vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Bank has completely mishandled this situation. USAA is so compartmentalized that they do not have any idea what one hand is doing while their customer support agents are saying something completely different.. I first called USAA in XX/XX/XXXX to dispute a charge from a merchant. USAA said thy could investigate a charge ( from XX/XX/XXXX and XX/XX/XXXX ) from a merchant, but could not guarantee a positive result. The charge is dispersed between 3 dates against the same merchant. The investigation spanned 5 months and ultimately resulted in USAA finding against me, while both XXXX and XXXX, while involved in the SAME TRANSACTION found in favor of me. I contacted USAA 3 times in writing and many many times by phone. I was always assured that USAA was " better '' than the rest, yet USAA ruled against me. The amounts were XXXX, XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. 
Although USAA has STILL reassured me that they are on my side, their actions have shown otherwise. USAA has written-off my checking account and closed the account - to the detriment of my credit - while all along saying that they would not do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been trying to dispute a charge on my credit report and it seems as if Bank of America dont want to help me. I was suppose to go on a cruise with my mom and we were not able to go because she got a new job. So I was not able to go on the cruise, I previously dispute the charge with the cruise line and they didnt want to help either. I also would like to negotiate my credit card debt with them and they are discriminating against me because I closed my credit cards with them. I closed the card because they never try to help me with anything I ask for. They keep telling me no they are not going to help 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 2019-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at BOA ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a BOA ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my Bank of America acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.

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 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The credit card was already charged off from XXXX  XXXX XXXX but Midland funding is trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion will not remove an education loan from my account that is being impropertly reported. I have filed several disputes on this, but they will not correct it. They are reporting that the loan was originated in XXXX, but the most recent student loan I took out was I believe in XXXX, and defaulted in XXXX. It would be 9 years in default, and past the allowed time to report it. I have disputed on all of these errors, but TransUnion seems to be taking the debtors word for it instead of demanding evidence of the loan 's accuracy. 

The current account information is : XXXX XXXX Current Balances of {$150.00} and {$90.00}

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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Will not stop sending me emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
XXXX Enhanced Recovery Company about {$3900.00} I was unaware of this account as I have never had a XXXX account and just found out about this collection as I am getting ready to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed Equifaxs reporting of my student loan balance and payment status on XX/XX/2019. On XX/XX/2019, I received a {$17000.00} XXXX XXXX XXXX XXXX payment bringing my student loan balance down from {$43000.00} to {$26000.00}. My loan was put into repayment status on that date too. 

It took Equifax 27 days to respond to my XX/XX/2019 dispute. In the meantime, my student loan servicer began reporting my loan balance and payment status correctly to all 3 credit reporting bureaus on XX/XX/2019. My Equifax credit score rose 16 points on that date. 

On XX/XX/2019, Equifax claimed that they verified the loan balance and payment status with my servicer ( XXXX XXXX ) however they obviously DID NOT as on XX/XX/2019, Equifax added the {$17000.00} back to my loan balance and put my repayment status back to in deferment. As a result of this error, my Equifax credit score has now dropped 16 points. The other 2 credit reporting agencies di NOT do this, only Equifax! 

In addition, I made a {$100.00} EARLY payment on the loan which was applied to my account on XX/XX/2019, by my loan servicer, four days before Equifax falsely reported the information on my credit report. 

Equifax did not verify the balance, payment status, or recent payment with my loan servicer ( XXXX XXXX ) as they claimed that they did. I have attached the most recent account information and payment history directly from my student loan servicer proving that Equifax is falsely reporting my student loan account information and is unlawfully harming my credit reputation, my creditworthiness, and my credit score. 

I am in the midst of applying for a car loan. I need a reliable car to get back and forth to work. I should not have to wait another 30 days for Equifax to correct their unlawful mistake so that I can qualify for a lower interest rate on a car loan. 

Had Equifax truthfully verified the data with my loan servicer, they would not have reported the old, outdated information. They should have verified that my student loan servicer had already fixed the incorrect data and it was being reported correctly on XX/XX/2019. Instead, they have unlawfully harmed my credit score! How many other consumers are suffering because of their false reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/2019 I tried to withdraw {$800.00} from the atm. The atm gave me an error message and didn't dispense any funds. I check my balance and the funds was deducted from my account even though I didn't receive it. I tried numerous times to contact cashapp by email to file a dispute but no one has answered my email. My cashapp card number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX  XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.

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 2019-09-30 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: MD

Complaint narrative:
On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: MD

Complaint narrative:
On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX  ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX  XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.

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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Correspondence sent to first collection company : Dear XXXX XXXX ; I am responding to your contact about collecting a debt. You contacted me by phone on XXXX and identified debt as XXXX. I cancelled my service in XXXX of last year, less than one month after starting new plan. All bills were automatically paid up to my termination. I do not have any responsibility for the debt youre trying to collect. I wrote to XXXX and called them. I have copy of email cancellation, and their over billing for first eight months of service. Although they agreed to fix account instead they added more fees. They have billed me in error. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or  have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Received nothing from them but continual fraudulent credit agency reporting which I continue to dispute -years later.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX Hard inquiries that i dont know about XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX /XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX Hard inquiries that i dont know about XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX /XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/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 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hard inquiries trans union XXXX XXXX XX/XX/XXXX XXXX/XXXX/XXXX  XX/XX/18 XXXX XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18

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 2019-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CO

Complaint narrative:
At the Time I was a student my XXXX was XXXX XX/XX/2013 I was a single mom and had to plan a funeral and was no way able to focus on studies while having to deal with raising broken XXXX that felt Like my XXXX was a father figure I also went into a deep XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
my name is XXXX XXXX from XXXX NY. On XX/XX/XXXX while I was in upstate NY, someone withdrawl {$900.00} from my CITIbank account. I called CITIbank the next day after my card stopped working and told them someone has got access to my bank account and withdraw the money. I never lost the card or gave out my PIN number to anyone. CITIbank issued me a new card that time and ask me to change the PIN. They said they will investigate. They credited my account but then they reverse it claiming that this was consistent with my normal banking activity. I called CITIbank to complain again and it has been almost a month and the bank never credited me back my money although I was within the two days reporting period. I will be happy to provide the bill from XXXX XXXX in XXXX which shows that I had checked in on XX/XX/XXXX at XXXX XXXX and left on XX/XX/XXXX approx at XXXX XXXX. I can attach a copy of the receipt upon request. I also urge the bank to take a look at the CCTV camera because this happened in their branch Citibank ATM XXXX XXXX XXXX, XXXX, NY and Citibank ATM XXXX XXXX XXXX, XXXX, NY. By doing so they will protect another customer from falling into the wrong hand. 

We first made claim with citibank on XX/XX/XXXX with number XXXX and on XX/XX/XXXX with number XXXX. 


Thank you and hope your help on this matter.

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 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: WA

Complaint narrative:
Keybank XX/XX/XXXX {$280.00} they closee my account even though its not my fault this so calles friend jacked my wallet and without a XXXX and XXXX with a XXXX dollar sur charge and i havent recieved refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30 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: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
A mortgage company claims a balance on a second mortgage is now {$520000.00} with a payment of over {$2000.00} when in reality the loan is paid off by the sale of my house in XX/XX/XXXX. I was denied credit the same day with 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 2019-09-30 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: TN

Complaint narrative:
. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( XXXX, Experian, XXXX ) deleted the account and then placed it back on ). ( XXXX, Experian, XXXX ) has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

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 2019-09-30 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: TN

Complaint narrative:
. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( XXXX, XXXX, Transunion ) deleted the account and then placed it back on ). ( XXXX, XXXX, Transunion ) has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

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