vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I PRESENTED WHAT I WAS TOLD I NEEDED TO, IN ORDER TO CANCEL MY AUTO INSURANCE WITH USAA. ( AUTO CANCELLATION FORM FROM XXXX XXXX XXXX HOWEVER USAA IS NOW TELLING ME I NEED TO PRESENT A DIFFERENT FORM IN ORDER TO CANCEL MY AUTO INSURANCE, YET THEY DON'T HAVE THE FORM. 

ALSO, PREVIOUSLY, WHEN I HAD AN ACCIDENT, THE DAMAGE WAS QUOTED {$1400.00}, BY THE USAA EXAMINER, YET THE VEHICLE WAS WORTH {$3000.00} AND THEY CHOSE TO CALL IT A TOTAL LOSS AND SALVAGE THE VEHICLE AGAINST MY WILL. I WAS FORCED TO SELL THE VEHICLE AT A LOWER THAN MARKET VALUE. 

KIND REGARDS, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I am requesting that SN Servicing Company reply with an electronic pay off statement for my XXXX XXXX XXXX XXXX, XXXX house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I purchased a sectional sofa from Ashley Furniture on XX/XX/XXXX which included a loveseat with a power recliner on the end. I put the furniture purchase on my Ashley Furniture credit card which is issued by Syncrony Bank. When the furniture was delivered on XX/XX/XXXX, there was no recliner on the end of the loveseat. I called the Ashley Furniture store while the delivery was happening and I spoke to the sales rep that I worked with. She said she made a mistake on the order and put the wrong number on it which was for only a plain loveseat with no recliner. I told her I couldn't wait another 3 months for a corrected sectional and that I would just keep the sectional that was delivered but wanted the refund for the power recliner that I didn't get. The sales rep said she would have the manager do the refund and they would take care of it ( she stated it was approx. XXXX difference in price ). 

I still have the full price charges on my card and I have tried 3 additional times to rectify with Ashley Furniture but they keep telling me they will take care of the credit and get back to me ... but no one does. As of today, the charges are still the full charges for the sectional sofa that I did not receive. They never let me speak to the manager who is supposedly in charge of issuing the credit ... I am always told that the employee will get right on it and the manager will issue the 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 monetary relief
Consumer complaint received 2020-11-20 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I recently challenged the validity of RECEIVABLES PERFORMANC ( Original Creditor : XXXX XXXX ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same 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 explanation
Consumer complaint received 2020-11-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2019, LVNV Funding LLC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, LVNV Funding LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
I am trying to get a modified interest rate with Loancare, a division of XXXX, and have provided all necessary information. I have paid on my mortgage and am on time and up to date. I keep getting a robocall asking me to call and that can not be answered other than to respond to the " customer service? '' toll free number. XXXX XXXX XXXX. On XX/XX/XXXX I first spoke to customer service who told me to talk with Loss mitigation. I was on the phone, mostly on hold for 38 Minutes while loss mitigation tried to figure out why they called me. It was stated that I am current and no issues exist with my account so why do I get what I call harassing robo calls on XX/XX/XXXX and XX/XX/XXXX telling me to call them now.?? 
This is a illegal action and harassment over NO issues with my account. I continue to contact XXXX XXXX by mail but she will not offer the common courtesy of talking to me and continues to offer excuses and no support. I have contacted XXXX XXXX CEO and XXXX XXXX COO and they have not had the decency to respond or try to help me. XXXX XXXX Veteran home owner

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 2020-11-20 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Ex husband failed to refinance his truck to his name. My name was left on the loan. He made all the payments ( automatic from his account ) on time except the pay off amount, {$58.00} and a payment in XX/XX/XXXX of {$330.00} that I paid. I received a call from the loan company ( Gateway Lending ) at the time and paid it to save my credit. It is in the divorce decree that the truck goes to him. I did not know that I could have put in a motion to basically make him refinance and get my name off. I know now : ( The present company ( Santander ) never sent notification until it was 30 days late. 
I called Santander to get info on how to dispute this. Attached is the docs I sent to them. On XX/XX/XXXX, they sent me a letter saying they reviewed it and unable to process to remove as an act of " XXXX ''. I am not asking for goodwill, I am asking for what is fair. 
They then explained in the letter how I could submit a dispute to the same place I just submitting my info to. I am thoroughly confused. Letter attached.

My credit score was XXXX and dropped 91 points. I would gladly share my credit report to show that missing a payment is not my pattern. 
I submitted the same information to XXXX - Report # XXXX and they are now reporting another 30 days late for XXXX ( pay off was XX/XX/XXXX they updated it XXXX ). I will not give up on this. I worked too hard to achieve good credit and for {$57.00} this happens. I can not give up on my good credit standing and what is fair to me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
U.S. Bank Reliacard has yet to solve my dispute nor have they issued the provisional credit I was told I would receive. XX/XX/2020 I called and disputed fraudulent charges on my account. I was sent a dispute form to fill out and either fax or mail back within 10 business days which I did on XX/XX/2020 and I havent heard anything back yet. The dispute form states that a credit will be issued when they receive it back. I called about 7 times since then and every rep I spoke to acted like they didnt know anything. The last rep I spoke to just said I dont know it takes time. Its annoying and unprofessional.

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 2020-11-20 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: NJ

Complaint narrative:
I have asked TransUnion, XXXX  and XXXX to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.

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 2020-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.

Complaint narrative:
Completed a short sale, received approval to patriciate and gave me a number they wanted for the offer. The Realtor got amount requested, buyer is ready to settle. The lender keeps rescheduling which is postponed each time. I have a buyer ready to go to settlement immediately and the lender is refusing to send the approval prior to sheriff sale. This is the third time they have done this. The buyer has offered appraised value that the lender already said they would accept. Buyer is ready to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: IL

Complaint narrative:
I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Transunion did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of Transunion requesting a sworn affidavit by me the consumer given Transunion written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. Transunion did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line. 

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; Transunion has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person ( corporation ) are an exclusion as well Transunion has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. Transunion is civilly liable for each action committed against me

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 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
We are filing a complaint against Rushmore Loan Management Services. We are in a forbearance due to a natural disaster until XX/XX/XXXX, that has been confirmed. Even though we pay our monthly escrow payments as agreed on time, and never missed a payment, they keep reporting us to the Credit agencies as being over 180 days past due since XX/XX/XXXX. This has caused our credit score to dramatically drop over 130 points each. Although we continue to call the Loss Mitigation dept weekly and leave constant messages with our Point of Contact Reps, we do not receive any call backs from them. We have gotten through to other reps in that dept occasionally that can see the remarks in their system and confirm we are in a forbearance which we have a certificate and letter confirming as well, and they say that we should not be getting reported and insist it will be corrected and they will forward our information to a manager for prompter assistance, but so far nothing has been rectified or addressed. They even recommended back in XXXX that we write a dispute letter, and provide copies of each of our credit reports showing the inaccuracies by at least one of the Credit agencies proving our claims and fax to dispute department, which we did do on XX/XX/XXXX. They sent us a letter on XX/XX/XXXX saying they were taking the derogatory marks off for XXXX and XX/XX/XXXX only and it will take 30 - 45 days, however our reports as of today XX/XX/XXXX, are still showing delinquent and past due 180 days for XXXX, XXXX, XXXX, and XXXX and our scores are still down over 130 points. Also, we get at least 2 calls a day from Rushmore 's automated system claiming we are past due on our account, and we have received letters on our front door every several weeks to call them about our " past due '' account. We continue to call and continue to leave messages with the Reps and still this has not been rectified and we are beyond frustrated now. We have also contacted the Credit agencies ( XXXX XXXX, XXXX, and XXXX  ) and disputed the derogatory marks as well, but they responded to us that they are being told by Rushmore Loan Services that we are still past due on our account over 180 days, which is incorrect and very frustrating for us. We are at a loss as how to get this corrected and need assistance asap so we can get our credit scores back up over the 130 points that has dropped because of these inaccuracies reported to the Credit Agencies. Any help would be extremely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: NJ

Complaint narrative:
I have asked XXXX, XXXX  and Equifax to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: NJ

Complaint narrative:
I have asked XXXX, Experian and XXXX  to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.

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 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MD

Complaint narrative:
I recently refinanced and transferred loan servicers from The Money Source to XXXX. During the transfer of service, The Money Source did not send over payments that I made after my XXXX mortgage to XXXX XXXX. XXXX XXXX is sending me statements asking for a XXXX payments with late fees. I know those fees will be waived during the 60 day grace period but my complaint is that The Money Source should have sent over the additional payments I made in XXXX because they were before the official transfer date to my knowledge. I have contacted both companies several times inquiring where those payments are at and also asking for an explanation on why The Money Source hasnt transferred those additional payments I made yet to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
On XX/XX/2020, Southwest Credit Systems added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, Southwest Credit Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We applied to Citibank for refinancing in XX/XX/2020. The loan was still not approved in XXXX. We applied to XXXX XXXX  in XXXX and notified Citi we did not want to pursue the loan with them. The loan officer contacted me and asked what rate XXXX was offering. The loan officer contacted me again, informing me that if we could provide additional documentation the loan would be approved immediately. Then they pressured us into canceling the application with XXXX, by saying they could not approve the loan because we had a loan with XXXX. 
The loan was finally approved XX/XX/XXXX but we still have not closed ( today is XX/XX/XXXX ) and have no information about when we will close. 
If we had stayed with XXXX we would be closed by now.

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 2020-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MO

Complaint narrative:
XXXX XX/XX/2020 An unsolicited USBankReliaCard was mailed to me at an address I have not lived at for four years. The card was forwarded to me by the current resident at that address. The card is supposedly for receipt of unemployment benefits from the Colorado  Dept of Labor and Employment ( CDLE ). I am retired. I am not employed. I am not unemployed. I did not file for benefits. I have not lived in Colorado for four years. I have not been employed in Colorado for many more years than four. I believe this an attempt at fraud or identity theft. I have attempted to contact USBank ReliaCard to deactivate the card, but can not get anyone to answer the phone. I have notified the three credit reporting agencies of this potential fraud activity. I have filed a fraud report with the CDLE. I have attempted to file a report with the FTC and have been directed to this bureau. I plan to file a police report.

Please notify me if there is something additional I can do to stop this fraudulent activity.

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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime bank does not allow adding most banks as external bank accounts on their site/app, as well as adding Chime as an external bank account on other banks platform or allow the other bank to validate Chime via trial deposits. 
Even when I am able to finally add ONE external bank on their site, it can not be used as the source account to transfer funds into Chime. Ridiculous!! 

Also, their mobile app provides the capability for mobile check deposits but they do not accept checks. Really? 

They do not have any kind of phone support. Not sure which part of the world their email support is outsourced to, but the reps have no knowledge of how their own bank operates and can not answer any question or address any issue.

Company response to consumer: Closed with explanation