vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
When I try to log into my USAA accounts I receive the following message : " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. '' I have been a USAA member since I enlisted in the military more than a decade ago. I was an intern at USAA for two summers as a college student and have always been proud to be a part of the company. I don't make any illegal transfers or even questionable purchases. I really have no idea what " past difficulties '' means. 

I've called them and spoke to half a dozen representatives and no one can tell me why I can not access my accounts. My military direct deposit goes into my USAA account. How am I expected to pay my bills for XX/XX/XXXX? 

I know this is some horrible mistake ( my name is fairly common and I could see a mistake happening ), but I am frustrated at the lack of transparency and progress. This ordeal will have adverse actions on my family 's financial situation. I truly hope this doesn't happen to more members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I filed a complaint XXXX against Quantum Collections and XXXX for refusing to remove a debt that was paid in full. With that complaint I attached two bank statements showing payments totaling {$70.00} but somehow CPFB missed to see these payments. When CFPB received the late answer from Quantum Collections they may had overlooked my bank statements. 
Im highlighting the information to make easy to see. 
Please carefully review the facts and you will see that XXXX XXXX XXXX accounting is wrong. 
As per XXXX  statement provided by Quantum I was responsible for {$70.00} that were paid in 3 payments as follow : XXXX XX/XX/XXXX {$20.00} Paid by debit card at the office on the day of service see XX/XX/XXXX statement - attached Payment posted on XX/XX/XXXX. 
Also, you will see that XXXX XXXX XXXX is not showing the {$20.00} co-payment received on XX/XX/XXXX on the statement they provided to Quantum Collections. Why not? 

** XX/XX/XXXX {$30.00} Paid by debit card at the office see XX/XX/XXXX statement Attached Payment posted XX/XX/XXXX. 
** XX/XX/XXXX {$20.00} Paid by debit card at the office See XX/XX/XXXX statement Attached Payment posted XX/XX/XXXX. 
The total amount paid by XX/XX/XXXX was {$70.00} way before Quantum Collection acquired the invalid debt from XXXX XXXX XXXX. There should no collection fees since debt was paid in full before Quantum Collections acquired the invalid debt. 
I always disputed this bill with XXXX XXXX XXXX because their accounting is wrong, but all got is we need to call the office to verify that you made the payments and they would never get back to me. XXXX XXXX XXXX billing office is located at a different location. 
After reviewing these documents, you will see that XXXX XXXX XXXX omitted a payment received on XX/XX/XXXX for the amount of {$20.00}, simple they sold a useless bill to Quantum Collections and Quantum Collections is playing the part of ignoring to the fact so that they can recover what they paid for this invalid debt. 
Dear CFPB please review all documents summited by both party and you will see that Quantum Collection billing is wrong and invalid. 
Simply, debt was paid in full.

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 2019-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I purchased a car loan from XXXX. I financed the car through Santander Consumer. 

I am now nearing the end of my loan due date or maturity date as of XX/XX/XXXX. I have owing still XXXX. I have no idea why this is. The car is only worth XXXX or so dollars. I've been trying to purchase another vehicle but to no avail because I'm upside down on my loan. 


I have since contacted Santander Consumer about this problem and they have told me I can keep the vehicle even after the maturity date but was told it would negatively effect my credit due to the loans maturity date and still owing. 


I was never told I would have a remaining balance owing at the end of my loan. And have wrecked credit due to them reporting me late until the car loan is paid in full even after the maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Kriya Capital, LLC
State: TX

Complaint narrative:
This company CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX added to my credit report a XXXX debt with XXXX on XXXX XXXX that debt was settled with XXXX more than 9 years ago. they added this item knowingly, just to hurt my report. 

Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
never had an contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, In XX/XX/2018 I received a call from Chase /Amazon credit card stating my credit card bill was 30 day late. Prior to the call I had called Amazon because I was worried I had not received a bill. I was directed to call Chase. I spoke to someone and they stated I would be receiving a bill in a few days. I had received a bill from amazon in the past when promotions would alert, if credit card used you will get back 5 % .other wise I would just pay with my dept card. I then logged into Chase websight for the first time to set up acct. to view for next time. I continued to wait for my bill, so I can set up direct bill pay with my bank. About two weeks I received a call from Chase bank stating my bill was now late. I stated I never received a bill. The employee stated I was set up paperless billing. I stated I didn't but according to the IT dep. at chase the web sight is auto checked when creating chase acct. It auto enters a check mark, if not un-checked you will not receive a bill. The chase bank caller was very understanding about the issue. I made the payment by phone and was also told that the late fee would be waved. I later logged back into chase websight and made sure check mark for paperless billing was un-checked. 3 mo. later I find out it was reported to XXXX as a 30 day late. I was never called or alerted that it was late, check marks on paperless billing should not be auto filled. Chase verified the calls and confirmed recorded conversation but refuses to remove the 30 day late. This is the only bad record in my credit report ever entered in my life. They have ruined my credit for a $ XXXX payment that I never received. I'm reaching out to you in hopes that this can be resolved and 30 day late can be removed from my credit report. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've been trying to change my address once for about 2 weeks. I contacted capone via chat and both times were useless. I contacting them via XXXX twice. Useless. I got a phone call from someone dating it was them who instead of addressing my issue tried to get personal information from me first. I refused and hang up. I filed a complaint with an executive. I got two emails from the office if the president that have not addressed my issue. I want my account closed. Confirmation sent to my address and removal from their marketing lists for all of capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 Bank of America allowed a person to present themselves to a branch teller and cash a check, made out to me, in the amount of XXXX. The bank claims that my debit card and PIN were used and considered by the bank as valid forms of ID. The bank claims that it is not their duty to ensure the legitimacy of the signature or the check itself simply because this person had my PIN. The banks position is that because I am the victim of identity theft that I am liable for their lack of security protocols. They claim that being a victim of theft makes me negligent! 

I discovered fraud on my account the night of XX/XX/19 and made a claim with the bank on the fraud on XX/XX/19 ; Claim # XXXX. I subsequently discovered, through my own investigation, that the check that was cashed was flagged as part of an ongoing fraud case with the City of XXXX XXXX, who allegedly, issued the fake check. That case number was released to me and I gave it to the bank to investigate further. I then met with XXXX XXXX at the his branch and he convinced me to continue to do business with the bank and that he would ensure my claim was properly handled. He got a credit issued to me and opened a new account with the bank, claiming it was the only way I could get my money back quickly. I complied and opened another account. 

The investigator never called me at any point to verify that I did not cash or authorize the cashing of a fake check. The check itself was not signed or endorsed by me and no one else is authorized to use my account to withdraw funds. The bank is now refusing to give me details of the investigation without law enforcement yet, when I contacted their legal department a woman named XXXX literally hung up on me. 

The bank has now denied the claim and stolen half my checking account and my entire savings claiming that the PIN is their defense to giving my money away to a stranger. This transaction was an error on the bank 's part and violated reasonableness standards in business practices. They have since refused to return the funds claiming all I can do is wait while they fake another " investigation ''. They also have video they are refusing to allow me to watch!! They have asked for further investigation after multiple complaints and are now processing another claim # XXXX and I provided an additional police report case # XXXX with XXXX XXXX police. Please help me get my money back from 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 monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
XX/XX/19 I transferred {$30.00} to a vendor to make a purchase. The vendor did not provide the item as discussed and blocked all communication. I reached out to XXXX to cancel, reverse and refund my transaction. I explain that the vendor was committing fraud via their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
I am trying to refinance my home mortgage for a better rate. Found this lender ( XXXX ) through XXXX website ( XXXX XXXX XXXX ). They dropped the ball hard. XXXX XXXX was our loan officer and after getting us into the refinancing process, he acted completely differently. The rate was locked on XX/XX/2019. I'll keep this brief but my experience echoes a lot of what other 1-star reviews out there on XXXX website say - he didn't answer the phone on time and called back late in the evening, he ignored emails, when he did respond via email it was with partial and obscure answers. There is almost no communication about the loan and I ended up sending email constantly for the status update. In the end, we missed our close date on XX/XX/2019 completely due to the circus that is XXXX and XXXX XXXX. I agreed to pay extra fees for rate lock extension penalty in order to keep the process moving. Then the lender missed the deadline again! Received the updated Loan estimate on XX/XX/2019 and they charged for even more of penalty. I refused to pay any further extra fees due to their incompetence. It definitely wasn't worth the headache or stress. They don't even know their own programs and asked for unreasonable requirement in the process just to hose me and slow things down so that they can collect extra fees. 

This is very frustrating and disappointing. This is definitely a scam to bring people into the process. They wait for the rates to go up and come back to charge you more using all sorts of excuses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE INVESTIGATE YOUR CREDIT REPORTING AND HAVE THE DEROGATORY MARK REMOVED OFF MY CREDIT FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.

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 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
Conns Appliances and furnishings, have called me REPEATEDLY since XX/XX/19, over 20 times all day everyday, while at work and when I'm off from about XXXX to XXXX or XXXX ... My payments are due ea. Month on the  XXXX ... I have paid on time for almost 2yrs. Straight ... wasn't able to pay on time this month ... and they have really been unprofessional and HOUND DOGS. TOTALLY HARRASSMENT AT ITS BEST ... I advices the conns rep on XX/XX/19.. I will make payment the last week in XX/XX/XXXX ... She demanded I set up a payment arrangement and {$25.00} late fee will added ... I will continue to pay my XXXX off.. But will Never GIVE CONNS MY BUSINESS AGAIN ... There is absolutely no reason To Harass a good paying customer this way ... When they are not accomplishing anything ... and TOO incompetent to leave a message ... Conns continues to call XXXX XXXX. Please Assist with POOR BUSINESS PRACTICE and incompetent personal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
TRANS UNION CREDIT REPORT is not accurate. 
It reported collection by XXXX XXXX. 
I am not aware any collections. I was customer of XXXX more that 10 years ago. 
I had a dispute with them. Collection report is false.

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 2019-05-29 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: GA

Complaint narrative:
I sent my documentation to Transunion they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this is my actual debt

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 2019-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I believe I, and Ditech Financing LLC may be victims of Escrow Fraud. Please see attachments ' for a detailed explanation of the event. You must start with the letter to XXXX ( Ditech Holdings ). This a time sensitive matter due to start in XX/XX/2019. The letter and attachments are self explanatory. If I were to write the communication into this box, it would be redundant. 

Thank you for your attention XXXX XXXX " I'm being robbed in slow motion '' ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AK

Complaint narrative:
XX/XX/2019- We are a senior couple. We purchased a home and closed on it a year ago with XXXX XXXX. 5 months ago the note was sold to Mr. Cooper. 
Although we make our home payments with escrow, these companies did not and are not paying the home insurance on time! 
This leaves our home uninsured and uncovered for risk. We live on the Gulf coast in a high rsk area. After the time has lapsed they have submitted insurance payment but we received virtually zero coverage for the alotted time. This happens because these mortgage lenders control the escrow money and it's dispursements. 
Basically it is robbery since we have never been reinbursed for time ( s ) our home was not covered due to their neglect. 

Mr. Cooper purchased our loan ( 5 ) months ago. They too held our money paid into escrow. we called and they told us we could NOT close our escrow with them and pay our insurance and taxes ourselves! Our insurance went into default with Mr. Cooper 's escrow! We had to pay an additional {$500.00} because of their neglect to pay ( while they withheld all our insurance money in their escrow! 
Our insurance agents date and time stamped requests for money went unanswered! 

Last year during Hurricane Micheal XXXX completely neglected to pay our FEMA flood insurance. Astonishingly they paid it LATE -on the very day that the hurricane had already PASSED our area. You guessed it, no refund and NO refund. XXXX had our insurance money in escrow at the time. We basically got zero coverage for the hurricane! But we Still HAD TO PAY and that was on time! 
It MUST BE NICE to charge people for insurance, and enjoy a virtually RISK FREE profit. 
We are quite upset that we have had to not only endure the risk but also pay the fines when they are Neglectful. 
Mr. Cooper has refused to close our escrow account. How can it be legal for them to FORCE us to use a service they are pretty bad at? Every time they pay our bills late in the escrow it costs them nothing and profits the insurance folks risk free bottom line-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TCF NATIONAL BANK
State: TX

Complaint narrative:
I WAS NOTIFIED BY A COUPLE OF CREDIT AGENCIES THAT TWO INQUIRIES WERE POSTED TO MY CREDIT REPORT. I CONTACTED THE FINANCE COMPANIES, XXXX XXXX XXXX XXXX/XXXX XXXX AND WAS TOLD THERE WERE OPEN ACCOUNTS. I'VE NEVER HEARD OF THESE COMPANIES OR APPLIED FOR CREDIT. ON XX/XX/2019 I RECEIVED A CALL FROM A XXXX XXXX FROM XXXX, PHONE NUMBER XXXX, EXTENSION XXXX. SHE INFORMED ME THAT A CLAIM WOULD BE FILED AGAINST ME REGARDING A LOAN THAT I RECEIVED FROM XXXX XXXX FOR {$2400.00}. I TOLD HER I'VE NEVER HEARD OF XXXX OR RECEIVED ANY MONIES FROM SUCH COMPANY. I TOLD XXXX I WAS A VICTIM OF IDENTITY FRAUD. SOME ONE USED MY NAME AND INFORMATION TO OBTAIN A LOAN. SHE STATED THAT SOMEONE KNOWS ME VERY WELL. I INFORMED HER THAT I HAD FILED A COMPLAINT WITH MY LOCAL POLICE DEPARTMENT REGARDING FRAUDULENT LOANS OBTAINED FROM PREVIOUS COMPANIES. I HAD SENT A COPY OF THE POLICE REPORT TO XXXX. 
PER XXXX XXXX THE SUSPECT WAS ABLE TO CASH THE CHECK AT TCF BANK WITH THE ACCOUNT NUMBER OF XXXX. I SPOKE WITH SEVERAL CLERKS AT TCF BANK REGARDING THIS ACCOUNT, XXXX, XXXX, XXXX AND XXXX AT XXXX. I TOLD THEM I WAS A VICTIM OF IDENTITY FRAUD AND TCF BANK ALLOWED THIS CHECK TO BE CASHED AT THE BANK. I WAS TOLD THAT I WOULD RECEIVED FORMS IN THE MAIL TO FILE WITH TCF BANK. AS OF TODAY, I HAVE NOT RECEIVED ANY DOCUMENTS. THE FRAUD TOOK PLACE WHILE RESIDING IN XXXX, WISCONSIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Calls.. already told them that that was included in my bankruptcy and gave them the bankruptcy case number and they kept on arguing back with me that I needed to pay them.. last call was today XX/XX/2019. Portafolio Recovery XXXX XXXX and XXXX XXXX. They are all showing on my credit report and lower my score from a XXXX to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR I AM NOT LIABLE FOR THOSE ACCOUNTS.

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 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
per attached PFD file It appears personal ID information was used to fraudulent obtain a credit at XXXX XXXX to make purchases. 
This account now transferred to Portfolio Recovery Associates as a debt collector

Company response to consumer: Closed with non-monetary relief