vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Since XX/XX/XXXX USAA / XXXX been tacking on unwarranted late fees to my mortgage principal. There have been thirty two such late fees and USAA has used principal only payments to pay for the supposed late fees. The problem with the late fees is i have never made a late payment -- USAA receives an electronic payment from my XXXX XXXX XXXX account for {$1200.00} on the first of each month -- USAA applies late fees after theXXXX of the month. I have spent many hours on the phone trying to get this problem corrected without success. 
Today, XX/XX/XXXX, i happened to noticed a {$62.00} late fee added to my upcoming XX/XX/XXXX payment of $ XXXX that's a late fee on a payment yet to be made. I called USAA and spoke to a supervisor, Ms. XXXX XXXX and she immediately removed the {$62.00} fee. Ms. XXXX provided her direct phone number : XXXX. A Mr. XXXX XXXX responded to a XXXX complaint ( complaint number XXXX ) i made but has not contacted me as promised. Mr. XXXX did not provide his title nor any contact information. I have had two homeowners policies and two auto policies plus the mortgage loan simultaneously with USAA and pay on time and in full. I consider these late fee to be fraudulent and wonder how many other vets this is happening too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX and Merchant and Professionals collection agency are in violation of HIPPA violations. XXXX has shared details about my procedure and history with Merchant and professionals. Not just the Cost of services or date of procedure, but an in detail of procedure and why i had a procedure done. This is a blatant disregard of the HIPPA laws protecting me from this. In addition to this Merchant and Professionals has continued to harass me over this debt  with threaten phone calls and pretending to be attorneys to sue me. That is false representation. I demand that Merchant and professionals delete their information from my credit report ASAP due to HIPPA violation laws, if this is not done within 30 days from this complaint i will be forced to take further action which XXXXay cause monetary damages to XXXX XXXX and Merchant and professionals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: GA

Complaint narrative:
Experian and XXXX  are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit 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 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
The debt collection company called me during the first week of XXXX about a debt that was originally from XXXX University. I contacted The University for more information on the debt on my account. I was told that if you dont pay in a certain amounts of months they will sale the debt to a debt collector. I had no idea I had debt in that amount because it is inaccurate. The amount on the bill is not accurate because I applied for financial aid that semester and everything processed but the school scammed me and emailed me fake Award Letter. I contacted to school to for more information but the school is giving me false accusations so insisted on taking legal actions. Now the debt collector has been calling me & harassing me to pay debt that is not the accurate amount. They called me on XX/XX/XXXX at XXXX then XX/XX/XXXX at XXXX, and also on the today at XXXX. The amount on the debt is XXXX and the arrangement plan was for {$50.00} a month. However I have to make a dispute because the amount is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX -Loan Amount {$420.00},XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX- Loan Amount {$0.00} XX/XX/2020# 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX $ was posted to my account from XXXX XXXX. After that time it was posted I had {$1.00} left in my Bank of America account. On XX/XX/XXXX I got an NSF for XXXX , the representative told me I didnt have enough funds in my account to cover another transaction that came out AFTER the XXXX  XXXX payment posted. On XX/XX/XXXX my {$200.00} payment to XXXX XXXX was returned. I called Bank of America 3 times and every time I called I got a different explanation. It was never the same. I called back the 4th time and made a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: WV

