vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: PA

Complaint narrative:
EQUIFAX FAILED TO INVESTIGAGE MY DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NE

Complaint narrative:
The credit bureau is reporting a past due account with XXXX XXXX XXXX on my credit report. This is not my account and I have disputed this account with the credit bureau and the creditor several times.

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get information from the bureaus about my credit file. The are not responding to my request and it has been almost 4 months and 2 request made within those 4 months.

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COOLEY ENTERPRISES INC
State: NE

Complaint narrative:
The credit bureau is reporting a closed account with Clay Cooley Motor Company that is over 7 years old.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX. Received an email from USAA credit card that my credit limit has been decreased from {$16000.00} to {$2000.00} due to " extended account inactivity '' and an inaccurate XXXX  XXXX XXXX. I monitor my XXXX score and it is XXXX as of XX/XX/XXXX, USAA has reported it as XXXX have filed a dispute with USAA over inaccurate score. I have an exceptional payment history and a 24 year relationship with the company. Last balance carried with this card was XX/XX/XXXX. I find it unacceptable and very damaging to my credit history that such a drastic decrease in credit limit has occurred without counsel.Over a {$14000.00} decrease!!. I spoke with XXXX, USAA executive resolutions, who was inflexible, uncaring and arrogant. 
The credit card division of USAA fosters extremely poor customer relations. USAA membership is only open to service members and their families, my husband is a veteran. I believe they are mitigating loses and penalizing me for not using their credit card for 16 months, this at a time of great financial uncertainty due to the global pandemic. Do they support our service members and their families? The credit card division certainly DOES NOT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Activehours
State: AL

Complaint narrative:
I am trying to link my bank account with Earnin but it did not work you need to fix that very fast because a lot of people use this service to help pay for bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/XXXX2020 : I contacted USBank about an auto loan and began the process. -- - XX/XX/XXXX2020 : The online application repeatedly errored out so I contacted USBank by phone. -- - XX/XX/XXXX2020 : I settled on a vehicle and finalized my application. I was informed I was approved for the loan by both a USBank customer service representative, USBank Loan Processor XXXX XXXX XXXX ), and USBank Branch Manager XXXX XXXX XXXX XXXX for a term of 60 months at a rate of 4.59 APR and a payment of {$330.00} for a XXXX XXXX XXXX XXXX : XXXX. Upon arrival at the branch to finalize the loan I was informed the term was changed to 48 months at a rate of 4.34 APR and a payment just over {$400.00}. The branch manager XXXX XXXX XXXX XXXX was unable to contact a processor to revise the loan due to the time. He did contact the dealership which agreed to allow me to take the vehicle that evening with a deposit and collect the check from USBank later in the week after the correction. -- - XX/XX/XXXX2020 : XXXX XXXX contacted me at XXXX to inform me that the bank would NOT correct the loan term as agreed and had decided due to the age of the vehicle would now only approve the 48 months with the higher payment. USBank had already run my credit multiple times as a result of the online application errors and I already had possession of the vehicle with a deposit at the dealership ( not refundable, though I did not ask for an exception ). As a result I felt forced to accept the revised terms ( bait and switch ) from USBank in order to avoid resulting losses and costs. 

XX/XX/XXXX 2020

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 2020-07-22 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: FL

Complaint narrative:
I have called XXXX  bank and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Transunion keeps saying it was verified I have asked Transunion to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXX  bank I never took out a loan for {$5000.00} from XXXX Bank

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 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shel point mortgage is asking for bank statements and a letter hardship for COVID 19. 

I called and stated I have a COVID hardship. I was requesting an Forbearance extension and never had to submit this documentation before, so why has it changed. these times are very difficulty and i truly wish Shell Point Mortgage would educate their employees on the correct protocol due to COVID 19. 

The investor of my mortgage is XXXX Bank and I checked their website and they follow the same procedures as the CARES ACT, so why is Shell Point Mortgage asking for this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
The credit bureau is reporting a closed account with XXXX XXXX XXXX XXXX that is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I do not understand why the CFPB closed Complaint ID XXXX. The issue was not resolved, Chase only answered that they have a right to close an account for any reason. They have not returned my funds that was deposited with them. They closed my account in XXXX 2020, and still have not returned my funds over two months later, as of this date XXXX XXXX, 2020. The letter dated XXXX XXXX,2020, referenced in their response to you, was never mailed to me, and promised phone calls to me not made. Why did I not receive any correspondence from Chase after my account was closed with instructions on when, and how my funds would be returned? The only correspondence is the letter, response, they gave to CFPB. After contacting the CFPB, XXXX XXXX, XXXX Ext XXXX, did phone me and assured me they wanted to resolve this. He informed me he was going on vacation and was referring my case to his associate XXXX XXXX. XXXX XXXX said he would follow up when he returned from vacation, which he never did. Repeated phone calls to not only the persons listed in my original complaint, but since to XXXX XXXX at XXXX Ext XXXX have gone unanswered. 
I followed up, and went to a local branch on Monday XXXX XXXX, 2020, with the verification Chase asked for in the letter dated XXXX XXXX, 2020, which I read as an attachment on the CFPB website, and my funds were still not returned. The branch manager, XXXX XXXX, XXXX of Chase located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX, took all of my information providing the proof of the funds I deposited with Chase came from an account I owned. She called Chase executive offices while I was present, informing them I had the verification they requested, and they still would not return my funds. She said she would email them all the information they requested, along with a copy of my drivers license. XXXX XXXX said she would follow up with a phone call to them on Tuesday morning XXXX XXXX,2020 and call me also with the outcome, which she never did. I believe the original XXXX ID XXXX should not have been closed because there still is no resolve. I believe in my original complaint it asked how can this issue be resolved, and I listed return my money! Chase is illegally holding my funds, and not returning them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Credit Acceptance, LLC
State: NE

Complaint narrative:
The credit bureau is reporting an old closed account that is over 7 years old. The creditor that is reporting this outdated closed account on my credit bureau is American Credit Acce. I have disputed this item several times with the credit bureau and the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Aspen National Financial, Inc.
State: FL

Complaint narrative:
For years I have been contacting XXXX  XXXX regarding this account. I do not have a mortgage with them as it has been paid off and I have demanded cancellation of this account as it was sold to be under fraud basis. They have blatantly ignored and dismissed my requests. I informed them of Aspen continuously contacting me and they still ignored. I am baffled by the lack of assistance from them even thousands of dollars later. I need this account cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I contacted Midland Funding several times and they confirmed that this account was opened with an alias, not my name but refused to furnish me with the requested information from the original creditor so I can find out how this account was opened. I have disputed with the credit bureaus which state that Midland is verifying this debt but not supplying documentation for this " verification. '' I have requested several times : The identity of original creditor. 
An ORIGINAL copy of the contract between the original creditor and myself ; with my signature. 
The proper and legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ). 
Proof that you are licensed to collect debts in insert name of your state ; A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown XXXX Proof that you the collection agency are in compliance within the statue of limitations for the state of Arizona. 
Verification or copy of any judgment ( if applicable ). 

This company as well as the credit bureaus have refused to supply me with this information and it has affected my credit and ability to obtain needed credit. This company also has obtained verification of identity theft from the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We dont have a XXXX XXXX loan number Just a application number from BOA. XXXX. 
We applied for the XXXX in XXXX through Bank of America. We provided all the necessary documents multiple times, ( Before covid we were in the process of a XXXX loan ) We received a confusing letter from BOA on XX/XX/XXXX that they did not have all necessary the documents ... We then were directed to go through BOA intranet service and could see see all the documents. This did not work from the get go. After weeks of back and forth we finally were able to get the application ( see above number ) On XXXX  XXXX we received another letter from BOA stating that the loan application was denied because there is already a XXXX loan affiliated with our XXXX. ( XXXX ). We do not have a XXXX loan we never signed or were given a promissory note nor have any funds related to XXXX been disbursed or deposited into our Bank account. Since then we have been trying to resolve this with our local BOA rep XXXX XXXX out of XXXX XXXX Florida he sent us over to XXXX XXXX which never once returned a call or responded to our emails. BOA reps continue to avoid responding and have supposedly escalated the matter 3 times and is now in California. Most recently I have spoken to a BOA rep named XXXX XXXX from California ID XXXX ( XXXX XXXX ). On XX/XX/XXXX he reached out per phone call. He could not tell us anything other than it is escalated now for the 4th time and that someone would be reaching out typically within 72 hours and no later than a week, It has been over 2 weeks now and we have nothing. 
It seems our XXXX was used by someone else and the funds are locked or something else. Since we can easily verify that we have not received funds we these funds deposited into, our business account immediately. After funds are received moving forward I am happy to do whatever it takes to help resolve this fraudulent case.

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.

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 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a XXXX XXXX  as a XXXX XXXX and an XXXX   XXXX with a XXXX XXXX. I got a loan sent to my bank of America and my account was shot off, I cant get access to my money or do online transactions to pay my due Bill 's or make a withdrawal. I called Bank of America and they told me it because I received a large sum of money and they flagged my account and my account is pending closure. It been about 2 weeks now and nothing positive has happen. I called them recently and they not giving me any explanation as to what's happening with my account, I can provide information from the organization I contracted with as an XXXX XXXX doing business. They only told me they doing investigation and my account is pending to be close.

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 2020-07-22 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:
On XX/XX/2020, my partner and I opened a business checking account at Capital One Bank. We deposited {$250.00} that day. On XX/XX/2020, I transferred {$25000.00} into the same account. On XX/XX/2020, the account shows the funds deposited but, inexplicably, {$0.00} are available for use. After hours of being routed and rerouted on the phone with the bank, we were finally told that no further explanation is available. We are a XXXX XXXX XXXX  and desperately need access to our funds. The bank has stolen our money from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
I have called XXXX  bank and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Transunion keeps saying it was verified I have asked Transunion to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete Regions bank I never took out a loan for {$5000.00} from XXXX Bank

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I signed up for the XXXX XXXX XXXX XXXX on XXXX/XXXX/2020. This card is issued by Synchrony Bank. One of my main reasons for signing up for it was due to the advertised benefit of Price Protection. The benefit is listed as current on the XXXX website ( https : XXXX # XXXX  ) and is even stated in the guide of benefits that accompany the card received from Synchrony Bank XXXX However, when I try to call and inquire about the benefit from the benefits administrator, they state that the card is ineligible for Price Protection. Nevertheless, Synchrony Bank customer service affirms that the benefit still exists but could not provide an exact path to how the benefit can be used. No phone number or website that will direct me exactly to this benefit. I have tried every route of contact on the guide of benefits, but the benefits administrator keeps stating this card does not have the Price Protection benefit. Therefore, I am writing to complain about Synchrony Bank customer service that is incompetent about its products. In addition, I would like to bring to attention the misleading advertising that Synchrony Bank uses on its website and its mail prints. This bank is advertising benefits that have no basis and are, in reality, not available to consumers.

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 2020-07-22 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: CT

Complaint narrative:
1., XXXX never furnished proof of purchases With Over XXXX  of fraudulent charges. This account was a result of fraud and not mine credit. 

XXXX provides a letter in XX/XX/2018 stating that they were unable to verify charges and purchase. 

I never open account with XXXX .A copy was also sent to credit agency and it was never removed item.

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear CFPB Repr. 
I believe Citi Bank is involved in misleading customers about paying off promo balances. Couple weeks ago I made {$3000.00} payment that should have been gone towards my upcoming high rate balance transfer that was expiring in three day and now is charging me 19.9 % instead they applied that time 0.99 % balance that is expiring next year. 
I believe this very unfair practice and wonder if it is even legal. Please let me know. 
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