vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 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: TN

Complaint narrative:
Im filing a complaint about Transunions failure to investigate and remove incorrect information after they incorrectly merged someone elses name and address into my credit profile at the request of XXXX XXXX XXXX. I have a subscription to Transunion monitoring and I called Transunion in XX/XX/2021 about duplicate accounts & incorrect information on my profile. The transunion representative said I had two profiles with different names and addresses. Instead of deleting the the wrong profile with the incorrect name and address Transunion merged someone elses profile into mine changing my name and listing me at an address that has never belonged to me. 
Ive never reported the address XXXX nor used or changed my last name. All Transunion had to do was look in my credit history and see that I have never used an address at XXXX or used the name XXXX or XXXX. My last name is not XXXX nor am I man. This persons name and address have been merged to my report and Im now being harassed by XXXX XXXX posing as a government health agency in attempt to collect my personal identifying information to collect a debt that belongs to a XXXX XXXX. As a result I have have had to file a complaint against XXXX XXXX XXXX for attempting to collect a debt for impersonation, deception, and false misrepresentation with both the CFPB and the FTC. As of today the debt for {$430.00} from XXXX XXXX XXXX is no longer reporting on Transunions monitoring site but Transunion sent me my credit report last week in the name of XXXX XXXX and reporting XXXX as my previous address. The collection along with everything reported by XXXX XXXX including the additional name and address is false & needs to be removed from my credit report and profile.

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 2021-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs bank has locked me out of my on line access for over a week and they advise that it will take another week for them to correct their technical issues. 

The alternative is calling them which is a nightmare of trying to convince a robot to allow you to talk to a human that can help.

I can understand an occasional outage of minutes or hours, but two weeks? I have reduced confidence in their risk management abilities if they can not keep their systems up and running.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
My current mortgage loan is a hard money, 2-year term, 12.99 % interest only loan. The term expired XX/XX/21, and I have been trying to refinance this loan into a conventional mortgage with no luck. I applied with Amerisave at the end of XXXX, we went through the whole process, and were ready to close on XX/XX/XXXX. The day before, the underwriters suddenly decided they needed information on the current lender, which I gave them. They've been asking for more and more information, which I have given them, but they still have yet to approve my loan, despite the fact I have proven to them that I can pay the mortgage I am requesting from them ( about half of what I have currently been paying ), and I have shown them that I fulfilled all the terms of the current loan agreement, except for paying off the balloon payment, which I obviously can't do until I refinance the loan.

I believe that the information Amerisave 's underwriters continue to request is excessive and unnecessary, and I expressed my frustration to the XXXX. He agreed with me that it seemed unfair, and he mentioned that they had treated other clients like this, even encouraging clients to not make mortgage payments, etc. 

In my opinion, I have given them the information they need to approve this loan, and I don't understand why they are stalling and not allowing this loan to close. They are spending way too much time focusing on the hard money loan that is done now and ready to be paid off, but I can't do it while they continue to come up with things to delay the closing. It seems to me at this point they are just creating reasons not to close this loan, even though I have given them everything they have asked for. 

What I would like is to for CFPB to push Amerisave to go ahead and approve this mortgage so I can pay off the loan that expired 4 months ago and move forward with my life. We were supposed to close weeks ago, and I have given them the information they requested. There is no need for further delays on this.

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 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have contacted Transworld Systems Inc. several times to get the alleged XXXX account validated. This account is {$380.00} and I was never sent proper information to validate this alleged account. My last certified request for validation letter was sent XX/XX/21. This last request was never responded to. Because Transworld Systems failed to respond, this account must now be removed from all credit reporting agencies. Ive attached 2 different certified and return receipts but Ive contacted this company more than that. This negative invalidated collection account has prevented me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I XXXX XXXX XXXX, Consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit for the full amount of {$82000.00} by CAPITAL ONE AUTO FINANCE , INC. I was notified of this transgression of my rights, specifically- 15 usc 1601- The Truth In Lending Act by CAPITAL ONE AUTO FINANCE, INC Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21! According to 15 USC 1605- The sum of all charges are included in the finance charge & The finance charge does not include charges of a type payable in a comparable cash transaction. I was told by XXXX XXXX & CAPITAL ONE AUTO FINANCE , INC that I had to put a downpayment down for {$38000.00} for the credit transaction to be approved when Im fact cash transactions arent included in finance charge. According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE AUTO FINANCE, INC Adverse action taken against me denying my rights of which Criminal damages pursuant to 15 USC 1611 ( 1 ) ( 3 ) are to be fined not more than {$5000.00} or imprisoned not more than one year, or both. CAPITAL ONE AUTO FINANCE, INC is now criminal liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
We completed a HELOC transaction with XXXX XXXX on XX/XX/2021 and the money was received the morning of XX/XX/2021 by USAA Federal Savings Bank. The money has NOT been deposited into my USAA Checking account as of close of business on XX/XX/2021. XXXX XXXX, the lending agency provided confirmation that the transaction processed and the money was received by USAA on XX/XX/2021. 

