vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Making regular monthly payments yet company is still calling and its getting out of hand. There are times they call me and when I answer no one is on the other line. Again Im making regular monthly payments. I have filed fcc complaints for the ghost calls, now usaa is calling numbers that are family members not mine, which I have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
XX/XX/2020 I received a call ( one of the worse ) from portfolio recovery. I was already pretty agitated because they call often and I explained I dont have the means to pay that debt off. She began to ask invasion questions about why I dont have income, if Im getting unemployment and why my spouse couldnt pay the debt or give money to help, she was very aggressive which caused me to equally as aggressive. Finally I just hung up. I received another call the next week asking the same questions BUT not as aggressive however, I explained to her Ive already spoken with someone and she said we will call until the debt is paid. I explained that is harassment to call every week about the same issue she stated they Dont have a way to see who called or when they called until they actually call the person. To me this makes no sense but Im tired of the calls, Im tired of this company making me feel worse for not being able to pay back a debt at this time. Even after I explained my son an myself have bad health issues right now they still kept asking when I would pay. At what point do these collection agency have to take responsibility for their actions? The calls I listed are the most recent but this has been going on for at least a year. If I block their number they will just change it an call from a different number. They wont stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Applied to refinance a investment property with HSBC US the requested the following information : 1- Documentation to verify the total housing expense for all real estate listed on application, including but not limited to : principal, interest, taxes, insurance, HOA fees, ground rent and assessments, as applicable. 
2- Provide the Initial Written Verification of Employment Untranslated 3- A Satisfactory Project Questionnaire must be provided. 
4 - The loan is contingent on approval of the project. 
5- Rent loss insurance, equal to a minimum of 6 months gross monthly rent for the subject property, is required in order to consider rental income. 
6- The maximum allowable deductible on your homeowners insurance policy is 5 % of the face amount of the policy, unless state law requires a higher maximum deductible. 
7- Current year 's operating budget is required for satisfactory project review. 
8- An HO-6 insurance policy is required when the master insurance policy does not include, coverage for betterments and improvements. Coverage must be sufficient to repair the condo unit to its condition prior to the loss claim event. 
9- A Master Hazard and Liability Certificate must be provided evidencing satisfactory coverage including : General Liability, 100 % Replacement Cost, Fidelity Bond Insurance , Property, Rent Loss, Boiler/Machine and Umbrella Coverage. 
10- Approval contingent on verification of credit, income and other financial information stated on application 11- HSBC will verify that a minimum deposit/investment balance of {$75000.00} in a qualifying HSBC *XXXX* *XXXX* XXXX XXXX  XXXX  XXXX   XXXX : XXXX XXXX XX/XX/19 account will be established or has been maintained. Required deposit is in addition to the amount needed for down payment and/or closing costs. 
12- Borrower to provide a letter of explanation for the Address of XXXX XXXX XXXX XXXX XXXX, XXXX CA. If borrower has ownership, provide verification of all expenses for the property 13- Provide the most recent credit card statement and Mortgage statement for XXXX XXXX 14- Title to list correct name for HSBC. 
15- Provide explanation for address of XXXX XXXX XXXX , XXXX , PA listed on bank statements. 

They rejected my application based on Excessive obligations in relation to incomeI asked for a copy of the documents submitted to the underwriter more than one time and I did not get it. I believe they submitted my information with wrong information which resulted in this rejection. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
There is a collection on my credit report for medical debt that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged.

The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.

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 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged.

The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.

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 2020-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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:
I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 non-monetary relief
Consumer complaint received 2020-03-14 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: NC

Complaint narrative:
I disputed an error on my credit report with Experian and they failed to do any investigation in to correcting the error on my 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 2020-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I called Wells Fargo on Saturday, XX/XX/XXXX to inquire about refinancing ( no cash out ) my existing Wells Fargo mortgage ( balance of $ XXXX on my primary residence valued at least at $ XXXX ) into a 15-year at 2.75 %. I spoke with XXXX XXXX, XXXX xXXXX, and was prequalified based on my income, debt-to-income ratio ( which is well below the industry standard of 36 % ), and unbroken, lifetime history of timely payments. I provided all the required documentation, to include pay stubs, W-2 for 2 years, proof of insurance, and current mortgage statements. I provided proof of ability to cover all closing costs in cash, if needed. The application was sent to processing. Subsequently, Wells Fargo raised their rates on the 15 year fixed to 3.5 %. At the same time, they arbitrarily increased my income requirement to $ XXXX/year. They will be able to deny my loan on this basis, which will materially impact my credit report negatively, causing extreme financial harm to me. I have never missed a payment, declared bankruptcy, or not paid off a debt. All I am asking Wells Fargo for is a complete cancellation of the transaction without further harm to my credit report. I just found out about this arbitrary income requirement increase today, and the people who are available by phone today dont have the ability to help me. I am trying to get ahead of this before they deny the loan and damage my credit. 

Wells Fargo is continuing to engage in deceptive and fraudulent behavior, at the expense of honest, credit-worthy customers, so they do not have to honor commitments. They havent learned anything from their recent fraudulent actions, convictions, and fines. 

In addition to this complaint being forwarded to Wells Fargos executives, particularly the Chief Compliance Officer, please also copy XXXX and 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 2020-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
UnFair Debt Collection Practices : XX/XX/2020 @ XXXX PST in received an email stating : " XXXX <XXXX> XXXX XXXX  ( 16 minutes ago ) to Legal, bcc : me Hi, We would like to inform you that we have given you a reasonable opportunity to resolve this account but you have failed to resolve it. 

We know that our action will damage your credit rating and your ability to do business with other companies. To avoid this, we really urge you to email us to find the best collection process or make immediate payment. 

Thank You XXXX  XXXX XXXX XXXX <XXXX> XXXX XXXX ( 5 minutes ago ) to XXXX who in the XXXX are you i want your sheriffs dept. creditials making this a ginuine police officer talking to me otherwise your email, XXXX, is illegal debt collection practices and you will be reported to the FTC under the right department handling affair FCRA and/or CFPB for your attempts under false credentials. '' The E-mail address alone suggesting law enforcement involvement is against the FAIR DEBT COLLECTION PRACTICES ACT and needs to be addressed immediately due to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX / Balance : {$370.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX / XXXX  XXXX  XXXX  XXXX Account : # # # # # XXXX / Balance : {$370.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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:
I have been a Victim Of Identity theft with These Accounts XXXX XXXX   open Dates XXXX XXXX {$4000.00} XXXX XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XX/XX/XXXX {$3600.00} Please close these Accounts Due to Fraud I Did not authorize accounts to be open

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 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020, I attempted to open a business account for a XXXX XXXX in the state of Virginia. Upon articulating this to the branch representative in XXXX XXXX, I was incorrectly advised that in order to open the account I would need either a business license certification or an occupational certification. I explained that a business license certification is not needed in the state of Virginia for XXXX XXXX and that my business was not operating using a DBA, it would simply be titled as my full legal name. The information confirming same can be found here : http : XXXX and here : http : //www.bos.virginia.gov/starting.shtml. Moreoever, I have previously opened a business account with this company ( since closed ) and was not required at that time to provide any of the documentation that was required at the time of attempted account opening on XX/XX/2020. Perhaps the fact that I had a promotional opening offer for {$200.00} was the real reason for not wanting to open the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I have got debt collection account for {$360.00} dated XX/XX/20 from I C Systems inc, the original company was XXXX XXXX on my credit report. I always pay my phone bills on time and also have contacted with XXXX XXXX and they told me that I do not owe anything. 
I never received anything about this by mail or any other way. I dont have any knowledge of any debt.

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 2020-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a credit card with capital one that was previously registered with XXXX Pay for purchases without the use of my physical credit card. When I tried to re-activate the credit card with XXXX Pay Capital One required verification which was to take pictures of my photo ID. I took pictures of my photo ID multiple times which Capital One said they couldn't read. The mobile app has no other forms of verification, so I called the company. I spent over 2 hours trying to get the situation resolved without success. Capital One 's verification processes do not take in to account faces of color and instead says the IDs cant be read. Then they don't have alternate means to correct the issue. This is DISCRIMINATION. Because at this point I am not able to use services that I should have access to simply because my face is difficult to see through an online app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently signed up with Synchrony Bank thru a zero interest promotion when purchasing replacement windows. When I applied for the line of credit, there was no mention or documentation that was provided to me about a {$29.00} activation charge for the account. Upon receiving the actual credit card and T & Cs and the first bill I noticed the activation charge. 

I have reached out to Synchrony Bank to have the fee removed on XX/XX/2020 at XXXX. 

I received a response on XX/XX/2020 at XXXX from XXXX XXXX declining the request as this is a common business practice on account activations by Synchrony Bank . 

I replied on XX/XX/2020 at XXXX that I currently have another open account with Synchrony Bank that was opened without any activation fee. I also advised I have had Numerous accounts Over the years and not once was I charged an activation fee. I also reminded them that this activation fee was not disclosed at time of signing up for the account and this type of activity by Synchrony Bank could be viewed as cramming. I once again requested a refund for the charge. 

I received a reply on XX/XX/2020 at XXXX from XXXX XXXX once again declining the request as this is common practice on account activations by Synchrony Bank . 

I replied on XX/XX/2020 at XXXX once again explaining my stance and if I did not receive a refund within 5 business days I would be reporting this fraudulent business practice. 

I received a reply on XX/XX/2020 at XXXX by XXXX XXXX explaining that due to the nature of my inquiry, they had escalated my request to their corporate offices for handling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express deliberately refused my attempts to pay my bill and instead sued me for the balance due. They fraudulently reported incorrect information about my account to the credit agencies for over a year with the knowledge that it would cause me financial damages.

Company response to consumer: Closed with non-monetary relief