vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XXXX I applied for the pandemic forbearance program with USAA and XXXX XXXX, d ue to the Covid-19 shutdowns. In XXXX I started the loan modification process, and provided USAA and XXXX all of the requested documents at that time. 
Since XXXX I have received numerous requests for additional documentation. The majority of these requests have been for the same documents within days of each other. For example I received request for my business P & L statements on multiple occasions within a day sending the document. At one point I had submitted the detailed P & L statement 4 times in 6 days. As well as a complete detailed payroll report from my payroll provider. On multiple occasions I have requested status updates, and inquired as to how I may supply USAA with any additional documents in order to facilitate the modification process. I received little or no communication other than additional requests for the documents I had just submitted the day prior. I have also received at least 3 notifications for them stating that all the documents were received and the application was under review, only to then receive additional requests for the documents already submitted. It is my belief that USAA and XXXX are trying to intentionally delay the modification so as to reach the expiration date of the forbearance in order to force a lump sum payment or foreclosure on my home. I also believe that this intentional act is a scam perpetrated by USAA and XXXX in order to foreclose the property in order to sell it at a profit as it has increased in value dramatically since purchasing the home. If this is the case I am concerned that in markets where housing prices are increasing dramatically, and a shortage of available homes exists, That USAA and XXXX are doing this to many more veterans than just 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 2021-01-11 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: TN

Complaint narrative:
Portfolio Recovery Associates has placed a collection account on all three of my credit reports and I have no knowledge of debt. They claim to have sent correspondence to an address that I have not lived at since 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
This is my SECOND COMPLAINT regarding the service I have received from XXXX  XXXX. I hope the Consumer Financial Protection Bureau will help me resolve this complaint with XXXX  XXXX. 

I received the attached email from XXXX  XXXX  stating that I would be receiving paper statements of my account. As of this date, I have received NO, repeat NO, paper statements of my account from XXXX XXXX 

I tried contacting XXXX XXXX by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain my bank statements. 

I would appreciate an EMAIL response from XXXX XXXX to this complaint. The email response should address my specific complaint, and NOT simply ask me to contact XXXX XXXX by telephone. I prefer to be contacted by email at XXXX. Do NOT contact me by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I enrolled in a debt consolidation company. American Express called on XX/XX/XXXX to tell me I had missed a payment. I gave them the information of the company I was working with for the debt consolidation and to send further correspondence to that company. They called again on XX/XX/XXXX. During this phone call I told them to stop calling me or I would report them to the FTC and again gave them the debt consolidation company 's information. American Express then called again today XX/XX/XXXX and I told them to stop contacting me. The current account balance is {$2400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I received a call today that I there is a civil complaint against me for a debt that I already paid and is past the statute of limitations. They are threatening to put a lean on my home in the middle of a pandemic. I sent them a notification on XX/XX/17 that I had spoken to the supervisor and set up the payment with them. On XX/XX/17 i received the confirmation email of payment myself and the supervisor agreed on. In the middle of a pandemic they shouldn't be harassing people for debts already paid. The fact that they were trying to reopen my case is horrible

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I didnt know that my Credit report didnt suppose to be open! I have so much on my report that is fraudulent please help me Im trying to buy a home start my business and so much more I dont need to be suffering any longer for something I didnt do not what XXXX  has made a horrible mistake and let my information get leaked please help me like ASAP I think this is long over due for a lawsuit because I cant take this anymore

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 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: IN

Complaint narrative:
After submitting my last complaint to the CFPB I have received correspondence from Axos Bank and a dispute affidavit form to submit & complete the chargeback against XXXX for merchandise not received and again Axos Bank has responded with the dispute being denied and no error has occurred and the transaction was authorized. This is not the reasoning for dispute. ( see documentation ) this is the second time Axos Bank Has denied the dispute for the incorrect reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I called the companies and bureaus many times about these unauthorized inquiries and nothing has been done. These are fraud called on XX/XX/XXXX 3 times and was hung up twice on by XXXX, called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Bank XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Finance XXXX XXXX Inquiry from XX/XX/2020 + Finance Please remove these fraud inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called chase bank to file a complaint about XXXX XXXX XXXX not refunding my money. I gave all information. XXXX XXXX from XXXX XXXX XXXX office of the president told me to dispute the charge of XXXX. After chase so called did their investigation, they came back on XX/XX/2021 and reversed the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AR Resources, Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EXCEL FINANCE COMPANY
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
In response to Prestige administration Chief Officer MrXXXX XXXX on XXXX XXXXand contacting him at XXXX. 
I don't have no contact with him as Prestige has violated my ADA Disability Civil Rights under Department of Justice. 
Prestige has no right in trying collecting {$10000.00} from me as the vehicle was return in excellent condition and Prestige knows that I am XXXX Lifetime and Retired and State and Federal Courts Judge orders of my Lifetime XXXX was provided to Prestige Administration. 

Prestige needs to delete the derogotory collection on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX immediately. Charge Off/Collection. Prestige has implemented Charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
This is my THIRD COMPLAINT regarding Mr. Cooper Mortgage Services. My second complaint, # XXXX, was NEVER answered. 

I HOPE THE CONSUMER FINANCIAL PROTECTION BUREAU WILL DO A BETTER JOB IN HELPING ME RESOLVE THIS COMPLAINT WITH MR. COOPER MORTGAGE SERVICES. 

I sent the attached email with SPECIFIC questions to Mr. Cooper Mortgage Services two ( 2 ) times. I never received an answer to my specific questions from Mr. Cooper. I tried contacting Mr. Cooper by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain answers to my specific questions. 

I would appreciate an EMAIL response with ANSWERS to my specific questions from Mr. Cooper. The email response should answer my specific questions, and NOT simply ask me to contact Mr. Cooper by telephone. I prefer to be contacted by email at XXXX. Do NOT contact me by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
SageStream , LLC, Consumer Office,XX/XX/XXXX XXXX, XXXX XXXX, CA XXXX provided FALSE and libelous information to XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX XXXX for an application for an XXXX credit card that I've held before. 

All credit bureaus XXXXXX/XX/XXXX, and XX/XX/XXXX) all state my score as a XXXX. SageStream , LLC, falsely and libelously states my credit score as a XXXX out of XXXX. 

I am a permanent federal employee serving the medical mission of the federal government previously at DoD and VA and my job requires me to move frequently. SageStream , LLC used my movement and change of phone numbers as a permanent federal civilian employee serving during the pandemic TO DENY MY CREDIT. 

IF XX/XX/XXXX and XX/XX/XXXX state my credit worthiness as XXXX, where does SageStream , LLC get the XXXX number? It doesn't, SageStream , LLC LIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
CFPB Complaint # XXXX Equifax sent me a letter after the above information asking me to provide proof of identity. 

I included the same proof of identity with the three attachments in the first complaint. 

Equifax needs to stop playing games and remove the fraud alert from my credit report. 

For an entire year Equifax has ignored my requests when I provide proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILDREN WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I started receiving phone calls on my cell phone - non-stop. I called my cell phone provider to report that my phone wouldn't stop ringing from unidentified numbers. 
12 hours later, I found out that someone XX/XX/XXXXout almost {$15000.00} out of my checking account. Initially, they made two deposits XXXX XXXX and XXXX ) then transferred money out of my account by hijacking the network. I had spotted the transfer on the same day, called the bank filled a digital fraud claim, explained to the representative what had happened that that someone used my phone to complete the transactions. I had requested that these transactions would be denied because they were in the " processing '' status. 

Bank of America representative kept on asking me whether I had called in earlier that day, and then had confirmed with me that someone called the bank, claiming to be me, but was unable to bypass security. 
I filled a police report at XXXX XXXX Sheriff Station on the same night. Two hours later all calls have stopped. ( I am attaching a screenshot of the calls so you can reference the frequency of the incoming calls ). 

XXXX has a record of all the incoming calls, which there are almost 70 pages of incoming calls ( which an operator from XXXX had confirmed with me ). 

On XX/XX/XXXX, I have received notification from the bank that Bank of America will not honor my claim because " their investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity ''. 
Bank of America - never looked into the fact that my phone was accessed by criminals hacking the network!! 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 monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torriere Holdings INC
State: GA

Complaint narrative:
I reached out to XXXX about my account at the beginning of XXXX of 2020 to settle my debt in the amount of $ XXXXI was advised by the representative my account was sold to a collection agency called XXXX XXXX XXXX . I proceeded to call and email XXXX XXXX to settle my debt, however, my emails went unanswered and the number listed on the website and provided by XXXX just continuously rang. I was finally able to get a representative on the phone on XXXX XXXX2020 and that representative then informed me that the account was then sold to another collection agency called, Spire Recovery Solutions. That same day, I called Spire Recovery Solutions to settle my account, which I did for less than the amount that was owed and advised by the representative the status of the will be updated with the credit bureaus within 14-30 days. My issue is after I received my settlement letter it states. " Spire Recovery Solutions , LLC is in receipt of your payment ( s ) and they have been applied to your account. The above referenced account has been considered paid-in-full with a balance of {$0.00}. Contact the following credit report agencies and send them a copy of this notice according to their instructions. XX/XX/XXXX : XXXX XXXX XXXX  : XXXX XXXXXX/XX/XXXX : XXXX XXXX ''. I have done this action and each credit reporting agency has come back and says that the debt is valid and still derogatory and owed. I have done my due diligence to pay the debt, and I expect the correct information to be reported on my credit reports. Spire Recovery Solutions collected funds under false pretenses, never contacted the original creditor that the account was paid in full and more importantly reported to all three credit bureaus that the account has been settled. This is considered fraud!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation