vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
THIS COMPLAINT IS AN ADDENDUM TO CASES XXXX, XXXX. ON FRIDAY XX/XX/XXXX I WAS CONTACTED BY " XXXX '' FROM THE CEO OFFICE FROM USAA ; HER EXTENSION LINE IS XXXX. DURING THIS PHONE CONVERSATION THIS REPRESENTATIVE CONTESTED THE COMMENTS FROM EXPERIAN WHICH INFORMED ME THAT USAA WAS REPORTING MY ALLEGED CREDIT CARD CHRAGE WAS BEING REPORT AS " 51 CHARGE-OFFS ''. THIS CONSUMER HAS NEVER HAD 51 ACCOUNTS WITH USAA. AS THE PHONE CALL PROGRESSED " DIA '' STATED THAT DURING XXXX THERE WAS A USAA POLICY WHICH IF A DEBT WAS OWED TO THE CREDIT UNION ( CU ), THE CU WOULD CUT ACCESS TO ALL ONLINE ACCESS TO ANY ACCOUNT. INXX/XX/XXXX, I WAS RE-STATIONED IN XXXX AS I LEFT XXXX. THIS CONCEDED THE FACT THAT USAA WAS SENDING STATEMENTS PERTAINING TO THE INCORRECT ADDRESS AND I HAD NO RECOURSE IN CORRECTING THE ISSUE AS MY ACCESS TO MY ACCOUNTS WERE RESTRICTED BY THE POLICY THAT HAD IN AFFECT AT THE TIME INXX/XX/XXXX. XXXX INFORMED ME THAT SUCH POLICY HAS BEEN TERMINATED. IN XX/XX/XXXX, USAA SENT ME A CHECK FOR {$200.00} FOR A REFUND FOR FRAUDULENT BANK CHARGES ASSESSED TO MY ACCOUNT WHICH CAUSED MY ACCESS TO BE RESTRICTED. THIS DISCLOSURE CONTRADICTS THE EXPLANATION PROVIDED BY USAA TO CFPB ON XX/XX/XXXX CASE # XXXX. " BETWEEN XX/XX/XXXX AND XX/XX/XXXX NO CREDIT CARD PAYMENTS WERE RECEIVED. ON XX/XX/XXXX THE ACCOUNT WAS PERMENANTLY CLOSED, AS IT HAD REMAINED PAST DUE FOR 90 DAYS. DURING THIS TIME, USAA MEMBER DEBT SOLUTIONS BEGAN MAKING OUTBOUND CALLS, VARIOUS PAST DUE NOTICES WERE GENERATED, AND MONTHLY CREDIT CARD STATEMENTS WERE SENT TO YOU. '' AS XXXX CONFIRMED USAA SENT ACCOUNT INFORMATION TO AN ADDRESS AND STATE I NO LONGER LIVED IN, WHILE USAA RESTRICTED ACCESS TO MY ACCOUNTS, BASED UPON THEIR FORMER POLICY TO RESTRICT ACCESS TO ACCOUNTS IF PAST DUE BALANCES EXIST. XXXX ALSO STATED THAT I MADE A STATEMENT FOR " USAA TO CEASE COLLECTION EFFORTS IN XX/XX/XXXX '' THIS IS AN ECHO STATEMENT  FROM CASE # XXXX. " USAA CEASED COLLECTION EFFORTS IN XX/XX/XXXX, PER YOUR REQUEST FOR A CEASE AND DESIST. '' THIS IS FALSE, AS XXXX CLEARIFIED ; THE CEASE AND DESIST WAS ISSUED TO A 3RD PARTY DEBT COLLECTOR AND NOT USAA DIRECTLY. USAA MISREPRESENTED THIS ELEMENT IN THEIR STATEMENT TO CFPB. USAA CONCLUDED BY STATING THAT THEY ARE OBLIGATED TO REPORT ACCURATE INFORMATION TO CREDIT REPORTING AGENCIES, AND AT THIS TIME " XXXX '' STATED THAT XXXX WAS AT ERROR FOR REPORTING THE " 51 CHARGE OFFS ON MY CREDIT REPORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
Around XX/XX/2020 I wrote and debt dispute and Cease and Desist Letter To Rushmore Loan Management Services. After receiving this request Rushmore Loan Management Services still called me XXXX time after the request. Rushmore Loan Management Services called on XXXX, XXXX, and XXXX. Rushmore Acknowledged they received the cease and desist request in a letter dated XXXX. 
The phone calls caused me a lot of stress and I am still hurt by the company 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I had a home loan with NewRez and I refinanced my home loan with XXXX XXXX. Loan closed on XX/XX/XXXX and NewRez was overpaid by {$2200.00}. 
When I contacted NewRez, the company told me that they will send me the money back. 
When asked the fastest way to receive the money, they told me that it was via my bank. 
They told me that I would receive the money without 24 to 48 hours. 
On XX/XX/XXXX, I called back NewRez because I didnt received the money yet. The company told me that the money was deposited in my account on XX/XX/XXXX. 
I called my bank and they told me to contact back the morgage company. 
Since XX/XX/XXXX, I contacted NewRez multiple times and each times they promised me that the money would be in my account in the next 24 to 48 hours. 
We are XX/XX/XXXX and I still dont have the money. 
When I asked the company to overnight me a check, they told me that it was not possible. 
I need that money to pay my new morgage company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I noticed on my most recent credit report that a mortgage late payment was reported for XX/XX/2019. 

However I gave pre-notification to the lender due to my income payment scheduling my mortgage payment would be sent towards the end of the month each month and I was insured it would not be an issue. Prior to the late payment of XX/XX/2019 I gave the lender notification my mortgage payment would be a couple days past due on the following month due to a payment error from my employer and the lender again further insured there would not be an issue. My correspondence with the lender was all done by phone other than the letters I sent them. 

The result of this single late payment ( which I gave pre-notification ) resulted in a major negative impact on my credit report dropping my credit score XXXX points. Aside from this unforeseen and unavoidable circumstance my mortgage payment record had remained unblemished. 

The negative impact on my score caused further financial hardship preventing my ability to refinance the mortgage to lower the payment which could have lessen the financial hardship. Furthermore I was also in the process of applying for a Small Business Administration ( SBA ) loan to purchase a pre-existing cash flow positive small business. The negative impact disqualified my approval of the loan. This in effect would have additionally strengthen my financial position as a reliable and dependable mortgage holder. 

I have since called the lender for a goodwill one time removal of the late payment. I have written them a letter for a goodwill one time late payment removal. I have sent a few dispute letters asking for the late payment to be removed. And I finally sent a XXXX attempt letter asking for a show of goodwill to please remove the late payment especially during this historic national and global pandemic crisis. 
I informed the lender if the late payment can not be removed as a show of goodwill I would send a complaint to the CFPB being I have made several attempts to have the late payment removed. 

The mortgage lender is Lakeview Loan Servicing and my mortgage account number is XXXX Thank you, 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 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC has a debt for {$990.00}. I wanted to settle and I offered a settlement for {$400.00} and they agreed. When I ask the Manager XXXX XXXX to draw up a legal letter of settlement agreement he said he couldn't because the company do have a way to do that. That's false, as it is a legal document that says, that the debt will be paid and full, pulled from my credit report and they can not come after me for any future debt pertaining to that specific debt. 

Mr . XXXX  's document he sent suggested, once I pay, I would be on a payment plan until the d {$990.00} is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Over the years, Ive been a victim of identity theft and/or fraudulent activity with the use of Debit cards, medical, and more. I have been disputing this item on my report from ARS resolutions. The debt is {$1800.00}. I am not aware of this debt which was supposed to take place in XXXX of XXXX. It showed up on my credit report XX/XX/XXXX. Ive been disputing this item and XXXX have not removed it. It it not accurate. I also filed a complaint with a Florida police department via online just to show proof that I did take the proper steps to get this resolved. I am currently fixing my credit and this is not helping. Please remove immediately. 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 explanation
Consumer complaint received 2020-12-22 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-22 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/2020, Santander Consumer USA was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. Santander to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. Santander to forgive loans entirely, per the settlement 3. Santander to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the Santander Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact Santander. When I call Santander, they state that I am not eligible for the settlement because I still have a balance. 

I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that Santander is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. 

However, Santander has removed the loan entirely ONLY on XXXX, but XXXX and XXXX, they have closed my account, but still show a balance. This is not correct according to the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
My ex-wife and I had a co-signed credit card account with USAA. My ex-wife filed for chapter XXXX bankruptcy and the account was included in her bankruptcy. I was not a party to the bankruptcy and it should not affect my credit report. USAA stopped my automatic monthly payments without notice to me and deleted the account from their website so I was unable to view any status. Upon my noticing the account was missing from my view on their website, I called them and their customer service representatives were unable to process a payment via phone. It took XXXX hours over a series of phone calls before it was determined how it was possible for me to make payments. I have continued making payments monthly. USAA refuses to send me monthly statements and I have to call their bankruptcy department via phone to make sure my payments are received. The balance is now lower but USAA is reporting this account to the credit reporting agencies as a serious delinquency/missed payments with past due amount of the original balance that was included in my ex-spouse 's bankruptcy filing. I have disputed this status with all three credit reporting agencies, but USAA response is that the account is accurately reported. The bankruptcy department representatives that I have spoken with via phone say they can not help me and that I should pay for a lawyer to pursue this with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
on XX/XX/2020 XXXX XXXX accidantly sent a duplicate balance transfer to bank of amercia for XXXX to visa ending in XXXX -- this resulted in a credit of the same amount on this account -- i have called boa several times trying to get a refund of the above said amount i called on XX/XX/XXXX and was told since there is a credit on my account the money should be reversed back to XXXX by XX/XX/XXXX-didnt happen called on XX/XX/XXXX to find out what is going on the told me that the money would be in my checking account in 1 to 2 business days -- didnt happen ( gave them my bank routing number and acct number ( XXXX XXXX ) called XX/XX/XXXX and asked status and they said the agent i talked to should have read me a disclouser that said it would take 3 to 5 business days called XX/XX/XXXX and asked status -- they said something about having to wait till XX/XX/XXXX because of the large amount to be refunded??? 
xmas ruined pls get my XXXX back to 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 monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account with Regions Bank in branch in XXXX, GA on XX/XX/2020. I opened the account in response to a promotion offer I received via U.S. mail. The promotion entailed opening a checking account and completing XXXX debit card transactions within 30 days to receive a {$400.00} bonus. The bonus is to pay XXXX days after completion of the XXXX debit card transactions, or approximately 120 days from account opening. I have completed the requirements and have not received the account opening bonus. I have worked with the branch starting on or around XX/XX/2020 and they keep saying they're working on it. They admitted other customers have not received the bonus. I beliece this to be a XXXX concern that needs to be investigated.

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 2020-12-22 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My wife and I refinanced our mortgage through XXXX XXXX. Shortly after ( before the first mortgage payment was due ), the servicing of the loan was transferred to PHH Mortgage Services. 

The first payment was due on XX/XX/2020. Upon attempting to make the payment, I noticed that PHH had the incorrect payment amount due. Their system is reflecting a payment of {$2000.00}. However all of our loan documents reflect the correct payment should be {$1400.00}. It is the principal and interest portion of the payment that reflects incorrectly. 

The loan is a conventional XXXX year fixed loan with a balance of {$250000.00} with a term of XXXX years and a rate of 2.75 %. 

I contacted them via phone on XX/XX/2020 and was told to send my loan documents and support to their customer care team via email. I did so on XX/XX/2020. As of today, XX/XX/2020 the information is still not correct and I am showing as delinquent on my mortgage. 

Since XX/XX/2020 I have since called them on XXXX separate occasions and each time am told that they have the documents I have sent and it is with their research team. I am then told to call back in a few days. I have received no answer, no estimated resolution time ( except for a XXXX business day response time which has long since passed ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This is my SBA loan thats was granted to me with interest.I was told by the SBA agent I can use PayPal not knowing you guys was going to lock my account I cant afford for PayPal to hold my funds for a XXXX days this is a loan and Im responsible for this loan paying it back so please see that I really need my money so I can continue to keep my business up in running I will call my county commissioner/ attorney general office in every district to help me resolve this issue I did nothing wrong. PayPal Reference ID : XXXX

Company response to consumer: Closed with explanation