vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I am a military Veteran and have been a member of USAA for 55 years, as have been my family, including my former wife, who had a credit card with me. 

In 2019 we divorced and USAA has their policy to separate divorcing couples and forced me to close my credit card, which was below its limit, and refused to open one just in my name. So I opened a credit card to pay off that debt at zero limits, which only lasted for a year as I had been hacked, they caught the thief but I couldn't get a freeze off on my credit, and USAA limited my membership based on something other than my creditworthiness when I tried to transfer the small remaining dept back to USAA saying the reason was " previously submitted credit card application pending fulfillment ''.

I had transferred from USAA to another bank, where I also paid on time, and my FICA score is XXXX XXXX, XXXX  XXXX, and XXXX XXXX but XXXX still has a freeze on my credit that seems very outdated and I have been unable to unfreeze it, but recently I bought a {$24000.00} car, which required calling XXXX to release the freeze which evidently was temporary. I haven't been able to get any credit at all because of this freeze that USAA knows about yet did nothing to assist me. 
I am a divorced XXXX-year-old male, in good health, financially solvent which USAA knows as they have been my main bank for 55 years and have all my financial data. and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my account without warning and will not send my funds for 30-60 days. I can't wait that long for my funds to be sent.

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 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
I have been trying to access the funds in my Citibank account to make a wire transfer since XX/XX/2021. I have made 10+ phone calls with the bank and troubleshooted the issue multiple times. There are no blocks on my account, and my balance is over {$200000.00} but they have given me several excuses for why they can't process the transfer, including : a ) it's a technical glitch on their end which takes 3 days to resolve ( it was never resolved ) b ) they need to send me a new bank card ( which they did, and it failed to resolve the issue ) c ) I need to file a grievance with them ( which I have, and the issue is still unresolved ) At present, I still have no access to my funds, and I have spent close to 20 hours on the phone with them. In the last week, every single time I have called, they have pretended to transfer me to somebody and dropped the call. This has happened for the last 10 times in a row. The issue is still unresolved. I'm beginning to think I am being defrauded.

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: CA

Complaint narrative:
I have a {$300.00} credit card from total Visa, This is my 3rd complaint about late charges, On XX/XX/2021, I was charged a late fee of, XXXX dollars. I only had a balance of XXXX. Now it's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received my annual credit report ( via mail ) from Experian ( report # XXXX ). The report contained an account from XXXX XXXX which was reported on my credit report in XX/XX/XXXX, for the first time ( since XXXX ). I noticed that inaccurate and/or incomplete information had been reported. On XX/XX/XXXX, I disputed the inaccurate/incomplete information on this report. The information I disputed was ; ( 1 ) Inaccurate charge off date, causing the account to appear as being re-aged. The account was charged off, closed and sent to a collection agency in XXXX. The account was paid in XX/XX/XXXX and there can not be a charge off date after an account has been paid, ( 2 ) Inaccurate high balance amount ( discrepancy in amount reported, on billing statement and amount paid to settle account and ( 3 ) There was hardly any history reported on this account that was opened in XXXX. The results from Experian 's investigation ( report # XXXX ) were sent on XX/XX/XXXX ( online ). Experian states that the information in the account was updated but the only change I saw was, " Type '' of account. It was previously reported as a " charge card ''. Now it is being reported as " unsecured. '' The reason for this complaint is that the inaccuracies still exist even after their investigation. I have attached documentation that support my claim that the inaccurate/incomplete information I disputed is truthful and in fact still being reported on my credit report. The inaccurate/incomplete information that is still being reported is ; ( 1 ) The account was a charge card account so it should not have been changed to " unsecured, '' ( 2 ) In " Account History, '' there still is an inaccurate charge off date ( XX/XX/XXXX ). The account was paid off before this date ( see payment to XXXX XXXX ). Also, account was closed, charged off and sent to a collection agency in XXXX ( see collection agency ), ( 3 ) The report still contains an inaccurate high balance amount of " {$220.00}. '' This conflicts with the amount shown on billing statement of {$300.00} ( see billing statement ) and the amount of {$380.00} that was said I owed on collection agency letter ( see collection agency ). ( 4 ) The account was not reported on credit report ( since XXXX ) until after I paid it in XX/XX/XXXX. This account was first reported in XX/XX/XXXX with hardly any information in regards to its history and containing the inaccuracies as mentioned.

