vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I recently sustained an unforeseen injury that has affected my vision and I'm currently on XXXX, receiving only portion of my regular salary. According to my physicians, it can be months before my vision is back to baseline. With my return to work being months away, me taking a hit in my take-home wages and having now additional obligations in the form of medical bills, I reached out to USAA about my credit card balances, which are all current and in good standing at the moment, to see if they could assist me in anyway with my monthly payments and interest rates during this financial hardship. I attempted to convey this request twice to their customer care team. The first time they redirected me to a third party company which all they did was try and sign me up to a credit counseling service, which was fee-based. The second attempt, I was told blatantly that they couldn't do anything for me. Having been a USAA member since 2004, when I enlisted in the United States XXXX and have utilized numerous USAA products with good results and service, so I am VERY applaud and disappointed that USAA refuses assistance to a member of 15+ years during this unfortunate time and eventually will be forcing it's member to default on payments due to lack of funds at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm filling a complaint with Chase Auto. For 5 years I've made on time payment with auto pay. A few years ago I noticed on my credit report was reporting an incorrect " 30 day '' late XX/XX/2017. I have disputed but neither Chase nor the credit bureau can give any proof I was late and are refusing to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
It is astonishing to me that my previous complaint ( XXXX ) was closed and deemed resolved on the basis of a completely unsubstantiated and UNRESOLVED response from the Mortgage Company ( Rushmore ),  without ANY feedback from me, as to my level of satisfaction. 
The response involves statements which are inaccurate, to which I am given no opportunity to respond, and the issues are in no way resolved. 
I am, therefore, re- opening this complaint and will continue to do so until it is resolved to the satisfaction of all parties concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I am XXXX  XXXX. Navient cancelled my private student loans. Yet one private loan sits in repayment. I keep getting emails directing me to call Navient. I do not have a telephone, I can not " telephone '' Navient. It seems like Navient is just placing me in a XXXX. I have sent whatever documents have been requested, for a XXXX XXXX XXXX ( XXXX ) discharge. Yet I keep getting, emails requesting me to visit their website, to view bills. Zero updated response to my re-submittance of XXXX   documents. Why is Navient not responding, by acknowledging that they received my XXXX paperwork, more than once. That paperwork was mailed with the following tracking number ( XXXX ). Its status is delivered : XX/XX/XXXX at XXXX XXXX Delivered, Left with Individual XXXX XXXX, PA XXXX How many times must I submit XXXX   papers. I re-sent those documents on XX/XX/XXXX. I have that second tracking number buried somewhere, that reported its delivery. As mentioned, repeatedly, Navient has received and approved my private student loan total XXXX  XXXX cancellation. But still has one loan as past due within its system.

Navient knew one year ago that I had been approved for XXXX at the federal level, but, had me resubmit XXXX paperwork for my 2 private student loans, as if Navient did not have both Federal and private loans under the same account number. Of course Navient sent a Litigation Review Pending letter, which made Navient look extra-special. My account was placed on a XXXX  XXXX hold on XX/XX/XXXX. The day it received my certified mailing of its latest XXXX paperwork request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
All XXXX loans where placed in my bankruptcy 2017 due to a hardship. XXXX keep reporting to TransUnion and XXXX every month that I owe them when the accounts was closed at the Chapter XXXX bankruptcy hearing 2017. 
Transunion and XXXX  removes all the account after I submit the claim to yall, but only to replace the XXXX accounts back onto my credit report this month. 
XXXX has not responded in a timely manner to my complaint with yall submitted last month or to me speaking with them over a year ago. 
Why are the reporting I owes them money and the interest keep lower my credit score to the point it damaged my credit. Now I get find no apartment or place to live in my name. What is the reason they aren't following the LAW. 
Every month I dispute the XXXX accounts only to have them removed temporarily. Then XXXX reports what the want to about my accounts that false information to transunion and XXXX and they go and replace the inaccurate information on my Credit account at both Bureaus over and over again. Please have XXXX Stop reporting inaccurate information about my accounts which are closed. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
All XXXX loans where placed in my bankruptcy 2017 due to a hardship. XXXX keep reporting to XXXX and Equifax every month that I owe them when the accounts was closed at the Chapter XXXX bankruptcy hearing 2017. 
XXXX and Equifax removes all the account after I submit the claim to yall, but only to replace the XXXX accounts back onto my credit report this month. 
XXXX has not responded in a timely manner to my complaint with yall submitted last month or to me speaking with them over a year ago. 
Why are the reporting I owes them money and the interest keep lower my credit score to the point it damaged my credit. Now I get find no apartment or place to live in my name. What is the reason they aren't following the LAW. 
Every month I dispute the XXXX accounts only to have them removed temporarily. Then XXXX reports what the want to about my accounts that false information to XXXX and Equifax and they go and replace the inaccurate information on my Credit account at both Bureaus over and over again. Please have XXXX Stop reporting inaccurate information about my accounts which are closed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
on or about XX/XX/XXXX I called TransUnion regarding unauthorized inquires on my credit report. I believed I've been victimized and Im humbling asking that the problem be rectified. 
I had a concern about Inquiries on my TransUnion report. TransUnion did not follow proper procedure as laid out in the Fair Credit Reporting Act when reinserting those inquires. Under the Constitution the  inquires in question must be removed from my TransUnion report.

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 2019-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
In my recent complaint case # XXXX, the Bureau decided to close my complaint without a resolution. Filing another complaint hopefully to offer more detail in my appeal. ****next line**** In light of my original HELOC inquiry, the banker should further clarify the following items 1 ) it did not FINALISE the removal of the lien as agreement upon the closure of the HELOC ( XX/XX/2019 ), instead, it took several weeks to complete the recording in county 's office after the closure 2 ) the banker did not inform me upon the recording, 3 ) the banker 's website suggests that as of today XX/XX/2019, the HELOC account remains open and valid, 4 ) the banker suggests a 45 days timeframe to answer my inquiry which is unacceptable. 5 ) The banker referred to a " reconveyor fee '' and a " demanding fee '' amounted to the " early termination fee '' that is irrelevant and nowhere found in the HELOC account agreement. 6 ) There is no subject amounts/reasons for fees associated with the said " early termination fee '' in the HELOC account agreement, this resulted in banker 's favour which would allow that the banker to arbitrarily impose fees with no caps upon the closure of the HELOC. 7 ) The bank provided irrelevant escrow documents to answer my complaint. Instead, it should explain the terms/condition in the HELOC account agreement.

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 2019-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
Debt was never verified nor did I receive a notice did not receive anything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: LA

Complaint narrative:
On XX/XX/2019 I received a letter and phone calls from AMERICOLLECT stating that I owed them payment from a Hospital Statement. I contacted AMERICOLLECT Specifically Asking for a SIGNED CONTRACT BETWEEN MYSELF AND AMERICOLLECT STATING THAT I WAS OBLIGATED TO DO BUSINESS WITH THEM. They in return created a False Contract with AMERICOLLECTS NAME AND MY NAME ON WHICH IS NOT A ORIGINAL CONTRACT. I have contacted them several times about this and they have not fixed the issue. They have reported it on my Credit Report and I also disputed it there as well. I know that these companies buy debt for PENNIES ON THE DOLLAR AND COME AFTER US FOR THE REMAINING BALANCE. The Hospital wrote the Debt off and again I Never Signed a Legal Binding Contract with AMERICOLLECT INC. IF THERE IS NO WET INK SIGNATURE WITH MY NAME ON A CONTRACT I HAVE NO OBLIGATION TO THIS COMPANY. I also Informed the representative that I was tapping the call as well and informed her that I knew that there was no signed contract between myself and AMERICOLLECT INC. Please contact me at your convenience about this matter and I Appreciate your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I transferred {$160.00} to XXXX XXXX. It was a sneaker company that scammed me. His email is XXXX. I was trying to contact him for months requesting my money. But he ghosted me. Then he blocked me on everything. My bank still hasnt responded to this incident so now I am turning to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Here is my latest statement-Sam 's Club MasterCard ( R ) Credit Account Services E-mail Security Zone : XXXX XXXX XXXX For your account ending : XXXX Dear XXXX XXXX XXXX : Your Sam 's Club MasterCard ( R ) Credit online statement is now ready for viewing. Login today to view your statement online. 

Due Date : XX/XX/2019 Minimum Payment Due : {$56.00} Statement Balance : {$68.00} Sincerely, Sam 's Club MasterCard ( R ) Credit Services Protect your identity, never respond to this or any email with personal information such as your account number or password. 
Note : This email was sent to you by Synchrony Bank, the issuer of your Sam 's Club MasterCard ( R ) Credit Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Sam 's Club MasterCard ( R ) Credit Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. 


This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 


The problem is- we paid the card off in full over 3 years ago. All of a sudden, we have new charges. XXXX did an investigation, and Synchrony apparently only temporarily closed the account. Now it is a new month, and they are trying again ( or an imposter ). 

We are missionaries in XXXX. We have chosen to just ignore it. But it would be good to somehow end it. It is not the money. If we actually owed it, we would pay it. But we do not. 

Please advise- XXXX XXXX Direct Line ( XXXX ) XXXX ( Eastern European Time )

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 2019-10-12 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX;HasFraudulentactivityandIncorrectinformation.AlsoXXXXhasdeniedmeaccesstocreditreportsinceXXXX!

