vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 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:
Hello - I went to pay my bills using an online banking service with USAA and when I opened the the screen I was met with the requirement to provide my personal income and net worth. USAA would not let me proceed from there without providing this information. I called and asked to speak to a USAA representative. He said the information was required by the Patriot Act. I asked what part of the act. He didn't know. 

The call was transferred to " XXXX '' who claimed to know more information. I asked why USAA wanted this information and she said USAA wants it and also it is required by the Patriot Act.She said USAA won't provide me access to my accounts to pay my bills until I fill that out. I asked if I could have her last name. She said no. I asked if I could get a direct number. She said no. I asked what government agency regulates USAA in this area. She said Consumer Finance. I asked what part of the Patriot Act required that I provide this information. She wouldn't provide this information but reaffirmed if I don't provide it I won't be able to access my accounts. I asked again if there was someone who could provide more information. She said no. She affirmed I had exhausted any ability to resolve this matter by directly contacting USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
To whom it may concern, Can I please get a refund for all the effort in correcting a derogatory creditor on my credit score and corrected information that was paid years ago. I've contacted the Citi Bank directly and all I got was the wrong number, they wouldn't give me the proper billing address, they wouldn't send credit card in a timely fashion and won't allow me to access the prompts when first calling. I called my financial worker on the following dates XXXX-19 and XXXX-19. Not much interest there either.Sincerely yours, XXXX XXXX XXXX.Thanks.

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 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Once a month I have received three blank " Superchecks '' from Wells Fargo ( my primary checking/credit card company. Because I do not with to receive blank checks in the mail that are attached to my credit card, I have reached out to the bank to have them stop mailing me these. Each time the bank has acknowledged the request to stop marketing materials, and stated that it will cease next billing cycle. 

But each month since XXXX, I have continued to receive the unwanted checks. I live in an area where my neighbors and I continually receive each others mail, and as such I have no desire to have Wells Fargo making it easy for someone to commit fraud against my account. 

As my repeated attempt to have this resolved have gone no-where, can you please engage with them to ensure they are following the law/procedure regarding financial marketing. 

Best, 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
Consumer complaint received 2019-03-18 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: SC

Complaint narrative:
There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

-XXXX XXXX XXXX/XXXX XXXX XXXX : {$3400.00} -XXXX XXXX XXXX/XXXX XXXX XXXX : {$120.00} -XXXX XXXX/XXXX XXXX : {$330.00}

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 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I visited an ER at XXXX XXXX on XX/XX/2018. In XX/XX/2018 I was notified by my credit monitoring subscription with XXXX  that a negative report/collection was placed in my credit file and my credit score decreased over XXXX points. This is a medical bill from XXXX XXXX in the amount of {$210.00} which my Health Insurance Company / Self Funded plan thru my employer, did not pay apparently in a timely manner due to the employer did not fund the plan. I contacted my employer and the plan administrator, XXXX XXXX XXXX XXXX P.O. Box XXXX, XXXX, LA XXXX, XXXX. They have now indicated paying the claim in the amount of {$35.00} and stating my responsibility is {$0.00} due to the claim was not received in a timely manner. The debt remains with the collection agency as unpaid and has been reported to XXXX, XXXX and XXXX. I have appealed thru XXXX and it has been removed but it remains active on my XXXX and XXXX credit reports. The company, XXXX XXXX, still indicates I owe the balance even though the plan administrator indicates I do not. The collection agency is " Online Collections ''. This ordeal has affected my ability to obtain a mortgage at a competitive rate as my good credit rating has been affected significantly. Please note also that I have reported the employer, XXXX XXXX XXXX XXXX, to the Department of Labor for not funding my insurance plan and not paying my insurance claims as they should have. The contact with the DOL is XXXX XXXX, ( XXXX ) XXXX, XXXX. 

Your assistance in resolving this matter promptly is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
i had 4 separate credit card accounts from Barclays bank, and on XX/XX/19 they closed all accounts. i have not been able to get a proper explanation from them other than " history of account usage ''. 
furthermore on my arrivals plus card i have XXXX miles and they wont let me redeem it

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 2019-03-18 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: CA

Complaint narrative:
I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX of XXXXa 6. XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXXXXXX 9.XXXX XXXX XXXX XXXX 10.XXXX XXXX XXXX   11.XXXX  XXXX 12.XXXX XXXX XXXX 13.XXXXi 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
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
Dear cfpb, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Trouble during payment process Unfortunately the respond coming from my Mortgage Company ( Dovenmuehle ) about my dispute is not correct, because I don't have an Issue ( Trouble during payment process ), and because they didn't addressed my issue about the Appraiser report mistakes, they just back and forth many times about I'm not qualify to remove the PMI now, which is I know that, but they still didn't want to go to the main issue ( the Appraiser Report ). So, please, if you could let them know about my concern. 

With my all Appreciation. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express is refusing to return me my XXXX XXXX From XXXX  and they are holding my money and will not return it to me either by my BLUEBIRD Account or mail, and they keep hanging up on me and putting me on long holds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited a check from a customer around XX/XX/2016, the check cleared 5 days later, & then I couldn't access my account on the mobile app. I contacted Capital One 360 & they said they were closing my account since it was new due to fraudulent activity. Fast forward 1 year, the money from the cleared check is still in my account, it is not closed, it's gaining interest monthly, but I have limited access to most services on the account. So I call & speak to their fraud department supervisor who notifies me that they can't prove the check is fraudulent but they can't release the funds to me for no reason given. When I asked to speak to a manager, she said she was it & there was nothing further to speak of & then hung up on me after a brief & rude end to my inquiry. Fast forward 1 more year & I am still receiving monthly statements in the mail with interest accumulating & can not use my money from a check that they cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: B&B Funding, LLC
State: MA

Complaint narrative:
In XXXX I received a letter saying that my second mortgage, that was discharged in a chapter XXXX bankruptcy, was transferred to XXXX XXXX XXXX, I had not paid this loan since XXXX.The new creditor contacted me and wanted me to make monthly payments and advised me that he would be " coming after me '' XXXX  XXXX was the principal of XXXX XXXX  XXXX.He called and emailed about payments in violation of the Bankruptcy injunction.I advised that I was not obligated on the debt and his only remedy was through the property but he insisted I start making monthly payments.He advised that he would foreclose but with a 1st mortgage of XXXX and a value under 500k no one would do that as they wouldn't get any monies after all was said and done.WXXXX talked of some type of a lien release settlement but he wanted more monies than he new I had and I advised him of a previous settlement offer that a previous servicer had reneged on ( see your case XXXX ) but he was still insisting on monthly payments.I did some research and he is not registered with the state of Massachusetts as required nor licensed with the state of Mass as required by 209cmr 18.16, I  don't know if he ever applied or was denied due to him previously being sanctioned and having a cease and desist issued by The Office of Thrift Supervision case XXXX XXXX. 
He then sent a notice to cure saying " you have 30 days thereafter a foreclosure action will be initiated. 
This is also against Massachusetts law requiring a 150 day 1st notice to accelerate and cure so in summation He is operating illegally, violating the FDCPA, threatening legal action that he cant take and violating UDAAP, and trying to collect on debts not owed, and violating the CFPBS directive on deceptive acts and practices.He must know the laws about notice in Massachusetts so he is threatening what he know cant happen, or if he doesn't he shouldn't be trying to foreclose on homes..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2019 an unauthorized hard pull was executed on my credit report by XXXX. I have never heard of this company, and I have not applied for any loans or mortgages. 

On XX/XX/2019 XXXX XXXX XXXX executed an unauthorized hard pull on my credit report. This happened after I answered questions about home security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
See previous complaint ( XXXX ) for background details. After 2 1/2 months of back-and-forth with LoanCare after they first accused us of having insufficient flood insurance, then reviewing our policy and realizing our coverage was more than sufficient, only to continue threatening force-placed coverage on us that we didn't need, we received a letter from the Office of the Customer at LoanCare on XX/XX/2019 assuring us that our flood insurance policy is sufficient and that all threats to force-place coverage on our behalf have been cancelled. However, one week later, on XX/XX/2019, we logged into our account to find that it had once again been flagged as having insufficient flood insurance coverage and threatening us once again. We have received countless letters in the mail harassing us about this issue and each time we call LoanCare, speak to resolution specialists and managers in the flood/hazard department, only to be told, " Oh yeah, your coverage is more than sufficient, we'll cancel this right away. '' Then why does this keep happening? Our coverage and policy have not changed at all during this entire ordeal, so we have no idea what the problem is. We are also aware that LoanCare settled a class-action lawsuit two years ago for this very issue, so it is appalling to see them as a company trying the same tactics when they've been called out on this issue before.

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
LexisNexis ( LN ) did not inform XXXX of there findings in which resulted XXXX to report incorrect information. I am requesting to update XXXX of the updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I had made a mobile deposit using the Bank of the West App. The deposit was a money order for {$210.00}. I was informed by the Bank of the west contact center the first {$200.00} of the deposit would be available per the banks Any deposit checking account guide I was treated very rudely over the phone by the contact center. The contact center referred my call the the Branch in XXXX stating they would be the ones to fix the bank error. The branch refused and asked me why I would open a bank account with XXXX being so far from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted XXXX XXXX in XXXX both via phone and email to discuss an erroneous 60 day delinquency report on my credit bureau. I was alerted when my Fico Score dropped over 120 points by XXXX XXXX. I have made numerous attempts to get this resolved with XXXX XXXX but they continue to refuse to correct this error. I pulled copies of all three bureaus and XXXX XXXX went from reporting my account as current in XX/XX/2018 to 60 days delinquent in XX/XX/2018. 

I believe I know the trigger event. On XX/XX/18 I made an online payment for the total account balance. I did not login the following month as I had not made any purchases and had paid my account in full on XX/XX/18, the account showed a zero balance after the payment was made. The account cycle date was XX/XX/18 the statement with the XX/XX/18 does not show the payment I made on XXXX, it is reflected on the XX/XX/18 statement with an XX/XX/18 payment effective date. Although my statement from XX/XX/18 does not reflect my payment it does show a finance charge of {$4.00} which was not on the account when I logged in and paid it earlier in the day, again when I completed my payment my account showed a zero balance. I did not check my account in XXXX I knew I had not made any purchases. During one of the conversation I had with a XXXX XXXX employee she said if had waited until XXXX to make my payment this would never have happened. 

I sent a certified letter requesting the correction to their office in XXXX, OH and received the same response, that there was no error in the reporting. 

I take my credit very seriously and work in banking. This Fico score error is detrimental to my employment abilities not to mention my access to credit.

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 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Johnson Mark LLC
State: OR

Complaint narrative:
XX/XX/2018 or spring of last last year, they tried to sue for a completely different debt ( XXXX XXXX ). They threatened me with a lawsuit that did not succeed in the past and sent more mail today for a different 3 year old cc debt from XXXX XXXX. They are not true lawyers. They've been harassing me through mail for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7XXXX XXXX XXXX XXXX   8.XXXX XXXX  9.XXXX XXXX XXXX XXXX  10.XXXX XXXX XXXX 11.XXXX XXXX  12.XXXX XXXX XXXX  13.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 2019-03-18 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: CA

Complaint narrative:
I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX 4.XXXX/XXXX XXXX XXXX  XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX   XXXX  XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX/XXXX  XXXX 9.XXXX XXXX XXXX XXXX  10.XXXX-XXXX XXXX XXXX 11.XXXXXXXX XXXX 12.XXXX XXXX XXXX 13.XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  is reporting unpaid medical debt on my XXXX report which is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I have reach out to them the company thew certified mail on XX/XX/XXXX i checked with the US post office web site and the website has informed me that the company has received my communication. I don't know the the collection company i don't have an contract with them i have asked them to provide me with proof of the contract and they have not provide me with this information. 

the dates they have provided me with is XX/XX/XXXX ,XX/XX/XXXX XX/XX/XXXX, XX/XX/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