vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Back in XXXX usaa had informed me that they had given my loan to a different company, this was done without my consent. In mid XXXX usaa sent me a demand letter wanting over {$4200.00} or they would repossess my vehicle. They were trying to tell me how this was a good thing and theyd wipe all bad reporting on my credit report if I paid them. I called to pay and usaa was now demanding {$4900.00}, usaa was not flexible with the amount. I paid and USAA has yet to fix any credit errors. Usaa has been nothing short of deceitful, your agency has fined them and you need to look into them again. They prey on and hurt veterans. They make unreasonable demands and dont hold their end up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I never lived or had any service at company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I wired my mother {$800.00} through Zelle and was billed but the money was never received by my mother. I have contacted my bank who has no answer and zelle who does not offer customer service. Zelle is associated with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I paid my medical bills with XXXX XXXX. The collection company that had the accounts is Credit Collection Services in the amounts of : Account # Amount XXXX {$97.00} XXXX {$150.00} XXXX {$150.00} XXXX {$97.00} Two of the four accounts have been deleted but the other 2 still remain. I have attached a screenshot of my payment email from the original creditor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I sent a certified letter to Portfolio Recovery Associates LLC to answer why they have continuously sent letters stating that I have a debt with them for over {$8000.00}. I never signed a contract with them. I ask for a signed contract with my signature to validate said debt. They sent me a letter with a creditors name, account number, and balance. There was no substantial information provided to me to validate this claim that I owe them for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
I started the FHA XXXX  Refinancing process with XXXX  XXXX  in XX/XX/2020, and I was informed the process would be approved XX/XX/2020, with an interest rate of 2.9 % ; and I would skip the XXXX mortgage payment. On XX/XX/XXXX I received an email from XXXX, XXXX Representative informing me that I would have to make the XXXX mortgage payment. At that time, I had to pay late fees because the payment exceeded the XXXX grace period. I was then informed my refinance would be approved for XXXX XXXX it was not ) and then XXXX ( it was not ). Due to the mishandling of my refinancing I received two late fees and now the inability to do a FHA XXXX XXXX and my credit score drop substantially, which hinders my ability to refinance for the next six months to a year. This situation has placed me in financial hardship and I need resolution. I have text messages and emails to substantiate everything I've listed. I would like to place a FORMAL complaint against XXXX. I have a wonderful credit history prior to this process. The way my case was handle was unprofessional and has caused stress in my household. We are already dealing with a pandemic and this has truly taken me over the edge. I am requesting your immediate attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity banks mobile web site does not provide due dates for the end of the promotional period, when I purchased in store they told me that the promotional period would end 12 months after delivery of the products. Delivery was on XX/XX/XXXX, purchase was on XX/XX/XXXX I paid my bill in full on XX/XX/XXXX with a payment date of XX/XX/XXXX which was the due date posted online when I logged in. The reason I paid in full was because I received an email from them saying that the promotional period was ending soon, it did not provide any dates or detailed information. so when I logged on the web site I just used the payment date which was published of XX/XX/XXXX had I known of course I would have paid sooner They charged me {$1800.00} of accrued interest for this This is extremely unethical and they should be penalized as I am sure they do this to many customers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This is the 2nd dispute for this matter. 
There are 2 incorrect entries on my report, both for XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX is the bank/lender, and XXXX XXXX is the credit report agency for the bank. Equifax has 3 entries listed on my credit report for hard inquiries, where there should only be ONE ( XX/XX/XXXX ). 
I submitted letters from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX that said the only SOFT inquiries were requested, not hard inquiries and they should not be on my report. I was informed by Equifax that I needed these letters to remove the improper and fraudulent entries on my report. However, when I submitted these documents to them, they ignored them, and ( still ) refuse to remove the fraudulent entries. 
Their lack of professionalism and candor has been appalling throughout this process as they have consistently lied to me on numerous occasions. Furthermore, I provided the EXACT documentation THEY requested themselves, and they continue to act in a belligerent and incompetent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
Every month of the year from XX/XX/XXXX to as of now XX/XX/XXXX all negative marks and late payments on a closed account that was obtained with my information and used by some fraudster to scam me and my SSN now discover has a balance of XXXX $ on a credit limit of XXXX $ again I never used that XXXX card! Nor did I ever open that account i have never been a customer of discover card bank XXXX XXXX they have continued to practice criminal behavior they have been told to delete this account and now I have gone to the attorney generals office due to the refusal to comply! The account is not mine it must be removed immediately! Executive office at discover has been complicit in the harm against my fried which was a XXXX when I first realized somebody had used all my old info to obtain this account! They will be sued for this i have XXXX and can not even get a XXXX removed as this has effected my credit and income and my income business! I want it gone now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Incorrect satisfaction of mortgage was recorded at the XXXX XXXX XXXX office. The tax map designation on the lot was incorrect on the satisfaction. This was discovered during a title search of the property as we are selling. I contacted Bank of America by telephone on XX/XX/2020 at XXXX and after 2 hours was routed to " XXXX ''. I was told that a corrected satisfaction would be provided. The subsequent paperwork sent over was not for our property. I was however provided with the direct phone number of the supervisor " XXXX '' at XXXX. XXXX Calls were placed and voice mails left - none were returned. I called again on XX/XX/XXXX and was told to just " send an email and/or fax to the Lein Release department at XXXX. Letter was also faxed to XXXX. An automated response was received on XX/XX/2020 saying that a response would follow within 2 weeks. Nothing received to date.

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have had this credit card since XXXX. Bank of America closed my account for inactivity which I do not believe is the case to begin with but they have closed access to my statements. My issue is with the credit history. Obliviously credit history is a major part of credit scoring. I believe this is an institutional construct to lower credit scores of long term clients by closing accounts without their knowledge. I was not notified and was told I was told that they mailed my new renewal card on XX/XX/XXXX and cancelled the account on XX/XX/XXXX without notification. I find this extremely disturbing and poor business practices. I asked to have my account reopened which seems very easy but was told that is impossible. That seems like an easy fix. They immediately offered to give me a new card which would lower my credit score which they did not disclose. I find all of these reasons that are just as poor form as the XXXX XXXX incident from a few years ago. Thank you for your help.

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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
My wife and I originally applied for a refinance mortgage through Quicken Loans ( Rocket Mortgage ) on XX/XX/2020 with XXXX XXXX. After a while of no contact, no communications, even after e -mails and phone calls, we finally ended up with a new loan officer,  XXXX XXXX XXXX XXXX He said he would take care of everything. He worked up a new estimate, redisclosure package on XX/XX/2020. He sent me a voicemail on XX/XX/2020 saying all was well and Quicken Loans was going to take my mortgage refinance. That was the last I have heard from him. I have tried e-mail, left messages on his phone, left messages on their message board, left messages in his text messages on his phone. We have contacted client services, who have said he would call back, his supervisor would call back, his director would call back. Nothing has happened. Last Friday, XX/XX/2020, I called and talked to a XXXX XXXX and was told she was in contact with XXXX and he would be calling us shortly, that never happened. We have done everything they have asked, including signing The Intent to Proceed on XX/XX/2929, and yet no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I was alerted that my Equifax account was frozen and was asked to submit documentation to prove my identity in order to open my account back up. Listed below are the attempts I have made to rectify this problem by phone call dates, and paperwork submission dates : Phone Call dates : XX/XX/2020 ( 2 calls ) XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 Paperwork submission dates : XX/XX/2020 ( Via facsimile ) XX/XX/2020 ( Via facsimile ) XX/XX/2020 ( USPS ) XX/XX/2020 ( Via facsimile ) With every phone call, the Equifax response was either disregarding my phone call or giving me a statement by an employee the issue would be resolved if I submitted the same paperwork one more time. I have now spent a lot of time and money trying to resolve this matter, and a lot of confidential paperwork has been lost by their department. I have gotten several law offices involved in the discussion of pressing charges, they suggested I start here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
Beginning Monday, XX/XX/2020, I have attempted to contact my lender, XXXX, and the team ( copied ) numerous times via email, text message and phone to answer questions regarding my home loan. Each day, I have been told by various recipients that my questions and concerns need to be directed to my personal lender, as he should advise. Simultaneously, I am told by my lender himself that he is going to check with the team and get back to me, only to leave my calls and messages unreturned and questions unanswered. 

I have been trying to ask questions regarding compliance, policy, documents I have received and, most importantly, communication. I have asked multiple times why there has been a lack of transparency and honesty in regards to my loan in underwriting and as it nears closing. Once again, the team directs me to my lender, and my lender is not providing any explanation as far as the reason for any miscommunication. The lender also added additional charges to the initial closing disclosure, which have been question but he has not provided specific answers. 

Additionally, I have also been asking for a revised closing date for the last four days as my family and I have to make arrangements to attend. Initially, I gave a closing date of XX/XX/2020. Beginning XX/XX/2020, I began asking the lender and the loan coordinator if we are on schedule to close by the given date ; the lender has always told me that we are on schedule and should be closing. During the week of XX/XX/2020, I received communication via phone from the lenders assistant that we are definitely not closing on XX/XX/XXXX and the soonest would be Monday, XX/XX/2020. This was not communicated to me directly from the lender, who still said he had only hoped it would have closed on the original date. To my knowledge, my file was not sent to XXXX XXXX on Friday, XX/XX/2020 as the lender stated in the email below. The closer, XXXX, at the title company, has said to me that she has not received anything concrete from the lender and the team and will not schedule closing. 

To reiterate my concern, both the seller and the contacts at the title company both share the same sentiment : that XXXX and the team are not responsive to their calls and emails. I do not believe they are telling me this to get me worked up, as the lenders assistant said to me via text. Understandably, we are all trying to close on this deal ; however, this can only be done when there is communication between all parties involved. I, as the buyer, have the right to obtain feedback from all parties and have attempted to sort through the misconstrued information as best as possible. As the buyer, I also expect my lender to provide timely and truthful answers to my questions about my loan specifically and the buying process as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NY

Complaint narrative:
I received a letter sent on XX/XX/2020 from Capio Partners, it said " Your XXXX XXXX  XXXX  XXXX  account has been sold to XXXX XXXX XXXX. Attention has been contracted to collect the outstanding balance. '' The balance due is {$1800.00}, but they offer to settle for XXXX if i pay by XX/XX/2020. 

I have XXXX and have XXXX which covers all my medical bills. I have tried to call XXXX  XXXX XXXX and Capio Partners. XXXX  XXXX tells me they are not the company I am looking for and Capio Partners goes to a voice mail. 
I noticed my credit score drop recently and I believe this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The issue is that Experian is in violation of my rights under the FCRA. They have failed to provide me with the methods that they used to verify false information on my credit report. Not only have they failed to provide me with proof of an actual investigation, but they continue report accounts that could not be verified by to original creditor. 

OnXX/XX/2020, I sent a letter to Experian via certified mail ( tracking XXXX ) requesting that they provide a summary of how they verified the information on my credit report. Experian never responded to my letter and they continue to report unverified information and accounts. The method of verification should be provided within 15 days, but it has been nearly two months. It is my understanding that any information that can not be verified must be removed. Information that they fail to show how it was verified must be removed as well or I can hold them liable for damages. 

I also took the liberty of reaching to the individual creditors. XXXX XXXX XXXX  could not be verified because the address provided was not a real address ( a image of the returned envelope is attached ). The XXXX XXXX XXXX  was removed but added back to my report without any explanation by Experian or the creditor. The XXXX XXXX XXXX never responded to my request and they report that I live in Arkansas. I have never lived in Arkansas. 

By continuing to report this inaccurate and unverified information, that are in violation of the FCRA and could potentially be liable to fees and legal action. I have attached all of the letters and information that I have sent to them.

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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I rece

ived two unauthorized charges on my checking account, I tried to have them stopped and reversed. Each time I talked to the bank they gave me a different reason why they could not stop the transaction or revise the charges. I chose not to continue my phone service with XXXX XXXX ( XXXX XXXX XXXX ). I started service with another cell phone provider ( XXXX ). On the same day, I started the new service XXXX XXXX XXXX charged my account for coming month. I contacted XXXX XXXX XXXX. The phone representative told me we do not make refunds under any circumstances. I immediately contacted 5th 3ed Bank to request the transaction be stopped. 5th 3ed Bank told me they could not stop the transaction because it had not posted.

Four days later contacted 5th 3ed Bank after the XXXX XXXX XXXX charges were deducted from my account. I was told that they could not reverse the charge because the charge was not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Financial Management Solutions, LLC
State: GA

Complaint narrative:
i sent out disputes to the credit bureaus on XX/XX/2020 about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed a police report also filed an ftc report as well.

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have two accounts old accounts listed from chase appearing on my credit report as a charge off. The accounts and charge offs are over 7 years old they should be deleted from my report. The company refuses to verify any of the information as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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