vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: VA

Complaint narrative:
This complaint follows and complaints numbers ; XXXX, XXXX andXXXX. The complaints are all related to the same loan and are hereby incorporated by reference. This will be my final complaint filed with the CFPB regarding this matter but it an important because it underscores the issue set forth in my initial complaint. 

The issue from the outset has been a lack of transparency and honesty by representatives of the American Advisors Group regarding the basis for the denial of a reverse mortgage loan my wife and I applied for in XXXX of XXXX. Since we had never been denied a mortgage loan in our 45 years of marriage, had credit scores over XXXX and a net worth more than three times the amount of the loan we requested we were taken by surprise. In  XXXX of XXXX I wrote a letter to the CEO of AAG stating my concern that someone in the process may have seen our drivers licenses, that were collected during the process, and decided they did not want my wife and I to get the loan because of our race. Next came a call from an attorney for AAG, XXXX XXXX and a conference call with three AAG employees for the stated purpose of explaining why the loan was not approved. Then came the series of CFFB complaints and replies from AAGs XXXX XXXX, Complaint Resolution Manager.

Mr. XXXX role has been simply that of a gatekeeper who denies or rephrases every issue with the hope that the complainant will simply go away. While this will be my last CFPB complaint on this matter it is not because I am going away. I will be filing a HUD complaint as a prerequisite to Federal Court filing, which I have one year from the time of the incident to file. I do not believe I will be able to get answers to from AAG without the legal discovery process.

The only reason I filed this final CFPB complaint is to put into the record that AAG has made yet another claim that is not true. Mr. XXXX claims that a copy of the XX/XX/XXXX Statement of Credit Denial,  termination or Changesent on XXXXwas delivered to your residence on XX/XX/XXXX at XXXX XXXX. I am attaching to the complaint an Affidavit signed by me, under penalty of perjury, stating that no such letter was included in that mailing. This is a critical document because it will officially establish AAGs basis for the denial of the loan. 

As I have noted in my previous complaints, my wife and I have yet to receive written notice that the loan was denied and why. AAG has asserted that HUD guidelines prevented them from approving the loan. If this is so they should simply cite the relevant rules. As I have said from the outset, my only concern is determine if discretionary decision were influence by illegal discrimination.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is misusing my credit information. He works for Experian he is not allowing me to speak with a manager. He is refusing to allow me to speak with the manager. He is providing my information to third parties.

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 2019-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: SC

Complaint narrative:
My husband is a vet and we currently have a VA loan with Guild Mortgage, I am a XXXX XXXX XXXX XXXX and XXXX, and use Guild as my preferred lender. Not anymore!! When my husband bought our house in XX/XX/2017, he had 60 days to claim the property as his primary residency. He unfortunately did not to this, which has most recently caused us to be in a different tax bracket. We have rectified the situation with our local Tax Assessors office and gotten our mortgage company what they need. We were told that we had to make our XXXX payment which was {$1300.00} and we did. Our normal payment is {$750.00}. Guild informed us that our information was being sent over to the tax department to be re-analyzed. This was sent to them on XX/XX/XXXX. My husband and I have been calling and checking in with Guild to find out where they are in the process and what needs to happen to put us back to our normal payment of {$750.00}. We were told that they are waiting on the refund from our local Tax Assessors office before they can modify the monthly payment back. Upon calling our Tax Assessors office, we found that they mailed the escrow refund to Guild Mortgage on XX/XX/XXXX. Last week my husband called to check in and was informed that they are still waiting on the escrow refund. We recently received our statement in the mail claiming we owe Guild over a grand for the month of XXXX. Guild has been sitting on this escrow refund for over 2 weeks, and has yet to re-analyze our payment. We have never been late on a payment and always make the correct amount requested. Every time my husband and I call Guild we are told different things by different people. No one seems to know their head from a hole in the ground there. We feel like we are being drug through the mud, once we figured out the problem at the beginning of XXXX we did all the means to rectify the problem to become a solution. I can not say the same for Guild Mortgage. It is a shame that good customers are treated so poorly, we completely understand that Guild Mortgage footed the payment and wanted to be paid back, which they now have. We also understand that this problem would of never happened my husband would of claimed our home as his primary residency. We are simply just trying to get our monthly payment back to the amount it should be so we aren't forced to make payments that we cant afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: GA

