vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Ive filed multiple complaints against usaa from their improper handling of my auto loan. Usaa is now taking action on my checking account and putting holding on funds put into my account when I have more than enough to cover the amount in the account. Usaa has taken unfair actions against me and they need to be looked into. This is just another unfair practice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Credit Collection Services ( CCS ) is still reporting a collection owed on my credit reports even though they agreed to delete the account fully in return for a 50 % settlement. On XX/XX/2020 CCS received a certified letter including a settlement letter and check. The letter stated that in return for a settlement, CCS will delete the account fully from my credit reports. A few days later the check was cashed. They have since reported the account as paid in full, but failed to comply with the settlement agreement as stated. The account is still appearing on my credit reports where it should have been removed fully as per the agreement. I've contacted CCS about this and they have told me the account is closed and they do not do deletions. they are dishonoring their agreement. I have reviewed my credit reports today XX/XX/2020 and the account is still appearing on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I found these two charges on my accounts and reported them to PenFed ; First of all they did not process my both of the transaction only one. 

Then they made a decision via a letter without even consulting me for a rebuttal. 

They will ignore me always put me into voice mail or hang up on me and make me call back and wait hours. 

I provided them proof that I never signed up or authorized this XXXX  XXXX  membership and they still refuse to process the refunds to my account. 

I was told by XXXX XXXX that this is not a dispute and I must file a fraud claim and PenFed is not doing so. 

Good Morning XXXX XXXX, I am writing you about your decision declining my disputes ; {$320.00} XXXX/XXXX/2020 {$470.00} XX/XX/2020 From my understanding from others within Penfed you declined my dispute because of documentation you received from XXXX  XXXX  that I signed up for their XXXX  XXXX  membership. Not sure what documentation you were looking at however I received this from XXXX XXXX and think you would agree this has nothing to do with me nor did I authorize this charge on My Penfed card. Please reconsider your decision and let me know the outcome. If I need to dig deeper for you I will. This explains why I knew nothing about this order because it had nothing to do with me. 


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 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MA

Complaint narrative:
This is an Unemployment Benefit FRAUD claim XXXX XXXX/2020 I received a US Bank XXXX card from the Colorado Department of Labor . I am not a resident of Colorado. I am also employed and did NOT apply for this card. I have been trying to get intouch with the bank USBANK and there is no option for fraud to cancel the card. Voicemail options are limited and I didn't want to accidentally authorize the card. Frustrating, honeslty, that you can't speak to a person and then VM hangs up on you. 

I don't know how filing this complaint is going to help me turn this card off. 

The CFPB has given me phone numbers to call to investigate identity theft. I am doing all of that next.

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 2020-11-23 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: Nathan A Schwartz PA
State: FL

Complaint narrative:
Unsecured loan taken out by business which we paid on for years. 
Covid hit and we lost everything! now we had to file bankruptcy for the business and close it. On unemployment and Covid relief for income. 
And now the company proceeds to go after me personalty for the debt when I closed my business and I have nothing left it is not moral and is very upsetting. 
i really don't know if this will do any good but I really just needed to vent my frustration. 
Like I wanted to lose everything and now they reopened an old case to try to get money from me when again I am literally failing at all credit and get unemployment for income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At the end of XXXX 2020, I closed on a refinance, with XXXX Loans paying off my mortgage to Bank of America. Based on discussion with a XXXX  Loans representative, the payoff was made with a wire transfer on XXXX/XXXX/20, which was the agreed upon disbursement date on my Closing Disclosure. Bank of America claims they did not receive payoff funds until XX/XX/XXXX and charged me 7 days of interest ( {$460.00} ) instead of 4 days ( {$260.00} ) as I expected, based off daily interest of {$66.00}. Bank of America also did not provide confirmation that my loan was paid off with a final statement or otherwise until I specifically contacted them to request the transaction history. 

XXXX  Loans provided me the following reference numbers for the wire transfer, which they say was made on XXXX at XXXX EST : Federal Reference Number : XXXX Bank Reference Number : XXXX Bank of America was unable to confirm or provide reference numbers for the received payoff payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 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: CA

Complaint narrative:
These accounts were disputed with XXXX and Experian but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXXXXXX XXXX Balance {$740.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilXXXX XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit- Highest Balance {$1400.00} TermsNA On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} Terms24 Months

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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
This Debt appeared my personal file and i do not know of this company trying to collect, this the amount of {$580000.00}, this Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: SCA Collections, Inc.
State: GA

Complaint narrative:
I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX and XXXX. 

1 ) XXXX  XXXX  XXXX  {$990.00} 2 ) XXXX XXXX  XXXX  {$51.00} 3 ) XXXX XXXX XXXX {$2100.00} 4 ) XXXX XXXX  XXXX {$460.00} 5 ) XXXX XXXX XXXX {$610.00} 6 ) SCA COLLECTIONS XXXX  {$310.00} 7 ) SCA COLLECTIONS XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX XXXX  XXXX  {$110.00}

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 2020-11-23 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: I.C. System, Inc.
State: GA

Complaint narrative:
I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX  and XXXX. 

