vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, my husband noticed that he had been locked out of our joint USAA bank account. He proceeded to call USAA to see why he had been locked out and re-establish his online access. When he was on the phone with USAA, they told him that they had decided to no longer do business with us and close both our checking and our savings account. We asked them why this was occurring as we have, to our knowledge, not done anything which would warrant such a decision. We asked them if they had sent us a 30 day notice in advance of this decision and they said that they had not. Furthermore, when we asked how we would have access to our money, they said that because the account was in the process of closing, they would hold our money for the next 60 days. It is now the XX/XX/2020 and we have bills and a mortgage to pay but no access to our money with no clear idea of when we will again have access to our money. We also were never given a 30 day warning in order to prepare for this event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: IL

Complaint narrative:
As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( Trans Union, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.

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 2020-09-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is  reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX  XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer.

Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, Equifax  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: IL

Complaint narrative:
As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.

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 2020-09-01 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: Essential Lending Inc
State: SC

Complaint narrative:
I had my XXXX and XXXX accounts consolidated with XXXX. XXXX is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: V and H Portfolio
State: SC

Complaint narrative:
I had my XXXX and XXXX accounts consolidated with XXXX. XXXX is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Financial Services gave me an extension on my loan due to Covid. I also changed my billing date from the XX/XX/XXXXof the month to the XXXX of the month around the same time. This extension was reflected in my bill. The bill continued to be {$0.00} every month, with {$0.00} in late payments and interest. This continued into XXXX, when I thought my bill would be due. I called XXXX several times to discuss. I was told that due to my date change and due to the extension, that I would receive an extra month as it was reflected in my bill that a payment came in during the extension ... although I can not make heads or tails out of their accounting. Regardless, I have copies of all my bills that reflect {$0.00} due and {$0.00} in arrears. My XXXX bill came with the normal balance of my car payment. I made the payment on time. I was also notified by XX/XX/XXXXthat XXXX put a marker on my credit and it took XXXX points off my near perfect ( XXXX ) credit rating that I have proudly spent my life building with on time payment on all my accounts. XXXX has acknowledged their mistake to me and last month told me they would dispute the credit reduction and fix the problem for me. I just receive a new bill for XXXX, telling me I owed them over {$1600.00} in current billing and arrears. I called XXXX again and was told they refuse to remove the marker on my credit, that yes they were wrong, but I should have known I owed them money even though their bills reflected that I didn't. This was an entirely different conversation than the previous one I had. So XXXX had internal billing issues, which I questioned in phone calls, was told to just pay my bill when it comes due, which I DID, they ruined my credit rating and refuse to fix it now. I have copies of all their bills and they say that I should have paid money that I didn't know I owed and had no way of finding out what I owed because their bills didn't reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
COMENITYBANK/BRYLANE failed to give me proper validation of this debt. 

I mailed COMENITYBANK/BRYLANE a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: MS

Complaint narrative:
I have been disputing for almost every month, and Experian refused to fix the problem of incorrect amounts that should be deleted immediately. These account and numbers is inaccurate because these numbers are inconsistency they are supposed to be the same, Terms, High balance, Late payments Open date are all grounds for deletion. But they refused to correct or deleted the problems. On my account for XXXX XXXX they have increase my amount from {$3600.00} to {$4800.00}, Now to $ XXXX.When my deficiency says I owe XXXX. They refused to investigate, and they only use Oscar system and not getting real information from company. And soon I will have to get someone to help take care of this problem because I sent them real evidence and they still haven't fix the problem. Same thing with  XXXX XXXX they have amount, Term in months wrong, the amount that is owed wrong. That should be deleted immediately. They have I owed {$9600.00} when it should be XXXX from my deficiency letter. For amount financed they have {$16000.00} when its {$16000.00}. Monthly terms is 72 months, they have 74 months. According to my contracts my contract is through XXXX XXXX. I don't want to have to get a attorney just for these accounts to get resolve but what else to do if they refused to fix the mistake that's on my 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 2020-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have contacted y'all today to remove a block off from my online banking account so I can login to it every time I try to login it say this Online access is currently unavailable To access your accounts online please try again later or re-enroll for online access : Online Banking customers, please visit wellsfargo.com and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit wellsfargoadvisors.com and select Sign Up, or call XXXX when I have contacted y'all the agent tell me he can't remove until I go to a my bank in person and I can't go to my bank because I have to get a new picture ID because I have lost it and I have told him that the agents over phone have removed the block for me in the past without me going to the bank and my username is XXXX or XXXX they been transfer me to difference departments the last agent she have restore it back online now now it got block on the online bank again.

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 2020-09-01 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WFHM Mortgage - Open XXXX - Sold House in XX/XX/XXXX for {$150000.00}. Not sure why this is on the credit reports.

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 2020-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My mother passed away on XX/XX/2020 leaving myself as beneficiary on several accounts listed as " Payable on Death ''. I went to the XXXX XXXX XXXX branch of Wells Fargo at XXXX and tried to close the accounts. I was told I would have to make an appointment and I understood. The appointment was for the following Monday when I presented all of the documents that were required to claim the accounts. I was told that due to some activity on the account there was a fraud hold on the account and I would have to come back to the branch in three days to close the accounts. I returned on the appointment and after about two hours in the managers office I was told the fruad couldn't be cleared for another five to seven days. Today is the seventh day and I have not heard from XXXX the manager yet. 
The fruad they are investigating is on a credit card account which I had the authority to use for final expences, but Wells Fargo tied up the other accounts which are separate from one another. This action is totally unacceptable as is the time frame for the transfer of funds. I have expressed my concern to XXXX to no avail and now I turn to you for a possible solution. I live aproxamently 80 miles from this bank and I am XXXX years old and dependent on friends for transportation. 
Any help you could provide would be appreciated. 
Thank You 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 2020-09-01 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: MS

Complaint narrative:
FIVE months ago, XXXX  and Experian BOTH claim that they verified the bankruptcy reporting on my credit report through XXXX XXXX, XXXX responded that they could not verify this information and DELETED it from their database. I sent all correspondence to XXXX  and Experian for them to delete this unverifiable information off my credit report via section 1681, however its been five months and they are not cooperating.

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 2020-09-01 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:
THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE 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 2020-09-01 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:
THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. 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 explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I would like to submit this complaint on the Mortgage lender USAA. I was preapproved for a home loan and this company end up denying the loan 2 weeks after my deadline to have final approval. The company was aware of every deadline I had but disregarded my several attempts to make them aware that we needed a decision by a certain date ( or I would lose XXXX of my earnest money ) and I spent over XXXX in inspection fees, appraisal feees, etc. The companies major problem came from giving me 2 loan officers to work with then gave 4 different loan processors to work with.Having all these different people caused an issue because we could never get any thing accomplished in timely manner and they would repeatably as me for duplicate information. Additionally, ever person they assigned to handle my loan would literally work once or twice a week then have an " out of office '' notification set up if you tried to contact them.They kept asking me for several documents that I would provide with in an hour of them asking for them, then they would take a 1 week or longer to update me on anything so in the end they caused me to loss my money, future home, and wasted the sellers time. There final decision was that the loan was denied because my DTI was 45 % and I needed 43 % to qualify which didn't make sense because we went over this when I was preapproved plus if that was going to be the case ... why take so long to tell me this information ( USAA knew my earnest money was on the line ) So to be exact there incompetence cause me to loss over  3k and not close on my house. As an XXXX American veteran I just believe this company is a disgrace and should not state the claim as being supportive of veterans.Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP
State: NY

Complaint narrative:
My name is XXXX XXXX. I have my unemployment benefits thru KeyBank in XXXX. On XXXX XXXX I called my card to receive my balance and was told thru a recorded message that I would have to call customer service after 3 hours no one responds EVER. When I tried to access my account on the mobile app. I was denied access and told to call another number. That does not answer as well. Meanwhile I have much needed benefits I can not access

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/202 received a grant of XXXX dollars from the SBA Covid-19 disaster loan, I'm a sole owner so the deposit was put in my personal checking account, took out {$2000.00} from the ATM to make payroll, CHASE then decided to freeze my checking and saving accounts on XX/XX/2020, then I received a loan from the SBA for {$32000.00} dollars on XXXX XXXX that went into my checking account. Spoke w/ Chase employees at the XXXX XXXX XXXX Branch and I was informed that I needed a Business checking account which I had opened online. After four trips to that branch I was informed that I needed the following to put the money in : EIN # which I completed on XX/XX/XXXX, Assumed Business Name DBA with XXXX County in Illinois, Note : Office of XXXX county clerk closed in XX/XX/2020 and reopened on XX/XX/2020. Paid the XXXX dollar fee on XX/XX/2020, paid another {$65.00} fee to the law bulletin/index publication on XXXX XXXX to published my DBA business name once a week for 3 weeks, and on XX/XX/XXXX XXXX CHASE Bank closed my accounts? I was informed by CHASE employees that a check would be mailed, still waiting? On XX/XX/2020 I received my Assumed Business Name Certificate, took these documents to CHASE brand located on XXXX & XXXX XXXX, went back to back every week and no news about the location of money, employee have no idea where money is or who to contact since CHASE is not answering their phone calls? On XXXX XXXX the branch Mgr stated I needed to get a letter from a CPA or Attorney stating that I am the the sole owner of DBA company and have authorization to to business in XXXX. Took letter back to CHASE on XX/XX/2020, and told that this should take care of the release of funds, hopefully? On XX/XX/2020 received a call from CHASE bank service rep from the branch on XXXX & XXXX XXXX and told the letter from attorney was not good enough? On XX/XX/XXXX went up to CHASE twice and no one could be of any help, per employees they have no idea who is handling this issue, so far. SBA stated that they funded the money and they can't do anything because CHASE has the funds? Per SBA CHASE is doing this to customers in XXXX, and Florida. Where is the money, this loan repayment is due in 12 months, how can I repay a loan I never had access to? Is CHASE just stealing in certain areas only and are the people being targeted in a certain economic grouping?!? Also, SBA stated that if you are a sole ownership that funds could be place in a personal checking account? CHASE Bank employee stated he would call me back yesterday with some news, still waiting! Also the branch doesn't even answer phone calls it just keeps rings! When did CHASE Bank become the Banking Police and who is really stealing these funds?

Company response to consumer: Closed with explanation