vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Last XXXX my Wayfair store card was converted into a Master Card without my authorization. I only just found the card and realized what was done. How can a company take out a Master Card in my name without my authorization? I was told by Supervisor XXXX, Badge # XXXX, that a letter was sent out but I did not receive one and even if I did, the company still should not have taken a Master Card out without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: NY

Complaint narrative:
Around XX/XX/XXXX I requested the closure and distribution of IRA CD Account Number XXXX.The amount distributed was {$12.00} less than the balance of the account on XX/XX/XXXX. I was not notified about the reduction and reason. The deduction was for excess payment of interest in XXXX & XXXX. 
Upon research I learned due to system problems the interest posted every month in XXXX and XXXX was incorrect, therefore the yearly detailed statements I received for XXXX & XXXX are incorrect. I am entitled to correct accurate statements for XXXX & XXXX and requesting a detailed statement for both years showing the interest each month. The statements I received for both years are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA XXXX XXXX # XXXX ( XXXX {$1100.00} ) HAS PUT A DUPLICATE FRAUDULENT ACCOUNT ON MY CREDIT REPORT 5 TIMES ACCOUNT DOESN'T BELONG TO ME. ALSO XXXX XXXX XXXX ( XXXX XXXX, ACCT # XXXX ( XXXX {$360.00} ) I NEVER OPENED AN ACCOUNT WITH XXXX THIS ALSO IS A FRUADULENT UTILITY ACCOUNT. 
THE INQUIRY DATED XX/XX/2021 FROM XXXX XXXX XXXX IS A FRUADULENT ATTEMPT TO APLLY FOR A LOAN I NEVER GAVE ANYONE OR XXXX XXXX XXXX  PERMISSION TO APPLY FOR A LOAN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
I started a fha streamline refinance with XXXX XXXX @ Amerisave Mortgage on XX/XX/20. I was told the process time would be 30-45 days to close & probably within 2 weeks as this would be a streamline refinance. I was asked to pay a upfront application fee of {$500.00} & to have my homeowners policy put them as lienholder before they could process. The initial disclosures amount was incorrect & I informed XXXX & three more times disclosures sent to me were still inaccurate. I never received corrected disclosures. I was also asked to provide mortgage payoff amount & clear title to my property. Which their underwriters & title company should be doing this as they are charging in closing cost for this service. I did get the information & sent it to them. I was continually asked to send in documentation repeatedly already sent in. 
I spoke to XXXX XXXX ( manager ) & advised him I was unhappy with the continual delays & repeated request for documentation they already have. 
After 6 weeks of nothing moving forward I advised XXXX XXXX XXXX that I wanted to cancel & wanted my {$500.00} refunded to me. I was informed on XX/XX/XXXX that the refund was initiated & I should received back to my card within 5-7 business days. I still have not received the refund & have emailed XXXX a few more times about this & getting no reply now. I did received a email from Amerisave after I cancelled stating they denied my loan instead of them checking the box on their form that I cancelled. Very unscrupulous company. I've seen several complaints about Amerisave on websites after I initiated my application whereas everyone is going thru the same thing & more. 
I would never recommend them to anyone as they take your money & string you along with false promises & now mortgage rates are going up. Alot of wasted time & aggravation for so many people. 
I want my {$500.00} refunded to me so I can move on to a more reputable lender. 
I also have every email between myself & Amerisave to prove all I am saying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: EQUIFAX, INC.
State: VI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
MY EQUIFAX CREDIT REPORT & SCORE HAS NOT BEEN UPDATED SINCE XXXX  OF LAST YEAR!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax/XXXX, 15 USC 1681c Requirements relating to information contained in consumer reports ... 

A. Information EXCLUDED from consumer reports. ( B ) no consumer reporting agency may make any consumer report containing any of the following information : 1. Cases under Title 11 of the States Code or Bankruptcy act that, from the date of adjudication ( filing ), as the case may be, ante date the report more than 10yrs .... 

Remove the Chapter XXXX bankruptcy ... Fair Credit Report Act has giving direction in this matter. Youre never to report this information ... 

