vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USPS RTR form 3811 article received by : XX/XX/XXXX USAA CREDITCARD SERVICES XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX XXXX XXXX XXXX ) USAA RECIEVED see attatched United States CRIMINAL INVESTIGATION LETTER dated XX/XX/XXXX USPS DELIVERIES NOT BEING MADE ZIP XXXX see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM LETTER claim date XX/XX/XXXX {$470.00} ** INVESTIGATION COMPLETED XX/XX/XXXX ( 11 months later ) see attatched FTC ID THEFT case XXXX This CONFIRMS ORIGINAL ISSUE USAA DOES NOT PROVIDE ACCESS DUE TO MY XXXX XXXX XXXX. Kindly Note I AM ONLY ABLE TO SEND THESE DOCUMENTS TO USAA ONCE WHICH I DID. I HAD TO PAY AN ADVOCATE TO MAIL THESE TO USAA. THIS WAS PHYSICAL PAIN, EMOTIONAL PAIN & FINANCIAL PAIN I CAN ONLY ENDURE ONCE. ** CFPB PROVIDES EASY USER FRIENDLY ACCESS FOR ME TO PROVIDE THESE TO USAA A SECOND TIME AS THE XXXX USAA REP OF FRAUD DEPARTMENT TOLD ME XX/XX/XXXX ** NONE OF THESE DOCUMENTS WERE NOT PROVIDED ALSO see attatched Merchant Response XXXX XXXX THIS IS NOT MY IP ADDRESS * THIS IS NOT MY DELIVERY ADDRESS * THIS IS A THIRD PARTY NOT XXXX. USAA NOW ( as of XX/XX/XXXX ) HAS BLOCKED MY PHONE ACCESS AS WELL AS ON LINE ACCESS. USAA PROVIDES NO ACCESS AT ALL. SUDDENLY I HAVE NO PHONE VERIFICATION QUESTIONS TO BE ABLE TO BE VERIFIED. I CALL RETALIATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Reported : XXXX. XXXX, 2020 {$680.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX. XXXX, 2020 {$58.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$400.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello To Whom It May Concern, I have been charged on XX/XX/XXXX by a website XXXX with a {$100.00} only because BofA allows it, instead of stopping any sort of over drafting they are increasing it! Plus, I didn't receive any email confirmation from the online game provider XXXX. I did pay and use it in XXXX for a few months only so, I consider it a huge bank mistake.

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 2020-05-09 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

ALLY FINANCIAL

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 2020-05-09 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: FL

Complaint narrative:
I have fraudulent accounts on my credit report, I have tried to have them removed but the credit bureaus will not help me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: FL

Complaint narrative:
I have fraudulent accounts on my credit report, I have tried to have them removed but the credit bureaus will not help me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
XXXX ( loan servicing ) under United Wholesale Mortgage applied both escrow and monthly payments in error resulting in delinquent account reporting to the credit bureaus.

Example 1 : {$2600.00} escrow payment was made on XX/XX/2020. 
- XXXX/UWM reversed the escrow payment the same day as payment was made and applied it as the XX/XX/XXXX payment weeks prior to due date. 
- No notification was provided to me that this occurred. 

Example 2 : {$2300.00} XX/XX/XXXX payment made on XX/XX/XXXX was applied to principle only. 
- No notification was provided to me that this occurred. 

Example 3 : {$2300.00} XX/XX/XXXX payment made XX/XX/XXXX was applied to principle only. 
- No notification was provided to me that this occurred. 

I was notified that UWM was transferring ( selling ) my loan to a new company. I found all of these stated errors during my review of the account in mid XXXX when ensuring my escrow and other balances where in order. 

I immediately notified UWM of the errors in an attempt to correct my account prior to the XX/XX/XXXX transfer date. UWM agreed they had made errors and reversed the escrow payment back to escrow and reversed the XXXX payment from principal to a monthly payment and removed the late fees. 

The errors continued though ... the XXXX payment that had been applied to principle was reversed but applied to principle again a second time. UWM 's lack of response time resulted in transferring of the loan to my new mortgage company with escrow and payment errors. Although I am making progress with the new mortgage company to correct UWM and XXXX errors, I have been reported to the credit bureaus by UWM/XXXX as being delinquent XXXX days for my XXXX payment. This has dropped my XXXX credit score to XXXX. This is after UWM assured me that they were in error and nothing would be reported. 

I have disputed the report with all three credit bureaus, called UWM, emailed UWM, used back channels through mortgage brokers over the past two weeks but have gotten zero results and still have a XXXX credit score and need to make a major purchase.

UWM and XXXX have made major errors that have impacted my credit and resulted in me spending over 50 hours attempting to minimize the damage. As a customer, I would expect a mortgage or servicing company to at least be able to perform the basic function of applying my payments correctly. If they can not do that and don't have the understanding to make corrections they should find work that is not as important as mortgages. 

What should be considered is legislation that would require mortgage companies to compensate customers for the time spent in correcting errors made on the mortgage company 's behalf. I would bet they would improve their processes and certainly their response time knowing these errors would impact the bottom line. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I have never received a debit card for the Oklahoma unemployment benefits. I have waited 21 business days. I have made a call for over three weeks and am on hold for as long as 4 hours and NEVER get a representative to answer my call. I have tried at XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. 
The company is supposed to be open 24/7. 
I cant believe the representatives have an over load of clients needing help at the times listed above. 

Please help. Because I cant access money that has been awarded to me with out this debit card I have went without my XXXX, XXXX  and XXXX XXXX medications for over a week

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: FL

Complaint narrative:
law offices XXXX showing on XXXX FTC violations

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 2020-05-09 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
law offices mba showing on XXXX  FTC violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 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: FL

Complaint narrative:
law offices XXXX showing on XXXX FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: FL

Complaint narrative:
FTC VIOLATIONS ON THE FTC REPORT PLZ REMOVE IT ASAP B/C ITS LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FTC VIOLATIONS ON THE FTC REPORT PLZ REMOVE IT ASAP B/C ITS LAW

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 2020-05-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FTC VIOLATIONS ON THE FTC REPORT PLZ REMOVE IT ASAP B/C ITS LAW

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 2020-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NV

Complaint narrative:
On XXXX XX/XX/2020 I used Remitly.com to attempt a transfer of {$100.00} to my bank account at XXXX XXXX XXXX XXXX ( XXXX ). They charged my debit card for this {$100.00}, and the automated response indicated that the funds would be available in the account by XXXX XXXX  on XX/XX/2020. The funds have still not appeared in my account. There is a link from my confirmation email from remitly.com to track the transfer. Every day since XXXX XX/XX/2020 I have followed this link, and the delivery date keeps being pushed forward to the present day at that website. The most concerning thing is my attempts to contact them have all failed. They have a " contact us '' web page that offers three methods : online chat, phone, and email. Only the chat method ever shows availability, but the link there appears to be inactive, it does not direct one to any chat page. I have attempted to follow the chat link each day since XX/XX/XXXX, and it is totally unresponsive. As a result of my experience, from remitly.com I would request that my {$100.00} be returned to me without charge, but there appears to be no way to contact this company to seek resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
When I logged onto our account with Freedom Mortgage to pay our current mortgage payment, I discovered that the company placed our mortgage in Loss Mitigation. Due to this, there is no option to make a payment. According to their website, they approved a Loss Mitigation for our account on XX/XX/2020. It also says that we have a Repayment Forbearance ... Currently Under Investigation. We did not ask for or fill out any paperwork requesting a Forbearance. Apparently Freedom Mortgage took it upon themselves to force us into this situation. This is not right and we will be contacting the company. Although contacting Freedom Mortgage usually results in more frustration, we will try. 

This Company is already part of at least one Class Action Lawsuit over their unending phone calls pressuring their mortgagees to refinance and refusal to cease their phone calls. 

If these new actions by Freedom Mortgage are not illegal, they certainly should be. How many others have they placed in Forbearance without consent?

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 2020-05-09 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: PA

Complaint narrative:
Due to COVID pandemic I was unable to pay my payment to XXXX XXXX ( account # XXXX ) and my XXXX XXXX XXXX account ( Account # XXXX ) on time because all branches in which I pay were shut down due to the recent pandemic.

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 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: MO

Complaint narrative:
There is a negative collection report on my credit for debt that is and was not mine. I was taking to XXXX Hospital as a child. The amount on my credit is for XXXX from Merchants credit, I was a minor child not responsible for this debt. This debt belongs to my parents not myself. I have disputed it and nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Springer Collections Inc.
State: MN

Complaint narrative:
Contacted company to inform them I do not owe a debt to them on or around XX/XX/XXXX. I was told debt is with an attorney and needed to speak with XXXX. I then was redirected to someones voicemail who I then left a message for. I did not hear back from them. I sent a dispute with XXXX  on it around XX/XX/XXXX. I received a response on XX/XX/XXXX that the account has been updated with no noticeable changes afterward. I have a court decision and order I submitted that dismisses this and to be expunged because it is mine, XXXX   ignored this documentation. I have uploaded it again, XX/XX/XXXX. This debt that is not mine and is unfairly hindering my loan opportunities. I wish for this to be resolved quickly and deleted from XXXX and XXXX  credit bureaus. XXXX  rightfully deleted the debt when I submitted the court documentation back in XXXX of XXXX. I do not owe Springer Collections or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I made a payment to XXXX Visa from TD bank XXXX, under social security XXXX on my checking account on XX/XX/2020 and the TD bank after many weeks refused to pay XXXX  Visa. I am now left with a late fee on the XXXX payment to XXXX XXXX and now behind on two payments. I paid {$100.00} to join XXXX XXXX as well as XXXX a year so it is a total loss for me not to have the card. 
TD bank is locked up, and their phone service is totally unavailable. I wrote them a letter and tried XXXX but they no longer communicate with the customers. My roommate just uses the ATM and no change is available anymore for laundry. I used to get quaarters there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: AL

Complaint narrative:
Cks financial hit my credit report as a line of credit for {$7000.00}. I have never entered into any contracts verbally or written with this company. They have not sent any correspondence as to why or how my personal identification was used to open an illegitimate account. The desired outcome is for them to remove any open accounts under my personal information and close all accounts or services under my personal information. And to be fined for deceptive practices and failure to communicate intent, purpose and documentation for any open credit services or contracts which I have not been a willing party to.

Company response to consumer: Closed with explanation