Complaint narrative:
I received a payoff quote from Avant good through XX/XX/XXXX ( attached ) for {$7300.00}. I mailed a check for that amount, which was posted on XX/XX/XXXX. Avant states that I have still have a balance due. I have made multiple attempts to resolve via email and telephone ; including their resolutions team.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2019 XXXX XXXX for XXXX XXXX pulled my credit file.I have alerts set up on my file, and receive automatic alerts when something changes. I already have a credit card account with XXXX XXXX in good standing and I just paid it off so I contacted XXXX XXXX  to ask why they pulled my credit? They could not give me a valid reason for having pulled my credit without my consent. I would like the hard inquiry removed from my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I paid my XXXX XXXX credit card bill in full for XXXX on XX/XX/XXXX. On XX/XX/XXXX I attempted to charge XXXX on my card and was denied several times even though my credit line is XXXX and my balance is only 2000. They deducted the payment from my bank on XX/XX/XXXX and told me they were holding my payment for 7 days and would not release my credit line until 7 business days after my payment posted even though the payment cleared my bank.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on 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 explanation
Consumer complaint received 2019-04-10 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: AL

Complaint narrative:
Contacted XXXX & EXPERIAN multiple times regarding items on my credit report ( bankruptcy ) that does not belong to me. They claim that they verified the information with a third party and confirmed it belongs to me. I contacted the court in person and was told that they don't provide any information to a third party and there was no record of any inquiries from the credit bureaus concerning me. It's almost like anyone can randomly call the credit bureaus or send them a file about a person and they don't verify but just add the information to the credit file. The court provided me with a letter stating the facts. I provided the letter to XXXX/Experian and they reinvestigated. They now claim that the information was confirmed by the third party again. I even contacted the third party again ( XXXX ) and was told that no one had verified verify with them.

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 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I previously filed a complaint with the CFRB ( id # : XXXX ). Your site says the complaint is closed because the company responded to me. The company did respond by sending me a letter dated XX/XX/2019 stating that will need 1 to 2 billing cycles before they can respond. I then received a call on XX/XX/2019 from someone who was unable to be heard during some of the voice message left. He called from XXXX XXXX XXXX XXXX which is listed on Internet SPAM/SCAM sites as a marketing number for Synchrony Bank and GE Credit. The caller left a call-back number of XXXX XXXX XXXX XXXX extension XXXX XXXX " in case I had any questions. '' I did call back and was placed into marketing loop cycle where the only option was to be registered for some sort of security health alert system. Also the paperwork that came with the new credit card ( received XX/XX/2019 ) stated I would be receiving a paper account on the replacement account in 2 to 3 weeks. I have yet to receive that statement or any other paperwork from this bank or any of its subsidiaries.

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 2019-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA has put my account in a fraud restrictive because of elder abuse. I am not being abused and when I called in they wanted for me to give them the loans that I have applied for. I couldn't remember of the bat because I have a head cold. But I won't to put them here to, car loan, installment loan, credit card and a secure card. It has been only me that USAA has been talking to. I gave them my new phone number of XXXX. But they kept calling my old phone number I had on file. I was able to verify all the information but because of the recent loans i applied for that I couldn't remember I have to wait to call back 24-48 hours because of their review. USAA attempted to call me before they put in a fraud status but they were calling my old number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
30 days ago I sent a dispute letter to ENHANCED RECOVERY COMPANY asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
They call from an " Unknown '' number multiple times a day, every day. Sometimes even on Sundays and After 9pm and before 9am sometimes. When I talked to them about it the girl on the phone was extremely rude and kept saying she didn't know what I was talking about and would interrupt me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
The debt is a collection agency claiming they have a debt from XXXX. This is not true and I have disputed this multiple times with the collection agency and the bureaus. This is directly affecting my ability to get approved for a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
Company called from XXXX. Claiming to be XXXX  XXXX XXXX. Caller was rude, put me on hold intentionally when I tried to give the proper information. They stated I was named in a complaint and will Be filing legal action if I did not pay now. They said it was An XXXX XXXX card also known by household bank HSBC. I tried to advise them this account was included and that the orginal creditor was notified of Chapter XXXX bankruptcy what was filed, accepted and XXXX in 2011. Making the debt uncollectible, as well as being outside of any statue of limitations. They are not accepting of the information and are telling me I must send them information. They are clearly in violation of the fair debt collection act on numerous things here ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX Should have a balance of zero this was included in my bankruptcy 7 I've tried everything to have them to update it that won't I told them to look at previous reports to see it was on there but they refuse to

