vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
35 years I had trust in USAA The financial advise all set up as a trusted relationship My ex was XXXX XXXX XXXX and back then USAA was trusted NOT TODAY USAA has been fined millions  Please answer USAA, Do fraud claims have claim numbers? Do disputes have claim # s Yes or No?

I have been told Disputes have claim # s fraud does not Please answer USAA, on the FRAUD claim letters attatched. with claim # XXXX IS THIS MY MEMBER NUMBER? Why do MY FRAUDS HAVE CLAIM NUMBERS? Why no resolve? 
Why do the letters decieve saying no further action is needed? PRETENDING TO MEMBERS A STRONG TRUST THEY MUST HAVE IN USAA TO PURSUE THIS FRAUD CLAIM USAA says NO FURTHER ACTION NEEDED BY MEMBER Then turns fraud into duspute. For a year and a half I was decieved into believing USAA WOULD RESOLVE FRAUD. This is an Antitrust Issue of ** NO TRUST. ( USAA NEVER RESOLVED ANY FRAUD I REPORTED AND REPORTED FRAUD I DID NOT REPORT TO CREATE CREDIT REVERSALS ) USAA IS EXTREEMLY DISHONEST FOR EXCESSIVE PROFITS USAA BOASTS IN ZERO FRAUD LIABILITY and they provide No Protection for Frauds LEAVING CONSUMERS WITH MORE FRAUD LIABILITY ALL MERCHANT CREDITS AND ALL ADJUSTMENT PURCHASES turn into New Purchases a year later ADDING MORE FRAUD TO ACCOUNT I DID NOT PURCHASE USAA has changed all my fraud I REPORT into disputes and put fraud investigation adjustments I DID NOT report fraud Because Merchant credited the account. Adjustment Purchases do not apply as Permanet credits however, USAA CAN CLAIM TWO CREDITS for a credit reversals Please answer USAA HOW CAN YOU PUT CREDIT REVERSAL/ NEW PURCHASES ON ACCOUNT WHEN USAA CLAIMS NO FRAUD EVER OCCURRED? 
Temporary credits/ Adjustment Purchases MUST BE MADE PERMANET TO APPLY USAA PROFITS FROM FRAUD with Credit Reversals Informing consumer NO FURTHER ACTION IS REQUIRED They never credit usaa credits to cover frauds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: DC

Complaint narrative:
Good morning, I am writing because my credit report is showing my credit history to be four months old. It does not show any past mortgage payments or home equity loan payments or accounts. Both are close now, but should be represented on my account for ten years. I have called repeatedly, only to be transferred from one associate to another, none of whom have spoken to each other, causing me to restart the process each time I have asked for a supervisor, with seemingly no greater knowledge or access to the information or remedy than the associate. This has caused me to be denied by creditors, despite them acknowledging my credit worthiness. Additional documents, and email correspondences to be forwarded at the convenience of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XX/XX/2019 I tried resolving a 30 day delinquency by refinancing my auto loan. Ally told me that their system would not accept payment, because the process for voluntary surrener had begun. Ally recorded each call each day, I was told and was well aware I was trying to resolve to keep my vehicle. Ally recommended surrender and paying the account off during the process, I did what Ally recommended voluntary surrender XX/XX/2019. Ally never contacted me once I voluntarily surrendered the vehicle, instead Ally sold the vehicle and instead of me having an opportunity to pay the vehicle off in full, now Ally states I owe Ally the difference. I do not owe the difference I was in contact with everyone including XXXX XXXX  XXXX XXXX who informed me Ally sold the vehicle I surrendered. When contacting Ally, Ally told me though I have received every piece of correspondence from them, something must have happened to the information mailed to me on in XX/XX/XXXX that would have given me opportunity to own my vehicle. Now, Ally aggressively try to collect on their mistake. I told Ally I am XXXX and would not lie about the process they had me in nor would I lie about the fact that I never received their correspondence, even though I am home everyday for the mail. Ally Rep just kept repeating the same information

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 2020-01-31 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: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
WAKEFIELD AND ASSOCIATES FTC VIOLATONS SENT OVER 45 DAYS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I put a credit alert/freeze on my credit report due to fraudulent creation of a credit card by XXXX XXXX XXXX XXXX XXXX under the umbrella of XXXX XXXX. Due to XXXX 's unethical behavior, I sought to replace multiple XXXX cards with different credit card companies. One of the companies I applied to was Chase. Without explanation, and without any specific information on the alleged credit information used to deny access, Chase claimed they could not verify personal information. I never received a phone call, and in attempting to speak to them, calling directly from my home, got the runaround. 

I have perfect credit, and therefore, should not be denied without basis. It is my understanding, that by law, the credit card was provide the exact reason for denial, particularly if it was based on the credit report. 

This did not happen. Thus, I am denied credit with a perfect credit rating, simply because I put a credit alert on my credit report. This could have been cleared up with a phone call which was never made. Reference # on the correspondence is XXXX. Chase Card Services, XXXX XXXX XXXX, XXXX, DE XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Please note, this is a re-contact for XXXX. There is a credit card showing up on my report for JC Penney and is not mine. I am requesting deletion of this account, I have just come from XXXX and have no idea who this account is or how I am associated with this. If you would like me to file a report with the XXXX, do advise me.