Equifax/XXXX, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Equifax/XXXX, please remove the Chapter XXXX bankruptcy, all accounts and inquiries..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Recovery Solutions is report my account as past due to all 3 credit reporting agencies and this account is already PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
I entered into a lease with XXXX XXXX XXXX on XX/XX/2020 and due to maintenance issues with the property I had to terminated the lease less than 2 months into the lease agreement. I paid the amount due of XXXX which is attached. I also included a copy of the money orders indicating payment. I requested a copy of the money orders and asked property management to write paid in full on the copy of the money orders. The reason for the request is because they stated they will send me a copy of the receipt in the mail. I wanted proof that the account was paid prior to leaving due to the numerous issues I had with misrepresentation while being a resident. A couple of weeks later on XX/XX/2020, I received a call that I owed an additonal {$780.00} dollars. I provided proof of payments and the statement I received. They stated it must have been an error in the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: AZ

Complaint narrative:
In XXXX I opened a checking account with Social Finance ( Sofi ). 

I noticed they gave me the welcome bonus twice of {$50.00}. A week later the erroneous {$50.00} was withdrawn and I was left with a balance of {$50.00}. 

In XXXX I went to file my taxes with the 1099-INT and noticed it stated that I had received {$100.00} in income as a welcome bonus and not {$50.00}. I contacted Sofi in XX/XX/XXXX and they agreed to send a corrected 1099-INT form that would arrive in 5-7 business days. It's now been a month and there has not been a corrected 1099-INT form issued. I will now have to file either an amended return after the deadline and write a corrected number on Schedule C line 21. 

This is pretty infuriating they made this error and didn't solve the problem by sending an amended 1099-INT form. I have contacted them twice now and support doesn't know what to do. I now have a higher chance to be audited over this silly error and no one at XXXX XXXX is willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet student loan XXXX is reporting 90 days late on my XXXX and XXXX report under 2 different loans. XXXX reports 90 days late for XX/XX/XXXX only ( month XXXX only has 31 days ) for both loans. XXXX is reporting both Nelnet loans 90 days late for XX/XX/XXXX only ( XXXX only has 30 days ). Nelnet student loan clearly reporting inaccurately on both credit reports. 1. XXXX XX/XX/XXXX both loans 90 days for XX/XX/XXXX only.2. XXXX reporting both loans 90 days late only for XX/XX/XXXX. So the month 90 days late reports different on both credit reports and for only 1 month cant have 90 days late. Both loans never late want updated to paid as agreed. This is causing severe extreme hardship on me. 
I have sent both credit bureaus dispute letters starting on :XXXX came back verified. Sent another Dispute letters out on XX/XX/XXXX came back verified. Send another dispute letters to both credit bureaus XX/XX/XXXX came back verified on XXXX and XXXX report, XXXX XXXX removed it. Send another dispute letters to the credit bureau on XX/XX/XXXX. I got no response started Disputing online with the Credit bureaus XX/XX/XXXX, XXXX, XX/XX/XXXX. XXXX refuses to re-investigate since XXXX XXXX. Just opened another dispute with XXXX for this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inaccurate credit information on my credit and the failure of Experian to positively post an accurate report has hurt my ability to obtain credit. 
Under the CARES Act, passed by Congress, I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full.. Moreover, because of the mistakes on my credit report, I have been wrongfully denied credit recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX caught fire while I was driving and was completely destroyed. I immediately contacted my insurance company ( XXXX XXXX ), the dealership ( XXXX XXXX XXXX, XXXX XXXX Mi ) and US Bank, the lease holder. At every step, the dealership and US Bank said I had gap coverage, so any remaining balance after the the insurance company paid US Bank, would be zeroed out. They stated that all leases have gap insurance. The vehicle was totaled- I never saw or drove the vehicle again after XX/XX/XXXX ( It was on the news, I have attached the news article ). 

On XX/XX/XXXX US Bank charged my checking account the monthly bill ( {$480.00} and change ). I continued to contact US Bank and they told me it would " all be taken care of, gap insurance will cover it ). On XX/XX/XXXX, US Bank confirmed they received a check for over {$41000.00} from XXXX XXXX on my behalf. After this date, US Bank told me I did not have gap insurance. I filed complaints with US Bank and they never returned my calls. Last week, I contacted US Bank and told them I was contacting an attorney if they did not resolve this. They then said that they received/cashed the check on XX/XX/XXXX, but offered no explanation why it took 5 weeks to process once they received it. I was told it could take another 5 weeks to process the total loss claim and close out my account. I was told they would void any late fees I was charged and not to worry about making any further payments. 

