vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 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: FL

Complaint narrative:
See attatched USAA statement showing Transactions card XXXX XX/XX/XXXX New Purchase ** I did Not Purchase or Authorize {$120.00} & {$210.00} total New Transactions Added to my account {$340.00}. see attatched FRAUD CLAIM DATED XX/XX/XXXX letter date XX/XX/XXXX {$210.00} FRAUD CLAIM DATED XX/XX/XXXX. letter date XX/XX/XXXX {$120.00} ( THE CREDIT WE DEPOSITED AT THE BEGINNING OF INVESTIGATION * HAVE BEEN REVERSED. ) now see attatched XX/XX/XXXX STATEMENT. ( There are NO USAA CREDITS DEPOSITED XX/XX/XXXX TO REVERSE. XX/XX/XXXX ONLY MERCHANTS CREDITS CREDITED XX/XX/XXXX. ) ****USAA STEALS MERCHANTS CREDITS OF XX/XX/XXXX, & XX/XX/XXXX {$340.00}. ON XX/XX/XXXX. *** HOLDING CONSUMER LIABLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/19 I opened a account, I was offered a {$650.00} bonus offer making deposits totaling {$3000.00} for 6 months I was to get {$650.00}. I have yet to receive the offer outlined by Wells Fargo Bank. I opened a executive case # XXXX no response from wells fargo. I completed the requirement in addition have a transfer to savings of {$1.00} or more.

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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I was approved for a deed in lieu with XXXX several years ago. Shellpoint is now sending me letters asking me for payments. Smh

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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 — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA DOES NOT CORRECT ACCOUNTING ERRORS. See attatched XX/XX/2019 STATEMENT showing NEW PURCHASES Summary Account Activity ** ERROR ( {$2.00}, XXXX ) AND SHOWING TOTAL TRANSACTIONS * ONLY ( {$2200.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
Company is Simmons Agency. I had a visit to XXXX XXXX XXXX during a time when inhad no insurance. I paid my XXXX Then i was billed XXXX. They said thst i would owe nothing when i called them. Now i have this company simm9ns agency calling me daily from phone numbers all over the USA. 
This agency is also calling me about a mefical debt from XXXX XXXX. I am refuting validity of. They are charging me for xrays i never took. I went to there over wsited over 1 houe .. Got up and walked awsy with no tests. They turned it in to my insurance company. I asked for the films. They refuse to give me. They sent a piece of paper. I know i never took. This is XXXX. 
The XXXX XXXX was 3 yesrs aho XXXX. And XXXX  was XXXX. I have repeatedly told Simm9n Agency not to call on my work phone. I have asked and told community that this is unfair. I am at a liss. They call me constantly. There is no one there when you pick up and then they come 9n and ask you to wait for a telephone operator.this goes on 3 to 4 times a day. All from different masked numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I filed with the cfpb, they have closed my account XXXX, but nothing has been resolved. I have a credit on my Capital One credit card, due to my diligence, not theirs and I still can not redeem the rewards I have earned. This is not a resolved or closed account. I have spent three months waiting to redeem my rewards. I have paid Capital One in full every month I have owned their credit card, for many many years. Why am I unable to redeem the rewards I've earned? This is unacceptable on cfpb 's part and Capital One 's part. It is not resolved!!!!!!!!!!!!!!!!!!! ( I have lived at my present address for 19 years, am a XXXX  XXXX  for over 40 years. ) Do your diligence and clear up this problem. NOW This is definitely a case of discrimination not fraud. I've noticed no fraud whatsoever on my credit card and watch it like an eagle. They have copies of my passport, passport card, front and back of my driver 's license everything they have requested after the letter sent. This is way more than 60 days. 

Both the cfpb and the Capital One credit card have not cleared this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I have two debts that appear on my credit reports from credit collection svcs one for XXXX for XXXX XXXX and another for XXXX from XXXX. I have sent the company over and over my court paperwork and police report which clearly state these are not mine and I am a victim of identity theft. They instead sent back false paperwork with my wrong name and address that was dated 3 years after the debt took place. They are intentionally trying to collect an illegal debt and ruing my credit history.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have 2 collection accounts with National Credit System, which was placed by XXXX XXXX. 
First account is for {$2500.00}, and the date of last payment was XX/XX/XXXX. However, they are claiming the date of last payment is XX/XX/XXXX. This is incorrect. Also, they are reporting that the date of first delinquency is XX/XX/XXXX, it should be XX/XX/XXXX. 
The second account is for {$500.00}, and they are saying I never paid it when I provided a ledger of all activity while I lived at XXXX. I had to pay {$500.00} for a sure deposit before I could move in, and it is on the ledger that I paid the {$500.00} on XX/XX/XXXX. I have submitted numerous disputes with XXXX, and I provided the ledger with all information w my disputes. 
XXXX  keeps coming back that they contacted National Credit Systems, and XXXX  will not remove the 2 collection accounts when I am providing them with the information of my ledger and all payment activity. XXXX   keeps saying that National Credit Systems is providing them with the information that the data they have is correct, and it isnt correct! XXXX   will not use the ledger I am providing to them, and they are going with what National Credit Systems says. 
I would like to file formal complaints against XXXX  for not using the ledger that shows the actual information, and I would like to file formal complaints against National Credit Systems for the 2 collection accounts that they are saying I owe with false date of first delinquency dates along with last payment made as false. 
Im providing the actual information, and XXXX  wont do anything to correct/delete the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA Collections has several debt listed on my credit report that do not belong to me. I have been notifying the company since XXXX, so yes ... 5 years of this nonsense that these accounts are fraudulent. in XXXX the person who committed these acts admitted to do so and the judge ordered all of these accounts as identity theft and to be removed. I have sent in that paperwork along with my police report that says the same thing over and over to this company ... yet they are still reporting all of these debts to the credit agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
Credit Bureau Systems is reporting several accounts to my credit reports that are results of identity theft. I have contacted the company several times since XXXX when this started with police and court paperwork that clearly state these are not my accounts and they were opened fraudulently by someone else. That person even admitted to the opening of the accounts in XXXX and was ordered by the Judge to pay all of them, yet CBS has ignored all legal paperwork sent to them and still reported accounts they know are fraudulent for over the past 5 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. This will serve as notice of pending upcoming litigation I have been asking for. Copy of my consumer report and a freeze on my report with confirmation. Sagestream keeps mentioning credit report and my request has been for consumer reports which I am in entitled to request according to the fair credit reporting act. I have done this via certified mail on three different occasions they reviewed my mailman request they would have known. 

Sagestream is in violation of the FCRA and NJ FCRA I will seek remedy through legal means including damages for willful neglect and financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: KY

Complaint narrative:
IC Systems Inc is reporting a fraudulent collection on my credit reports that is a result of identity theft. I have notified the company several times but yet they are still reporting the false information

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 2020-03-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian keeps old accounts listed on credit reports as if those accounts are still active. Experian is also lowering scores in order to promote Experian boost. The are constantly trying to sell goods and services pertaining to improving individuals credit which is unethical when it's Experian that interprets individuals information and dictates the score.

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 2020-03-25 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: PA

Complaint narrative:
I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on XXXX XXXX, But Experian only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you

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 2020-03-25 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: NJ

Complaint narrative:
On XX/XX/XXXX the President waived all interest on student loans. I made a payment to my student loan held by Navient on XX/XX/XXXX to my consolidated loan. Navient collected the interest on the loans first, then applied the the remaining payment to the principal amount. 

It seems they are functioning as normal and not following the President of the United States orders. I emailed a complaint to their website and told them i would be contacting the CFPB. Please keep me in the loop with how this complaint will be processed. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I contacted XXXX and I heard nothing back about my banking error complaint I experienced with BB & T in XXXX FL. 
Located at XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a new BB & t customer down in XXXX FL. I made 3 purchases with my new temporary debit card and two with the previous temporary debit card. Every time I make 2-3 purchases on a temporary card, BB & T SHUTS my card off FOR NO REASON. I have been stranded unable to XXXX and put in situations where they would be liable due to poor mismanagement of my account card that I only used for 2 XXXX  and a purchase at the dollar store. There was no reason for them to abruptly shut off my card. These types of banks create reasons for hateful activities once consumers bring up a complaint. I had to go in person and beg for them to unlock the door and let me in to fix what they did to my card 2 times. They did this cause of the current procedures. I stood in the drive through line and they made me beg them to fix my card then did it to me 2 times. Please assist me now this is not safe to be running back to their bank.

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 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: GA

Complaint narrative:
A purchase an RV from SST and after a month of having the unit my husband had XXXX XXXX. I call them Immediately and told them I would like to volunteer surrender the unit. It took them 5 months to finally pick the unit Up. They sold the unit at an auction and then I had a remaining balance they wrote it off and turned it over to a collection agency I called the collection agency to try to set some kind of small payment To pay them. They would not accept any payment from Me. They said I would have to pay the whole balance which was {$15000.00}. I am on XXXX and do not have {$15000.00} in my account in they refused to take Any kind of payment from me. So now they report every month my payment is Late and add interest to it. Could you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: NJ

Complaint narrative:
I recently filed to refinance my vehicle, I regularly check my XXXX XXXX   and XXXX on their website. My application was denied by XXXX XXXX due to the inaccurate information reported by Equifax not updating their information with my current credit score of XXXX instead of XXXX! Ive been working hard to get back to the upper XXXX, my XXXX shows XXXX XXXX  XXXX and Equifax XXXX! Equifax has been stopping me from moving into apartments that want to see a higher credit score and disrupting me from refinancing my vehicle so I can continue growing my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: PA

Complaint narrative:
I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on Trans Union, But XXXX  only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you

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 2020-03-25 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: PA

Complaint narrative:
I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on XXXX XXXX, But XXXX only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I have been dealing with Carrington Mortgage since the end of XXXX trying to get them to cancel a subordinate security deed they placed on my property. It's a subordinate security deed that they submitted to HUD and HUD rejected it but Carrington mortgage recorded the deed anyway. I am trying to refinance my property and I can not close on my property until Carrington cancels that security deed. I have been in contact with XXXX XXXX on multiple occasions and she has stated that she has escalated this to their legal department and VP however she has not responded to us in over a week and my lock is about to expire for my refinance. I believe that she has been unprofessional rude and unconcerned with me trying to refinance my property and get this subordinate security deed that is recorded in Error canceled so that I can close. I don't know what else to do except to report them to the CFPB or the bank and finance department. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
Several months ago staring in 2019, I attempted to refinance our home at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I was attempting to refinance {$140000.00} from a 30 year fixed mortgage to a 10 year mortgage with the same company that currently services the mortgage, Roundpoint Servicing Corporation, XXXX XXXX XXXX, XXXX, N.C. XXXX. We paid for an appraisal of {$450.00}. I have called or attempted to call the company on numerous occasions and have continually been put off or told that action would be taken. I have not received anything further in writing and have not received any definite dates when action will be taken. It has been at least 3 months now and I have not been able to get action on this loan application despite numerous calls to the company.

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