vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a claim with my insurance company a pine tree had fallen on my home. The total claim was {$33000.00} worth of damage. Insurance company cut a check to me and my mortgage company XXXX. Thinking we would get a check for the whole amount back from XXXX to start my repairs. XXXX required documents from each contractor to be submitted, W-9, contractors waiver of lien, each contractors quote signed by both me as the homeowner but the contractor as well and a copy of the adjusters quote. I turned everything in as required. I finally on XX/XX/21 my first check was cut to fix my roof portion made out to me and the contractor. Once the roof was completed I had to get inspection. Ok completed. Now trying to get more money from them after back and forth XX/XX/21 another check was cut for my fence repair again made out to me and my contractor. Ok done. Here I am again 3 months after my initial claim and still can't get the rest of the money to fix the repairs to my home or any excess. I can understand protecting their investment with the roof of the house but nothing else is mortgaged the remainder of the money needs to be returned to me. I can't even fix my home. We pay for insurance for a reason we shouldn't be held hostiage from our money to make the repairs needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block these items from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have XXXX business days to complete this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: OH

Complaint narrative:
I wish to file a legal complaint. Equifax credit bureau has illegally without federal trade commission approval contracted a company by the name of XXXX score that is utilizing Equifax data to do credit scoring on consumers. XXXX score are not one of the 3 national credit bureaus registered through United States Federal Trade Commission in Washington DC. 
I will not have this unknown company called XXXX score discriminating against me for my credit score. An unknown company called XXXX score not registered through Federal trade Commission continues to trash my credit report under the Equifax credit bureau licensing. 
In the past year since my eight-year-old bankruptcy I XXXX XXXX XXXX has worked extremely hard as XXXX to reestablish my credit. I refuse to allow this company licensed through Equifax and not licensed by federal trade commission. Whoever these vantage score people to rate my credit and to have any kind of processing on my credit report I demanded these people be pulled off whoever XXXX score is they have no LEGAL right to grade my credit and or credit score. I am also filing a FORMAL complaint because Equifax continues to discriminate against me by continuing to force a poor credit score on my credit file. 
if you would review my credit reports from XXXX and XXXX  you will come to a decision whereas Equifax has not and will not commit to practicing the unfair credit act laws My credit file listed at Equifax so deserves more than a XXXX-credit score and I demand that you and enforce Equifax to properly grant me the credit score I deserve. After reviewing my credit report and you will see that I deserve better than a XXXX. 