On Saturday, XX/XX/XXXX, I received a letter from US Banks saying they had sent my account to a collection agency. I want my account resolved, closed and a refund issued to me for the payment I made in XXXX after my vehicle was destroyed. I also want this cleared from my credit report and the collection agency case closed. 

XXXX XXXX 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 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
In may original loan, the payment I make a month includes the HOA fee ( I have attached a copy of this ). BSI is aware that they must pay taxes, the insurance plus the HOA fee ( I have enclosed a copy of the letter they sent to me acknowledging this ). However, I get a threatening letter from an attorney 's office representing the HOA stating that they will pursue a judgment against me for non-payment. I have been calling BSI since XX/XX/XXXX about this. Everyone I talk always claim they know nothing about this and would forward my grievance to a " supervisor, '' who does not have a name and can not ever be reach or return phone calls. BSI claimed they sent out a payment on XX/XX/XXXX, which the HOA say they never got. BSI sent ( if they sent anything at all ) to some random POBox instead of the one assigned to the HOA. They wanted me to send them the correct information in which I did ( Please see a copy of the email I sent to them ). BSI claim they never got it even though I sent it to them to the email ( XXXX ) they wanted. No one at BSI is working at any urgency to send the HOA fees to the correct place or seem to be concerned that I may get a judgment against me for money that is debited ( ACH ) out of my account each month like clockwork on the XXXX of each month. BSI 's game is that every time I call, to deny that they know anything about it, have me continuously explain the situation for eternity as NO ONE will do anything about it. BSI would much rather keep giving me the run-around and wait for the next " customer rep '' to also make the false promises that they will " expedite '' the matter to their superiors, who do nothing. If they are not paying my HOA as it part of the escrow, then what are they doing with my money? I don't understand how I can call almost everyday since XX/XX/XXXX, and nothing gets accomplished. I believe BSI is participating in fraud or just plain crooks as they taking my money and doing other things with it.rather than what they are supposed to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I have a collection on my credit from XXXX for {$120.00} that should not be there. I believe its a hospital bill. Far as my understanding that violates HIPPA laws and working in XXXX I know that their is no one else other than the hospital that should know why I was in the hospital and/or how much I owed without my consent especially considering I did not receive letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: MO

Complaint narrative:
I sent a letter to XXXX  and Transunion on XX/XX/XXXX but that is like my 4th-5th letter that was sent to them about these inquiries on my report.. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted XXXX/Transunion on multiple occasions through phone and letters. The original creditor sent notice to XXXX  about this being removed from my report because I never authorized this. but it still remains on the report. Also, these accounts are unverifiable, invalidated, inaccurate, and 100 % false. If anything is reporting 100 % inaccurately it must be removed. How can you say these inquiries are verified as true and they are fraud but XXXX  sent a letter saying the inquiries were verified. Apparently they are not doing your job the right way. XXXX XXXX XXXX was deleted from my XXXX  Account because of these reasons. This inaccurate and fraud information. Both creditors were contacted and they told me they dont send letters out to consumers, they communicate with the Bureaus to inform them of whats going on. I was told by both creditors that they in fact contacted XXXX to let them know that this was fraud and should be removed. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have asked the bureaus to remove incorrect addresses that don't belong to me through the mail but they don't ever respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
After a sell on XXXX my funds were held in paypal pending documentation/id verification. I submitted all the exact, legal and valid documentation required just to have a permanent restriction placed on my account, which makes it impossible for me to access my money for 180 days. It seems illegal to hold my money. I called paypal and sent emails to figure out why my money was being held or why the limitation had been set after complying with all requests. No one has been able to give me any sort of reason. I don't want the account back at this point.. I just want access to MY MONEY! There is {$330.00} being held for a purse that has been sold and no longer in my possession so paypal has committed theft as far as im concerned. Transaction ID XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation