vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched *DEBT DISCHARGED Debtor Not Liable XX/XX/XXXX USAA MASTERCARD XXXX ( * NEVER CLOSED ) See attatched XX/XX/XXXX Confirmation Settlement Letter. See attatched USAA statement Mastercard ending XXXX left owed {$100.00} ACCOUNT OPENED ( XX/XX/XXXX * OPENED WITHOUT MY PERMISSION OR AUTHORIZATION ) ( * NEVER CLOSED ). USAA coverted this into Visa XX/XX/XXXX ( * OPENED WITHOUT MY AUTHORIZATION OR PERMISSION ). ( ** NEVER CLOSED ) Current visa card ending XXXX of XX/XX/XXXX ( *NEVER OPENED WITH MY AUTHORIZATION OR PERMISSION ) See attatched FRAUD XX/XX/XXXX * NO USAA PERMANET CREDITS APPLIED. AS STATED IN LETTER OF XX/XX/XXXX. USAA HAS NEVER RESOLVED ANY OF THIS EVEN THOUGH THEY CLAIM THEY HAVE. This Visa   card I did not authorize has been fraudulent since first used XX/XX/XXXX AND IT ALL IS STILL ( CONNECTED TO ACCOUNTS NEVER CLOSED ). USAA HAS DESTROYED MY CREDIT FOR YEARS AND YEARS. NEVER ANY TRUTHFUL RESOLVE. 
I DID NOT OPEN THESE ACCOUNTS USAA HAS FAILED TO CLOSE OR THE ONE I USED XX/XX/XXXX. How are they opened without me? The same way USAA makes fraud reports I did not make? Or the SAME way USAA MAKES PAYMENTS ON THESE ACCOUNTS I NEVER OPENED AND DID NOT AUTHORIZE XX/XX/XXXX STEALING ALL MY SOCIAL SECURITY WITHOUT MY AUTHORIZATION OR PERMISSION?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: TX

Complaint narrative:
hippa violations : XXXX XXXX two account, XXXX The Fair and Accurate Credit Transactions Act of 2003 is a United States federal law, passed by the United States Congress on XX/XX/2003, and signed by President George W. Bush on XX/XX/2003, as an amendment to the Fair Credit Reporting Ac XXXX 2 XXXX XXXX accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
hippa violations : XXXX XXXX two account, XXXX The Fair and Accurate Credit Transactions Act of 2003 is a United States federal law, passed by the United States Congress on XX/XX/2003, and signed by President George W. Bush on XX/XX/2003, as an amendment to the Fair Credit Reporting Ac XXXX 2 XXXX XXXX accounts

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 2020-02-08 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: TX

Complaint narrative:
hippa violations : XXXX XXXX two account, XXXX The Fair and Accurate Credit Transactions Act of 2003 is a United States federal law, passed by the United States Congress on XX/XX/2003, and signed by President George W. Bush on XX/XX/2003, as an amendment to the Fair Credit Reporting Ac XXXX 2 XXXX XXXX accounts

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 2020-02-08 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I applied for and was approved for a XXXX XXXX XXXX XXXX through Comenity Bank in late XX/XX/2019. Right after being approved I was sent a piece or mail saying that the program has shut down and that I wont even be receiving a card for the account. I should not have a hard inquiry or a closed account for this listed on my credit reports. Its not right and should be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been trying to work with 5/3 Bank since XX/XX/2018. They really do not know what they are doing. They constantly call me and tell me one more document, one more document. Some of the documents are irrelevant. For example, I own the construction company, and they say my wife needs to sign the profit and loss when she has no ownership interest in the company at all. She just works as an employee and receives payroll. 
Real estate tax bill, when they are paying the escrow, they KNOW what the taxes are on the property Now they want my wifes paystubs and bank statements showing deposits WHEN it clearly shows on the income tax returns. I pay quarterly income taxes and do not per say issue her a paystub. This is an ENDLESS cycle. 
My mortgage is past due. I need help, not this game that they just keep calling for unneccessary paperwork and not help me. They have had all the documents for weeks, and can not make a decision. 
It is clearly evident by their requests that an inexpierenced person is working on my file, or they would not be asking for things that are NOT PERTINENT. 
It feels like they are doing everything and anything not to help or make a decision l

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KS

Complaint narrative:
On XX/XX/XXXX, I discovered that my account with my federal student loan provider - FedLoan Servicing - was simultaneously paid ahead as well as two days past due. I have never paid ahead, nor have I missed a payment, during my entire history with this company, dating back to XX/XX/XXXX. In fact, I have consistently made the minimum monthly payment as determined under the terms of my income-driven repayment plan well in advance of each month 's due date. In XX/XX/XXXX, I resumed XXXX coursework at the University of XXXX, taking six total hours of classes for the Spring XX/XX/XXXX semester. I discovered in XX/XX/XXXX that my loans had been placed in in-school deferment. I wished to continue paying as normal, so I contacted FedLoan and submitted the necessary paperwork to have the deferment removed, backdating to XX/XX/XXXX. Since that time, however, I've dealt with a series of errors, beginning with my account showing as " paid ahead '' around XX/XX/XXXX. I spoke with a loan counselor in XX/XX/XXXX to resolve the issue, and continued to make my monthly payments as usual. Since I discovered the XX/XX/XXXX error, I've spoken with at least four different loan counselors and have received varying explanations and solutions, including the following : - Loan payments were misapplied, and would need to be manually reapplied, dating back to XX/XX/XXXX ( XX/XX/XXXX ). She informed me that this process would likely take 7-10 business days. 
- In pursuit of an update on the reapplication of my payments, I spoke to a loan counselor from the PSLF program on XX/XX/XXXX. According to him, one part of the system was showing as past due, while the other was showing as paid ahead. Should be fixed as of this morning ( XX/XX/XXXX ), but will call back tomorrow if not. 
- The loan counselor I spoke to on XX/XX/XXXX - XXXX, ID # XXXX - did call back on Friday, XX/XX/XXXX, and left a voice message. However, when I called FedLoan, I spoke to a different counselor who said that only the XX/XX/XXXX payment needed to be reapplied, offering two solutions : 1 ) go ahead and pay the {$76.00} that was supposedly " past due '' - an amount that has fluctuated from day to day - or wait a month to process a reapplication of the XX/XX/XXXX loan payment. I selected the latter. 

As of Saturday, XX/XX/XXXX, it appears that only the " paid ahead '' error appears to have been resolved. However, my online account now shows that I apparently owe {$100.00}, and that my account has jumped from 10 days past due as of yesterday to 42 days past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
My specific issue issue is : GM Financial monthly statements. Inconsistent, incorrect. 
No way to view records without spending hours on the phone, and still only have only words in a phone, no records, nothing in writing. 


GM Financial statement balances. 

XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX First payment was due XX/XX/XXXX. 

Payments I've made : XXXX XXXX {$1.00} Trace # XXXX XXXX XXXX {$16.00} Trace # XXXX XX/XX/XXXX {$1.00} Transaction # XXXX XX/XX/XXXX {$440.00} Transaction # XXXX XX/XX/XXXX {$500.00} Trace # XXXX XX/XX/XXXX {$1500.00} Trace # XXXX XX/XX/XXXX {$1000.00} Trace # XXXX After noticing my GM Financial statement balance was increasing as I was making at least double payments, I had tried to contact GM Financial to get a transaction history report. 

Transaction history for a major financial account should always be available to customers. Without having to ask. 

GM Financial told me on XXXX XXXX phone call that they could not tell me why my balance was increasing when my payments were double the required payment. 
On the same call on XX/XX/XXXX, the GM Financial rep told me that it would take at least ten business days to generate a transaction history report and mail it to me. When I asked why, I was told that the transaction history reports were " backordered ''. And that the billing system was having a lot of inaccurate account information. So, many people were wanting the transaction history. This call also took ove one hour to get this info. Unacceptable I called again on XXXX XXXX, XXXX. 
Again, I was told they have no idea why my balance would be increasing. Again, I was told it would take seven to 10 business days to get any kind of transaction history. 
Again, I was told they are aware the billing system had been reporting incorrect information. This call also took over one hour to get this information. Unacceptable. 

So, I have no way, as the consumer to see my transaction history? 
I have no way to see that my payments are being applied properly or how they are determining what my remaining balance is? 
I have no way to compare GM Financial account records to my own records? 

UNACCEPTABLE!! UNSATISFACTORY!! 

These are some huge red flags. How is this legal? How would anyone trust this company with any financial responsibility? 

How does a major financial institution operate in this manner? 

An investigation should be conducted. Immediately. Clearly I'm not the only person affected by this. Seems illegal. 

Please help. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: FL

Complaint narrative:
XX/XX/2019, my wife & myself, identity was stolen. our phone, email, credit, and us postal service address were involved. the hacker changed our address to a XXXX address. we have been trying since XXXX to remove this address. we start a dispute online with Equifax, and 3 days later, they say it's resolved. when we pull credit bureau, it is still on there. we have talkd with them by phone, and Equifax advises they will remove. however as of yesterday it has not been removed. 
Both Experian & XXXX XXXX have removed this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I Do Not Owe this debt this account is not mine I want it deleted From My credit Reprt before I take court action against the company and or original creditor as it would be there obligation in court to Show they are owed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express is still reporting inaccurate information to credit agencies, namely XXXX. The updates do not reflect payments made to the account as negotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I filed a previous complaint with American Express many times with cfpb to have the credit inquires removed off my XXXX  report and I receive letters from American Express saying it will be removed but unfortunately they are still remain on my credit report and I contacted them and they said it was suppress off my credit report but they remain on my file so I dont know what going on I didnt apply for a credit card with American Express and there are at least 5 inquiries dating XXXX the XXXX XXXX and XXXX the XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX that I didnt apply for and Im not getting anything done with this ... this will be my third complaint I filed ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08 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: U.S. BANCORP
State: GA

Complaint narrative:
I have two inquiries on my XXXX  report from a company that I have no affiliation with. I have never started any products or services with US Bank nor have I ever tried to. But it seems they have pulled my credit on two different occasions. The first inquiry was XX/XX/2019 and the second was XX/XX/2019.