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 2019-04-10 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: CA

Complaint narrative:
two fraud accounts have been reporting on my equifax credit reporting agency, i have been disputing these two accounts, but they have not been helpful at all, these were disputed few times, XXXX  and XXXX have removed these inaccuracies, but equifax is unwilling t do so and they are not cooperating. one is a XXXX XXXX XXXX account and the other one is XXXX. 
i have already sent them police report and FTC report showing that i had been a victim of ID theft, but they have been playing me around and not placing correct disputes. it has been almost a year and very stressful and uncomfortable year. please have these two accounts removed from equifax reporting. 
thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I believe I was deceived by Navient with repayment of my student loans, specifically private loans. I have notes of some of my struggle with Navient. My struggles started around XXXX when Navient was still XXXX XXXX. I was trying to find a way to get into a manageable payment plan and was directed into paying for a forbearance a couple of times ; I believe I paid {$50.00} the first time and then another was {$150.00}. I was then put in a payment plan. However, when Navient took over my payments they started to misapply the payment and some loans that were originally in the payment plan were no longer included. I have first names, specific dates, and some details of my contacts with Navient. I also have notes that some of my payments were misapplied. There's also an instance in XX/XX/2017 where payments were deducted from my bank account incorrectly which incurred overdraft fees. While Navient reversed these charges, they did not refund the overdraft fees that resulted in their mistake, despite the proof I sent them. I believe I was mislead and misinformed regarding my payment options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on 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 explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I, went directly to the Wells Fargo facility in XXXX Ca, XXXX XXXX XXXX back in XX/XX/XXXX to close a safety deposit box. I closed it at the back teller station, while conducting a banking transaction. I opened the safety deposit box in XX/XX/XXXX or XX/XX/XXXX, when I was in the XXXX XXXX. Unknown to me the safety deposit box is still in my name and funds are in automated payment status from my checking account. 
In XX/XX/XXXX, I went back to the aboveforemention site and explain to them, that I do not possess any key nor have I conducted any access to a safety box that I closed in XX/XX/XXXX. I asked the customer service to provide me any documentation to show that I have been accessing the safety box. Ms. XXXX produced the initial contract, which consist of one paper. I asked her again is there any other documentation, she stated no and referred me to the bank manager Ms. XXXX. 
Ms. XXXX informed me at the time that unforuntately they can only go back seven years I asked her in the seven years does the safety deposit box log show any access. I stated to closed the box. Ms. XXXX stated since I have no key, that they would have to call a locksmith. XXXX staff stated they would reverse the payment, which they did of {$45.00} and only reimburse me for seven years. I told them I await the proper protocol of reimbursing my funds from XX/XX/XXXX-XX/XX/XXXX. I'm still waiting for XXXX to call me and yes Wells Fargo continues to not be truthful with customers. Fast forward the safety deposit is not closed, the payment still being deducted from my checking account. How ironic I called XX/XX/XXXX after dealing with my persistent calls they produced a paper that shows no signature and no key returned. Wells Fargo is definitely not trust worthy in the public eye, its evident from past practices in this matter. Closed the safety deposit box and get my name off that box and stop taking my funds from my checking 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 non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Recovery Solutions, LLC
State: CA

Complaint narrative:
A person ( s ) has been contacting my daughter and saying their is a court matter that I need to address. I tried calling the number today with the " case '' number and I was given no information without offering sensitive information like my birthdate and social security number. The lady " XXXX XXXX '' said I called yesterday and said I wasn't me and said I was a liar. No such event happened. I would like whoever this is to please stop contacting my family.

Company response to consumer: Untimely response