On XX/XX/2021, I contacted the wire department at USAA and spoke with representative, XXXX who confirmed the deposit was received on XX/XX/2021 and that USAA was experiencing a technical problem with processing. They were aware of the issue and currently resolving the problem. He then proceeded to assure me the funds would be available by XXXX XXXX on XX/XX/2021. At XXXX, there was no deposit. The funds were received over 36 hrs ago as confirmed by both the sender and USAA representative, XXXX. 

At XXXX XXXX, I contacted USAA Customer Service. I was informed the wire department was gone for the day. I politely asked to speak to a supervisor in hopes of elevating the issue and ensuring the case was documented. No supervisor was available. All I could speak to was an executive resolution specialist, XXXX could not provide any indication if/when the funds would be posted. She also explained that there were no supervisors available ( she inferred a supervisor might be able to access more information to explain why this was occurred ). 

I'm sorry, this is unacceptable. {$77000.00} is a lot of money and not being deposited in a timely manner is not in accordance with standard practices/regulations. USAA is a major financial institution and has mishandled this transaction in a gross and unacceptable manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/21 I deposited a gift from a family member, Chase Bank placed a hold on the deposit. This would be fine but they have additionally froze my account. This is my only bank account. All my paychecks bonuses and money are in the account. 

I am unable to pay my rent, buy food for my family or pay essential bills. I called chase on XX/XX/21 requesting we discuss resolutions, I was told that the only option was for me and the maker of the check to both present ourselves to a bank teller at a branch with two forms of ID. Before I got this answer however I was hung up on 3 times, and spent over 5 hours in hold. I asked the bank what branches would be open or where we could do this, they were unable to promise me where I can make an appointment or when I could meet with someone. 

I offered to have Chase Bank to speak with the maker on the phone and they refused. I asked that they verify with XXXX XXXX, they said that was against their policy. I spoke with XXXX XXXX representatives who indicated they would gladly work with Chase. They told me they had transferred all funds to Chase Bank already. This was bad enough that the representative as XXXX XXXX also indicated she would be filing a complaint. 

I attempted to explain to the bank that they were literally holding all of my assets and I needed some of my money. The bank refused to offer any other solution or to work with me. They said they would unfreeze my account in 10 days. By that time I will be facing potential eviction, damage to my credit score, fees with credit card companys, additional interest on loans and late payment fees. 

I am at a loss for what else to do, the bank essentially took all my families money and left us to starve for 10 days over the holidays. Keeping funds unrelated to check deposit frozen because it is their policy. 

To me this seems like theft, and I am left without anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: IL

Complaint narrative:
XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with XXXX, Transunion, and XXXX, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, Transunion, and XXXX to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by XXXX, Transunion, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.

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 2021-12-31 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: IL

Complaint narrative:
XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with XXXX, XXXX, and Experian, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and Experian to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by XXXX, XXXX, and Experian that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.

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 2021-12-31 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: IL

Complaint narrative:
XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and Experian XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and Experian to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and Experian that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.

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 2021-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I began the process of filing for a HELOC with PNC bank in XXXX of 2021 after being referred to a lending agent there. The majority of the process flowed relatively smoothly until the appraisal which was a drive by rather than an actual walk-thru. The appraiser valued my home at roughly {$80000.00} less than its current value. This would have been insignificant, but its being used as a tactic to force me into a higher interest rate loan. I had the former listing agent for the home provide current comps as well as a professional opinion of the current value of the home based on his expertise in the housing market. PNC refused these comps and a walk-thru appraisal even though their appraiser used comps that were nearly two years old and did not enter my home. I have had to submit additional comps today showing that my home is valued anywhere from $ XXXX {$90000.00} more than they have appraised it at and been further delayed while they make a decision on whether or not they will complete a valid appraisal. 

This is frustrating not only in that they are trying to force me to pay a significantly higher rate due to their failure to act in good faith but also in that they have delayed my kitchen remodel and put me at risk of having the price of it increase due to timing delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: IL

Complaint narrative:
XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX Transunion XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, Transunion, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, Transunion, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.

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 2021-12-31 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: IL

Complaint narrative:
XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with Equifax XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MD

Complaint narrative:
I do not own any credit cards and have not opened a credit card in 10 years. This account is fraudulent and does not belong to me. Please stop contacting me as I do not own a credit card and havent owned one in 10 years.

Company response to consumer: Closed with non-monetary relief