vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
1st issue : My account became linked with a third party, someone named XXXX XXXX whom I do not know nor requested, in XX/XX/2021. Problem was resolved but without explanation of how it occurred or reassurances of account security. 
2nd issue : My account suddenly became " locked '' without notice due to what I was told were " federal regulations '' requiring me to prove my physical address. I was unable to use or access my account in any way. I was asked to send in a copy of a recent credit card statement as well as my ID, which I did. I faxed the documents and rep claimed they were too blurry to read. So I mailed them. They were received on XX/XX/2021 and I was told that I would regain account access upon review. I then received an email on XX/XX/XXXX stating that my review for identity verification was complete and all was well, however I have still not been able to log into my account. I called again today to clear the matter up and was told their records showed that I have been a member for 14 years, which I have not. I only just opened the account in XX/XX/2021. Then I was told that there was no record of my checking or savings account, so no monies in the account could be returned to me. I was asked if I thought my account could have been hacked. I would not know from their end if that is the case. No other identity theft has occurred in any other of my accounts. Clearly USAA is not safegurading my saftey as a customer. I have requested that the accounts I had with USAA be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
As of XX/XX/2021 my father passed of XXXX XXXX while visiting XXXX. I am the executor for his annuity account and all of his financial affairs. I contacted Wells Fargo Bank on or about XX/XX/2021 to have the funds from his annuity account disbursed to his surviving children. I have filled out forms, faxed paperwork, met with personal bankers, etc. I was told that the funds would be disbursed to me by XX/XX/2021. After dozens of phone calls, multiple appointments Wells Fargo informed me that on XX/XX/2021 they had sent the paperwork to the liquidation department aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that the funds would be processed and disbursed with 10-15 days. This was the fourth or fifth time that Wells Fargo promised a disbursement to no avail. Within two weeks I followed up with Wells Fargo who said I was missing paperwork. I have scanned and sent them a report of death from a foreign country ( issued by the U.S. State Department ), paper from the court assigning me as executor, and a permanent visa. They are now asking for airline tickets, passport, an obituary, and a questionnaire that needs to be completed XXXX XXXX XXXX. They didnt send the questionnaire, they are unwilling to accept the documents that I have sent them multiple times and almost 120 days after beginning this process I have not yet received this disbursement for myself and my siblings. The documents that were sent to them both via fax and email- have been accepted by OPM ( Office of Personnel Management for federal employees ) the Social Security data system, the military system since my father was a veteran. They are still claiming these are not legal documents as well.

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 2021-09-13 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
These accounts are erroneous. I do not recall said accounts and have made steps to try and get this issue repaired by all reporters. I have a right to fair credit reporting and to dispute anything that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CA

Complaint narrative:
Equifax credit report shows a 30 day past due on XX/XX/XXXX. I filed a dispute with Equifax and also contacted XXXX XXXX XXXX. XXXX XXXX XXXX replied to Equifax that the payment history/prior reporting is accurate. 

I called XXXX XXXXXXXX XXXX 3x to get an account history. They could not locate the account even with full account number because it was " archived ''. I finally was able to get a copy of the last statement on this account which is dated XX/XX/XXXX. The statement shows the account paid in full and closed. This is affecting my credit score. The account was paid off in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CT

Complaint narrative:
This company is Equifax and I have disputed 7 times 1. XX/XX/XXXX # XXXX ; 2. XX/XX/XXXX # XXXX ; 3. XX/XX/XXXX # XXXX ; 4. XX/XX/XXXX # XXXX ; 5. XX/XX/XXXX # XXXX and 6. XXXX ; 7. XX/XX/XXXX # XXXX XXXX XXXX account and they still have not corrected the incorrect information. At one point they added a " repossession that never existed which dropped my credit score 60 points and lost my ability to get a mortgage. I have sent dispute letters and documentation to have them remove this account from my credit reports because it is negatively effecting my credit report. They have to either remove it from my credit report or DO NOT SHOW any late payments and paid as agreed. This account has been closed and was never repossessed. The first late payment was on XX/XX/XXXX and is over 7 years old. Per law The original delinquency is the one that starts the clock. That means the entire sequence should disappear seven years from the first date the payment was late. Which is XX/XX/XXXX. This is over 7 years and I have ask over 7 disputes to please remove and stop reporting all late payments. It should reports paid as agreed no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2021, I opened a new Citi XXXX Checking account over the phone with Citibank phone banker ( his name is XXXX ). When this account was opened, a promotional offer was applied and the offer code is XXXX. Based on this offer, if I deposit {$50000.00} new money into my Citi XXXX checking account within 30 days and also maintain this balance for 60 days, I will receive {$700.00} bonus in my Citi checking account. 

