vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
United Services Automobile Association ( USAA ) routinely reports information that should not be included in the XXXX XXXX XXXX XXXX ( XXXX ) report ( XXXX ) and the XXXX XXXX XXXX XXXX ( XXXX ) report ( XXXX ). Insurance is usually regulated by each state and I am a resident of the State of Texas where the statute specifically states : " Sec. 563.002. REPORTING TO CLAIMS DATABASE. An insurer or an insurer 's agent may not report to a claims database information regarding an inquiry by an insured regarding coverage provided under a personal automobile insurance policy or a residential property insurance policy unless and until the insured files a claim under the policy. '' I've requested copies of my reports from both companies and there are numerous entries where I made a routine inquiry about my policy, reported a non-damage incident ( not at fault ), and found a duplicate entry. I've contacted USAA to inquire about the report and request it be updated to reflect accurate information. Their representative did not know how to do that but did provide a detailed description of the entries I am disputing ( attached ).

I assert USAA is deliberately doing this to manage the different risk pools within their operating companies. Originally, USAA served military officers and the associated risk of that member population was relatively low. Over the years, USAA now allows membership based on military service and family relationships. Their risk level has risen to a level equal to other insurers. I have gotten several insurance quotes from other companies and they have consistently been above my current premium in the amount of {$1500.00} - {$2000.00} a year. This seems very high considering the number of actual claims I've had over the years. Other USAA members who are placed in a higher risk category and underwritten by a different operating company routinely report their premiums are being raised arbitrarily and they have gotten the same coverage elsewhere at a lower premium. 

My assertion is that USAA deliberately places ALL information on the claims reports in order to keep low-risk members ( who won't be able to find a better premium elsewhere ) and force high-risk members away ( USAA raises their rates, but they find lower premiums elsewhere ). 

I have detailed information for each claim I am disputing that I can provide.

Although this may not be a usual complaint regarding financial products, it is a " Consumer Report '' covered under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I had a fraud alert added to my personal credit report it was due to fall off/ be removed on XX/XX/XXXX. I contacted the XXXX XXXX  to apply for a credit card and was told that the fraud alert was still there. I tried to reach out to customer service and cooperate and all I kept getting is the run-around there was no real person I could talk to

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 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional finance XXXX Texas keeps calling my work And its unethical I told them Im not allowed to take personal calls at work They call everyday I wan na put a complaint on them! 

They are rude and aggressive They call me at work I have proof they call me everyday on my phone And proof they call my work everyday Its annoying my work is getting mad I dont even answer the call anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a current 30-year mortgage with Bank of America ( BOA ). The interest rate is 4.5 %. My FICO credit score is XXXX. I have paid off my student debt and car loan so the only debt I have is the mortgage. 

About a month ago, with interest rates falling, I applied to BOA for a re-finance quote. They quoted me 4 %. I thought that was high, so I did some research online and obtained a 3.375 % quote from another lender. BOA asked for the opportunity to match the rate and said it would be easier for me to remain with them since it would be less paperwork and more convenient. Stupidly, I agreed and told the other lender that I would not be taking their offer. 

During the following weeks, BOA sent me Closing Disclosures ( CD ) that showed they would pay me {$630.00} at closing ( see attached ). The last one I received was on Wednesday, XX/XX/XXXX. Because I work a regular XXXX - XXXX job, BOA scheduled my closing for XXXX yesterday, XX/XX/XXXX at my home. When the closing agent arrived he gave me a CD that showed I needed to pay $ XXXX at closing. I was shocked. I am not a drug dealer so I don't have that money lying around at home. I called BOA and spoke to the loan manager ( " XXXX '' ) and she said it was for property taxes. However, that amount was significantly higher than the amount quoted in the XX/XX/XXXX CD.  Additionally, in none of the many email and phone correspondences between me and BOA from XX/XX/XXXX -XX/XX/XXXX, NOT ONCE did anyone mentioned that I need to bring any money to closing. Needless to say, I was unable to do the closing and will be cancelling the re-finance application and taking my business elsewhere. 

I noticed today that interest rates have now gone back up. 

I strongly believe that BOA knew that could not truly match the rate of the other lender and resorted to a " bait and switch '' scheme to entrap me. 

How is this fair? How is this remotely honest? Is there any remedy or options to punish BOA for engaging in this practice?

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 2019-09-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on XX/XX/XXXX Got a letter from Experian telling me I could not get a credit because of insufficient credit am XXXX years old have had credit for at lest 20 yrs, next was Level of Deliquency ihave none ratio delinquencies to in come that is wrong. Please help

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 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
They are attempting collect a utility debt on a house that I no longer own. I told them the house was tax foreclosed on over 5yrs ago. I believe the tenant left the bill after squatting in the house after it was foreclosed on. They said that I was still responsible even though the City of XXXX took ownership of the property while preparing for a tax sale.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/19 I get a email alert that a collection account was re-inserted on my credit report of which it was deleted back in XX/XX/XXXX which is against the FCRA law to delete and then re-insert a item back on to a consumer 's credit report.

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 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
On XX/XX/2019 I received an alert on my credit report of an debt for XXXX XXXX   of XXXX that I didnt no anything about this is a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Attached you will find the XX/XX/2019 results of TransUnion. They DID NOT validate or verify the four XXXX XXXX accounts that should have been removed a long time ago from my report. You will see letters from XXXX XXXX stating they don't have a copy of original contract, signature, video or phone of me asking for a line of credit and asking ME for more information. So how is it that TransUnion can validate or verify the accuracy of their reporting? In addition, I have attached proof that a judge signed off and this is NOT allowed to be on my credit report. Under the FCRA/623, " if the reporting is not 100 % accurate, it has to be removed ''. In addition, I am entitled to {$1000.00} per wrong information reported on my report. And furthermore, under the FCRA, these accounts can not be reported with a BALANCE, which should read {$0.00}, and for this reason alone all accounts HAVE TO BE REMOVED IMMEDIATELY. 

This is not a duplicate report and needs to be fixed. I have been pursing the removal of these account since going in front of judge XXXX XXXX. Trans Union is the ONLY company who refuses to remove these accounts. XXXX and XXXX have removed them.

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I spoke with a customer service representative in Mid XX/XX/XXXX about the excessive fees charge to my account, and she said that she removed about {$70.00} from the account and I paid off the balance in the card. Yesterday, XX/XX/XXXX, I received another bill with a balance of {$140.00}. When I called the company another customer service representative told the previous representative did not or could not really do that even though the transaction was noted in my account. He practically told me I have to pay about {$200.00} fees into my account. Second the company added a fee to the account on XX/XX/2019 when I received the bill on XX/XX/2019. 
In XX/XX/XXXX, not certain of the date another customer representative told me the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
PHH mortgage company XXXX This mortgage company obtained our loan from another loan servicing company. We have never received any statements, any information Whatsoever from this company. They had our mailing address wrong and no phone number in the system. They refuse to work with me to develop a repayment plan on back mortgage, even when offering to make two payments right away upfront. 

This company has posted my home as a foreclosure sale without a 30 day notice. They are refusing to work with me on a loan modification and or replacement plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I filed a complaint on XX/XX/2019 with Transunion regarding information placed on my credit bureau that was never properly verified. This is my last request for proper verification before filing a lawsuit against Transunion. I have requested a proper investigation into a dispute of XXXX. Transunion continues to update my report as verified as accurate. They have not showed me any documentation of verification, no contract or anything with my signature attached. I have filed numerous disputes as well as submitted a complaint with CFPB. I received an updated credit report after filing a complaint stating verified as accurate again with no proof of verification attached.

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 2019-09-25 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: TX

Complaint narrative:
There is a Bankrupcty reporting on my credit report that does not belong to me and the credit bureaus have said it is verified as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD bank holds account deposits for an long time, they do not allow the money to be available to you according to their policy, their policy states that the first XXXX would be available and the rest of the amount up to XXXX will be available the next business day. This isn't case, they do not deposit checks in a timely manner, they will then clear a check and post it to the account to reflect the same date as deposit while adding additional fees. Our accounts have suffered numerous over draft fees because of them holding checks on an existing account through them for over a year. The deny cash with drawls on the accounts along with Not processing checks- I have had to call in a panic because the funds have taken an extensive amount of time and i was unable to get my medications. I have tried to reach for a resolution with them and i have not gotten anywhere they refuse to change any of this and consistantly blame this on the " Back Office '' stating they dont have control- They have also Made " Authorized phone transfers from one account to another with out speaking with my husband or i they jsut removed money from an account with out our permission. ) we never authorized a phone transfer to clear account from being negative as i was waiting in your company to release my funds. MY ACCOUNT wouldn't have been in a negative state because of your " polices '' THIS IS FOR ALL 3 accounts that are listed on this complaint. I want all accounts to be combed though and all fees returned. as your poor business has cost us a lot of hard ship.

I would like this investigated ( this bank TD bank has had numerous Class action lawsuits against them for excessive fees ) I believe what they're doing is illegal and i would like a proper resolution fees and penalties and money returned. 

An example would be deposit on XX/XX/XXXX XXXX XXXX not available- on XX/XX/XXXX XXXX was added for over draft. but the account wasn't over drawn. once the check cleared it reflected the XX/XX/2019 date. 
statements and notices are attached. this has been going on for a year. you will be that the fees are not for out fault but for the company as these charges were cleared. 


they decide what to pay and when to pay it on their terms so see how much they can make off of a fee. they will deny a XXXX transaction but they will approve 5 small transactions so they can assess more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have been trying to get this removed from my credit report as this is not mine. I have requested verification that this is my debt and they continue to send me responses that they have verified my debt but it is not mine. I have sent 5 letters and I do not know what else to do. They can not produce anything with my signature on it and no contract! This is not my account and it is reflecting poorly causing a low credit score and I need help getting this removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay Bank, To Whom It May Concern, My credit report indicates a hard inquiry by " BrclysBankDE ''. It is my understanding this is Barclay Bank and affilated companies.

For the record, I have never done business with any of your companies. I have not made any requests for credit with any of your companies. I do not understand why your businesses would place a hard inquiry on my credit report. This company pulled my report on XX/XX/2019. Between XX/XX/XXXX and XX/XX/2019 was added to my XXXX credit report.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom it may concern : I have spoken with XXXX and the information that's showing up on my credit report is inaccurate. The customer service Rep. by the name of Ms. XXXX XXXX informed me that there were no Bankruptcy 's showing up on my file. So please have all three credit bureaus to remove this inaccurate information from my credit file this is indeed a violation of the ( FCRA ).

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 2019-09-25 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: MS

Complaint narrative:
XXXXXXXXaccountopeninmynameforXXXXdollars

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: IL

Complaint narrative:
On XX/XX/XXXX, They opened a collection of {$420.00} without giving me any information. Also, on XX/XX/XXXX, they opened a second collection of {$400.00} which I do not know. Those collections ate up my score years and years without letting me know till I have a XXXX  XXXX account. Please help me to remove those derogatory marks?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-09-25 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief