vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
on or about XX/XX/2019 I opened a checking account with USAA bank account ending XXXX and issued a ATM card ending XXXX. I was unable to activate the ATM card or use the checking account in anyway. I used a electronic check to open the account in the amount of XXXX from my checking account with XXXX XXXX which paid check on XX/XX/19. USAA tried to connect the two accounts which I refused twice and then I was later told that my new account with USAA was blocked and I had no access to it or my deposit. I was told that USAA no longer wanted to do business with me and account was under review. I told USAA I felt the same way and thought that they were crooks and not a bank only wishing to sell be there insurance products and control my funds thru a central location and fleece my funds with there products and services. I told them I wanted funds returned and their scam account closed. I was promised a refund within two weeks which never happened and still haven`t received my funds over 40 days later or information when I would receive my money. I`ve been robbed by USAA for not being stupid and had to change my account info on my XXXX XXXX to protect myself.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc
State: VA

Complaint narrative:
Company attempted to obtain employment verification information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: American First Finance, Inc.
State: WA

Complaint narrative:
On XX/XX/2019, I tried to obtain in-store credit line ( from American First Finance ) to purchase new couches at XXXX XXXX XXXX, XXXX, WA. I was denied credit. The reason in the letter they sent me, later, was because " poor credit performance ''. It also stated the key factors that adversely affected my credit score ( which they labeled as XXXX ) was " Insufficient credit history, a combination of address withe other identity elements is generally associated with risk consumer associated withe address changes, hih number of recent applications using address. '' This information about my credit was obtained from XXXX XXXX ( an XXXX company ), XXXX XXXX NV. I reached out to XXXX   to get the report they sent to AFF. After completing the appropriate paperwork and submitting it with the proper ID, what i got shows no credit history at all. I spoke with a gentleman ( who was extremely nice and helpful at XXXX ) and he mentioned that my lack of information might be due to the fact that I don't use short term credit. 

I have had credit in some form since I was 19 or 20 years old. After seeing this lack of information from XXXX, XXXX, I obtained 2 of my 3 free credit reports for the year from XXXX and XXXX. I frequently monitor my credit on XXXX XXXX as well. My credit reports show all of my accounts in good standing. 

I'm beyond frustrated with how I was treated the 2 times I tried to call AFF with their customer service agents being rude and condescending. I understand that because i was applying for credit, it was a hard inquiry on my credit report. However, I am responsible with my spending and line of credit I have open, I would've not applied for credit knowing I would be denied ( this has never happened to me before ). I applied knowing companies frequently want to give me loans since I am a good steward of my money and pay my bills on time and have a good credit history. Because of this hard inquiry, my credit score dropped over 25 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have made numerous attempts to obtain validation for this debt have received nothing that is valid to support that this is my debt. I am attaching all of my attempts to resolve this issue which has been going on for atleast a year. The company has not been able to provide any contracts and or documents with my signature to validate this debt and this is really caused me a lot of damage to my credit report and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Consumer Protection / Fair Debt Collection Practices Violations. 



Attachments area

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After Capital One Data Breach that took place on XX/XX/2019, Capital One Bank sent me a letter requesting documents to establish my identity ( driver license, Social Security Card, Utility Bill and Bank Statement ). Since I have to accounts with Capital One I have submitted the same documents for both of my accounts. Capital One Bank validated my documents for my Neiman Marcus credit card and reinstated it, and accused me of discrepancy for the Capital One Venture credit card. I have called and asked for explanation as the same Bank can't make two different decisions, it is validated or not validated. I have also wrote to Capital One Executive Offices requesting their involvement in this matter but up until today I have not heard back from them. My documents are issued by the State and Federal authorities and their inability to validate them means I have forged the documents. And if so it means I have committed fraud by fraudulently establishing the account with fake documents. They contradict their actions by restricting my one account and reinstating the other. When I call to discuss the matter and request some kind of letter to state the reason for restriction they hang up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2019, I tried to obtain in-store credit line ( from XXXX XXXX XXXX ) to purchase new couches at XXXX XXXX XXXX, XXXX, WA. I was denied credit. The reason in the letter they sent me, later, was because " poor credit performance ''. It also stated the key factors that adversely affected my credit score ( which they labeled as XXXX ) was " Insufficient credit history, a combination of address withe other identity elements is generally associated with risk consumer associated withe address changes, hih number of recent applications using address. '' This information about my credit was obtained from DataX ltd ( an equifax company ), XXXX XXXX NV. I reached out to DataX to get the report they sent to XXXX. After completing the appropriate paperwork and submitting it with the proper ID, what i got shows no credit history at all. I spoke with a gentleman ( who was extremely nice and helpful at DataX ) and he mentioned that my lack of information might be due to the fact that I don't use short term credit. 

I have had credit in some form since I was 19 or 20 years old. After seeing this lack of information from DataX, Ltd, I obtained 2 of my 3 free credit reports for the year from XXXX and Equifax. I frequently monitor my credit on XXXX XXXX as well. My credit reports show all of my accounts in good standing. 

I'm beyond frustrated with how I was treated the 2 times I tried to call XXXX with their customer service agents being rude and condescending. I understand that because i was applying for credit, it was a hard inquiry on my credit report. However, I am responsible with my spending and line of credit I have open, I would've not applied for credit knowing I would be denied ( this has never happened to me before ). I applied knowing companies frequently want to give me loans since I am a good steward of my money and pay my bills on time and have a good credit history. Because of this hard inquiry, my credit score dropped over 25 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I went to the XXXX XXXX branch and they told me they could not close my account or give me the funds and they sent me to another branch telling me that branch would/could cash out/close my XXXX XXXX XXXX account. Drove 20+ miles to other branch and then got told there they misunderstood and did not know I wanted all the funds but would give me only {$4000.00} of my $ 34,400+ account. I spoke with XXXX and then the branch mgt. XXXX and explained I wanted to close my account and get the CASH. They told me they could not give me money and could give me cashiers checks, BUT they gave me 2 cashiers checks for {$15000.00} each, made to me ... but I could not cash them or get them cashed and I would have to wait until XXXX or XXXX for them to get the money ordered and in so I could cash the checks for CASH! Now, today, I am told by XXXX, mgr., that they did not order my CASH in time so I will have to wait another week ... Meanwhile BB & T has MY money, they claim it is out of MY account ( in their bank still ) and no interest they owe me and they refuse to give me MY MONEY! I WANT MY MONEY THIS WEEK!!!!

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 2019-09-09 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
Hello I keep getting harassed by Convergent loan company about money I owed to XXXX which was the creditor which was fraud and never authorized by me which XXXX knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on XXXX, XXXX, XXXX   and any other companies. 

Last year I had spoke to XXXX a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my XXXX I had closed to avoid this from growing. XXXX was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with XXXX. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe XXXX XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.

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 2019-09-09 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:
Hello I keep getting harassed by XXXX loan company about money I owed to XXXX which was the creditor which was fraud and never authorized by me which XXXX knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on experian, XXXX, XXXX and any other companies. 

Last year I had spoke to XXXX a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my XXXX I had closed to avoid this from growing. XXXX was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with XXXX. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe XXXX XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.

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 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have made numerous attempts to obtain validation for this debt have received nothing that is valid to support that this is my debt. I am attaching all of my attempts to resolve this issue which has been going on for atleast a year. The company has not been able to provide any contracts and or documents with my signature to validate this debt and this is really caused me a lot of damage to my credit report and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2019 I am trying to lift my security freeze on my credit with Equifax. When I try to log in to the website I get an error message and it gives me a phone number to call. When I call the number I get a message saying they can't confirm my identity. I then used their chat line and they gave me a different number which sends me to the exact same automated system that I was in before. I can't reach a live person and I don't know what to do next. I have a pin number that they gave me when I put the security freeze on but it doesn't do me any good if I can't get into their website or reach a person. I never have any trouble with the other two credit bureaus so I don't know why Equifax is always such a problem. Maybe they need to be shut down. Anyway, I'm stumped as to what my next course of action needs to be to lift the freeze. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: NC

Complaint narrative:
Progressive Management Systems has contacted me numerous times in a day, often using threatening language and insisting I secure additional credit to pay the debt that is " owed '' to them. I have not been able to verify the original debt from the creditor- as I was making payments to the original creditor directly. Additionally the balance that I would be responsible for and have agreed to is solely the balance for services rendered. Progressive Management Systems is insisting I also pay them an additional interest of 8 % - which was never once agreed upon nor was there a contract signed that stated this agreement. Additionally there have been threats to my credit report and been told on numerous occasions from Progressive Management that unless the balance is paid in full ( including the interest rate that was never agreed upon ) this will not be removed from my credit. Their practices are illegal inappropriate and they are using false and misleading information to collect their debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 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: GA

Complaint narrative:
Hello. I was made aware by XXXX XXXX that a bankruptcy was on my credit report. I wrote the Equifax credit bureau twice and included letter from the US Courthouse, XX/XX/XXXX and XX/XX/XXXX requesting their method of verification and I received letters stating that they used a 3rd party company to obtain the record. I visited the XXXX, Ga US bankruptcy court and they stated that they do not verify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/2014 the amount of XXXX is reported to XXXX and has a social security number that doesnt belong to me and an address Ive never lived at.

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 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Great American Finance Co
State: MI

Complaint narrative:
Started the account last year, missed a couple payments due to bank not allowing the payment to go through, never missed a payment more then 30 days. When I stared this account I had to call multiple times because I never received bills, I've checked with the post office multiple times and nothing was there. Now that im getting close to the end of my payments they ended up removing my promotion for interest free claiming because I had missed payments. I had no idea thats how it worked I was never told by anyone that I could lose my promotion. i have done everything in my power to pay these payments I work two jobs to make sure of that. I never received a welcome letter and in the paper work I have for them nothing says they could remove my promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I went into Bank of America XX/XX/19 to close out my checking account and leave my credit card account open. My credit card had automatic payments through the now closed checking account. Bank of America 's online banking platform did not let me add or adjust and new payment methods to my credit card due to a glitch in their system. I made a payment through their phone system manually on XX/XX/19 to satisfy that month 's payment. I contacted them again several days later to fix my online banking profile to a " credit card only '' profile which would then allow me to make payments from an external bank account. With their assistance, I updated my automatic payment instructions to be debited from my new bank account and I did exactly as I was instructed to have all automatic payments come from my new bank account. On XX/XX/19 this automatic payment was made for {$17.00}. On XX/XX/19 this payment came back return unpaid and Bank of America charged me a returned payment fee of an additional {$17.00}. I got two letters in the mail on XX/XX/19 that this payment went unpaid. After multiple phone calls on XX/XX/19 I found out that this was unpaid because the automatic payment tried to pull from my now closed Bank of America checking account instead of my new external account. Bank of America refuses to refund the return item fee because it was deemed not a bank error since I was the one who set up the payment, even though it was entirely through their instruction on how to set it up and I was reassured all future payments would come through my external account. I tried to get the issue resolved in person at a branch, through multiple phone calls to their credit card support and escalated to a supervisor and all attempts were unsuccessful. After spending hours trying to get this resolved, I closed my credit card account on XX/XX/19 by paying off the full amount including the extraneous fee as I no longer could deal with their unhelpful customer support.

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