vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We were told that we would be able to do a recast of our loan one time when we first signed with XXXX XX/XX/XXXX. Since then our loan was sold to Freedom Mortgage In Indiana. I contacted Freedom Mortgage via phone on XX/XX/2018 to ask how i go about the recast. They recognized i was a VA loan and thanked me for my service, then proceeded to tell me that i would have to send in a check for {$250.00} for the processing fee. From there they would contact me back to arrange the payment. We sent them the check that was posted on XX/XX/XXXX. On XX/XX/XXXX i contacted them back since i had not heard from them they said i would have to wait. XX/XX/XXXX they contacted me back to tell me how to send the money and verify that it had to be a cashiers check. We did everything they asked and they cashed the check on XX/XX/XXXX. 
I heard nothing from them after that until i received a letter on XX/XX/XXXX Denying my recast. When i called them they told me it was their company policy not to allow recasts for any VA loans. Then then told me to send an email requesting the money be refunded since they had applied the {$250.00} to principle and left the {$100000.00} in an unapplied bucket. I was assured that the email was received while i was on the phone and told it would take up to 48 hours to return the money. 

On XX/XX/XXXX i had not received anything back so i called them again. they said they would have the money deposited no later than the XX/XX/XXXX and they confirmed my routing number to wire transfer it. On the XX/XX/XXXX i called them back again because the funds were not transferred, and they confirmed my routing number again and said they were sorry and they would have the money transferred no later than Thursday the XX/XX/XXXX. I waited until today XX/XX/XXXX to call again because no funds were transferred. 

I spoke to Employee ID # XXXX and was informed that they have changed the completion date again and i would be expecting the money by XX/XX/XXXX. I asked to speak to a supervisor and was told that Supervisor # XXXX was in a meeting and i should expect a phone call back by XX/XX/XXXX. 

This entire process is highly frustrating, every time i called before the money was sent they thanked me for my service and told me it was a VA loan. Yet they still instructed me to send in the money. Then they did not apply it and just sent me a form letter with no explanation of how to get a refund. When i begged for my money back i was told that it was easy and they would take care of it. Every time i call them they change the due date farther out and keep my money. This at best bad business practice. We have made on time payments every time and have done everything asked of us but yet we can not seem to get the money back.

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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I bank with USAA and they are holding me liable for charges that i do not make. I have had my credit cards stolen over the course of a few months due to my negligence. I am the type of person to always forget something behind, with that being said, i still should not be liable for charges that were literally not made by me ( the cardholder ). Please look into this matter because they are charging interest, but i will not pay for fraud charges. I have called USAA fraud department numerous times to discuss the matter, i feel like nobody is out to help me. I don't even know if someone has access to my accounts due to me losing my wallet with all my personal information, giving them access to all my records. There is charges on the account that even say " afghan international ''. I am located in XXXX XXXX, Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: ID Analytics, Inc.
State: NY

Complaint narrative:
Left numerous messages for XXXX XXXX XXXX. This complaint also Includes ID XXXX, XXXX AS WELL. when consumers call XXXX we are prompted to leave a message. I have left 50 messages over the course of 2018 with no call backs. I have mailed sage stream to send me my report and they refuse to do so. They require photo ID when none of the other credit bureaus do not require it. I am not releasing sensitive information such as my photo ID to a company involved with scamming consumers and fraudulently utilizing credit reports. THE 3 AFOREMENTIONED companies COLLUDE to place negative items on report, regardless of 3 LEGITIMATE BUREAUS REMOVAL, and attempt to make u pay XXXX to remove them.please see XXXX  XXXX XXXX : XXXX : XXXX Contact addresses I sent requests to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, CA XXXX I faxed them at ( XXXX ) XXXX They need to send my report to my home address and remove fraudulent info and ABIDE BY FCRA REGULATIONS Please note the mounting complaints via XXXX at following address. The same issues I'm having, thousands of other consumers are suffering from. FTC and cfpb need to work in conjunction conjunction to better regulate XXXX XXXX XXXX, a company with mounting complaints issued via FTC, CFPB, 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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX Bank of America sent me an unsolicited credit card with a credit limit of {$5000.00}, based on my credit score of XXXX.I also received a letter dated XX/XX/XXXX stating I was approved. I accepted the credit offer, and on XX/XX/XXXX, I made a purchase to my card for {$4400.00}. The following month XX/XX/XXXX I attempted to make an additional charge for {$500.00} and was declined because the bank said my account was closed. 
Meanwhile, I called Bank of America because I was unable to initiate on-line sign-in so I could make payments on line. A representative named XXXX helped me sign in, gave me some valuable information on how to take advantage of cash rewards, points at the pump, XXXX XXXX XXXX, etc. Subsequently, Bank of America sent me a letter stating they did a review of my account and decided to close the account ; The letter was back-dated to XX/XX/XXXX, but I received the letter after XX/XX/XXXX. I was placed on E-statements without my approval, and when I finally received a paper statement in the mail, the statement said my account was placed on restriction. I called Bank of America several times for explanation, and every representative I spoke with said my account was reported as a " FRAUD ''. Bank of America never tried to contact me to investigate the nature of my credit ; they never told me about a restriction, and I never authorized them to check my credit files, after I received the approval letter. Bank of America will not allow me to make charges to my card because they closed the account based on incorrect information that my account is " FRAUD ''. I made all monthly payments on time, and the account has a XXXX balance.

