vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I disputed charges with USAA. USAA refused to honor my credit card agreement and protect its consumer 's rights. 

Cardholder - XXXX XXXX, XXXX. 

Credit card number included below. 

THIS IS NOT A DUPLICATE COMPLAINT. USAA REFUSED TO ADDRESS THE MERITS OF MY FIRST COMPLAINT BY FALSELY CLAIMING THAT IT COULD NOT LOCATE MY 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 2019-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Advantage financial services LLC located in XXXX Idaho has three medical accounts in collections. 
None of these accounts are suppose to have interest or late payments, when I contacted AFS to resolve the issue. 
The employees there said that I don't know what I'm talking about, that they can change interest if they want to, and that it's my own fault for being irresponsible for my debt. 
The staff yell, threaten, and are very inappropriate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I called Bank of America to close my Cash Rewards Visa account. After being put on hold for 25 minutes, I was finally able to talk with someone. 
The representative confirmed that my account has {$0.00} balance and has a cash reward of {$4.00}. 
For the cash reward, I requested a check to be mailed out to me to the address I confirmed in the beginning of the call. 
However, the representative told me that since the amount is less than {$25.00}, they can not do it, regardless of the account being closed, and despite the fact that I earned it.

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 2019-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NC

Complaint narrative:
On XX/XX/2019 I contacted collection agency ERC to ask them to validate the debt they kept reporting. I have given this collection agency way past 30 days to respond and provide me with the information or proof that the account was mine. They have yet to validate this information to me. I also have the attachment of where I sent and asked this collection agency for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2019, and XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding an inaccurate account on my credit reports from SYNC Bank/Amazon, account number XXXX, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX. USPS verified that all my requests were received. To date, I have not received any compliance, information, proof or verification methods to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. This account has never been authorized to be opened. 
I expect this account will be removed from my credit files immediately.

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 2019-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I called and they threatened to arrest me and also curse at me ... they also said that if I dont pay up that police going to arrest me and hold a collection charge on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I pay my bills off fully as they come via online banking. I thought online bill pay took a day or two to clear. I didnt realize that that a payment could be mailed and could take five days to process. So in XXXX I paid my bill on XX/XX/XXXX. Not due until XX/XX/XXXX. It did not post until the XXXX. They are charging me a late fee. After reading the bank policies, I see that I could take five days. That still should post on the XXXX, not the XXXX. 

My original complaint was over my XXXX bill. I paid it on the XXXX thinking it was it was online, not mailed. It was due on the XXXX. They are saying they didnt receive it until the XXXX. When I complained to the XXXX  XXXX  XXXX  I got this letter, with a completely different date structure. But if this is really the late payment, I was even earlier on this payment and it should have cleared with two days to go. 

Im arguing the original late payment and the ones that compounded while I fought the first. I dont know why its taking them so long to process a payment but I shouldnt be charged since I didnt realize that it was online bill paying. But even more so because the five days check window is clearly a processing issue on their end. And I should never have paid the {$37.00} in XXXX because it was a late fee that I didnt pay attention to and it was incorrectly paid. So ultimately I should be refunded {$37.00}. I did owe the penny as I see that I missed it in the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/2019, an ACH transfer was originated to PayPal from XXXX totalling {$99.00}, to settle a negative account balance of the same amount. On XX/XX/2019, at XXXX XXXX  US Central Time, the transaction completed with trace ID XXXX. As of XX/XX/2019, at XXXX XXXX US Central Time, PayPal customer service management claims the funds were not transferred. Consequently, I am unable to complete transactions using PayPal because the service automatically attempts to charge my account an additional {$99.00} to cover the negative balance already covered. 

PayPal advised 3-5 business days to complete ACH transactions, and refers to this advisement in attempt to reconcile this matter. However, as detailed above, the transaction already completed on XX/XX/XXXX, and PayPal has chosen not to apply my payment to my account upon receipt of funds from my bank. Because PayPal has chosen to hold my money and delay applying it to my account, I can not complete an important transaction before the end of a significant discount period. Consequently, PayPal will cost me an unjustified approximate {$100.00} even if I wait for them to apply the funds that they have already received. 

PayPal 's customer service manager claimed on the phone with my bank 's customer service that the funds did not transfer, even as my bank advised that the funds in fact did transfer on the XXXX of XXXX. It is therefore only possible that either my bank is lying, to no perceivable benefit, or PayPal is lying in order to misappropriate my funds for some period of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX  XXXX  WAS DELETED BY XXXX  XX/XX/2012 IN ERROR, FILE NO.XXXX, SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After notifying Equifax that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Equifax, presumably accepted my request but without notifying me, converted my request to a dispute instead and have never sent the results of that dispute till this very day. Which is in violation of law. Then 30 days later sent me a correspondence stating they verified some of the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Equifax verify? Additionally, Equifax refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Equifax has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Equifax refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. I am filing this complaint because they are still playing. I am going to sue their XXXX if they dont correct this. Please help me get these fraudulent items blocked from my credit file. Equifax is the only one reporting them. XXXX XXXX**** {$470.00} XX/XX/XXXX XXXX XXXX**** {$5700.00} XX/XX/XXXX XXXX  XXXX**** {$1300.00} XX/XX/XXXX XXXX  XXXX  XXXX  XXXX**** {$0.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** {$62.00} XX/XX/XXXX XXXX XXXX**** {$490.00} XX/XX/XXXX XXXX XXXX**** {$84.00} XX/XX/XXXX XXXX XXXX XXXX**** {$18000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$270.00} XX/XX/XXXX Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My mortgage was transferred to SLS effective XX/XX/2019. I contacted XXXX on XX/XX/2019 to inquire about the status of my loan. On XX/XX/2019, I spoke with XXXX regarding the payment I remitted on Tuesday, XX/XX/XXXX. He stated that the payment was not reflected on my account. I proceeded to ask him about the status of my mortgage. He reported that its due for XXXX-XXXX  with {$66.00} in late fees and XXXX in uncollected receivable fees. I inquired about the latter and mentioned that it was foreclosure fees. 

I was astounded because this was the first time I heard of this as Ive been in contact with XXXX practically every month since XX/XX/2019 regarding the status of my loan. Several representatives informed me that while XXXX was in bankruptcy, I needed to ensure that all payments were made and that problems would occur if I was delinquent in excess of 121 days. Spoke with XXXX & XXXX on XX/XX/XXXX ; called on XX/XX/XXXX & XXXX ; XX/XX/2019, spoke to XXXX ; XX/XX/2019 spoke with XXXX and called on XX/XX/XXXX. 

I called SLS on XX/XX/XXXX and spoke with XXXX. He informed me that I shouldve received a good bye package in the mail stating that my loan was transferred along with the bankruptcy fees. 
Yesterday, XXXX XX/XX/XXXX credited my account XXXX. The payment I made last week was returned because it was sent to the wrong address!!! 

Im at a total lost as none of this is making any sense and everyone I speak with provide me with different information. No mortgage company should function like this.

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 2019-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I have been given the run around for months over an account that my mother opened in my name. I have a state trooper involved to help me try to press charges against her and no one will give the trooper or I any information. I keep being told that I will get paperwork sent to me and never receive any paper work. I also was told the trooper can call and get the information and they will not allow him to get any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
I decided to put all my bills together.with freedom debt relief and was told that my payment was be between 24 -- -48 months for {$380.00} and it will be all paid up.I have already paid 27 payment.and now freedom debt relief is asking for another 30 payments and want me to agree for another 30 months .I m not doing another 30 months. when that was not told in the beginning .I told a different story from freedom debt relief.they are say one thing 24-48 and saying 58 months I will be fixing XXXX and started in XX/XX/08 XXXX that not right I needed some help please.that what I was told in the beganing freedom debt relief 58 months when that is not in our contracted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC has an account on my credit that is not mine/inaccurate.

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 2019-11-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I initiated a transaction on XXXX website. They allowed XXXX to bill my credit card for a total of {$590.00} of which {$170.00} itemized as " Integration Additional Costs ''. 

I called XXXX and XXXX to find out what these charges actually represented and I was told both by XXXX and XXXX XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) that they could not account for or identify those charges and that it was perfectly ok for me to request that the charges {$170.00} be removed by Chase. 

Unfortunately, even after talking ( conferencing the call ) with both XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) and XXXX, XXXX, XXXX, XXXX, XXXX ( Chase Fraud Dept. ), XXXX, XXXX and XXXX from Chase Dispute Dept and XXXX ( Account Supervisor from the Chase Dispute Dept. ) none of them would remove those charges from my credit card. 

Maybe XXXX and XXXX are charging many customers these charges only to be told by their cc issuers that that can not be removed. 

XXXX from XXXX ( ( XXXX ) XXXX ) has no idea of where these charges came from : ( Integration Additional Costs, ( FIN, SER, RES, DAM : {$170.00} ) XXXX from XXXX spoke to XXXX : Supervisor ( XXXX ) XXXX ) from XXXX and verified that these are Not legitimate charges and should be removed from my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
case # XXXX contiued, this is the date Loan Modification was signed and finalized. 

I XXXX XXXX  XXXX is still just an authorized user on the account, Estate Of XXXX XXXX XXXX I can't ; refi and or find other options to avoid forclosure because the loan has not been fully finalized in PHH Mortgages Services and or with the XXXX County Assessor Clerk. 

PHH has me in default by 64 days, with monthly payment increase two different times, i have been paying what was on my loan modification {$880.00}, i have not been in my new Modified loan for 64 days, i am so confused, as a service connected XXXX Veteran with a family, my everyday life is a hardship, i would like to fix the problem by a mortgage deferral, forbearance without a down payment! please help me fix this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  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 2019-11-17 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief