vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On the XXXX of XXXX, while reviewing my checking account online, I noted 2 official check requests for a total of nearly {$5000.00} which I had not authorized and had no knowledge of. I immediately contacted USAA through their secure chat line and reported them. Shortly thereafter an email from USAA said a temporary block was placed on my Ipad/tablet for the signature Visa ending in XXXX. XXXX pay transactions will not be permitted but the card can still be used. That was the only communication received from USAA. 

Two days later I tried to get a withdrawal from an ATM and was denied due to insufficient funds. I immediately contacted USAA and was told both my checking accounts were frozen as part of the fraud investigation, and would be frozen for 3 business days. 

On the XXXX of XXXX, I checked my account online and found they were still frozen, and that a fraud affidavit had been mailed to me. I asked they send it by email, but that was declined and it will go to my mail forwarding service, and I will get a pdf of its contents in several days. However, I will not get a hard copy for at least 2 weeks after I return to the US. I was also notified that the fraud investigation may take up to 180 days and may not restore the funds, depending on whether they could be recovered. 

On the XXXX of XXXX, I checked again online and found my account still frozen. I was told by the chat assistant that they would submit a request to the fraud department to find out how long to expect the account to be frozen, but it may take up to 3 days to get a response. I asked about a property tax payment I had scheduled through USAA Bill pay in late XXXX, which USAA said had been completed on XXXX XXXX, but had not yet cleared my account. The assistant said it had not yet been presented to USAA, but if it was while the account was frozen, it would be returned, leaving me vulnerable to the fines and fees associated with returned check. 

I also have a pending property tax payment which had been made through the USAA bill pay system on XXXX XXXX, but which had not cleared my account. I was told the check had not been returned to USAA yet, but if it was while the accounts were frozen, it would be returned accruing interest and penalties. 

Meanwhile, the only communication that I have had from USAA, besides the online chats, was that email on XXXX XXXX. 

So, here I am on foreign travel, with the prospect that I may not get the {$5000.00} fraud that was done through USAAs system with no input by myself may not be recovered, but my current {$20000.00} in my checking accounts are not accessible, and that my property tax payment will likely be returned. 

BY WHAT AUTHORITY CAN THEY CONTINUE TO KEEP MY ACCOUNTS FROZEN?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 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: IN

Complaint narrative:
I have tried multiple times to have Experian remove an improperly reported debt from XXXX and they again reported that it was in collections as of XXXX ; Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Government Overpayment Experian is reporting it as : Balance on XX/XX/XXXX Loan Amount {$1200.00} AND XX/XX/XXXX C ( collection ) Status date XX/XX/XXXX I have disputed this with them XX/XX/XXXX and again XX/XX/XXXX and instead of fixing the problem, they reported that I made this debt XXXX of XXXX and I can only assume this was to be malicious. I do have the proper paperwork stating that the account was paid in full as of XX/XX/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 2021-05-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The company is listed as SYNCB/TJX CO which is TJ MAXX. I am showing a Hard Inquiry from both XX/XX/2019, and XX/XX/2019. I don't recognize nor did I authorize either of these and although both are due to drop from my XXXX  report in the next few months, both were supposed to be removed that year. I am not sure why they are still there. I was told they would be removed at the time.

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 2021-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I received calls from the debt collector and the debt collector changes the number they are calling from. In addition to XXXX, there is also XXXX, XXXX. 

This is related to previous cfpb complaint numbers : XXXX XXXX I am unemployed and can not make payments. This is a temporary situation and was explained to Hyundai and the creditor both on the phone and in writing. Two letters were sent requesting a payment plan so that I can make minimal good faith payments somehow. 

When I spoke to the creditor on XX/XX/13, the creditor said they receive my first letter requesting a payment plan, but I would not receive any payment plan in writing, that it would not happen.

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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I originally made three ( 3 ) transactions on XXXX for Bitcoin XXXX BTC ) payments. Each payment went to a scammer unknowingly. The scammer refused to provide the product as he promised, leading to the final realization that I was truly scammed. 

The three ( 3 ) transactions were all online, each occurring on XX/XX/2021, XX/XX/2021, and XX/XX/2021, in that respective order. The total amount of money scammed through the online platform Moonpay.com was {$6200.00} XXXX USD worth ), which is a high number. 

Afterwards, I then filed three ( 3 ) separate claims through my bank, Bank of America, hoping that they would fully reverse all the amounts into a refund back into my checking account. Unfortunately, Bank of America refused to refund each transaction, meaning that I had to pay back the full monetary amounts within one ( 1 ) month of claim closures. They denied the claims because they told me that the transactions were authorized by myself, which is true, but the money went nowhere useful, so it is lost, for now. 

I am extremely disappointed with how this all turned out so far, and now I am scrambling to get my money back that I lost. I will contact the Delaware Department of Justice Attorney General as soon as possible so I can get my money back legally and without any issues moving ahead. Hopefully a final solution will be resolved. 

Please see the six ( 6 ) supporting documents that describe this complaint in full. Three ( 3 ) of the documents are the online PDF claim rejection letters from Bank of America, while the other ones are just JPG screenshots of each of my claims on Bank of America 's website, indicating the claims ' processes with given timeline dates.

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 2021-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My name is ... and Im writing to you to complain about the response I received from M & T Bank to my request. 
On XX/XX/XXXX I sent by mail and email my request to M & T Bank, along with the documentation ( attached ). 
On XX/XX/XXXX I finally received an answer from the bank, by email, after I requested it by phone ( attached ). I noticed that the response its automatically generated by the software, it is not addressed to myself and does not contain any explanation related to the case I brought to the banks attention. 
In fact, Im the third borrower, along with my ex in-laws ..., .., on a property located on .... 
In XX/XX/XXXX, I got divorced from my ex-husband ... and stipulated in the divorce agreement, that he will be starting the process of removing my name from the mortgage obligations, as well from the title and deed. He was the one who took care of all mortgage obligations, on behalf of his parents. He started the process to fulfill those obligations ; unfortunately he passed away on XX/XX/XXXX. The mortgage payments were made by my ex-husband estate for more 3 months ( XX/XX/XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I started the legal process through the court to remove my name from the mortgage, title and deed obligations, and substitute myself with the estate of XXXX XXXX. 
On XX/XX/XXXX, ... t granted my motion to name the Estate of ..., .., Administrator ( the Estate ), as the substituted party in place of plaintiff, ... ( attached ). 
In the light of all these, I consider the bank did not evaluate my case with proper attention. 
Im a client of the bank and definitely I was not treated accordingly. 
My case is very complex and thats why requires legal instrumentation ; it seems that it was a very easy decision for them to deny my request. More than that, it took over 30 days to decide it. 
I come to you asking for help in determine the bank to approach my case in a professional manner, to take in consideration the court order along with all the documentation I have and to make a fair decision. 
I cant afford to have an attorney, my financial situation is on a surviving mode, my credit score is ruined and reduced my chances to get a better job, to pay for my daughter college, to secure housing in the future. 
I dont live on that property ( the other two borrowers live there ) and Ive never lived.

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 2021-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I sent correspondence highlighting the below misleading and inaccurate information. As of today over 60 days later and still no response. After finding out that my information was impacted by the Equifax data breach I feel more than ever my information was compromised. I also learned according to FDCPA Section 807 it is illegal to report inaccurate information. I look forward to an expedited deletion of these erroneous items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the BBB and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: MI

Complaint narrative:
I have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the BBB and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.

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 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
Mortgage payments made monthly since loan modification in 2014. Was notified by XXXX XXXX XXXX XXXX in XXXX that a past due amount was owed {$6700.00}. XXXX XXXX XXXX XXXX is sub serviced by M & T Bank in which that is where the loan payment has been going. I have copies of every payment made since 2014.

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 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was in a forbearance agreement due to covid-19 this forbearance is about to expire in XX/XX/2021. 
I submitted a loan modification request on XX/XX/XXXX, Chase only took few days to tell me that because I'm self-employed I don't qualified to obtain a loan modification. I ask why they did not have a valid answer. 
I re-applied back on XX/XX/2021, to obtain the same answer from chase. 
they only said I can only due a repayment plan, this repayment plan was for {$3500.00} in an amount that I can't truly afford. 
I ask who was my investor? they answer that XXXX XXXX was in fact the investor on my loan. when I look up XXXX a tool to see if XXXX XXXX owns the loan in fact XXXX https : //loanlookup.freddiemac.com/** the XXXX XXXX web page it's said that XXXX XXXX XXXX not own the loan. 
My intentions were never to fall behind any of my payments, I'm a realtor and work hard to provide for my family. due to the pandemic I was not able to show houses for almost 7 months, this is the main reason why a fall behind on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I got a car loan through Western Funding, on XX/XX/2015. I had the car XXXX week before it started breaking down and leaving me stranded with my baby on side of the road, I had the car towed to the car lot per/ Western Fundings orders, after they fixed the engine pully that broke and stranded me and my 2 month old daughter I had the car 2 days after the car lot worked on it and the car completely quit so I called Western Funding yet again and of course they told me to have it towed back to the car lot so here I go spending another {$170.00} for towing fee, the car lot tells me that the car is a lemon and they want to give me a different car. I agreed, the bank aka/Western Funding also agreed, but then tells me I need to put ANOTHER {$2000.00} downpayment on a car that was {$3000.00} cheaper than the previous car, the sales man and I both was confused on to why I need to pay more of a downpayment, so I told Western Funding NO I couldn't afford another downpayment I had just given them {$3000.00} downpayment 2 weeks ago, so now not only am I without a car I'm also without the {$3000.00} downpayment I had just gave them, Western Funding refused to give me any of my downpayment back which when I originally opened my Auto Loan account with Western Funding they told me I had 30 days, if the car broke or was faulty I cod get my deposit back, and that it would NOT go against my credit. Well that's all a LIE they have 2 REPORTS on my credit and refuses to stand for HONESTY AND DIGNITY.. they are scam artists they tell you what you NEED to hear in the moment of need and XXXX YOU AS SOON AS YOU BECOME THERE CUSTOMER

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the discover app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If discover had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call discover and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the XXXX  app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If XXXX  had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call XXXX  and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.

Company response to consumer: Closed with explanation