vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This is a follow up complaint on a problem I had with funds transfer my USAA checking account on XX/XX/2019. I transferred {$1100.00} from my XXXX XXXX XXXX checking account to my USAA on the USAA app and when the transaction was completed, USAA put a hold in the amount of {$700.00} until XX/XX/2019. On XX/XX/2019 I logged on to my account and saw that USAA changed the hold until XX/XX/2019. I contacted USAA and after being transferred to several representatives, I spoke with XXXX on the CEO 's Office who told me that he filed a ticket and I would be contacted in two days. USAA never contacted me in response to XXXX 's ticket and since I also filed a complaint with CFPB, yesterday I received a voice mail and an email from XXXX XXXX from USAA, but when tried to contact her today at XXXX to discuss my car payment which USAA returned unpaid, although funds were available on my USAA checking account, I only reached her voicemail. I called USAA again and was transferred to XXXX at XXXX, also in the CEO 's office. He told me that he could not help me because he was not assigned to my case and again, my issue was not resolved. I contacted USAA on regular business hours to ensure that my problem would be resolved and that I would be able to request a letter from USAA to XXXX XXXX XXXX explaining the return on my payment when funds were on my account. but was not able to speak with XXXX XXXX or anyone else who could help me. XXXX XXXX was clear on her voicemail that she was calling me to discuss my complaint with CFPB, but didn't seem to be interested on discussing the problem with my account. Today I withdrew the funds from USAA and will make my payment to XXXX XXXX XXXX from my XXXX  XXXX XXXX account, since USAA is not a reliable bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted several letters and complaints to XXXX XXXX XXXX XXXX  and the credit agencies with regards to an account that was opened XX/XX/2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I went to a Chase bank branch in XXXX XXXX Mi. to deposit a check in XX/XX/2018. The XXXX female branch manager told.me to " get my XXXX XXXX out of the bank before she calls police. I then took the check to another Chase branch on XXXX XXXX and check was deposited into account. ( the manager made a complaint to chase that day. ) Same scenario same bank ( XXXX XXXX ) repeated this again in XX/XX/2018 with a cashier 's check. ( Both checks were drawn on Chase so it was THEIR checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a postcard saying I recently closed on a mortgage with Suntrust Bk. There was a mortgage number id that didn't match my mortgage number, which was paid off in XX/XX/XXXX, and there was no return address or identification of a company. I am attaching a copy of the post card with this complaint. 

Thank you, 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 2019-02-26 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: MD

Complaint narrative:
I examined my credit report during XX/XX/2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed from my credit 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 2019-02-26 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: MD

Complaint narrative:
I examined my credit report during XX/XX/2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — VA mortgage
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: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
As a veteran, I feel XXXX XXXX XXXX is no help to us veterans on VA loans programs. 

After a bad car accident and a huge stack of medical bills, we completed our application and was granted a VA Forbearance program. Under the program we were not suppose to be charged late fees, or any late payments reported to the credit bureau. We successfully completed the special VA Forbearance program only for XXXX XXXX XXXX to ruin our credit by reporting late payments to the credit bureau which was not part of the forbearance program. 

We even offered to make partial payments during the special forbearance program and all were refused. We notified them many times that we were making arrangements to bring the loan current and they refused to waive their late payment charges and took rapid action to foreclose on our property. 

They processed a rapid foreclosure even after notifying them that we would be bringing the loan current. They rushed into foreclosure without any discussion with us and the first time we knew about it was when the county notified us of the date. 

We finally convinced them to take our payment to bring the loan current only for them to later sell our mortgage to XXXX XXXX  XXXX dba Mr. Cooper probably to avoid the headaches and press about their underhanded process. 

We sincerely hope that no one else is treated this way by XXXX XXXX XXXX or any other lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: OH

Complaint narrative:
I have a mortgage with XXXX XXXX and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the XXXX XXXX has saw fit to remove this from MY credit history and refuses to put it back on, the Transunion Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2019, I requested a free credit report through Experian online and received the report immediately. I was not able to get my FICO score through the " free '' process and was given the option of signing up for credit monitory services for {$1.00} for 10 days and then {$21.00} monthly thereafter. The website said I could cancel anytime. I had no intention of continuing the monthly payment option and tried to cancel my account within the 10 day window. I called Experian at XXXX in an attempt to cancel my account but there was no cancellation option available on their outgoing messages and I was unable to cancel my account. I then went back to their website to try to cancel but just went around in circles and it appears that Experian 's website is, I believe, intentionally misleading and I was unable to find a way to cancel my account. However, there was an email address that one could submit a cancellation request to and I sent the email out to support@e.usa.experian.com on  XX/XX/2019 requesting immediate cancellation of my account. I included my Experian account number in my email but I did not receive an acknowledgement. Later, on/a XX/XX/2019, I received a charge on my credit card for the {$21.00} monthly charge. On XX/XX/2019, I went online again to my Experian account and found more information about how to cancel and I noticed that the phone number for cancellations, XXXX is different from the basic customer service number, XXXX. On XX/XX/2019, I called them and talked to an agent who said that she would cancel my account. I explained that I had problems with their website and that I had sent an email requesting cancellation and that I felt I should get a full refund of the {$21.00} but the agent said that was not possible since they don't give refunds. She said they would cancel my account as of the next billing cycle. 

I believe that Experian 's website and customer service contacts are intentionally misleading and lacking any easy cancellation procedures and therefore, I should receive a full refund of the {$21.00} charge.

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 monetary relief
Consumer complaint received 2019-02-26 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: GreenSky, LLC
State: WI

Complaint narrative:
My father received financing from XXXX XXXX XXXX  XXXX, Green Sky Financing. He passed away and I am the executor of his estate, I paid off the loan but received a bill after the fact for {$6.00} late fee. He is deceased and therefore couldn't pay-I paid as soon as I received the information to do so. The company refused to refund the late fee even though he is deceased and unable to inform him. I did so as soon as I received the information. It seems to me that the XXXX should have been refunded and the loan allowed to be closed. They go out of their way to make things difficult and continue to charge more fees even though I've sent the necessary paperwork to them as of XX/XX/2018. This is absolutely ridiculous. THey were also rude and harassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
I had a credit card account with XXXX XXXX, a division of First National Bank of Omaha. I had a payment due on XX/XX/XXXX. My internet service was out and so I wasn't able to make payment until the XXXX. A few days later I called the company and asked if the ( outrageous ) late payment fee could be waived since I was only hours late and had consistently been paying on time. 

At that time, I was told that my account had been closed in XX/XX/XXXX. The person I spoke to refused to give me the reason and indicated a letter had been sent to me explaining. I did not receive the letter and requested another be sent. I was told it would be. 

I did not receive the second letter after a couple of weeks so I called again to request a 3rd letter be sent. It has now been approximately 6 weeks and I still have not received a letter or any explanation as to why my account was closed. When I go to my account online there is nothing that says the account is closed. 

I have consistently made payments on time on all my accounts. I have had one negative report recently. In XX/XX/XXXX I received an exceptionally high utility bill from XXXX XXXX. I was only able to pay 1/2 on time. The balance I paid with the next payment. I was only one month late with 1/2 of  payment due. I have had service at my present location for almost 30 years. I have never had service disconnected nor had a poor report sent to a credit bureau. This was exceedingly unfair and just plain mean. 

The credit card company closing my account without any apparent reason and refusing to advise the reason is inexcusable.

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 2019-02-26 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: AL

Complaint narrative:
XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX  XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 2019-02-26 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: AL

Complaint narrative:
XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax mortgage XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was the victim of a bait and switch scam by a painting contractor ( increased the price of the signed contract by {$3500.00} ). I disputed the contract deposit amount paid with my credit card as I cancelled the contract when I was notified of the price increase and had to hire another contractor to do the job. The bank has continually delayed resolving the dispute, asking numerous times for information already supplied, changing the dispute reference number, falsely claiming that I agreed to pay the disputed amount and closing the dispute accordingly, refusing to provide timely written documentation of the status of the dispute and what they need from me in addition to all the documentation I've already sent. I have not been able to reach a supervisor at the bank with the authority to resolve the dispute, nor have I been able to speak with the same person twice in order to follow up.

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 2019-02-26 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: U.S. BANCORP
State: OH

Complaint narrative:
I have a mortgage with US BANK and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the US bank has saw fit to remove this from MY credit history and refuses to put it back on, the XXXX  Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.

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 2019-02-26 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: CA

Complaint narrative:
I received a XXXX for XX/XX/2017 reporting the wrong amount of interest : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX since XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has not provided me with valid verification according to my consumer rights that this account is actually mine. I have sent multiple letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting that Experian show me validation by a signed written contract that this debt is actually mine. They have to date refused to do so. I requested that Experian physically validate this information with this company without any automated XXXX system which is not fair to me as a consumer however I feel like I am being given the run around. The amount of this debt is with XXXX XXXX  and it is for {$12000.00}. To my knowledge I have not even done business with this bank so I need some one to take a look into why Experian is reporting this on my credit report with out a written contract validating this debt claim and why.

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 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have buyers for my house. BOA is providing them with mortgage. The BOA underwriter is NOT responding to phone calls from my realtor, my attorney, buyer 's realtor, or buyer 's attorney. I need closing date this week -- because, if I don't close this week, I will lose my new/next home.

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted several letters and complaints to XXXX XXXX XXXX XXXX and the credit agencies with regards to an account that was opened XX/XX/2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.

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 2019-02-26 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 have submitted several letters and complaints to XXXX XXXX XXXX XXXX and the credit agencies with regards to an account that was opened XX/XX/ 2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.

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 2019-02-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have 9 collections accounts that were re-inserted on my credit report without me being notified within 5 days of them being reinserted. All on Equifax {$75.00} XXXX XXXX {$70.00} XXXX XXXX   {$53.00} XXXX XXXX {$88.00} XXXX XXXX {$39.00} XXXX XXXX {$33.00} XXXX {$33.00} XXXX {$42.00} XXXX {$53.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AK

Complaint narrative:
Credence Resource Management LLC called me from XXXX ( XXXX ) XXXX on XX/XX/XXXX and the first time I told them I dont owe money ( {$35.00} ) for my phone bill that I just paid. The second and third times they called me I did not answer. The fourth time they called they immediately hung up so called them right back and told them to stop calling me. Then about a week later I got a letter in the mail from the same company stating I am in debt to XXXX XXXX XXXX. I double checked with XXXX XXXX XXXX and they said my account balance was {$0.00}. The call was from Washington, the address for Credence on the letter is in Texas, and the payment address is in Michigan.

Company response to consumer: Closed with explanation