vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 After recieveing another ATTEMPT TO COLLECT A DEBT LETTER dated XX/XX/2020 I called USAA Asking If the USAA Temporary Credits list as Adjustment Purchases What do Permanet Credits list as on my Statements? How will I recognize the {$4000.00} plus Temporary Credits Listed as Adjustment Purchases BE MADE PERMANET FOR THE IDENINITY THEFT ON MY ACCOUNT XXXX puts me on hold immeadetely after I waited 45 mins call is then dropped. I call back XXXX answers He is very annoyed with me calling I explain IF I WAS PROVIDED ACCESS ON LINE I would not need to call I ask WITH ADJUSTMENT PURCHASES BEING TEMPORARY USAA CREDITS What will the PERMANET USAA CREDITS list as SO I CAN FIND THEM ON MY STATEMENT XXXX answers he dies not know. I ask him to please find out He responds why You do not have an account with us. I ask Why are you harrassing me with attempts to collect? XXXX answers, I'm not trying to collect from you. XXXX 'S LAST RESPONCE YOU BETTER GET AN ATTORNEY. USAA has been sent the Ideninity Theft Report THEY ARE AWARE BUT IGNORE. USAA NEVER ANSWERS WITH ANY PROOF TEMPORARY CREDITS WERE EVER MADE PERMANET Showing on my statements as PERMANET CREDITS. USAA ALSO HAS COPY OF CRIMINAL INVESTIGATION MAIL FRAUD NO DELIVERIES MADE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX CARD Made on : XX/XX/2018 Made with : XXXX Made by : JPMCB CARD Made on : XX/XX/2018 Made with : Equifax I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX CARD Made on : XX/XX/2018 Made with : Experian Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX 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 2020-02-02 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I never resided at the place that Transworld collection agency is representing which is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As I reported earlier this evening, Chase bank reversed a {$5500.00} electronic payment that I made to Chase card services on XX/XX/XXXX. However they have not put {$5500.00} back into any account of mine nor contacted me regarding this {$5500.00}. I am highly concerned about this as it appears its just been stolen from me. Its almost XXXX XXXX I havent gotten any sleep, Im XXXX. I hate Chase Bank and the agony they have caused me since XX/XX/XXXX!!! Please help me find some resolve with this XXXX bank!!! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: NY

Complaint narrative:
CRA refuses to investigate my previous dispute regarding a derogatory ( Bankruptcy ) public record that they are still reporting, and refuses to re-investigate. 

Experian has never contacted the data furnisher of information regarding my dispute, rather is using a third party vendor known as XXXX XXXX. 

I'm requesting an investigation how the bankruptcy came to be on my credit report, or that the derogatory public record is deleted within 30 days.

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 2020-02-02 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: EdFinancial Services
State: VA

Complaint narrative:
I HAD A STUDENT LOAN THAT WAS CLOSED AND TRANSFER BUT THE MAIN ISSUE I AM HAVING IS I AM MISSING MY PAYMENT HISTORY ON THIS ACCOUNT. FOR THE MONTH THAT I HAVE MADE PAYMENT. WHAT THE REPORTING AGENCY ARE REPORTING IS NOT ACCURATE. I CALLED IN AND I EVEN TRIED TO REACH OUT TO ED FINANCIAL WITH NO LUCK. THE LOAN TRADE LINE XXXX MY PAYMENT HISTORY ON THIS ACCOUNT BEGINS XX/XX/XXXX XXXXAND IT GOES TO XX/XX/2012 I SHOULD HAVE 24 MONTH OF GOOD PAYMENT HISTORY ON THIS ACCOUNT BUT WHAT ITS SHOWINGON MY XXXX  AND MY XXXX XXXX CREDIT REPORT A VERY IN COMPLETE MISSING ALOT ON XXXX XXXX IT ONLY SHOWS 7 MONTHS OF HISTORY ON XXXX  IT SHOWS 9 MONTHS ONLY. ON BOTH IT NEEDS TO BE UPDATE TO SHOW THE COMPLETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX XX/XX/XXXX I placed a credit freeze with Equifax in response to the XXXX Data Breach. Since that time I have been able to successfully lift the freeze temporarily in the periods of XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. All of these were managed through the Equifax website without need for registering for an account or providing any additional personal information. 

On XX/XX/XXXX I applied for a savings account and was which was denied because my identity could not be verified due to the credit freeze on file. Today, XX/XX/XXXX, I attempted to lift the freeze temporarily and found that I was unable to do so without creating an account online. Given that Equifax has a history of not protecting sensitive data I declined to open an account and instead called the customer support number ( XXXX ). A series of automated prompts indicated that I must provide a mobile phone number before proceeding with unfreezing my account. I declined to do so and was ultimately connected to a customer service representative who was unable to access my credit file. 

How do I unfreeze my account without giving additional sensitive information ( my phone number, e-mail address, etc. ) to a company that can not be trusted to keep this information secure? It is very disturbing that I'm effectively removed from the credit and banking system until the freeze is lifted and there doesn't seem to be away to do that without giving up more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I HAD A STUDENT LOAN THAT WAS CLOSED AND TRANSFER BUT THE MAIN ISSUE I AM HAVING IS I AM MISSING MY PAYMENT HISTORY ON THIS ACCOUNT. FOR THE MONTH THAT I HAVE MADE PAYMENT. WHAT THE REPORTING AGENCY ARE REPORTING IS NOT ACCURATE. I CALLED IN AND I EVEN TRIED TO REACH OUT TO XXXX XXXX WITH NO LUCK. THE LOAN TRADE LINE XXXX MY PAYMENT HISTORY ON THIS ACCOUNT BEGINS XX/XX/XXXX XXXXAND IT GOES TO XX/XX/2012 I SHOULD HAVE 24 MONTH OF GOOD PAYMENT HISTORY ON THIS ACCOUNT BUT WHAT ITS SHOWINGON MY XXXX  AND MY TRANS UNION   CREDIT REPORT A VERY IN COMPLETE MISSING ALOT ON TRAN SUNION IT ONLY SHOWS 7 MONTHS OF HISTORY ON XXXX  IT SHOWS 9 MONTHS ONLY. ON BOTH IT NEEDS TO BE UPDATE TO SHOW THE COMPLETE.

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 2020-02-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously reported in complaint XXXX that Experian would not provide me a complete copy of my annual credit report when requested. Today, I received a postal card with no sender identification of any kind asking me to provide personal identification information, copies of receipts, photo ID, and more by US mail. No credit reporting agency is named on the card, no contact telephone number, no send-to address provided, only XXXX XXXX XXXX  in XXXX Texas. Experian 's real address I discovered on the Internet is Experian 's National Consumer Assistance Center at XXXX. XXXX XXXX, XXXX, TX XXXX. 

I should not have to provide additional information to Experian in any event, Experian already recognized my name, account, password, address, and validity when they provided on-line access to my report which was mostly blank as explained in complaint XXXX. All the creditors were correct, but the relevant data missing. 

Experian is simply trying to make this request as difficult as possible.

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 2020-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I opened a new Virtual Wallet with Performance Select Checking account on XX/XX/2019 and met the requirement within the first 60 days. However, it's over 90 days after all conditions have been met, but I still haven't received the {$500.00} promotion bonus as advertised yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I defaulted on a credit card account with USAA Federal Savings Bank in connection with my divorce in XX/XX/XXXX. The account was charged off in XX/XX/XXXX, and I offered to settle with them in early XX/XX/XXXX but they rejected the offer. USAA-FSB continues to report this account as open and each month reports payments as more than 90 days late. This is a false report and is being done intentionally to inflict the worst possible adverse impact on my credit. I have contacted USAA FSB about this issue on no fewer than three occasions. They respond almost immediately ( apparently before even investigating ) and refuse each time to correct the entries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I paid off my balance within my grace period and still received an interest charge of {$66.00} on my XX/XX/XXXX statement. I called customer service and tried to explain, however, the agent was rude and raised voice without understanding my situation. She indicated if I did not pay {$290.00} by my closing date, I will continue to accumulate interest, despite my balance at close being {$210.00} and which I already paid to make my account a XXXX balance. 

I am requesting a refund of the {$66.00} charged as I paid the account off within my grace period and the calculation of interest on my account is inaccurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-02 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: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have mortgage with US Bank. It is a 15 year mortgage taken out in XXXX. There have been no late payments on the loan over the term. the complaint is due to an insurance error by the bank in mortgage escrow. My homeowners insurance that is escrowed increased significantly so I found a new more competitive insurance policy. 
US Bank made the payment to the old insurer in XX/XX/XXXX. I informed US bank of the change and the payment was returned to me by the insurance company. I made a payment back to escrow to reimburse since a new insurance payment was going to be made. 
US Bank admits the returned escrow payment was made but for an unknown reason, the payment was never recorded. This caused a shortfall in the escrow amount. I disputed the recalculated escrow amount due to US bank errors from XX/XX/XXXX to current. 
My mortgage payment is an auto pay from another bank and payments have been made each month but not to the erroneous amount that US Bank claims. As a result, US Bank has continued to not apply my payment and each month holds it in " suspense '' and charged late fees and I believe has reported as late to credit reporting bureau.. 
I have tried to work with US Bank on this and have escalated to their management to no success. 
I have continually told US Bank I will continue making my old payment amount of approx {$3600.00} each month until I receive a correct escrow statement. I finally received what I think is a correct escrow statement and made a catch up payment of approx {$250.00} in XXXX and changed my auto pay to the new escrow amount. 
It is now XX/XX/XXXX and my latest payment made on XX/XX/XXXX is still showing in suspense and is reported as late. 
I wish to complain formally about US Bank and it's practice of mischarging and misreporting to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a victim of Ideninity Theft. case # XXXX USAA provides me NO ADA ACCESS ON LINE or option of ACCESS. When I try to resolve Ideninity Theft by phone. I am sent to collections. When I ask for documentation of debt I am sent 1 ) MasterCard ending XXXX XX/XX/XXXX I do not recall ever having. Who ever did have data to this card CREDIT CARD DEBT STATUTE OF LIMITATIONS IN FLORIDA IS 4 YEARS This is a 6 year old credt card debt USAA ATTEMPTS TO COLLECT. 2 ) When I call to resolve I am sent to collections for a MasterCard XXXX DEBT DISCHARGED XX/XX/XXXX This debtor is no longer liable after XX/XX/XXXX AND THIS TOO IS PAST FLORDIA CREDITCARD COLLECTION STATUTE OF LIMITATIONS. When I call to resolve I am sent to collections on attatched 3 ) XX/XX/XXXX Collection Attempt on card ending XXXX I HAVE NEVER HAD There is never resolve with USAA and they break all laws.

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