vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I contacted USAA savings credit card and I explain to them Ive never been in a military and I didnt open up a credit card in my name and someone stolen my information and open up a credit card with a XXXX limit and they refused to shut it down for fraud and take it off my credit report and told me I failed the verification and I need to call back and try again and its XXXX and I need to have this account taking off my credit report and they use my address and my phone Number and I didnt apply for this credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
My loan was sold and is now being serviced by Fay servicing. I was sent a bill where my mortgage went up {$160.00} a month and they claim its due to escrow shortage. My payment was and has been for a long time XXXX the only increase would be in tax increase, Fay servicing changed my payment to XXXX and says its due to escrow shortage. They are requiring XXXX in escrow. I have asked them to send me documents on this and they havent sent me anything. I was not late in my escrow payments and I was Current on all my payments. I told them I lost my job in XXXX and I simply cant afford it. I dont understand why they require more escrow than any other mortgage company or service lender. This is consumer exploitation and they arent providing any documents to justify their decision of 2 months escrow. I never signed any paperwork agreeing to their terms or given the choice to have another lender service my loan. This is unscrupulous practices and deceiving to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IA

Complaint narrative:
I recently tried to close my escrow account with my new mortgage provider PNC Bank because they want to raise my escrow payment over $ XXXX/mo because they keep a 2 month " cushion '' as opposed to just 1 month which is all my previous provider required. They approved my request to close the escrow, but are now wanting to charge me {$530.00} for an escrow account closure fee. Their explanation for this fee is that I waived it when I originally closed on the home, 4 or 5 years ago, and now they have to charge me for it. After finally speaking to someone in the escalation dept.of PNC, they explained this fee is on my closing disclosure and an explanation is given that I am waiving it. After going over my paperwork and the closing disclosure, there is NO explanation whatsoever of an escrow cancellation fee. It is listed on there, with no amount or explanation. I have attached a copy of the escrow portion of my closing disclosure. 
Also, not one time did the customer service representatives I spoke to mention that there is, or potentially can be, a fee for cancelling escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Back in XXXX I got a phone call from my credit card company telling me that someone I don't know who was using my credit card!! 
so my personal information was stolen I don't know who or how long long this going on? but trying to fix the problem with the Bank. I, supposed to have 60-day with the investigation.

my credit card got replaced New one with XXXX balance XXXX. no fun in my new credit card. 
what happened a week later I got a lert in my credit report it was some changing in my credit report, Synchrony has ADD all the debt from a stolen credit card do the new credit card. so they actually didn't do anything to protect me* so their request in order demanding for me to pay the total balance XXXX, they increase the payment I have extra charging for something I didn't do it was stolen from me. don't want to delete this XXXX account. and gave me a fresh start. Every institution Bank credit car has insurance to protect them selft. the insurance then self every time if something like that happened. but No '' they want me to pay the total balance I demand them to delete the old stolen credit card to -0. and give me a new fresh start I'm at XXXX XXXX XXXX. Helder-in-due-course. I can negotiate with them but they consider me no one.

I did make it copy of my private security agreement with my trademark copyright with New York filing ucc-1.

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 2019-11-06 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: TX

Complaint narrative:
File a dispute with Equifax in regards to by bankruptcy that listed an incorrect court address and date reported. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX when it actually XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX They came back claiming it verified, but have not correct the issue at hand, I sent in additional request for method of verification as well as removal. 

Not correcting date reported : It XX/XX/2017 rather than XX/XX/2017 Please see attach Equfiax Report Not from the original furnisher itself, and given past court cases in this regard has proven not be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: TN

Complaint narrative:
I have borrowed {$3100.00} from Rise Credit but have paid back to date {$8600.00}. However, my balance showing on their web page is still {$1400.00} as of today XX/XX/XXXX. I sent them an e-mail about this today but I don't expect them to budge as they never have before. 

After I made the first few payments to Rise I asked what their interest rate was since my payments were going up each month and they quoted 198 percent. If that is so, how could I still owe them {$1400.00}. That interest rate is extremely high. Rise did not inform me of this interest rate at the beginning of the loan. 

As a widow since XXXX with XXXX children to raise and educate, this has had a terrible impact on my finances. 

Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and submitted documentation to XXXX about account ENHANCED RECOVERY CO XXXX {$0.00}. The account was blocked and removed from my credit file only to report again with a remark " Account information disputed by consumer, meets FCRA requirements ''. Enhanced Recovery Co or XXXX has not provided the documents and other evidence to disregard my identity theft report. 

If Enhanced Recovery Co can not provide original documentation of when where and how this account was opened. This account should be removed immediately. If account has not been removed from my credit file I will sue both XXXX & Enhanced Recovery Co in small claims court for FCRA violations and punitive damage. 

I demand that XXXX & Enhanced Recovery Co send all documentation they used to verify account XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I filed a dispute for a collection I noticed on my credit report. The estimated date for completion of that dispute was XX/XX/2019 and as of this day, XX/XX/2019, I still have not heard anything or received any results. I would like this negative listing taken off 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 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc.
State: IL

Complaint narrative:
I have an XXXX with Illinois Highway. My XXXX is connected to my bank. When my account gets low they draft. This is a collection from a debt collector for {$220.00} for Illinois State Toll Highway Authority. I want them stopped because this is NOT a debt I owe and I am reaching out for the number of people who fall for this scam. The collection comany is Professional Account Management , LLC, XXXX XXXX XXXX, XXXX, WI XXXX. The number to call is XXXX. The web address is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Authorized a check by phone but they took two checks out of my account. But one was authorized in one when it's not. The bank said since it was authorized once they can't do anything about it. The institution that took the check would not refund it. So a overdraft charge was charged twice because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
After obtaining the loan I had issues arise that caused me to change bank accounts. I have not yet faxed ( as that is the required method per the customer service rep ) my new banking information in. Last month I called and set up a payment to be processed and at that time asked that for any collection activity on my account they do not contact me on my work number. 

This morning I received a phone call from the collection department coming from the number XXXX XXXX XXXX XXXX XXXX on my work number. When speaking with them they stated that there were not any notes on the account indicating that I had asked for my work number not to be contacted, even though the last time I spoke with them they said they notated the account. At the start of the call they state that this is an attempt from a debt collector to collect a debt. This statement binds them to the FDCPA, which contacting me at work after I asked them not to is a violation. 

A second issue has occurred as well. When I viewed my loan online to set up an arrangement for payment I am provided with a link to use. Using that link requires a creation of an account, which I went through the first process of. Within two hours of going through that process I began receiving spam emails, texts, and phone calls. A total of 6 calls on Monday and 6 calls on Tuesday. Either my information has been sold or there is a sever data breach on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 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: SC

Complaint narrative:
I am a victim of identity theft and submitted documentation to TransUnion about account XXXX XXXX XXXX   XXXX. The account was blocked and removed from my credit file only to report again with a remark " Account information disputed by consumer, meets FCRA requirements ''. XXXX XXXX XXXX or TransUnion has not provided the documents and other evidence to disregard my identity theft report. If XXXX XXXX XXXX can not provide original documentation of when where and how this account was opened. This account should be removed immediately. If account has not been removed from my credit file I will sue both TransUnion XXXX XXXX XXXX XXXX in small claims court for FCRA violations and punitive damage. I demand that TransUnion XXXX XXXX XXXX XXXX send all documentation they used to verify account 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 2019-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: KS

Complaint narrative:
I had originally applied for a refinance with Amerisave mortgage corporation on XX/XX/2019. This refinance was denied. I was texted by representative from the company on XX/XX/2019 stating that he felt horrible about loan not getting approved and had escalated the review of file and has approval from his team to close the loan the way we set it up initially. This was going to be a quick approval and that all I needed to do is sign the new disclosures. No appraisal would be required as initial appraisal would work since it was done with prior loan application. I was in the process of working with another lender and stopped that process as I was assured this was a " sure thing ''. The refinance application was submitted on XX/XX/2019and I was assured I would not take more than a couple weeks. I was given initial set of disclosures with a closing cost of {$8600.00} on an {$160000.00} loan. This is well above the average closing costs for a home loan of this amount. Then on XX/XX/2019 I was given another disclosure where the closing costs had shot up to {$10.00}, XXXX dollars making the loan amount now {$160000.00} dollars. The VA denied the loan based off of the points and recoup. I have read several reviews on this company and have found countless people that have been put in the same situation as I am currently in. This company is making false statements in order to get people to invest money and time with them only to be denied. The XXXX loan denial I was ok with as sometimes the numbers just do not meet up. The XXXX denial where I was assured it was a sure deal is false and malicious in nature and companies should not be able to conduct themselves in this manner. I have communication from the company and its representatives that states it was approved, that I would be more than happy to share. This has delayed my process with another company that I have worked with in the past and put my family in a bad financial spot as I was told to skip a mortgage payment as this one would close before it was do. This company can not continue to do this to people.

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 2019-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I had XXXX XXXX account. I would notify of frauds-bank would never process FRAUDS OR credit Frauds and XXXX XXXX closed my account by messenger at XXXX XXXX AT NIGHT.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: GA

Complaint narrative:
I notified money network card services of charges that were not mine they did an investigation and they informed me that the company for the charges gave my name and address. But when asked what name and address the company gave card services stated my name and my new address. But my new address was not my address when my card was used. So I sent two emails trying to get card services to revisit my case but I keep getting the run around. I spoke to several reps who said my email was recieved and I have to give the dispute department 90 days to make a decision but I can call every week for updates. OnXX/XX/2019 I was informed no emails have been recieved. So now they want me to submit another email but with all the false information how will I really know someone is working on my dispute for real. The card services also closed my case with their so called finding. I need to know that someone is looking into my request that I did not give permission to use my card for a purchase at 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 2019-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have existing Checking / Savings Accounts with Wells Fargo Bank. Approximately 30 days ago I received a Rollover Roth IRA from a former employer and brought the required paperwork to a Personal Banker in the Wells Fargo XXXX in XXXX XXXX, California. It was apparent that he was inexperienced because he sent the wrong paperwork to XXXX XXXX, holder of the funds to be rolled over and a week later I had to resend the paperwork myself. After another two weeks of chaos and confusion on the part of Wells Fargo, I finally received the rollover check in the amount of {$810.00}. I contacted Wells Fargo Bank and was advised to " overnight '' the check to the XXXX, NC address Attn : IRA Processing. I XXXX Priority Mail " overnighted '' the check to Wells Fargo on Thursday XX/XX/XXXX. I checked the track and confirmed that delivery was attempted on Friday XX/XX/XXXX, Saturday XX/XX/XXXX and then the check was delivered and signed for by XXXX at Wells Fargo at the NC address on Monday XX/XX/XXXX. Today, Wednesday XX/XX/XXXX, I contacted Wells Fargo Bank and inquired the status of the check and was advised that the delivery was not in the system. Another " ticket '' was generated and Wells Fargo advised that I should call back at the end of the week.

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 2019-11-06 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: SC

Complaint narrative:
I notified Equifax by mail that account XXXX   XXXX {$3500.00} is a fraudulent account and stems from identity theft. I submitted a fcra 605 ( b ) letter requesting the account be blocked and removed from my credit file. Along with the letter was the id theft report. I did not receive communication from Equifax notifying me that the block request under fcra 605 ( b ) was not honored and stating a reason why. Equifax then placed a fraudulent account under regular dispute. 

This fraudulent account should be removed from my credit file due to not notifying me in writing within the time frame under fcra 605 ( b ) if a block and deletion of this account was rejected. If this account is still on my credit file from 7 business days of Equifax responding from this complaint. I will sue Equifax in small claims court for fcra 605 ( b ) violation and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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