vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: NC

Complaint narrative:
Dear Consumer Finance Protections Agency staff, I took a VA house loan with Veterans United Home Loan company. XXXX XXXX was my loan officer. The first thing he did without my authorization was to pull my credit scores. I addressed this with their client relations/XXXX  XXXX. She admitted that XXXX XXXX should have never pulled my credit scores and she listened to the phone recording between XXXX and me. 

The final thing that XXXX XXXX did was to change my APR and money that was due back to me at the closing of my house loan.

Ms. XXXX, an attorney, sent a letter ( XX/XX/2021 ) asking for an explanation of why XXXX XXXX took it upon himself to make financial decisions on my behalf, without my knowledge, and at the end of the closing. I had received an email on XX/XX/XXXX after XXXX XXXX  EST that my APR and money due back to me had changed. 

XXXX XXXX, who is a client relations manager responded back to Ms. XXXX with excuses and acknowledgment that the loan officer ( XXXX XXXX ) made decisions that impacted my loan, by email on XX/XX/2021. 

I asked for the higher APR of XXXX because it allowed me to receive money back at my closing. I was able to claim my VA house inspection, termite inspection, VA appraisal, and earnest money. This equated to {$1900.00} back to me upon closing per the terms I agreed upon. 

I never asked for a lower APR -- I understand how compound interest works and that I was going to make larger payments towards my loan principal. I did not need to buy a lower APR. I am educated on how compound interest works. 

In the end, I did not get back {$1900.00} due to me, I received {$1000.00}, instead of what was due to me at my closing. 

I would like this matter investigated. It is not feasibly economical to continue with legal counsel. I don't want this matter to ever happen to another person. I will supply all documents as needed to support my claim. Thank you. 

XXXX XXXX XXXX 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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am writing to lodge a complaint against TD Credit Card Services. 

I am in the process of obtaining a new mortgage on my home that will save {$1000.00} a month. The Mortgage Lender asked for a letter from TD Bank stating what the balance owed was on the account. On XX/XX/XXXX I paid {$2000.00} and asked for letter to be sent. I went to my local TD Bank and was told that this very simple request could not be completed by them at the bank and I had to call TD Credit Card Services number on my card because they were a different company. 

I called CC Services again and asked for the letter again explained why I needed it. I spoke to 3 levels of supervisors when they each said they couldn't help. The last one was named XXXX and she said the letter was actually sent on XX/XX/XXXX and it would take 10 business days. The 10 business days was up on the XXXX I called again and they said thy couldn't help. I still have no letter. 
The delay has already cost me {$1000.00} I feel this is a totally unreasonable action on the part of CCServices XXXX XXXX  ) part. It may cost me another {$1000.00} very soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
My ordeal with USAA EVERY TIME THEY DO A MAINTENANCE XXXX DOWN AND THE FOLLOWING DAYS THEY ALWAYS HIT MY ACCOUNT WITH INSUFFICIENT FUNDS! Not only that but after dates change in my online register? How can that happen? Recently I stayed at a XXXX and used my debit card, they took out the fees on that day because its a debit card! How can the back tell me 3 days later that I had insufficient funds, those transactions happen in real time! They pulled the same with my storage company I paid on a Monday with debit then on Thursday they tell me I had insufficient funds??? Tell me how this happens please? I am sick of usaa and the bs they pull!!! I am just wondering how many people they do this too??? 
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 2021-08-19 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
There are some negative accounts in my credit report that don't belong to me, please remove them as soon as possible from the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: American Credit Acceptance, LLC
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: DriveTime
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In checking my credit report recently, I noticed a charge on my Synchrony Bank account. A {$1200.00} interest charge was applied to my account XX/XX/21. I have not used the account since purchasing furniture two years ago ( Ashley Furniture ). I have never missed a payment. If Ive connected the dots correctly, there must have been a clause in the contract I signed stating there was a promotional expiration date. Apparently the promotional period expired and accrued interest was charge. I have two issues with this and maybe Im just out of luck ; please help if youre able to. 
First, the contract I signed was very long and contained mostly legal jargon I did not understand. Like most people, I did not read in its entirety. Im a college graduate with a credit score hovering just above XXXX for most of my adult life. Im very responsible with money and have never been in this situation before. I just dont think it should be necessary to bring a lawyer, who specialized in contracts, when buying furniture. Obviously, I would have paid cash for the furniture if I knew this would happen ; the 0 % finance was just attractive. Im guessing many people find themselves in my situation, which in my opinion is a result of deceptive practices. The salesperson told me as long as I made every payment on time, I would never be charged interest. Im embarrassed to say I never read any of the statements, which clearly show the promotional period end date, until today ( XX/XX/21 ). Regardless of the current situation, I think a case could be made Ashley Furniture and Synchrony Bank are engaging in deceptive credit card practices. Especially if others experience the same misleading tactics. 
My second problem with this situation is the lack of communication. I tried all day yesterday ( XX/XX/21 ) to contact Synchrony. I tried by phone ( 4 separate numbers ), via chat ( only a virtual assistant is available ), and by social media ( XXXX and XXXX XXXXXXXX ). Out of 11 calls, I managed to get a human on the phone one time. As soon as I told her I wanted to know about a charge on my account, she disconnected the call. I did not know at the time what the charge was for. In summary, Im trying to communicate with the company, but they are totally and completely unavailable. In fact, one of the phone numbers provided to me was ONLY advertisements for other unrelated credit products ; getting a person on the phone was in no way an option. 
I called XXXX, XXXX, XXXX, and XXXX ( from XXXX credit report ). 
Thank you for any assistance you can provide. 
Sincerely, XXXX 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 monetary relief
Consumer complaint received 2021-08-19 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 US Code 1681 the former was reporting inquiries without my permission and the latter was accuracy and fairness of credit reporting. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
My loan is serviced by Santander Bank. I have been trying for months now to get them to pay the property taxes for my house, for which I pay into an escrow account every month. They have also failed to pay the insurance bill. 

I received a notice from the bank that I don't have insurance with a threat to purchase the bank insurance so I needed to pay for the insurance while my money sits in escrow. 

Most recently I received a lien notice from Department of Finance for unpaid tax bills and now I fear my house may be foreclosed on.

This is all while I continue to pay into my escrow account. I have called numerous times over the past three months, and each time am told that they are looking into the issue but nothing is being done. The most recent time I called and asked to speak to a supervisor. I was told that they do not accept incoming calls and was promptly hung up on. 

I am at the end of my rope and do not know what else to do. I continue to pay for an escrow account while my insurance and tax bills remain unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
on XX/XX/2021, i sent a letter to CARTER YOUNG, INC about a alleged debt of XXXX that i don't owe.i sent it off usps certified mail w/tracking XXXX XXXX XXXX XXXX XXXX and it was delivered on XX/XX/2021. i have not heard from them concerning the documentation that i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: TN

Complaint narrative:
I received mail from FIRST FINANCIAL ASSEST MGMT, INC on XX/XX/2021. 
FIRST FINANCIAL ASSEST MGMT, INC stated I owed an alleged debt. 
In this letter it was NEVER STATED I HAD THE RIGHT TO DISPUTE WITHIN 30 DAYS Pursuant To Title 15 U.S. Code 1692g ( a ( 3 ) FIRST FINANCIAL ASSEST MGMT, INC never stated I HAD A RIGHT TO HAVE VERIFICATION/JUDGMENT MAILED TO CONSUMER Pursuant To Title 15 U.S. Code 1692g ( a ) ( 4 ) Also also FIRST FINANCIAL ASSEST MGMT, INC never stated THEY WOULD PROVIDE NAME & ADDRESS OF ORIGINAL CREDITOR IF DIFFERENT FROM CURRENT CREDITOR Pursuant to Title 15 U.S. Code 1692g ( a ) ( 5 ) Also FIRST FINANCIAL ASSEST MGMT, INC says this alleged debt is owed to XXXX XXXX Stating that is false and misleading representation Pursuant to Title 15 U.S. Code 1692e ( 2 ) FIRST FINANCIAL ASSEST MGMT, INC HAS VIOLATED MY CONSUMER RIGHTS ACCORDING TO FEDERAL LAW! 
FIRST FINANCIAL ASSEST MGMT, INC Is XXXX  XXXX & XXXX ACCORDING TO FEDERAL LAW AND Title 15 U.S. Code 1692k.

Title 15 U.S. Code 1692k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX I had to call Innovative Recovery back due to the first 5 request not being fulfill. I was again transferred to XXXX. I mentioned that I received and email stating that Innovative Recovery received my complaints from the CFPB. I also mention that I have not received letter regarding my payment history or letter or deletion. XXXX gave an email : XXXX to received the documents. XXXX stated they may or may not fulfill my request. All I'm asking is for a letter a deletion and my payment history to a debt collecting. Why is that request questionable? I have the right to a receipt or some documentation of payment. 

Please see the original complaint below. Innovative Recovery sent me a bill on behalf of XXXX XXXX for XXXX. When I paid on line I was offered an about of XXXX which was paid on XX/XX/2021. I did not received an receipt via email, text or mail. XX/XX/XXXX I called Innovative Recovery because the my credit still shows Innovative Recovery as open and due for {$16.00}. I spoke with XXXX and transferred to XXXX who both stated my account was close. XX/XX/XXXX I spoke with manager XXXX who rudely stated your account is close, we don't control the credit reports and hung up. I sent a compliant to the XXXX  with a picture of the open delinquent account as proof it is not close. I never heard back form Innovative Recovery. The company continues to violate my FCRA rights. When I try to call back on XX/XX/XXXX XXXX stated ma'am we've already discussed this. I advise it have not been resolved. XXXX stated my account says paid and satisfied. Again I ask why are you all reporting that I owe XXXX if this is a record line as the call stated in the beginning please explain the XXXX. XXXX XXXX. I have attempted to call several time today and have been sent to messaging service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The investigation results were unauthorized and inaccurate. I am a victim of my rights of privacy being violated. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. There is no law that says that you have the authority to report any of my credit information without my consent. A creditor or debt collector must have written permission to furnish any of the consumers information. I did not authorize any furnishings of these accounts and inquiries to my credit report per 15 U.S. Code 1681b ( ii ) - the consumer has to authorize in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian keep allowing XXXX collections to report false information even though I sent them proof several times they're in violation of the Fair Credit Reporting. Does not show on XXXX or 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 2021-08-19 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: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX  This is not mine.

3. Identity Theft SYNCB/CAR CARE SYN CAR 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 explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
still waiting to receive status of previous request for complaint about XXXX. Previously, I wasn't able to get ANY reports from this website. Now, I am able to selectively receive reports. As an example, today I was ab le to obtain my report from XXXX, but when I tried to get the same report from Equifax, I got an error message. I will try to attach screenshot of such message if your system accommodates the file size of such attachment. I will also try to get XXXX  report from same website but not sure if I will be successful. If these companies make billions of dollars in profits every year, they should at minimum be responsible for : 1 ) keeping our information secure : in the case of Equifax, they failed ; and 2 ) have a robust enough website to allow multiple users to access the information they are mandated by law to provide in a timely and convenient way ( online ) for consumers. So far, this has been spotty at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
Did you recieve the Id theft report that I sent directly to you and through the cfpb? 

If so, then why are you not following the fcra and the ftc guidelines? 


ADDITIONAL RESPONSIBILITIES Victims of Identity Theft When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B If a CRA notifies you that information you furnished is being blocked on a consumer 's credit report because of identity theft, you must have procedures to prevent the re-reporting of the information. FCRA 623 ( a ) ( 6 ) ( A ) If a CRA notifies you that a debt has resulted from identity theft, you may not sell, transfer, or place that debt for collection. FCRA 615 ( f ) ( 1 ) If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) If you find that you furnished inaccurate information due to identity theft, you must promptly notify each CRA of the correct information. Going forward, you must report only complete and accurate information. FCRA 623 ( a ) ( 2 ) If you provide credit, goods, or services to consumers, you may be required to supply application or other transaction records to an identity theft victim or law enforcement officer, if they ask. FCRA 605B ( f ) 615 ( g ) If you establish or extend credit plans or accounts, you may be required to follow certain steps to verify a consumer 's identity when you see a fraud or active duty alert on his credit report. FCRA 605A ( h ) ( B ) ( ii ) NON-COMPLIANCE If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Update! 
Ref : XXXX Capital one not only lied about my card working fine and they put a hidden block on it. They sent me a new card and did the same thing. This company is full of lies! They are blocking access to my measly XXXX $ after I lost over XXXX $ through their spotty security. 

They are trying to get me to call them. They already broke the fdic rule and I have in taped. This is their retaliation and this is how they treat costumers that loss big due to thri data breaches.

Company response to consumer: Closed with explanation