vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
It is my belief based on the conversation and the fact that USAA has canceled my account ending in XXXX and refused to do business with me because someone has done fraud on my account using my ID and other documents. It is my belief that the fraud event occurred between XXXX and XXXX. I have been going through XXXX  XXXX and homelessness and am currently in a safe place to address the situation of my life. The fraudster may have used an auto insurance policy and other documents. I have contacted the USAA fraud dept. several times over the month of XXXX. They have said that they would contact me but have not. They know malicious activity has happened on my account. Instead of informing me they have chosen to alienate me without explanation. I have been a member/shareholder of this company since early XXXX. 

I went through the online verification process and In XXXX of this year I spoke to a representative in the fraud dept. I was given a fraud dispute number ( XXXX ) and the representative said someone would be reaching out to me, however, I have not gotten a response as of this date. I called back and then I was told that USAA was exercising its right not to do business with me and that I should check my Credit report for suspicious activity. I can not get USAA on the phone to at least tell me what happened on my account thru them. I have submitted my ID and my phone number and tried to work this out, but they have become unresponsive to me. The fraud happened to me on my account, and I am being punished for something I did not do. Furthermore, I can not protect myself because I don't know what actually happened. 

USAA is only concerned with protecting itself from being liable and not helping me with the situation forcing me to deal with this on my own by blacklisting me. I have to sign declarations involving another person in order to get products and services from other companies which I believe is due to these events that occurred without my knowing. I have done nothing wrong and will take a lie detector test or fly in person to the executive branch of USAA with my identity documents. I would like justice. 

I also did not receive any money from my subscriber account as I am a shareholder of USAA and should have some say in how things go or get a phone call to explain what happen. I can not update my phone number, email, or address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one approved me for a credit card after I provided a copy of my birth certificate and my driver 's license and then sent it to my house. They then promptly suspended the account, demanding that I further identify myself before they could activate card because they could not confidently assert that I was who I say I am. But they had already reported my credit line with them to the credit beuros. Due to the excessive difficulty of activating my card, I decided to cancel and as a result my credit score has tanked. This is absolutely unfair and unreasonable and Capitol one has offered no solutions. I do not believe it is fair to report a credit line that I was never given access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Security Service Federal Credit Union has refused to comply with the Freedom of Information Act to a debt validation request submitted on XX/XX/XXXX. The requested documents are the following : A copy of the original contract that includes the wet ink signatures of all parties involved. Provide verification and authentic documentation that there is a valid basis for claiming that I must pay the debt. ; Provide all original authentic accounting records, ledgers and bookkeeping journal entries, including tax filings for these consumer accounts ; Provide verification, documentation and proof of authorization that you have the right to collect ; An accurate and authentic accounting records, ledgers and bookkeeping journal entries for the request of credit extension made by XXXX XXXX XXXX XXXX on XX/XX/XXXX, and a statement of disclosure clarifying the reason for rejection of the request ; An authentic accounting of all voluntary payments made to account # XXXX, as well as for any closed accounts for XXXX XXXX XXXX SS # XXXX XXXX A statement providing clarification of account XXXX, the current status and most recent records of performance of this account ( dividends earned, dividends paid etc. ) ; An authentic accounting of all coupons/dividends and including unclaimed coupons/ dividends for all active and closed accounts/securities owed to XXXX XXXX XXXX XXXX XXXX  XXXX Security Service Federal Credit Union did not provide a statement or reason for adverse action on application for credit submitted to XXXX on XX/XX/XXXX and was denied, despite remaining in good standing on account XXXX, thereby violating ( 15 USC 1691 ( d ) ( 6 ), 12 CFR 1002.12 Security Service Federal Credit Union responded to my request for authentic accounting records information with XXXX ( XXXX ) most recent billing statements for account XXXX, which is non-compliant to GAAP accounting and records for a financial institution. 
Security Service Federal Credit Union is still sending collection notices to my residence despite having not provided valid proof of a debt. 
Opportunities for remedy to these violations are listed in the notice delivered on XX/XX/XXXX and were ignored by Security Service Federal Credit Union Please note that this complaint will also be forwarded to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX

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 2023-01-28 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: SC

Complaint narrative:
I have been disputing these fraudently inquiries items on my Equifax report they did not remove them i have contacted the creditors also. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES- EQUIFAX MORTGAGE SERVICES - , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX- EQUIFAX MORTGAGE SERVICES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Received a threatening text

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NJ

Complaint narrative:
Trans union reports XXXX XXXX  hard injuries on my account that were part of the ID theft. The other XXXX  have removed them.

