vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX ALLOWED XXXX XXXX LOAN NO.XXXX BE RE-INSERTED 67 TIMES WITH OUT 5 DAY NOTICE TO CONSUMERS BY CHANGING ACCCOUNTYPE ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Account Services, Inc.
State: NY

Complaint narrative:
DEAR ALLIED ACCOUNT SRVS, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX COLLEGE ORIGINAL AMOUNT {$2300.00} PLACED FOR COLLECTION : XX/XX/2019 PARTIAL ACCOUNT NUMBER : XXXX SINCERLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TCF FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX ALLOWED TCF BANK LOAN NO.XXXX BE RE-INSERTED 67 TIMES WITH OUT 5 DAY NOTICE TO CONSUMERS BY CHANGING ACCCOUNTYPE ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I want to pull from reserve

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 2019-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
During XX/XX/2019, I mailed a monthly payment check to USAA Bank towards my USAA RV  loan ( ending in XXXX ). I mailed a personal check on time for the payment amount of {$180.00}. Unfortunately the payment amount was actually {$180.00}. I was inadvertently XXXX cents short on my check. As a result, USAA issued me a 30- day late payment to the three major credit bureaus. After lengthy telephone calls and written requests for forgiveness to USAA representatives, USAA was adamant that the damage that they did to my credit was justified on their part due to my past XXXX  cent payment mistake. 

I was so frustrated with USAA reducing my FICO score over 50 points for a XXXX cent mistake on my part I immediately sold my RV and paid off the USAA RV loan.That was my first step to permanently end my banking relationship with USAA ( I have been associate with USAA since I was XXXX years old. I'm in my XXXX 's now ). 

Only after I filed my original ( first ) complaint during XX/XX/2019 with this Federal agency, which is a consumer protection watchdog over banks, did USAA CEO 's office finally agree to remove the related 30 XXXXday late from my credit history with the 3 major credit reporting agencies. They agreed that their actions against me were frivolous ( USAA 's notification of their 30  day late adverse action reversal/correction on file ). As a result, both XXXX  and XXXX removed the 30 XXXXday late from my credit reports, via USAA 's update to them. However, based on my telephonic discussions with XXXX XXXX, they were allegedly never notified by USAA to remove the 30 XXXXday late payment from my credit history. 

As a result. during XX/XX/2019, I finally place an investigation request with XXXX XXXX to remove USAA 's 30- day late mark on my credit report. The same 30- day late that USAA originally agreed to remove. In response to XXXX XXXXXXXX XXXX investigation, USAA decided to instead reissue their XX/XX/2019 30- day late RV  loan payment to the 3 major credit reporting agencies. 

I can't express enough my frustration with USAA 's unprofessionalism. As a result of USAA 's reissuance of a 30- day late for my frivolous XXXX cent RV loan payment mistake, I have been declined a mortgage refi loan due to XXXX and XXXX reducing my FICO score approximately 50 points ; due to USAA 's 30  day late payment reissuance notification ( My XXXX XXXX score remained the same ). 

To any potential consumers who wants to bank with USAA, I would strongly discourage any banking relationship with USAA ; via my personal adverse experience with them. I have always had positive consumer banking relationships with XXXX XXXX XXXX XXXX and XXXX XXXX. I would instead recommend those two financial institutions for loans

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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:
The Progressive Management Systems sent a letter to me on XX/XX/2018 requesting that the balance of {$780.00} to be paid. However with further investigation of the collection agency during a credit repair, it came to my attention that the Progressive Management Systems license is inactive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: NY

Complaint narrative:
This is my Bank if America credit card. I paid my balance in full and was still charged a late interest fee. They call it trailing interest. I used their default setting to pay of my bill and was still charged. This is highly deceptive. I tried calling and was unable to get any type of response. I will be canceling my card and never use Bank of America again for any service.

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 2019-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Contact information correction on initial complaint against USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an account with Sync bank/ tjx credit card the account was closed on XXXX, XXXX, XXXX. I got a derogatory remark on my credit report stating that this account got sent to collections however i was never notified about this debt and never received the bill. I would like to address this immediately and get this negative mark removed from my account.

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 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank checking account was involved in a series of ACH withdrawal fraud. I first realized this on XX/XX/XXXX. Since then I opened a new checking account on XX/XX/XXXX on the recommendation of the Citi fraud security team. I tried to close the account in the branch while opening a new one and the banker did not close them, she claimed she froze them. I then learnt a couple days later that it was not frozen. There were dozens of phone calls made to the security team to solve this problem. 

There were many credits issued for the fraud and I was promised that the account would be closed. It has been almost a month, with no resolution still. On XX/XX/XXXX I was called by Citibank because they wanted me to process the payment on my old account since some of the credit were debited back but by then I had no access to my old account as it was already frozen while waiting for the results of the investigation. I was promised that I would be called back on XX/XX/XXXX or XX/XX/XXXX once the payment went through with a resolution to close the checking account. I am tired of waiting and I do not have any more time to deal with this. 

The data breach has caused many accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXt ) to be opened in my name and Citi promised to reach out to them during the investigation and helped close those accounts on my behalf. However, I had to do it all myself and Citi did not seem to do what they promised to. This could be a data breach on Citi 's end that exposed my SSN and other credentials. I could conclude this because I connected all of my other checking accounts ( XXXX, XXXX XXXX, and XXXX ) to any other financial institutions alongside my Citi account but only my Citi account got frauded. Up until last month, I did not know that Checking account fraud existed at all. There are many other institutions that have accounts probably opened under my name ( inferred from ACH Withdrawal ), namely XXXX XXXX by XXXX XXXX, XXXX. I have not contacted them yet. I need Citi to contact them and close those accounts on my behalf as promised.

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 2019-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
We took out the credit card to get Zero percent interest on our purchase of {$990.00} provided the balance was paid within 12 months ( XX/XX/XXXX ) Electronic Autopay for {$83.00} to be applied the XXXX of each month ( Payment due date is the XXXX ), was established at our Bank and according to our records, which the bank confirmed all payments were made as scheduled and funds received on or before the XXXX of each month. 

We received 5 late fees : Payment date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$25.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} We were informed that {$220.00} in interest was added to the account on XX/XX/XXXX because the balance had not been paid off, we were unaware that there were late fees. We have a balance of {$300.00} and have made payments that total {$1100.00} despite consistently making timely payments within the specified time. The late fees seem erroneous and the credit company states that it is not their policy to adjust accounts based on due dates.

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 2019-12-16 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Target reported my account 120 days late which is incorrect. I called in to speak with a representative in XXXX to let them know that I was experiencing a financial hardship and would like to request that my payment that was due be placed on the back-end. The representative approved the request and told me that my next payment wouldn't be due until XX/XX/2019. I received a letter around XX/XX/XXXX stating that my account was placed for collections if I didn't make a payment. This was the opposite of what the representative explained to me. I was not or never late on my payments to target and I want those 2 late payments removed from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This is my third complaint to CFPD regarding this company, PHH Mortgage. My last complaint # is XXXX. To rehash the experience, I have been fighting with them since last XXXX because they assumed my mortgage from my previous company and paid my property tax without my authority, then placed me in an Escrow account I do not want and never asked for. I contacted their Customer Service several times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) but I was transferred from representative to representative and promised that I would be called back and never was. Finally, they sent me a letter in XXXX that said I qualified to be removed from the Escrow account. By that time I had already made several escrow payments and asked for an updated amount to pay off. They took their time sending me amounts owed, but by the time I'd received those amounts I'd already paid into the Escrow account again, so I'd ask for any updated amount. They do not communicate via emails, only thru regular mail or fax, which means their responses are always behind. 
Long story short, I received a letter from them on XX/XX/XXXX, dated XX/XX/XXXX, that said, " ... your request to remove the escrow of your property tax and/or hazard insurance from your load was denied because the following requirement has not been satisfied : You must not have been 30 or more days late in making any of your monthly payments. '' This is an outright lie. I have not had a late payment in years. YEARS. And I definitely did not have one the year prior to them taking over my mortgage, nor did I have one after they assumed my mortgage, and I definitely did not have one between the XXXX letter, when they offered to remove the escrow account and XX/XX/XXXX, when they sent this last letter. I have years of confirmation numbers to prove my payments have not been 30 days late and my credit score has done nothing but go up in the last several years. This is an outright lie they are using fraudulently to keep me in this escrow account. 
PHH Mortgage assumed my mortgage. I did not refinance with them. Shouldn't they be required to honor the mortgage contract they assumed which did not require me to have an escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I paid {$180.00} on XXXX XXXX, 2019 to Credit Collection Services. Original debt that was listed on my credit report was {$120.00}. They said they would mark the account " Paid, or Settled in full '' on my credit reports. The credit bureaus updated on XXXX XXXX, 2019. The account still had an " open '' status. I called them and they wanted another payment of {$88.00} which I paid online. They told me the collection would be removed from my credit reports, but it still shows an {$88.00} balance as of today ( XXXX ). I have called and complained to them several times but nothing has been done. They will not remove the collection from my report and it's delaying a mortgage loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Southwest Credit Systems has been reporting a fraudulent inaccurate account for {$510.00} to my credit bureaus, I have never done any business with them or their affiliates. This debt is not mine. This incorrect information is harming my credit, stop this at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
A deposit was mailed on XX/XX/2019 and was not deposited by the bank until XX/XX/2019 thus causing me to has {$140.00} in bounce fee charges. If the deposit would have been done on the second my account and checks would not have bounced. I have asked the bank to credit the {$14.00} back to my account and they have refused.

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 2019-12-16 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: TX

Complaint narrative:
I ask Transunion to validate debt and send me copies of contract or something that have my signature on it. They came back and said account verified with nothing to show me. I have no knowledge of this account XXXX XXXX XXXX with a bill of XXXX and XXXX, please remove this account from my 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 2019-12-16 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: TX

Complaint narrative:
I ask XXXX to validate debt and send me copies of contract or something that have my signature on it. They came back and said account verified with nothing to show me. I have no knowledge of this account XXXX XXXX XXXX with a bill of XXXX and XXXX, please remove this account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I used XXXX to donate {$35.00} to XXXX XXXX XXXX. on XX/XX/2019. My credit card ( mastercard ) was by Bank of America. It was posted on my account in XX/XX/2019. I paid my bill when I received it. XXXX sent me a notice of late payment. I called Bank of America. They said they would investigate. I received another late notice from XXXX. My account with XXXX has been turned over to XXXX XXXX XXXX. XXXX says I owe them {$190.00} in late payments, fines and interest. My bank, Bank of America sent me a letter on XX/XX/2019 saying they resolved the case and credited my account {$37.00}. My credit score has gone from XXXX to XXXX because of their negligence. They owe me {$150.00} to pay back XXXX, and restore my good credit.

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 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a member of USAA for almost 30 years and on XX/XX/2019 a direct deposit in the amount of {$4500.00} was posted to my checking account for my payroll. On XX/XX/2019 I tried to raise my atm daily limit from {$610.00} to {$4500.00} on the USAA app, but was only able to raise to {$3000.00}. I then contacted USAA via their 800 number and first spoke with XXXX, who told me that my daily limit was not going to be raised. I explained to her that was a payroll deposit and funds should be available for withdrawal, since there is no hold for direct deposits. She continued telling me that the atm daily limit could not be raised, so I asked to speak with a manager or supervisor and she continued repeating that my limit would not be raised and did not transfer me. I then rang up and called again and after one hour in between holds on the phone, I was able to connect with a member of the executive resolutions office, who told me that since I had an overdraft on the past 12 months, I did not qualify for an atm limit raise to withdrawal my own payroll funds. I had then to transfer part of my funds to my son 's account to access the entire amount of my payroll.

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