vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
For 2 years experian representatives fighting lowering my score Also my checking account hooked up to my XXXX account who also had a contract with experian credit bureau. Money missing from my checking account for 2 years until I filled complaint with experian. This is My first month XXXX checking statement that are checking account reflected are normal spending. For 2 years extra money has been withdrawn and no strange charges to identify where money is going from my checking account. Said checking account with XXXX  XXXX XXXX has been XXXX over are normal spending amount. This began after a fight with experian representative. I want the money stollen from me back for 2 years

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 2020-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
This is a continued complaint from me from prior incident with usaa. My checking account was hooked up with usaa and XXXX  to make direct payments on my credit card since XXXX with representative XXXX my account has been over are normal expenditures for 2 years I want the money taken from my checking account back. It amounts to an outrageous amount since argument with rep. 2 or more years of stealing from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
This issue is more related to my inability to get a refund on an airline ticket I purchased through my Capital One Mastercard for flights XXXX  ( XXXX XXXX ) cancelled in late XX/XX/2020. Per DOT regulations, XXXX must refund the airline tickets when they cancel a flight. This refund must be processed within seven business days. It has been 50 days since the flights were cancelled. XXXX  will not refund the charges for a flight they cancelled. It is a little under {$1000.00}. I am not getting any traction with the airline. I suspect they are delaying due to cash flow issues as they recently filed for bankruptcy. Debtor 's counsel is XXXX XXXX. I've attempted to resolve this issue with XXXX 's customer service email address, their XXXX page, and contacting their senior leadership, all without success. 

My desire is to get a refund of the purchase price. Tickets purchased in XX/XX/2020. 
Flights were supposed to occur in XX/XX/2020. 

Any assistance you can provide securing a refund from XXXX is appreciated. 
I can provide ticket numbers, my travel agency, the official DOT complaint I submitted, emails I sent to XXXX 's CEO, COO, and CFO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05 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: Advantage Auto Sales, Inc.
State: IL

Complaint narrative:
The problem is XXXX  is still reporting this Incorrect & unverified account on my report. I sent multiple letters stating this account if incorrect & unverifiable, they never sent proof on how they verified the 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
Consumer complaint received 2020-07-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The problem is Equifax is still reporting this Incorrect & unverified account on my report. I sent multiple letters stating this account if incorrect & unverifiable, they never sent proof on how they verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am applying for a COVID-19 Relief Pennsylvania Statewide Small Business Assistance grant. In the process of " linking '' the bank ( XXXX XXXX  XXXX XXXX ) to which the application is submitted, I supplied information about my account so that the grant, if supplied, could be directly deposited to my PNC account. A message came up that claimed that PNC has altered their practices, that at least for now, preclude direct deposit funds. It was recommended that I note this problem so that the complaint may hasten the resolution of this issue so that it may corrected. 
This notification occurred today, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a service member and a XXXX XXXX XXXX. I have problems with my accounts having large transactions wired. I worked so hard to earn where I am in my financial status having fair share of the economy, personal hardships and XXXX. All of my financial reports has problems with Identity theft, account data breaches and security problems with online bank accounts etc. I have invested on my XXXX XXXX XXXX. which has been fortunately international company now. I have bank accounts all over, including off shore accounts. Bank of America closed my account, reported my information to XXXX XXXX   for fraud supposedly. I have done XXXX  wire transactions with the bank and I maintain the account on good standing. 
Military, civilian, taking care of my family, work, I have been blessed to come to this life. I have been fraudulently, treated unfair and have been discriminated by Bank of America and XXXX XXXX. One transaction for example would be a {$900000.00} wire transfer didn't clear with Bank of America. It was a XXXX  income, transactions from my XXXX   international and domestic. Basically they closed my account and was discriminated being a young XXXX, I have XXXX XXXX   XXXX. I have all of my life together but sudden unfortunate events took place at once. All my informations regarding my financial status has been compromised by being affected thru cyber awareness identity theft, my documents lost and my life took another turn with having to be diagnose with XXXX XXXX. I want my money bank from Bank Of America and XXXX. All my informations were taken from me regarding my financial history. It has been years since I took a risk on this XXXX  Accounts and lost large amount. I didn't get any more explanations from Bank of America for I know the money is kept by them. Please help me get my life back all together you can save my humanity from finance first and then whatever comes after. God bless.

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 2020-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have 4credit cards issued by CITI. In the months of XXXX through XXXX they dropped all credit limits on three of the cards and I expect the 4th one to drop next. Although my credit card useage is high, prior to the decreases about 38 %. It is now over 50. I have dramatically cut card useage down since XXXX when I no longer had to pay medical expenses accrued during XXXX XXXX  I was being treated for with no insurance. I had one card with them which was a balance transfer option and I paid down some of my cards with it. I have impeccable payment history and have not gone into collections for medical  bills. I have never missed a payment nor been late and even during COVID made my payments while on job attached unemployment. I have not missed work even through XXXX  although I cut down on hours when feeling XXXX  from side effects. I went back to work quickly against doctors wishes when I had XXXX. I feel that destroying my credit rating by one bank that holds a monopoly of different credit cards is not correct. This bank has brought my credit score down by 42 points in three months and has put my credit with my other cards at risk. I am not a risk and have worked to ensure all payments are made on time and in full. I am a XXXX  and I pay more when I can but always minimum due. Last month I paid over 500 of balances down which does not seem like a lot but it was an accomplishment. I more than qualify for chapter XXXX bankruptcy, but it is not an option as I am a responsible consumer. I have reached out and was told they reviewed my credit report and decided this was my punishment for using credit cards. I was told that with my permission prior to XX/XX/XXXX they woul re~review my credit report, which is now down 42 points and because of their direct interference my credit useage has jumped up. Their decision will not change and will then add an inquiry. I was notified via letter that the decision was not based on credit company information when in fact it was. I did not know a review of my credit file was used. I am nervous about the effect this is going to have on my purchase of a mobile home with my daughter. This is a lot of power that one entity has over one person. I feel that the freedom of these types of actions should be monitored. This a very common occurrence with this bank especially as I have been studying complaints with XXXX. I understand the need to make changes but not on that many accounts in such a short period of time.

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 2020-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
This complaint is related to previous complaints that I submitted to the CFPB on XX/XX/XXXX ( Complaint # XXXX ) and on XX/XX/XXXX ( Complaint # XXXX ). 

After I submitted the first complaint, the company, Specialized Loan Servicing ( SLS ) replied with an unacceptable response and failed to correct the problem that it created. CFPB suggested that I submit a second complaint, so I did so on XX/XX/XXXX. I am waiting to receive a response from SLs regarding my second complaint. 

On XX/XX/XXXX, I contacted SLS directly regarding a notice that I received from the company dated XX/XX/XXXX. The notice was a Notice of Default and Notice of Intent to Foreclose. According to the notice, my mortgage is in arrears. That statement is incorrect. I have never been 30-days past due on my mortgage. 

When I contacted SLS on XX/XX/XXXX, I spoke with a representative named XXXX in the Escalation Department at ( XXXX ) XXXX. After reviewing my account, XXXX confirmed that an escrow account for my hazard insurance was created for me in error by Specialized Loan Servicing and that a portion of my XX/XX/XXXX mortgage payment was applied to that escrow account, thereby reducing the mortgage payment that I made in XXXX. My XX/XX/XXXX payment was then placed in suspense because the remaining funds of my mortgage payment could not be applied. The same processing error occurred again in XXXX of XXXX, when I made my usual, ( and correct ), mortgage payment. The representative acknowledged that I am not in default of my mortgage and that Specialized Loan Servicing will need to remove the escrow account that it created in error and reverse any payments and charges that were erroneously applied by SLS, so that my XXXX and XX/XX/XXXX mortgage payments can be correctly applied. The representative could not give me a date by which SLS would correct its error on my mortgage account. 

When speaking with the Escalation Department representative, XXXX, I requested that SLS provide me with written confirmation that 1 ) The escrow account has been closed and that all fees and payments have been reversed and that 2 ) The foreclosure notice has been invalidated. 

The Escalation Department representative stated that the written confirmation that I requested is not normal procedure for SLS, so I would need to write the company directly to specifically request such written confirmation. For this reason, I am filing this new complaint to request CFPB 's assistance in obtaining the requested written confirmations from Specialized Loan Servicing as soon as possible.

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 2020-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: NC

Complaint narrative:
There are 2 medical collection accounts that were placed on my credit report as of XX/XX/2020. These items were placed on my report without due process ... process to include being notified and given the opportunity to request validation of the alleged debt. 

They allowed me the legal right to request or dispute this information, they just ruined my credit instead. Which is highly embarrassing. I am very distressed that an agency would have included this derogatory information in my credit profile due to its damaging effects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Mr XXXX from AmeriSave Mortgage has mislead me. The website said there was not application fee. I told them I was retired and on limited income. This was not a problem when they took my {$500.00}. Now they say they need employment verification. I have sent them the stuff and they keep asking for it over. XXXX XXXX in the XXXX office never responded to my emails. The original mortgage rate has changed and I am still waiting. It appears that because I am retired this is now an issue. I have been employed part time. Their story keeps changing. I feel like they took advantage of me when I asked why it said no application fee on the web site and I was being charged an application fee Oh you will get that money back then it was you will get it back when the mortgage is finalized. This has been going on since XX/XX/2020 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi I am writing this complaint against Experian and XXXX. Experian and XXXX  both said they verified a Fraudulent XXXX XXXX collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from experian and XXXX. 
I have also attached my ID so Experian cant falsely say I hired someone to dispute these for me. 

I also want Experian to know I have filed a complaint with the Attorney General Office and my next step is litigation

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 2020-07-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
See attatched XXXX Credit Reports Equifax & XXXX  Account NOTE XXXX  XXXX opened *XX/XX/XXXX ( partial account ) # IS IN TRUTH account # XXXX see attatched XXXX date XXXX 1099-C CANCELLATION OF DEBT on a VISA/MSTR Debt. All Visa 's begin with the number ( 4 ). See attatched EQUIFAX XXXX Credit Reports. NOTE account XXXX a mastercard number ( 5 ) account opened XX/XX/XXXX IS IN TRUTH see 1099-C account MSTR/VISA DEBT XXXX CANCELLED DEBT XX/XX/XXXX. The XXXX accounts XXXX & XXXX ( BOTH WERE CANCELLATION DEBT XX/XX/XXXX account XXXX ). Both XXXX  & Equifax " VERIFIED '' accounts are ID Theft case XXXX. HOW COULD THEY BE VERIFIED? XXXX  & Equifax & XXXX are in violation of FCRA Federal Laws.  SECTION 611 & SECTION 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See attatched XXXX Credit Reports XXXX  & Experian Account NOTE EXPERIAN XXXX opened *XX/XX/XXXX ( partial account ) # IS IN TRUTH account # XXXX see attatched XXXX date XXXX XXXX CANCELLATION OF DEBT on a VISA/MSTR Debt. All Visa 's begin with the number ( 4 ). See attatched XXXX  XXXX Credit Reports. NOTE account XXXX a mastercard number ( 5 ) account opened XX/XX/XXXX IS IN TRUTH see 1099-C account MSTR/VISA DEBT XXXX CANCELLED DEBT XX/XX/XXXX. The XXXX accounts XXXX & XXXX ( BOTH WERE CANCELLATION DEBT XX/XX/XXXX account XXXX ). Both Experian & XXXX  " VERIFIED '' accounts are ID Theft case XXXX. HOW COULD THEY BE VERIFIED? Experian & XXXX & XXXX are in violation of FCRA Federal Laws. SECTION 611 & SECTION 609.

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