vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA has blocked my access to online banking because I refused to divulge personal and financial information that was unrelated to my banking activities. I made repeated attempts to address the issue with USAA banking and security representatives. They provided me with vague responses while citing the Patriot Act. The questions they asked via an online pop-up window were outside of the scope/purview of the banking Customer Identification Program ( CIP ) as defined by the FDIC and Treasury Department. For the record, I am a retired service member with over 36 years of combined military and federal government service. I have owned the accounts managed by USAA for over 35 years. I am not seeking a loan with USAA or any other bank. 
There is no need or justification for USAA to ask me what my net worth is, details concerning my income, or whether I am a current or former high-level foreign government official, or a relative or close associate of one? In my opinion, these intrusive questions are in violation of the 1978 Right to Financial Privacy Act ( RFPA ). Even after four separate consultations with USAA they continue to block my access to my accounts via their online banking functions/site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Lender Inc
State: PA

Complaint narrative:
On XX/XX/2020 I contacted XXXX XXXX XXXX and explained to them that I lost my job on XX/XX/2020 due to Covid-19 and wanted to see how could they help me with this issue because I been trying to fix my credit for 2 years and thats the reason I joined them. I missed the payment for 1 day but it wasnt because I didnt want to make the payment I lost my job and I was afraid with the little money and I had and had to wait almost 4 weeks to receive my first unemployment check. So the representative I spoke too said they were not going to report me and that they were going to help me.I told them as soon as I get my first unemployment check I would make the full payment immediately and did the payment on XX/XX/2020. I kept my word But they still reported me late to the credit bureaus when they said they werent going to do that. Im really disappointed because all the companies I have credit cards have worked with me but this company that offers you to help you with your credit builder account, I thought they would understand my situation but I guess they dont. I called them on XX/XX/2020 and explained the situation that they said they werent going to report me but said they couldnt do anything about and had to report it to the credit bureaus. Im very disappointed about this. I also reported this to XX/XX/XXXXbecause this is wrong on so many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Summary : On XX/XX/2020 I closed a joint checking account due to divorce proceedings to mitigate the possibility of charges hitting the account. On XX/XX/XXXX a charge appears on the account which was closed and the account is apparently open again. I have attempted to address this with TD Bank via secure email, and the phone numbers published on a collection letter I received XX/XX/XXXX. No response from the secure email, and phone number does not lead to anyone that I can speak with about the issue. 

Details : 1 : XX/XX/2020 Closed Account ending in # XXXX at a TD Bank location The reason for closing was to end a joint account to protect me from possible charges from my soon-to-be wife I XXXX  out the account 2 : XX/XX/2020 I was refunded an over payment of {$19.00} on the closed account. This was due to overpaying to XXXX  out the account on closing. 
3 : XX/XX/2020 the account appears open with a - {$140.00} charge on the closed account.

4 : XX/XX/2020 I send a secure email to TD as instructed through the mobile app to find out why this account is active with no response.

4 :XX/XX/2020 TD Charges me a {$15.00} maintenance fee for the closed account 5 : XX/XX/2020 I receive a collection letter from TD Bank for collecting {$140.00} I call the number provided in the letter, the individual tells me theres nothing they can do and the account appears open and there's no-one I can further speak to about this. I have no way of speaking to someone about the failure to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The accounts on my credit report do not appear to be mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: U.S. BANCORP
State: IL

Complaint narrative:
In trying to resolve a disputed error on my credit report with XXXXUS Bank for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry from XX/XX/2014 as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX and XXXX  and creditor directly. I appreciate any assistance you can  provide in clearing this matter.

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 2020-05-14 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: NY

Complaint narrative:
Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX credit account. XXXX on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 21 points. I worked with XXXX to resolve the issue and had them correct it at their end ( I have a letter from XXXX which confirms the correction ) .However the department within XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. I also worked with experian to rectify this error by providing them supporting documentation from XXXX but as per experian they have not received any updated information from XXXX  to remove deliquency. I have been thrown in circles by both of these companies- experian and XXXX credit reporting department. XXXX, on each call has confirmed that from their end the account is current and has never been late however Experian is still reporting the account as 30 days past due in XX/XX/2020. 
Experian on XX/XX/XXXX - report number XXXX, corrected the information but on XX/XX/XXXX - report number XXXX again published incorrect information. 

This is a pure example of missing links in the process which XXXX   uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify and update information. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me from moving forward with my home buying process. I would like to request experian to remove 30 day delinquency attached to my XXXX  credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. Thanks

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 2020-05-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I am writing to complain about incorrect credit information which is appearing on my XXXX   credit report for a Macys credit account. Macys on XX/XX/2020 reported my account as 30 days late to XXXX. This update flagged my account negatively and brought my score down by 21 points. I worked with Macys to resolve the issue and had them correct it at their end ( I have a letter from Macys which confirms the correction ) .However the department within Macys which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to XXXX. I also worked with XXXX  to rectify this error by providing them supporting documentation from Macys but as per XXXX  they have not received any updated information from macys to remove deliquency. I have been thrown in circles by both of these companies- XXXX   and macys credit reporting department. Macys, on each call has confirmed that from their end the account is current and has never been late however XXXX  is still reporting the account as 30 days past due in XX/XX/2020. 
XXXX on XX/XX/XXXX - report number XXXX, corrected the information but on XX/XX/XXXX - report number XXXX again published incorrect information. 