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 2020-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I'm a co-signer on a student loan account with Wells Fargo Bank, N.A. but do not have any other relationships with Wells Fargo. The student loan is not yet up for repayment as the student is still attending school. 
Earlier this week, I received a " XX/XX/2019- 1099 - INT, INTEREST INCOME '' statement from Wells Fargo reflecting my social security number, a checking account number and {$760.00} of interest income on that account in XX/XX/2019. I do NOT have a checking account with Wells Fargo. I called the Student Loan Customer Service at Wells Fargo on Wed, XX/XX/XXXX to report this issue. After being on the phone for close to an hour, the Wells Fargo agent confirmed that the 1099 statement was an error on their part since they could not find a checking account under my social security number. I then asked them to send me a corrected statement to show no interest income so that I don't have to report this as interest income when I file my XX/XX/2019 tax return. In response, I was told that would not be necessary and that Wells Fargo Executive Office will contact me via phone in the next 24 hours. It has now been 2 days and nobody has contacted me!

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 2020-01-31 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: TX

Complaint narrative:
WAKEFIELD AND ASSOCIATES FTC VIOLATONS SENT OVER 45 DAYS AGO

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 2020-01-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX FTC VIOLATONS SENT OVER 45 DAYS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
ARS Account Resolution has submitted a negative account for publishing on my credit report. ARS Account Resolution is not licensed to collect in my state. They have failed to validate the debt as requested in writing. ARS Account Resolution was mailed a debt validation letter on XX/XX/2019 to which no response has been received.

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 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
XX/XX/XXXX and everyday since this day I am receiving calls from Credence Resource Management in Michigan about an debt that didn't belong to me that has already been disputed with another collection company back in XX/XX/XXXX for the same creditor ( XXXX  ) for {$5300.00} I informed them that this debt was due to identity theft and I thought this was resolved back in XXXX XXXX XXXX. I also informed them that I had a complaint filed with CFBP for this creditor with another company and it was resolved. they for one are calling me on a sunday which i believe they have no right to do also they informed me that they will not be filing a dispute on my behalf and that i can settle for XXXX and pay them XXXX a month until this is paid. I am a victim of identity theft and I will not be paying for any debt that doesn't belong to me. I also asked them to provide documentation to show proof of my signature they weren't willing to do that. I have already filed a complaint about this debt and I will need to get this cleared up immediately. I informed Credence Resource Management that I was going to file a complaint against them form consistent calling and not willing to file a dispute on my behalf. XXXX was the supervisor that I spoke to on several occasions about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Motolease, LLC
State: NV

Complaint narrative:
Purchased motorcycle on XX/XX/16. Motorcycle was stolen and damaged XX/XX/16. XXXX XXXX justice court # XXXX. Case is still in litigation. The suspect convicted of grand larceny auto is the person solely responsible for debt owed on this damaged motorcycle. This company is unwilling to listen and understand the situation. I dont believe I am responsible to clean up after some trash who has yet to be reprimanded for his crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Subject - Complaint about recent Home loan application and discriminatory experience I am writing this letter about my complaint to Chase Home Lending Department related to my recent interaction with Chase Home Lending team. I would appreciate if someone can review this situation and respond to me as I feel this as discrimination based on my immigration status. I have never had this kind of experience from any other major bank or even Chase before. I have been Chase customer for a long time and never expected such behavior from Chase when it comes to one of most important decision in my life of buying a new home. 
About a month back, I was in market to purchase my first new home. On XX/XX/2019, I contacted Chase for getting initial quote for mortgage. They were able to get all details, work with me for couple of days on quote and when it came to finalizing application, they backed out saying they can not take my application because I am on a XXXX. This is exactly what bank agent told me on phone on XX/XX/2019. I was shocked by this decision and asked if they saw anything odd with my application. Chase representative on phone talked to someone ( may be his supervisor ) and said they will not take my application for mortgage due to XXXX. I have never experienced such discriminatory behavior in my last 13-14 years in USA. I work on XXXX XXXX and have been in USA for about past 14 years. I have best credit score, good employment history, enough income and had past relationship with Chase. I am just not sure if this is new Chase policy and how this will take them to being top player in this 21st century. I immediately took my business elsewhere and recently closed on my first house with one of other major bank. I did inquire with couple of banks on such policy of not giving loans to long term immigrants with XXXX XXXX and no one has any such policy. I even checked in my friend circle at work and no one has heard of this and were shocked with my experience with Chase. Not sure where Chase is moving with such discriminatory policies. 
I am just very sad to experience this with Chase of which I was thinking very highly until few days back. We do want to hear back and see the response on behalf of hardworking immigration community in USA. First home is always emotional subject and unfortunately, I do not have good memories for Chase with it in my books.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: IL

Complaint narrative:
XXXX XXXX XXXX so called debt {$420.00} filed police and ftc report # 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 2020-01-31 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: IL

Complaint narrative:
XXXX XXXX XXXX so called debt {$420.00} filed police and ftc report # 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 2020-01-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: LA

Complaint narrative:
I contacted Lending Point on XXXX XXXX, XXXX XXXX and XXXX XXXX requesting them to comply with Louisiana law that limits creditor interest rates for XXXX XXXX service members in Louisiana ( LA RS 29:312 ). I provided the portion of the law ( the piece of paper ) that shows the law and requested to have an interest rate reduction and Lending Point denied to comply with Louisiana law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: LA

Complaint narrative:
Equifax is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: LA

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: LA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation