vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I went to XXXX XXXXXXXX and looked at several XXXX. We decided on one I was interested in but wasn't entirely 100 % on as we figured out numbers. They asked if I would like to check credit to see what they could do. I explicitly asked several times to verify what kind of pull this would be, soft or hardpull, and after asking I was told each time that this would be a preliminary softpull. I woke up XX/XX/XXXX to find out they ran a hardpull on my credit. This seems rather unethical and after this I will not be choosing to go with XXXX  XXXX. They tried to rush me through certain steps of negotiation and it left me feeling like something was going on and sure enough ...

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 2019-07-06 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: FL

Complaint narrative:
Experian knowingly reports numerous inaccurate disputed accounts refuse to provide copies of demanded signed credit or loan application to verify account 's, yet claims account verified. Demand is hereby made that Experian to provide copies of signed credit or loan applications for all negative accounts reported or delete it immediately.

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 2019-07-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
Made payment and company still reporting as delinquent. Made payment XX/XX/XXXX files wrong information XX/XX/XXXX needs to be fixed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have encountered with an account that I have never opened. XXXX XXXX XXXX has issued a debt and went into collection its {$1200.00}. I know its not a lot of money but why would I pay for money I never used? Ive been trying to fight this off my credit and I came to find out about these accounts when I got out of my XXXX and logged into XXXX XXXX. I was shocked oh how many inquiries and this account were open. Please help me. My identity was stole and I have attached a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
Made payment and company still reporting as delinquent. Made payment XX/XX/XXXX files wrong information XX/XX/XXXX needs to be fixed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint based on the keys principles set forth by the Basic Consumer Rights. The Consumer Bill of Rights pushed for by XXXX XXXX XXXX established four basic rights ; the right to safety, the right to be informed, the right to choose, and the right to be heard. I was denied all four. On XX/XX/XXXX, I bought a vehicle from XXXX   XXXX XXXX. As a mean to lower my monthly payment, I used a Chase Sapphire Preferred and a XXXX XXXX respectively to add {$4500.00} down payment. After I took the vehicle home, I discovered several issues that required immediate attention of the dealer. I called and spoke to XXXX, the salesperson and he advised me to confirm a date that I could bring the vehicle in. When I arrived at the dealer upon inspection there was more problem than I initially thought. At this point I asked to speak with the sales manager based on satisfaction guarantee that was issued to me by the dealer. After over six long hours managers finally agreed to allow to change the car for a similar model. As a practical matter, what he failed to disclose to me was that my {$4500.00} was not part of the refund. I found out in the process of the new paperwork signing because of the discrepancies in the numbers. Two things happened, I was not disclosed my down payment was not refundable and I did not have the opportunity to negotiate a fair assessment of what the cost to repair the issue I was having which by any standard would be a fraction of the {$4500.00} that I used as a down payment. I filed a complaint with both credit cards Chase {$3000.00} and XXXX {$1500.00} and they both concluded their investigation without fully investigating the matter and further proof of documents. They just took the dealer at its word and close the case. If those four standards of Basic Consumer Rights apply, I should be entitled at minimum to a fair hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
As a college student, I frequently use money sharing apps to send money to friends and buy things that I need. On two different occasions however money was sent to me that did not show up in my Cashapp account. This first time it happened my female friend XXXX   sent me {$10.00}. I noticed the money wasnt there but thought it was a momentary glitch and because their is no customer service number there was nothing I could do. On XX/XX/XXXX a friend XXXX  sent me {$30.00} through the app which did not show up in my account. Immediately I emailed support and they responded within a few minutes but after I tell them the problem and that my money is not there they ignore me. Then again I emailed them and they responded immediately telling me they can help me get access to my account and I explained that I had access to my account but that money was not showing up in it. I said to rather send me my money or refund my friends and I got no response. I need this money to last me the week until I get my paycheck. This company should not advertise a 24 support team that will not respond to claims. Im not the only person who has had this unjustly happen to them and I personally believe that this company needs to be held under greater scrutiny as a multimillion dollar corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
Notice this collection agency on my credit report wasnt aware of this. Stated I got loan on XX/XX/XXXX owe XXXX XXXX and XXXX dollars since XX/XX/XXXX. Since XXXX of this year been reaching out. Sent company a debt validation letter sent me a copy paste contact. Not a signature or dated signature, just computer copy and paste.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sokaogon Finance, Inc.
State: TN

Complaint narrative:
I applied for an emergency payday loan to pay my light bill. I was approved for {$300.00} on XX/XX/XXXX. It wasn't disclosed about high interest rates on this loan. The payments were set up by ACH each pay period for {$90.00}, which is every two weeks. I have made payments totalling {$420.00} as of XX/XX/XXXX. I am showing a payoff still in the amount of {$380.00} plus XXXX on my next pay date if I decide this.. If not this {$300.00} loan will be paid off after 14 more payments of {$90.00} totalling {$1300.00} This is Insane!!!. A complete Rip off!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX XXXX 2019, I discovered that my AMEX / Bluebird card was hacked for 2 unauthorized transactions totaling {$200.00}. I also received an alert from Bluebird that the same company ( XXXX ) or XXXX XXXX XXXX I couldn't get anyone to cooperate and explain how they blocked 1 unauthorized attempt for {$1500.00} but allowed the same company to hack my account for {$200.00}. I requested 2 dispute resolutions and also requested Bluebird to email a declaration of fraud and they refused. 3 out of the 7 calls I requested a manager / supervisor and after being on hold for 20 minutes I am transferred to someone and phone disconnects. American Express Bluebird is guilty of fiduciary negligence / breach of security and allowing my SSDI direct deposit funds to be hacked. As a  XXXX person I demanded a provisional credit until funds are back in my account and that was denied. This is second time within 6 months that my account has been hacked and I will be shutting this card down and consider taking legal action against AMEX / Bluebird. Complaint also sent to FBI IC3.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I was called by ARS, Account Resolution Services, agent " XXXX '' at XXXX XXXX on XX/XX/XXXX. I was already in a stressful situation as a company I am in good standing with debited my checking account and I was scrambling to resolve the issue of an overdraft. I informed her that I was unable to pay anything at this time due to not being employed due to XXXX for over a year, and now having this debit on my account that I was not expecting so I had nothing to spare anyone at this time. She then stated, " Well, if you have debits coming off your account already that is going to be us shortly. So, what are you going to do about it? '' This in my mind implied garnishment of my already dwindling savings as well as any money in my checking account. As my XXXX are aggravated by stress this did not help the already escalated situation. I was on the verge of rash behavior as it was, and this almost put me at the edge. I have sent a written letter to the company informing them of the agents actions, that fact that I am currently in the process of a XXXX claim with court date pending, and that due to the ramifications of that call all contact is to be terminated. The agent in so many words threatened me, and this has caused XXXX. I have not denied the debt, but at this time and until my XXXX hearing, I can not pay and I don't appreciate being threatened.

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 2019-07-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
With experian I have tried to talk to several people with no results. 
It begin when experian wanted my banking information and I refuse to give it to her and I notice from that point they went to messing with my credit score by gradually lowering it. 
Now they sure on me that I've always been late with payment which is untrue all of my payments is set up through the companies for auto draft!

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 2019-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
It wouldn't let me send the money Account And secure number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
Specialized Loan Servicing continue sending me notices encouraging me to contact them to discuss possible loss mitigation options. 
Document #! dated XX/XX/2019. 
Although SLS says that they are not sending me foreclosure notices, this letter is the first of many notices to follow that will include foreclosure notices. 
I am not delinquent in payments. I surmise that because SLS has a carrier to pick up their mail because payments are sent to a XXXX   XXXX number XXXX, mail is late posting. 
My scheduled payments are timely, however when you have a carrier delivering mail it may be late receiving. 
I want SLS to put all my correct information in their main frame. Neither department knows what the other department is doing. I have response letters dated XX/XX/2019, from XXXX # XXXX, XX/XX/2019 from XXXX # XXXX, XX/XX/2019 from XXXX # XXXX, then a letter of mortgage delinquent notice dated XX/XX/2019. 
I tried to call XXXX and XXXX at XXXX giving their ID numbers and was told that their was no such person in the company. 
Loss mitigation, escrow, loan servicer, LPI, hazard insurance, mortgage loan, analysis, foreclosure sale, customer care support, and any and all other service departments needs to get into each and every main frame and correct my account information. 
From each and every correspondent they maintain that I never sent the ( elephant in the room ) declaration page XXXX proof of insurance. Which is a bold faced lie because I sent the same document of proof to you and to them several times throughout this process. Even the 3rd party XXXX sent the document. I sent payment XX/XX/2019 {$770.00}, XX/XX/2019 {$770.00}, then received a letter from SLS about a reduction adjusted to my account for the month of XXXX. 
If I'm behind as SLS maintains why did I only have to pay {$400.00} for my XXXX ( money dated XX/XX/2019 {$450.00} ) payment? SLS also sent me a refund check. 
I'm demanding that SLS correct every departments main frame as it relates to account # XXXX. 
Sincerely yours, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
I do not know who this company is and I don't have any unpaid services or products at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have been a victim of credit fraud where someone gains access to my credit information and open credit cards in my name, maxing them out and leaving those account to be in collections. I have reached out to the credit bureaus and tried on many occasions to have this issue disputed but they were no help. I even mail a letter of my complaint to each of the following bureaus XXXX, TransUnion, and XXXX  and I did not receive and follow up from any of them. I was recently contacted by a collection agency who arrested me into paying {$1400.00}, tell me that if I paid this amount they will forgive this debt and clear my credit account, but upon accessing my free credit annual credit report I realized this agency took my money under false pretense, with false assurance that all am seeing on my report will be taken care of and my credit file will now be protected.

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 2019-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account dates are wrong.

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 2019-07-06 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: GA

Complaint narrative:
The account dates are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
IN MY PREVIOUS COMPLAINT I REQUESTED MY MORTGAGE STATEMENTS FROM XX/XX/2018 THRU XX/XX/2018 SINCE I NEVER RECEIVED THEM. I WANT THE ORIGINAL PAPER MORTGAGE STATEMENTS NOT COMPUTER GENERATED STATEMENTS. IF THIS IS ALL THEY, RE OFFERING I WILL LODGE ANOTHER COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I have been trying for over a month with my wife to open an account for our son with XXXX XXXX   so that his SSI checks can be deposited.

We have submitted information, personal information, such as the award letter and an application with no phone call from the department only an email asking for information like where my son works ( he is XXXX! ). 

We have called multiple times and also tried online chat but no one can give us answers. We provided the information needed and they are asking things like where we want the account funded from, we have several accounts with USAA and our HOI and Auto Ins as well as life and a personal insurance policy, I mean we are not known to USAA?? Or valued enough for someone to pick up the phone? 

We are told that the department that handles representative payee checking accounts does not " take calls '' but the department who is trying to figure out the issues can not see our documents we sent. 

How do we do business like this??????????????? 

Its not acceptable or fair to our son ( XXXX XXXX XXXX ) to be treated this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: CITIBANK, N.A.
State: TN

Complaint narrative:
As background, I authorized a fraud alert on XXXX, XXXX  and XXXX on XX/XX/2019. On XX/XX/2019, I received notice that I had a hard inquiry against my XXXX report from XXXX XXXX, initiated on XX/XX/2019. I did not authorize this credit application. 

Upon contacting XXXX card service on XX/XX/2019 via phone, the department 1 ) did not demonstrate any evidence that they took measures to verify the identify of the individual trying to obtain credit under my name ; and 2 ) refused to resolve the matter. This is particularly frustrating, as I contacted the company immediately, prior to any issuance of a credit line. With XXXX ' lack of action, the fraudster could act on a credit line in my name before I can resolve the issue. 

I contacted XXXX on XX/XX/2019, who took additional measures to verify my identity, and then began its internal dispute process, which is ongoing. 

This complaint is against Sears, who ignored an existing fraud alert when it served the purpose of issuing credit and selling a product, but refused to aid a consumer when an identify conflict arose. This is unacceptable behavior in any context. Given that I am currently in the process of purchasing a home, and so can not freeze my credit to keep me safe, this is even more impactful.

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 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I did not apply for credit or provided authorization for pulling my credit report for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
this company pulled my credit twice in one day without my authorization or consent

Company response to consumer: Closed with explanation