vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 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: HI

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XX/XX/2019, PennyMac was contacted regarding the VA 's approval for my Veteran ex-husband to take over the loan for a previous joint loan we secured on our main home. This was a court ordered agreement that he would retauin the home and through the VA process, securing the loan in his own name. PennyMac was provided with all approval documents in XX/XX/2019 and has failed to process the loan in 6 months. They have been called multiple times over the six months and have refused to do anything to investigate or expedite the processing of this loan, removing my name and placing the loan in the name of my Veteran ex-dusand, who now holds the title to the property per a court order. 

My social security number XXXX The property is at XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My Grandmas savings account has been on an XXXX hold since XX/XX/2019. Today has been 92 days. They have overdrawn her account -XXXX We have called numerous times, we have gone to the branch numerous of times and have only been told the account is under investigation and there is NOTHING we can do but to sit and wait. Well bills don't wait, and this has caused my Grandma to get a lien on her home, and to be evicted from the group home she is staying in, which is almost making her homeless, did I mention she is XXXX years old? This has harmed her health, because she is completely frightened by this. She gets her social security deposited in her savings account, which is her income and they have not let her access it. I have even brought in bills proving she is behind and if they would just allow her to directly pay her bills, but no, nothing. 
This is a nightmare, and Bank Of America has done this to numerous of customers and I don't believe this ethical, nor legal. I believe everyone has a right to at least know, what is going on with their own money.

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 2019-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-09-05 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: EQUIFAX, INC.
State: HI

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a chase quickpay payment through XXXX on XX/XX/2019 for the amount of {$2000.00} to my non-chase account ( XXXX ). I entered my information correctly and have made several successful transfers in the past. However, this transfer was unsuccessful and the amount was taken out of my chase account, but never reached my XXXX account. I called XXXX and they said that the transaction failed and the bank should return the money to my chase account. I called chase and was told that the delivery was successful and was deposited to the recipient ( me ) which is not true. Even on my XXXX accounts activity, there is no record of this transaction. I do not know who to believe and neither side will give me any documentation in writing of what is going on. I was wrongly charged {$2000.00} for a failed payment and the worst part is that I have no idea where the money is and both parties are blaming each other without providing solutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union has been notified on multiple occasions that there are 2 Credit Cards, and a Membership a savings and checking in which was opened in my name with Stolen Identification, After my wallet was stolen and the thief used the stolen identification online using a fraudulent address, To open a Fraudulent membership and credit cards. Online. Navy Federal Confirmed that these three accounts all had been opened online. This includes a Checking and Savings and 2 Credit Cards. Navy Federal when I call in refuses to assist me with this matter, and stated they have investigated and that I authorized the accounts, in which I didn't and that they have verified these. First of all you have to have family members in the military or have a spouse in the military to join. All of which I do not. Secondly, My Identification was stolen when my wallet was stolen. I notified the Credit Bureaus as soon as I could when I saw these fraudulent accounts. Navy Federal never called to clear the Extended Fraud Alerts on my credit bureau reports, before allowing the membership or accounts to be opened. They sent the cards to a fraudulent address, I never received any account documentation on these accounts either. They use the terms " our member '' when they are responding to complaints. They refuse to follow the law and investigate the fraud. I never authorized these accounts to be opened, I never received any account documentation. Your agents advised me these accounts were all opened online. Which again, I did not authorize. Navy Federal allowed a thief to open accounts and then accuse me of opening accounts that I didn't open nor receive. I am attaching a Valid FTC Affidavit. To this complaint. I want Navy Federal to immediately resolve the issues, as Identity theft is not a laughing matter. I believe Navy Federal takes this as a joke. I am a victim of a crime. I have not ever signed anything for your bank, I did not authorize any accounts to be opened. I will continue to report these accounts to the credit bureaus as Identity theft, because these are UNAUTHORIZED and opened from a thief. Please follow proper laws and investigate the actual crime. I am not your member, and I do not wish to be referred to as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
We set up homeowner 's insurance through USAA on our new home in XX/XX/XXXX via phone with a representative. After calling back multiple times, speaking with multiple representatives due to the premium seeming high, we finally set it up because we trusted USAA. USAA appointed an inspector to come out and look at the house in XX/XX/XXXX to ensure we had the appropriate coverages. We were never notified of the outcome of the inspection. Fast forward to XX/XX/XXXX, upon refinancing our home, it was brought to our attention our insurance premium seemed very high. We went to another insurance agency for a quote, with the same coverages, and were quoted a significantly lower rate -- - because the dwelling coverage on our USAA policy was literally double what it needed to be. When I called USAA to cancel our policy, the representative informed me of the same- that our dwelling coverage was way too high, and that she could get us a lower rate than what we'd been paying. She also informed us a letter had been sent out informing us that our dwelling coverage should have been lower per the USAA appointed inspection report and that this letter was emailed to us on XX/XX/XXXX. I looked through all of our emails and documents on USAA.COM, but this letter she spoke of was absolutely nowhere to be found. Therefore, I requested a refund for what we had been overpaying for 15 months, as we were never notified or provided the opportunity to lower our coverage based upon the inspector recommendation/findings. The representative stated she would forward the request to her manager and get back to me the next day. Unfortunately, the representative got back to me and essentially stated that we would not be receiving a refund because it was our fault the premium was made too high in the first place and maintained that the letter was sent out to my husband 's email, even though there is no record of this letter anywhere else. We were never informed of the findings of the USAA appointed inspection and therefore it was unbeknown to us that we even had an option to lower our premium. After being USAA members for 11+ years, we have never experienced anything like this from USAA- it is so disappointing. The lack of integrity, unwillingness, and unreasonability has heavily tainted our views of USAA and we intend to take our business elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Penny Mac had my mortgage, but sold it on to XXXX in XX/XX/XXXX. 

I spoke to XXXX XXXX in XX/XX/XXXX. 
She says that Penny Mack had taken > {$5000.00} for flood insurance in XX/XX/XXXX and for Lender Placed Insurance in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX. Both over {$9000.00} each. 

I have faxed over proof that I had flood insurance. 

I had insurance thorough my agent XXXX XXXX with XXXX   XXXX and we had to switch insurance to XXXX XXXX as XXXX  pulled out of insuring Florida. 

Penny Mack chose to not pay my insurance company and instead imposed their Lender Placed Insurance at triple what I should have been paying. I have given my Insurance company 's telephone number and proof that they had sent the request. 
They have not contacted them. 

I have faxed various letters, spoke to various people and had a few calls saying that they would sort it out. Then it becomes another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I made a XXXX XXXX payment through zelle on XX/XX/2019 for the amount of {$2000.00} to my non-XXXX account ( XXXX ). I entered my information correctly and have made several successful transfers in the past. However, this transfer was unsuccessful and the amount was taken out of my XXXX account, but never reached my XXXX account. I called Zelle and they said that the transaction failed and the bank should return the money to my XXXX account. I called XXXX and was told that the delivery was successful and was deposited to the recipient ( me ) which is not true. Even on my zelle  accounts activity, there is no record of this transaction. I do not know who to believe and neither side will give me any documentation in writing of what is going on. I was wrongly charged {$2000.00} for a failed payment and the worst part is that I have no idea where the money is and both parties are blaming each other without providing solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank continues to turn me down for credit cards Tj max, Amazon, Care Credit ), when giving a reason it says either open bankruptcy or past due accounts. This is false information. Ive contacted Synchrony Bank on numerous occasions to no avail. Today I spoke with 11 people. They blame it on their computer system and fail and refuse to look at my credit bureaus and make a determination based on my score and current credit history. They refused to give me corporate headquarters information also.

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 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc.
State: OR

Complaint narrative:
I was called by Everest receievable services saying that they were collecting a debt that I had no awareness of. When I asked for more information, I had to verify my address and the last four digits of my social security. The agent then told me that I owed just over {$2000.00} from a XXXX credit account. I told the agent that I have never had a XXXX credit account and that it was not my debt. He stated that the debt was from XX/XX/2017. I again stated that the debt was not mine. He said I would have to complete a fraud form and he would send it out. Once I got off the phone with him, I immediately checked XXXX, saw that I have never opened a credit account with them, then I went to XXXX and ordered a credit report and score, the XXXX documents showed no XXXX account and nothing in collections. I am extremely concerned now that this was a scam to get my address and last four digits of my social.

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 2019-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Find it in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX {$870.00} The account was settled and paid, but this remains on my credit report as a collection. 


EASTERN ACCOUNT SYSTEM / XXXX XXXX   {$190.00} The account was paid in full, but this remains on my credit report as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Trying to reach a " LIVE PERSON '' at Experian is the WORSE!!! I have questions about Experian Boost. This is a new service they are offering to help boost a persons score using utilities as part of the consumers report. I call the non toll free and toll free numbers with everything automated. I need a LIVE PERSON to speak with.

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 2019-09-06 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV FUNDING LLC / XXXX XXXX XXXX XXXX XXXX  {$870.00} The account was settled and paid, but this remains on my credit report as a collection. 


XXXX XXXX  XXXX / XXXX XXXX   {$190.00} The account was paid in full, but this remains on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: MO

Complaint narrative:
Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; XXXX   reports collection amount as {$450.00} and XXXX reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is 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 non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened my Adv Plus Banking checking account on XX/XX/2019 and received a letter ( see attached ) dated XX/XX/2019 confirming that I will receive a bonus of {$300.00} within 60 days of meeting the requirement : set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within 90 days from account opening. I received {$2000.00} direct deposit from my employer XXXX and XXXX on XX/XX/XXXX, and another {$2000.00} on XX/XX/XXXX. I have received {$250.00} direct deposit from them every month since, with a total sum far exceeding the requirements. Again this is not an ACH, but a direct deposit. It's not XXXX and I still have not seem the bonus post.

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 2019-09-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for a home to lease for my wife and XXXX year old XXXX   XXXX. We now have to live in a hotel since XXXX, XXXX On XX/XX/XXXX the management, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, informed me that according to my credit report I was being sued by XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Lanlord at my residence in XXXX , XXXX . I was on a month to month verbal lease after leasing from him for 5 years we had decided to move to XXXX that is why we did not renew lease and went on month to month. After informing XXXX XXXX and asking for our deposit since he never sent us a termination letter. His verbal agreement stipulated that we should pay {$850.00}. or move. Since my job started in XXXX. XXXX, we went ahead and moved we believed we had duly complied with his request, Consequently we can not lease a home or apartment in XXXX, XXXX befitting for my XXXX XXXX. I am complaining about Landlord XXXX XXXX not contacting me about his intentions which is so frustrating and killing our livelihood by reporting to all three credit bureaus inaccurate information. Currently we reside in a hotel for the last two month and are having a hard time making ends meet. My family and I would appreciate a reaging since the information he has reported on credit file is inaccurate, unverifiable and was not disclosed in his oral agreement.

Company response to consumer: Closed with explanation