vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
On XXXX/XXXX/17 I spoke with several reps within the company in told me several different stories, I was desperate to get the report off my credit & ERC advised me in XXXX that I would have to pay to have it removed. I sent a letter requesting if I paid the debt I was n't admitting I owned the debt but that I wanted it removed quickly. When I called today I was advised the fraudulent charges would not be removed and that even if I made payment they would still report on my credit profile. I was then referred to the Office of Presidency and was told to request for my letter of deletion. I spoke with, XXXX XXXX - supervisor and Rep XXXX XXXX. When I called this department I was sent to a voicemail. I then called ERC back and spoke with XXXX washington - he advised me that the account was in fraud status and that they were not going to delete the account. When I asked him what the department of presidency did he placed me on hold without any notification and XXXX XXXX - supervisor said the account when into dispute in XXXX of 2017 and as of XXXX/XXXX/2017 the account was placed in fraud status and the department of presidency would be able to advise me when the account would be deleted. This company is reporting inaccurate information on my credit profile with out any real proof of me ever owing the debt.
Below I attached information sent, they do n't even have the correct information providing proof the debt is mine and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. OnXX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. Look I am still in college and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls and I 've returned calls multiple times with no response. I do work and attend school and they make no attempt to return my calls. My most recent filing was closed as no further information provided. I want to know that if I allow someone to use me as co signer and the loan is done electronically and I do n't have an opportuntity to correct wrong information provided by a third party it is not my fault. How does a lending institution make a loan, advise consumer you are a co applicant and the very first document sent to advise is RETURNED. That should have been a RED FLAG to either put the funds on hold or figure out a way to contact me with any numbers/address listed on all major credit reports. I need this issue resolved and USAA is unreasonable in attempting to resolve the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX XXXX my account was overdrawn {$31.00} at end of daily transactions. I was charged two {$34.00} insufficient funds fee. I had enough in my account cover all but one item. I should have been charged only one fee. The withdraws were sequences so they could charge me two fees. I was charge {$34.00} for a {$20.00} item and {$34.00} for a {$25.00} item. Page 2 reflects several withdraws with amount greater than {$31.00}. They paid highest amt to lowest amt which results in Chase being able to collect more fee.
I spoke to XXXX XXXX ( supervisor ). She said she could only refund me back {$14.00} of the {$68.00} they charged me because I had been refunded fees in the past.
My complaint is had they not sequenced the way they did I would have only had one {$34.00} fee not two.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-27 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: GREAT LAKES
State: AR

Complaint narrative:
I have a federal student loan the beginning numbers are XXXX, in the amount of XXXX. I had made many inquiries and turned in proper paper work to work with my debto and now I have letter of forebearance in effect. My ssn is XXXX, my mailing address is XXXX XXXX XXXX, XXXX, Arkansas XXXX. I am the breadwinner of my family, and the only open loan that should on my credit report is a co sign for a XXXX in XXXX via XXXX XXXX. My work history is not updated I own a very small business The XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Arkansas. I have not made any new inquiries into my credit report and there is many. I would appreciate any assistance into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Williams & Fudge, Inc
State: MD

Complaint narrative:
I contacted Florida XXXX and XXXX XXXX XXXX XXXX about my federal loan. They are refusing to apply the amount I qualified for in Fall of XXXX. They are claiming there are timelines. This is not true. I contacted fasa and they said it is up to the school. Furthermore, I was told my financial aid was incomplete by the university. I never received any correspondence stating this. 
I and, my mother contacted the University 's financial aid office several times, and was told everything was fine and, my award would automatically be applied to my.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2017 my credit report was pulled by XXXX, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. XXXX called and I told them I did not request a XXXX Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.

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 2017-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I 've been a Chase bank customer for over 15 years, I 'm a XXXX  XXXX year old man and any small amount i lose is considered a very big deal. On the XXXX of XXXX 2017 XXXX XXXX i woke up to a message from Chase notifying me that there has been a withdrawal of {$200.00} even though there were 3 consecutive withdrawals of {$800.00} before that. I opened my account to see the activity, turns out there there was a check deposited first before the withdrawals and then it was withdrawn right away before the consecutive withdrawals. I called the bank immediately to notify them it was n't me that did these transactions and they asked me to fill out a form so that they can start the investigation.They then sent me an email saying that according to their investigation, it was an authorized withdrawal and that done by my card with a chip and used my pin. At that time I was sleeping and my card, the only card i have was in my wallet. They could 've easily realized that in the past 15 years banking with chase, i never withdrew an amount this big, used my card or deposited a check at that time, or used that specific bank. Also the signature at the back of the check that was deposited does n't mach any of my previous signatures. So i made a police report and gave chase my complaint number, but again they were very careless and did n't help in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I received a credit denial today from a bank when I was trying to finance a car. There is a credit agency called SAGE STREAM that I 've never heard of. When I find them on the internet and ask to see my report I have to send in a letter with a copy of my DL? One the reason they denied me was limited history for consumer at the this phone. I 've had this SAME number for 15+ years. Then it states too many recently opened accounts and then too few active accounts?

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 2017-07-27 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Syncb has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.

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 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXXwe began the loan process with JP Morgan Chase to refinance our existing mortgage for our Condo in order to take advantage of the equity in our home for debt consolidation and home improvement. The estimated property value of our home is XXXX and the balance on our current Chase mortgage is XXXX, the refinance amount requested was XXXX. We have lived at the same address for 30 years and both my spouse and I have worked for the same employers for more than 10-years and 27-years respectively ; each of our individual credit scores are in the " excellent '' range, with all debt payments made timely. Our condo is part of a XXXX unit homeowner association which was built in XX/XX/XXXX and converted to condominiums in XX/XX/XXXX and was designated a National Historic Landmark in XX/XX/XXXX. Today we were told that our loan was DECLINED because 2 HOA projects were not scheduled to be completed before the inception of our loan, the two projects noted were both long-term maintenance projects that are documented in the board-approved annual budget. We are very upset and do not understand why this is a factor in our ability to repay a standard 30-year loan for an amount that is roughly one-third of the value of our home. During this entire loan process we feel that we have been overly burdened from Chase to explain and justify inexplicable factors and are wondering if there is an underlying discrimination that is driving them to ultimately decline this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.

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 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. XXXX is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.

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 2017-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America pulled my credit report on X/XX/2015 without my authorization.

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 2017-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX pulled my credit report on X/XX/2015 without my authorization.

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 2017-07-27 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: MI

Complaint narrative:
I contacted all 3 credit bureaus and provided my identity theft packet and police report detailing fraud on my credit. Both XXXX and XXXX blocked the fraudulent account ( XXXX XXXX Credit Card ) within 4 days. Equifax, however, filed a 30 day dispute upon which the data furnisher ( XXXX XXXX ) " verified '' the fraudulent account as mine. During the process of the dispute I spoke to a manager in the fraud department with a heavy accent in XXXX that indicated the fraudulent account would be removed because a police report had detailed the fraudulent account after the 30 day dispute was complete despite the data furnisher verifying the account or not. However, upon calling back I was told by several representatives that only another 30 day dispute could be filed since the data furnisher " verified '' the account and that it would be up to the data furnisher to decide to remove the account from my credit profile. This is a direct violation of Section 605 B of the Fair Credit Reporting Act that states that any fraudulent information resulting from identity theft shall be blocked within 4 days by the credit bureaus upon receiving from the consumer a police report detailing the identity theft. Equifax filed another dispute ( Confirmation # XXXX ) and refuses to comply with federal law, specifically the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
While going through the process of a refi we discovered my wife had an unpaid debt from a period while we were legally divorced. We agreed the debt was valid but had never received notice of it 's existence. When we contacted the collector ( XXXX, from LOUISIANA RECOVERY SERVICE in XXXX, Louisiana ) they were not receptive to settling the debt for anything less than it 's actual amount. That was satisfactory because we concur it was owed. We made clear we wanted it deleted and not simply marked paid. The collector stated he would remove the debt after it was paid in full, but within 45 to 60 days, or for an {$11.00} deletion fee, he could delete it within a week. We agreed to that as well but asked to have that agreement in writing before sending payment. He stated that it was their policy not to send such agreements in advance. He stated he was bound by federal law to follow through on any promises made. He went on to state the conversation was recorded and that would be my proof. I disagreed, arguing I had no access to his recordings. I informed him I wished to call an attorney friend for advice before going forward. My attorney friend advised me to insist on a written agreement. When I called back approximately 5 minutes later, he again resisted and informed me there would be an additional transaction fee of {$7.00}. I became increasingly uncomfortable as he repeated the disclosure statement : " this is a call from a debt collector and is being recorded '' before answering any additional questions asked. This sent up a red flag indicating to me there would n't be continuity in his recordings if we ever needed them recalled. It was simply odd and absurd he would keep making that statement. We informed him we would call back the following day to reach an agreement in the presence of an attorney. He is resistant to that now too, not answering either my wife 's or my phone. I contacted the BBB with a complaint and sent him a certified letter the next day outlining my concerns. I also advised him, I 'd be contacting the FTC as well. That brings me here now.

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 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and I have been dealing with PennyMac to obtain a loan modification to be able to keep my home at an affordable payment. I initially applied over two years ago and have never been given a proper review, I have been denied for multiple reasons. I do believe my lender is engaged in predetory lending and additionally i do not believe Penny Mac has the promissory note or deed of trust. Over all I am confident my lender has violated my homeowner bills of right and is often involved in dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On X/XX/17 I submitted a request to close my checking account at Fifth Third Bank. On X/XX/17 I received an email back reminding me of the following : " A checking account is unable to remain closed if it is still being used. Recently closed accounts are reopened if a new debit is submitted against the account. Please refer to the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet : " Customer authorizes Bank to honor any items bearing Customer 's account number if Customer has disclosed that account number to the payee or any representative, affiliate, or party associated with the payee, whether or not the item is signed by the Customer. Customer further agrees that Bank may presume that the issuer of the item obtained authorization. For example, if Customer voluntarily gives information about their account ( such as the routing number and account number ) to a party who is seeking to sell Customer goods or services, and Customer does not physically deliver a check to the party, any debit to the account initiated by the party to whom you gave the information is deemed authorized. '' This means that if we receive information indicating that a debit is to occur from your account, we assume that you have authorized the transaction. You will need to contact the merchants who are debiting your account to revoke their authorization to debit from you. This will prevent any additional transactions from reopening your account. '' I 'm not a contract attorney but if I provide written notice to close an account, and they close the account, I am no longer bound by the " Rules and Regulations Applicable To All Fifth Third Accounts '', which means they should refuse any debits attempted on my account after it was closed. Fifth Third 's stance is of course for the " benefit '' of the customer and I 'm sure they would argue it 's a " courtesy '' to ensure payments are not refused, but the reality is that they are providing this " courtesy '' so they can charge overdraft fees to closed accounts. I 'm submitting this because it 's an abusive practice and needs to stop.

Company response to consumer: Closed with explanation