vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Usaa will not verify me for my account that I have been locked out of and now, after reading consumer report s and seeing this is a company scheme, I want the account closed. The company, usaa, refuses to respond to multiple telephonic and e- mail requests to do this when it was apparent that there never will be verification and my info is being, sold, used, and manipulated for financial gain. Shut it down!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I called Transunion and I also have sent them multiple letters to delete inquiries that were done without my permission. They have yet to correct this for me. I called them on  XXXX / XXXX / XXXX  for the  3rd ti me and nothing has been resolved. Other times I have sent them letters in  XXXX   XXXX  and  XXXX   XXXX . These are the following inquiries I asked them to dispute.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent Experian a letter on  XXXX   XXXX ,    2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy, that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX ,    2017   ( w hich I did not receive until  XXXX   XXXX  ) stating that the record had been verified and would remain on my report. They did not state how the information was verified, which poses a huge problem. The letter that I sent included a letter from Alaba ma Federal Court stating that they do not provide Public Record information to Credit Bureaus. This record information was not obtained from the court, and should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My accounts was closed as a result o f Card Security igno ring my requests. I received a letter from  XXXX   XXXX  which never addressed the closed accounts and the effect that It had on my credit. I also uploaded the fax confirmation s to Card Security sh owing that the information was sent and was received without error. You addressed all the open accounts but never addressed the ones that was closed when you consider I submitted this information  to Card Security at t he beginning of  XXXX /2016 and it took them months to pay. To date they have not paid  the Belk  ending  XXXX  and I have submitted t his information to them repeatedly to no avail. TJ Maxx was closed as well as a few other accounts. You did a partial research into this matter but I need the date my information was submitted the FIRST time   to Card Security and the time it took them to process my information. I have the fax confirmations to prove that it was sent to them but they claim to never have received it and did not proce ss it until my accounts were closed. They had a month to process my claim and nothing was done! I do n't know if I am a liability that they did this for my account to close or not but I think it is somewhat suspicious.

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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is an add-on to my  XXXX   XXXX  compla int re Equifax credit reporting agency because for the past 2 weeks I 've been unable to log into my cfpb a ccount and the password reset links sent to me are non-working.   Equifax is reporting personal information on my credit report that is incorrect and or outdated. Equifax does not need to report addresses that are more th an 7 years old. I h ave never had an address that included  XXXX   XXXX  Equifax is reporting various names for me that are not my name. It is reporting incorrect and/or long outdated employer info. I am retired. Equifax is including a partial social security number on my credit report which makes it that much easier for someone to steal my identity. It also reports my full middle name, which I do n't use on any of my accounts. The more unnecessary info that Equifax displays on my personal credit report, the easier Equifax makes it for identity thieves to use my identity to file fake tax returns, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I opened a promotional credit c ard with USAA in   XXXX . I made a couple purchases totaling  XXXX  in addition to the promotional transfers. Their credit card terms state o n page 14 section d that any payment above the minimum payment will be applied to the balance with the hi ghest APR. In  XXXX  I paid almost  XXXX  and they applied the excess to the lowest APR and charged interest on the highest APR. I called 4 times and was bounced around, lied to, deceived and told that I was wrong until I spoke to a third level manager who admitted i was right and waived the fee plus calculated what needed to be paid in  XXXX  to stop the interest at  XXXX . In  XXXX  I paid almost  XXXX  and again it was applied in the same manor and I was charged interest. I called ag ain and again got the run around. This time the third level manager could not have cared less. USAA ad vertises caring and customer service and I got the exact opposite. As a  XXXX  vet I expected more from a company that says they will take care you those who served. Instead they word rather jerk me around lie deceive and steal from me. It 's not about the money it 's about the honor integrity and morals of a company. It is clear that  USAA has none of these. We have multiple accounts across our family and we will be closing all of them. USAA will lose at least 6 custo mers for the  XXXX  that they stole from me. Does not seem worth it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently received my credit report and noticed there are inquires  on it that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.

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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several inquiries that I know nothing about. There are multiples by the same companies. I had a freeze on my credit so I not understand how there are still these inquiries. I have called several times and sent letters to the credit bureaus with no action. I most recently just called last week and they asked me to send letter again which I have already done and still they are not being removed. I also have  XXXX  hospital bills that are not tied to me that they have not removed even with evidence sent. I have student loans that have been consolidated and payment is not due and they will not remove how they are negatively reporting even though they are not negative.

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 2017-06-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My bank is n't reporting the transactions and funds available to my third party banking app  XXXX . I am requesting there be a change as it affects my ability to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America  Charged OFF  my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement. Bank of america Continues to Report the account delinquent on my credit repo rts 7 +  Years after I settled this account for less than full balance.Bank of America Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the n ext 5  to 10 days. Bank of America Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but B of A was Not interested.     The Original dispute Involved B of A Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away

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 2017-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bison Recovery Group, Inc.
State: NC

Complaint narrative:
I have been receiving calls from these individuals with no written letter or information about the debt they say I owe. They have been calling my grandparents for months and have now moved on to calling my aunt too. It needs to stop. If this debt collector is real I need it in writing which I have not received. I received a text from my aunt stating they called on  XXXX   XXXX ,    2017  around  XXXX . They also tried calling my grandparents again on  XXXX   XXXX ,    2017  at exactly  XXXX . So they call ed  two third parties within minutes of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
the balance in full of {$230.00} on  XXXX / XXXX /   17  and the company states they have a hold on the account because the funds have not cleared. However the funds cleared my account on  XXXX / XXXX / 17 . Still it is now  XXXX / XXXX /   17  and they still have a hold on my account stating it still has not cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a letter from Transunion dated  XXXX   XXXX ,  2017  stating that they have verified  a Public Record  of Bankruptcy. I sent a letter to Transunion in response to them on  XXXX   XXXX ,  2017 . I stated in the letter that I would like for them to show me proof of their verification, and any documentation bearing my signature. They have not done that. They have sent a letter dated  XXXX   XXXX ,  2017 , stating that they have verified the public record, and updated the information as well. THIS IS NOT WHAT I ASKED FOR!!!!! They do not state where the information was obtained, and if it was not obtained from  the Court, this needs to be removed ASAP!!! I will be sending the Attorney General a letter, along with reporting Transunion to the BBB as well. This is defamation and fraud.

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 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase seems to be systematically trying to save money at the expense of their cardholders ' credit scores. I  have a  ( 1 ) Chase Freedom card and an ( 2 ) Amazon Prime [ Chase ] card and my wife has a different ( 3 ) Chase Freedom card that I am an authorized user on. Three times in the last 6 months my wife and I have been  notified that we were delinquent on our credit card payments and the reason is that we never received statements. Why did we not receive statements? Because, as Chase said to me over the phone in  XXXX   2017   ( I think ), I must have signed up for Paperless Statements on my Amazon Prime [   Chase ] card. I explained to them that the way I do my monthly bill payments, I MUST have a paper statement sent to me and that I would have NEVER EVER agreed to or signed up for paperless statements. Next came my wife 's Chase Freedom card  which we were informed had a delinquent balance in  XXXX  or  XXXX  of  2017 . Same ca ll to Chase, same response from Chase. No w today,  XXXX   XXXX ,  2017 , I received a text from  Chase about MY Chase Freedom card being delinquent. Same call to Chase, response from Chase rep was that he did not understand how it could be possible that I was switched to paperless statements without my approval because that was the only way ( to his knowledge ) that one 's account could be switched from paper statements to paperless. Coincidence? ... ..three times? I do n't think so. Th is is fraudulent and I hope that CFPB can do something about this. CONSUMERS BEW ARE OF CHASE 'S FRAUDULENT BUSINESS PRACTICES. I 'M SURE THAT I AM NOT THE ONLY ONE THIS HAS HAPPENED TO AND THAT I AM NOT THE ONLY ONE WHO HAS MADE A COMPLAINT ABOUT THIS. CHASE DESERVES TO HAVE A CLASS ACTION SUIT FILED AGAINST IT ON BEHALF OF THE CONSUMERS WHO 'S CREDIT SCORES THEY ( CHASE ) HAVE ADVE RSELY AFFECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
It was time to recertify my pay as you earn student loan repayment plan. I spoke to  XXXX  and submitted my documents. The amount they came back with was way too high. So they instructed me to go on student loan.gov to do a direct consolidation in order to get on a plan that would lower my payment. This info was given aft er 5 or 6 call s to  XXXX  with conflicting info about my payment. There were several payment amounts given with a huge range.  XXXX  to  XXXX . Finally, I was sent to do a direct consolidation. I did that application online and was given a list of servicers to choose from. We CHOSE navient and called them to make sure they recieved our application. They said they never recieved it but they could take it over the phone. So, we did that. They have is a payment plan for my student loans. They said my payments would be  XXXX  a month for 4 months then  XXXX  after that. They told me I had to do an ach payment for the f irst 4  payments then I could pay as i go after that. Well a payment was taken before I could even send my income tax return. So I call navient to find out where i could fax that info. When I called navient back they said they never recieved a payment and the representative told me I was scammed. The company I have money to said they  were Navient and it even shows on my bank account NAVIENT  withdrew  XXXX  from my account. It was n't someone telling us they were giving me a service. They said they are navient and they were collecting my student loan payment. This is the number they left us.  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Creditrepair.com, Inc.
State: NC

Complaint narrative:
On XXXX XXXX 2017, I signed up for credit repair services with creditrepair.com and prepaid before any work was performed on my behalf. I contacted creditrepair.com to have one disputed negative item removed from my credit reports. <P/>On XXXX XXXX 2017, I paid {$14.00} to send my three credit reports. <P/>On XXXX XXXX 2017, a total of {$99.00} was paid for credit repair services which according to creditrepair.com included " credit challenges sent '' to the credit bureaus. I am unsure what credit challenges entailed. <P/>On XXXX XXXX 2017, I faxed documentation to support the billing reporting errors for the negative account and this was done to assist creditrepair.com in getting the negative account removed since my billing statements and what was reported by the credit bureaus were not a match. <P/>On XXXX XXXX 2017, another {$99.00} was paid for " credit challenges sent '' to the credit bureaus. <P/>On XXXX XXXX 2017, I received notification of credit reports received. Although, I already submitted my credit reports on XXXX XXXX 2017, creditrepair.com continued to send my credit reports to the bureaus as late as XX/XX/XXXX. <P/>On XXXX XXXX 2017, I received notification of credit challenges sent again but no evidence of these letters. Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly asked creditrepair.com for proof of the work that they were doing for me. As of today, I do not have this information. <P/>On XXXX XXXX 2017, creditrepair.com informed me that they were unable to get the negative account information removed from my credit bureau reports and closed my account. I was also informed that the supporting documents ( credit card statements from the negative account ) indicated late payments which creditrepair.com was unable to handle. <P/>On XXXX XXXX 2017, I informed creditrepair.com that I NEVER disputed late payments. However, I hired the credit repair service to dispute the MINIMUM MONTHLY PAYMENT AMOUNT on my statements versus what the credit bureaus were reporting. This information does NOT match. According to the FCRA information reported by the credit bureaus should match ( 100 percent ) what is reported by the creditor. <P/>Creditrepair.com lied to me as well as misrepresented what their capabilities were with regard to disputing negative information reported by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Ive been trying to have all information removed from my credit many are paid off and others I have no clue whom they are. Ive reached out to theses companies and neither would provide me with anything about these debts. They 've called me harassing me as well the credit bureau refuse to verify these companies. Ive dispute with the credit breau over and over and nothing has happened.     Account Name :   XXXX   XXXX   Account Number :   XXXX Account  Name :   XXXX   Account Number:  XXXX  Date:  XXXX    Balance   : {$450.00}   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account Name :   XXXX   XXXX   XXXX   Account Number:  XXXX   Date :   XXXX   Balance : {$610.00} Address :   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   Date :   XXXX   Balance :  {$740.00}  Address   :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Account Name :   XXXX   XXXX   Account Number :   XXXX   XXXX   XXXX   Date : unknown Balance : {$450.00} Address :   XXXX   XXXX   XXXX   XXXX  MN  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have a closed complaint, reference number  XXXX . I just received a delinquent tax bill from  XXXX   XXXX .  Shell Point MTG r esolved previous complaint, paid the taxes that were delinquent from  2015  and then cancelled the check after they resolved therefore I still have delinquent taxes due for  2015 . When I called them I spen t 2 h ours on the phone and made no progress  XXXX   XXXX  they sent a check for  XXXX  and then cancelled the check later that month. This check would have resolved my complaint if they would not have cancelled Thank you  XXXX   XXXX   XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation