vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I bought a car. I started an allotment for the car. I went to the hospital for treatment. The allotment wasn't processed in a timely manner ( which was later identified and rectified after research ). USAA said they sent letters to my home about my account. I wasn't there and never received them. They had my phone number and never called. They misspoke once and said they did call but I pulled phone records and proved that they didn't. They later apologized and I asked for my account to be corrected because they never called. I tried to correct my credit and was unable to. For years I have tried to correct it as it interfered with my clearance. It was corrected for 1 month then reappeared. The representative called me when I called the CEO office and was rude. She said it will not be removed and that I should stop putting in complaints. I was in fear of USAA retaliating so I stopped but it wasn't right. I called the CEO office and once again Mr XXXX said he didn't see removing it as a problem. Well I guess I was. The representative called me and said I should stop as the credit report will not change. I went to register my vehicle in XX/XX/2018. I had 39 days to get the registration completed. I received all kind of nasty letters from Georgia saying I was in jeopardy of committing fraud and my plates revoked. I called USAA in panic XXXX XXXX and XXXX. I was promised each time they were working on it. Registration takes 30 days. It was an electronic title. USAA refused to take responsibility that they messed up. Didn't monitor the transaction or needed actions. They did apologize those. My issue is that why when I made a mistake of trusting my actions ( the allotment ) I corrected it from a hospital bed nd no phone call from USAA, I get 3 years of unfair reporting. But when USAA makes the mistake of not obtaining my title in a timely manner due to oversight and negligence, I get the residual and backlash. No one dings them for this mishap. I think in good faith they should remove that blemish and this time for good as it was not done intentionally and could have been rectified sooner had they simply called me. They had 2 other ways to contact me. The bottomline is it wasn't done on purpose. I have never been late on ANY vehicle I have ever financed through them. We almost had another problem when they went in the account and tried to debit the payment BEFORE the due date. of course the allotment wasn't there and they said well we will only try and debit once. But why before the agreement/due date. That causes problems. I'm glad I monitored that transaction. I just want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: KS

Complaint narrative:
My Kansas State XXXX XXXX direct deposit payments ( XXXX ) to KeyBank NA has been hacked over the past two months. So far I have lost over {$1500.00}. I have notified the KeyBank, Kansas State, the FTC, credit reporting companies. KeyBank has reissued me three new debit cards to try to stop this, to no avail. Though I have not yet received my third debit card, I did notice, KeyBank has issued a credit for the most recent charges. Since I am a disabled person and was hospitalized and recovering while this was initially happening, I didnt notice at first, because I wasnt using the card. The bank is indicating that since I didnt report it right away, they arent responsible. 

The same day I reported my first hacking letter to KeyBank, I received a notice that I had been involved in a breach from XXXX and XXXX. 

Even though I have been reimbursed {$810.00}, there is no way to be sure it will be there long enough until I get my new debit card to cash it out before the hacker gets it. Please help me. 

XX/XX/19 {$400.00} XX/XX/19 {$250.00} XX/XX/19 {$210.00} XX/XX/19 {$500.00} ( reimbursed ) XX/XX/19 {$310.00} ( reimbursed )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I HAVE BEEN UNSUCCESSFUL IN GETTING PORTFOLIO RECOVERY ASSOCIATES, LLC WHOM I HAVE PAID MY ACCOUNT BALANCES AND HAVE PROOF OF THE PAYMENT ARRANGEMENTS WE MADE AND WERE PAID OUT DIRECTLY FROM MY ESCROW ACCOUNT TO SHOW PROOF THEY HAVE BEEN PAID IN FULL AND THEY CONTINUE TO FRAUDULENTLY DENY MY REQUEST TO UPDATE MY CREDIT REPORT TO SHOW MY ACCOUNTS HAVE BEEN PAID IN FULL. I HAVE TALKED TO THEM SEVERAL TIMES OVER THE PHONE AND THROUGH XXXX XXXX I HAVE BEEN FIGHTING WITH THIS FOR THE PAST 3 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XX/XX/2019, I received an opened letter from XXXX XXXX XXXX due to it being misdelivered to another adress and immediately sent them ( XXXX XXXX XXXX ) a debt validation letter. XXXX XXXX XXXX received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from XXXX XXXX XXXX via mail nor by phone and the negative entry remains on my credit files ( XXXX, Equifax and XXXX ). Due to XXXX XXXX XXXX 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XX/XX/2019, I received an opened letter from XXXX XXXX XXXX due to it being misdelivered to another adress and immediately sent them ( XXXX XXXX XXXX ) a  debt validation letter. XXXX XXXX XXXX received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from XXXX XXXX XXXX via mail nor by phone and the negative entry remains on my credit files ( Experian, XXXX and XXXX ). Due to XXXX XXXX XXXX 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.

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 2019-07-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX partial account numbers XXXX. ( Please see pages 7 and 8 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: OH

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account numbers XXXX. ( Please see pages 7 and 8 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I have contacted the collection agency, Wakefield & Associates on several attempts to try and resolve this issue. I have been unsuccessful in doing so. I have filed at least 3 disputes pertaining to these medical bills and I have yet to get them resolved. I spoke with a representative in XX/XX/XXXX and he assured me that the items would be removed because I have had someone in Ohio to steal my identity and file income taxes in my name. I have no knowledge of being treated or in the hospital during the dates that were provided which were in XX/XX/XXXX.I made another attempt in XX/XX/XXXX to contact Wakefield & Associates again and the customer service representative was very rude and we could not come to a resolution I never received a bill from the collection agency nor the company that it represents. I was only made known about the bill when I began my home buying process. I am disputing BOTH debts and I need them to be removed from my credit report because it is having a negative impact on my credit. 

Wakefield & Associates- {$850.00} Wakefield & Associates- {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was contacted by a company representing themselves as " XXXX XXXX '' regarding an apparent Paypal debt. They have called me from spoofed phone numbers & not their legitimate toll free number. They have not actually sent me anything in the mail. But I do not currently have any debt with Paypal as of XX/XX/2019. I have paid the collections agency that notified me via mail. They are leaving me messages saying to call back with a reference # 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 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
Keeps calling me with a robot auto caller, I have told them several times I am on do not call list, they need to send paperwork through mail, yet they keep calling my pre paid cel phone costing me needed minutes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: NC

Complaint narrative:
I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX. I have all payment history from the date of XX/XX/XXXX but would like the prior 11 years ' worth of history from Conduent. Payments began some time in XXXX and there has been some forbearances and deferments during that time. When my balance was transferred over to XXXX, the high amount as reflected on my credit report says {$19000.00}. When I began making payments with XXXX, they started my balance as {$21000.00}. I don't understand this discrepancy. I need to confirm accuracy by reviewing the history in total. On the XXXX website, they state they have only received one historical transaction from ACS/Conduent and it was basically the total balance due ( {$21000.00} ). There were no history of payments. Also, there are no previous tax statements at all. My statements only go back to XXXX. When I log into the Conduent/ACS site, it just tells me they no longer service my account and to refer to the new servicer. I have tried contacting ACS by phone. However, the number is not in service. I have contacted Navient by phone but they say this is not their problem. I believe I have made at least half of the 120 payments required for loan forgiveness. However, I have no historical proof due to the way my loan has been managed by ACS educational services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: OH

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX   partial account number XXXX. ( Please see page 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My mortgage was transferred from XXXX to Loan Care LLC end of XX/XX/2019. Since  my account at Loan Care was not set up, I made my XXXX payment via my bank 's bill pay. I set it up on XX/XX/19 and have verified with my FI that it went out electronically ( not check ) to Loan Care on XX/XX/19. fund came out of my account XXXX also. Loan Care still has not posted it. I have called at least 4 times, each time having to wade through a phone tree for at least 7 minutes, then on hold, then talk to reps who will not take accountability. First call on XXXX resulted in rep telling me bill pay can take up to 10 days to be received and posted ( even though electronic ) so i needed to give it until at least the 10th. I called after that and was told to send info- including showing my checking account was not negative at time! - to escalated payment research. I sent the first email to XXXX  ( escalated payment research ) on XX/XX/XXXX with my account info and showing the bill pay. I received only an automated response. since I did not hear, I called again and was told to track bill pay. on XX/XX/XXXX I sent the debit transaction # and the bill pay confirmation #, and I verified I sent to correct " address ''. I received automated response. I called on XXXX rep was unresponsive again. I called XX/XX/19, asking for manager- was transferred to 2 different people who are not managers. Last person, still not mgr, said she will submit forms to escalate and then put me on hold for 10 minutes, never came back. 
On XXXX, I received an email response that said " Dear Valued Customer, To research this request, we would need a copy of the cashed check both front & back, and the electronic transmittal form from your bank. 
Your request has been resolved and this ticket has been closed. " My payment was sent electronically, not check- and I gave them the electronic tracking info. They still have not posted my payment, so they should not be able to close this ticket. I made the XXXX payment on their website and it has been posted as the XXXX payment, making it look like I still owe XXXX. The only responses I am getting from Loan Care are either automated or collection calls. I have wasted at least 5 hours of my time, away from work, I have sent them everything necessary to track my payment, I have requested that they update me on progress or lack thereof, and Loan Care has done absolutely nothing or even explained.

I know I am not only one in this situation, as there are complaints all over internet. they obviously are swamped with this transfer. But they need to take responsibility, accountability, and get this done! 
Thank you!

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 2019-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
After multiple repeated requests Carrington Mortgage has not applied additional principal payments to my account. It has been 45+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
Please remove this account that keeps deleting and place back on my credit report. 
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 2019-07-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase XXXX credit card was wrongly flagged for fraudulent activity. The company did not contact me to verify whether or not I had initiated the action, but merely assumed my card/identity had been stolen, and " permanently closed '' my account on XXXX XX/XX/2019. They did not notify me of this action, nor give me a reason for my account 's closure - I found out when my card had been declined, and I called in to the number on the back of the credit card. I had to spend hours on the phone over 9 weeks, and speak to numerous people, submit multiple pieces of documentation in-branch at XXXX, NY, 2 hours away from my home, and threaten legal action,  before I found out the reason for my account 's closer - it had been wrongly flagged for fraud. They did not give me an opportunity to use the {$700.00} in rewards points I have accrued over the years, nor let me copy any of my credit card statements, as they had locked me out of the online portal and app. I have spent over 20 hours on the phone over the course of over two months, with no resolution. The person handling my case is in the XXXX, XXXX XXXX XXXX, who has only called me late at night, and has an extension that does not work for incoming calls. I would like my stolen rewards points back, as well as access to my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I have been requesting the NOTE on this account they say I have for over 30 days. with no luck. I have already submitted a claim to the CFPB Complaint ID XXXX. 
You closed it without a resolution. Attached are the documents along with the deed to my home show that the XXXX  number XXXX in fact is correct and they can not provide any info on this. They will not do the research. And neither did you guys. I need the lien released so I can move forward.

Company response to consumer: Closed with explanation