vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
See attached. Would like an explanation what is the amount of unpaid, as well as what types of fraud USAA has reported to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
See attached. Would like an explanation what is the amount of unpaid, as well as what types of fraud XXXX has reported to EWS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reached out to lien holder to inform them that my vehicle had been deemed a total loss and informed them that I was filing claims through my insurance company and GAP Coverage to remit payment to them. I was told that was fine and to keep them up to date on the process and I did and my account is being marked delinquent even though payments have been made 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 explanation
Consumer complaint received 2019-12-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is on violation of the FCRA. 
I have requested a method of Verification from Experian and Experian have yet to deliver the information that I requested which I am entitled to receive by law. ( FCRA ). Experian is still showing inaccuracies and misleading information on my credit report. I am requesting Experian correct the information and provide the information I sent to them in a letter : Request for method of Verification pertaining to XXXX XXXX XXXX XXXX inaccurate and misleading information. I will file an intent to suit if the matter is not resolved. Experian is in violation of the FCRA. Experian must provide proof to CFPB that my letter for request for method of Verification actually was investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/ 2019 I attempted to close all of my accounts with Wells Fargo which included a credit card with an ending balance of {$2000.00}. I was closing these due to the horrible customer service and lack of customer care. Having moved all my accounts, I was getting contacted by WF and I assumed that it was in efforts to win back my business. Instead, I find out in the process of buying a house that WF accepted two more months of ACH revolving charges and was charging me late fees and interest which they reported to the credit bureaus. This brought my middle score from XXXX to XXXX. The total amount for actual charges was approximately {$120.00}. In XXXX  I called the branch multiple times to inform them of their mistake of taking ACH payments on a closed card. The branch tried to reduce the 'fees ' but said they could not do anything about the interest. I said that I should not have any fees on a closed account. At this point, nothing was said to me by the branch about my credit card status. After many hours on the phone, I finally was offered to call the 'executive ' branch of Wells Fargo to file a complaint. This process takes 10 days they say. A girl named XXXX at ext XXXX managed the case # XXXX. After many days, XXXX said that I never close my credit card account! She also said that was why thay took the extra payments. I told her that was not the case and that I close all accounts on the same day. She said that was not what their records indicated. Wells Fargo offered to reduce the late fees but not the interest and thats where we stand as of today. M|With all the negative press that WF has had recently, I wondered how many other people this was being done to. If you go into a branch to close an account and they do not really close it, that's a new source of revenue in late fees and interest.???

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 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/13 advised them of my identity thief yet the account remains the same after many attempts to contacts and inform them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens has terrible customer service, so I called and complained and then sent in a CFPB complaint. A woman named XXXX XXXX who works in the office of the chairman went on a power trip and closed my account. The fact that this is how citizen 's responds to valid complaints about their terrible customer service is not acceptable. This woman is a power tripping bully and Citizens enables her. Is this really how citizens views its customers? As sheep to bully?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
This complaint is regarding American Express Membership Rewards program. 

On Tuesday XXXX XXXX, 2019, I tried to transfer some points to an airlines company, hoping to redeem points for a flight. At the last step, Amex website told me my points are not available because my account is being reviewed. 

I have had my card for several years. Amex did not notify me of the unavailability of my points at any time. The fact that I only know my points is useless when I need them is a clear violation of their terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been repeatedly called by Transworld systems Inc. at XXXX and XXXX days in a row. I have XXXX debt for them to collect on. All of my debt is paid and up-to-date. So theres no reason they should be calling me and there is no reason they should be calling me so early in the morning either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, I've repeatedly contacted XXXX, now Waypoint Resource Group Collections to cancel my monthly internet subscription with them so that I may move out by the end of XX/XX/XXXX to a new residence. In the screenshots below you will find proof of when XXXX accepted my returned device on XX/XX/XXXX and after months of calling XXXX to get the issue of no payment that is owed to them by me, on XX/XX/XXXX, I was credited back on the account what I did not owe due to paying this account off before the device was returned on XX/XX/XXXX. I've received a Collections of the amount of {$160.00} on XX/XX/XXXX that should not have been on my reports : XXXX nor XXXX at all since the account has since been settled and closed and promised by XXXX   employers over the phone and in the XXXX  store shown in the device receipt of return on both dates : XX/XX/XXXX and XX/XX/XXXX. I've submitted a dispute twice to Waypoint Resource GroupXXXX since XXXX of 2019 and the first dispute to no avail, nothing was done. The second dispute in XXXX of 2019, the balance was decreased when it is supposed to be completely removed. There was no follow up from this company to prove that any amount was supposed to be on my report, given that I have proof in the screenshots below that this matter was supposed to be already dealt with. This account needs to be taken off both my reports immediately as stated in both my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Company has not provided documents stating account was open XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal informed me my account was permanently banned for violating terms of service, but refused to tell me what i did wrong. All i use PayPal for is paying friends/family for nights out for dinner. My fianc would send me some money monthly to for our wedding. PayPal tells me i have to file a subpoena to find out why they banned me - which costs money for me to do! This is ridiculous - Im not a high volume customer ... its {$50.00} here and there, and my fianc would send me a couple XXXX. Im not a seller - i dont use it for business - its for personal use. 

Because they banned me, i cant even unlink my checking account or credit card from their system - which means PayPal has my banking info and credit card info ... I am not allowed to use their services, yet my personal banking info is at risk in their system in case theres data stolen. I cant get my info out of their system. 

All I want to know is why they banned me - it was obviously some kind of mistake ... I want to be able to use their services, since its used all over the place. And if PayPal will refuse, then let me remove my banking info and credit card info and putting my info at risk when i cant use their product.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received an email purportedly from Experian about multiple attempts to access my account. I do not respond to emails that ask me for passwords, so I tried to contact the company directly. It turns out that there is no way to get a person on the line and none of the automated categories addressed the problem. The company collected my social security number multiple times but never was I able to find out more about the issue. Colossal arrogance on the part of this 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
Consumer complaint received 2019-12-03 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: AZ

Complaint narrative:
Called XXXX to get my report on XXXX which apparently is grossly in error. This agency had my current address wrong, my last name and first name inverted and my previous address was also incorrect.
1-Will all this be reported to XXXX so they can coverup their errors prior to sending me their report
2-If the agency responsible for getting me copies of my Credit Report is so completely in error, how can I rely on a 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 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
I received a debit card and pin number for an account from SunTrust bank that I never requested. I called to report it and they told me I had to visit a local branch to file the complaint. The closest branch is more than 1000 miles away. After much insistence they told me they would report it and I would get a letter in 30 days. To my knowledge no bank should be allowed to open an account without the verification of some sort that the person opening the account actually wanted the account. This is a complete failure of this banking institutions to perform it's due diligence which impacts me the consumer and not the banking institution. This must be stopped. In the mean time they can not tell me anything about how this account got opened, if there was any activity on it. If it has been reported to the credit bureaus or anything because they are not permitted to share with me any of the information they have about me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
GM Financial and XXXX XXXX conducted hard inquiries on XX/XX/XXXX, 2019. XXXX XXXX made two hard inquiries : One on XX/XX/ 2019 and one on XXXX XXXX2019. I was told they did two inquiries because the company had misspelled my name, which was not my fault. It is my understanding that if hard inquiries are made within 30 days of each other, they are supposed to count as only one inquiry. That did not happen with either GM Financial, XXXX XXXX, or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened my account with TD I HAVE A CHECKING AND SAVINGS ACCOUNT. 
THE BEGINNING OF MY PROBLEMS CAME WHEN I HAD FRAUD. I REPORTED THIS FRAUD AND WAS TOLD I WAS MOVING FUNDS BACK AND FORTH BETWEEN ACCOUNTS. IN ADDITION, FRAUD DECLARED WHEN I STATED THAT I DIDN'T EVER MAKE ANY TRANSACTIONS WITH XXXX. ALSO, THE AMOUNT OF FUNDS TRANSFERRED WERE EXCESSIVE. AT THE BANK, I ADVISED THEM THAT FUNDS WERE GONE OUT OF ACCOUNT. LAUGHING AT ME, SHE STATED, I WAS MOVING MONEY. I WAS NOT AND I ALSO STATED, THERE IS A POINT OF FUNDS EXITING AS OPPOSED TO MOVING BACK AN FORTH. 
' JUST YESTERDAY, I HAD SOME ELSE USE MY VOICE AS THEY CLAIM THEY HAVE VOICE PRINT TO IDENTIFY ME AND SOMEONE WAS ABLE TO MAKE A TRANSACTION. ON THE DAY OF THE XXXX, TRANSACTIONS NOW HAVE LEFT ME WITH OVER 3000 GONE. IT'S MY SSI MONEY AND THEY ARE NOT WORKING WTH ME NOR IS FRAUD. 


I SPOKE WITH XXXX, WHO IS IN 120 % AGREEMENT THAT SOMEONE INTERNALLY IS STEALING AND THAT THE BANK WAS NOT FOLLOWING THE FEDERAL GUIDELINES. THEY WOULD LIKE TO CREDIT MY ACCOUNT, DUE TO THE BANK REFUSING TO INVESTIGATE FRAUD. NOW, TODAY, THERE ARE NO RECORDS OF ANY TRANSACTIONS, ACCOUNTS, ETC. OPENED BACK IN XX/XX/XXXX-XX/XX/XXXX. THEY ARE SHOW ONLY 4 ACCOUNTS. 

JUST THIS WEEK, TRANSFERS, LINKING SAVINGS ACCT WITH CHECKING WERE DONE, 2 TIMES I HAVE HAD TO TELL THEM THEY WERE NEVER TOLD TO THAT THEY WEREN'T INSTRUCTED BY ME TO ALLOW MY ACCOUNT TO USE THE " GIFT OF GOING OVER MY ACTUAL BALANCE. SO, I WAS CHARGED WITH XXXX. THE BANK HAS REFUSED TO LISTEN, INVESTIGATE ANY FRAUD, STATING I WAS USING XXXX WHEN I HAVE NEVER HAD ANYONE WALK THROUGH MY DOOR. I DON'T AND WOULDN'T TRUST THEM. 

MY BANK, CLEARLY IS STEALING FROM ME AND IT'S NOT BEING ADDRESSED AT ANY LEVEL. 

ISSUED A XXXX CHECK WHICH ISN'T MY NAME, ACCOUNT AND FRAUD BUT THEY HAVE DENIED THIS AS FRAUD. 
2. WHEN I TOLD THEM THAT XXXX WAS FRAUD, I REC 'D A LETTER STATING THAT THE LAW UNDER FED E WAS MY PROBLEM. 

I HAVE OVER 15-20 ACCOUNT NUMBERS, NO STATEMENTS NOR ANY ABILITY TO GET THE 100 ATM CARDS WHICH ARE ISSUED. I HAD THE BANK ACTUALLY HAND ME A ATM CARD THAT I ENTERED A CODE/PIN AND THEY HANDED THE CARD WHICH DIDN'T BELONG TO ME AS WELL. 

I CAN'T BEGIN TO FIGURE OUT WHAT TO DO, AS THE POLICE REPORT THEY ARE ASKING OF ME IS NOT WHO SHOULD BE GETTING IT. 

THEY HAVE USED AND DENIED OVER 10-15K IN UNAUTHORIZED CHARGES, WHILE ANY OTHER FRAUD WITH MY CC OR CHECKING ACCOUNTS DON'T TDO THIS. 
THE BANK IS ASKING ME TO GIVE THEM ALL OF MY ACCOUNT NUMBERS THAT I HAVE BECAUSEE THERE IS NO TRACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hello, I am writing hoping I can get help getting this creditor off of my back. Portfolio Recovery Associates has purchased 2 of my debts. XXXX XXXX XXXX. These are items I defaulted on over 4 years ago when I was going through some hardships with both of my in-laws had XXXX XXXX. I did default on the debts at the time. I own up to it. Yet the issue is I live in Texas. There is the TEXAS House Bill 996 that took effect XXXX XX/XX/ 2019 and in Section 2 ( c ) it states - A debt buyer, or a debt collector may not, directly or indirectly, commence an action against or initiate arbitration with a consumer to collect a consumer debt later than the earlier of : ( 1 )  the fourth anniversary of the date of the consumers last activity on the consumer debt. Another statue is TEXAS CIVIL PRACTICE AND REMEDIES CODE [ Sec. 16.004 ] FOUR-YEAR LIMITATIONS PERIOD which states : a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : 3.Debt The issue is I have contacted Portfolio Recovery Associates 3 times. First I was trying to obtain documents that showed when the last payment were made. They did not send it. Instead they sent paperwork showing the date they purchased the debts. I tried to obtain it from the original creditors but they said PRA owned it and I would have to get it from them. So, I obtain my old credit reports that show the last date I paid on the debt was over 4 years ago. I told PRA and they said it was not evidence proving they are in violation of the 4 year limitation under Texas law. 

These 2 marks on my credit is holding me back and could put my current job in jeopardy. I need to get these remove to improve my credit and ensure I do not lose my job over my score. I have no problem sending my credit info to show and prove I am in the right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
4 years ago I moved from XXXX  to XXXX  . I told XXXX XXXX  to disconnect my power. they did not and continued to bill me. I called them and they said they would take care of it. They did not as 2 years ago I was contacted by a collection agency and I told them it was a billing error. They then reported it to the three credit reporting agencies. I disputed it and it was removed as not being valid. 
XX/XX/2019 I get a call about the same XXXX XXXX  debt. ( {$420.00} ) from a representative of Online Information Service. She said I owed {$420.00}. I explained to her it was not a valid debt and was a billing error. conversation got heated and I hung up. Next thing I know on XXXX XXXX I get alerted that a " collections '' was reported to XXXX, XXXX  and XXXX. Online Information reported as a NEW collection.I am in the process of buying a home to close on XX/XX/XXXX. My credit scores were XXXX, XXXX and XXXX. They had plummeted!. I panicked, called and paid the {$420.00}. They said they could not remove what they reported. Later after I regained some sanity I found out it is illegal to report OLD debt/collections as new. It shows on my credit reports as NEW. I feel their actions exploited me as I am a XXXX year old XXXX XXXX Veteran, which is also against the law in N. Carolina where they are located. 
Since reporting old debt/collections as new is illegal they need to immediately remove everything they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Just today, I asked, yet again to only be communicated with in writing and the lady told me she would call again later rather than honor my request to follow up in writing. So many phone calls and I keep asking for only written communication.

Company response to consumer: Closed with non-monetary relief