vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was not told about the foreclosure date nor was I informed. I called the bank and had an understanding that we will fix the unpaid balance as soon as I finalized the divorce proceedings. I am still protected under the scra ( Soldier Civil Relief Act ) but they  already foreclosed my home. I have tried calling them.Theyy took my property out of the house I don't know if they put it on storage or what happened to it. I was under a judge orders restricted to enter my house and was waiting the final decision to return to my house but the bank took control and changed the locks to the lthouse the realtor in charge send some pics of the remainder of my stuff still held in the garage but I call the new realtor selling my house and was told they got rid of all my property I was not even evicted. I have the money to continue making the payments but they are not making any attempt to settle and rather foreclosed on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/2018, I received a letter Key Bank advising me they were closing my Checking, Savings and Safe Deposit Box on XX/XX/2018 Key Bank stated the reason for this closure was my account relationship posed excessive risk to the bank, therefore they were closing everything in 30 days. 

I have made every attempt to figure out what was going on. I have never had a returned checked, overdraft on my account nothing. At one point I was depositing over close to {$15000.00} a month into this a account and never had a problem. So this came as a huge surprise. 

I contacted XXXX XXXX XXXX and they finally narrowed it down to a transaction onvXX/XX/2018 : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

I have the Bank Manager at the local Key Bank near me and was they saw no problems with the transactions that happened on XX/XX/2018. 
The information Key Bank is reporting is completely incorrect and is preventing me from opening another bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: MO

Complaint narrative:
I closed my student loan accounts with " XXXX '' after I consolidated my loans with a new company. So now my loans are consolidated with a new company, I called Experian to notify them that they are violating FCRA guidelines by displaying false and inaccurate info about me in my credit file. Experian said they didn't care and hung up in my face. I disputed the inaccuracies hundreds of times and Experian continues to display them in my credit file. Now Experian has denied me the right to dispute any inaccuracies on my credit file without sending me a frivolous dispute letter which is once again against the law. The only thing I can do now is contact the attorney general, CFPB and a private attorney. Experian has a too big to fail attitude and they are climbing up the ladder to success by stepping on the backs of hard working Americans. Experian is responsible for billions of inaccuracies and they have the attitude of " we don't care as long as we can earn a profit by violating FCRA guidelines ''. Anybody that calls and disputes inaccuracies is treated like a liar by Experian.

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Transunion. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately

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 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a dispute with Wells Fargo Bank in regards to multiple unauthorized charges by ex boyfriend who maliciously stole all my bank information to pay for car insurance and car payments with out my knowledge I have been getting nothing but the run around by this bank institution. Might I add this mans name was not on my account and we are not married. When I closed the account they charged me XXXX dollars to close my account for fraudulent transactions made by ex boyfriend.

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 2018-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
My name is XXXX XXXX, I reside at XXXX XXXX XXXX in XXXX, RI XXXX my loan number is XXXX back in XXXX I start an assumption with Nationstar. and then Mr. Cooper took over my loan. I have been divorced and have resided in the home since my divorce in XXXX. My x moved out in XXXX My X XXXX has not paid one cent into the home. In the last several years I have paid off all our debit including a HELOC loan that we both took out. I took XXXX back to court and he signed a quit claim deed and it is court ordered that I remove his name from the mortgage by XX/XX/XXXX. I was told by Mr. Cooper in XX/XX/XXXX that I would have to start an assumption process again. In XXXX I was sent to the wrong department and then realized it wasn't the Assumption Department. I have paid all my and XXXX debt to assume the home, even paying a HELOC loan off so that I can assume the home. I've been working with several staff members and have spoken to at least 20 people ( have every name at home ) and after months of supplying Mr. Cooper will all documentation I was denied the assumption due to debt to ratio. I was told I cant afford the payment on the home the very Home Ive been paying it for 10 yearsI last spoke with a XXXX XXXX an employee of Mr. Cooper I wanted to know the following. I am receiving money from my retirement on a montly basis for the rest of my life starting in XXXX of this year which will increase my pay and trade in my car for a loan of {$200.00} instead of {$450.00} lease which is now, can I get the assumption. These two things will take me way under the debt to ratio. the answer to me was they could not make a decision until I apply again. This is detrimental to me, if I do not get this assumption I will have to sell my home, the very home that I have been paying the mortgage on for the last 10 years. I also, don't want to change my vehicle only to be told that I still cant get the assumption. How can they tell me I cant afford it when Ive been affording it for 10 years. I will have to move. As this is going on interst rates are rising. Can you understand how life changing this is. I am asking that you review my file. My phone number is XXXX email XXXX. 

Thanking you in advance XXXX XXXX, XXXX Account Manager XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, RI XXXX XXXX : XXXX XXXX Fax : XXXX The best compliment anyone can give me is a Referral.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: MO

Complaint narrative:
I have previously sent a complaint with you and nothing happen company still has not removed inquires it has been well over thirty days and nothing is done

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 2018-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I filed chapter XXXX bankruptcy many years ago. 
Chase never showed up at court and never affirmed the debt. 
They are in the process of collecting documents to modify the loan but yet start foreclosure while we are in the process. 
This is just wrong since that would make myself and my Mother, who is suffering from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: MO

Complaint narrative:
I have previously sent a complaint with you and nothing happen company still has not removed inquires it has been well over thirty days and nothing is done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: MO

Complaint narrative:
I have previously sent a complaint with you and nothing happen company still has not removed inquires it has been well over thirty days and nothing is done

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Equifax. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX I was transferred to Well Fargo Bank as a re-finance.I was current status until XXXX XXXX. I was experiencing grave hardship.!. the mortgage escalated through flood insurance coverage.2.loss of income. ( stock market crash hit my chosen career hard from 2008. ) 3. loss of child support. The bank has written to me their intention to assist me and avoid foreclosure, but every time I pleaded for mercy and assisstance, it was a denial or an obstacle.I petitioned the Home Preservation Team XXXX. These dates fall into the time line of the news story that broke on XXXXLoan modification applicants may have been pushed into foreclosure by a computer error.There was a court hearing in XXXX, N.J . on XXXX XXXX.Honorable Judge XXXX XXXX ruled a temporary extension to an eviction through The Sheriiff Dept.of XXXX XXXX.Wells Fargo bought the house back. I believe there is a way to negotiate and rescind the property back to myself.This is an urgent matter.Enclosed documents.

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 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I need a coy of my report because there are addresses and information that is not correct on my credit report. My name is XXXX XXXX XXXX. Please remove any other variations of my name. I had issues of my personal information being compromised.My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove the following address they are not mines. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
Criminal record is in accurate all records belong to a different party/person. The background check was made using first name and date of birth which brought up multiple felonies. I have supporting documents of having no such record. One of the charges was a recent XXXX which would mean I would have to be incarcerated which I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I lost my credit card on my way to XXXX. As soon as I got there, I canceled the card and asked for an emergency replacement card under the terms of my XXXX agreement, as follows : The following statement was taken from the XXXX web site : If your card is lost, stolen, damaged or compromised, we will work with your financial institution to approve and expedite the delivery of an emergency card to you. XXXX XXXX XXXX XXXX XXXX XXXX are on stand-by. Call us toll free ( XXXX ) or call one of our global toll-free-numbers. 

I tried over and over again for 7 days to get a replacement card. XXXX could only tell me that TD Bank had not yet approved it. TD Bank said it was waiting approval. After a week, TD Bank said my request was denied and was unable to provide any reason for the denial, or any person who could explain it. This seems totally wrong for a person who has not had any late payments in over 25 years and has an XXXX credit rating to be treated this way. If they had provided a reason, I could have corrected any misinformation they may have had, and gotten the replacement card. 

As a result of TD Banks refusal to replace my credit card, I was later erroneously charged {$330.00} from a car rental company who was never willing to provide me with a car. 

When I returned from XXXX, I contested the charge for the rental car and {$330.00} was taken off my bill on XX/XX/2018, after which I sent TD Bank 3 different sets of information supporting my chargeback claim. 

On XX/XX/XXXX, the charge was reposted to my account. I was about to file a formal complaint at that time, but on XX/XX/XXXX, I was sent a letter stating that the dispute was resolved in my favor. However, to this day, they have refused to credit back my {$330.00}. It has been 23 days since the dispute was resolved in my favor. I called on XX/XX/XXXX and was told I would have to wait another 3 or 4 days. 

Today ( XX/XX/18 ), I spend an hour on the phone trying to get an answer. The answer I got was infuriating. I was told We made a mistake and you will get your refund within 14 days. That would be a total of 37 days that they have been holding my money without justification. I also have no reason to believe that they will honor the 14 day commitment. 

When I asked to speak to a supervisor, I was told that none were available, and one would call me back in 24 to 48 hours. I find this totally unacceptable when a charge appears on my account in less than 5 minutes, but it takes 37 days to return my money that they have because of their mistake. I was forced to pay them this money to avoid finance charges. 

So, I am asking for the immediate return of my {$330.00}, and that they pay a penalty to you or me for misappropriating my money and violating the terms of my XXXX agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have had a Capital One Platinum Card since XX/XX/2018. Since then I have made at least 9 payments, and while I use the card I pay completely on a regular basis. They have a step program for a credit line increase ( make 5 on time payments and receive a credit line increase guaranteed ) of which I have met. I can see the tracker on my online account. We are now approaching over a month in which my increase says it is still in process. Per Capital One I have met all the criteria, when I have called on 3 occasions, they have told me 3 different answers, and have lied at least twice. I have been told to wait, to request increase, and also spoken with a supervisor, all of which has not helped to process the increase that Capital One as acknowledged that I have earned PER THEIR OWN POLICY. I believe Capital One is projecting a false narrative, providing false documentation, and not honoring their own policy. Furthermore they advised me to manually apply for increase, and guaranteed increase ( recorded phone call ) which did not result in increase and constituted a credit hit whether soft or hard on my report ( detriment to my score ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
A XXXX XXXX " the Bank '' credit card was opened in my name without my permission as a result of my XXXX account being hacked. A purchase of {$2000.00} as made on the card without my permission. The fraud investigation process with XXXX XXXX is a joke. The claim was denied without the Bank even contacting me in person to gather facts. When I contacted the Bank to inquire of the claim status, they told me the claim was closed because I gave out my personal information ( so the card could be opened in my name ). That NEVER happened. I do not believe the Bank followed due diligence to fully investigate before denying my claims. The claim was just denied.

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 2018-08-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been trying to get this company to correct my information and to this day they have failed. I can not access my report at all because Equifax has so much incorrect information that I can not provide answers to the questions, they ask about things that I have never heard of or been involved with, and because of this my credit score is ridiculous, I can't do anything. I have called them and been told that even though I give them my personal information since I can't verify the items that have been reported from so called creditors they can not verify who I am, and since I can't verify who I am I can't get the report so I can file fraud charges and dispute the information. What really upsets me is that providing them with my name, my social security number, address, phone number and date of birth 3 of which are not capable of being altered is not good enough to prove who I am. Being required to use my SSN for identification which is actually illegal, should be more than enough along with my name and DOB. Their entire process is a joke, now I have been told I must send in copies of all my information to prove who I am. Their system keeps asking me about a mortgage loan from XX/XX/2015 and I have not taken out a mortgage loan or been associated with a mortgage loan in over 15 years, I have NO credit or department store cards or accounts and I have had no student loans in the past 10 years. I should not be punished or held responsible for their company collecting wrong information. I use XXXX XXXX and according to the information they have from Equifax I only have 3 accounts on that report and they are all closed. So, where are all these questions coming from?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
U. S.Bank denied me a signature loan for {$10000.00} dollars, they sented me a letter where in the letter it didn't tell me why exactly I was turned down only the credit bureau they used ( XXXX ) .Went to U.S.Bank XXXX Branch ( XXXX , Mo . XXXX ) and spoke with XXXX about my signature loan being denied ( {$10000.00} ) He said XXXX   turned me down so get your credit report and come in the branch when you get the credit report and we ( me and XXXX-U.S. Bank employee. ) will go over it .But I said " Didn't your underwriters turn me down for credit whats the reason, then he says " I'm not going to talk about your credit with you.So I still do not know why U.S. Bank denied my signature loan. 
Thanks 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