vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I applied for a mortgage with USAA. I was preapproved for $ XXXX. I purchased a home for much less than that at $ XXXX. I had several issues with my loan processor and most importantly with her supervisor in bullying/insisting that I sign a waiver to my right to my appraisal within the allotted 3 days before closing timeframe or they would push back my closing. The appraisal was requested on XX/XX/XXXX. It was initially received on XXXX and it appraised for less than list. Keep in mind that the home was built in XXXX at XXXX sq feet. The average price for homes of that size in the area are north of $ XXXX XXXX zip XXXX ). 
My first complaint is the appraisal process -- these homes should not go into " XXXX '' which is not a TREC term but a SA term because of the high number of appraisals undervaluing the homes even though comparables support the list prices. I feel this is modern-day " red-lining '' to keep certain XXXX groups of middle income from buying in up-and-coming neighborhoods. 
2. My second complaint is the legality of USAA forcing applicants to sign a waiver to receive their appraisal report within the legal time limit. I have emails and documentation to support all of my complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: PNC Bank N.A.
State: DC

Complaint narrative:
I opened a complaint on PNC improperly using my information to run a hard pull for a secure credit card on my personal checking account. Today I had a call with XXXX from their client executive relations office. I would like to inform the protection bureau that she threatened me saying i would have to subpeona the call if I could. She then said she did not know why I had called her. Further, she was not able to articulate her stance when i mentioned that I was with the XXXX XXXX branch this morning and they said that she would handle the issue without their interference. I am completely confused at this point as I did not sign up to obtain a card from the branch - yet a hard pull was conducted without my permission and PNC branch acknowledges that but the executive office is unable to comprehend that simple error - in fact it seemed that my english and accent was an issue. I am humiliated with this situation. 

I have also been threatened that I would have to open a case against PNC to get redressal on this issue. I am extremely worried that my mortgage would be used against me as a single mother and small business to try and deny me loans and credit along with housing along with age discrimination and XXXX harassment that has been ongoing from 2021. 

Please provide relief through an executive who does not insult her company when she is working with a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a member in good standing with my Capital One CC until last XXXX when the creditor apparently charged us an annual fee on a credit card that was paid in full. Please also note that prior to the payoff we had our payments set up on auto pay. We did not receive a statement in the mail showing that we owed a balance nor did the creditor attempt to reach us by phone. We have never missed a payment with this creditor ( or any others for that matter ) so I find it extremely unethical for them to ruin my credit over missing an annual fee payment. I dont think its fair that people should receive hits to their credit for any types of fees ( anything that does not include charges or interest ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 15 U.S. Code 1681b ( a ) ( 2 ), my consumer report must only contain information in accordance with my written permission for it to contain. I have not given permission for any of this information to be on my report. 

I spoke with XXXX, an agent of the Experian consumer reporting agency, and informed her there was information on my consumer report that had been unlawfully validated and deemed true. As the consumer, I am the only person who can validate a debt and informed her that this alleged debt was not mine and that it needed to be removed. 

She then stated they'd completed an investigation and found that the information was accurate. However, according to 15 U.S. Code 1681a ( e ), that means they'd conducted interviews with my family, friends, and anyone who would be able to speak on my character as the consumer. They did not do this. Therefore did not complete a lawful investigation and these items must be removed. 

XXXX then preceded to hang up on me after informing her that this information was incorrect and should 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 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for a XXXX capital one credit card with a promotional bonus of receiving XXXX $ cash back when you spend XXXX $ or more within the first 3 months of opening the account. I spent more than XXXX $ within the first 3 months and never got my bonus. I just assumed it would take some time to show on my account. A month later on the XXXX month I call customer support to ask how I would be receiving the XXXX $ cash back and when I could expect it. They apologized for the inconvenience and after wasting an hour tell me that it will show up on my account for the next billing cycle. Then the same thing happened again the next month. I called in because i did not receive the bonus. After the XXXX month of me calling in again then they said that I did not qualify for that bonus and that the bonus I did get was a 0 % APR for the first 15 months. This was not the bonus I was supposed to get. This is fraudulent and misleading advertising because they still have it up on their website that you will get a XXXX $ bonus cash back. This is ridiculous that Capital One can claim that I will get it in the next billing cycle and then give me the run around for months just to say that I did not qualify for the sign up bonus which is still being advertised on their website. The only reason I opened that credit card with them being a new member was to receive the XXXX $ cash back. I will not be using Capital One in the future for misleading and fraudulently changing my bonus to something that I did not sign up for without my consent. Be aware of CAPITAL ONE, shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I wanted to summarize my unfortunate situation where Amex refused to honor one of their Amex credit card products welcome offer when the online application successfully went through with offer confirmation from Amex representative at time of application. On top of that, I also received solicited application offer for the same card that was mailed to my physical home addressed to me from Amex at time of application. Since then, I met all requirements by now and only then Amex is telling me that they will not honor the offer. Spoke to multiple Amex reps since the complaint where they claimed investigation was done and that decision is final that they would not honor it without valid and detailed explanations despite their mistake and misinformation during my application and failure to explain why only now months later am I told I dont qualify for it. They went through the recorded phone calls and confirmed/admitted the mistake made by Amex rep and said that they will improve their coaching in future. Amex did not show any remorse and did nothing else to compensate for the mistake they caused that significantly impacted my situation. I was denied a subsequent request for further investigation and escalation. I do believe I have my consumer right for a fair and thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
im writing this complaint because ive obtained my credit report and seen the some questionable items on there that are very dangerous and a burden to my consumer report. the unjust and unfairness of the credit bureaus has caused me a great deal of financial stress. please help me resolve this matter as it is a surprise to me that these items are on there when never authorized for my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
the following account was never authorized to report on my credit, and is hurting me, please see below the account on my report Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
My principal payment only wasn't applied or reversed until XX/XX/2021, the payment was taken out of my account XX/XX/2021. I get charged a daily interest on the daily principal balance of the loan. XXXX  is now reporting a incorrect balance on the loan than what Bridgcrest is showing on my statement. A difference of over {$400.00} more than what is actually owed on the loan as of today. I have included a snap shot of both.

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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NFCU charged my accounts off in XX/XX/2019 to a brocker/pllc collection company on XXXX XXXX the payments were sent to XXXX XXXX XXXX XXXX in the amount that was agreed upon to settle both accounts. 
XXXX XXXX the money orders cleared XXXX XXXX XXXX XXXX and I receive literature saying both accounts are settle and closed, also the money was being sent over to NFCU. I called NFCU the following week to receive a status on the accounts and when they will update my credit. I was advised by the rep that once they recieved the payment the information would be updated. 

XXXX XXXX updates were made to my credit not reflecting any of this information, balances are still being showed, inaccurrate information is being reported wth such wording as " paying in under partial agreement '' which is not accurate at all. the accounts are settled and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
im writing this complaint because ive obtained my credit report and seen the some questionable items on there that are very dangerous and a burden to my consumer report. the unjust and unfairness of the credit bureaus has caused me a great deal of financial stress. please help me resolve this matter as it is a surprise to me that these items are on there when never authorized for my permission.

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 2021-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING MISTAKES REPORTED ON 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 2021-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING MISTAKES REPORTED ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: VA

Complaint narrative:
This loan was XXXX a chapterXXXX bankruptcy that was dismissed the titles was released and the vehicles weer salvaged. I feel like the company violated bankruptcy law. Also predator lending. Also i have a court order from the vec that my unemployment my not be approved until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: MS

Complaint narrative:
I was contacted by this company in regards to a medical debt. I informed the company that the debt was never sent my my health insurance. They stated they would send to my insurance. I also informed them that this was for a work related injury while in the military. Then I saw a negative report show up on my credit score from the same company that stated they would send the claim to my insurance. I contacted my insurance company and they stated they never received a claim from the creditor in their records. I then contacted the company to attempt to get them to send the claim forward and request why they did not send this to my insurance as they told me they would do. They also claimed that they did send it to my insurance even though my insurance company has no record of the claim being sent to them. They stated that another firm took over the debt and they would not help me. So, then company put a negative remark on my credit for a bill they refused to send to my insurance to get paid out for a work related injury while on military duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax XXXX XXXX XXXX : https : //eligibility.equifaxbreachsettlement.com/en/eligibility

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I co signed for a rental property with cherry chill properties in XXXX and was told my name would be removed from the lease after a year. My mother which is XXXX XXXX passed the following year in XXXX of XXXX. I informed XXXX hill properties of what happened and notified them that I would be moving. I also stated that my sister and brother would still be there and was told that they could live there under my moms name if they paid the rent and to give a 30 notice by email, which I did. I moved XXXX XXXX. I still kept communicating with XXXX XXXX XXXX to make the payments as I received the money while they were still in the property. After they moved which was XXXX XXXX I notified cherry hill properties by email. They were emailed before the XXXX. With no response I emailed them after the keys were left in the mailbox and the property was vacant. I received a email about charges that occurred after I notified them that the damages were there about the basement while staying in the property and no one ever came to fix that. I still have the pictures of the damages. I never received anything about a court date before the garnishment of my wages so I wouldnt be able to respond to something that I did not receive. I was never notified of anything. By the time I received a notification my wages were already garnished which cause me to fall behind on my bills at my apartment. I have my lease from when I moved in XXXX as well as a 30 day notice by email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/21 I mailed a certified letter to Equifax ( USPS tracking number XXXX-delivered on XX/XX/21 ) demanding that the only information on my credit report should be my current address. I just looked at my report and noticed they have an erroneous address listed along side my current address. IT NEEDS REMOVED IMMEDIATELY. Why are they not following the FCRA? This request was made due to me being involved in numerous data breaches and concerns of identity theft. I will attach my letter sent to them, the erroneous address showing on my report, and the confirmation the letter was sent via Certified Mail and delivered. My " formerly known as '' name is also erroneous and needs immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Under two separate complaints, XXXX and XXXX, concerning BoF 's troubling policy/procedure in dealing with Americans serving overseas ( with APO addresses ) and BofA falsifying they reasons for denial of a credit card. Bank of America apparently lied to CFPB claiming they actually resolved these complaints. They did NOT. In fact, ALL they have done is send notices to say it is under research and they need more. time to " investigate '' and will get back to me with more information ( which they never do ). 

CFPB must NOT accept as closure to a complaint a mere statement from the company that they are " researching '' the problem and need more time. This is NOT closure. CFPB should require an actual conclusion, one way or another, to complaints, and NOT close them when the company claims to still be researching. 

Bank of America must revise its policy/systems to give the actual reason credit was denied ( as required by law ) even if the false reason given was a clerical error, and they must revise procedures to NOT require US personnel overseas to phone ( international call ) during US business hours to allow the complaint to be heard.

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