Complaint narrative:
I purchased an XXXX form Apple.com in XXXX. I signed up for the Apple Credit Card ( Goldman Sachs ) It was supposed to be interest free for 24 months. Goldman Sachs started charging me interest in XXXX ( the first full month I had the card ). I contacted them and they told me it was not set up as interest free. The representative said they would refer it to manager to see if they could switch it over to interest free. I waited a week and never heard anything. I contacted Goldman Sachs again through text. A supervisor asked me to give them a moment to review my account. That was two days ago. I have stilled not heard anything. I contacted Apple and I was told it was supposed to be interest free from the beginning. They transferred me to Goldman Sachs and there is a two hour wait time. They have already stolen {$30.00} from me and now I supposed to wait two hours to talk to someone that refuses to help me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXXXXXX Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXXLoan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX -Loan Amount {$420.00},XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX- Loan Amount {$0.00}XX/XX/2020 # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00}XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries. I have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020. # 2. XXXX XXXX- Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX- Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX - Loan Amount {$0.00}XX/XX/2020. # 5. XXXX XXXX XXXX XXXX  -Loan Amount {$0.00}XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I asked for payment suspension assistance from Wells Fargo. They said not to worry about it and they would not withdraw the payments. They Continue to withdraw the payments for 2 months. I called them and they " don't know why '' they payments continue to come out. I am overdrawn in my account because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/2020, I contacted TD bank to advise them of an issue I was having with XXXX XXXX XXXX. I had been overcharged by XXXX and was due a refund. I initially tried to work the issue out with XXXX and XXXX told me they issued the refund on their end and my bank should have received the funds back. I advised XXXX that my bank had not received the funds back and when I asked for details about the refund it was brought to my attention that XXXX refunded money to a card not associated with me or my rental in any way. I contacted TD and told them about XXXX XXXX error and made a debit card claim. I received a provisional credit and was sent a letter asking me to explain what happened in detail. I responded before the due date with a very detailed explanation of the situation, names of managers who I had spoken with, and also noted in the letter that I still had not received the refund. Towards the end of XXXX, i get a letter in the mail from TD stating no error occurred, this is not a satisfactory ruling. I believe that based on TDs ruling the dispute department did not do their due diligence in investigating my claim. Customer service at XXXX would have been able to provide TD with enough information for them to see my claim was valid. TD dispute department took the maximum amount of time possible to work my claim and then ruled inappropriately and took back the provisional credit which put my account into a negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I recently submitted a claim about Transworld trying to collect a debt from me that I do not owe and knew nothing about. The case was closed without a response from me. The information Transworld showed to CFPB is the same information I have already received. My complaint with them is that they are not investigating my dispute but instead saying that I owe. I also reached out to XXXX to receive information but they said because this alleged bill is old and the information has been archived. I am asking Transworld what I for do they have of mines to say that this is my bill. They can not give me any information of when was this account established and how was it open. What information was submitted to establish service. A deed or lease? I dont want to be responsible for something that dont belong to me. I will also provide information on where I live at during this service date according to the invoice they are providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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:
XXXX and TransUnion are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit 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 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
First I started with XXXX XXXX XXXX then it was sold to XXXX and then it was sold to XXXX andfinally to Cornerstone home Lending Inc and I have beeen to bankruptcy court numerous times due to the fact that they are saying that they were not recieving payment but they were I have proven this also in court They are holding payment from years ago and then they are applying them I was also told by them that they are recieving partial payments in which they are not and I honestly believe and can also prove that my home has been paid off numerous times I also have payment history that I will provide Ihave also check with XXXX XXXX XXXX and it shows that you will never pay off your home if they have I want people to know that they do not have to be afraid to stand up for with is right and fight for their home and they are charging me home inspecting fees twice a month for what when I ask them they do not know

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: MI

Complaint narrative:
I was contacted in mid XXXX from a place called Mediation Recovery ( MRC ) out of XXXX, Il. They claimed I owed a debt to " XXXX XXXX Hospital. '' I said that there is no place by this name I am aware of and I need more information. They said they are sending it via mail. The letter I received from them was dated XX/XX/13 and named the creditor as " XXXX XXXX. '' Again I called to find out who this creditor is, as I have never heard of " XXXX XXXX. '' They told me they would look into it and call me back with that information. 
I received no follow up call until XX/XX/XXXX, and again they insisted the creditor is " XXXX XXXX. '' I asked for verification of this creditor including name and address. They told me they could not provide this. I then insisted again and was provided the phone number of a community service organization that is not operating and that was not a medical facility. I called back to get more information and was told they would not be able to give me information about the creditor. 
I checked all three of my credit reports for this debt and found nothing on my report regarding a debt owed to XXXX XXXX or from MRC. I did find that in XXXX, MRC had viewed my credit report. I called back to MRC to find out who to direct my lawyer to at their company and they told me " we will get them to the correct department if they call. '' They continued to decline to provide the department or any further information for my lawyer. 
I made a complaint on XXXX  and found on consumerfinance.gov that they are supposed to give me specific information about the creditor. I called back again and asked for that information. This time they were rude and yelled at me that I had " disputed this debt and it was closed '' and that I should know that. 

Several complaints on XXXX  sound similar to mine, and it seems as though this company is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit 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 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc.
State: FL

Complaint narrative:
When we saw their TV add I called and was assigned a representative aproximatel0y XX/XX/2020, a Mr. XXXX XXXX.. After several calls back and forth he said he required certain disclosures and told me to email them to his private email address ( XXXX ), which I did. At some point he then referred me to his assistant XXXX XXXX collect " missing '' copies of what I sent. I sent them everything they requested including a " required '' {$450.00}. for an appraisal of my home. We complied. 

Three months later they claimed they were missing most of the documents I sent. XXXX then turned over the collection of my documents to Ms. XXXX witch I did. The final straw was and email form Ms. XXXX saying she lost my documents and Mr. XXXX stopped communicating with me. 

I emailed him back saying I was going to file a grievance with my crdit card company for a reversal if the {$450.00}. which I did. Now the credit card company reversed the charge, then reinstated it. I Believe we were duped by their incompetence and SOFI 's persecution of the collection of my {$450.00}. 

Our request was only for between $ XXXX..and {$100000.00}. on our home appraised at {$350000.00}.

Company response to consumer: Closed with monetary relief