vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is a complaint made by a consumer natural person. On the XX/XX/XXXX, CAPITAL ONE received my signed payment coupon via certified mail. As authorized representative, I endorsed that bill with my signature and trust account number pursuant to UCC 3-306. HJR 192 of 1933 and 18 USC 8 are my proof that I am well within my consumer rights. I am holder in due course of my trust account and seek to use it properly. I have attached pictures of the original endorsed bill. CAPITAL ONE agents were not trained well enough to understand the terms and laws which allow consumers to defer payments. Credit is the right granted to a debtor to defer a payment, but the phone reps were telling me that credit was a loan given to me which was completely deceptive. They were not equipped to understand what a bill of exchange is. I am simply exercising my full faith in credit but CAPITAL ONE is hindering me from doing so thus making life more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
I applied for Chase credit card for Southwest Airlines in XX/XX/XXXX. I didnt hear from them so I contacted them XX/XX/XXXX. After four different emails, I was told I had mistakenly put my financial income at XXXX household and it should have been XXXX. I was told the agent could correct that but she really was unable to as I was listed as dead. I assured her that was not the case. She then directed me to reach out to three different credit agencies, which I did. Not one of these companies said they had me listed as dead. Its now XX/XX/XXXX and I have yet to get a response from a reliable person who can resolve this. My credit score exceeds XXXX and a credit report that steps I have no debts against my credit at this point I do not want the credit card but I do want a correction from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I paid off Care Credit/Synchrony Bank in late XXXX early XXXX, I can't find the proof and my bank is assisting me with this. I am buying a house and when the credit was ran in XXXX this was not on the report. They ran again and now it is on the report even though I paid it off. I need a letter stating that there is a XXXX balance so I can buy a house so I paid it again on XX/XX/XXXX. It came out off my bank on XX/XX/XXXX, Synchrony will not issue a letter for 21 days even though there is a XXXX balance, I should not have to wait for 21 days when the money is already out of my bank.

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 2022-01-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
USAA has prevented myself from accessing the funds in my account, and have failed to notify me of account changes and account actions they have taken without my consent. 

For multiple weeks now, my debit card has not worked. My debit card is set up for auto pay on almost every single bill I pay every month, including car insurance, phone bill, server bills, business fees, etc. 

At no point did USAA notify me of any issue with my account, either through phone call, email, or any form of correspondence or notification through the USAA mobile application. 

This has completely eliminated my access to my funds. I am unable to use any of my funds or pay any of my bills, and have had to directly transfer all of my bills to different routing. This has not only cost me a lot of time and suffering, it has caused a severe financial burden. 

Because nobody from USAA would call me or email me, I decided to email the CEO of USAA directly - XXXX. I received a call from an agent today, who advised that my debit card is not locked out, but has only been suspended because the pin number was input incorrectly too many times. Again, at no point did this entire corporation notify me of this through any form of communication. Not only is this a severe issue because of the lack of access to my funds, this could have been a possible breach of security. 

A pin number being input incorrectly too many times is a clear indicator of fraudulent activity. Had this been the case, USAA wouldve allowed somebody to continuously commit fraud without notifying me of any issues whatsoever - A blatant and direct violation of federal law, and the agreement I signed when I created the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX account in the amount of XXXX that I didn't own XXXX XXXX XXXX account number XXXX services they said on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
USAA has failed to properly train and verify their agents ability to handle financial transactions Or any form of account management. I can directly prove that USAAs agents do not meet basic criteria required to be doing their jobs, resulting in severe financial issues as well as problems insuring vehicles. 

I have been using USAAs banking for over a year in addition to having used their car insurance most of my life. Throughout my entire lifetime, USAA has failed to provide a single agent who is capable of understanding the USAA app, basic financial terminology/functions, or resolving any issue whatsoever. I can prove this through documentation. 

As both a financial institution, and a car insurance provider, USAA is required to provide agents who are capable, properly trained, and properly certified, to be handing financial accounts and transactions. Every single interaction or issue I have had with USAA has caused me to have to email the CEO directly in order to get any basic form of customer service, from someone who is competent enough to understand basic English. 

XXXX is advertised through various emails as belonging to the CEO. I have had numerous issues with this institution, and had to escalate all the way to emailing that address directly. Every time somebody calls, they identified himself as having worked in the CEOs office. 

There are numerous emails and phone calls from me that will prove this, that I have emailed XXXX numerous times in order to resolve basic issues- Such as getting an agent who is competent at a basic level. 

Because all of these interactions and issues have had to be referred to the CEOs office instead of customer support directly, repeatedly, USAA is in violation of federal law. USAA is not providing proper customer support to handle all of the financial accounts and transactions it needs to. My emails and correspondence With the CEOs address and the CEOs office will show that every issue I have had needed to be resolved by the CEOs office - Thus proving that customer support does not exist At the level USAA advertise it. 

USAA will explain why they are failing to hire competent agents. They will also explain why they are forcing me to bypass customer service and take extra steps- Beyond what all the other customers have to do - in order to get basic financial service for my financial accounts. This is not the customer service that was portrayed and advertised to me through various means.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I use PennyMac for my home loan, account XXXX. During the pandemic, I opted for mortgage relief in the form of forbearance. This lasted for approx. 15 months. Each month, I would check in and verify that the forbearance was still needed. The approximate unpaid mortgage at the time that the account entered forbearance was XXXX. Once my finances were back in order, I opted to defer these payments to the end of the mortgage. Undenounced to me, during this time I was incurring debt with PennyMac. These fees and/or interest was never discussed, authorized, or disclosed to me in any way ( again, I checked in at least 15 times where this was never brought to my attention ). At the conclusion of the forbearance, PennyMac shows that I owe approx. XXXX on the loan. I believe this XXXX XXXX dollars was added to my account under false pretense, without my knowledge or authorization. I called the company and spoke to a representative who said I was still collecting interest during the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2021 an account was opened in my name with XXXX XXXX XXXX. I DID NOT open this account. I have contacted the company via email since the number provided will not allow calls. This is fraud under my name. I have a fraud alert and my credit is frozen. This should not have been opened.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened a Comenity Bank XXXX credit card account in XXXX. Consumer accounts were closed on XX/XX/XXXX by Comenity Bank due to their separation from XXXX. My last purchase on this account was XX/XX/XXXX. I continued to pay my remaining balance without ever being late. I paid off my balance on XX/XX/XXXX resulting in a {$0.00} balance. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2.00} stating this was interest due on purchases prior to XX/XX/XXXX. When I contacted Comenity Bank, they refused to remove the charge, threatened a late fee of {$41.00} if I didn't pay it, and couldn't explain why I was being charged interest on an account with a {$0.00} balance. The Comenity Bank supervisor I spoke with initially stated that the charge was because I paid after the due date, which was untrue. The balance was due on XX/XX/XXXX. I paid on XX/XX/XXXX. She then became combative with me. The impact on me is that I fear I will never truly have a {$0.00} balance with Comenity Bank if they are able to continue to charge me interest on purchases from prior years and to which I've already paid. As it stands, I have paid EVERY amount they've asked me to pay for the duration of this account, which includes ALL interest on EVERY purchase. When I filed a complaint against Comenity Bank with CFPB, they responded by violating my privacy rights and breached my personal information by sending CFPB 6 months of my bank statements WITHOUT my knowledge or permission. My statements showed my entire account number, address, purchased items, credit card information and other private data. I contacted Comenity Bank and they failed to respond to why they sent 6 months of my bank statements to an agency. Comenity Bank has charged me late fees for payments that were made several days prior to the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Several inquiries on my consumer report without my consent/ authorization. Credit bureau claiming to not have received my previous Police Report nor my FTC Identity theft report.

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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XX/XX/2022 : A lender named Goldman Sachs made a hard credit inquiry without my authorization. I had contacted a lender ( XXXX XXXX ) about a potential consolidation loan and the person on the telephone made a soft credit inquiry and then showed XXXX potential loan offers. He told me to click a button on my computer screen for Goldman Sachs and then told me that Goldman Sachs would contact me about a loan offer on Monday ( today ). I then received an email from XXXX indicating that a hard credit inquiry had been made to XXXX for my credit report. 

The whole process was deceiving and done to make me select a loan offer without explicitly asking me to authorize the access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
they will NOT answer phone at all. Waited 2 hours. Trying to reach escrow which is wrong NEED to have a new one reran with accurate information. Called United States ( XXXX ) XXXX - XXXXMonday - Friday XXXX AM - XXXX PM XXXX and United States ( XXXX ) XXXX - XXXXMonday - Friday XXXX XXXX XXXX XXXX XXXX XXXX. Have been trying for days They do not answer on purpose until I file a complaint. What a waste of the CFBB and my time. They need to call me ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX but nothing has been done.

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 2022-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: CO

Complaint narrative:
I made a partial payment on the mortgage out of my 100 % service connected XXXX XXXX funds and was going to pay the last {$140.00} that I owed Cornerstone Home Lending when I got my Social Security funds in less than two weeks after I paid the other amount. I had just gone through the 14th time I had fraud and ID theft on my bank accounts and through email, XXXX, phone, and snail mail and everything was a big mess for me financially. This is because I was an intelligence officer in the XXXX and speak XXXX, and had an application to teach XXXX at the XXXX XXXX XXXX that was active when the Russian government hacked into the XXXX XXXX 's XXXX IT XXXX. 

The mortgage payment I made was refused and when I called to find out why, the customer service agent said they only accepted complete payments. Now I owe them money for their late fee as well as the mortgage payment I missed. I had to get help from our local social services office in our county, but the charity that is helping has not paid the overdue payment yet. 

I am making the complaint because this mortgage company will not help the borrower make arrangements to pay less than the complete payment or take a partial payment. Therefore they make more money off the borrowers through charging extra fees and it is easier for them to foreclose and kick the borrowers out of their houses. 

Certainly this should be illegal and the US government should do something about this!!! 

It

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
I sued Equifax Information Services, LLC among others and settled with Equifax out of court. The case was dismissed in XXXX of 2021. Since that time they have been reporting my score in the mid to high XXXX, down from the XXXX plus. 

There are no collections and the Balances on the loan ( medical reasons ) and credit card have decrease thru out this time. I have called that the online version is known to be error, the score in the system they use is over XXXX and in one case to contact my attorney cause it was retaliation for suing them. Also the reports I was supposed to receive never arrived and let us not forget them changing my current address to an old one they admit to. 

I have over 45 years in XXXX as a XXXX XXXX XXXX and if one or multiple Databases can be fixed by using XXXX, XXXX or any program for updateing, either online or batch. 

I am going for a Mortgage on a new house and the above can and will hurt. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payfare International Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I completed a XXXX  and an automatic payment of XXXX should have been posted to my account. 
They added the payment but did not credit my account. 
I only recieved payment for a XXXX  after which brought me up to XXXX. 
They have stolen my money and I have tried contacting them, there is no answer and no support on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX Rent Recovery # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information.

the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief