vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX the following complaint was filed ... This XXXX  XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. USAA has been asked to correct this inaccuracy. XXXX and XXXX  have also been notified to correct the false information but have not. Company responded on XX/XX/XXXX. " In your submission, you indicate the XXXX XXXX XXXX XXXX ( XXXX ) account XXXX is paid in full and not open or in a payment plan. You indicate USAA, XXXX, and XXXX  have not corrected this as requested. You ask USAA to report the account as paid and closed. In XX/XX/XXXX, USAA contracted a joint auto loan ending in XXXX for you and Mrs. XXXX. On XX/XX/XXXX, we received notification of a Chapter XXXX bankruptcy filing for you and XXXX XXXX. On XX/XX/XXXX, the loan was charged off for {$13000.00} in keeping with our procedures for debts in bankruptcy that have had no payments in 60 days. From XX/XX/XXXX, to XX/XX/XXXX, multiple payments totaling {$13000.00} posted to the loan, paying it off. '' My question is, " If the loan is paid off, why can USAA not report the loan as " paid '' and " closed ''? Why does USAA continue to obfuscate? The facts are plain to see, the loan is paid and should be reported as " paid '' and " closed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: TX

Complaint narrative:
In XX/XX/2017 I call USAA Saving Banks and requested to closed my checking account. I was told by a representative that I had pending charges and once they cleared they would send me a check in the mail for the remaining balance. I received the check and later cashed it. A few months later I received a notification that a late payment was reported to the credit bureau. I checked that notice and it was from USAA Saving Banks reporting that I owe them {$10.00}. They have been reporting me late for the last few months on an account that I closed in XX/XX/XXXX and received a refund from. I have enclosed a copy of that check in my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This has been going on for at least 1 month, if not longer. I ALWAYS input the same information on my credit report to get access, including the confirmation numbers they give me, this is the latest one - XXXX. Tells me the same thing all the time, " The information does not match our records ''. Now, keep in mind, I am going by the credit report they send me with the confirmation number that has been PROVIDED by Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
Forty-five mortgage payments I made to Bank Of America starting in XX/XX/XXXX and continuing until XX/XX/XXXX were not credited to my mortgage until XX/XX/XXXX. Total this was almost {$17000.00}. BOA continued to charge me interest on money that I had paid to them for 4.5 years.They finally applied my payments in XX/XX/XXXX. 
I have asked BOA what they were doing with my money between XX/XX/XXXX and XX/XX/XXXX. The only response I have gotten from them is that they did apply the payments in XX/XX/XXXX.

I am aware that they applied these payments in XX/XX/XXXX, but I made the payments several years earlier. 
My question continues to be why didn't they credit my account when I made the payment instead of waiting over four years?

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 2018-07-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Upon receiving a print out of my credit report I found that Sears/CBNA was reporting an active account as current with a balance of {$6600.00}. I reach out to the fraud department at Sears. I told the Sears representative that I never applied for credit and that the account should be closed and removed from my credit report asap!!!!. I was told that the account would be sent to the department that handles those matters and that if in fact it was a fraudulent account they would close the account and remove it from my credit report also I would receive a letter with in 10 days stating the outcome. four months past and nothing was done so I printed another report on XX/XX/18 and the account still shows as active with the same balance. I reach out to Sears fraud department again on XX/XX/18 and after spending all day on the phone they couldn't produce any evidence like sing application, or photo Id. Sear could not proof or give me any answer as to how they open and account without verifying my identity or information. They told me that the only thing they could do is remove my name from the account and that would be all they could do for me. I requested for the account to be erased and removed on its entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
My complaint is with Portfolio Recovery and debt collection agency located in XXXX Pa. I had an outstanding balance on a credit card with XXXX XXXX which was farmed out to Portfolio Recovery for collection. I had paid off 2/3 of the debt and have a balance of {$570.00} that I intend to pay off. I expressed this to an agent whose name is XXXX XXXX. Right away she got aggressive when I said I would take care of it when I had the money which would be around the XXXX of the month. She wanted to set up check/bank arrangements right away or a payoff schedule. I told her three times that I would pay them at the XXXX of the month. In reviewing my telephone call history I have seen Portfolio has been calling me very frequently since XX/XX/18. This morning XX/XX/18 Ms XXXX and Portfolio Recovery called me at XXXX XXXX using a spoof telephone ID number from XXXX XXXX. ( XXXX ). When I answered she asked if I was my name without identifying the nature of the call or the identity of her company. I didnt give her any info. End of call. She followed up per my call history 7 minutes later with Portfolio Recoverys usual phone number showing correct area code and exchange ( XXXX ). I didnt answer it. 

I have told them repeatedly that I would deal with them on the XXXX of the month. The phone calls since then appear to be an insult and harassment and I think something should be done about it. 

Further the agent read a disclaimer to me that debt they are trying to collect maybe something which XXXX XXXX credit card may deem to be old and beyond the statute of limitations. This is bizarre. Why is this being read to me if the debt is possibly not a debt by their own words? 

I feel that while I owe XXXX XXXX, this debt collector is becoming abusive with daily phone calls, not representing themselves for who they are, trying to strong arm me into making financial arrangements against my personal checking account after telling them repeatedly I would pay them on the XXXX of the month and calling all hours of the day. I realize they can call between XXXX and XXXX XXXX. They need to be stopped. 

I have recently moved from XXXX where I incurred the debt. I now reside in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 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: NJ

Complaint narrative:
In XX/XX/2017 my credit card company detected suspicious activity and alerted me to a series of casino and cash transactions in rapid succession. They discovered fraud and reversed those charges and issued a new card. HOWEVER since that time they have charged me interest on those fraudulent cash advances every month. I have called to try and resolve it but every time I am transferred to four or five different representatives and have to leave a voicemail and NEVER receive a call back. No rep can explain why I continue to be charged for cash advances that I never made and were reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-28 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: NJ

Complaint narrative:
On or about XX/XX/2018, Equifax has a fraud alert displaying on my fico report. Today is XX/XX/2018 and my credit scores have not changed a single point. I keep track of my credit scores on a daily basis using XXXX. Is there an issue or an alert fraud freeze on my file? If there is, I did not requested this not called it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Attention Mr XXXX XXXX : Today I called into Barclays XXXX customer service and inquired as to having a hold released from a payment that was made 2 days prior. I needed to have funds made available immediately as I had automatic bill payments coming to this account that wont be paid. The payment was for {$5100.00}. Ive had this account open for a year and they still continue to inconvenience me by holding my ELECTRONIC payments. Ive paid over {$15000.00} to this account this month. Ive never had a late or returned payment. This is unacceptable how Im being treated! This has happened several times before and they would usually call over to my bank XXXX XXXX, verify payment posted with them and immediately make funds available. Today, I spoke to a condescending representative named XXXX who refused to resolve problem in any way. I was denied to speak with their credit department. After repeatedly asking to be transferred to someone else, I was transferred to a manager Mrs XXXX  who when asked, didnt know who the president of this bank was. This is hilarious! A manager who doesnt know the President of the company that she works for. Ive attached a screenshot showing payment already posted to XXXX XXXX  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 2018-07-28 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: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I filed for bankruptcy on XX/XX/2018. Prior to this filing Collectech Diversified never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted Collectech Diversified, XXXX XXXX XXXX XXXX ( the original creditor ) XXXX, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force Collectech Diversified to update this account the representative called XXXX with Collectech while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report 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 2018-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX NO ; XXXX C/O Resurgent Capital Services ;  XXXX XXXX XXXX XXXX SC XXXX ; this was sold to the collection company from XXXX XXXX XXXX, and I received notification from all 3 Credit Bureaus that XXXX XXXX XXXX was Deleted from my credit, and this is the only one that is showing up on my report would like this Deleted from my credit as well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: TX

Complaint narrative:
I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX  ( the original creditor ) XXXX, XXXX  and Equifax numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX  and asked that they force XXXX XXXX to update this account the representative called XXXX  with XXXX  while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX ( the original creditor ) Experian, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force XXXX XXXX to update this account the representative called XXXX with XXXX while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report 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 non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I have contacted CBA ( Collection Bureau of America ), multiple times via mail and telephone to inform them that I have never had an account with XXXX XXXX  or given anyone permission to open an account in my name with this comapny. I have also disputed this information with XXXX, XXXX, and XXXX. I have sent them proof of my identity, proof of social security number and proof of my address and asked them to stop reporting this information on my credit reports as the account does not and never has belonged to me. I have asked both XXXX XXXX   and CBA to provide a copy of the contract or credit agreement that I signed and to date have never received this information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2016 I contacted XXXX from Chase 's XXXX, FL call center concerning an unauthorized late fee on my XXXX XXXX consumer credit card. XXXX was not willing to remove an unauthorized and undeserved late charge on my XXXX XXXX Credit Card. I made my normal monthly payment which is 400 % of the minimum due, and to my surprise and disgust Chase charged me a {$27.00} late fee. XXXX was rude, unprofessional and couldn't fully explain her position on behalf of Chase. This is unacceptable. I recommend looking at the overarching consumer credit policy compliance at Chase. Unsatisfactory and unacceptable for the American consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
I recived a debit warning from Transworld Systens informing I own a debit to XXXX XXXX XXXX XXXX  - Second, amont US {$1700.00}. 

I never rented a car in this company, they spell my last nome wrong. There wans't another informations as a invoice, date, or anyelse infomation that could make this debit real. 

I saw a lot of reviews about this colector company send fake bills. 

I'm not a american resident, I'm a tourist who come twice a year to spend vacations. The attempt to collect a debit was mail to my vacation home. 

I'm attached the attempt collect debit. 

I dont know what to do. I apreciate some instrution about what to do. 

Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: GA

Complaint narrative:
Eqofax is the worst company to deal with.thier dispute form is the most irrational forum.they ask too many questions and make you irritated so you give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have been filing for income driven repayments for several years. Each year on the application I check the box for Navient to pick the best plan for me. I have had a zero repayment for a few years now because I have had no taxable income during that time. After doing research on the options available and looking at my loans online I was shocked to find that I was not in the IDR plan that provided the most benefit to me. Currently they have me enrolled in the IBR plan and for the last couple of years I have qualified for the REPAYE Plan. Under REPAYE I would have received a credit for 50 % of the unpaid interest due on my qualified loans each year. This would have saved me $ 1000s each year on my student loans. I contacted Navient about this, verified with them that I qualified for this plan and they told me to submit the request to have this switched online. I filled out all the paperwork, paid the {$5.00} charge, had my loans switched to forbearance during the approval window and today received a letter saying I was rejected because I was outside of the application timeframe. 

I have qualified for this plan for almost 3 years. The plan would cut my accrued interest each year by 50 % and save me $ 1,000s of dollars per year and $ 10,000s over the life of the loan. Navient was given approval by me to pick the best IDR repayment option for me and they failed to do this. I informed them of this error, took the necessary steps to fix this going forward, verified I qualified, followed their instructions step by step and was still not put in the best plan for me. I have also noticed that during this process they have removed the .25 % interest reduction I had for being set on autopay. So now not only am I on a more costly plan they have raised the rate I am paying on these loans.

Company response to consumer: Closed with explanation