1 ) XXXX XXXX XXXX  {$990.00} 2 ) XXXX  XXXX XXXX {$51.00} 3 ) I.C. SYSTEM, INC {$2100.00} 4 ) XXXX XXXX  XXXX {$460.00} 5 ) XXXX XXXX XXXX {$610.00} 6 ) XXXX XXXX XXXX  {$310.00} 7 ) XXXX XXXX  XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX  XXXX  XXXX  {$110.00}

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 2020-11-23 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover receives a dispute from me two days after XX/XX/XXXX and I first told them this is straight up fraud, but their not listening at all. They refuse to close my card, and file a dispute appropriately. Then, I have to file a dispute and I knew this wasn't handled right from the beginning. Now, on XX/XX/XXXX, Discover says to me that they will just need the invoice and make things right. Then, with a follow up call today, I am told another whopper story of why their not adjusting my account from XXXX to XXXX in which this woman 's service did not add up to XXXX. I have now closed my credit card and found their is no transparency at all with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
On or about XX/XX/XXXX, I was informed that Convergent Outsourcing has been attempting to collect a debt that is not mine. I called to discuss the issue with Convergent Outsourcing, the debt collector, on XX/XX/XXXX and was informed that they have no proof or validation of this debt, but will continue to report this information on my credit report. 

I have filed an FTC Identity Theft report, which is attached hereto. 

I have been XXXX and XXXX since XXXX and I am unable to XXXX, XXXX, or XXXX  any contracts without assistance. I have attached my Indiana state ID card that shows a medical alert that I am XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: OR

Complaint narrative:
Today, XXXX/XXXX/2020, I receive an alert that my credit score tanked by XXXX  points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks XXXX points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up XXXX points. I owe XXXX and it plummets by XXXX points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXXbyEquifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: OR

Complaint narrative:
Today, XX/XX/2020, I receive an alert that my credit score tanked by 37 points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks 37 points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up 32 points. I owe XXXX and it plummets by 37 points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: IL

Complaint narrative:
I pulled my credit report and seen this account claiming i owe the amount of {$1100.00} from this company named L J ROSS ASSOCIATES, i an not aware of this company or debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EMCC Holdings, LLC
State: NY

Complaint narrative:
There is a time share reporting on my credit report. When i call to get information on it they are unable to locate by name social email or phone. Not being able to identify or resolve this account either way is hindering me from home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A late payment is reported on my credit report. WFDS had my wrong address, I wasn't receiving any mail-in statements or bills. Online website was changed and I was unable to see any payment requests.

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 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I paid off my loan in full with Specialized Loan Servicing on XX/XX/2020 from an insurance check. My house burnt down in the LNU fire in XX/XX/2020 the insurance company sent the entire insurance policy to the lender to pay off the loan. The lender was to return the remaining amount over the loan pay off the lender has not returned the money the amount due is {$860000.00}. They keep saying they send and provide the check number but it has been 62 days and no check has arrived.

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 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied for a purchase of a condo back on XX/XX/2020 with Wells Fargo, at which point my loan officer stated that I was pre-approved. After going under contract and submitting all my income and asset documentation in Wells Fargo advised that now all of a sudden their guidelines have changed and they needed more of a down payment I liquidated my stock assets to show them more funds available for me to put down and provided them with that information also. Then they sat on my loan for over 2 weeks with no updates or communication and advised me on the Day that I was supposed to close that now they are not going to be able to approve my loan. Causing me to loose XXXX in earnest money, along with the loss i took on the stock liquidation in order to show them the additional funds they requested, along with the lost appraisal fee of over XXXX. I called and made a phone complaint about this to Wells Fargo executive office, they stated my case would be assigned to someone and I would be receiving a phone call and No One ever called. I called again later after a week to check on the executive complaint status and I was passed off to a branch manager. I am now going to the CFPB so my complaint can be routed to the appropriate party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC
State: OH

Complaint narrative:
This is a follow up to complaint : XXXX The servicing company GMFS customer service has been extremely unhelpful throughout this process. My husband and I are trying to payoff his parents mortgage which is held by XXXX XXXX and serviced by GMFS. Every time we call we are getting the run around and not any guidance or ways to help. We were able to resubmit the wire since XXXX withdrew the wire due to lack of all of the information. My husband resubmitted the wire and got confirmation that it was accepted. He then called GMFS to confirm receipt and they said it could be 24-48 hours to give us any information as to if they even received the {$57000.00} in payoff. I am so frustrated with not having anyone truly help us confirm anything. 
After my calls on XX/XX/XXXX inquiring and looking for guidance which I got some rude customer service rep for the 4th time, I received a text from a XXXX which is an Arizona number right after the customer service rep ended our call. She text the words " XXXX XXXX XXXX and when I responded pretended to not know who this was. I can confirm the call center from GMFS is in Arizona. I am attaching the text and also all of the other information to the original complaint. The woman the I spoke to that I think was the name XXXX or XXXX. She would not give me her NMLS ID or last name.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received an attempt to collect a paid debt from Commonwealth Financial Systems , IncXXXX in XX/XX/2020. I then sent a certified debt validation letter to Commonwealth Financial Systems , IncXXXX in XX/XX/2020. In XX/XX/2020, Commonwealth Financial Systems , Inc. failed to provide the necessary documents that I requested in my debt validation letter.

Company response to consumer: Closed with explanation