vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX requested closure of account at USSA for the third time. I tried transferring the funds to a retirement account/new banking account wire transfer and XXXX to keep misappropriation of funds transactions occurring to XXXX. The calls were long and repetitive. Upon making the transfers out of the account the funds were rerouted back to the USAA account where other unauthorized ACH transfers occurred resulting in NSF fees. I did not make the transfers. USAA was investigating bill which I had paid and not the issue of rerouted funds and they do not respond to their XXXX email. There was no answer as to how or why there were misappropriated funds to another bank account. They just stated they recovered it and still refuse to close the account. Their reason is there must be a 24 hour period of no transactions to close the account. There are unauthorized transactions, I have no control. I have had more issues with USAA representatives, ongoing. Question of quality and standards of the security. At times as strict and on cue as I wish for it to be and then one day, a representative will help me with auto and checking and give me a new pin to reset my pin. I once told a rep someone has to be changing my pin and password to access accounts. I closed out a life insurance policy of 13 years for XXXX due to the fact I wanted to leave USAA completely with the thought someone had been accessing my personal information. Once a representative thanked me for being a member for 22 years, how long I was married, recently divorced. I have only been a USAA member for 18 years at best at the time she mentioned it which raised so many red flags. I have tried to bring clarity and let the representatives know to stay on top of the process. I had been going without a pin for so long until I changed wireless service recently. Thank you for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a current owner of a XXXX XXXX, purchased at Al XXXX XXXX. My current loan was active and up to date, it was an automatic payment set up. I went in for maintenance on XX/XX/XXXX at Al XXXX and was approached by a salesman to up grade to a XXXX XXXX. I agreed to the trade and was told I would not have any payments for 3 months due to the pandemic and they would contact me once they are able to get my loan approved. On my contract there is no loan company and I never heard from the dealership or anyone regarding me being approved for a loan. On XX/XX/XXXX in the early morning I hear someone in my yard, I took a look out my window and see 3 repossession trucks in front of my home. My granddaughter 's white XXXX XXXX was parked right behind my XXXX and one driver pulled her car out the driveway to remove my XXXX from my driveway. I came out and asked the guy what was going on and he informed me that he was here to repossess the XXXX. I asked him how when I never received a payment notice or book or a late notice. I have lived at the same address for 44 years and have never had an issue with getting my mail. This was not the first vehicle I have purchased and I am not one to be late on paying my bills. I have never had a repossession nor did I retire to be taken advantage of. I have a set income and will not live above my means, I would've returned the vehicle if I could not afford it. I have been embarrassed and feel totally violated by Al XXXX XXXX and Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
I invested in various Crypto currently coins on Binance.US. Binance.US is alleging there was a " chargeback '' of funds issued by my banking institution XXXX XXXX on XX/XX/21. I have confirmed with XXXX XXXX  the funds were delivered to Binance.US on XX/XX/21. I have sent my signed and stamped bank statement to Binance.US as proof the funds were withdrawn and not returned to my account by XXXXXXXX XXXX. Binance.US has not responded to my support ticket and they are not letting me withdraw funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from AFNI Collections Stating that they I owed " XXXX '' $ XXXX.And they were collecting alleged debt. 
I contacted XXXX, in which I have been a customer of since XXXX. Paying for my service via direct withdrawal, never delinquent. 
After contacting XXXX they discovered I had " another account '' as a result of identity theft They created a report for their identity theft team to investigate. I'm waiting to be contacted from such team. However I do not want my credit to be compromised as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was a with SEARS/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX and XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal has limited my account for 180 days without any good reason holding all my money frozen. After the period they still refuse to send my money. Paypal first limited my account saying that they need more infos to verify my account, I have sent all the infos to them including tracking numbers of all orders. After their review they decided to limit my account for 180 days holding all my money ( which is around XXXX British pounds! ) I couldn't neither accept or withdraw my money from my account, basically they have broken my business I have long worked for! I have tried to contact them many times regarding this issue but their robotic answer is always the same. I had advertising money that I needed to pay plus my supplier invoices to pay, once they froze my account, I couldn't continue running my business and even I had to borrow money from family/friends to pay my bills! The problem doesn't end here! 180 days have already passed and I got a message from them saying that they let me withdraw XXXX pounds from my Paypal account and they will still held the remaining amount for some time. I have tried to withdraw my XXXX pounds but they wouldn't let me! At first I thought there was some problem with my bank account, so I have tried to add my credit card and my other bank account but they wouldn't let me! After waiting all this time and they still refuse to let me add my bank account in order to withdraw my money!! This is clearly a scam! I have tried again to contact their support in order just to let me add my bank account but again they reply with a standard robotic message saying that the decision of limiting my account is final. Nothing related to what I sent which is basically the problem I am getting when I try to add my bank account! They not only shut down my business but after all this time they still refuse to let go of my hard earned money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: SUN WEST MORTGAGE COMPANY, INC.
State: OH

Complaint narrative:
Dear dame or sir, Yesterday, I had just received a letter from a lady whose name is " XXXX XXXX '' from a mortgage company named " Sun West Mortgage Company , Inc. NMLS XXXX ''. Other than my credit scores included in her letter, I did not understand anything else out of this letter at all. I have no communication of any kind with this lady or her company. Other than " XXXX XXXX XXXX XXXX XXXX XXXX  '', which I had already submitted a complaint against with you last week, I do not have any kind of communication at all with this particular company! Unless both companies are connected somehow, which I defintely have no idea about. I had tried to call the phone number she provided in her letter many times, without any kind of answers at all. Meanwhile, I left her 3 different messages to call me back, which had never happened. 
I have no idea what to do with this lady or company who is asking me to sign a paper called " Fact Act Notice '', which I DO NOT REALLY UNDERSTAND and HAVE NO IDEA WHAT ABOUT?! Therfore, I decided NOT TO SIGN THIS PAPER AND SUBMIT ANOTHER CLAIM WITH YOU AGAINST THIS LADY AND HER COMPANY, WHICH I HAVE NO DEALS WITH OF ANY KIND. 
I would really appreciate taking care of this second `serious and major trouble of my terminal stage of my life, which I have no idea what to do with. If this company ( Sun West ) is a part of the other one ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX and unable to peocess my refinance for my houses, I WOULD REALLY APPRECIATE TO ASK THEM GETTING MY {$3000.00} BACK. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have communicated several times with this creditor and I have let him know on many occasions that this account is not mine, I have sent him a police report, I sent him 2 documents from the federal trade commission where these documents explain that I was a victim of theft of identity and they send me a letter saying they do not have enough evidence to substantiate that I was a victim of identity theft and this account is not mine. They allege that they have my cell phone number on the account and that is why this account belongs to me, I alleged that the phone number that appears on that account is not mine and they do not want to do anything. Apart from this they are discriminating against me because I do not speak English and a customer service employee always has to translate for me and they do not translate 100 % what I allege. This is hurting me and I need them to fairly evaluate and prove that I am not the person who opened this account.This week the Detective will be going through the dealer where this account was opened to request some document that the person used to validate his false identity such as ID or passport of the person who opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
The Law Office of Jennifer McCoy contacted me via a mailed letter on XX/XX/XXXX attempting to collect a debt I was unaware of. The debt was utilities at my previous apartment completed who'd told me previously that I did not owe them. I contacted the apartment complex and paid the debt. I then informed the law office of Jennifer McCoy that I'd paid the debt directly to the apartment complex. The law office of Jennifer McCoy told me they updated their records to show that I no longer owed. On XX/XX/XXXX they reported a collection to my credit report despite the fact that I was never sent to collections nor owed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The information XXXX, XXXX {$200.00} showing in my credit report does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed a collection account from XXXX XXXX XXXX XXXX XXXX on multiple occasions. The most recent dispute ( confirmation number XXXX ) was filed XX/XX/2021 and the dispute has still not been addressed. This dispute has been open for 60 days and the credit bureau has still not resolved it. A representative, XXXX, from XXXX XXXX XXXX XXXX XXXX, called me directly and advised that they sent an electronic communication to all three credit bureaus on on XX/XX/2021. Both XXXX and XXXX  immediately removed the collection account from my credit file. However, Equifax has yet to remove this from my file per the direct instruction from the collection company, and the dispute regarding this matter remains open. This is causing great harm to my credit and may prevent me from getting the best interest rate while attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX -EQUIFAX XXXX 2 COLLECTIONS AND 6 CHARGE OFFS! 
THE ACCOUNTS HAVE BEEN SOLD TO DEBT. COLLECTION AGENCIES. 
*THE COMPANIES AGENT REPORTING VERIFIED ACCOUNT INFORMATION WHEN DISPUTED AND CHOOSE TO KEEP THE REMARKS ON REPORT. 

XXXXDISPUTE REQUESTED- XXXX/EQUIFAX/XXXX REQUESTING : VERIFICATION OF DEBT. REQUESTING PAYMENT HISTORY AND REMOVAL OF ACCOUNTS DUE TO INACCURATE CREDIT REPORTING REGARDING SETTLEMENTS/PAYMENTS/DELETIONS. 

2 COLLECTIONS : Opened XX/XX/XXXX, XXXX {$2100.00} Opened XX/XX/XXXX, XXXX {$2400.00} 6 DELINQUENT CHARGED OFF ACCOUNTS -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE ASSIST IN THIS URGENT MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Failed to validate inaccurate information on my 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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Didn't delete inaccurate information or validate inaccurate information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I am seeking validation of the alleged debt. I have attached a letter. I attempted to send a letter out through the portal on are around XX/XX/2021. I do not recall having the alleged debt and never did business. Please validate with a signed original contract also the contract with the alleged original creditor within 30 days under the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: PA

Complaint narrative:
I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
Gave away personal information pertaining to medical expenses is in violation of Hippa.

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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have a XXXX XXXXXXXX XXXX, bought from XXXX. 

In late XX/XX/XXXX, I received a notice from XXXX XXXX that I was now in a new flood zone and I would need to provide flood insurance. The later was mailed XX/XX/XXXX. 

I immediately contacted my insurer, who notified me that I would need an elevation certificate to get a reasonable rate. I contacted XXXX here in XXXX, Texas. XXXX assured me that they would come out that next day and have my certificate in a few days. 

I received the certificate about ten days later, and presented it to my insurer. The rate was not acceptable so I contacted my auto insurer XXXX. They provided me a very favorable rate and I accepted and paid for it on XX/XX/XXXX. I received the attached from FEMA that I had flood insurance.I had to wait the 30 days, but I had paid for it. 

XXXX XXXX had purchased a policy for XXXX $ per year. I informed them by certified mail and through their website and provided XXXX XXXX a copy of the insurance policy from XXXX XXXX. While making an automated payment in XX/XX/XXXX, I noted an extra XXXX $ tacked onto the payment. I didn't pay it, but paid the " minimum '' set by the computer, XXXX XXXX 

On XX/XX/XXXX, I called XXXX XXXX. I was on the phone for over an hour. I spoke with XXXX and XXXX. XXXX explained that XXXX XXXX had sent the notice our on XX/XX/XXXX, and made the first payment on XX/XX/XXXX. They received the insurance verification and refunded all but XXXX ., the first month 's payment. I explained that I had to get an elevation certificate and was working with all deliberate speed. My insurance agent said I had until XX/XX/XXXX to provide proof. While talking to XXXX, I found my copy of the FEMA Declaration that I had insurance on XX/XX/XXXX, As I was reading it, and asking why this did not mean that I had paid for coverage in XXXX, the line disconnected. 

Since I did spent over an hour on the phone to get that far, I did not call back. I did send a certified letter to XXXX XXXX with a copy of the FEMA Declaration on Friday, XX/XX/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
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
failed to validate & delete inaccurate information on my 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