vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
In XXXX, I had over {$270.00} in disputes on both checking accounts. I was instructed to send documentation on of before XX/XX/XXXX so that USAA could further investigate. I sent all documentation ( uploaded through the website XXXX XX/XX/2020. One documentation was for items I did not receive from XXXX XXXX. The other document was for ALL XXXX charges. On XX/XX/XXXX, I received a document from USAA ( in my account portal ) saying I would have additional time to upload documents. I thought that maybe they misread my previous documentation, so I sent it again on XX/XX/XXXX, XXXX uploaded to the website ) On the night of XX/XX/XXXX a received notification through the portal that USAA did not receive my documentation and all provisional funds would be withdrawn. I immediately called the next morning to attempt to speak with an associate in the disputes department. While I was on hold, somehow I was placed back into the que, got another associate and that associate stated she would send a message to the disputes/fraud team. Well the next day ( today XX/XX/2020 ) I login to my account to see that my is locked and being closed. When I called to speak to a rep. I was told that the fraud department feels that I am doing unlawful banking practices. From that, I gather that they feel that I am making false statements and/or claims to get money. This is not true. I did not receive goods/services from the merchants in question. USAA also states if you are having a hard time, please let us know. Well we are in the middle of a pandemic in which I have had a household member test positive for XXXX. This is not a game for me. Locking my mother, the joint owner out is not fair at all. She had nothing to do with any of this and now she doesn't have access to her funds to even get meds. That in itself is unlawful. THe least USAA could do is unlock the account so she could have access to 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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I filed a complaint before getting a response from cfp that the problem was addressed XXXX  transunion and XXXX  are continuing to report wrong address es for iledge debt I sent letter to the address given by the credit agencies and again the letter was returned because it was unable to be delivered because address does not exist. I asked that each credit agent delete this inaccurate information from my reports

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I paid my Citibank the entire balance of my account. I mistakenly over paid the amount due and my account ( which is currently closed ) has a negative balance of XXXX. I have requested to have have the funds returned and the Citibank is holding the return for an unspecified period of time. Citibank had confirmed that funds have been received by them but they still refuse to refund the outstanding balance inspite of repeated attempts to have them wire the funds to my 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 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A Month or 2 ago I specifically requested that my bank account with Wells Fargo be closed. The customer service representative assured me that he had closed my account and no further action was necessary. However, Within weeks I had service charge fees in my bank account was not closed. I contacted Wells Fargo and they Assured me a second time That it was their mistake and it will be taken care of. Here we are now and I am in negative {$350.00} And I refuse to do any further business with them or negotiations. They are notorious for not keeping their word and they could give XXXX XXXX  less about the customers, hence why there's now a XXXX special on such a despicable 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 monetary relief
Consumer complaint received 2020-11-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.

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 2020-11-12 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have requested several times for my credit report to be corrected. LVNV Funding and XXXX XXXX XXXX  has reported that my account was charged off. XXXX XXXX XXXX sold the account to LNVN Funding, they took me to court and ordered me to pay 100 % of the debt. 

I am in the process of purchasing a home, and it is adversely impacting my credit file. I have paid the bill in its entirely. I feel that this is adversely impacting and violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
When I cancelled my account I had rewards dollars in the amount of {$110.00}. I asked how to redeem these and was told the easiest way was to just subtract them from my final balance. When I received my final statement of {$180.00} the amount owed was not adjusted for my rewards money. I reduced the amount by {$110.00} and sent them a check for the balance of {$70.00} and considered the matter closed on XX/XX/XXXX XXXX. I also printed a disclosure on the back of my check stating that if the check was cashed my account will be considered paid in full. The check was deposited. When I contacted them about this in XXXX I was told that the employee should not have told me that it would be reduced.I now have received a notice that I owe them {$140.00} including a late fee of {$25.00}. I feel I do not owe them anything and want a letter from this company accepting responsibility for this matter and they consider the balance paid.

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 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc.
State: NJ

Complaint narrative:
Sent information to the MERCHANTS AND PROFESSIONAL | XXXX which includes an affidavit asking them to supply the information requested in an attempt to verify the debt I asked them to provide a wet signature prooving they had the authorioty to collect this debtwhi h they hadn't responede too They also sent me a letter stating that if I paid the full amount of {$740.00} that they had authorization from the original creditor to settle the debt in full they have been given authorization by the original creditor to remove the collections account from my credit report. I called the original creditor whi h is Balfor and they stated they gave no such autorization as the debt has been sold to the collector MERCHANTS AND PROFESSIONAL | XXXX. To my understanding it is not good practice for a collections agency to offer this in an effort to get me to pay a debt where the information on this account is not accurate. the inaccuracy is the amount being owed. My rights have been violated and I would like help getting this account remofved from my credit reports. Please find the attached letter where they stated they had authorization to pay for delete from the alleged original creditor which is a false statement to collect a debt XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to request a cease and desist order on shellpoint mortgage and Transunion, XXXX  and XXXX  for violations of the CARES ACT protections. 
XXXX XXXX  is my mortgage lender # XXXX I am in an active approved forbearance under the CARES ACT. 
Transunion, XXXX, and XXXX  credit agencies are reporting various balance increases on my XXXX XXXX, removing the items and re-entering different balance increases. 

Each of these entries results in an increase in my XXXX score and a change in my debt to income ratio. This behavior is a direct violation of the CARES ACT of XX/XX/2020. 

The result is my credit report says I am increasing an existing line of credit by {$12000.00} during a pandemic and while I am looking for employment. 

XXXX XX/XX/XXXXsuggested that I write a letter to the credit bureaus to correct the incorrect entries. 

The credit bureaus are non responsive and suggest I file an investigation which will allow XXXX XX/XX/XXXX30 days to remove any derogatory items from my report. XXXX responded that they are not making the entries. 

I am actively seeking work and my credit report is used as a reference to my character! 

This can not wait 30 days! 

I am asking for all credit bureaus to be forced to adhere to the CARES ACT provision of not reporting anything concerning a clients participation in the forbearance program. 

NOTE : They are not saying that I am 30 days or 60 days late they are saying that I am increasing my balance by the amount of the forberrance which has been input in the amounts of {$4200.00} and {$12000.00} which are substantial amounts of increases in a persons credit or debt and they are reducing my credit score as a result!

I am trying to gain suitable employment and these acts are irectly impacting my ability to do so. This is what Congress intended to avoid with the stipulation that no negative credit reporting will occur if I was approved for this program.

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 2020-11-12 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I initially contacted my creditor in which I knew I was under a program due to my financial situation. My creditor told me to contact Innovis ( who states they are like a 4th credit bureau ), and request the most recent documents from the creditors they were listing on the report. After being put on hold for several times, the representative instructed me to go back to my creditors and request the documents. I knew the company was not legit because they only reported 2 accounts and amounts were incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with Santander Consumer USA that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, a missing field of usage, original balance, past due amount, and an inaccurate date of last update. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters was collecting for a payday loan balance. 
I called them to pay, and their collection agent promised me that they would delete the collection from my credit report at all credit bureaus if I paid the collection. 
All I had to do was dispute it through the credit bureaus after I paid them. 
So I paid National Credit Adjusters and I have disputed it multiple times through the credit bureaus but National Credit Adjusters refuses to delete this account, even after their collection agent promised they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I had XXXX XXXX package with Internet, Phone, and Cable/ TV. The XXXX workers went on strike during the period when my services went out. I made several calls to XXXX and they kept promising to send the technicians out to repair the problem. After failing to repair the problem over a two month period, I cancelled the service and obtained new services from another provider. 

I disputed the charges with XXXX ; however, they reported the bill to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.

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 2020-11-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to XXXX XXXX XXXX and all 3 credit bureaus. My account has 7 inaccuracies. It is well over 30 days again and the account still has 7 accuracies and nothing has been updated or removed.

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 2020-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Customer paid through XXXX and they are holding the money. It has been 9 days and we can not get in touch with them by phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
I refinanced my home with XXXX XXXX  on XX/XX/XXXX who told me at closing that they did not set up an escrow account and all I had to do was contact United Wholesale Mortgage after closing and have them set up the escrow account. On XX/XX/XXXX, I called UWM to set up the account, was told to email over several documents, which I sent all of them. They said it would take a couple weeks. I contacted UWM again when I did not receive anything. I was then told to upload them in their message center. I couldn't do this. I called again and was told no, I had to send them US mail. On another call, I was told they had my documents but no one had attached them to my account. Another call, I was told the same and this person assured me he attached them. Now I was given a work order date that it had to be completed by XX/XX/XXXX. More calls and online chats for over a week and nothing was being worked on it. I called again XX/XX/XXXX and was now told they were waiting for a Solid Waste bill. This was the first time I had heard of this and I'm not sure why they would need a Solid Waste Bill to pay taxes and insurance? I explained to him that I do not pay any solid waste. The HOA pays it all. He notated the account and told me to call back today ( XX/XX/XXXX ) and see if it was ok 'd. Today I receive another letter in the mail asking for the same original documents they received in XXXX. ( This has happened several times. ) I called back and was hung up on, then tried chat and was disconnected. I just spoke to another rep who said everything is still pending. I asked to speak with a supervisor for the 4th time and she said they will call in 48 hours. I have asked 3 times previously for a supervisor .... 2x no return call ... 1x they called and left a message with the only call back number being to call customer service. No return call. I just had to pay my real estate taxes myself as this has been tied up for the past 2-1/2 months. There is no interest on their part of setting up an escrow account. Customer service is horrible and no one seems to know what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
Dear officer, I am reaching out to you to complain about bad and unethical practices of mortgage lender " Interactive Mortgage '' and seeking help from you to get the justice. 
Through a reference, I approached Interactive Mortgage for refinancing my home mortgage.They offered me a rate of 1.99 % ( 15 years fixed ) without any contingencies after talking to me. They asked to fill the application and also they told me that they would pull my credit. Before I gave my consent for pulling credit, I asked for rate confirmation and they said " yes. They did not mention any contingencies on the rate. I did all the paperwork and sent the documents on XXXX. They told me that thy would would comeback after 20 days. I reminded once on XXXX and they came back on XXXX. They sent closing disclosures for signatures. 
I signed and before sending, I went every piece of information. I realized that they increased the rate to 2.125 % without notifying me. I believe that it Is not at all a good practice by any means. Who with good business ethics would send closing disclosure with increased rate without discussing with borrower? They have confirmed the rate without any contingencies before pulling my credit and before I spent time to do all the paper work. 

I mailed back them asking why did they increase the rate. They mentioned apprised value of the house do not qualify for that rate. My loan amount is XXXX. My home is appraised for $ XXXX by the agency sent by them. If that is the case, that should be a contingency before I spent time for all the paper work and my credit is pulled. They are saying that I filled XXXX as approximate home value. How would I know the my home value? Now a days, lot of people check XXXX for the latest home value estimates which shows XXXX. Since I spent lot of money for renovation, I gave approximate value $ XXXX. They are taking this as excuse to increase the rate. 
If they had put this as contingency before conforming the rate, doing all paper work and pulling my credit, I wouldt have proceeded with them since I had alternatives at that point of time. Since I lost time and competitive advantage because of their bad business practices, I would request to intervene and do the needful. 

Thank you for your time and service.

Company response to consumer: Closed with non-monetary relief