vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
This is with USAA secure credit card. 

I made a purchase on XX/XX/05 for {$220.00}. The merchant converted my credit card payment to cash via XXXX. USAA charged me for a XXXX XXXX XXXX of {$6.00}. Since the charge, I have been paying a monthly " Interest on Cash Advances. '' The month of XXXX it was, {$0.00}, then XXXX {$1.00}, and XXXX {$1.00}. 

When I called USAA to ask how I can pay this charge off so I am not being continually charged every month for the interest on the cash advance fee, I was told I had to pay my entire card balance off ( which is about {$1600.00} right now ). When I asked if this meant that I would continue to be charged Interest on Cash Advances for the next several years, I was told yes ( until the card is paid off ). 

Each month I pay an additional {$100.00} ( normally the minimum payment is {$32.00} or {$31.00} ) so I pay about {$130.00} or {$130.00} a month. When I asked if any of this additional money could be paid towards the cash advance payment or if I could pay additional money to pay off the amount so I would not be charged each month for the additional Interest on Cash Advances, I was told XXXX. ' The ONLY way was to pay off the entire {$1600.00} balance. 

I have no control over how the vendor handles my credit card payment, so I should not be penalized for the next several years on a 'cash advance. ' Since this is a secure card, I thought I could direct additional money towards the payment of this cash advance? 

I have spoken to XXXX USAA representatives and when I asked to talk to a Supervisor, I was directed to their Resolution Dept, which did not resolve anything. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Lendbuzz Inc.
State: TN

Complaint narrative:
I had refinance my car lend buzz ( https : //lendbuzz.com/ ) back in XXXX so far was good but they haven't report my payment to XXXX, XXXX and XXXX XXXX I tried to contact them on XX/XX/XXXX regaled this problem, they said they had a problem due my name, they could fix it and was gon na take XXXX week, a whole month so far, there no fix

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NY

Complaint narrative:
there were XXXX charges against my card, totaling XXXX this happened in late XXXX all by the same person all from the same merchant {$5.00} and {$10.00} I submitted a claim the card company denied my claim I personnelly call many times XXXX or XXXX I spoke to XXXX different people on XXXX ocassion they stated that once a claim is denied that's it, no more talk, over there is no additional reviews allowed this is my XXXX direct deposXXXX account the card issurer is Direct Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2021 I submitted a dispute for a charge to my bank, XXXX, regarding a double charge on my credit statement. On XX/XX/2021 my credit report on Experian was altered and the result decreased my score by XXXX points. I submitted a dispute to Experian because they had listed my credit card as being in dispute with an FCRA tag. The account is listed but states there is no payment information or balance information. I received back an investigation complete letter XX/XX/2021 which stated there were no errors from Experian and the issue was with the subscriber- XXXX I contacted my bank and informed them of this and the bank initiated a dispute to verify the account information was being transmitted to Experian. I have since received a letter from the bank that states all information concerning the account is being reported accurately and the issue is with the credit reporting agency.

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 2021-11-22 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: FL

Complaint narrative:
FTC Complaint attached for XXXX and XXXX XXXX XXXX FRAUDULENTLY INQUIRIES, SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS FROM CREDIT REPORT I am writing to dispute these fraudulently inquiries by XXXX and XXXX. I am a victim of identity theft and did not open these account with Account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation, and method of investigation.

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 XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the account 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.Unverified Inquiries : Failure to substantiate the claim, Delete/remove Inquiries immediately from Experian. 

I demand the following accounts be verified or removed immediately. 

Provide Physical Proof of Verification : Unverified Account, FRAUDULENT INQUIRIES. 
Please remove all FRAUDULENT inquiries

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 2021-11-22 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 have hard inquiries that are on my credit file that should not be there. This information is not accurate. Please remove all of the inquiries that are on my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synovus Bank
State: MD

Complaint narrative:
I opened a SECURED, First Progress account in hopes to build my credit up. As a result of me building I was able to obtain better offers and decided to close my First Progress account. 

When my account was opened on the first day First Progress took out money for an annual fee and any other free print fees. My payments were being reported as late since I am only able to mail in a check for payment because I do not use nail pay service with my financial institution. 

I called twice about the matter and finally asked what I needed to do to be done with them and I was told to write in a letter requesting the account be closed effective immediately. 

I wrote the letter and mailed in XXXX mail. I have to date on the receipt which I do not have with me at this moment. However, they took their time closing the account just like they did with my payments and now they want me to pay another annual fee but the card is closed and I no longer wish to do business with them. The interest rate is horrible for money that is out of my pocket. 

I'm a single mother and recently I just tried to obtain a new job and was denied because of the negative remark SOLELY from First Progress. It is still COVID and I was never granted relief from them and as far as I am concerned I have never been late. This is really bad business for them to take on a role of greed like this. 

I asked First Progress to return a late fees which cause my account to go over as well as the XXXX $ annual fee, but instead was told that my credit would be ruined if I do not pay and the longer it took the worse it would get. 

I do not have the money to give them. Especially since they just costed me a job that I have been working towards for months. This is unfair business practice and I need more resources to verify the information that I have to provide. I have cancelled checks bank statements and postal receipts. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Hired lawyer credit companies ofered a compromise to satisfy I paid off through Lawyer the desired pay out NOW< compaies have filed against my name and discreditijng my credit score They were told and I signed the legal forms NO 1099-C to be filed with irs making me liable for the remainder from payout creating unearned income for which I have to suffer increased tax obligations

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 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX. 
XXXX of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX AN # XXXX of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2021, I received an email from Net Pay Advance welcoming me and advertising their " points '' and promotions. I didn't read it and deleted ( I found it later in my Deleted Items folder ). 

On XXXX XXXX, 2021, I received an email from Net Pay Advance with the subject " Due Date Reminder. '' I opened this email but since I have no business with this company did not respond. The message claimed I had {$110.00} due. 

On XXXX XXXX, 2021, I received an email with a time stamp of XXXX that an attempt to process a payment was not successful. 

On XXXX XXXX, 2021, I received an email from Net Pay Advance with a time stamp of XXXX. The email indicated that an automated request had been sent to the back account on file to receive payment for the loan. No withdrawal was made from my account. 

XXXX robo-call voice messages were on my voice mail related to this issue, at our home number ( which we use only for junk ). 

I do not want to contact this business because I do not know if they are legitimate. My credit report does not show any new debts or activity, at least not yet.

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 2021-11-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
Company sent a notice of acceleration on or near XX/XX/XXXX. 

XXXX ) The notice of the collections firm include an amount in arrears XXXX ) I disputed the debt but didn't get a reply within 30 days. 

XXXX ) The company filed for foreclosure sale on or near XX/XX/XXXX. 

XXXX ) The company told me they approved me for a modification on XX/XX/XXXX but I never got the modification and the company falsely noted that I withdrew the acceptance of the modification. 

XXXX ) I notified the company of the new XXXX CFPB rules on XX/XX/XXXX and they are mandated to contact and modify loans due to XXXX and the company ignored the request. 

XXXX ) I set up appointments to speak and the company calls on the wrong dates at the unassigned time. 

XXXX ) I get conflicting information on how the company will resolve its XX/XX/XXXX representation of approval for loss mitigation. XXXX person says 10 days another person gave me a date that's almost 21 days. 

XXXX ) The company hasnt processed a XX/XX/XXXX application of loss mitigation. 

XXXX ) I've sent multiple Notices of Errors, Qualified Written Responses, and other data to company and it hasn't replied or resolved any of the registered notices of errors and request for corrections. 

XXXX ) I'm getting call a from people seeking to buy my home being advertised for foreclosure when its illegal and a violation of the XXXX emergency by CFPB guidelines to conduct a sale at this time.

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 2021-11-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have been a joint checking account holder with my elderly mother, XXXX XXXX, for over 15 years. She lives an hour away from me ( I'm in XXXX Ohio, she's near XXXX ). When we opened the account, it was with XXXX XXXX Bank. The bank has been acquired several times ( XXXX, XXXX, XXXX ) over the years. In about XXXX, my mother became unable to manage her own finances, and asked me to help. This included paying bills, taxes, etc. from the account on her behalf. She has also received her monthly social security and small annuity payments into that account automatically, and had her Medicare premium ( and other bills ) auto debited from there. I'm not near her branch, so I've used online banking and paper checks to manage her obligations ( she doesn't have a debit card, nor do it, for this account ). I'd handled these tasks from Summer, XXXX until I ran into the issue I'm describing in XXXX, XXXX, after Huntington had acquired XXXX and began to migrate XXXX accounts into its own online banking platform. 

I first attempted to access my mother 's and my joint account via the Huntington platform in mid XXXX, at which time I entered the account number and requested social security number. I was then prompted that they would call me for multi-factor authentication, but the number they indicated they'd call has long since been out of service. At the time Huntington acquired Chemical Bank, Chemical Bank did have the correct number, so I'm not sure why the other number was the only option for authentication. My only option online after that was to call Huntington 's perennially understaffed call center. I have tried XXXX times since XXXX. Each time, I've been told by an automated voice that " call volume is unusually high, '' and not even given the opportunity to wait in queue. Instead, I was prompted to call back at a later time. It is now over a month since I could last access this account. During that period, I've had no way of paying a number of bills, etc. 

I've also tried to work with Huntington 's chat bot online and the phone app. All roads always lead to calling the call center with its perenially, " unusually high call volume. '' In the meantime, I'm unable to pay my mother 's bills ( including her room and board at the XXXX XXXX and prescriptions ) or access the account at all. 

Again, I live an hour away from my mother. I do not have a debit or credit card for this account. She lives in a XXXX XXXX, is basically immobile, and is mildly, cognitively impaired, so she does not and will not attempt to manage her affairs. The fact that Huntington has set up this number of roadblocks using outdated information, with no way around calling an ineffective call center seems a little ridiculous to me, and certainly not customer-friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: NC

Complaint narrative:
dates : XXXX XXXX XXXX at different times. the company is XXXX ( american coradiaus international LLC. this company has been contacting me on behalf of my debt with XXXX XXXX savings bank. i agreed on an amount to be taken out of my checking account but i do not feel comfortable with giving this type of information because they could be scamming me. i already gave them the checking account and routing number but i do not think they should have asked for this information. and they do not give me the full account numbers for my past due XXXX XXXX XXXX bank accounts, only the last XXXX digits. i would like for this company to not go into my bank account and not take anything out. i am a XXXX veteran and do not feel well at times. please inform them of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NC

Complaint narrative:
Today XXXX/XXXX/2021 i called Experian and i spoke with XXXX at approximately XXXX, i explained to her that i disputed a PXXXX XXXX XXXX account that randomly appeared in my credit file and i never done business or wish to do business with that company, i then told XXXX that i received a notification ON XXXX/XXXX/2021 that states " This item has been removed from your credit report ( XXXX XXXX XXXX  XXXX and it gave me a report number, after i gAve her the report number, she tells me that she doesn't know what happened and told me i need to file a police report and identity theft report. I ask why do i need to file a police report or identity report, if Experian mixed my file with someone elses. she told me i can wait 30 days to see what will happen. 

i mentioned that i would like to dispute an address, because its not mine she refused telling me i need to file a police report I also called about XXXX account, which i disputed and there is no indication or notation that its being investigated with Experian, i asked her can i just dispute it again, she became rude and nasty. telling me i need to file a police report and identity theft 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