vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
I tried to open a account with USAA a few years and discovered that I have a account opened in my name with a negative balance which I did not open. I have spoke with there fraud Department several time to conduct investigations with no results at all. I have reported them to the CFPB three times also and still nothing. I have reported them to identify theft. gov and they replied that they declined to provide me with the information based on FCRA section 609 ( e ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
In accordance with federal law and my mortgage loan contract, I have the ability and right to make my mortgage payment without penalty on or before the XXXX of each month. 

Cross-country mortgage intentionally limits my rights, and profits themselves by limiting the date of my scheduled monthly auto-draft payment to not later than the XXXX of each month. 

This harms me and other borrowers while the mortgage company holds onto our money for 10 extra days before remitting it to XXXX, XXXX, etc ... 

My only alternative is to risk fraud, theft, or loss by manually sending in a check each month or using my billpay service to do the same. However, that incurs an additional cost. 

I desire the CFPB to investigate this blatantly unlawful practice and force changed behavior. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Payoff check was sent on XX/XX/2020 and received by Ally Financial at XXXX XXXX XXXX XXXX Ky XXXX on XX/XX/XXXX at XXXX XXXX. 
A Certified Return Receipt mail was used to track the check. Tracking number XXXX. An Official Bank Cashier 's Check made payable to Ally I/A/O {$46000.00} was sent for full payoff and extra per diem. 
Ally is threatening to repossess this vehicle and claims to not have received the above- mentioned Cashier 's Check. The return receipt shows a signature of a XXXX XXXX. Proof of this delivery and image of the signature was provided to Ally on XX/XX/XXXX at XXXX via Ally fax number XXXX. 
There have been three attempts to communicate and ask Ally to locate this check which was duly delivered to them on XX/XX/XXXX. We are asking for government help in stopping a large corporation from hurting the credit and unlawful repossession of this XXXX XXXX XXXX XXXX. 
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 2021-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to XXXX, XXXX XXXX XXXX, XXXX, and TransUnion LLC. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).

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 2021-01-04 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: NJ

Complaint narrative:
Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to Experian, XXXX XXXX XXXX, XXXX, and XXXX XXXX. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).

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 2021-01-04 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX ( Paid in full ) {$0.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$3600.00} XXXX XXXX XXXX XXXX ( Never Late ) {$0.00} XXXX XXXX ( Paid in full & confirmed ) {$460.00} XXXX XXXX XXXX XXXX. ( Paid in full & confirmed ) {$160.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$170.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$830.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I used my Macy 's American Express credit card to pay for a cruise with XXXX XXXX XXXX. Due to the pandemic, I could could not cruise on XX/XX/XXXX as scheduled. I tested positive for the XXXX XXXX on XX/XX/XXXX which I contracted at my job working at XXXX. My section commanding officer died of XXXX XXXX as well as my coworker. Thankfully I lived. The cruise was cancelled regardless. 
I complained to Macy 's American Express that I did not want to pay the {$2400.00} charged to my card by XXXX XXXX XXXX. Macy 's American Express sided with XXXX XXXX XXXX and refused to credit back to my card the {$2400.00}. The reason I am told is that XXXX XXXX XXXX is willing to provide me with a credit one year from the cancelled cruise to use toward a future cruise. This is a ridiculous position for Macy 's American Express to take. I use my Macy 's American Express because of their advertised benefits of protecting their customers. I am being asked to pay for a future cruise now, during a pandemic, instead of receiving a full credit to my card. I do not even know if XXXX XXXX XXXX will be in business in the future. I do not know how, I am suppose to actually go on a cruise in XXXX based on the current outbreak of COVID cases in NY. Yet, I must pay Macy 's American Express their money. Macy 's American Express should be telling XXXX XXXX line that the consumer should not bear the cost of a future hypothetical cruise at the present 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 non-monetary relief
Consumer complaint received 2021-01-04 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: NY

Complaint narrative:
After reviewing my credit report I noticed that an account that was removed is still being shown on the transunion and XXXX  credit companies. It was removed from XXXX as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.

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 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2020 I purchased a used RV from a private party who had it financed through Bank of America. To date I have been unable to register and use it because Bank of America will not release the title to my financial institution despite acknowledging that it has been paid off and they no longer hold any interest in it. Bank of America will not communicate to me about this because I was not their customer. They wont communicate with the seller because their account has been paid off and closed. They have been contacted numerous times by my bank who paid off their lien and still will not release the title. I have confirmed with the California Department of Motor Vehicles that Bank of America does still hold the title at this time. 

The VIN # of the vehivle is 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 non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a prepaid account with capitol one at the end on XX/XX/2020, I deposited XXXX $ to open this account. once I started using the card they restricted my account saying it was flagged as possible fraud. I was only using the card daily for gas smokes food etc ... also I was in the process of moving so used to buy things for new place. so I contacted them and finally was able to send them a picture of my bank account statement that showed account number full name and showed the deposit to them in my posted transactions. they reactivated my account and not even a week later they restricted it again, so I called and they wanted me to send them a bunch of documents to prove I was me most of which I don't have as I just moved and have to get new documents so I finally told them to close the account and send my deposit back after getting no where with them as I wasn't about to just leave my account suspended. I was told that it would take two to three months to process and o would then receive my deposit back, which is a long time to wait. it has been four months now and they still haven't processed it and refuse to manually process and send the check to the address they have on file with them unless I send them documents that I don't currently have or way to send them the documentation of the stuff I do have. they pulled the XXXX out of my account of XX/XX/XXXX so for four months now my money has been floating around. I want to know where my money is and why they have refused to release the funds to the address they have on file for me, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
A certified letter was sent asking to validate my with Southwest Credit, they failed to do so. I do not owe Southwest Credit, nor do they have any contractual agreement for payment from me the debtor specifically. Therefore, they must remove such inaccurate and negative information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
I Would like to formally file a complaint against a my mortgage servicing Company, due to the current events created by COVID-19 There is two individuals name XXXX XXXX office manager in the XXXX office along with an Asset manager name XXXX XXXX, i have been dealing with them via email mostly XXXX XXXX as the manager XXXX XXXX avoids me discriminates against me when I call and always use the word investor and constantly put pressure that they cant help me. 

they forced me to send my money for my medicine and hospital visits to them with pressure tactics never speak to me they say I yell wont talk on the phone. they sent me a letter advising they will raise my mortgage payments effective XX/XX/2021 due to an escrow analysis i advised them i cant pay a XXXX more than i am already. they still don't care to help. 

The payments for XXXX and XXXX have been sent how ever they still don't care that I am doing all i can to pay on time. 

This company doesn't care for anyone effected by this whole pandemic thing. the company name SN SERVICING CORPORATION XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am in the process of refinancing my current home mortgage loan through XXXX XXXX XXXX XXXX. My current mortgage lender recently notified me of some disturbingly inconsistent news. 
They referenced a cancellation of Debt, which took place on XX/XX/XXXX, in the amount of {$160000.00}, which exceeded our principal balance of {$69000.00} that also included a secondary mortgage totaling {$11000.00}. We received the confirmation per the IRS explaining that the Debt was canceled on behalf of the mortgage company Ocwen Loan Servicing LLC. 
I contacted Ocwen to obtain clarification and guidance on how I should proceed with my mortgage payments. I was told that I did not receive credit for the cancellation of Debt for {$160000.00}. The only applicable credit was from the HAMP incentive program totaling {$5000.00}. I then continued making my monthly mortgage payments to Ocwen Loan Servicing LLC. 
On XX/XX/XXXX of XXXX, my mortgage loan was transferred from XXXX XXXX XXXX, previously known as ( Option One Mortgage ) to Ocwen Loan Servicing LLC. I had been with XXXX XXXX since the year XXXX and had a long-standing history. Before this transfer, my mortgage was under a HAMP Modification, which I received loan forgiveness leaving me with a principal balance of {$59000.00} and a deferment of {$10000.00}. 
Ocwen Loan Servicing LLC later became PHH Mortgage and XXXX XXXX ( my current Mortgage Loan provider ) for which I am beyond dissatisfied. Before XX/XX/XXXX, in the wake of the COVID Pandemic, I had been making my monthly mortgage payments faithfully. Due to the pandemic, I was forced to place my mortgage loan in deferment. While on deferment, I began exploring other options, which leads me to where I am today. I need to understand precisely where I stand as it relates to my total payoff balance. I need to be provided with the exact dollar amount. 
Thank You in advance for your urgent attention regarding this matter. 
Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
When I log into the Chase.com website to make a payment and I dont have a payment due yet, it will not let me make a payment on one account at all. On the other account it would only let me make the minimum payment amount and not more so I end up paying more interest. I have 2 different accounts with Chase. One is closed and I am making payments to pay it off. The other one is open and it wont let me make a payment. I spoke to 2 different people today and the second one said that she knows that lots of people are having this problem and the solution is to make the minimum payment and then pay more a second time. But I dont have a minimum payment due so I cant make any payments at all. So if I have to wait until a minimum payment is due then it costs me more interest. The woman said that she will file a complaint with Chase but she also said that she has seen this problem for the last several months. Is this a scheme of Chases to get more interest out of their customers? They dont seem to interested in solving the problem since the woman I spoke to said she has been having this complaint for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Please review Exhibits A, B, C, D, E, F New discovery In violations pursuant to 24 CFR 203.295 XX/XX/XXXX XXXX Mortgagee Letter XXXX and also review updated payments status

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Persolve, LLC - Legal - Series 2
State: MD

Complaint narrative:
The Company Persolve , LLC illegally obtained a copy of my credit file in an attempt to collect on a debt not owed. This company did not have permissible purposes and authorization was NEVER given. This is illegal per the FCRA and the FDCPA acts.

The debt this company is attempting to collect is listed by another Credit Reporting Agency under a DIFFERENT Debt collector. This proves that this is not a valid legal debt owed to Persolve , LLC. This is illegal per the FCDPA act. 

This is a zombie debt that is parked on my account, that the company continues to report inaccurate information regarding this debt/ The company constantly increases the amount owed each month and RE AGING the debt each time I dispute it. This is inaccurate reporting and is illegal per the FDCPA act. 

This company also continues to contact me at my workplace using numbers from international companies after I verbally requested to cease communicating with me. This is illegal per the FDCPA act. 

This company also continues to report this debt on my credit files after officially disputing the account. This is illegal per the FCRA. 

Several attempts to seek legal validation of this debt resulted failed delivery and a return of certified mail ( Attached ). Ultimately, receipt of my dispute was received The company replied with sending personally identifiable information in the regular mail, documents that included my Social security number, non public information ) placing my identity at risk. Attached is a copy of the letter that accompanied my personal information that I received. This does not prove the validity of my debt. 

I request this company remove this illegal listing from my credit file, never to relist again.

Company response to consumer: Closed with explanation