vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My insurance and auto loan is with USAA. My vehicle was totaled and I am being asked to send a signed and notarized POA and affidavit of correction, and I was told to leave it blank so they can make changes to it.I was told they do this all the time. As far as I know you cant make changes to notarized document and Im not comfortable signing and notarizing blank documents for them to fill out later when Im not even sure what Im agreeing to. I was told if I dont they will not payoff the loan, they currently have me in collections charging late fees cutting of my credit cards, and reporting to the bureaus. Ive attached the documents they sent and was told to just sign and notarize, but leave the rest blank, and that theyll fill it out and I can trust them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute with XXXX and TransUnion on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score.

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 2020-11-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute with XXXX and XXXX on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: VA

Complaint narrative:
Please remove the highlighted accounts from my credit report from your files. This is becoming a burden and it isn't fair.

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 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo who was ordered to repay customers they deceived by adding private insurance into loans they gave out. Sent me a letter last week asking me to cash a check they said they sent XX/XX/2020. All attempts to let this company know they never sent a check have resulted in excuses after excuses on why they haven't and can't send another repayment. 
I was a Wells Fargo loanee that was one of the many customers they deceived. 
How do I get Wells Fargo to stop playing around and fix their mistake that they were ordered to fix by a Federal judge? 
XXXX 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 2020-11-24 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: SC

Complaint narrative:
I started or was looking to start service with XXXX/XXXX XXXX XX/XX/2020. This process was initiated online and completed in the store. I contacted XXXX  for technical support and a representative started another account in my name. I called in to customer care several times and didn't receive any help, just kept being transferred from 1 department to another. 

Fast forward, early XXXX I received a notification from XXXX XXXX regarding a collection account. 

Trouble ticket # XXXX that was closed XX/XX/XXXX, confirms that they have the equipment for account # XXXX that wasn't authorized by me. 

Nice representative at XXXX  tried to help XX/XX/2020, but she said that she doesn't see where they reported anything to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CashMax LLC
State: TX

Complaint narrative:
I spoken with this company and their deceptive practice of giving the incorrect information saying I owe a different amount. I have to continuously correct them. I have spoken to countless reps and managers who keep providing misleading information and making misleading statements.

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 2020-11-24 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: VA

Complaint narrative:
Please remove the highlighted accounts from my credit report from your files. This is becoming a burden and it isn't fair.

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 2020-11-24 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: VA

Complaint narrative:
Please remove the highlighted accounts from my credit report from your files. This is becoming a burden and it isn't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2020- initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XX/XX/2020- Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2020- initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XX/XX/2020- Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same 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 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
Every month my statement comes later and later. My first payment was sent to my previous address and took over 3 weeks to reach me. Every month my statement is dated the XXXX of the month, I NEVER receive it before the XXXX or XXXX of the month. This month it is already the XXXX and I have NOT received my paper statement. I have called and all they want to do is take my payment over the phone or for me to do it online. I DID NOT sign up to do it that way - I want to make my payment in a timely manner through the USPS! They are making it almost impossible to do this since my payment is due on the XXXX of the month - I now only have 1 week to make my payment! If they have 'glitches ' in their mailing system, they need to address and CORRECT it! My payment is received and processed by them within 3 days of me mailing it - so I highly doubt that the issue is with the USPS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC
State: PA

Complaint narrative:
I recently found out that I had a debt of {$75.00} from XXXX XXXX XXXX from XXXX. I had no knowledge of this bill. XXXX XXXX notified me that I had a derogatory mark on my credit report and that is how I found out. This bill has now been paid in full, and I would like it removed from my credit report. If I had known I had a bill in XXXX I would have paid it. I have not lived at this address since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter. I do not know how this item ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that this account is mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
My monthly due date of Discover Credit Card is XXXX. I MANUALLY made a full payment of XXXX statement which was {$470.00} from my XXXXXX/XX/XXXX checking account on XX/XX/2020, however, Discovers system made an autopay on my XXXX XX/XX/XXXX checking account for full payment of my bill. It means therere 2 full payments for my XXXX statement, and I found both of their status were POSTED on XX/XX/2020. So I called Discovers hotline immediately and told their agent I only wanted to make one payment. They canceled one of those 2 full payments for me. I thought it was done for this case, until I found there was one more autopay from Discover with same amount for my statement was made on my XXXX XX/XX/XXXX checking account on XX/XX/2020. Then I called Discover immediately again, and asked whats going on. They told me their system found their first AUTO DEBIT from my account was unsuccessful, so this was systems second try automatically. But Ive fully paid my statement on XXXX. I dont know which payment you manually canceled one of them for me on XXXX, but now, my statement was fully paid. Before you system automatically debit for your second try, wouldnt your system check if the bill had been paid? Theres no public holidays or weekend during this period, your second debit was made after I had paid my bill 2 business days ago. Now, your second time debit made me have overdraw fee at XXXXXX/XX/XXXX which costs {$35.00}. Ive talked to XXXX XX/XX/XXXX but they wouldnt waive this fee for me. I called Discovers hotline and told an agent the whole story, she told me Discover wouldnt refund rewards which equals to {$35.00} to me. This is Discover systems bug, however, they need me to pay for their bug. I asked her extension or name, she rejected to provide any reference information to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I took out a CD for {$10000.00} in XXXX with XXXX XXXX. Interest rate XX/XX/XXXX%. Annual percentage yield XX/XX/XXXX %. Interest compounding daily. I HAVE the original CD receipt and all the original documents from when I took the CD out. In XXXX I attempted to collect my money back, and the bank was sold to Chase Bank. They told me my receipt is in the system that I in fact took out the CD, but because the bank is not required to keep records past 7 years, and the bank changed hands, I could not collect the money from the CD. It was lost! My money is gone. I spoke with a lawyer who advised that if the bank did not turn my CD to the state, and there is no record that I ever cashed in the CD, the bank is still supposed to honor my CD!!!! 

Parties involved are XXXX XXXX at XXXX XXXX - Wisconsin who I took my original CD out with in XXXX. On the CD it lists XXXX XXXX XX/XX/XXXXXXXX, XXXX and the date I created my CD XX/XX/XXXX. 

I filed a complaint with XXXX a manager at the main branch who took over the old bank branch in XXXX XXXX. His phone number XXXX. He said he would try to look further into what may have happened at the local branch. 

My case was assigned to case manager XXXX Chase Bank branch complaint escalation group you at XXXX extension XXXX and please ( reference case number XXXX ) who advised it was too many years since I took out the CD, the bank wasnt required to keep records, and there was a change of hands. My money is lost. 

I checked with the state. There is no record the funds were ever given to the state. 

A lawyer told me that is there is no record I ever collected the funds, the bank IS still required to honor my CD. 

Please help!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX my account was closed due to an error by unemployment and I had available remaining funds that was deposited into my account betweenXX/XX/XXXX from unemployment. I made few purchases and a withdrawal that day I had issues with chase prior with their online app banking and I filed varied complaints about not having access to my statements and how it goes blank that wasnt resolved at all. Finally on XX/XX/XXXX or XXXX I got a letter stating my account will be close if I dont show proper documentation of payments so I went to the nearest branch and spoke to a banking manager which they made a copy of both my statement and Id and still they closed my account do to error on unemployment who states the funds are mines if they dont release them either send it back to unemployment or give it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I have had several issues with the robinhood platform starting with XXXX XXXX outing on XX/XX/XXXX Robinhood had an outing that of which cost me at least XXXX dollars based on the trajectory of stocks that day that I intended to buy in, and sell out on. 

I brought this to Robinhoods attention, at one point via phone, they promised me a free Robinhood gold account, I at the time declined. 

around mid XXXX, my account was suddenly switched from a CASH account to an instant settlement account upon applying for options trading. I was never notified nor was it disclosed. 
At that point, I contacted Robinhood on several occasions, via email. 

they failed to respond promptly much less at all on several Ocassions, only to finally help me get it back to a cash account after loosing several hundred dollars. 

I let it go, despite asking for the robinhood gold in which they then refused and stated despite the outing they could not do anything about it. 

XX/XX/XXXX rolls around, I apply for ROBINHOOD GOLD trial. 
Yet again, without being notified or it being disclosed I was switched to a INSTANT TRANSFER account, not a cash account. 
I traded, and built up my limitation which then was looking at a 90 day trading ban if I were to continue trading. 

At this point I was stuck with bothXX/XX/XXXX and XXXX stock which peaked significantly higher than my buy price, but it gave me an error stating I was facing a ban, which is why I first realized I was no longer a CASH account, again without my knowledge. 

at this point I contacted customer service and they stated my funds will finish the XXXX and I could have it switch. 

the XXXX came, they said my funds were pending even though I showed none, as of now I tried to sell my XX/XX/XXXXand XXXX stock, but it gave an error stating I was still looking at a 90 day trade ban. 

I contacted them again and never received a response. 
the day after I received a message requesting my phone number for a call back in which I received. 

When he contact me I explained my very frustration and he promised my funds were clearing the XXXX and it would be put into a cash account at that point. 

no transactions were done other than a cancellation. 

today it stated my transactions are complete and still will not let me switch to a cash account. I have sent emails the XXXX, with no response today. I have sent emails today demanding a response with no response today over 30 hours later. 

This is a disgusting experience that has costed me thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX, 2020, CAPITAL ONE add a hard inquiriy on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2020, CAPITAL ONE BANK USA add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2020, CAP ONE NA add a hard inquiry on my credit report per XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XXXX Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same 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