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 2020-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened an account with Wells Fargo bank a savings account and checking account i have multiple direct deposits going into each account. My problem is this every single time i attempt yo use my debit card with this company the transaction is declined i then have to step out of line ask cashier to hold my order or items while i go through the entire process of calling Wells Fargo answering a bunch of identifying w was yestiond then have to answer a slew of question about my recent transactions. Now mind you all a supposed their would have to do is listen to the teller on phone and every transaction she or he asks XXXX or her about they would just have to say yes i made this transaction do its really a stupid  procedure anyways. But the even worse part of the whole ordeal is Wells Fargo charges you for the declined charges in multiple quantities for instance i was dhopping at XXXX in XXXX and ended up swiping my debit card seven plus times each of those times i was declined even though i actually had money in my account as i just had my tax refund deposited into my account so each swipe was declined so finally i called went through the whole song and dance that Wells Fargo foes and after answering multiple questions and performing code retrieval from them texting md codes my card went through findd as XXXX but when i look onlinee XXXX in my transaction log it says i made seven purchases at XXXX for XXXX. This has to stop same thing happened with my cable payment Wells Fargo would not allow my husband to deposit cash into my account because he is not on my account he had to deposit a money order well the bank held. Y money order for twenty four hours so it never posted until after twenty four hours do each attempt to pay my ca le bill was declined then when it was finally accepted the bank charged me numerous times in my transaction log causing chaos on my account then my cable company decided to take the payment as an attempted e check and redeposited it in their account in the amount ofXXXX it is still being withheld from me i need this money back i need this constant decking my card in public and embarrassing me to death to stop all i wanted was a normal banking system not this this is torture and super embarrassing because Im declined in long lines behind me of people that just want to get home

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 2020-02-08 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To whom it may concern all seven of my Sychrony Bank account was closed stating my accounts was high risk stating that the accounts will not be paid in a timely manner. But all of my accounts were paid never been late I tried talking to all the creditors and even XXXX  and was told there is nothing that can be done but this action that was taken was not right and it was not fair I worked hard to get my credit scores in the high 700s and now my credit scores are going to be lowered by this false statement made by the creditors and XXXX  these closed account will definitely destroy my credit scores that I worked hard for. The managers and even the workers at XXXX  are rude and they dont care about the customer. They just blame each other and provide not solution to problem.

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 2020-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Around XX/XX/2019, I saw that 2 new collection accounts were added to my credit reports from Pheonix Financial Services LLC. Prior to this, I knew nothing about the medical debt owed. I never received any bills, nor was I expecting any because I was insured by Medicaid until XX/XX/2019. I have asked them to verify the debt, and they still haven't replied, and my credit has already been affected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In most recent response to my CFPB complaint about the fact that Capital One misrepresents the federal laws to the customers by making statements that there exist federal regulations that require Capital One to collect citizenship status of consumers applying for a Capital One credit card Capital One claimed the following ( see attached ) : " Federal law requires that at account opening we obtain and maintain information regarding our customers and their accounts and account relationship. '' This statement does not say anything about federal laws requiring Capital One to collect applicants citizenship information. 

Capital one further states : " Capital One must comply with the requirements of the Bank Secrecy Act, including requirements that Capital One gather information about and verify the identity of accountholders and people who are allowed to engage in activity on accounts. '' The Bank Secrecy Act mentioned by Capital One does NOT have any requirements for Capital One to gather citizenship information of its credit card applicants. 

Capital One further states that " If you would like to understand this law further, there is a lot of publicly available information, including information provided by our primary federal regulator, the Treasury Departments Office of the Comptroller of the Currency. You can find additional information on their website at https : //www.occ.treas.gov/topics/compliancebsa/bsa/index-bsa.html. " None of the publicly available information referred to by Capital One, including the internet resource link Capital One provided, has any information about any federal law requiring Capital One to collect citizenship information of its applicants. 

Capital One in its response to my complaint CFPB Case : XXXX continues to provide misleading statements about the federal regulations and misinforms the public that there are federal regulations that require Capital One to collect citizenship status of consumers applying for a credit card to Capital One.

Company response to consumer: Closed with explanation