vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am reporting Goldman Sachs in reference to their XXXX XXXX. On Wednesday at XXXX I contacted them via chat since my account had been restricted. They needed to text me a code and said that my account was fully verified. When applying for the card I gave them a picture of my Drivers License. I have been usually the card regularly and paid off the first statement balance. I contact Goldman Sachs today when I noticed my account was closed. I received an email that went to my junk that said Failure to comply with the terms of the Card Member Agreement or Rewards Agreement. They said the issue was with the verification that I did not provide. When I told them I had they said oh okay I see that but youll have to wait 2-3 weeks for a letter explaining why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/2019 I received a {$40.00} payment through cashapp. When I went to pull it off onto my direct deposit card it closed my account and now I have XXXX in my account that i cant get off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Security Credit Services, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX is a not a rental housing company. This is affecting me from renting out from real rental home and apartment communities. The only thing I leased from the company were TV 's not an apartment. According to the XXXX, here is a summary of the results of the XXXX  investigation : The trade line for Security Credit Serv # XXXX & XXXX are reporting as a Rental collection based on the classification of business by the original creditor. The trade line is a furniture company and is not related to a residential lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Ditech did not run a correct escrow analysis on my account which shows my property taxes has changed which I have a {$600.00} surplus that needs to be issued as a refund and change my monthly payment to the correct amount. 

Ditect is still not reporting my correct mortgage balance each month to all 3 credit agencies. 

Ditech as not cancel my escrow account at my request which is allowing them to float my monthly payments each year.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I had a cashier 's check drawn up to pay for a passport renewal. I had ordered checks but I was unsure they would arrive in time. I asked the teller if they entire amount would be refunded if I didn't use the checks and the teller said yes it would. I got a {$110.00} cashier 's check and was charged {$15.00} for the fee for the check. The next day I returned the check and was told the {$15.00} was not refundable even though less than 24 hours I was told it was. I called the bank on XX/XX/XXXX and they refused to refund the free. I am requesting my {$15.00} fee to be returned.

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 2019-09-28 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: CA

Complaint narrative:
XXXX accts nos.XXXX and XXXX are accounts that I have reporting to XXXX , TRANSUNION AND XXXX . 
The accounts are closed.Both accounts have a balance that is less than the credit limit.All of the accounts have been intentionally misreported following each and every credit dispute with each of the BIG 3 bureaus as to whether or not they are open or closed or what the current balance was at the time of the dispute.I perceive this occurs because XXXX XXXX has no interest in adhering to the strict standards of accurate and complete credit reporting as required by the FAIR CREDIT REPORTING ACT. 
In each and every dispute, the disputes are answered to XXXX XXXX in an automated fashion as of the previous statement cut date ... and therefor the only 'guaranteed ' days of accurate credit reporting are on the statement cut date themselves.Each and every intentional misreporting of credit carries a {$1000.00} statutory penalty to be paid by the subscriber and co-operating bureau ( where negligence and intent can be proven ) .I may have to file suit to collect, yet this complaint this day is a record of notice to all three bureaus of XXXX XXXX   INTENTIONAL MISREPORTING AS A PATTERN AND PRACTICE.THE CORRECT REACTION OF ALL 3 BUREAUS IS TO NOT ALLOW THE REPORTING OF CREDIT BY XXXX XXXX UNTIL THEY WILL ABIDE BY ALL CREDIT REPORTING LAW. 
THIS OFFENSE COULD AND WILL BECOME A CLASS ACTION INITIATED BY ME.IT IS SUSPECTED THAT ANY DISPUTE BY ANY CUSTOMER OF CREDITONE WILL BE INTENTIONALLY VERIFIED AND MISREPORTED ... thousands or millions of XXXX customers are being harmed with the cooperation of the BIG3 credit bureaus as of today 's date.

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 2019-09-28 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: CA

Complaint narrative:
XXXX accts nos.XXXX and XXXX are accounts that I have reporting to XXXX , XXXX AND EQUIFAX . 
The accounts are closed.Both accounts have a balance that is less than the credit limit.All of the accounts have been intentionally misreported following each and every credit dispute with each of the BIG 3 bureaus as to whether or not they are open or closed or what the current balance was at the time of the dispute.I perceive this occurs because XXXX XXXX has no interest in adhering to the strict standards of accurate and complete credit reporting as required by the FAIR CREDIT REPORTING ACT. 
In each and every dispute, the disputes are answered to XXXX XXXX in an automated fashion as of the previous statement cut date ... and therefor the only 'guaranteed ' days of accurate credit reporting are on the statement cut date themselves.Each and every intentional misreporting of credit carries a {$1000.00} statutory penalty to be paid by the subscriber and co-operating bureau ( where negligence and intent can be proven ) .I may have to file suit to collect, yet this complaint this day is a record of notice to all three bureaus of XXXX XXXX   INTENTIONAL MISREPORTING AS A PATTERN AND PRACTICE.THE CORRECT REACTION OF ALL 3 BUREAUS IS TO NOT ALLOW THE REPORTING OF CREDIT BY XXXX XXXX UNTIL THEY WILL ABIDE BY ALL CREDIT REPORTING LAW. 
THIS OFFENSE COULD AND WILL BECOME A CLASS ACTION INITIATED BY ME.IT IS SUSPECTED THAT ANY DISPUTE BY ANY CUSTOMER OF XXXX WILL BE INTENTIONALLY VERIFIED AND MISREPORTED ... thousands or millions of XXXX   customers are being harmed with the cooperation of the BIG3 credit bureaus as of today 's date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
Hello, First, thank you for your help in this matter. 

I continuously have problems with my lender ( Amerihome Mortgage ). My mortgage was sold to them, without any input from me, by XXXX XXXX XXXX in XX/XX/2019. I've filed two other complaints with the XXXX. 
Who regulates this company? 
How am I powerless to choose my mortgage company? 
I've also written complaints via online review sites such as XXXX. ( Along with hundreds of other unhappy customers. ) Some issues of late are : - a website that doesn't work ( I get error messages when clicking on any menu ) - reps who regularly hang up on me - payment systems that also do not work ( which seems to be a link to another site? ) - long hold times - an insecure website that does not have a proper SSL certificate - no mobile app - slow, clunk interfaces on all digital formats - reps always say " we are having a problem with our system right now '' EVERY TIME I CALL!! 

This is completely unacceptable. I do not want to have a mortgage with this company. What can I do to end my relationship with them? How is this legal. 
I plan to contact my State representative regarding this matter, as I suspect CFPB is also toothless to get this company to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX XXXX  charged off credit account and was paid for the debt through insurance. Midland Funding bought the debt and has reported it to the credit agencies, causing two negative entries on the credit bureaus reports. A letter was sent to Midland and their attorneys, XXXX XXXX XXXX, XXXX, ( XXXX AL ) yet they still report the debt and filed civil suit in Alabama. The original account was created in Florida. Additionally, the statute of limitations on collecting the charged-off amount has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
I received the final closing disclosure with a huge variance in the escrow account. 
On XX/XX/XXXX the escrow account is {$1000.00} On XX/XX/XXXX the escrow account is {$3300.00} ( This is the final closing disclosure before the closing date ).

Due to the construction delay of the house I purchase, my closing date has been changed at least 3 times. Now when the house in almost done, with the fact that the XXXX company urges me to close as soon as possible while there is a huge difference in my monthly payment and escrow account, I do not feel comfortable to close this house ; especially when they threatened me that I have to pay for the penalties. 
I completely feel disrespected and deceived by XXXX the home builder, Eagle Home Mortgage, and XXXX mortgage closing company.

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 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had reported unauthorized transactions on my checking account with USAA in writing and never got a response and when I did receive a response after sending a copy of the original complaint my report was denied and when I asked for documentation used in the decision I was told over the phone that there was no documentation to send me which I thought was strange. I feel that my error was not handled correctly by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: TX

Complaint narrative:
XX/XX/2019 : I received in the mail a NETSPEND PREPAID MASTERCARD. I never requested, authorized, activated or in any other way contacted the Netspend firm to inquire about this type of card. I have no need for it. I cut the card in half, sent them a letter and requested NO FURTHER ADVERTISING OR MARKETING COMMUNICATION from them. NETSPEND did not respond in any way. 
XX/XX/2019 : I received a SECOND NETSPEND PREPAID MASTERCARD in the mail. Once again, I sent a letter to Netspend, returned the cut up card and all the associated materials, that this was unauthorized, rejected, never requested and would not be activated. Once again, I never received any type of reply. 
XX/XX/2019 : I received in the mail a XXXX XXXX XXXX XXXX. Once again, I never requested, authorized or in any other way wanted anything like this. The ADDRESS and PRIVACY ACT notices have NETSPEND corporation in them. Once again, { this makes THREE (! ) }, I cut up the card, sent back all materials, with a letter, detailing this is UNAUTHORIZED, UNSOLICITED and UNWANTED. I want this harrassing activity to stop and this firm to be censured.