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 2023-01-28 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: PA

Complaint narrative:
I purchased train ticket XX/XX/XXXX for a ride XX/XX/XXXX. Like most people do, I purchased these tickets ahead of travel. When we got to the train station we had an issue where they said we would be refunded and to purchase a new set. We did this and I worked with the train company for 2 months with no response back. I filed a dispute in XXXX with Chase. They first responded to me XX/XX/XXXX that they received it. They called me at least 5 times as well as emailed me twice for the same information which I provided the receipt of the new tickets and details of the events. In XXXX I called back and the customer service representative said on the phone that the dispute was accidentally closed out even though I had sent all information in the correct time period. She reopened and had me fill everything out again. XX/XX/XXXX I was informed that it had taken too long. Why when I spoke to XXXX different people on the phone and XXXX emails did no XXXX advise this? There are several recorded lines of this not being mentioned at all. I have proof of purchase of the other tickets which were purchased XX/XX/XXXX. I have spent over {$25000.00} in less than a year with this company and I feel like they really dont care. I said I would like to close my card because of this and the associate did nothing to try to keep my business just closed my card like that. This isnt fair at all and I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have sent documents to Portfolio Recovery Associates and have yet to repond to me. Ive requested documents on this alleged debt multiple times and nothing. All they've been doing is harrasing me to pay them but i dont even know why they are charging me or who they even are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I submitted to them a claim a dispute the stating that my account had unauthorized use while I was incarcerated. I had possession of my card at all times never gave up the card information, no other authorized users and was not able to make any transactions as I was incarcerated I was asked for proof of incarceration I provided that and also a police reporter was provided they then said i would be contacted. I was told that i can't file a dispute until the account was reopened. I didn't get to spend my money that was in my account they will not resolve the issue. They will not reopen the account or allow me to access it and rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Family of XXXX ( wife and husband along with XXXX kids who are twins, aged XXXX XXXX XXXX Wife enrolled the XXXX kids for preschool in XX/XX/2022 for a first day on XX/XX/2022. Tuition is {$2600.00} per kid, per month. 

All of the enrollment process was conducted via email, with the XXXX XXXX  director, using her personal XXXX email account. 

As part of the enrollment process, the school requested funds for 1. {$2100.00} for a deposit and 2. {$2600.00} for the first months tuition For a total of {$4700.00} per child ( therefore {$9400.00} total for XXXX kids ) This funding was to be made before the first day of class. Wife was advised to send payments via XXXX to 2 email addresses : XXXX name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In total, XXXX XXXX payments were sent on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Wife initiated the XXXX payments online through the advice received via email. 

Following the first day of school ( XX/XX/XXXX ), the XXXX director asked us via text message whether we had make the payments and we told her we had complied with her request via email. This was how we discovered that the XXXX funds were misdirected, and therefore fraudulent. Not known to any of us ( Wife, Husband or the XXXX  director ) was that the XXXX  director 's XXXX email account was compromised with a man-in-the-middle, and was being controlled by someone else. See screenshots of the email conversation from both the perspective of Wife and the XXXX director. The email thread has been doctored by an unknown 3rd party. 

Wife then emailed XXXX and XXXX to ask that they return the funds sent to them via XXXX. There has been no response. 

Wife called her bank ( JP Morgan Chase ) on XX/XX/2022 to see if the XXXX payments could be reversed. The bank said XXXX transactions are not reversible. 

Wife again called JP Morgan Chase on XX/XX/2022 to ask if there was a report or complaint that could be filed and the bank told her no, as the transactions were authorized. In addition, from the banks perspective, no fraud has taken place as the XXXX XXXX transactions were all initiated by Wife. 

Attachments * XXXX XXXX payments totaling {$14000.00} from XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/2022 * Email correspondence from Wife 's email account * Pictures of email correspondence side by side from 2 perspectives. On the left is the XXXX  directors mobile phone. On the right is Wife 's mobile phone. The messages that the XXXX director sees are modified from those that Wife has received and replied to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Several attempts have been made to remove non-mailable addresses and employment history off my credit report with TransUnion. Last spoke with an representative XX/XX/22. 
The only address to remain is my current address and current employment. To this date the information remains inaccurate. 

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information ''. Inaccurate information must be removed immediately ; these are non-mailable and I no longer am employed with said companies.

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 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
sender sent {$2500.00} from XXXX in XXXX XXXX. recipient went to XXXX in eastern XXXX  only to find out XXXX has policy of {$2500.00} per day. both XXXX and XXXX are at fault to allow transaction knowing that this can not be processed. sender is on fishing boat don't know why XXXX wants to talk to him as they verified his id when the funds were sent and XXXX won't do anything. question is how can XXXX contract with XXXX  knowingly their limits? so where is this money sitting at XXXX XXXX? 
fyi I am not sender nor recipient just a mom trying to help her daughter resolve this cluster ... calls were made by me and her to XXXX and they won't do anything to help her. XXXX says contact moneygram!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
Due to financial hardships and XXXX was put on a forebearance plan by Carrington Mortgage XXXX XXXX I was making payments as I could. Forbearance ends on XX/XX/2023. I applied for mortgage assistance with the mortgage company and the only option available, per XXXX, was to liquidate the property. Just needed some assistance with the arrearage, I can now pay my monthly payments but theyre no giving any assistance. The government give assistance to these mortgage companies and now theyre pulling the rug from under people. They would rather take your property and sell for less than help the home owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: MD

Complaint narrative:
You have violated the XXXX by denying me credit for unknown reasons after already running my credit having access to my social security and personal information and notifying me that I was pre-approved. You then denied me credit by claiming that my information could not be verified, and possibly fraud. The below is your response : " XXXX XXXX, To protect the integrity of our Verification process I will not disclose any additional details regarding our decision. Rest assured, we did complete a secondary review to ensure that our internal process was followed properly and have confirmed that we will not be moving forward with any transactions in your name. 
We wish you the best of luck in your car buying journey outside of Carvana.

Best regards Carvana Dispute Team '' I have submitted the full conversation as long as other proof that I was approved for credit. 

You also have very misleading bait and switch marketing tactics by advertising lower downpayments only to click on the vehicle and the down payment is substantially higher. This is a clear violation of 15 usc 1662 ( 2 ), this is something that CFPB and FTC has constantly addressed in their many publications on their site, please give it a look for your own ediication. 

Thank you XXXX All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had my identity stolen during the first week of XXXX. The thieves stole {$16000.00} from my XXXX XXXX and then transferred the money into a Chime Account that they opened under my name. 
In an effort to do my due diligence I called Chime to close the account and asked them to send a check for the balance within that account. 
I reached out to Chime in XX/XX/XXXX of XXXX. They asked me to submit the last XXXX digits of my social security, my state ID, a picture of me holding a paper with the current date and my state ID. I also talked to customer service multiple times to resolve the issue but the way customer service is set up at Chime, basically I was led around in circles every single time. Each time I was promised contact with a higher up team that was not reachable via phone that would resolve the issue. But such a team never reached out. 
Finally in XXXX, I threatened with filing a complaint with the Federal trade commission and litigation and thats when did they reach out. They asked me to send in the same documents again along with an Affadavit of Identity theft. I submitted said documents XXXX times, but still Chime has yet to resolve the issue. 
They are refusing to send a check for my closed account, and making the process of getting said check unreasonably confusing. I have provided multiple documents proving my identity, and Im still being led in circles. The money is no small amount either - its my life savings. Please help.

Company response to consumer: Closed with explanation