XXXX    2017  USAA closed my Limitless credit card as well as my older Visa rewards card with them.  USAA  also provided notice that they would close my checking and savings accounts with them in 30 days on   XXXX   XXXX  2017   .     The letter informing me of the closure of my  USA  A Limitless  card said that it was closed due to " unacceptable behavior or activity, '' but did not elaborate, nor would the phone rep I spoke to on   XXXX   XXXX   , 2017  when the  Limitless  card was declined when attempting to make a purchase with it.     I am left to conclude that this " unacceptable behavior or activity '' is that I charged too much to the credit card between the date it was opened and the date USAA closed my account since there was no other significant account activity with my other USAA accounts during that period. I am frustrated with this result and hope that USAA will reconsider their decision and reopen my accounts with them. Having been a customer for over a decade I had previously been very satisfied with USAA and am disappointed that they appear to be misleading members in how they 're choosing to promote their new credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
This Collection age ncy Company Cavalry Port h as failed to provide proper verification of the account they brought from  XXXX   XXXX   XXXX . This company has not and could not provide information like documents bearing  my signature that I owe ( {$540.00} ) to them or to any company. I want signed  documentations from this company saying that I owe the amount they are trying to collect. I have written letters  to Cavalry Port about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Cavalry Port. Dont matter the original creditor have the same account number as the   collection agency.  XXXX  and  Cavalry Port different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different com panies on my credit report which neither provided proof of documentation bearing my signature stating that I ow e ( {$540.00} ) the n all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing  my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NJ

Complaint narrative:
I had previously submitted a complaint under " CFPB  Case Number  :   XXXX   ''.   In response to my complaint,  SunWest  Mortgage  Company  stated " Th e appraiser has  mentioned in the appraisal report that the subject property was recently renovated ( in the year    2013  ). The subject property had new roof, new vinyl siding, new kitchen, new bathrooms, new laminate flooring throughout, new furnace and new hot water heater. This indicated that the subject property was in like new condition. ".   The truth, however, is that : the roof was not new, the vinyl siding was not new, the furnace was not new, and the hot water heater was not new.   I would like to hear from the Bank, as the Bank seeks a response from the Appraisal company they had hired.   Based on what assurance did they affirm that : the roof, the vinyl siding, the furnace, and the hot water heater were new?   This information led the Bank 's underwriters to believe that the property had been recently renovated. This is no laughing matter, but it almost can serve as a joke when we talk about the furnace and hot water heater. These a very, very old.   Why did the  appraiser say they were new? Did the seller provide the appraiser with receipts of newly purchased and installed furnace and water heater, or the appraiser  simply assumed they were new?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I made a mistake with my  XXXX   XXXX  taxes for  XXXX , and  the county allo wed me to fix the mistake. Upon the mistake being corrected,  the county i ssued a check for the amount of {$830.00} for over-payment of taxes from escrow. This check was dated   XXXX   and cashed on   XXXX   with the check number  XXXX . The check was mailed to  Loan Care  at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX   XXXX  in  XXXX , Fl.     I have contacted  Loan Care  multiple times to have either a refund distributed to myself,  the county , or my mortgage holder. Everytime  I  contact them, they attempt to locate an account which does not seem to exist. I am not in their system. My wife is not in their system. My address is not in their system.     How can a check be deposited into an account without being allocated to the appropriate party? How is there not a record of deposits on   XXXX   that can be looked at in order to locate how the check was allocated within their system?     I have been told a manager will contact me back. This did not happen. I have been told to collect more information from  the county . This has not aided.