For the past 3 years, Equifax has managed in corruption with this unknown illegal company XXXX score that is not registered through Federal Trade Commission to illegally extort my credit file as well as my credit score. 
I am filing formal complaints asking federal trade commission in Washington DC to act, enforce its agency to cease and desist Equifax and whoever XXXX score is to no longer give a credit score or a credit rating on me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 my son tried to download a game from XXXX XXXX and it was unsuccessful. I called XXXX and during COVID 19 their not answering their phones after multiple calls. I then called my back to dispute the transaction, and I been noticing my bank doesn't take disputes seriously, so before thirty days are up, they reverse the credit of XXXX for this game. I called my bank and said, wait, I was vehemently disputing the charge. The gentleman said he reopened it on XX/XX/2020, then to make certain, I call back on XX/XX/2020 and speak with XXXX in escalations, she says " What is wrong with you? Why are you cussing '' There must be something wrong with you? '' So, I find out this morning after calling back again and being hung up on that now one reopened the dispute. They closed the dispute before its time. I uploaded documents they requested but never sent out or uploaded to my online account to get to them sooner. I called in prior and was hung up on again, so I called back and closed my insurance and their cheap credit card. Then I wrote the XXXX XXXX XXXX a complaint while I called back in to hear someone finally truthful telling me that my dispute was permanently closed.Moreover, I have credit cards with high limits, USAA gives me a XXXX limit, and my XXXX XXXX is Platinum with over XXXX dollar limit, my credit usage is below 15 percent. My auto loan I applied for with USAA they offered me XXXX dollars when all the others offered XXXX dollars. Just last month I had to dispute two XXXX dollar service items and I went above and beyond to get a letter from the XXXX office, COO, but I had plenty of funds in the bank when the bank called me and went on a rant to tell me what to do and write them letters, go back to the doctor, run around and then call her back? Seriously, I have only spoken to the same people at USAA in ten years maybe twice. I know bias, prejudice, the red headed step child, discrimination, and straight meanness when I hear it. I also know evasive, neglect, and USAA should point fingers at themselves for their own dirty deeds. My son works way too hard to not receive his game and this bank has not been above board at times so when I cuss its for good reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On or around XX/XX/XXXX I opened my online banking app with Bank of America upon opening the app i was immediately kicked out with a message that security had closed my account when i called Bank of America i was told my account was closed due to a business decision and was given no other information i had 3 deposits from lost wage program pandemic and employment that was deposited into one of my checking account at that time i asked about withdrawing that money as that was exempt money i was told that i would not be allowed to withdraw it and i would be melded check in 7 to 10 days business days if the funds were not allocated for overdrafts these or other charges i called again to Bank of America and was told by 2 different agents that i could go down and retrieve my funds at XXXX XXXX. in the morning to with draw. When i called to verify that i would be able to do this i was told once again i would not be able to access the funds nor would they be able to give me any information on the XXXX or the closure of the account. This is the only way I have to pay my bills I am on pandemic unemployment which is being taken by Bank of America and not return to me I'm getting addicted losing my car and I'm not able to get my medication out at the pharmacy all I want is a resolution I want my {$910.00} which is the amount that was deposited from the lost wage program and pandemic unemployment. This caused my line of credits, store credits, XXXX, XXXX returns.

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 2020-11-03 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: CA

Complaint narrative:
Someone used My personal Information without my Consent these account are Fraud Accounts that I did Authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cuzco Capital Investment Management, LLC
State: TX

Complaint narrative:
I was texted by a phone number XXXX. I returned the call, there was an auto attendant that announced that there was pending matter in the office of XXXX XXXX with a representative of XXXX XXXX. I held for an operative. I received XXXX XXXX. I asked a few questions about who XXXX XXXX XXXX was. He reported that they were a, and claims processing agent for XXXX XXXX. He had my birthdate and my last four of the social security number. He was agitated that I was asking questions. He finally explained that he was calling for XXXX XXXX and there was an unpaid debt. I acknowledged that I had a previous account with XXXX XXXX with a XXXX Card. I explained that this was paid and that periodically there were debt collectors that called and tried to re-collect it again. I asked if he was a contractor or had he purchased a debt to collect. He said that they were a skip tracer engaged to learn if there was a case of action against me, which I take to be legal action and is a threat. 
I said that I was uncertain if this was a scam. He was incensed that I would think this and said that he made 400 calls a day and that everyone claimed it was a scam! I said that I didn't believe he could make 400 calls per day. He got angrier and said that most were hang ups, and went on to say that he had tried 4 numbers for me today. ( To clarify, I had received a previous text and call last week from I believe the same company, and they had reached my wife and my ex wife via text message. When I spoke to that representative, he hung up when I mentioned that I needed to know everything about him and the company to file a complaint with the FTC. ) I said that he was annoying my family and friends by making these calls on a paid debt. He was incensed again and said that I was combative and didn't want to cooperate so that he was going to recommend that they take action against me. 

I consider this to be combative and unusually aggressive. I have paid the debt, and I am not interested in sending proof, which verifies my personal information. I am not certain if these are these are scammers, or if they obtain this information and think that they can call unsuspecting individuals that don't know which debts they have paid, and get a few dollars out of them. I am not certain that they are a legitimate company, and if they are, they use aggressive and threatening tactics, even if there is no debt. 

The number that I received the text from today, XX/XX/2020 was XXXX. The previous call was from XXXX. 

Please reach out to this company and admonish them to follow the rules and not attempt to intimidate or threaten people. I am certain that if there ever is any legal action that it would be dismissed as there is not basis.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This account has been open fraudulently. Im victim of identity theft. This account is affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
this letter was sent certified 2 months ago and no response yet? 
they just reported my account as settled which is not correct- Hyundai Motor Finance XXXX customer service XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX acct # XXXX To whom it may concern, I would like to file a credit dispute- I agree I have a balance due, however, I do not agree with the bills you sent me.

I actually have only received one itemized bill dated XX/XX/XXXX for {$4600.00}. 

That was reconfirmed during my phone call with your call center and also in the email they sent me on XXXX XXXX XXXX pm. 

I received a second notification ( not a detailed bill ) on XXXX XXXX for {$3700.00}. 

I received another letter dated XXXX XXXX requesting {$2600.00}. 

XXXX XXXX resolution letter- I have been in discussions with your lease end department and was waiting to hear back and to receive a corrected itemized bill which as of today ( XX/XX/XXXX ) I still not have received. 

I just received a notice that you filed a 30 day late payment to the credit bureaus. 

I am in the process of trying to get a mortgage and you just destroyed my credit. 
Please review my taped phone conversations on XX/XX/XXXX and XX/XX/XXXX with your employees. 
I have my notes and intend to seek legal guidance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-11-03 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: CA

Complaint narrative:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block these items from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have XXXX business days to complete this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block these items from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have XXXX business days to complete this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I submitted a dispute on XX/XX/XXXX Equifax dispute Confirmation Number : XXXX It has been past 30 days and I have not been notified that the dispute was complete. 
The dispute was in regards to a XXXX account. I am disputing late payments on this account for the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
Someone used My personal Information without my Consent these account are Fraud Accounts that I did Authorize

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 2020-11-03 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: CA

Complaint narrative:
Someone used My personal Information without my Consent these account are Fraud Accounts that I did Authorize

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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My name is XXXX XXXX mortgage holder Specialized Loan Servicing account loan number # XXXX is claiming that I have a past due amount on my mortgage for late charges past due in the amount of XXXX plus other late fees on my account. I have asked for proof of the amounts SLS mortgage is claiming I owe them for approximately 3 years with no proof or response with documentation of the fees they are claiming I owe them. Once again I am asking Specialized Loan Service for proof of the amount they are claiming to be owed to them and sent to me XXXX XXXX and sent to to cfpb which I owe them nothing and quit wasting my time and energy and send me back a refund for the XXXX and any other charges they have added to my mortgage and if there has been any negative credit reporting to the 3 major credit bureaus that the reporting be erased form my credit profile with a letter of proof that the action was taken care of. My own perspective is I take pride since I first became a homeowner with a mortgage in 1993 I have never ever been late on my mortgage payments with any mortgage servicer or bank since I became a homeowner. I am very familiar with credit and its impact it could have on late payments to any creditor since I was General Sales Manager for 40 years with XXXX XXXX XXXX and ran customers credit daily at least 20 credit bureaus per day and dealt with over 30 lending banks and credit unions. Since I have been dealing with this inaccurate information for 3 years and you will not find any late fees I am asking for a expedite refund of all money owed to me Thank You XXXX XXXX Phone number XXXX Email XXXX I 100 % swear the above information is true and prefer phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with your company ( XXXX, XXXX ). This item is fraudulent and needs to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: MT

Complaint narrative:
I received two summons for two XXXX  XXXX XXXX credit cards from messerli and Kramer. I asked for documentation of these credit cards and they sent me statements with a balance transfer, no indication of card it was transferred from, and also stated they didnt have any electronically signed contract. I asked them if they could send me that and they just kept telling me that if I want anymore information I need to contact a lawyer, they wont provide me with anymore information. I just want to make sure this debt is in fact mine before I pay a debt collector company. I also asked if I could speak to one of their lawyers since the paperwork I received said messerli and Kramer, attorneys at law. She said they dont have any lawyers available and if we want to contact anyone else I need to have a lawyer contact them. I told her to leave a message with one of her lawyers, she said I can try but cant promise anything. One card says opened XXXX of XXXX, and the other opened XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation