vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA Federal Savings Bank ( USAA FSB ) closed all of my accounts in XX/XX/2018 without informing me of the reason. I attempted to determine the cause of the closure and all the USAA FSB representatives I spoke with refused to give me any details. The closure had two primary impacts. First, I was forced to move ( after 20 years with USAA FSB ) all of my accounts to another financial institution. This consumed considerable time and expense as I had my personal checking and savings accounts, checking and savings accounts for the care of my XXXX mother, and my daughters college savings account with USAA FSB. Direct deposits, bill payments, automatic transfers, etc. all had to be reconfigured. 

Second, USAA FSB also revoked my online access to usaa.com, which then impacted my USAA provided insurance service as I'm no longer able to access those insurance accounts online. Given almost all communications are done electronically through the usaa.com website there is now a constant problem accessing insurance information. For example, my auto insurance information was provided through the USAA mobile app, as is emergency service information, which I now can not access because USAA FSB shut down my account. 

Despite numerous attempts to communicate with USAA to attempt to understand why this happened, let alone petition to have them re-estabish my accounts or at least online access to insurance products, I've failed to receive any explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I called my loan service provider up last week telling them i want my payments to reflect every saturday till the debt js cleared. My loan service provider agree, so when i got payed on this past Thursday my loan service provider ( Navient ) took my money two days earlier without telling me, that they were going to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. XXXX XXXX and Transunion.

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 2018-12-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. Equifax, XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. XXXX, Experian and 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 2018-12-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Millsap & Singer, LLC
State: MO

Complaint narrative:
Late XXXX I applied for loss mitigation and in XXXX I received a letter saying my application was being processed ... On XX/XX/2018, I received a letter saying I am ineligible for loss mitigation, then on XX/XX/2018, I received a letter saying why I'm ineligible and the other dated XX/XX/2018 saying I had until XX/XX/2018 to decide if I would be doing a short sale, as noted this is now too late ... I then call XXXX, XX/XX/2018 and tell them everything listed above and ask how to stop for closure and they tell me to pay {$1200.00}, then next day XX/XX/2018, I sent a check for {$1500.00} to the Illinois p.o box, the check was signed by my father in-law, with a note that has my name and account information so there wouldn't be a mix up..I then called XXXX and talked to XXXX extension XXXX , and he noted check was on the way ... so to my surprise I received a letter on XX/XX/2018 saying I for closure proceedings may happen if I don't dispute and so I'm disputing ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to make a payment on my mortgage. My mortgage was previously serviced by XXXX XXXX XXXXXXXX. Carrington Mortgage services is now the servicer. The terms in which my payments are processed have changed dramatically. I have to pay fees to make payments which I did not have to do before, my payments have gone up again which did not happen before, and then if I fall behind which in my almost 10 years of paying on my mortgage has happened, life happens. When I try to make my payments Carrington shuts down avenues to make them. If I am in the 30 day late category they refuse online payments and refuse over the phone payments. I spoke at length with two representatives from Carrington Mortgage Services on XX/XX/XXXX. I was advised that they will take my payment from through XXXX XXXX at an additional {$8.00} charge because they were refusing my online payment and would apply it by the end of business. I made XXXX payment on XX/XX/XXXX through XXXX XXXX XXXX I paid more than enough to cover the late fees. That brings me less than 30 days past due. I was assured they would apply the payment and that they process payments on Saturday XX/XX/XXXX as well. Either way my payment was made before 3pm that Friday. I checked my Carrington online account and it is still not posted. This is not the first time Carrington had refused payments. I was only 1 month behind and I pay my penalty. You have people who serve their time in prison for crimes. I had an issue that arose and paid my late fee. For them to continue to penalize me and refuse my payments or not apply my payments which is the case here I feel is unacceptable. As of writing this I am officially less than 30 days past due and should be cleared on any default on my loan. I am fine with a new servicer on my loan, however I am quite offended and frustrated that I feel Carrington is not servicing my loan in the same manner it was being serviced for the almost 10 years I have had my loan. I have not signed any paperwork or agreed to any additional fees and I feel they are playing deceptive games by refusing to apply payments to try to send my loan to foreclosure. My servicer should be the one per my understanding of the law to try to help with foreclosure avoidance and refusing to apply full monthly payments, especially when such payment brings my loan back into the less than 30 days past due status I feel is fraudulent activity and I am requesting they cease and desist these perceived fraudulent activities immediately and apply any and all payments to my account and fix any damages to my credit report. I am also requesting that they go back and fix my credit for the last time they held almost 3 months of my payments in a suspense account and refused to release the payments and during that time reported negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My student loan was transferred from XXXX to Nelnet on XX/XX/XXXX. On XX/XX/XXXX Nelnet sent an email that my payment would be due the following day. In the NSLDS I am clearly listed as being in forbearance during that time. My loan was scheduled to come due in XXXX XXXX XXXX. On XX/XX/XXXX, I created an online Nelnet account. On that same day, I called and spoke with a representative about which repayment plan would be best suited to my situation. At the time, I was a XXXX XXXX XXXX XXXX and the representative suggested that I continue forbearance. The NSLDS, again, clearly lists the loan as being in as being in forbearance. However, On XX/XX/XXXX, two days later, I was placed back into repayment. Recently, upon reviewing my credit report, I noted that Nelnet has reported me as 90,120, and 180 days  late on XXXX, XXXX, and XXXX of XXXX. It is clearly stated on the NSLDS that I am in forbearance from XX/XX/XXXX to XX/XX/XXXX. I have requested that Nelnet validate the reporting of these late payments. I have filed a dispute by telephone with Nelnet. I have emailed the CEO of Nelnet. Each time the response was " Based on your request and the information you provided, we carefully reviewed your loan ( s ) and the  corresponding data furnished to the credit reporting agencies. Under the Fair Credit Reporting Act, we have an obligation to ensure information we provide to credit reporting agencies is accurate and objective. Our research indicates the data we submitted accurately reflected your loan status at the time it was reported. '' The " late payments '' that are being reported to the credit bureaus are inaccurate and erroneous and I demand that they are removed immediately under provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Late XXXX I applied for loss mitigation and in XXXX I received a letter saying my application was being processed ... On XX/XX/2018, I received a letter saying I am ineligible for loss mitigation, then on XX/XX/2018, I received a letter saying why I'm ineligible and the other dated XX/XX/2018 saying I had until XX/XX/2018 to decide if I would be doing a short sale, as noted this is now too late ... I then call Ditech, XX/XX/2018 and tell them everything listed above and ask how to stop for closure and they tell me to pay {$1200.00}, then next day XX/XX/2018, I sent a check for {$1500.00} to the Illinois p.o box, the check was signed by my father in-law, with a note that has my name and account information so there wouldn't be a mix up..I then called ditech and talked to XXXX extension XXXX , and he noted check was on the way ... so to my surprise I received a letter on XX/XX/2018 saying I for closure proceedings may happen if I don't dispute and so I'm disputing ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I bought something off of XXXX, I sent the seller {$97.00} on XX/XX/2018 in XXXX currency due to them living in XXXX. They then asked me to send them {$50.00} in XXXX, for the item to be " marked as shipped '', the seller gave me a fake tracking number which at the time I did not realize. They then kept on postponing the date of when I would receive the product. They are no longer responding to my messages as well. I called Paypal because this is what I used to make the payments, they said to file a claim, and to write out what happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Webcollex, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I sent a request to dispute a dent I found that was being incorrectly reported on my credit reports. I requested information proving I owe the debt and received a simple letter head letter from CKS the amount I owe and nothing proving I owe the debt or any signed account information the debt even belongs to me. I requested this information. 

On XX/XX/2018 I sent a second request for the same information requesting signatures and more information from the original creditor being I never received my original letter to dispute this debt prior to reporting within 30 days as allowed under the Fair Credit reporting Act. 

I'm not getting any response to validate or prove I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA

Complaint narrative:
I was notified through a credit alert that a new collections was placed on my credit report. I contacted the collection agency to explain that I never received anything in writing that I owed this debt. I was told this account was open in XX/XX/XXXX and the account was in a name I havent used since XX/XX/XXXX. I have never lived at the said address associated with the account. Also I filed Chapter XXXX in XX/XX/XXXX and if this was a debt I owed it would have came up way before now. I would like the error to be removed from my credit reports now. The collection agency only wanted to talk about how I was going to pay the debt and not provide me with a letter to validate this debt Original Creditor Name XXXX XXXX XXXX XXXX Amount due : {$120.00} Opened XX/XX/XXXX ( 1 mo ) HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX

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 2018-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2018 PayPal informed me that I needed to verify my taxpayer status, otherwise limitations would be put in my account. I did not know what this meant at the time. I tried to resolve the issue through the provided link but it was a dead link. On XX/XX/2018 I was informed limitations were put on my account. I called on XX/XX/2018 and emailed to ask for help but all I received was the same link and an alternative email address to send things through. I still was not told what to send. On XX/XX/2018 the 2nd time I called I was finally told what to send and I did so. However I was not told the whole thing and didnt find out the documents I provided were not adequate until I called a week later for a 3rd time on XX/XX/2018, waited 2 hrs on hold, and asked why the issue had not been resolved. I uploaded new documents verifying my taxpayer status and was assured this would be resolved within 24 hrs. Two days later, XX/XX/2018, I called for a 4th time to check again since it still was not resolved. I was assured I had submitted the right information but that their tax department was so back logged that they could not say when it would be resolved. This lack of information from PayPal has caused so much frustration and also as a result, I have had to put my XXXX business on hold as I can not accept any payments. I have been assured they will inform me when my account is ok but I have no faith that they will since they couldnt even let me know the original documents I provided were not enough. I do not want to keep calling, wasting my nights waiting on hold or for them to call me back. How else am I supposed to fix my PayPal account?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 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: VA

Complaint narrative:
I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from XXXX going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. 
Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your XXXX Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan  data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported on my credit reports for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from Navient going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your Navient Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported to all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent certified letters on XXXX. The letters was received on XXXX. They state that they have verified the information with the party. But I have certified letters from the party stating otherwise and I also have a security freeze.

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 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent certified letters on XXXX-18. The letters was received on XXXX-18. They state that they have verified the information with the party. But I have certified letters from the party stating otherwise and I also have a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Put an order through coinbase. Coinbase put a 9 day hold on my transfer. I called them before transaction went through and they said I could not cancel. The digital asset in question has yet to be rendered to me and refused to cancel my order and said they would take the money out of my bank anyways. They said there was no way to cancel an order. They just take your money and give you the asset when it is worth far less.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Last month, I submitted a check my dad wrote out through the Chase app without my dad 's signature without knowing that it was unacceptable. I went into the Chase bank on two different occasions to get this issue resolved. They said that it could be taken care of, but it wasn't. Not to mention it was very very very time-consuming as the lines needed to be transferred to get to the right person time and time again. It was a simple error on my part that caused my account to be closed down. I can no longer access my debit card and the remainder of the savings were sent to me by check through the mail. I would like my account reopened. I still need to pay the credit card and I have the funds to do so in full. Overall, this was a terrible experience due to a small error on my end.

Company response to consumer: Closed with explanation