Identitytheftandfreezeshavebeenexhaustedover9yearsnowyetmycreditreportscoreandfileisinaccessibletome,mycreditreportandscoreseverelyinaccurateincompleteinformationaswellasFraudulentactivityandaccountsarethereasonXXXXXXXXXXXXXXXXetcmeXXXXlockandillegallyhavelockedmeoutofmycreditreportfilesinceasearlyXXXX.

EachBureauforCreditScoreandReportshavemadenoevidenceofprotectionformeandIhavemultipleyearsofoutdatedandagedstudentloansasdebtandnothingelse.Yetfor10+yearsnow520-580atbestusassociatedwithmyidentityandUSAsocialsecuritynumber.I'moutragedBeyondCriticalconditionsinmylifeIrreversiblehardshipsonsetofunsalvageabledamagethataffectedmychildrenandI.PhysicallyXXXXemotionallydevastedfromlackofprofessionalismprotectionandtheXXXXprocessandprocedurespereachmajorbureautermsofserviceandprivacypolicyfacilitatingthis.Pleaseexcusemybrevityoftheprerequisiteforthisdiscussion.Collectivelycouldn'tcasefileasdisputesIhavetocontinuediscoveringdiscussionaboutthis.

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 2019-10-12 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: EdFinancial Services
State: NV

Complaint narrative:
XXXX ; Has Fraudulent activity and Incorrect information. Also XXXX has denied me access to credit report since XXXX! 

Identity theft and freezes have been exhausted over 9 years now yet my credit report score and file is inaccessible to me, my credit report and score severely inaccurate incomplete information as well as Fraudulent activity and accounts are the reason XXXX   XXXX  XXXX XXXX etc me XXXX lock and illegally have locked me out of my credit report file since as early XXXX. 

Each Bureau for Credit Score and Reports have made no evidence of protection for me and I have multiple years of out dated and aged student loans as debt and nothing else. Yet for 10+ years now 520-580 at best us associated with my identity and USA social security number. I'm outraged Beyond Critical conditions in my life Irreversible hardships onset of unsalvageable damage that affected my children and I. Physically XXXX emotionally devasted from lack of professionalism protection and the XXXX process and procedures per each major bureau terms of service and privacy policy facilitating this. Please excuse my brevity of the prerequisite for this discussion. Collectively couldn't case file as disputes I have to continue discovering discussion about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
Original Creditor XXXX XXXX XXXX hospital for emergency room visit XX/XX/2016. Turned over to collection agency Radius Global Solutions. Amount of debt {$320.00}. Military retiree XXXX XXXX  payed for this service and informed the hospital that I didn't have to pay out of pocket, because they are a XXXX network provider. Now 3yrs and 8mos later this same bill that was payed by XXXX XXXX military retiree 3yrs and 8mos ago shows as a collection on my credit report and drop my credit score 30 points. If this debt hadn't been payed wouldn't it had gone to collections and reported to credit reporting agencies way before now. I served my country for 20yrs in the military and I don't deserve to be extorted by America greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I was tricked into going to college instead of learning a trade or something else and had no idea what i was getting into yet every adult in XXXX pushed the college regime and look at me now. struggling with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I will be XXXX years old on my next birthday. I must admit I do not check my balances on a daily or weekly basis. I check once a month. 
When I checked, I found out that {$400.00} had been removed from my account at a Drive In Window. The bank insisted that I made it after I deposited a money order and then went back to take out {$100.00} for a homeless friend that was sitting on the curb near the bank. 
I went back to the bank to ask questions. I was told that they could not give me any information because the teller who did the transaction was not at work that day. I continued to call and was told that all transactions showed my drivers license and bank card so that was their proof that I had made the withdrawal. I then went to another bank and they could not help me. Then I went to a third bank and filed out a form and had it notarized. The money was put back in my account but with no reason why this happened. 
On XX/XX/XXXX they finally sent me a letter from the Fraud Assistance Center that told me they were HAPPY to inform me that they credited my account with the {$400.00}.

I went back to the Olney branch several times to ask why this happened. I was told that the Fraud division had not given them an explanation. I kept getting the RUN AROUND. I have 4 accounts with this bank. Three of them are in my trust. The one that is in question is not. So last week I closed that account and put it in Navy Federal where I have my other accounts. 
My fear is that it might happen again. It is a lot of trouble changing banks. My XXXX sons social security check in which I am the representative payee will have to be changed and the account with my social security check will have to be changed. It will be so hard for me. I dont know which bank to change to. I would love to do XXXX but cant get in. My father was a 100 % XXXX vet but he did not have XXXX. I have two sons who are veterans and have XXXX but the company goes down so my sons could not pass it up to me. I am so fearful about my savings account and two checking accounts that remain in Suntrust b The Claim Number given to me by the Fraud Assistance Center is XXXX Please help. I deserve some type of explanation if it were a banking error or whatever. Thanks in advance for any help that you can give me.

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