vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am XXXX XXXX  so I am contacting you via email regarding my concern for a dispute I currently have open for unauthorized theft of my debit card. 

When I opened this claim I informed the person taking the claim the following. 

I used my card for gas on the day I went to urgent care for not feeling well. I had a XXXX test that same day I used my card at the gas station. It appears the next day my card was used twice a day on a daily basis until my balance was to {$3.00}. 

During my initial claim I stated I tried paying at the pump but the screen would ask for a pin number but still not authorize. I had to go inside and there was a very long line because it seemed everyone was having an issue with paying at the pump. 

I faxed a copy of my XXXX XXXX message received to my phone into your disputes department. This would show that I was confined home and not feeling well while my card was being used daily with no unusual activity being picked up by USAA 's system. 

Today I stopped for gas at the same station and there was a man taking videos and photos of a device attached to the pumps and the ATM machine at this same gas station. I used my card then the theft occurred. 

I am attaching photos of this device the man was pulling from the pumps and two ATM machines. I do believe he called the police to report this and turn the devices over to authorities. 

Please have this information reviewed and sent to your disputes department to assist in the possible recovery of my approx {$3500.00}. 

Thank you and if you need my assistance please send me an email. XXXX XXXX & Happy Holidays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2020, I ( XXXX XXXX XXXX attempted to pay a residential handyman for his services for an amount of {$1800.00} via XXXX. The payment did not go through immediately as it usually should. So, I called Ally and tried cancelling the XXXX transaction and instead try XXXX this time. Fortunately, the XXXX transaction went through and the handyman got paid for his services. However, XXXX did not block the previous transaction as requested, and went ahead with the duplicate payment on XX/XX/2020. 

The recipient, knowing the quandary I was in, informed me that he wasn't able to receive the XXXX transaction as well as he didn't have an account with XXXX at that time. This was the last time I was able to make contact with this handyman. As of today, this {$1800.00} is being held with XXXX due to " compliance reasons ''. 

Since XXXX, both XXXX and Ally have been playing a game of cat and mouse by not giving a clear response on when this transaction would be reversed. XXXX wants Ally to initiate a claim to reverse this payment, and Ally refuses to do the same. This practice is fraudulent and unethical and I need 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 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX Comenity Capital Bank sent a physical letter with bias and contradictionary answers to why they would not increase low balance credit limit. Included by not limited to they only deal with land owners ( which they gave the card to people who were not land owners ), and they don't consider themselves a bank " No open bankcards in your credit file '' I sent a leter but have not heard anything back yet. 
In regard to a credit limit increase i requested XX/XX/XXXX. for an account i have had open and had in good standing since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax dispute site is not properly working to dispute medical  workers compensation items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.

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 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I was a victim of international fraud through an elaborate scheme in which international scammers ( XXXX I believe ) reached out via email posing as my Director and asked me for my phone #. They texted me and I thought it was him asking a favor. I was instructed to purchase {$1000.00} worth of gift cards for me CEO which is not out of the normal for my company as far as gifts of that nature. I figured out it wasn't my director at the point of about to transmitting the funds and did not give them the info to take the funds. I attempted to return the the market, they told me to got the " XXXX '' whom the cards were purchased for. XXXX Fraud looked up who they purchased the cards from which was Blackhawk Network. I explained the scenario and just asked if they can give me my {$1000.00} back in exchange for the {$1000.00} of gift cards with fund still on it and was rejected w/o no phone call or anything but just an automated response. 

Upon my rejecting their rejection and telling them I would escalate to the XXXX/CFPB if I didn't hear from their management they reopened the case immediately and said they would continue to investigate. It has been over 10-days since my initial complaint and I have spoken to no one and been sent numerous automated emails. 

I have the funds on the card and think this should not be this complicated yet they want to take no action and hold on to fraudulent funds they are considering profit on their balance sheet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 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: OK

Complaint narrative:
Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.

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 2020-12-17 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: KY

Complaint narrative:
At this point I don't know what to do anymore. I'm sitting here crying while typing this complaint. This is my second complaint, I was accuse of not being me? I've been going through this process way too long and I can't take it anymore. I'm in distress and I truly feel like I'm being taken advantage of and I feel like I am being ignored. In my first complaint Experian responded saying I wasn't me I'm sick of going back in forth. Again, I submitted a dispute XX/XX/2020 and have yet to recieve any indication that my disputes are being investigated and I haven't received any results. In section 611 a it's stated that a failure to investigate the items I disputed within 30 days is a reason to remove those items from my credit report and it's now been over 40 days. I demand that these accounts be deleted immediately or I will be filing for litigation due to the XXXX  you have caused me and my family.

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 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XXXX XXXX I paid {$100.00} for a XXXX  with XXXX XXXX XXXX. Unfortunately it was not a XXXX, the dr did not even look at the area I wanted the XXXX  XXXX done on, did not answer questions, this was not a XXXX. I sent an email with questions and concerns to XXXX of XXXX XXXX XXXX on XX/XX/2020. XXXX replied on XX/XX/2020 stating that they would issue me a full refund for {$100.00}, did not want to work with me on my XXXX. See her email below which I have attempted to share with US BANK for dispute claim : From : XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX  < XXXX XXXX> Subject : Re : Additional questions XXXX, After speaking with Dr. XXXX and staff, I believe it would be mutually beneficial to terminate the physician/patient relationship between our office and yourself and that you locate a new physician for treatment. You may contact our front desk and we will issue you a full refund for the {$100.00} consult fee you paid to your original payment method. 
Sincerely, XXXX XXXX  Manager XXXX XXXX  XXXX ( XXXX ) XXXX I disputed the {$100.00} charge with US Bank on XX/XX/2020. US BANK issued {$100.00} provisionary credit and did not indicate that I would need to follow up with them, just explained that they would investigate dispute. 
On XX/XX/2020 US BANK to my surprise with no explanation reversed the {$100.00} provisionary credit. I called US BANK and spoke with a supervisor named XXXX who explained that I never provided completed form that they needed. I explained I never received any form to fill out. XXXX said he would send the form via US mail. I waited and the form never came. 
At this point on XX/XX/2020 I reached out to the dreaded XXXX at XXXX XXXX XXXX asking that she issue refund as promised because my dealings with US BANK were an awful runaround, dead end, nothing was being solved. XXXX said she would issue check if I removed negative review I posted about the XXXX XXXX XXXX. The check never came, she lied. 
I called US BANK again on XX/XX/2020 asking for the form, for ways to get my {$100.00} back and the rep told me my dispute had expired. I asked to speak with a supervisor and he said he would have one call me back. No one ever called. 
On XX/XX/2020 I called US BANK again asking for help with this dispute. I spoke with XXXX, a cardmember service rep and no resolution was provided, I am still owed {$100.00}, have not been given proper opportunity to provide proof that this dispute is valid.

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 monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The lender in question is : Mr. Cooper and the loan number is : XXXX XXXX County and the State of Texas have deemed me to be property tax exempt. The tax exemption was effective XXXX. I received the tax exempt letter in XX/XX/XXXX. I first notified Mr. Cooper of this situation and asked for them to stop withholding property tax in my escrow account on XXXX, after a phone call with the company informing me I had to submit a copy of the document ( see attached ). I make a 2nd attempt via phone call and letter on XXXX after I received no response from the first request. I called Mr. Cooper again to follow up in XXXX, and then again on XX/XX/XXXX. On this call I had a very helpful lady who said that she could see the documentation had been received and was in my file, and that she was sending a request to some department to stop withholding property tax. She said to call back in 5 business days. I called back on the afternoon of XX/XX/XXXX. Again the lady was very pleasant - I have no issues with the phone reps I dealt with. She also said that she could see the documentation in my file, but no review had been done. Then she said that due the loan balance to value ( initial loan amount ) was over 80 % their policy would not allow them to stop withholding property tax for escrow. She could not grasp the fact that I am property tax exempt - she only spouted the company line of " it's our policy ''. When is it permissible for company policy to override state law? As I am tax exempt, there is no legal basis for Mr. Cooper to continue to withhold property taxes from my monthly payment. 

Please see all attached documentation - to include copies of letters sent to Mr. Cooper, copies of the statement from the XXXX County Tax official granting the XXXX veteran 's homestead exemption making me property tax exempt, the XXXX statement from Mr. Cooper showing the total amount of property tax paid, copies of the monthly statements available for download in the their system showing that the continue to withhold property tax funds in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-17 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: NC

Complaint narrative:
I filed a complaint XX/XX/XXXX.Three days later the dispute was closed. I sent documents proving that the information was invalid from XXXX XXXX XXXX. I have disputed a few times with XXXX XXXX XXXX. They are making up this amount and have no proof. I have proof from XXXX XXXX on the amount. When the reports do not match accurate information it should be removed from the credit report stated by the Fair Report Credit Act. This company has not removed the report and opened up another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SAMC Honebee TRS, LLC
State: LA

Complaint narrative:
In XXXX of XXXX my husband was put on permanent XXXX. I was making the payments on my mortgage until Covid hit. I put the loan on deferment for 3 months. The situation with COVID has not improved and I am still not working full time. I have applied for a loan modification on XX/XX/XXXX. To date I am still submitting the same information to them in a different format. I have sent everything needed at 5x just a different format. I have a leave messages to get a call back from my specialist. I do exactly what he says and call the next day and he wants it differently. I received 2 notices of foreclosure and I have been touch with company everyday resubmitting the same information in a different way. I really need some help getting this process moving and the foreclosure notices to stop and help me obtain approval for the modification. I have numerous files and will upload whatever you need. I am sending a few as samples of the documents being sent multiple times with small differences etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Had insurance through escrow but they started adding fees on saying I needed to pay insurance through them. They raised my mortgage pmts to double and I can not afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX made a XXXX payment which has not been applied to my account. I called loss mitigation and informed them that XXXX XXXX XXXX XXXX made a payment in XXXX. After doing some research I received an outbound phone call by a women in loss mitigation and I was informed that guaranteed rate received the payment. XXXX XXXX XXXX XXXX also reports that no one at guaranteed rate is confirming or denying that they have received the payment so they could not reissue it. Guaranteed rate is still reporting it as missing when it should not be. I have also attached the receipt of the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Husband XXXX XXXX from XXXX and he was main provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC Product : Credit Card Balance Owed : {$1200.00} Pay Your Balance Original Debt Amount : {$1200.00} This company keeps sending me emails and letters saying I owe them money I have never had and currently dont have any cards or business with XXXX send a letter as week trying to collect money I dont owe and are stating it was over 10+years ago

Company response to consumer: Closed with explanation