vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
We completed a refinance through USAA. The refinance processed a few days prior to when our auto pay on the old mortgage was set up to pay. Even though the original loan was paid off, our auto pay for around {$3000.00} went through in early XXXX. I called USAA around 10 times between XX/XX/XXXX and XX/XX/XXXX to inquire about when we would be refunded that money. I received different answers from different people but most said it would automatically go out 30 days after receipt. 30 days after the payment i called again and the check still had not been issued. No one knew why and the rep said they would take care of it. XX/XX/XXXX, still no check so I call back. Different person says check still hasn't gone out they don't know why, will talk to a manager and follow up with me. It is now XX/XX/XXXX, I call back after receiving no follow up and the manager 's inquiry has gone no where and no one knows what happened. The person I talked to this time says she thinks the refund will go out on Monday but she will have to call me back Monday to verify. No one at USAA has any idea what is going on and at this point they are holding my money XXXX. If I can not pay my bills or my mortgage because they have my {$3000.00} are they going to refund me? The scariest part is I caught the error. I am not sure they would have ever given me my money back ( they still might not ) unless I had caught it. I feel they have been dishonest and have kept my money XXXX while providing me no resolutions, updates or compensation for this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA

Complaint narrative:
Helvey and associates had incorrectly reported a power bill which was owed by one of my tenants which lived in one of my rental properties on my name in XXXX. I ended up paying the bill to try to get it off my report. It's still on my report 5 years later. This power bill was also never mailed to me, and no late notices were recieved. 

Those properties were sold in XXXX. I just got another power bill which was never mailed to me, emailed to me, and absolutely ZERO notices were sent, now Helvey and Associates has once again just reported to to all the three credit agencies taking my XXXX credit score down to XXXX. 

I need someone to help with their abuse. It is not fair that the dont contact the home owner or do anything to alert them before reporting them to credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NC

Complaint narrative:
I have contacted ALL 3 credit bureaus. There was an address added to my credit report/SSN a year ago as well as an account I had no knowledge of. Myself and the woman at the address share the exact same name. Once she opened the credit account, one of the 3 credit bureaus added her and her address to my social security number. I filed a police report for the " fraud '' jumped through all the credit bureaus hoops, and they will not remove this address. Another credit account was added to my credit report once again, same person, same address and she failed to make a payment AGAIN. I have pleaded with the credit bureaus to remove her address ( I have lived at MY same address for XXXX  years ). The detective who investigated the fraud had the same conclusion ... ... one of the credit bureaus added her address and account to MY social due to our sharing the same name with no attempt to locate her personal information anf therefore her own credit accounts. PLEASE help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Wrote them a dispute letter no response or anything verifying debts on XX/XX/2020 the request was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Several disputes have been made with regards to attempting to pay this loan and get it current. Finally, today I was able to speak to XXXX who said that {$19000.00} was due on XXXX XXXX, 2020 in order to reinstate on our loan. She then said she would get a new payoff and we would have to call by XX/XX/2020 to find out the amount and make a payment plan. Rushmore did not mark my credit as disputed and continued to report my account as late. I pulled my credit reports and the balance due is {$7500.00} as of today. On XXXX XXXX, 2020, I sent a certified check in the amount of {$9300.00}. That was returned to me on XXXX XXXX, 2020. How can my balance go from {$7500.00} to {$19000.00}? They are attempting to extort additional money from me and take my home from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called chase to change the date on my automatic payments from the XXXX of every month to the XXXX, chase advised that the change I requested was processed. The following month I realized my automatic payment for the XXXX was not drawn from my account. I called Chase to follow up on what was going on and they explained that the automatic payment they said they would set up for my account was never processed, therefore they reported a late passed due payment. I have never missed a payment on my auto loan and due to their poor customer service a unjustified late payment was reported. I have already fixed the issue and my account is up to date but chase made me aware that although this was an error from their behalf the could not remove the late payment reported. Please help with the matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I recently got out of an XXXX  relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative and derogatory reporting by PORTFOLIO RECOV ASSOC, XXXX XXXX XXXX, XXXX, VAXXXX, ( XXXX ) XXXX. I contacted the company in writing to ask about information about this account and how this debt came to be as I have no knowledge of it. I also have not done any business with this company. The company responded by sending me an invoice for the bill, requesting payment. I attempted to contact them several other times in order to get information however, their response would always be the same. They would send me an invoice demanding payment and nothing else. 

In the meantime, the company has continued derogatory reporting to XXXX, XXXX  and XXXX  - which has in turned ruined my credit score. At this point, I am seeking intervention to stop this company from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
This account don't belong ro me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: MN

Complaint narrative:
Still waiting to receive unemployment benefits when I choose to use the unemployment debit card the ReliaCard on the screen that pops up I had already been issued an unemployment card on a previous account and that's where my payments would be issued an. And also told me to call the number immediately and I did and the lady I spoke with said I didn't have a card issued to me ever so I need to either they figure out what the previous account was and closed it cuz I've never gotten unemployment benefits before this is my first time and reapply for a new one or something.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The company is refusing to drop my co-signer. I have over 700 credit score with no negative marks and having been paying my loan on time every month for almost 2 years. They stated that because of the amount of student loan debt I have they can not release my co-signer. I only owe them 12,000. I disputed it in XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The balance you are reflecting is not correct. I made a settlement payment of {$200.00}. Your email clearly states this settles my balance. My balance should be reflected as {$0.00}. Your e-mail is as follows : About your account ending in XXXX On XXXX XXXX, 2020, you made a settlement payment of {$200.00} towards your initial balance of {$480.00}. We are happy to confirm that this payment settles your balance. 

The last sentence clearly states this payment settles my balance. Which means, I no longer have a balance. My balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Ray Klein, Inc.
State: UT

Complaint narrative:
Prof Credit XXXX : This debt is currently being reported in a violation of the Bankruptcy Law. This debt is currently updating each month on my credit report and affecting me negatively. This was included in my Bankruptcy and is no longer valid to report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NC

Complaint narrative:
I have contacted ALL 3 credit bureaus. There was an address added to my credit report/SSN a year ago as well as an account I had no knowledge of. Myself and the woman at the address share the exact same name. Once she opened the credit account, one of the 3 credit bureaus added her and her address to my social security number. I filed a police report for the " fraud '' jumped through all the credit bureaus hoops, and they will not remove this address. Another credit account was added to my credit report once again, same person, same address and she failed to make a payment AGAIN. I have pleaded with the credit bureaus to remove her address ( I have lived at MY same address for XXXX  years ). The detective who investigated the fraud had the same conclusion ... ... one of the credit bureaus added her address and account to MY social due to our sharing the same name with no attempt to locate her personal information anf therefore her own credit accounts. PLEASE help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I found out that I have several accounts through Union Bank located at XXXX XXXX XXXX XXXX XXXX CA XXXX, and apparently these accounts are being managed by some appointed power of attorney designated to manage my accounts. In XXXX, XXXX XXXX opened an investment account, account number XXXX which seems to have been opened and closed after a year. I found this information out thru my income tax records at the franchise tax board and again through some financial documents I found at his house. According to FDIC I have several other accounts that are also shared with XXXX and his family members, but I am the sole owner of these accounts that are valued over 1.7 million in  available balance. I have never received bank statements, cards associated to these multiple accounts nor have I had any communication about these opened accounts in my name. 

My name is XXXX XXXX XXXX, my ssn is XXXX and my date of birth is XX/XX/XXXX. I filed a police report for this situation with the local law enforcement. The report number is XXXX and the officer that took my report is Deputy XXXX. She can be reached at XXXX for further information. 

My contact information is XXXX. My email address is XXXX. 

Thanks

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 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
I received a pay day loan on more than one occasion from Speedy Cash. The Original amount was always XXXX or maybe even XXXX.I think the flat fee was {$100.00} at most. I would have never taken the payday loan otherwise. I missed one payment and now they are charging {$920.00} in interest in addition to the principal. I never signed for an interest loan and even attempted to call and settle on 2 occasions once for {$800.00} and the last time for {$900.00} to no avail even when notified that I have begun to prepare for Chapter XXXX bankruptcy proceedings and that I rather pay now than over a 3-5 year period. I do not think the usury rate of interest their charging is a contractual obligation. In fact the interest is more than the loan itself. I am willing to pay the original loan amount with a reasonable fee but if they insist on trying to defame my character by representing to the credit bureaus that my balance is higher than what it is and refusing to take a payoff is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
My account balance is not correct My credit report showed past due but it is current The company posted a remark on my credit report saying affected by natural disaster because I requested extension because of the coronavirus pandemic and I need to be removed from my credit report it affected my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
pls verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/20 my water bill for {$65.00} was returned unpaid ( even though I had over {$160.00} in the account ) and i was charged {$25.00} from the water company bringing my bill to {$90.00}. After speaking to numerous usaa agents one told me it was an error, another said it was because I had a {$110.00} pending charge the next day, but if that were the case the water bill should have cleared first & there were several hundred dollars in deposits the next day. They continue to process even pending debit charges first to bounce the most ach charges because they can charge nsf fees on those. If you review the attachment I clearly had funds to cover the water bill. I would like a {$25.00} refund or a letter that it was an error and for them to follow bank laws regarding not reordering items to maximize fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
My lender has forced the flood insurance for year XXXX and purchased the policy in XX/XX/XXXX. 
I was informed about the policy in XXXX and rules why they bought it. 
My objection is 1 ) why wasn't the policy got purchased in XXXX if it was required in XXXX? 2 ) how can you back date and purchase policy for period that is already gone..it seems fraud to me. 3 ) if it was to be purchased for XXXX then I should be informed in XXXX with amount and the clause of policy so that I can make informed decision why I got told about XXXX policy in XX/XX/XXXX. 

I tried to speak with multiple people at my lender and didn't get resolution and they paid it through my escrow putting me into financial risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for a Venture Credit Card by clicking on the promotional offer link advertising XXXX sing up bonus points. I completed the requirements and no bonus was awarded. I called and was told my account didn't show the initial sign up bonus. I was told it would be escalated to a supervisor. It was confirmed that my account would have been eligible and that I met the spending requirements. The company then refused to provide the bonus. 

I was told I was not allowed to talk to a supervisor. I send emails to the Director of Complaints, XXXX XXXX. I did not receive any response. I followed up with emails to various others in upper management and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
I recently got out of an abusive relationship after living in a battered women 's shelter for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative and derogatory reporting by XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, ( XXXX ) XXXX. I contacted the company in writing to ask about information about this account and how this debt came to be as I have no knowledge of it. I also have not done any business with this company. The company responded by sending me an invoice for the bill, requesting payment. I attempted to contact them several other times in order to get information however, their response would always be the same. They would send me an invoice demanding payment and nothing else. 

In the meantime, the company has continued derogatory reporting to XXXX, XXXX  and Experian - which has in turned ruined my credit score. At this point, I am seeking intervention to stop this company from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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