This is a pure example of missing links in the process which macys uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify and update information. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me from moving forward with my home buying process. I would like to request XXXX  to remove 30 day delinquency attached to my macys credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. Thanks

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 2020-05-14 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: IL

Complaint narrative:
XXXX and XXXX  Have both deleted this XXXXXXXX account from my profile. I have attached my credit report proving that the XXXX XXXX  account with account number # XXXX. I have previously disputed this account and Experian has still failed to delete the account under FCRA Section 609. I have attached that finger hut told Experian to remove the account and they still have the account reporting. This is a violation of the FCRA and I can receive monetary damages under 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 2020-05-14 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:
The accounts on my credit report do not appear to be mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been paying on my student loans for over 20 years. I have been a full time XXXX   for over 20 years. After being denied consideration for the Public Loan Forgiveness Program by fedloan servicing, I applied for the TEPLFP on XX/XX/XXXX. In XX/XX/XXXX, I was denied based on having XX/XX/XXXX qualifying payments. I reapplied in XX/XX/XXXX and was told by a representative of fedloan serving that I should definitely qualify. Today, I received an email from fedloan servicing that I do not qualify for TEPLFP because they have changed their qualificationsfrom 12 qualifying payments to 120 qualifying payments ( same as PLFP ). I had applied for a program, and I feel they should honor the terms of the program I applies for. I have never been delinquent on my student loans for the entire time I've had them, which is over 20 years. My payments are currently {$760.00} per month. I have gotten my hopes up for student loan relief numerous times just to find out that I don't qualify base on some small detail or because the qualifications suddenly changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to NCB and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, XXXX results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina  ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
I called Jefferson Capital regarding a collection on my credit report. The only option was for me to call another collection agency. I called the other number and spoke to a lady. I asked her about the debt. I wanted proof and verification that this is in fact my debt. She asked me to verify my info and email. She told me that she would send me the info via email. Then she ask me if I could make an arrangement to pay for the debt. The debt is {$9900.00}. She was willing to settle it for $ XXXX and in 30 days remove it from my credit BUT she would need to contact Jefferson Capital to verify if they would allow the settlement. I said ok. She said she would call me back. I NEVER heard from her again. This was on XX/XX/XXXX. I called back the next day and it went to a man 's voicemail. So I called with my sons phone and spoke to another lady. She stated I should definitely hear back from the company on Monday XX/XX/XXXX. I have yet to receive any email nor any call. This is affecting my credit score and it really is unfair that a company is reporting on my report yet allowing a different company to collect the debt. As a consumer I feel afraid I will get scammed out of my money in this instance because I can't be certain that they will keep their word. Especially from this experience so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: MS

Complaint narrative:
I have contacted Experian and told them that this is a FRAUD account and needs to be delete from my credit report. I have not received anything from this company or give them permission to access my credit report. There are inquries that I didn't give permission to have reviewed my credit either for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Please delete this FRAUD information.

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 2020-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NewRez mortgage company has mishandled our escrow account. Our XX/XX/XXXX taxes have gone unpaid as well as our XX/XX/XXXX hazard homeowners insurance. We spoke to the company over the phone in XX/XX/XXXX. We noticed that our taxes had drastically increased and wanted to ask about the process of increasing our escrow balance and how our monthly mortgage may be affected. They informed us that they would make the payments and contact us when we needed to adjust our rates. In XX/XX/XXXX we noticed our taxes had not been paid and once again called them to ask why it had gone unpaid. They asked us to forward our property tax bill, which we did in an email, and then told us all would be handled. In XX/XX/XXXX not only did we receive a final notice on our property tax but a notice that our homeowners insurance has also gone unpaid. XX/XX/XXXX we called the company. The automated system informed us that a payment did get made to the insurance company. Once we were speaking to someone they informed us that no payment was shown on their end on either the insurance or the taxes. Our taxes due in XX/XX/XXXX were {$4800.00} due to it going unpaid they are now {$5200.00}. We now owe an extra {$370.00} due to their inability to handle our account properly. They once again asked for our tax bill which we had already sent them. They should have full access to the property tax bill and we should not have to go to these lengths to pay our bills. Our insurance goes unpaid at {$2700.00}. We only have XXXX in our escrow at the moment. We are now short XXXX in order to pay our taxes and insurance in full. We reached out months ago in order to prepare financially for this and were taken care of by incompetent people. There is no reason this should have gone unpaid and become a burden on our family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX AKA PayPal Paycheck Protrection Program loan Underwriting Team on behalf of XXXX XXXX XXXX XXXX XXXX, UT discriminated against me by using a credit score as a basis for the SBA 's Paycheck Protection Program. I had no disqualifying factors for the PPP loan : I was not suspended by any Federal agency from participating : I have not defaulted on an SBA loan in the past ; and I was not presently incarcerated, on probation or parole, or subject to arraignment or an indictment for any criminal charges ; and I did not have a felony on record within the last 5 years. 

LOAN BUILDER AKA PayPal Paycheck Protrection Program loan Underwriting Team on behalf of XXXX XXXX XXXX XXXX XXXX, UT also did not process my PPP loan request ; because ; it said I did not supply sufficient payroll information. 

This could not be further from the truth ; as as XXXX XXXX   XXXX, I have no employees but I provided my government-issued ID, bank statements, Form XXXX Schedule C, and XXXX for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: CO

Complaint narrative:
we were on six month lease with the owner ( i do not recall his name ) and real property management Colorado, we received a call that the owner would be returning to the house that we were residing in and he would be moving in the following month. And we weren't allowed to renew the lease for that reason and had a month to clear out, our deposit was not returned to us. and we also replaced the stove while there because the original stove did not work, which i never got compisated for. i did not receive an answer. as i left when the lease terminate and i never received my deposit nor the {$800.00} for the stove.this account is on my credit report and is inaccurate, i called NAR XXXX XXXX ) at different times today to explain the situation but they did not answer. i need this account removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I never received a call, letter or notification from this company. All of a sudden it popped up on all 3 of my credit reports. Called them and asked to explain no response phone call dropped no answer when I called back to see what this is about. Last week XX/XX/2020

Company response to consumer: Closed with explanation