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 2021-04-30 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2020 a credit card from citibank Citi Cards was taken out with a limit of {$9100.00} and around {$8700.00} has been spent and has been a late payment. This is complete fraud I have nothing to do with this account Ive never used or opened up this credit card in my name. I put a Fraud alert on the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I called them and tried to settle the debt, they did not allow me to stating they must have the last four digits of my social security number. I asked for other verification methods, they asked for my full name, address and reference number which I provided them. They then said thank you and asked for my social again, I stated I was not comfortable giving that information and they said Im not able to talk to you then. This is misrepresentation, they gathered information about me under the pretense that I was going to be able to settle my debt, then did not allow me to do so. I told him I do not want any information from him other than, If I pay you {$350.00} will that settle the debt? He said he will not talk to me about any single detail without my social security number, continued to talk over me and then stopped talking, the call continued for five minutes in silence and then he hung up the phone :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
I had a mortgage that was serviced by AmeriHome mortgage. The mortgage was paid off with AmeriHome after I refinanced on XX/XX/2021. By the time of the pay off, there were {$5000.00} remaining in the escrow account, managed by AmeriHome and I'm expecting to get that balance amount refunded to me via mail. I initially received a check for it in XX/XX/2021 but that check was voided when I deposit. So I reached out to AmeriHome asking for reason and for a valid check to be sent to me again. Same thing happened to the second check they mailed to me in XXXX. So I reached out to AmeriHome again and ask them to make sure check won't be voided when they send me for the third time. I have not received a check yet since I communicated with them the last time ( over 2 weeks ago ). There is {$12.00} penalty from my bank every time a check is voided, so up till now I've got {$24.00} penalty for this issue. I really need to make sure this money get refunded to me because our family needs it during this hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Bass & Associates, P.C., Attorneys at Law
State: MI

Complaint narrative:
Bass & Associates, P.C. ( Bass ), sent me a a settlement letter dated XX/XX/XXXX for my defaulted student loan account with the U.S. Department of Education, Federal Student Aid. On page 1, Bass stated, " This notice confirms our offer to accept {$4400.00} as full settlement and satisfaction of your obligation on this debt. '' Page 2 at the end of this Bass letter ( XX/XX/XXXX ) states, " Loans included in this agreement : Nos. XXXX, XXXX, XXXX, XXXX & XXXX. This comprises the five loans, not the two they portend was agreed. Again, it's on their letter, and thus, the understanding was the five loans as full settlement for the total of {$4400.00}. In addition to this letter, phone conversations took place between Bass & my grandmother, XXXX XXXX, affirming the agreement. A cashier 's check in the amount of {$4400.00} was received by USDOE prior to XX/XX/XXXX deadline. 

The five above-referenced FDSLs : XX/XX/XXXX-two with XXXX XXXX   XXXX ; XXXX-three with XXXX  XXXX XXXX and XXXX XXXX. 

Now, Bass is saying they meant to only include 2 of the five loans but the settlement agreement is stated in the XXXX XXXX, XXXX letter for 5 loans, and my grandparents and I adhered to the agreement. XXXX should be responsible for their actions in their arrangement with USDOE. Our agreement should be enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have send a Certified Cease and Desist Affidavit of Truth and have yet to receive a response with an Affidavit. When one receives a compliant with an Affidavit, one must respond with an Affidavit, and the opportunity to cure my remedy request.

This Affidavit was send via certified mail on XX/XX/2021 # XXXX. 

The Account in reference is Santander Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: PA

Complaint narrative:
Portfolio Recovery calls me repetitively every single day, I've asked them to cease and desist all contact to that phone number, 4 times week alone, approximately 20 times total. They continue to call every day, all hours of the day and evening from.different phone numbers and area codes. I have call logs showing the frequency of the calls. I've gone as far as making the person on the phone look up the definition of the words Cease and Desist on more than one occasion and they continue to call repetitively. I've threaten legal recourse and they still continue to harrass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 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: MI

Complaint narrative:
Transukion dropped down my credit score 53  pts XXXX XXXX reason Remark added to account, XXXX  XXXX XXXX 19  pts, XX/XX/XXXX reason XXXX, balanc increased by {$89.00} I called both of them and thry conferm me ; tbey did not reported anything negativ 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 2021-04-30 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: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
I have a vehicle loan with XXXX XXXX XXXX for a vehicle I purchased CPO in XXXX. I had setup an auto-pay account through their service and had no problems until XX/XX/XXXX. My husband and I moved to XXXX  in XX/XX/XXXX but, realized my checking card had been stolen so we had to disable access to the account. I recognized immediately and changed the checking account online for XXXX to draw from but, for whatever reason - the payments were note being pulled on their end. Apparently they tried contacting me but, my phone service may have blocked their calls as SPAM so I never had a chance to interact with them until I realized the following month that payments had not been withdrawn. They recognized the issue/error on their end that the payments were not being withdrawn and they fixed it immediately. I paid off the missed payments as well as the current month in full right away however, this ended up resulting in a delayed payment notice. I submitted an appeal to the CRA but they did not appear to address my concern or issue with this and these two delayed payments are severely impacting my score. I am a XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX and have not had a lot of time to deal with this until now and I'm looking for some help to correct this and request forgiveness for the delayed payments that I paid in FULL as soon as possible. I am looking to purchase a house and this is negatively impacting my ability to do so in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: IL

Complaint narrative:
I recently reviewed my credit report using one of several free services. It was at this time that I observed that a collections account had been opened back on XX/XX/2020 on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 

I was puzzled by this. 

I am aware that prior to XX/XX/XXXX of 2020 that my XXXX XXXX XXXX  XXXX account had been in collections, and I was given two different options at that time. I could pay an extremely large amount of money which reflected all of the past due service charges, any late fees from those billing statements not paid, plus the entire cost of the rented dispensers on account, plus charging for every single bottle in my possession.

Suffice it to say that was an astronomical amount of money. I was also given an offer to pay a much smaller amount of money to resume services. I selected the option to resume service, I provided my payment information over the phone, I then asked how I would go about restoring service, because DS Waters when I previously called them stating that I just wanted to pay them to get the account back current said I could not deal with them once it went to collections ... 

I was advised that someone from either the collections company or XXXX  XXXX XXXX XXXX would contact me to resume service. 

It's possible that phone calls/voicemails were missed. Not likely because I was actively expecting those calls. I was never contacted in writing by either party to resume service. 

I was never contacted by either party to indicate that billing and service had automatically resumed under the previous service conditions. 

I was never contacted to in writing to communicate that I needed to call someone to restore service. 

I was never contacted in writing to communicate that this account was sent to collections. 

I fail to see how I can be sent to collections, for something that I was never even billed for. 

I performed my responsibility which was to pay the amount communicated by the previous collection attempt. When I asked that representative about next steps, she never indicated that it was my responsibility to contact anyone, for any reason ... 

When skimming through complaint information about this collections company on your website, I observed that at least one other person had issues with a water delivery company. I must wonder where the problem truly lies, on the end of the water company, or the end of the collections company. In this situation however, I feel that both companies have committed multiple errors along the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Commercial Services, Inc
State: WA

Complaint narrative:
We paid National Commercial Services, Ink. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. Phone XXXX XXXX Fax XXXX XXXX their settlement amount and now they wont send us a receipt to show the XXXX in Washington state to restore our licenses back that are suspended till we show receipt of settlement agreement from NCS ink. They said our licenses would be restored after settlement payment was made. Now they refuse to give us any form of settlement agreement receipt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I ORDERED A PURSE ONXX/XX/XXXX FROM XXXX  FOR {$170.00}, THEY SUPPOSEDLY SAID IT ARRIVED ONXX/XX/XXXX AND THAT I SIGNED FOR IT, FOR ONE THING I WAS NOT HOME WHEN IT ARRIVED NOR COULD I HAVE SIGNED FOR IT, THEY WILL NOT SHOW ME PROOF, I CONTACTED CAPITAL ONE AND THEY SENT ME A FORM TO FILL OUT I DID IT ASAP AND NOT ONLY FAXED IT BUT MAILED IT, THEY THEN ASKED FOR IT AGAIN AND I SHOWED PROOF THEY RECEIVED THE FIST FAX ALREADY BUT I SENT IT IN AGAIN FAX AND MAIL, THEY THEN PRETTY QUICKLY DENIED MY DISPUTE BY SAYING I DID NOT FILL OUT THE FORM PROPERLY I CALLED AND ASKED THEM WHAT WAS WRONG AND THEY WOULD NOT TELL ME, I HAVE ALL MY COPIES AND I DID GIVE THEM ALL THE DETAILS I HAD, I WANT MY {$170.00} BACK, THIS HAS BEEN GOING ON SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Wrong credit reporting ... many different amounts on balance. I did not get a deffer payment at beggining of pandemic. For XX/XX/XXXX thru XXXX XXXX Says I was behind and they have been taking out payment every 2 weeks. Payment for XXXX says current and then goes back to not current for XXXX XXXX XX/XX/XXXX ... so irretated.. XXXX XXXX a very bad place.

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