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 2017-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted application on   XX/XX/XXXX to XXXX XXXX a home mortgage consultant, I informed her of recent purchase of a home XXXX and I was seeking a loan for a home remodeling project.  I indicated that I was a customer with Wells Fargo for over 25 years and had several active accounts.    
XXXX XXXX that I met their criteria and we discussed a XXXX  loan.  She indicated that I need to provide the following items:
	Two pay stubs from my wife XX/XX/XXXX & XX/XX/XXXX tax returns
	Mortgage statements on all properties owned
	Home owner insurance
	Pension statements
	Social Security award letters
 These items requested via a letter dated XX/XX/XXXX This was followed by request via the phone, a letter covering my wifes gap in employment, the requested copies of rental roles on all income property, they requested documentation on property sold in XX/XX/XXXX, as well closing statement on property sold XX/XX/XXXX, prior to purchase current home. 
Later the following items were requested:
	Year to date pay stubs for all jobs 2 years of XXXX forms for XX/XX/XXXX-XX/XX/XXXX Year tax returns, personal with all schedules for XX/XX/XXXX-XX/XX/XXXX (XXXX,XXXX,XXXX,XXXX and XXXX Mortgage note, good faith estimate or truth and lending showing the rate of primary and rental purchase
	YEAR TO DATE BUSINESS PROFIT/LOSS STATEMENT GOOD THROUGH XX/XX/XXXX
	 MORTGAGE NOTE, GOOD FAITH ESTIMATE, OR TRUTH IN LENDING SHOWING THE RATE ON THE PRIMARY AND RENTAL PROPERTY ARE FIXED RATES COPY OF THE HUD1 SETTLEMENT STATEMENT FROM THE RECENT PURCHASE OR REFINANCE OR SALE OF A PROPERTY
	 PROPERTY TAX STATEMENT FOR ALL PROPERTIES
	XXXX FORM SIGNED BY ALL BORROWERS PLACE A X IN BOX XXXX, PLACE A X IN THE ATTESTMENT AT THE BOTTOM, PROVIDE ALL SS#S, LEAVE LINE XXXX BLANK
	 LIST OF HOME IMPROVEMENTS) NEED A BRIEF LIST OF HOME IMPROVEMENTS.  HAS ANY IMPROVEMENTS ALREADY STARTED OR ARE WE WAITING FOR THE FUNDS?
	 BORROWERS CERTIFICATION

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 2017-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I was supposed to receive a credit for the account assure being charged on my victoria secret card and to date have not received anything. I 've been paying for this service since before  XXXX     2016. T here is no answer when you call the phone number they provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
This Collection agency Company  XXXX   XXXX  has failed to provide proper verification of the accou nt they brought from Walmart/ Synchrony Bank/Walmart.  This company has not and could not provide in formation like documents bearing my signature that I owe ( {$540.00} )  to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  XXXX   XXXX  about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company  XXXX   XXXX . Dont matter the original creditor have the same account number as the collection a gency. Synchrony and   XXXX   XXXX  different companies have on my credit report. I feel they are trying to be smart by having the same account number unde r two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then al l files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature  for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA

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 2017-05-20 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I applied for my barclay gold card actt ending in  XXXX  in  XXXX     2016. I  was informed that since I was an  XXXX   XXXX  military member all fees associated with my account would be waived and given 0 % interest till the end of my  XXXX   XXXX  commitment. In  XXXX   2016 Bar clay changed there policy and announced that these benifits would now only apply to those that had the card open prior to joining the military. This was a change from there original policy open to all those in the military regardless of the card was opened prior or after joining as long as the member was still on active orders. After I saw this change I their policy I called  Barclay and asked if i would be effected. I was told no since I had opened my account prior to the new policy that I would be grandfathered and my benifits would continue till the end of my service. I then just recently revived a new notification from Barclay  informing me that they would not be honoring the policy and that since I applied to the card after joinig I would now have to pay all fees associated with the card. I contacted barclay and asked what was going on they informed me that this was a change in policy and they could not do anything about it. I asked about being told before that I would be grandfathered as I applied prior to the new policy. They told me that I was being grandfathered but only for the fees of the year I joined and that would be it. I told them that when I first signed up I was given a letter that these benifits would continue till the end of my  XXXX   XXXX  service. At this point they just said sorry you can close your account if you want their is nothing we can do. I find this to be disturbing as the policy only changed after the fact and I did not recieve a notification in  XX/XX/XXXX  letting me know. I had to inquire to be told I would not be effected. Just to be told later on that I am now on the hook regardless of the original agreement.

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 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian.com did not properly inform me that I was subscribing to their {$21.00} monthly membership. I checked my credit report for {$1.00}, as advertised, and before I knew it, I had been signed up to this service without my consent. I knew because my bank account had been charged. I was charged on  XXXX   XXXX   2017 . I tried getting a refund as soon as I realized I was charged but I was told it was impossible because I apparently had agreed to this charge.

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 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I just recently started monitoring my credit when I noticed that  Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these amounts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Around the end of   XXXX   they kept calling me for federal loan forgiveness! They asked for {$200.00} to proceed the paper work! Right around the time  Naveint bra nched from  XXXX   XXXX ! The took my money and put my account in forbanch for 2 months and then said I do n't quilify and went to paying the same! They steered me to federal forgiveness said I qualified took my money then told me it wo n't work I make to much at the time I was unemployed because I got back to work they said I can no longer do it!

Company response to consumer: Closed with explanation