vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
In XX/XX/2020 I cancelled service with XXXX! In that process I overpaid them by {$100.00} ( XXXX  Statement included ). When I realized that, I put a stop payment on the check since I had been having billing issues with XXXX, such as ongoing fee increases. ( copy of check and stop payment fee of {$30.00} statement from credit union attached ). 

In the interim, XXXX  sent me a letter acknowledging the overpayment and then sent me a debit card. I did not activate the card since it was not my money to have and shredded it. ( I do not have the letter or card ). 

I started getting contacted by Eastern Account System of Connecticut for the {$100.00} amount, which I assume is the amount that was on the debit card. I contacted their XXXX # and was advised they would put a flag on my account as disputed. I then received a letter from them stating they had put a lien on my accounts with the credit agencies ( copy of my response to Eastern Account attached ) My credit rating has now dropped from XXXX to XXXX, a XXXX point drop in one month due to their action ( copy of credit score trend attached ). Can you assist in helping clear this matter and get my credit rating restored?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Note, CFPB closed similar previously submitted complaint without informing me of why, when the website stated my complaint was pending additional information. When I called, I was told it was believed a 3rd party submitted the complaint although the complaint was submitted from my account. 

On XX/XX/2022, I sold my home and received a net payment of {$62000.00}, via wire. Since that day, I have carefully balanced spending to ensure I manage my money properly and to ensure my bank is a proper steward of my funds. On XX/XX/2022, I logged into my account to check transactions and I noticed the bank had some suspicious accounting. At the end of XX/XX/2022, I had {$10000.00}. The first transaction from XX/XX/2022 shows my balance had dropped to {$4000.00}. On XX/XX/2022, I called the bank and spoke to a representative who claimed to " not see what I see ''. I explained to the representative that there is no accounting on their part that could explain over {$6000.00} missing from my account. The representative then tried to explain that " pending transactions '' had been ledgered, but I explained to her that there was no transactions anywhere close to that amount that would justify such a drop. I also explained that my daily balance emails at no point indicated I had a {$4000.00} balance. I requested an executive review and was told someone could speak to me but I had to get into work. I called back and requested to speak to a senior management official and the representative again claimed to not see what I was referencing " on their end ''. It then appeared the representative was not able to comprehend my concern and began mixing up the transaction I was referencing with my current balance. The representative put me on hold to " escalate '' the call but after XXXX minutes simply came back on the line to tell me a manager would be in touch within one business day. I then attempted to contact the fraud department. I was told the the app " sometimes doesn't reflect what is shown online. This is nonsensical and opens consumers up to fraud and mismanagement due to failure to account for funds. I was told that the pending credit from a furniture retailer for {$6200.00} was NOT calculated as part of my daily balance because it hadn't been credited yet. However, what I can see on the banking app contradicts what they are saying at the bank. I've monitored my account very carefully to account for expenses and budgeting for my new home. I request CFPB review all the phone calls from XX/XX/2022 and obtain transaction history staring from XX/XX/2022 to present with a USAA representative. I believe the bank has stolen my money and I request an investigation into USAA 's management of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX Credit Card, for which I intended only to use for gasoline purchases at a local XXXX XXXX XXXX. On XX/XX/XXXX, the bank who manages this credit card, First National Bank of Omaha ( FNBO ), sent me a letter saying they couldnt check my credit unless I removed a credit freeze from my credit bureau accounts. I didnt get their letter until XX/XX/XXXX, but I removed the freeze temporarily, from XX/XX/XXXX to XX/XX/XXXX. Once the freeze was removed, FNBO was able to run my credit report. Today, I received a letter from them, in which they now claim that they cant continue with my application unless I provide the following information ( also shown in the attached file ) within 20 days : 1. Copy of my driver license/state ID verifying my mailing address 2. Signed copy of my original social security card 3. Copies of W2s for the past 2 years I called the bank to express my extreme concern that they are asking for this information as I feel its excessive to ask of a consumer who has a XXXX score of XXXX. In addition, when I advised the rep that I am retired and dont have W2s, she said I could send in my tax returns for the past 2 years.

Although I dont understand the need to verify my address since Ive already received 2 letters from them at my address and Ive lived at that address for 11 years, I am willing to provide them with a copy of my drivers license. For the social security card, why do they need this? Theyve already ran a credit report with the social security number I provided on my application. For the W2 request, asking me to provide 2 years of tax returns is overkill. 

Ive had credit card accounts since XXXX and have always excellent payment history, and currently I am only using 4 % of my available credit, as confirmed by my XXXX account. I have NEVER had to provide this level of documentation to any credit card company, but in particular, for this type of credit card, which I intend to use only for gasoline purchases, and don't expect the credit limit to be more that {$500.00}. 

It seems as if this bank wants to deliberately make it difficult for me to obtain their credit card. To reiterate, I have a XXXX score of XXXX. There is no reason for them to ask for these types of additional documentation.

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 2022-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have an ARM with Wells Fargo Mortgage. Account number XXXX this week I received a mailing from them telling me that my rate will change from 2.5 % to 3.125 %. I was curious and read the document. To my surprise, the monthly principal in my payment went down from {$600.00} to {$550.00}. 

Based on that I calculated my new payment to see if that was correct. My information is as follows : Principal of Loan - {$170000.00} Rate - 3.125 % Taxes Summer - {$2800.00} Taxes Winter - {$1200.00} Insurance - {$550.00} Total Payment - {$1200.00} Wells Fargo Payment - {$1300.00} Wells Fargo has been charging more than that for years, my new payment quote for XXXX XXXX, 2022, is {$1300.00}. That is {$140.00} extra a month in that payment. This is the first time I have checked, but think they are doing this intentionally with the assumption I wouldn't check the numbers. 

I did contact them online today with a complaint and need your help looking into this to see if this is mortgage fraud. 

Best, 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 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)
State: NC

Complaint narrative:
I believe my HIPPA PHI rights have been violated. I DID NOT AUTHORIZE the sale/maufacture/contract of my personal health with this company. I recently created an account with XXXX. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. AR Resources , Inc ( FL ) is the agency reporting this information. Once I recieved the information behind the collection on the XXXX portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " L10 '' is a complete lie. I was only at the hospital for XXXX pains. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the Hospital ( XXXX XXXX of XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. I need help settling this issue. The false medical reason of service is an extreme DEFEMATION OF CHARACTER. I am current awaiting response from HHS and FTC. Seeking litigation immediately. Please review my complaint as soon as possible. Thank you. THIS IS NOT A DUPLICATE COMPLAINT FTC Report - XXXX HHS HIPPA VIOLATION REPORT- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
Dovenmuehle Mortgage has been over-collecting on my escrow account for nearly a year. My taxes went down significantly ( $ XXXX ) due to my home being designated Historic. I called Dovenmuehle in XXXX of XXXX to see when my mortgage payment would be decreased and when I would receive a refund for my over-payment. They told me the analysis would be completed at the end of XXXX. I called in XXXX when I didn't see a difference on my mortgage statement. I was put on hold for hours and no one understood what I wanted. I called again a week later and the same ting happened. I was hung up on and had to go through the system several times until I finally gave up. I called in XXXX and asked for an escrow analysis. They said ok, and a week later I created an online account so I could check to see if there was a new analysis. There was. It still showed the previous tax amount. I called a week ago ( XX/XX/XXXX ) and was told that I needed to show them proof of the new tax amount. They told me it would take four days to re-run once I submitted the tax bill ( which they already had ). I called my county and had them send me the tax bill. I emailed it to the address provided by Dovenmuehle. I called today ( XX/XX/XXXX ) and was told an analysis would not be run because the difference was less than {$10.00}. At this point I asked to speak to her manager. She is now expediting my claim. It took five months and I was never followed up with, or treated fairly. They have been holding too much of my money in escrow and it shouldn't be my job to correct them beyond when they received the first tax bill in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I started disputing with TransUnion in XX/XX/2020, I haven't been successful with them at all in any of the disputes submitted and it is very aggravating! my last 2 disputes i sent to them through certified mail to make sure they got them, and they claimed it wasn't me disputing, I took that very offensively and it is not okay!

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 2022-03-15 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( XXXX XXXX ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well. Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
Im waiting for my insurance to get back with me due to they did not pay any of my medical bills when I was on short term leave.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: UT

Complaint narrative:
LEXIS NEXIS CONSUMER REPORT SERVICE IS REPORTING FRAUDULENT CAR ACCIDENTS IN MY NAME. 
AND NOT FOLLOWING FCRA RULE OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

Experian stated that XXXX XXXX and XXXX XXXX reinserted the accounts and verified that it wasn't identity theft. According to the Sec. 605B. Block of information resulting from identity theft ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-15 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: CA

Complaint narrative:
fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
USSA Federal Bank has had a " XXXX at XXXX '' feature for many years that allowed scanning a check and using the scanned image to make deposits to checking and savings accounts. They have discontinued that service and instead have instructed account holders to use their USAA phone App to deposit checks. 

The phone App requires taking a picture of the check and sending the image to USAA. 

The problem is that many of us who are older and handicapped can't hold our phones steady enough to take an image that is clear enough for the deposit to be accepted. 

I made two attempts at resolving this with USAA. The first attempt was with their Web Support area. The person I contacted there agreed that eliminating the XXXX at XXXX feature which allowed using a scanned image was a mistake. She told me that they have received numerous calls from XXXX patients and account holders suffering from XXXX XXXX who can no longer make deposits because they can't achieve the required image quality using their smart phones. 

I next contacted the CEO 's office. The customer service individual there said that USAA was aware of the problem and I should just mail the check, they had no intention of changing their policy. 

Mailing checks is not a satisfactory solution. Unfortunately the U.S, Mail isn't that reliable and the in-transit time for the check is excessive. We, their handicapped customers, should not be denied use of our funds simply because we are handicapped and can't use the smart phone App. 

USAA should recorgnize this is a universal problem and though the number of customers may be small for a company the size of USAA they should not be allowed to discriminate against handicapped individuals by removing services that allow us timely use of our funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-15 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: FL

Complaint narrative:
Equifax states they received this public record information from XXXX which by the way does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). XXXX submitted a deletion letter XX/XX/XXXX to Equifax, XXXX and XXXX to delete this inaccurate public record. XXXX deleted XX/XX/XXXX and XXXX deleted it XX/XX/XXXX both have removed the tradeline but left the one account associated with it ( XXXX XXXX ). Equifax has refused to delete it. I submitted the letter XXXX mailed to me that they submitted to all XXXX bureaus. They said they would not accepted it. I called XXXX and explained the problem. XXXX stated they would submit an escalation electronically to Equifax to remove the tradeline. Equifax still has not remove it. I asked several times to received the information that the court submitted to them and the information XXXX submitted to them. I have not received any documentation at all. I have submitted the XXXX letter to remove the public record ; the deletion reports from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: OneMain Finance Corporation
State: IL

Complaint narrative:
There are no cards linked to any of these inquiries but someone is trying to get credit on my name and they even had a credit card on my name that i had to call and talk to a company about a couple years back to get turned off and given to me so this is not the first time but i need it to be the last time please. Im trying to get my first apartment and i have all these random inquiries messing up my credit. 

XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Bank inquiry XX/XX/XXXX OneMain financial inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry.

Company response to consumer: Closed with explanation