On XX/XX/2021, I already deposited {$50000.00} new money into my Citi XXXX checking account. This {$50000.00} balance has been maintained in my Citi checking account since then for more than even 90 days. However, so far I still have NOT received the {$700.00} bonus yet. 

I reported this issue to Citi XXXX XXXX XXXX. However, their representative assigned to my case made an unacceptable mistake. The offer terms & conditions say that the eligible customer must not have been an owner or signer of a Citibank consumer checking account within the last 180 calendar days. My only pre-existing account with Citibank is a Citibank XXXX XXXX account, which is NOT a checking account at all. However, Citi representative made such intolerable mistake by viewing my pre-existing Savings account as a pre-existing Checking account in order to remove my offer eligibility. 

This mistake is unethical and totally unacceptable. I request Citibank to immediately correct their own error and mistake regarding my offer eligibility and immediately post the {$700.00} qualified bonus to my Citi XXXX Checking account right away without any further delay.

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Original loan in XXXX, conforming fixed with 20 % down National City Mortgage Bank Refinanced in XXXX for lower rate ( Loan amount {$370000.00} ) Same lender XXXX or thereabout National City acquired by PNC Bank XXXX I lost job during great recession. 
XXXX I used up my savings to pay mortgage. 
XXXX Applied for hardship relief. Was given huge run around for approx. 15 months. 
XXXX was offered a modification that added my arrearage to the principal balance and Increased my payment. I had no choice but to accept. 
XXXX another unemployment, and another modification request. More runaround. 
XXXX a better modification. This one lowered the principal amount to $ XXXX, but added $ XXXX as a no interest balloon payment at the end of the loan in XXXX. 
XXXX I requested multiple times to have a breakdown of what was included in the $ XXXX. Was never able to get an answer until XX/XX/XXXX. As expected, the amount is made up of unpaid interest, taxes, Insurance, penalties and late fees and whatever junk fees accumulated during the periods of delinquency. 
I should probably point out that PNC subjected me to every mistreatment you ever heard happens during a modification, including, but not limited to : excess wait times on the phone, clueless customer service agents, multiple harassment phone calls, tons of threatening letters, endless requests for documents, empty promises of modifications agreements in the mail, auction notices, etc. I had many sleepless nights as a result of their incompetence/unwillingness to work with me. 
They are now claiming that the $ XXXX is legitimate. However their documentation is so poorly laid out that it is hard to determine. Also, an interest free balloon payment isnt what President Obama had in mind when he passed XXXX. 
Additionally, I am now XXXX XXXX XXXX and collecting Social Security. I was working until the pandemic. Now I am on XXXX. As is my wife. We have $ XXXX left of the mortgage, which we have been keeping current for the past 5 years. We are just trying to get relief from the $ XXXX balloon payment due in XXXX, when I will be XXXX XXXX XXXX! 
XXXX - I hired an attorney to look into this issue. He wrote a letter to PNC, suggesting that $ XXXX would be a fair and reasonable adjustment. The Customer Service department responded ( not the legal department ) that no adjustment was warranted. As part of their justification, they mentioned that we had been the beneficiary of some {$25000.00} from the XXXX XXXX XXXX XXXX, which is true, but had absolutely nothing to do with PNC, other than that they were the recipient of all the payments! 
My attorney decided that PNC would never be cooperative, and said that he did not want to accept any more money from me in what he felt would be a waste of time. He recommended CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experians fraud dispute department today : XXXX, XXXX 2021, on or around XXXX XXXX  PDT. 

I spoke to a fraud agent by the name of XXXX located in XXXX XXXX. After providing my personally identifiable information, she immediately told me to hold without asking if she could put me on hold. Also, she did not explain why I was being placed on hold. 

This is an improper hold procedure. The agent has to get permission from the consumer. In addition, XXXX did not refresh the call. 

After a long hold time, she took me off hold and disconnected the phone and hung up on me. In addition, I did not get a phone call back.

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 2021-09-13 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: R & B Corporation of Virginia
State: NC

Complaint narrative:
A previous claim was open in regards to a negative mark on my credit that i was supposed to be protected as I was represented by an attorney at the time of the bill, the credit company hit my credit monthly from XXXX until I filed my last CFPB complaint. They have been charging interest & re- charging this debt as new debt since the date it first hit my credit. I finally got confirmation they are removing it, however I am wondering why in my last complaint they stated they were going to speak with my attorney & according to my attorney never did, & it wasn't until I called today that they agreed to remove It. As a consumer protected under the FDCPA & FTC fair debt collection process this company has failed to respond to my several times of trying to resolve this, and was sent a letter of protection from the attorney, but was originally notified in 2020 I was protected by an attorney for this bill from the paralegal that first held my case. Why was interest charged and according to my credit report you can see how it was impoperly billed and not corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: WA

Complaint narrative:
I financed my car through Volkswagen credit in XXXX in XXXX County Georgia. I am XXXX XXXX military and when I attempted to register my Vehicle in Texas ( new duty station ) I was told I needed a copy of my title. 

I contacted Volkswagen credit in XXXX requesting a copy of my title for registration. They told me that the title was a digital copy and would take 20 business days to process. I called back on the XXXX ( XXXX ) business day for an update. They told me that there was a hold on my account in Georgia that needed to be removed and that it would now take another 20 business days to receive the title. I called again on the XXXX business ( XXXX ) for an update. They stated that they had not requested the title to be sent yet and it would take another 20 business days. I called again on the XXXX business day ( XXXX ) and still no one has any idea where the title is. I confirmed with the Georgia DMV that they sent it to Volkswagen credit XXXX XX/XX/XXXX. I have called VW credit every week since asking for an update and am either hung up on, told they will call me back ( they never do ), or asked to give them more time. 

Additionally, as previously stated I am XXXX XXXX military and just XXXX XXXX from XXXX  to XXXX  State. I was told I can not close out my travel voucher ( est. {$4000.00} in reimbursement ) until I am able to register my car ( which has been unregistered for months now ). 

Bottom line, I just need help. I have waited 4 months and spent at least 16 hours on the phone to get a copy of this title ... all just to register my vehicle. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Select Management Resources, LLC
State: MN

Complaint narrative:
I took out a title loan with LoanMax in XXXX WI. My payment was 7 days past due and I had previously spoken to one of their Representatives ( last week ) about the fact my payment was going to be late. I received a call from them XX/XX/XXXX at XXXX. from their number XXXX and was on another call so I was unable to answer. Within 5 minutes I received a text from my son in CA whom I had put down as a reference when taking out the loan that he had just received a call from a XXXX about my car and they are looking for me. No more than his text came in and my other son whom I also put down as a reference ( they required 4 references and my boss 's name and phone number as part of the application ) and he stated the same thing that someone is trying to get a hold of me about my car.

I find this collection practice extremely predatory and intimidating as it is designed to embarrass you if you are a miniscule late with your payment or not immediately available to answer their phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i am making this complaint solely on my own. 

on XX/XX/2021 i sent out a dispute letter to experian. asking them to remove items from my report because i didnt give them written permission to allow the items to be on my report. i based my facts in the letter on the law o.c.g.a. 15 usc 1681a ( d ) ( 2 ) ( B ). when i didnt hear back from them by XX/XX/2021, i then called experian and the girl on the phone said she didnt know about the laws so she cant remove items off my credit report. so on XX/XX/2021, i had an affidavit of truth written, signed, and notarized and i mailed it to experian. along with the original letter i wrote and evidence. i have still have not heard back from experian, not by phone, and not by mail. it has been over two months since i originally reached out to experian concerning my credit file and credit report. from my understanding if they do not respond back in 30 days then the items must be removed from my credit file immediately. also from my understanding of the government law the items that are on my report should not have been on there in the first place. please help me to get a response from experian credit reporting agency. thank you cfpb

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 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
On XX/XX/21 I was involved in a scam via Zelle in which I lost {$2000.00}. I filed a claim with my bank through which the transaction was performed on XX/XX/21. I received written documentation on XX/XX/21 that they denied my claim and suggest I contact the scammer and ask them to return my money. I contacted my bank on XX/XX/21 and was told it would take a lot of time and effort to track where my money ended up and there was nothing they could do for me. I don't feel like my bank is doing their due diligence to investigate this and is not acting on my best interest.

Company response to consumer: Closed with explanation