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 2018-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander consumer usa has knowingly entered into a contract with XXXX XXXX XXXX who has reported incomes, which was used to support my loan application submitted I have told them the income has to be incorrect and inflated. They have promised and investigation and has not came to any resolution on the fraudulent income reported which shows they are still up to their old tricks supporting these fraudulent actions. They have given a XXXX per month loan to a single XXXX mom with no job and an income of XXXX from XXXX XXXX with the department of XXXX XXXX. I thought I was going thorough the XXXX program which projects income WITH the PROMISE that in six months it would be lowered alot or I could get a hybrid which did not happen in six months. I later find out the XXXX program was over when i signed the contract and projected income was not permitted so I am in a fraudulent scam deal by the dealer and Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a loan modification on my student loans before I go into graduate school, I was denied due to serious credit risk, over limit on credit card, and adverse action. I reviewed my credit report and found these 2 Capital One accounts ( which I have never had any association with Capital One bank or credit ).

I filed a police report, once finished the officer gave me the website of the FTC to file a federal report there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Account is 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 2018-11-30 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Account is fraud

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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
TO : Synchrony Bank XXXX XXXX XXXX  CC : Comptroller of the Currency, Customer Assistance Group Consumer Federal Protection Board RE : Cash Back Program and lost check in the amount of {$250.00} Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX On XX/XX/XXXX, I inquired at my local XXXX XXXX XXXX in XXXX, GA, XXXX to my XXXX XXXX XXXX Cash Back check for XXXX. I was informed that the Cash Back checks were likely mailed in XX/XX/XXXX, and I was instructed to contact Synchrony Bank ( the Master Card and Cash Back Servicer ) as I had not received said check in the mail. I called Synchrony Bank and was initially advised that the check was mailed and cashed. I indicated that I had not received nor cashed the check and asked they confirm that the check was cashed. After a long wait on hold, the bank person said that the check was not cashed after all. However, it would not be re-issued since the expiration date of the check had passed. If I owed Synchrony {$250.00} and I mailed a check payment that got lost in the mail, they would demand that I send them another check. 
I explained to the Synchrony representative that I was away from my residence and out of state during the whole month of XXXX and the first half of XXXX, having stayed in Colorado with mail on hold at the Post Office. When I returned home I was not aware that the Cash Back check had been mailed. It was not in our Hold Mail. Then in XXXX, my wife 's brother died in XXXX, IN, and we were required to attend to his estate matters and remained in XXXX. Consequently, we were gone from our Georgia residence and out of state for nearly five months. During that time, my monthly payments were made to Synchrony Bank automatically and without my review of the monthly statements since we did not have our mail forwarded to us and did not have Internet access at his address. Our Georgia neighbors collected our mail during our absence. Since our return in XXXX, I have been catching up on all my financial affairs. 
I believe the response by both Synchrony Bank and XXXX XXXX XXXX is without goodwill and without effort to understand the issue that I have presented in this letter. As noted, the Cash Back check was never cashed, so I can only assume it was lost somewhere along the way during my absences from home. I have a spotless long-term history with XXXX XXXX XXXX and Synchrony Bank. This may end as I see no reason to continue a relationship that is not mutually beneficial. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: TX

Complaint narrative:
I contacted Corelogic and requested a copy of a so-call consumer report for his company because they reported to a apartment complex that i applied too, with out my knowledge .. so i requested a Corelogic consumer report.. Never heard of this company. ( It's BAD that these type or companies can buy and sell and report fraudulent, inaccurate and out dated information about people. 

THEY REFUSE TO GIVE ME A COPY OF THIS SO-CALL Corelogic consumer report. 
BUT THEY GAVE THIS INFORMATION ON ME TO ANOTHER COMPANY!!!!!! 

AND THE COMPANY XXXX XXXX XXXX ALSO REFUSE TO GIVE ME A COPY OF MY INFORMATION

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 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ Data International charged my card after i specifically told them to move the account to further processing and credit reporting. Throughout the four separate calls I had with them to discuss alternative options, I was threatened with negative credit reporting including being told that I wouldn't be able to get another apartment unless I paid in full, as well as advised to seek legal counseling as there may be further action taken if not payed ( a veiled attempt at threatening prosecution ). 

When I called this morning to have the charge reversed, they began transferring me directly to voicemails and then eventually ignored my calls altogether. My representative is XXXX, XXXX XXXX XXXX at XXXX. I am unable to afford my entire rent payment after this and they are unwilling to take any responsibility after they advised that the card wouldnt be charged as well as I insisted that the card i provided ( after being assured that it was merely to 'lock down ' a 7 day prevention on the account from being sent to credit for review ) was removed in two separate discussions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I got a title loan from Cash Time and completely paid off on XX/XX/2018 and they are refusing to release my title and have tried several times to speak to some one in  a higher position and the representatives ( XXXX ) refuse to provide me information or transfer me, the representatives act very unprofessional and untrustworthy I don't know at this point if they are trying to steal my car and i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Confirmation Number : XXXX. Equifax has reinserted previously deleted information ( i.e., previous address ) and this is a major violation. Previously deleted information is governed by the Fair Credit Reporting Act ( FCRA. ) The FCRA requires a credit reporting agency to notify me no later than five ( 5 ) days after the reinsertion. I was never notified of such reinsertion. Additionally, the creditor who reinserts the item must also certify the information is correct. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ). Equifax is well aware that a extended fraud alert and security freeze are in place on my consumer file and such measures should prevent previous deleted information from reappearing in my file. Equifax is very well aware that my information has been mixed with someone else who has a similar name and measures should be in place to prevent my file from continuing to be mixed with another individuals information. I want to be very clear that I have only one name, one social security number and one address. My Equifax file should only reflect such information. There should be no previous address in my file. The only address I have lived at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please refer to the attached copy of my driver license as proof. The following address does not belong to me, I have never lived there and it should be deleted from my file immediately : ( previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Reported : XX/XX/2018. ) Please provide me with the source verifying this incorrect and mixed address. Please provide me with the method of verification for obtaining this mixed address. I have attached a copy of ReInvestigation Results from Equifax showing the previous address listed above was deleted because it was " mixed. '' Attachments : Driver license, social security card, equifax reinvestigation results from XX/XX/18, Equifax credit file from XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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 Technologies, Inc.
State: PA

Complaint narrative:
Account 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 2018-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kwikcash, Inc.
State: CA

Complaint narrative:
I applied for loan got approval then got cash now they deduct every week instead of every month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc.
State: VA

Complaint narrative:
So I went to the hospital in XXXX XXXX  XXXX around the beginning of XX/XX/2016. It was an emergency situation and I needed immediate care. According to XXXX, the hospital that billed them, XXXX XXXX, submitted their claim twice. 

The first time they sent it, according to XXXX, they sent me a check for what I assume is the deductible ( {$200.00} ). From what I can recall, I paid using my own money all of the deductibles to XXXX XXXX directly. 

Then, XXXX XXXX submitted the bill a second time. XXXX, this time, sent XXXX XXXX a check for XXXX. I am not sure why this is my problem or my debt. Their claim should be against XXXX XXXX to refund the check and not their policy holder. 

I fulfilled all of my contractual obligations, and because of XXXXXXXX XXXX XXXXXXXX up they want to hold me accountable. I vigorously deny that this debt is owed to XXXX by me. They should collect against XXXX XXXX. 

In addition, XXXX never even let me know about the outstanding charge until I received a letter from what looks like a law firm, Lamont , Hanley & Associates, Inc.

Company response to consumer: Closed with explanation