vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
1. XXXX XXXX COMPLAINT. 
While banking with XXXX XXXX bank on XX/XX/XXXX. I ran into the trouble with finding employment. As member, I had choice to pay my bills automatically. Going through the struggles, I asked XXXX   XXXX bank to cancel the incoming automated payments bills, instead they informed me that this was not possible. They informed me that this was solely on system. By the end of all this, I had {$950.00} in fees with bank which I paid all of it off to the bank. Bank having little satisfaction, it reported me along with my social security to all its associates and many other financial industries as risk customer. I soon realized that since my name can be found into XXXX XXXX XXXX which completely sabotage my life and shaded my reputation even after I finished paying off the debt that I owed. I would like your office to have XXXX XXXX bank do its duties by taking off my name off XXXX XXXX XXXX as risk customer and stop ruining my reputation. 







1. USAA COMPLAINT. 
While banking USAA bank on XX/XX/XXXX. I fell for scam employment which I happened to receive job offer working from home. This offer came with funds to purchase computer equipment and pre-paid life insurance. Being hesitant customer, I informed USAA customer services that I did not completely trust this new employment since I did not know if the fund were really. I received cashiers check in mail which I went ahead and deposit into my account with USAA. I waited for while for all the funds to be available and USAA customer services insured me that there was no problem with check. So, I started purchasing equipment and other things needed for the job. Within 72 hours, USAA bank fraud department told me that check was fake, and I was responsible for it. I was treated as perpetrator instead of victim. I reported incident to the FBI and I informed the bank that I was not nearly perpetrator and nor responsible. I informed the bank that the case was reported to the proper authority. I maintained my innocence while informing the bank that it failed to do its duty. The authority informed me to stop talking to this employer. USAA bank reported me to XXXX XXXX XXXX and other financial industries as risk customer and shaded my reputation. I would like your office to investigate this matter and advise USAA bank to remove my social security off XXXX XXXX XXXX and stopped ruining my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I am writing in response to Rushmore Loan Servicing Response dated : XX/XX/XXXX regarding my CFPB Complaint : XXXX. I am requesting that my loan be transferred to another Loan Servicing Company. Your Response on XX/XX/XXXX is still full of lies and misconceptions and is still Retaliatory and I will be escalating these issues to VA & Congress. 

We did complete a Loan Modification Application with XXXX XXXX who placed our account on a Forbearance through XX/XX/XXXX and transmitted this information to you. Also, your letter that you referenced in reply to this complaint - XXXX does not explicitly state that date which has been communicated to Rushmore Loan Management Servicing over 15 times via, email, phone, and CFPB Complaints. These statements contradict your false accusations, as if we did not complete a Loan Modification Application. 

Secondly, I have attempted to get in contact with XXXX XXXX over 5 times and have left 2 Voicemails on last week with no reply. I also called today and receive voicemail and had to be transferred to her again by another Representative. Why do you assign accounts to Representatives who have not intentions on reaching out to the Consumer. I was trying to reach her to levelset and touchbase on my status, but there was 0 attempt to reach back out to me. 

I am requesting that my Loan and Forbearance status be reassigned to another Loan Servicing Company which has our best interest in mind without polluting lies and stall tactics when we are making concerted efforts to speak with a viable experienced Loan Modification Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This debt just showed up on my credit report today. 
It was first reported by XXXX XXXX XXXX XXXX Now it is in the hands of Caine-wiener. 
The amount is for {$500.00} and from what I understand this is an online betting debt and that is something that i have never done. 
I dont know how to work a computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: IL

Complaint narrative:
Transunion has had my account frozen and... " In Dispute ''.. for over 4 months. I can not even get a response. I am on hold till they obey the law.

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 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Signed up for an XXXX Credit Card with Chase. Met the spending the requirement to get the promotion miles bonus. Earned around XXXX miles which showed in credit card Statement. However, those miles never posted to my account. Called three times in XX/XX/2018. Sent secure message in XX/XX/2018. However, the problem is still not solved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I was scammed by a person over a resale app. The money was sent by XXXX and was directly accesssed by US bank online menue. 
After the scamner received the money, he was supposed to send me the tracking number right away. 
I did not receive a tracking number nor a product. 
I called US bank to dispute and they sent me a rejection letter. 
Called the XXXX number provided in the letter and was transferred 5 times calling the number that I was supposed to call had I had any questions. 
Went to a branch, the manager refused to talk to me said that I need to call the 24 hour banking telephone line. 
I told him how he is not willing to hear me discuss a fraudulent scenario before there are more victims, as a bank manager???!!! 
I came and XXXX some info to find out similar issue with banks and this money transfer company called 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 2018-08-13 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: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
Portfolio has been disputed and refuses to validate. They send their own typed up letters and computer printouts of statements over 4 years old. There is absolutely nothing on my credit reports that show any charge offs that Portfolio is claiming to collect for. They are now refusing to validate any thing else which now they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
A negative mark was put on my credit report for missing the annual fee for the credit card. I call and explained that I didn't realize the fee. If the fee isn't paid the card should be canceled and not report as delinquent. No payment was ever missed for actual credit card use on purchases, and the fee was addressed as soon as realized. I am looking for the negative remark to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I have a home in XXXX for 15 years with my wife. My wife passed and i had to go get the home changed into my name. M & T bank knew that and after a long court case got it into my name. I was working with XXXX XXXX XXXX XXXX and they approved my claim and was trying to work with M & T bank on a loan modification. We had been talking for 3 months working to get a deal done and M & T bank had a servicing company call XXXX which was supposed to service the loan but XXXX XXXX XXXX XXXX doesn't work with servicing companies only with banks. M & T was to talk with XXXX to keep them updated on what was going on with the deal we were trying to make but M & T never kept XXXX in the loop. XXXX then lied and said they spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX and stated they got a denial letter from XXXX XXXX XXXX XXXX. I talked with XXXX XXXX XXXX XXXX and they said they never spoke with XXXX and that my case was still pending. Neither me nor XXXX XXXX XXXX XXXX recieved and type of foreclosure notice or even a letter stating forclosure was immenent. On XX/XX/XXXX they forclosed on my home and took away any options i made have had which included short selling. They didnt wait the 20 days they are supposed to and have started to remodel my home. Im looking to get the foreclosure reversed so i can take my home back and either keep or sell. I would love to have help in this dire circumstance

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Four years ago when I received a copy of my credit report it listed 2 addresses that I never lived at. I contacted the credit reporting agencies and they said they would remove it. They did but then put them back on and added another one. I spoke with XXXX at Equifax last week trying to find out who is submitting this information so I can contact them, and he gave me the run around and would not tell me who is submitting this information. He gave me the phone # for Business Customer Service and said try them. I spoke with XXXX and she told me she could not help me. I called back and spoke with XXXX. When I explained to him why I was calling he said to me, maybe you are better off not knowing. I want to know so I can put a stop to it. They have me living at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. There is no such address. I have been living at XXXX XXXX XXXX for 37 years and there is no such #. They have me living at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. That is my lawyers home address. I do not live with him! They also have me living at XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have never lived there. I have never lived out of the state of NY. After speaking with XXXX he said he would send me an updated report with the addresses removed. They are not removed as I received the report today but listed as previous addresses. I want them removed! I have never lived at those addresses and I want to know who is submitting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: AZ

Complaint narrative:
I have contacted the XXXX  and Transunion and requested they immediatly remove fraudulent, incorrect debt collection from my report that is in no way related to me, or my household. The debt is for a XXXX hospital I have never visited, and have no knowledge of. The debt is posted by XXXX from XXXX, California. I asked them to revove the informaiton immediately and they remove, then repost repeatedly. Please help 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 2018-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was a victim of the XXXX  credit profile data breach, I now am a paid subscriber to all the 3 main credit reporting agencies, I noticed on several of the credit burros were reporting inquiries that I never made or asked for. the credit burros worked with me to investigate them and settled them accordingly.. 


I called Transunion 6 months ago to report to them I didn't know who 5 of these inquiries were form they refused to listen to me dispute them, I told them I disputed them, and they asked me to got to the police and get a police report then they would delete them from my credit profile. I went to the XXXX city police department, XXXX precinct. a police officer at the desk told me they had no way of knowing if the crime occurred within XXXX city or not, the lady officer did give me a police report pamphlet with a note saying as much with her phone and badge number..i faxed this with my dispute letter to Transunion. when I called in the next day the transunion representative told me what I had sent in was not sufficient to investigate my claims that I didn't know who made the inquiries.. 

I called again and got another representative who told me anyone can pull me credit without my permission and this was the law, but I read on the government fair credit act I have to give permission, which in these 5 instances I did not give permission and I am certain I didn't.. 

the 5 inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dispute these inquiries on my credit report because I never gave my permission for 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 explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2018, I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything.They have reported delinquent information the credit bureaus that I am asking to be deleted. Also, they are trying to collect debt that does not have my name attached to 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 2018-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Background : I have been making ontime payments every month since XXXX to my student loan lender Sallie Mae, When they sold my loans to Navient I have made payments every month on time since. I make over XXXX $ payments every month! ( I also have XXXX kids, a mortgage, and 2 car payments ) I first went to school in XXXX, I left in XXXX. I went back to school in XXXX and graduated in XXXX. 

I called Navient shortly after I graduated to set up payment options. They would not let me put my loans in forbearance. They would not let me consolidate them or try to get a fixed interest rate. The most they would let me do is set up a payment schedule, so I set up a 10 year repayment plan. 

I have been following up every other month or so to make sure my loans are still on track. I checked yesterday and it appears that my two biggest loans in the amount of ... 

{$20000.00} had an increased interest rate, it used to be under 10 % now it is 10.375 % also, my loan of, {$17000.00} had an increased interest rate, it used to be under 10 % now it is 11.25 %!! 
( my total loans are over XXXX $ federal and private ) I called Navient today to figure out why, and also how they expect me to pay these off if they keep raising my interest rate but the office is 'temporarily closed '. 

I logged on to XXXX to see if anyone else had this issue and I found out the CFPB has filed a lawsuit with Navient and I didn't know. I live in Washington ( XXXX ), and have for 20+ years. This is one of the states that have filed the lawsuit and I would like to get more information please. I do feel that I have been wronged and have made every effort to make payments to get out from under this burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Different collection agencys keep recycling old debt over ten years ago and keeps reporting on my credit report that it is a new debt the debt was sold to collections agencys over and over again and they are falsely reporting to credit agencys

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 2018-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
In XX/XX/2018 I refinanced my student loans into one. I consolidated about 5 student loans into one loan with XXXX Bank. One of my loans with American Education Services was paid in full and an over payment was due back to me. The amount of the over payment was XXXX. I received the over payments for all the other institutions except this one. I called and ask for information, all I was given was that since a 3rd party paid the loan off the refund was sent to them. I requested additional information, IE where the check was sent to, was it cashed, how me or my account was referenced and what documentation accompanied the check. They stated they would research this for me and get back to me. I received no calls from them and called back. Receive information the check was never cashed and their policy was refund to the 3rd party bank. Again i requested additional information, to be told I would receive a call back. Again, no call every made to me. On XX/XX/XXXX I spoke with XXXX Employee XXXX who told me they would refund the check to me directly and verified my address. It is XX/XX/2018 and i had yet to RECEIVE A REFUND.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/18 I have paid my XXXX XXXX XXXX credit card, issued by XXXX Bank, account in full ( {$110.00} ) on XX/XX/18 and continued to get charges for late fees and minimum interest charge on an {$0.00} balance. This has happened to me on three separate occasions during the last 2 years. I received a call concerning a {$110.00} balance and was confused because I knew for a fact that the account had been paid in full. I did not understand what was happening until I pulled up my account online. I called the company ( XXXX Bank ) and was told that they would take the {$110.00} in fees off. I am complaining today because I know other consumers may be affected by this unfair banking practice by this company ( XXXX Bank ). Not only is this account affected by this unfair practice but my credit report has been affected as well as the company report late and missed payments to my credit report. 

Please Help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Michigan Mutual, Inc.
State: MI

Complaint narrative:
I purchased my home almost two years ago now. My payment amount has fluctuated due to escrow changes, but in XXXX, my escrow amount increased by almost {$200.00} more per month than it has been in the past ( prior monthly payment amount was {$700.00} and in XXXX it was {$890.00} ). My actual taxes owed for the year is a total of {$1200.00} and homeowners insurance is {$680.00}, for a total for the year of {$1900.00}. The mortgage company is charging me {$3700.00} for the year ( based on the {$300.00} per month shown on my statements ), which is more than the 1/6th total allowed by section 6 of the RESPA. 
In contacting the mortgage company, I was told they had made a mistake in estimating my property value, and that as long as I sent in copies of my property tax statements, they would fix it immediately. These statements have now been sent in multiple times by myself via email, fax and now certified letter, and by the township treasurer where I reside. I have also called almost half of every business day in both XXXX and XXXX, and answered calls from their collections department when they have called me. The individuals in the collections department have either mimicked me when I have answered ( I always answer with " hello? '' and one individual has just repeated me without saying anything else ), or they just sit in silence instead of responding. It has now been 4 months and my account still has not been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation