vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I filed a dispute for unauthorized ACH debits from XXXX. When speaking to the agent on the phone, I asked her to file a stop payment to avoid fees on the account. She refused to file the stop payment and claimed that they can only file stop payments if they know the dollar amounts of the ACH item. When I told her this was incorrect and that they can file stop payments by merchant name/Individual ID, she assured me there was no way.

Two days later and 18 NSF fees later, I received a credit for the dispute, but not the fees. Upon calling multiple times, I'm told I will receive a refund within 24-48 hours, however I still don't see the fees reimbursed and fees are still being added as of today. 

After speaking to multiple representatives with the bank, I still don't have a reimbursement of the fees and they're just now freezing the account. The representative I just spoke with claimed that fees relating to disputes are not waived until the dispute is resolved, typically up to 45 days. 

This bank policy breaks Reg E as fees relating to unauthorized charges need to be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
Lender : USAA-XXXX XXXX XXXX Monthly Payment : XXXX My mortgage lender has refused credit card payment on my monthly mortgage payment. XXXX XXXX  XXXX claims that I can't pay debt with debt even though I payed all my credit cards and bills every month and the only actual debt I have is my mortgage. I am filing a complaint on their refusal to take my credit card payment and forced me to use my bank account to make a payment. Banks can't denied a credit card payment from consumers, specially when my credit card allow me to make monthly mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I applied for a VA loan during the week of XXXX 2019 for a refinance with pentagon federal credit union. I submitted every document they asked for that I could send them. It took them three months to tell me they could not give me a va loan. Is there due process or time line they should meet? I can not shop around for another loan and not hit my 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 2020-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In attempt to, Avoid Bankruptcy. 
Respectfully, request to process various complaints against, " Banks of America 's Robust Auto Loan Department. '' That uses the American Logo to, scrutinize accounts. 

This Banks ' Robust Auto Loan Computer Repossessed my Automobile, & failed to mail a notice ( documentation ) or, tell me over the phone of, when and where to recover the automobile? 
Even though, I was constantly in contact with the recovery department. Right, after, this Bank had taken the vehicle with all my belongings inside. 
Forcing me to, pay XXXX $ dollars to, retrieve my own property from, inside the vehicle. 
After, the vehicle was secretly undersold or Auctioned from, this location? 
Then, The Bank contacted me to ask for, the remaining amount of, money left on the contract, witch was a debt of, over {$10000.00} U.S Dollars. 

Why was I still been asked to, keep my side of, the contract? 

After., No-body had presented, " The Opportunity to, recover the XXXX XXXX '',  property that was still under contract. 

Is breaking their part of, the contract an illegal action, and deliberately harmful? 

Since, XX/XX/2018. I made many complaints to, all there different departments. Expecting, Some one would do, What is right?

( I ) To return my mode of, transportation.

( II ) To adjust their error-anus / erroneous Robust Computer Software '' That automatically transfers pending accounts to, 3rd parties ; Whom take the law into their own hands & into their pockets.

for, example " How many Vin numbers were under-sold, and then resold for, a fair price. In the shortest amount of, time? 
Dear, Repo workers, have u processed any documentation in lieu of, fair adjustments? or, how many people have been ( R.I.P.ed ) off / A.k.a, set/off by, the banks ' " Auto-math-ic / Automatic, transfers?

The Banks ' Reasoning?

Bee-cause " The Auto Loan Department is Under, " Staff ''. A Morbid, Virus that is only, high in response for, Collections?

Therefor. Who is Responsible for, taking property, Under contract. witch, left, a family without a reliable mode of, transportation & lost of, income that escalated to accumulated debts on, a credit report that does not, adhere a refinance or substantial new loan. Increasing a XXXX  veterans XXXX  followed by, XXXX, and XXXX?

In attempt to, Avoid Bankruptcy. Please, process

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 2020-02-01 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Non stop robo phone calls from Capital One credit card 6 days a week. I have told them I am represented by legal counsel and they continue to ignore me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
iThe problem is with XXXX XXXX XXXX XXXX reporting false, misleading and inaccurate information. Reporting accounts as delinquent when they in fact received payments. My payments were due on the XXXX of each Month, late fee added if payment was not received by the XXXX of the following Month. Proof of payments received to follow XXXX XXXX continues to violate my rights according to the Fair Credit Reporting Act despite repeated request to correct the issue! 

Please note that late fees were subtracted on XXXX and XX/XX/XXXX because payments were in fact received as agreed yet XXXX  reported payment as 30,60 and 90 days past due. Reporting an account as delinquent implies that this creditor has not received a payment when you will see that they actually did Called to speak directly with a representative XXXX XXXX at XXXX XXXX at the Office of the President @ XXXX XXXX,  unable to communicate with him. Please be advised that this is the 2nd complaint to the CFPB, XXXX XXXX stated XXXX  did not receive a XXXX payment, they in fact did on XX/XX/XXXX ( within 30 day grace period ) After payment was applied on XX/XX/XXXX the balance of this account was {$450.00}. Could not send the entire amount therefore a payment of {$240.00} was sent with a final payment of {$210.00} on XX/XX/2019. Yet XXXX  reported this account as delinquent implying NO payment was made or received. 

The also reported " pays as agrees '' in XXXX  2019 then 60 days past due the following Month/ XXXX. XXXX to XXXX is 30 days! XXXX to XXXX was reported as 90 days past due when the account was actually PAID IN FULL on XX/XX/2019.

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 2020-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian report number : XXXX Experian has violated my rights under the FCRA. 
I filed a dispute with Experian to dispute an erroneous entry by XXXX XXXX XXXX in XX/XX/XXXX. I was not notified of this debt or my right to dispute. I became aware of the entry to my credit report added in XXXX XXXX by reviewing my credit report. 
Please note that this debt was initially reported by a company called XXXX XXXX. I disputed the validity of this debt and Experian removed it in XX/XX/XXXX. 
It was then purchased by XXXX XXXX XXXX. 

I received electronic notification yesterday from Experian that the dispute was rejected. 
Experian failed to adequately investigate this dispute and failed to notify me in writing of why this dispute was rejected. Important to note, but not at all surprising, I was also not notified by XXXX XXXX XXXX detailing why this dispute was was rejected. 

Experian advertises a site to upload additional information supporting a dispute. It doe not allow Word or JPEG uploads. After entering the requested demographic information, I pasted my statement only to receive an error message. 

If this matter is not handled lawfully, I will have no other option than to escalate to legal options Below is the Original dispute sent to Experian : XXXX XXXX XXXX has violated my rights under the FCRA by : -Reporting erroneous information to credit reporting agency. 
-Failing to notify me in writing of the debt and of my right to dispute the debt. I learned of this debt after seeing it on my credit report. 
-This erroneous debt and negative entry on my credit report has impacted a decision resulting in a higher than expected interest rate. 
*This debt was purchased from XXXX XXXX after it was disputed and removed from my Experian report in XX/XX/XXXX. 
Verify this debt as legitimate including the original contract, otherwise remove it from my credit 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 explanation
Consumer complaint received 2020-02-01 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-02-01 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is an updated complaint to Complaint # XXXX. Equifax and XXXX  continue to report inaccurate information after their investigations. 

Confirmation # XXXX dated XX/XX/XXXX, from Equifax shows inaccurate information with XXXX XXXX XXXX for 2 accounts : Account # XXXX and account number XXXX. 
Account number XXXX has been changed to less than the true amount paid which was XXXX. It is now reduced to XXXX. 

Account # XXXX, this account should have closed XXXX my original request, payments were made on this account between XX/XX/XXXX and XX/XX/XXXX that are un accounted for with no explanation by the creditor, leaving the amount owing, dates of service and past due amounts-if any? both erroneous, tainted and proves no actual investigation done from either agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a check for my mom in my checking account in XX/XX/XXXX. She asked me to deposit the check because she didn't have a bank account to do it herself. I agreed. However, I told her I didn't know how long it'd take to clear. ( I was anticipating that it would be clear the following business day as per the bank 's policy. ) But, that didn't happen. I unfortunately deposited the check past the allowed time frame for it to be available in ones 's account the following business ( XXXX XXXX ). Fast- forward -- I gave her back the check and told her to cash it instead if she couldn't wait for it to clear in my account. I was fine with the check being returned. My mom proceeded to cash the check and got the funds. The check had cleared unbeknownst to me the following business day. When I told her, she felt bad that she had cashed it because it had cleared in my account. After a few weeks, the check cashing place, XXXX, had called her and told her the check had been passed twice, and that she owed them the entire amount of check. My mom immediately took her next check and paid them in full. XXXX received payment and the issue was resolved in XX/XX/XXXX. Bank of America NEVER sent me any correspondence regarding the check having ANY issues whatsoever until XX/XX/XXXX. I noticed that my checking account was overdrawn by {$410.00} ( the amount of the check back in XXXX. The difference is {$9.00} because I had {$10.00} in my account before it was overdrawn ). I immediately called them and asked what happened. The lady I spoke with said that I'd have to wait for " it '' to process ... Evidently the check was charged back to my account, so she didn't make any sense. So, I asked to speak to an available supervisor. A guy name XXXX came on the phone and I began to explain the issue. He listened but also reiterated the same thing the last representative said. I told him that XXXX had gotten their money back, so that dispute was corrected promptly. ( I even offered him the number to call them himself to corroborate my story, which he didn't do ). It was a mistake, but everyone got their money, including Bank Of America. Actually, XXXX said the same thing of, " the check was passed twice ), thus my mom had to pay them back. I am upset at the fact that it took 3 months for this to even happen. Why wasn't this brought up a lot sooner, if it were a problem? I am not PAYING a single penny back to Bank Of America because I do not owe them anything. I asked if that could be removed and I was told, " no. '' I am very displeased with how I am being treated. Bank of America should do their due diligence before making such poor business decisions. I can not use my account without having to pay {$410.00}. Grossly unprofessional and sheer negligence.

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 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EXPERIAN KEEPS VIOLATING THE LAW. ON MY CREDIT REPORT ( PROOF ATTACHED IN THE FORM OF AN ATTACHMENT ). SHOWS THAT THEY OPENED UP A DISPUTE TODAY XX/XX/2020 AND I DID NOT CALL THEM OR MAKE CONTACT WITH THEM TODAY. THEY ARE INCORRECTING DISPUTING ACCOUNTS AND PLACING FRAUDULENT STATEMENTS ON THE FOLLOWING ACCOUNTS AND IT IS MAKING IT DIFFICULT FOR ME TO GET A MORTGAGE. 

1. XXXX/XXXX  2. XXXX 3. XXXX XXXX ( TWO ACCOUNTS ) XXXX. XXXX/XXXX  5. XXXX XXXX 6. XXXX/XXXX  THESE ACCOUNTS WERE NEVER DISPUTED, THEY WERE NEVER QUESTIONED AND YET EXPERIAN KEEPS PLACING FAKE DISPUTE CODES AND REMARKS ON THESE ACCOUNTS TO MAKE ME LOOK BAD. THE BANK SEES IT AND SAYS WHY ARE THESE ACCOUNTS IN DISPUTE AND THEN I HAVE TO TELL THEM THAT I HAVE NOT DISPUTED THEM. 

WHY DOES THE CFPB ALLOW EXPERIAN TO KEEP DOING THIS. I AM SICK AND TIRED OF SEEING THIS STUFF ON MY ACCOUNT.

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 2020-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
My bank bill pay stopped sending auto payments to my student loan company without my knowledge. I was unaware of this and was not contact by AES until after the payments were 60 days late. Once they called my I immediately issued payment, cleared up the issue with my bank autopay and continued making regular payments. I was then rejected for a home loan and car loan making it really difficult for me to care for my family. Upon learning from the mortgage company that I had a 60 day late payment from AES I took action. I explained my situation to AES and send them a letter requesting a Goodwill removal of the late payments. They immediately sent me a rejection letter. 
For 10 years I have paid on time and having student debt is a challenge for me and many others. To have a student loan company so quickly reject a goodwill request and harm me and my family is infuriating. 
AES 's new policy surrounding approved forbiddances covering and reversing any late payments should be illegal and is harmful to many. Please help me by looking into this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On Friday XX/XX/2020 I attempted to call on the phone to Equifax they were unable to verify my identity over the phone I know I answered everything correctly so I'm concerned that there's some misinformation in the Equifax credit report file how do I go about correcting that if I can't reach anybody. furthermore I would like a free credit report cuz recently I've applied for some apartments and Rental credit checks were ran and I had a new bank account so I think I should be able to get a free credit report if not I think it's a new year of gen XX/XX/2020 so I should be able to get the annual free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I called TransUnion credit bureau and they are unwilling to verify my identity over the phone and they keep repeating to me asking me to mail documents in and I'm getting sick of it I want a free annual credit report and a courtesy credit report spaced apart to check for accuracy and inaccuracies.

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 2020-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020. 

According to the law that all three bureaus -Transunion , XXXX , and XXXX  ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.

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 2020-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Got a letter in 2017 from the mortgage company saying they deferred all past payments and start fresh. Husband got sick and didnt keep up payments. Now they are saying that the the deferred payments thing didnt go through.and to restate the loan we would have to pay XXXX! The company is nation star. And they only gave us two months to figure this out! We have lived here 20 years my husband has XXXX. Please help us

Company response to consumer: Closed with explanation