vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Over a period of three days in early XXXX, 2021, USAA Bank allowed a number of fake checks totaling almost $ XXXX to be deposited via its mobile deposit app feature into a joint checking account and a joint savings account that I share with my niece, XXXX. My niece, who lives in XXXX, VA, was complicit in the fraud and I have been working with the bank to resolve the issue. I live in XXXX, VA, four hours from XXXX and I was not aware of the fraud and did not participate in the fraud. However, I have been working diligently to bring the account back to {$0.00} in order to close the account and disassociate myself from my niece and her wrongdoing. 

I am upset and frustrated that when USAA Bank accepted those deposits ( each fraudulent check was over {$9000.00} ) they DID NOT PUT A HOLD ON ANY OF THE MONEY, and USAA ALLOWED MY NIECE IMMEDIATE ACCESS TO ALL THE FUNDS. She was able to use her ATM debit card immediately AND REPEATEDLY to withdraw {$12000.00} out of the account in reliance on the fraudulent checks. She made numerous {$1000.00} withdrawals from the same XXXX, VA ATM ( again, totaling {$12000.00} ) over a span of two or three days, in reliance on those fake checks. She was also able to use an XXXX XXXX XXXX. to pay a third party {$1900.00}, again in reliance and against the $ XXXX in fake checks she deposited. 

I believe this is an unacceptable banking practice. Those checks, at minimum, should have had at least half of the funds placed on hold, until the bank confirmed that those checks were legitimate and that those funds were available. 

Because they allowed the joint account holder immediate access to ALL OF THOSE FUNDS, I was responsible for paying restitution to the bank to bring the account back to {$0.00} so I could close the account. The total amount I owed as a joint account holder for USAA Bank 's oversight is {$14000.00}. I believe the damage could have been much less had USAA Bank practiced sound banking policies to protect consumers like me from this type of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
In XXXX I received a call .it was from scammers that pose as loan company I believe it was XXXX XXXX so chase froze my account due to suspicious activity. Okay that's when I was able to apply for a bank account with Bank Of Oklahoma so I deposit money to my account so every month on the XXXX of XXXX I get call from the bank teller and he tells me that I didn't have any babies I replied yes it do so right then and there I was told that the relationship ends on the XXXX of XXXX I cried about not being able to care for my family of 7years that something u just can't throw under the bus next thing I know I can't get help with money then one of the consumer shows me this report it has all my business for the world to see l was so upset I was not aware of this and nation wide at that I know my rights but this is dead wrong to come across with all my personal information out there for the world to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NV

Complaint narrative:
Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter concerning faulty and unknown matters on my credit score report. To this day, over 30 days later, I even have not acquired a reaction but. I experience like Im being taken advantaged of and being left out. Section 611 ( a ), It states that failure to analyze these gadgets within 30 days offers a cause to straight away cast off the ones objects from my credit score file. Its been over 30 days so that they have to be deleted directly. I call for that those bills be deleted straight away or I will document for litigation because of the pressure you've got brought about me. My statistics turned into also impacted via the Equifax data breach and might are becoming into the arms of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I currently have an FHA mortgage with Loan Depot. I refinanced into a conventional loan to with another lender to save money on interest and PMI. 

My new lender 's settlement company sent Loan Depot funds to pay off on XX/XX/21. After a few days I notice my account with LD is still open. I call LD to see what is going on and they tell me that the funds were short {$700.00} and they had returned the funds back. Then I call the settlement company and they tell me they never got the funds back. Calling LD back to ask how they returned the funds and they said they don't know how the funds was sent back but they showed that it was sent back on the XXXX of XXXX. I wasn't supposed to make any mortgage payments for 2 months ( XXXX and XXXX ) because we closed month end of XXXX. I had to make XXXX payment because LD at that point seemed like they had lost the funds that was supposed to pay off my loan. I file a complaint with the XXXX and on XX/XX/21 LD returns the money the same day. Now my settlement company is requesting a back dated pay off statement that will deduct any interest and my XXXX payment, but LD is dragging thus process for days and says that they can't back date it because it's our fault. They had no idea where the money was fir almost 2 weeks and it's our fault? XXXX is coming up and my Loan is still not paid off because of LD. XXXX XXXX and XXXX XXXX  have been very transparent and helpful. The closing rep at XXXX is also extremely frustrated and is willingly supporting me with this complaint. I need this resolved asap as my Loan is supposed to be with XXXX XXXX not LD. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma obtained my CREDIT BUREAU consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, they are in violation of the fair credit act FCRA codified at 15 U.S.C sub section : 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Credit Karma, Furthermore, I do not have an account as defined under 15 U.S.C 1693 ( a ) ( 2 ) with Credit Karma for review or collection.

Pursuant to 15 U.S.C sub section : 1681n ( a ) Any person knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under title 18, Imprisonment for not more than 2 years, or both. 

BY WILLFULLY VIOLATING THE FCRA, I am willing to settle the civil liability damages that I have suffered as a result of Credit Karmas violation, for {$4000.00} ( reported 4x- x {$1000.00} ) Pursuant to FCRA, sub section : 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C sub section : 1681n ]. Should they fail to refuse to settle the matter by tendering payment in the amount of {$4000.00} within ten calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I checked my credit and seen a new debt that was reported. I immediately contacted the debt collector and they are attempting to collect a debt that is well over 7yrs old and was previously listed and removed off of my credit report. And they never properly notified me of anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
On or about XX/XX/2021, I closed on a refinance of my home mortgage with XXXX XXXXXXXX XXXX, XXXX. At that time, even though my home is not in a flood zone, I was required to pay {$510.00} to be deposited in escrow for payment of my flood insurance premium. Immediately after closing on the refinance, my loan was sold to Suntrust Bank. Suntrust, showed the escrow for the flood insurance and began collecting $ 43/mo for flood insurance escrow. At some point, they sent me a letter saying that flood insurance escrow wasn't required and they would no longer collect escrow, but they kept collecting it. My flood insurance was scheduled for renewal on XX/XX/XXXX. At least 2 - 3 weeks prior to this date, I began calling Suntrust to inquire about my flood insurance payment, since they were still holding the escrow. I was on the phone for hours trying to resolve this. First I was told that they would submit the payment. I checked back the week before the payment was due and they still had my money and hadn't paid the premium. One of the many people I spoke to said that they didn't have the invoice, so they couldn't pay it. I offered to send the invoice. One each call, and there were several different people I spoke to, I requested that they send me my money back so I could pay the premium myself. On one call, the person I spoke to said that if they couldn't pay it, they would expedite the payment to me so I could pay it. When I called back, another woman insisted that I wait until XXXX to get my money back. 
In my opinion, this is an unfair business practice. They put me in the position of either having my flood insurance lapse or taking funds from my savings to pay for something that I had already paid once. I live in XXXX XXXX and although I do not live in a flood zone, I always maintain my flood insurance policy. I paid the policy from other funds. 
To date, I still have not received payment from Suntrust ( aka Truist ). Meanwhile, they have access to my money and get to earn interest while I will have to pay interest on the credit card I had to use to pay this premium. I feel like I should be made whole by having them not only return my money, but also pay me interest at a rate of 21 %. Isn't that what they get to charge us for borrowing money? Fair is fair, after all.

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 2021-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After i sent a dispute, debt validation letter certified mail, exercising my consumer rights under FDCPA and FCRA laws. The company failed to give notice to credit reporting agencies that the debt was disputed. I told them that they couldn't report to my consumer report without giving information that i requested to validate the debt. I sent a cease and desist letter, they responded saying they have processed my cease and desist and they still posted on my consumer report after i enforced my consumer right. The company went and stole my personal property and i filed a federal laws suit against the company. Due to the litigation i need the inaccurate information to be removed from my consumer report. XXXX XXXX  DBA OF XXXX, XXXX XXXX listed on my consumer report, must be removed due to me having full evidence of notice and never giving written permission for information to be posted to my consumer report.

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 2021-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: IL

Complaint narrative:
XX/XX/2021 I purchased a new but damaged refrigerator and a gas stove from XXXX XXXX. I opted for the " 90 same as cash '' program with American First Finance. When the first 30 day payment came through I realized that there was a service agreement in the package that I was originally quoted as {$100.00} for a 5 year plan, is now charging me $ 74/month for the next 24 months. I called and said I did not want that plan. I was told that I had to go back to the store to have it removed. I went to the store to explain the situation and I was told that I had to call the company that supplies the warrantee because they do not. So I called the company and explained. I was told that the service agreement was removed and I would get a refund to pay American First Finance back the money. I waited in doubt. On XX/XX/2021 I still did not get a refund. I went back to the store and called American First Finance so that we could all be on conference. 
I was told the same information as before. I told them I wanted to pay the appliances off and I feel like I am being punished because they are reporting to my credit something that I do not have. I was told that they would give me an additional 30 days but that I still needed to make the monthly payment with the incorrect amount. I called the service agreement company and was told that they processed the refund wrong and that they would reprocess the refund. I called American First Finance to ask if I could please pay off the appliances and wait until I got the refund from the service agreement company. Again I was not allowed and I was told that someone from the special team would call to assist. Currently this is affecting my credit and my ability to purchase my home. I need help getting this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Between XXXX of XXXX and XXXX of XXXX my my bank account transactions were {$190000.00}. I purchased 4 cars but feel some transactions were Fraudulant. My alerts were diverted and I question Chase at throughout the year. Chase has found no fraud and dismissed my complaints. The XXXX Chase bank has recently closed that branch. 
The person that I lived with but was not given permission to access my account abruptly broke off our relationship and left town. Selling her house and relocating to XXXX. She would not discuss any of my concerns and has not spoken with me since XX/XX/XXXX. 

The XXXX XXXX XXXX department said unless the bank finds fraud it is civil not criminal. I started the Banking with Chase {$240000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: HI

Complaint narrative:
I have been employed as a XXXX  XXXX with XXXX XXXX ( Hawaii ) between XXXX to XXXX, before transferring to the XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX. I am currently employed with XXXX XXXX  XXXX ) and there has been NO break in service. Despite submitting numerous " Employment Certification '' forms, I have been given the run around about my status and eligible payments under the Public Service Loan Forgiveness ( PSLF ) and Temporary Expanded PSLF. I was additionally misled by the company about information regarding loan forgiveness and I am now liable for an excess of {$90000.00} worth of student loans. Basically, I took out additional loans thinking the current payments I was making towards existing loans was going to count towards additional loans I've taken out ( as a XXXX  XXXX ) for higher education. I later found out this was wrong and not only did they not count I had to start from the beginning on the new loans. To add insult to injury, numerous payments between XXXX and TODAY have not counted towards forgiveness, despite there being NO break in service. I've submitted multiple employment certifications which mysteriously seem to not explain that I have been a XXXX  XXXX since XXXX Numerous calls to the company resulted in many different excuses, but as of today I now have been assured my employment certifications check out and are up to date since XXXX. I will be waiting for another excuse as to why certain payments from XXXX to today have NOT counted towards forgiveness due to some mysterious universal force. I also disagree with the method of calculating the payments based on income, as police officers can sometimes have a lot of overtime, which is not guaranteed income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After receiving my consumer report from Transunion, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent inquires and accounts, Transunion is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Transunion willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Transunion is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION & XXXX you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my TransUnion reported balance is {$17000.00} but XXXX I reported balance is {$15000.00} also Highest balance that is being reported buy TransUnion is {$30000.00} but my XXXX Highest balance is XXXX so why are these two reports are different if you all get the same reporting from XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
CREDIT MANAGEMENT LP AGREED TO DELETE MY PAID COLLECTION AND THEY HAVE NOT DONE SO. XXXX KEEPS STATING THAT THEY HAVE NOT RECEIVED ANY INFORMATION FROM THE CREDITOR REGARDING DELETING THIS PAID ACCOUNT. THIS ACCOUNT HAS BEEN FULLY PAID AND THE AGREEMENT WAS THAT CREDIT MANAGEMENT WOULD REQUEST THAT ACCOUNT BE DELETED FROM MY FILE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation