vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Around XX/XX/XXXX my HELOC with USAA disappeared from my online banking account. I called USAA and they stated that they were working on rectifying this issue because bankruptcy laws have changed. I informed them that my Ch XXXX was discharged 10 years prior and I was never late on my HELOC. In fact, I had paid down approximately XXXX $ regardless of the fact that it was an interest-only loan. I did not receive any paperwork or any phone calls. I called the bankruptcy department many times and they could not give me any information. In fact, their answers to my question were quite cryptic. I did request a lien release and they put the work order in but said I would have to call back in 2-3 weeks to find out the results. This back and forth has been going on since my first phone call to them. 

I have been attempting to refinance my property to a fixed rate and now I am held up by USAA because they refuse to release the lien. Again, when I called the bankruptcy department XX/XX/XXXX they could not give me any information except that the results of the last inquiry resulted in a refusal to release the lien. The person on the phone said she could not give me any further information because it has to be formally requested by another department. She could not even provide me with the account number. And, again, I have received no information about what is going on. 

My credit report shows that the account is closed with a XXXX  balance and no derogatory history. Yet USAA will not release the lien or give me any explanation for anything. This is 11 years after my CH XXXX. I was holding up my end of the bargain and was NEVER behind on my first or second mortgage. USAA never attempted to negotiate my term and closed my account without explanation. Again, it is not derogatory on my credit report. In fact, it shows a XXXX balance but they will not remove the lien and say I owe them money but no one can tell me anything further. 

I have no documentation besides my credit report and the proof that they were on my schedule D for CH in XXXX. As previously stated, USAA has removed all evidence of the HELOC and has not provided us with any paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I am on XXXX XXXX military XXXX  and sent in documentation to Harley-Davidson Financial Services on XX/XX/2019. They have not yet honored my SCRA Benefits request. This is the second time I have issues with this company not honoring XXXX  military XXXX and failing to implement SCRA benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I refinance my home with PHH mortgage and it impossible to reach them either by phone or online. They never answer their phone I stay waiting up to one hour and a half. The menu in the phone is not true, they never transfer you to a live person. 
I been trying to register to see my statements and the system don't let you. I wrote to them about not receiving my statement an they never answer. 
They force you to pass the due date and the only way to pay is to this application they have called doxo or used a pay system I been paying XXXX dollars since. And now in my new bill I own them XXXX dollars for late payment, its a mess. 
PHH Mortgage Corp. has agreed to pay {$45.00} XXXX to resolve claims that it improperly serviced thousands of single-family residential mortgages. You can see in the internet all kind of complaints like this one : The PHH Mortgage lawsuit was brought by the attorneys general of 49 states and the District of Columbia over allegations that the New Jersey-based mortgage servicer violated the federal Consumer Financial Protection Act and the consumer protection laws of several states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has allowed numerous fraudulent applications to be submitted in my name which ultimately resulted in Fraudulent Credit Cards being opened with the bank that I didn't receive nor authorize. 

There was a double cash card that was reported to the bank as Identity theft, I did not open this card in 2018. This was also reported to the credit bureaus and citibank did nothing about it. 
Secondly there was an AADvantage Platinum Mastercard that was opened in 2018. Not only was this opened fraudulently and not authorized, Citibank was also advised of this and had an Identity Theft case opened on this card and nothing was done to resolve this. They attempt to say that I owe them a balance of {$12000.00} which I do not because this account was opened from a thief and I never received it. 
I have not opened any credit cards with citibank and the payments that were made to the cards were also fraudulent from a bank account opened by the thief. 

I only have a few accounts with citibank and these are Lines of Credit. I do not have any credit cards with citibank and I did not submit multiple applications. Yet, any time I do actually even think about attempting to apply for a card I am told I can't because not only do those fraudulent cards impact my internal citi relationship, they also sent me letters advising they were identity theft and never did anything about it. So not only does it discriminate and not let me apply for anything because they flagged multiple applications it also has a bad internal risk score because of the fraud.

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 2019-07-18 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: NJ

Complaint narrative:
XXXX wont remove inquires that they confirmed they deleted from my credit file the disputes were filed on XX/XX/2019 and wrapped up on XX/XX/2019 confirmation number of XXXX but the items still havent been removed also they are reporting 3 fraudulent accounts from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and they arent sending the data to the companies I just started they are using XXXX XXXX system and reporting these accounts that are fraudulent I will sue XXXX also Experian is reporting a XXXX  account on my file and I do have a police report this is not my 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 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
I made a purchase on XX/XX/19 at XXXX XXXX for {XXXX}. Checked my account balance at an ATM at a branch the following day XX/XX/19. I had a available balance of {XXXX} I withdrew {XXXX}. On that day I used my card at the laundry mat for {XXXX}. I knew I had to cover that {XXXX} the following day. The following day I went to the branch to deposit {XXXX} and saw that my bank account was overdrawn for the XXXX XXXX transaction, the laundry mat and an overdraft fee of {$36.00}. I asked a Teller at the branch to waive the fee and she stated the over draft was in pending status. That I had to wait for the following day until the overdraft hit my account. I was informed by the teller that I needed to contact the XXXX location branch regarding the overdraft fee. I contacted XXXX who is the XXXX XXXX at the XXXX location. He did not bother reviewing the account and stated that it was not a bank error and was not going to reverse the fees. As by this time I already accrued XXXX overdraft fees.

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 2019-07-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Integrity Financial Corp. DBA US Loan Servicing
State: NV

Complaint narrative:
I am tryig to pay this loa off, they have added over {$30000.00} to the payoff. the principal plus {$30000.00}. I have tried to work with them o lowering the amout

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass continues to send all of these letters to the fraudulent address and continues to try and collect on fraudulent debts that I do not authorize. Let me address this again as the previously reported fraudulent accounts BBVA Compass did not address nor do they care that I am a victim of identity theft. I did not authorize BBVA Compass to open ANY accounts in my name using fraudulent information. BBVA Compass opened several fraudulent checking accounts, I count 3. They then overdraft these checking accounts which again I don't have access to and then try and charge ME for fraudulent accounts I didn't authorize. They also opened 2 fraudulent savings accounts. They opened 3 FRAUDULENT CREDIT Cards. They allowed this thief to use my identification and information without even verifying it wasn't me to open credit accounts in my name without my permission. Not only did they not follow the proper FCRA Procedures for the Fraudulent credit cards, They didn't follow the law. On my Credit report I have a Extended Fraud Alert which stipulates I must be contacted first, before opening or approving any accounts. BBVA never contacted me, never sent me any documentation on this, never sent me any cards yet assume I should pay for fraudulent debts that were occurred as a result of a thief. I have not opened any accounts with BBVA Compass, I am a victim of identity theft and I did not authorize them to open any accounts in my name. Please review the proper FCRA laws and go over these to see where you messed up. I am a victim and I want you to clear my name of said fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a victim of unauthorize XXXX money transfer from Chase checking account, I called the bank the instant I found out my money is transfer without my permission. The bank freezes my account to investigate and I went to the bench and opened a new account. Today My new account was empty out due to Chase debt collector to pay for my fraud account that was been reversal due to chase Fraud department cant find any reason the transaction was fraudulent. I complaint to the manager at the fraud department and unable to assist me, she says there is nothing she can do for me. 

Fraud account ( XXXX1 ) Fraudulent transaction : XX/XX/19 XXXX to XXXX XXXX {$1300.00}. 
XXXX to XXXX XXXX {$500.00}. 
XX/XX/19 XXXX to XXXX XXXX {$1200.00}. 
XXXX to XXXX XXXX {$610.00}. 

Reversal transaction : XX/XX/19 XXXX to XXXX XXXX {$1300.00}. 
XXXX to XXXX XXXX {$500.00}. 
XX/XX/19 Chase debt Collection took money out of my current account ( XXXX ) to pay for reversal {$1900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18 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: PA

Complaint narrative:
It is nearly impossible to speak to a live person when calling Experian. The customer service options are terrible, they ask to verify your SSN and address then give you 1 of 2 options, none of which refer you to an actual person! It is unbelievable. I tried to log in online today and it's making me get a text or call for " verification '' before I can access my account, but when I click to receive a text or call, i get an 'oops ' error message and referred to the number to call. This is insane, I can not believe I can ; t get to a person. I need to know something on my report considering I can not see it online and there is NO ONE to help me at Experian. It is business hours. I have tried over and over again and selected every option, even trying to get through to the fraud dept out of desperation. This should not be allowed! They must make it easier for consumers to get in touch 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 non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bison Recovery Group, Inc.
State: MD

Complaint narrative:
XXXX XXXX of the Bison Group has called my cellphone incesstantly multiple times over the course of the last 3 weeks. Today, I was notified by my sister that he has begun to call her phone numerous times attempting to reach me. She is not responsible for me and should not be contacted for any reason. I am unsure as to what he told her but she told me that he sounded serious. This leaves me to assume information may have been disclosed that should not have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against Citi for pulling my credit report without authorization. I never authorized them to access my XXXX report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. I contacted them at the address listed on my XXXX credit report twice. They ignored the first letter and sent me a form response so I wrote a very detailed 2nd letter and sent the form response they sent me back to them via certified mail requesting them to remove the unauthorized inquiries as they did not have permissible purpose under the Fair Credit Reporting Act as I did not apply for credit. Instead of reading my complaint and responding as asked I simply got a form letter saying the inquires were legitimate but not providing the requested documentation proving that these were in fact authorized so a police report could be filed. Therefore, I am requesting you to require Citi to delete these inquiries from my XXXX report that I did not authorize. I have attached my XXXX report for reference. 

Thanks for you help in this matter, XXXX XXXX XXXX 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 2019-07-18 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: MS

Complaint narrative:
I recently reached out to the credit bureaus asking them to verify my bankruptcy. They sent me results saying verified but the did not verify it properly. The law states that bureaus must verify bankruptcy information from the original furnisher, which is the bankruptcy. I have a letter from the court house stating that they don't share information with credit bureaus. Therefore the credit bureaus are in violation of the law. Also the results state that the got the information from XXXX XXXX which is a third party which is another violation. I put a freeze on my XXXX XXXX profile before I asked them to verify my bankruptcy. There the credit bureaus lied and are in complete violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a creditor on my credit report, XXXX  Bank that is reporting current late payments. I have not made a payment on this account since XX/XX/2013. I have disputed it with Experian for a second time with no resolve. I do not wish to open up a new last date of activity. I would like XXXX   Bank to remove any late payments since XX/XX/2013. As a matter of fact, I would like the account removed completely from my account because they are continuously reporting inaccurate payment information in an effort to start the date of last activity over. I would like this done from Experian, XXXX and 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 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paramount Recovery Systems, L.P.
State: AL

Complaint narrative:
In XX/XX/XXXX, I went to hospital emergency. After visit, due to my financial situation ( I was unemployed ), I filed for indigency. The hospital wrote off their portion ( attached proof ), and I also have a confirmation number written on bottom of hospital bill that XX/XX/XXXXwas going to follow hospital indigency application ( all bills follow indigency applications ) and write off their amount due. This confirmation number is written on hospital bill I have attached.

For some reason, florida emergency continues to send it to collections and it has been reported to my credit report on XX/XX/XXXX, XX/XX/XXXX ( proof attached ), XX/XX/XXXX and XX/XX/XXXX. I have successfully had this disputed from my report except fro XX/XX/XXXX when I depended on an experien employee and that was my mistake. XX/XX/XXXX collection fromXX/XX/XXXX thru paramount recovery remians on my report due to experiens negligence. I have disputed this again.

More issues with this are that : amount is incorrect and has been since beginning ( see attached proof ). This bill is from XX/XX/XXXX and therefore is too old to be on my credit report ( again and again ). Paramount recovery is fraudulent in stating that open date for this bill is XX/XX/XXXX. It is XX/XX/XXXX.

I have also included a word document that states these items and was used for XX/XX/XXXX dispute to experian.

I want paramount recovery to stop seeking collection and have it removed from my report.

I want florida emergency to STOP sending it for collection since it is fromXX/XX/XXXX.

I want experian to be more aware and watchful of items that come onto my report and see that if it has rightfully been written off before, it should not appear on my report to start with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
In reference to file # XXXX in the matter of Santander Consumer USA Inc. 
I am an Affected Consumer in this Consent Order and need to know the status in which Santander sent or plan to send me check and apply a statement credit to my account. 

I contacted Santander on Tuesday, XXXX XXXX and on Wednesday, XX/XX/2019 requesting information regarding this and was told they were not aware of the Consent Order and that there is no one within their organization that could assist me and was unable to provide me with any other contact phone numbers. 

I believe I have the right know if Santander is following up on the stipulations order by the court and what the timeline is. 

In the meantime, their fraudulent activities has case undue stress not to mention the negative impact on my credit report. 

Please provide me with information on this matter including any further steps I can take as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: AES/PHEAA
State: TX

Complaint narrative:
As of XX/XX/XXXX Fed Loan Servicing updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) Fed Loan Servicing is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

Fed Loan Servicing has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.

Company response to consumer: Closed with non-monetary relief