vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
This complaint is for the lack of caring or reading comprehension for my cfpd complaints as now USAA is closing my complaints without even reading them/ responding to them. 

USAA marked my complaint XXXX as Marked as a duplicate complaint on XX/XX/2022 even though I went through USAA responses and inserted my comments to their responses. It's obvious USAA does not care to communicate in a fair/reasonable way. 

I'm making this complaint because USAA says I'm making un-founded claims however I assure you USAA continues to make unfounded claims on my credit report and continues to lie and attempt to re-insert the accounts on a near-monthly basis. This complaint is to show how shady USAA can be and how they really don't care. 

Also, USAA claims " if you have any additional questions, XXXX XXXX '' however when you try to call you just get sent to voicemail, and the voicemail is never returned because USAA doesn't look into anything or care about getting back to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WI

Complaint narrative:
I had not used my Discover card in a while since we were able to pay off our balances about a year ago. I logged into my account and discovered they had closed my card. I contacted Discover and they confirmed they closed my card. I was told I was mailed a notification that if I did not use the card by XX/XX/22 that the card would be closed. I either never received the notification or threw it out since I had elected to go paperless quite some time ago and the company constantly sends unwanted solicitations for other Discover products in the mail. I called to let them know I never received the notification and I wanted to have the account reopened since I have had the card over 10 years. I was told that they are not able to reopen credit cards once they are closed. I asked to speak with a supervisor and was told the same thing. I asked to speak to their supervisor and was told that they is nobody higher they could escalate a call to. I was also told it was a company policy and even if they could get someone higher on the phone they would not be able to reopen the account. The fact that they closed one of my oldest credit cards with a large credit limit is going to negatively affect my credit. Their only solution is to apply for a new card which is not going to correct the issue that they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lakeside Receivables LLC
State: VA

Complaint narrative:
A woman by the name of XXXX XXXX has repeated called my family members asking for me after being asked to stop. On XX/XX/XXXX, XXXX XXXX left a voicemail on my family member 's cell phone ; however, she never identified herself as a debt collector. On XX/XX/XXXX, XXXX XXXX also contacted another family member by phone at their place of employment. XXXX XXXX contacted me today, XX/XX/XXXX from an " unknown '' number. She did not identify herself as a debt collector. Upon asking for her company name, she stated " Lakeside Receivables ''. These calls from XXXX XXXX have been happening since late XXXX. They either call from different phone numbers or blocked numbers to disguise themselves. I have no debt with Lakeside Receivables and ask that they be sent a warning letter to cease all contact to me and any of my relatives, former or current employers, friends and associates. 

Phone numbers associated with these calls from XXXX XXXX of Lakeside Receivables are : ( XXXX ) XXXX ( XXXX ) XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received an email from XXXX stated that someone is trying to open a Wells Fargo Bank account under my information.

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 2022-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lewis & Clark Capital LLC
State: GA

Complaint narrative:
FTL Finance has been calling my parents and even my brother I dont speak to about my debt even though they are NOT on the loan and I have not authorized them to contact these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 Chase bank closed my account for no apparent reason. I have been a long time customer. They are holding my money and refuse to send it to me. They have my NY unemployment benefits and social security XXXX a combined amount of XXXX. They claim they sent me a letter but they sent it to my account which is closed neither myself or them can open it my old checking account was XXXX I want and need my money I'm behind rent and necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Since XX/XX/XXXX I miss me XXXX XXXXXXXX Credit Card on my Experian Credit Report. 
I disputed over the Internet with Experian, without a result. 
I called since XX/XX/XXXX with Experian and XXXX XXXX back and forth. 
Experian told me is XXXXXXXX XXXX fault, XXXX told me is Experian 's fault. 
Friday XX/XX/XXXX I get a letter dated XX/XX/XXXX with an XXXX  # XXXX from XXXX XXXXXXXX and they wrod me " All major Credit Bureaus have been updated. '' I called Tuesday XX/XX/XXXX Experian because they send me a Report No. XXXX I should call Experian. They told me they don't get updated from XXXX XXXX. 
XXXX XXXX told me end XX/XX/XXXX that they reported the last time on XX/XX/XXXX. 
XXXX and XXXX XXXX have never lost my XXXX  XXXX Credit Card on their Credit Reports.

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 2022-02-08 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: WA

Complaint narrative:
Good Morning, I'm seeking your guidance for a concern with one of the three consumer reporting credit agencies, Experian. 

I have my credit frozen with Experian. I paid for their service, I kept the correct PIN and login. For no reason, when I went to un-freeze my credit yesterday, they say they need more proof to un-freeze my account. This despite having all the required information. 

What's worse, FAR WORSE, they are demanding I send a copy of my social security card, copy of driver 's license and another bill... .in the mail! Just handing over my identity to the mail. NO WAY! 

There's no customer service number, no contact, no help. You literally can't call. 

This is not right. They are demanding you put your identity at risk, and offer no alternate means or even means of contact. And for no reason, I had all the required information for a service I paid for. 

This is not right and that company needs regulation. And we, the consumer, are stuck with them. 

*I should be able to access my information if my login is correct. 

*They should have a real customer service number. 

*In no way should I ever be asked to mail my social security number and ID in the mail. They should have secure, electronic means to do this. 

I'm asking for your help addressing this. Thank you.

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 2022-02-08 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: MD

Complaint narrative:
I've attempted numerous times to get this report squared away but, I can't seem to get any help. There is incorrect information still on my report... Please only respond and correspond through CFPB if you attempt to contact me through any other means besides the CFPB portal, I will consider it harassment.

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 2022-02-08 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: MD

Complaint narrative:
I've attempted numerous times to get this report squared away but, I can't seem to get any help. There is incorrect information still on my report... Please only respond and correspond through CFPB if you attempt to contact me through any other means besides the CFPB portal, I will consider it harassment.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio
State: MD

Complaint narrative:
I've attempted numerous times to get this account taken care of. Its past the XXXX, it's reporting incorrectly and needs to be deleted immediately. You guys are on a recorded call violating all types of laws and I am not going to stop disputing this inaccurate and unverifiable account. Please send the Archive File. Do not respond in any way other than through this CFPB portal. If you respond in ANY way other than through here, I will consider that harassment. Also, while the tradeline is under investigation, it needs to be deleted. Please do so. TIA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
On XX/XX/XXXX I closed on a house and Cardinal Financial was the mortgage lender. On the closing discolsure they had one full year of XXXX property taxes and 3 months of property insurance fees after paying both in full for XXXX. This has left a balance of over {$6000.00} in my escrow account. Additionally I'm paying over {$800.00} per month for property taxes and insurance for all of XXXX. By the time XXXX property taxes and insurance are due there will be in excess of {$15000.00} in escrow. As of today ( XX/XX/XXXX ) I have notified Cardinal of this issue and they refuse to refund my money. 
Cardinal claims that federal regulations require them to keep this balance. Based on consumerfinance.gov this is not the case. So, this appears to be an attempt by Cardinal ( and likely other mortgage lenders ) to make a profit center out of escrow funds. By keeping all their mortgage lender 's escrow account over funded their can make millions of dollars in investments and interest and possible increase the lending power at the expense of their mortgage payers. This should be illegal to mislead the mortgage payers with such practices, lying about federal regulation, and not disclose the purpose and use of the excess escrow fund. Such mortgage lenders should be investigated and regulations put in place to disallow this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: OH

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ). Am invoking my specified remedy as a consumer, and I demand Transunion to obey the law and remove PRIVATE INFORMATION from my consumer credit file. Pursuant to USC 1681 ( a ) ( 4 ). A consumer has a RIGHT to privacy. I hasn't sent proof of this illegal action as well as exhibits. Govern yourselves accordingly.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I ordered the new XXXX, but accidentally ordered the wrong one. 
I immediately contacted merchant ( XXXX ) Who canceled the order. 
The pending charge and associated payment plan has been pending on my account since purchase ( XX/XX/21 ) Goldman sachs refuses to drop the pending charge which maxes out my credit limit. 
I have personally been on the phone while XXXX reps tell goldman sachs reps that it was immediately cancelled.

Yet goldman sachs is holding my entire credit limit hostage. And they refuse to tell me when it will release. 
It has now been 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Out of all the three Credit Bureau Experian continues to report incorrect information on my credit report and lowers my credit score by XXXX points from the other bureau. Example as of XX/XX/2021, I had a credit score of XXXX and 3 months and 8 days my credit drop down to a XXXX. They also continue to report the following items that not my account and that has been deleted from other credit reports because they were not my accounts 1XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID XXXX XXXX XXXX. 2.XXXX XXXX XXXX ACCOUNT # XXXX {$1500.00} 3.XXXX  XXXX Bank {$1400.00} 4 . XXXX XXXX {$1500.00} They are also showing lates and closed accounts that are still open and I have not received anything from the creditors that the accounts are closed or late, and I make monthly payments on these accounts and received monthly statements from them. And some of these accounts balance is incorrect with wrong account numbers 1.XXXX XXXX ( Still Open and never been late ) 2. XXXX  XXXX  XXXX ( Still Open and never been late ) 3. XXXX ( Paid off and wrong account number )

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Auto Finance and Tax Payments For those of you that live in Connecticut this is for you. 

If you lease a car via Chase Auto read the fine print of the lease paperwork- which was never pointed out to us at the time we purchased the vehicle, as Connecticut bills the lien holder for a 6 month period for property and excise tax on a motor vehicle. And then the state keeps billing in 6 month increments until you no longer own the car, have moved, died, or it was stolen. In our case, Chase paid over XXXX in taxes on this vehicle. 

Chase automatically pays the taxing authority and then sends an invoice to the customer claiming the amount of tax they paid on your behalf and expect it paid within 30 days. 

It turns out that in our case an appeal was filed on our behalf, by us, and it was very quickly, I might add responded to, and corrected by the State of Connecticut with a refund.

Since Chase Auto paid the taxing authority and we paid Chase accordingly the refund goes to Chase first and they refund the money to us.

Chases Auto unit is dishonest, fraudulent, inept, unprofessional, lazy and has no accountability. Its so bad that even other Chase employees of enough stature ( private client banking employees ) within the bank cant get this unit to do its job properly. 

This process of getting a refund, which the State of Connecticut has approved and paid to Chase, is going on 9 months yet as the customer, we cant get our money back. 

Connecticut has provided everything weve asked for in a timely manner. The XXXX XXXX tax authority has done nothing but bend over backwards to help us yet Chase Auto cant seem to handle the most simple of tasks. Its so bad that if the money ever does get refunded that they cant even EFT it to my Chase checking account. They have TO SEND A PAPER CHECK! 

The documentation and details surrounding this issue would fill up a file drawer. One of Chases biggest problems is that they cant even have their customer service agents provide basic information, like when did Chase Auto actually pay the tax bill? Or, when was a refund physically received by Chase Auto vs. when it was processed? After 9 months of XXXX  I actually had an agent today say to me that they dont even show a refund request in their system. Seriously, I cant make this stuff up. 

The problem is that the bank has no accountability built into their system. They dont care who you are what you do with them as a customer. They just want their money and they dont care what the have to do to get it. And in this case, once they get your money, they dont want to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
An account has been opened in my name by a credit card company by the name of XXXX / ATLS / FORTIVA with a limit of {$3000.00}. It currently has a balance of {$100.00} and was opened on XX/XX/2021. I never applied for this credit card and I most definitely have not purchased anything with it as I don't even have a card in my possession. I would like this account closed and I would like it removed from my credit report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation