vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have been a USAA Bank Card holder for several years and I have always made my payments on time, however, there were times as a single mother with XXXX children that I was forced to make payments late. 


There are 4 late payments as follows ; XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late Every time I knew I was unable to make payments on time I contacted USAA and told them I was going to be late on my payments, I was told for all the above dates that I would be placed in a payment deferment program for 90 days and that my credit would not be affected, I found this NOT to be true. 
Last year I viewed my credit report and discovered that the above payments were NOT deferred but rather reported as derogatory and have destroyed my credit. 
For over a year I have contacted USAA via phone and wrote letters trying to get these items removed from my credit report and, I was told on several occasions they would be removed and yet still they remain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC
State: CT

Complaint narrative:
I called XXXX  because I was concerned after pulling consumer credit report and disappointed my payments not being reported to credit bureaus. " Account manager '' gave me misleading information lied about reporting my payments to credit bureau every month. I followed up with credit bureaus opened dispute because they have NOT received any reporting from XXXX  since XXXX..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or around XX/XX/XXXX of 2021 I pulled my credit report to get an update on my current standing. On the report showed 2 accounts that were unverifiable by myself. I proceeded to write to the lending institutions to request " DEBT VALIDATION '' specifically and not debt verification. I did not receive said validation in their response to me. I then went ahead and filed a dispute letter with all 3 credit bureaus about these accounts and stated in the letter that whatever conclusion they come to i would like written proof of their investigations and findings. All 3 credit bureaus sent me a letter saying the debt had been verified along with a copy of my credit report, but no proof of how it was verified. I have written them several more times since then and they have repeatedly have given me the same response regardless of the fact that i have been demanding proof of validation of said debts. I believe that all 3 bureaus ( XXXX, Equifax & XXXX  ) are all in violation of FCRA statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: WA

Complaint narrative:
CFBP Complaint Committee : Three years ago, XXXX, I signed a legal document with Aspire Servicing Center since I was very behind on my payments giving them permission to obtain their funds in any way they wanted if I failed to not make payments again. Since then I have made regularly payments but they have been reporting my credit as accounts closed, in collections, and past due. There is nothing in the document I signed that gave them permission to misreport my credit. I have spoken with them numerous times and they refuse to stop. My loan will be paid off in 6 months, XX/XX/XXXX, and they have told me that they are going to keep these inaccuracies on my report stating that I have been in collections and past due every month for all this time. 

I filed a request for this to be corrected with XXXX  twice and they have not done so. They say they are reporting what Aspire is telling them is true and will not listen to me when I tell them it is incorrect. My XXXX XXXX score keeps changing from XXXX to XXXX as I file these requests with XXXX It was XXXX and then it went down to XXXX because XXXX  stated that Aspire was reporting past due amounts. I filed the requests informing them that I have not made a past due payment in years and they replied that Aspire said they are reporting correctly and left it misreported. I then hired XXXX XXXX XXXX XXXX to help me and we filed and looked at my reports together. We sent letters requesting them to correct my information. My score went back up to XXXX for a couple of months and then back down to XXXX and there it remains today. 

XXXX  is incorrectly computing my score and evaluating my credit. Aspire Servicing Center is misreporting my on time payments as past due and stating my account is closed and in collections when it is not. I want my Aspire accounts to reflect that they are not past due. I also believe that they should not be reflected as closed and in collections. Mostly, as I pay off the Aspire student loans I want all my accounts to show as being paid on time for as long as they have been and not have to start from closed XXXX accounts with past due, in collections inaccurate reports that will reflect negatively and impact my credit for 7 years. I have experienced apartment rental rejections because of these accounts not showing correctly. I have been making on time payments for years and my credit should be reported as such. 

Thank you.

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 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
At this time TransUnion has denied me the ability to TIMELY dispute an erroneous inquiry reported to them by XXXX, and they have posted the erroneous report so as to cause damage to my public record. Every effort to submit a dispute through TransUnion 's website was to no avail, they have it RIGGED! Also, take note that TransUnion never sends a Code to my email. And even worse, their webpage blatantly denies one the opportunity to 'start a dispute '!!! See the attachments.

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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I recently refinanced my mortgage which was purchased by Amerihome. My first payment was due XX/XX/XXXX, which I paid on time. I have paid on time every month since. The checks have cleared my bank and have been accepted by Amerihome. Their website shows they have have received the payments ( screenshot enclosed ). However, to date there is {$11000.00} " suspended '' by the company and not being applied to my mortgage. I have since fallen into collections for a mistake made by them that no one can explain or is willing to fix. I have made more than a dozen phone calls and have waited hours on hold but no one can or will fix this problem. I have been told several times by many customer service reps that it would be taken care of " in three days '', but that has not happened. I have been waiting for a supervisor to call me back, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
BBVA Bank had bought out Simple Bank and has been contacting Simple users about the impending transition from Simple to BBVA for several months in XXXX and XXXX. 
On XX/XX/XXXX, Simple had closed its doors and ex-Simple users received an email from BBVA with a link to activate their accounts. However, when attempting to activate the new account via the provided link, users were met with " System Errors '' and could not access the new BBVA account. When attempting to call customer service, calls were randomly dropped or never answered.

BBVA came out with a statement stating that they would open their service center to assist Simple users on Sunday XX/XX/XXXX. When the lines opened that Sunday, users were met with prerecorded prompts, where someone would pretend to be a service agent for BBVA, then immediately state " Sorry, I can not hear you. Please call back '' and disconnect the call. Those who were able to get through had to wait over an hour for a representative to help them get into their accounts. 

On Monday XX/XX/XXXX, users still experienced issues with randomly getting locked out of their accounts. Users were prompted to call the service number to access the accounts again. When calling the service number this time, a prompt stating " Sorry, we are currently experiencing difficulties. Please call at a later time. XXXX. '' and the call would be automatically disconnected. 

Users were informed that during this transition from Simple to BBVA, no banking information would be changed. However, when users were able to access their accounts, they found that routing numbers did change. Users were also never informed about the myriad of fees associated with BBVA - there is a fee for calling more than 5 times a month regarding your account, and there is a fee for every transaction made with an external bank or account. According to support representatives, BBVA will not waive any fees for users who are attempting to empty their accounts and close them.

BBVA needs to be held accountable for withholding finances for more than 3 days, for completely botching a transition that was planned for well over a year in advance, for their inability to provide service to their customers, for their inability to deal with the volume of customers, and ESPECIALLY for blatantly lying to their customers with fake customer service agent recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I put a down payment on my Chase Visa at the end of XXXX for a garage we are having built. It did not appear on my statement until XXXX when we were going to pay that full amount. The XXXX statement had a {$82.00} charge referred to as a purchase charge. In my communication with Chase Visa they state since the charge came to them n XX/XX/XXXX they can do that. It said nowhere on the statement that this had to be payed by a certain date to avoid any charge. They since I had a balance of {$120.00} they can charge me interest on the amount of {$8600.00} even thought it was not on the XXXX bill when we payed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: KS

Complaint narrative:
I have contacted all of the companies below and they have no record of me inquiring for any of these. I have also reached out to the fraud department at Equifax and they have yet to do anything with them this was done more than 45 days ago. These are all fraudulent inquires. None were authorized. 

XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: IN

Complaint narrative:
It took the company 4 years to try to validate the debt? On repeated requests by certified letter they just now try to? No offer of settlement or nothing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
Wish to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for alledge [ Mortgage fraud, and Identity theft ] Please refer to File XXXX, XXXX, XXXX The bank knowingly filed a Document number XXXX based on a Fraud Mortgage that was submitted to CFPB by SPS. 
I XXXX 's supposedly signature on the Mortgage is ( Fraud ) and this Fraud was reported to SPS who services this mortgage on XX/XX/XXXX among other Notarized Fraud signatures of XXXX discovered on the loan process. 
Debt Collector XXXX XXXX XXXX XXXX who repeatedly filed Foreclosure lawsuits on behalf of Plaintiff XXXX XXXX XXXX XXXX was also Notified of the Fraud Signature on the Mortgage back on XX/XX/XXXX and they still filed foreclosure lawsuits and repeatedly ask the court for six months extension to prepare their ( Pretrial statement ) year after years. I don't understand why they threaten me like this and how long more years does this bank ask for more extentions if they believe the mortgage is Valid. 
I notified them of the Frauds and those are the same Frauds I intent to use in Court, based on their recorded XXXX XXXX which is also Fraud. 

Please see attachments on File number XXXX of attachments to support this complaint.My mortgage was recorded as Document number XXXX, so therefore if any other mortgage was recorded based on the Mortgage submitted to CFPB by XXXXelective Portfolio Services Inc. it is a Fraud and an attempt to defraud an innocent consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: DE

Complaint narrative:
XXXX, XXXX and XX/XX/2021 Carter Young Inc was notified by phone and email that the account associated to me is fraudulent. I submitted a police report and ftc report yet they so keep harassing me and the account is so on my credit report. I do not owe any amount to Carter Young Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Tilt Finance, Inc.
State: NJ

Complaint narrative:
XXXX will not send out debit cards. Its been 2 weeks and they refuse to get a card to me. Their solution is just sending another card so they can hold my money another two weeks. Ive waited well past the 9 business days. These people are charging money and not providing the services they claim they provide.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2021 an order was placed on XXXX  with the order subsequently being shipped to the provdided address. On XXXX, XXXX I received a notification of a case being opened through Paypal, XXXX XXXX payment processing company, due to " the buyer stated that they did not receive their merchandise. '' Proof of delivery was provided and was logged on XXXX On XX/XX/XXXX I received an email, again from paypal that " We're happy to confirm that the following transaction was covered under Seller Protection because you met the PayPal Seller Protection requirements. '' Today, on XX/XX/XXXX, I received notification that again " The buyer stated that they did not receive their merchandise. '' and " We were unable to verify the delivery information you provided. '' USPS tracking is only good for 120 days so, of course, the will not be able to verify delivery any longer. Paypal has closed my account and threatened my credit score due to the actions of a perpetrator of mail fraud ( I personally know two others that have had claims on them by the same user ) that continues to do business on XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Egon Singerman, Attorney at Law
State: AZ

Complaint narrative:
XXXX XXXX obviously filed a complaint against me ; he is in XXXX OHIO I live in Arizona He clearly is not licensed to do business in AZ Filed against a company that I am not affiliated with He violated my rights for I have not been able to defend myself

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, we reserved a unit that is offered through XXXX by XXXX XXXX XXXX. The XXXX listing said that a {$200.00} pet fee was required. That same day, we received an e-mail from a user identified as XXXX XXXX ( e-mail address XXXX ), asking for the {$200.00} pet fee via PayPal. We paid the fee using our PayPal account on XX/XX/XXXX. 

On XX/XX/XXXX, we received a request for another {$200.00} for a cleaning fee from a user identified as XXXX XXXX XXXX XXXX  ( e-mail address XXXX ). We grew suspicious, because the payment through XXXX included a cleaning fee and because this e-mail did not match the prior one. We did not pay the requested additional {$200.00} cleaning fee. Instead, we used the XXXX app to contact XXXX XXXX XXXX  and they said both requests were fraudulent. 

We informed PayPal that these requests were fraudulent, and requested that the XX/XX/XXXX payment of {$200.00} be refunded. PayPal declined our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
BBVA purchase and closed the online-only bank Simple. It was supposed to switch over on Saturday XXXX. Since that date, the Simple app and website no longer function, but I am unable to log into or access BBVA via their app or website. The customer support number only says " we are experiencing difficulties '' and disconnects

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
on Friday XX/XX/2021 I went to capital one to get some cash she asked me how much you want I said XXXX and after she coms back asking me you got a ppp loan I said yes she said I have to make a call and after she made here call they blocked my account all my payments are auto pay and they destroyed my life by blocking my account and the ppp loan said they have no right to do so and why they did accept the money I am responsible for this loan not them I need help please thank you BY THE WAY THIS IS AFFECTING A LOTS OF PEOPLE NOT JUST ME A LOTS OF PEOPLE COMPLAINING FOM CAPITAL ONE

Company response to consumer: Closed with explanation