vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
We have a VA loan through Veteran 's United. At the time of closing, XX/XX/XXXX, they were made aware that we were exempt from paying real estate taxes due to my husband being XXXX XXXX  XXXX. I forwarded a copy of our exemption letter from the county in XX/XX/XXXX. They explained to us that they would still need to collect money for taxes until they could verify this with the county,  they only verification they would accept was a tax bill, which would come in early XXXX. In XXXX, our tax bill came showing that we only owe {$12.00} for storm water and {$0.00} for taxes. In XXXX, the representative at Veterans United stated that issue would be resolved soon. I called again at the end of XXXX because I had not revived any correspondence from them. 
Today is XX/XX/XXXX. This issue still has not been resolved. When I log into my on-line account, it still shows that our Mortgage payment is {$1700.00}. Today, I spoke with a representative who stated that we will once again need to pay the full amount for XXXX, even though they now have the paperwork stating that we do not owe any taxes. Our escrow account is currently at {$2100.00}. The representative told me today that we would still need to pay over {$100.00} a month for escrow. Our insurance payment is {$400.00} per year. When asked why they would collect over {$1200.00} a year to make a {$400.00} payment he was unable to give an answer. He added that we would get an overage check sometime in XXXX but was unable to tell me an amount or date. I have called and asked about the escrow account on several occasions and am always told that someone " will look into it and call back ''. I am never given a straight answer about the account or the money owed back to us. At closing we were also charged prepaid taxes in the amount of {$480.00}, for XXXX and XX/XX/XXXX, which they knew of our exemption at that time also. When I asked about this money, I was told they knew nothing about it. I am deeply concerned about their treatment of veterans and the financial practices at Veteran 's United and would like this looked into.

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 2020-05-07 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: CA

Complaint narrative:
Experian should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX and Equifax have both made errors reporting and reviewing my credit report. The bureau and the credit union have both overlooked two 30 day late payments that are inaccurate for the months of XXXX & XX/XX/XXXX. I have proof that both payments were submitted and transferred from my checking account before the 30 day mark was hit for both months. I also have proof that these errors on the reporting were caused by the employees of XXXX XXXX XXXX XXXX. 

An error was made by failing to update my ACH payment date & account which caused this problem. After I had submitted new paperwork to update the ACH account, they still made attempts to withdrawal from my saving instead of my checking. Finally after XX/XX/XXXX they decided to finally fix the issue. 

They wrongfully tried to withdrawal money from my savings account for the month of XX/XX/XXXX which is included in the attachments. In XXXX I received a phone call that the payment was overdue, and needed to be submitted due to this issue. I submitted payment on the XXXX along with the new ACH form and they only finally withdrew the amount on XX/XX/XXXX. They then attempted to withdraw from my savings again on XX/XX/XXXX and then finally for some reason withdrew my payment on XX/XX/XXXX for the month of XXXX. 

The payments are scheduled to be withdrawn on the XXXX of each month. Even though they decided to wait until after the XXXX holiday to withdrawal my payment for XXXX ( which was submitted on the XXXX ) the payment finally landed on XX/XX/XXXX due to their error. The XX/XX/XXXX payment requires little explanation as that falls nowhere near the 30 day mark since it was withdrawn on the XXXX. 

I have recently filed two different disputes over this same issue. The first dispute was filed XX/XX/XXXX, the second dispute was filed on XX/XX/XXXX. Both times the dispute was found to be inaccurate by bureaus and the credit union and they have not changed the notices on my report. I have sent the bureau and the agencies these pictures as well but have had no luck with the change. I have directly contacted the credit union multiple times via email & phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX applied for private loans on my behalf without disclosing the information. The loans are well over 7 years old and should be removed, however, they've appeared on my credit report. The debtor participated in illegal collection tactics by calling my employer and routed to the call center. Each day a different peer of mine reached out to let me know XXXX call. The entire call center was aware that I had student loan debt in XXXX. I entered a borrower 's defense claim in XXXX due to unfair practices. XXXX XXXX XXXX never helped me find a job as promised, instead listed my current job with my current employer as job placement. I still don't make the XXXX a year salary that was promised when I enrolled. I attempted to consolidate my loans after XXXX, the collection agency began to call my job and talk to everyone about the debt. XXXX only consolidated a portion of my loans and left others out. I was under the impression that I was paying on all of my loans and later found out that the private loans were charged off. Made no sense. If I couldn't consolidate them all then why bother with consolidation. Since then, I've been following up on the Borrower 's Defense claim for 4 years only to be told that my claim is still being reviewed. I've been included in 2 class action lawsuits. One for improper collection activity and the other for Borrower 's defense. Yet XXXX continues to report every month to the collection agencies of bad debt when I've been working for 4 years to resolve the matter. This issue has prevented me from being able to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NJ

Complaint narrative:
Due to the corona virus pandemic the government stopped student loan garnishments out of paycheck way back in XXXX until XX/XX/XXXX. As of XX/XX/XXXX they have not stopped taking money out of my check and they refuse to answer call in regards to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XX/XX/XXXX I walk into my bank for 7 years. New work XXXX women is working in there. She basically profile me and said she or her manager couldnt cash the check for only XXXX dollars. I feel racial neglected and profiled store is on XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Per my first complaint regarding this exact same issue : I informed XXXX XXXX   back on XX/XX/XXXX ( email attached ) that I could not access my account via their website nor the mobile app. I also informed them that when I called in, the telephone agent could not authenticate me because he alleged that my answers to the security question was incorrect. They responded on XXXX XXXX, XXXX ( email + letter attached ), giving me the same customer service number I called to make the payment, saying that I needed to call in to update my address. You can see how cyclical the request is. All I know is that my account with XXXX was reported closed and late and the avenues I had to make payments ( aside from mailing them in ), were closed. This wouldn't be the first time agents at this number alleged they could not authenticate me. That is why I mainly communicate with XXXX bank via email to XXXX. Their calls to the main customer service number are routed outside of the USA and I have never had any luck in getting account information through that number. I did mail in a {$100.00} payment XX/XX/XXXX. I have yet to receive a final statement from XXXX Bank and have received no receipt of that mailed in payment ( again, my mobile app and website access has been revoked ). They have reported yet another late payment for ( XX/XX/XXXX ) to the bureaus but have refused me access to even view what I owe and a breakdown of the charges. I will not make payments on an account for which I am being refused statements. 

As of the date of this complaint, I have yet to receive a final statement nor confirmation of any of my mailed in payments to XXXX. I have mailed in money order payments the first week of each month, guessing what the minimum due is. It appears XXXX is reporting a missed payment for XXXX and XXXX on my credit reports - despite, as aforementioned, revoking my online account access and refusing me access to a final statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per my first complaint regarding this exact same issue : I informed XXXX Bank back on XX/XX/XXXX ( email attached ) that I could not access my account via their website nor the mobile app. I also informed them that when I called in, the telephone agent could not authenticate me because he alleged that my answers to the security question was incorrect. They responded on XXXX XXXX, XXXX ( email + letter attached ), giving me the same customer service number I called to make the payment, saying that I needed to call in to update my address. You can see how cyclical the request is. All I know is that my account with XXXX was reported closed and late and the avenues I had to make payments ( aside from mailing them in ), were closed. This wouldn't be the first time agents at this number alleged they could not authenticate me. That is why I mainly communicate with XXXX bank via email to XXXX. Their calls to the main customer service number are routed outside of the USA and I have never had any luck in getting account information through that number. I did mail in a {$100.00} payment XX/XX/XXXX. I have yet to receive a final statement from XXXX Bank and have received no receipt of that mailed in payment ( again, my mobile app and website access has been revoked ). They have reported yet another late payment for ( XX/XX/XXXX ) to the bureaus but have refused me access to even view what I owe and a breakdown of the charges. I will not make payments on an account for which I am being refused statements. 

As of the date of this complaint, I have yet to receive a final statement nor confirmation of any of my mailed in payments to XXXX. I have mailed in money order payments the first week of each month, guessing what the minimum due is. It appears XXXX is reporting a missed payment for XXXX and XXXX on my credit reports - despite, as aforementioned, revoking my online account access and refusing me access to a final statement.

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Technologies, Inc.
State: GA

Complaint narrative:
XXXX XXXX used Credit Technologies to Run a Tri-merge Report as required doing the Mortgage Underwriting Process. On XX/XX/2020 I called Credit Technologies Reporting department, I spoke with this XXXX XXXX, I gave her my name, Social Security number whereby she could retrieve the entire Tri-merge file and either Upload and email docs, but rather XXXX XXXX hung up as to say she wasnt Releasing my Tri-merge file. So Im exercising my Rights as a XXXX Consumer by calling on you the CFPB, Consumer Financial Protection Bureau for assistance with this foolishness!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
So I paid off my charged card on XX/XX/2020. WHich left my card with a balance of XXXX. 

Well since my usage privileges has been suspended on the card, I haven't been able to use it. 

Still I logon today and see they have charged me purchase interest and past due fees on a card with a XXXX balance? That makes no sense to charge fees on a XXXX balance. 

I am unable to use my card due to Capital One charging me {$8.00} in fees. Then I was told by XXXX to pay the {$8.00} then I could use my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The previous choices in your system are not applicable to what happened to me. I spoke to XXXX in your office today. He provided excellent service & information. This case involves theft from my personal checking account & incompetence by two banks. Three transactions against my personal checking account were made by a person using a fraudulent / counterfeit check ( s ). 1st --  On XX/XX/2019 -- Bank of America cashed/ & /or deposited a check # XXXX - a counterfeit check for {$100.00} ... .identical to a legitimate check # XXXX which posted on XX/XX/2019. Essentially the check # XXXX never existed from my check book ... as my highest checks are XXXX 's ... only. The criminal changed the - " 3 '' in the check number ... .to an - " 8 '' -- Everything else about this  check was identical to the original check # XXXX .... except the - " 3 '' - in the check number was changed to an - " 8 '' - to attempt to  present a new & independent check ... .however this check was indeed a fake check. ~ 2nd ... AGAIN - On XX/XX/2019 -- Bank of America cashed/ & /or deposited a check # XXXX - a counterfeit check for {$100.00} ... identical to a legitimate check # XXXX which posted on XX/XX/2019. Again, the - " 3 '' in the check number was changed to an - " 8 '' ... ..by the person cashing ... & /or depositing check # XXXX - which posted on - XXXX, XXXX, 2019. 3rd -- The same fraud was achieved again with no interruption / detection by Bank of America & /or my bank -- XXXX XXXX . The 3rd check # - XXXX -- was posted on - XX/XX/2019 - for {$100.00} In total 3 checks = {$300.00} stolen from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I am in the process of applying for loan forgiveness through the Public Service Loan Forgiveness program. FedLoans has an incorrect payment count. I have all payment receipts, as well as bank statements indicating payment. I have requested a review through FedLoans with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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: IL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible

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 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My bank, USAA, closed my account and charged off my credit with no warning or reason given for the closure of my account. Furthermore, they asked me to write a letter explaining my problems ( losing my job and XXXX XXXX issues ) only to find out there was never any way to reopen that account. They continue to negatively affect my credit while not giving me any recourse for paying off my remaining credit card debt and sending me to collections if my payment is only 1 day late. I feel as though I am being discriminated against because I am struggling financially. USAA continues to give me no reason for the closure and generally treats me like trash when I attempt to gain insight into the issue. I was a USAA member for 17 years! They email me things saying they will support people during these times, but none of these services have been applied to me. I would like some assistance in fighting this and repairing my credit. Again, I feel like this is unnecessarily being done to me, and I still to this day have no idea why my accounts were closed. I don't have any documents or dates at this time as I am displaced during the virus but I can share those at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery Assoc XXXX - This debt is past the statute of limitations and should no longer be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XX/XX/2019 XXXX XXXX, REPORTED ACCOUNT ABUSE on ChexSystems. I had direct deposit every other Friday  on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the ChexSystems.

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 2020-05-07 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: Credit Plus Inc
State: MO

Complaint narrative:
On XX/XX/2019, Credit Plus ran a hard inquiry on my SSN. I did not authorize this hard inquiry and need it removed from my credit report.

Company response to consumer: Closed with explanation