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 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
- I opened a XXXX XXXX USAA Secured Credit Card. 
- account was closed due to non payment and has harmed my credit. 
- the charges on the account where due to unauthorized charges and I was not receiving statements so could not notice the charges quickly. 
- I was refunded for the unauthorized amount but my account remained closed and still reported negatively.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
- I opened a USAA checking account online on XX/XX/2019 using my debit card as instructed I then recieved an error and was instructed to put in my checking account and routing which i did and account was opened. 

- money was never removed with checking account number but my card was charged for the deposit and was showing on my statement but USAA said they never recieved funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: EQUIFAX, INC.
State: ME

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX  XXXX hard inquiry without my knowledge / I have not made any changes to my credit / no new applications etc There is no contact information listed XX/XX/2019 XXXX=XXXX XXXX XXXX XXXX . 
hard inquiry without my knowledge / I have not made any changes to my credit / no new applications etc There is no contact information listed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: NC

Complaint narrative:
Looking to apply for credit and found a number of inquiries that I did not make or give permission.

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 2019-09-28 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have 3 - Tuition Answer loans with Navient. All loans are reported correctly with all of the credit reporting agencies, except to XXXX, only 1 of the 3 loans are reported on my XXXX  credit report. I have contacted XXXX through disputes and phone calls who insist it is up to Navient to report the loans. I have contacted Navient, by phone who insist that XXXX has to change this on my credit report. Both loans missing from my credit report have outstanding balances which I make payments on every month. My XXXX Credit report is not reporting 2 of my 3 Navient loans which are in good standing. One of the loans missing from my credit report is over 12 years old and the other missing loan is over 11 years old. The incorrect reporting has been in this incorrect status for years, and neither agency will correct or remedy the situation. Please help! Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NY

Complaint narrative:
At the present time I am conducting an investigation because I have been a victim of identity theft. During the past few months I have received several phone calls from Discover for a past due balance. It has been almost about 10 to 15 phone calls a day. I found that persistence very unusual and concerning. At one time I had spent about 25 minutes with a Discover representative and as soon as I hung up I received another call from a representative allegedly from Discover as well who did not verify the account nor asked any security questions to protect my privacy. I also found that Discover had different phone numbers to contact me that were incorrect, I requested the representative to inmeditately remove the wrong contact numbers. 
As I am currently struggling as a victim of identity theft and my credit has plummeted, I am reviewing everything in order to recover. Discovers actions are not compliant specially after so many issues affecting customers privacy and identify protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: NC

Complaint narrative:
Looking to apply for credit and found a number of inquiries that I did not make or give permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: NC

Complaint narrative:
Looking to apply for credit and found a number of inquiries that I did not make or give permission.

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 2019-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I discovered my checking account had been hacked after checking my balance on my mobile app. it happened at XXXX pm. central time zone. ( XXXX XXXX XXXX ). The description of the transaction was, person to person transfer. XXXX XXXX XXXX XXXX XXXX. I don't even know this person and I have never used XXXX period. They withdrew {$350.00}. I talked to my bank but supposedly they really can't do much ... and XXXX the same. Neither one wants to take responsibility for these fraudulent activity. I was told the funds went to a XXXX XXXX XXXX but have no trace of the phone number or who received it. Please help I am a father of 4 and a husband. They took my hard earned money. put me in a bind. XXXX has many of hack complaints they need to be financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I wish to raise an official complaint in respect of treatment of Suntrust mortgage account on the basis that I do not believe that I have been treated fairly. 

I was told by seller I will have {$16000.00} incentives for the closing. My closing due day is on XX/XX/19. The most current closing disclosure I received from suntrust was on XX/XX/19. I was agreed on all numbers, based on that closing disclosure. Until XX/XX/19, the Suntrust sent me a email, and that email stated there was an error on my final closing disclosure. Also I will not getting a full amount of {$16000.00}, because based on their explanation that FHA credits for state transfer tax ( {$1100.00} ) it is apart of that {$16000.00}. It was conflicted when the seller told me at beginning. Which I should get a a FHA credits from seller by the MD state Law, and with a full {$16000.00} seller incentives additional on top of that. 
I have been misleading by Suntrust and the seller ( XXXX ),  and do not believe they meet the Financial Conduct Authority principles of needing to be clear, fair and not misleading. 
I have attached with original final closing disclosure on XX/XX/19.

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