vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA makes statement : Temporary credits were applied on time no delay NOT TRUE. See statement of XX/XX/XXXX. XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Credit from merchants are the ONLY CREDITS shown on statement of XX/XX/XXXX. There are No Temporary Credits or Permanet Credits from USAA XX/XX/XXXX. KINDLY NOTE USAA CLAIMSl the TEMPORARY CREDITS Not MADE Permanet are Permanet. USAA LIES TEMPORARY CREDITS NEVER GIVEN for XX/XX/XXXX Fraud claim date. See letter of XX/XX/XXXX. It took 2 years to discover USAA MUST MAKE TEMPORARY CREDITS PERMANET as letter XX/XX/XXXX explains. No wonder all my fraud credits kept disappearing like {$2600.00} other credits vanished XX/XX/XXXX Temporary Credits do not apply UNTIL MADE PERMANET. WOW Now USAA uses the temporary credits ( not made permanet ) converting all temporary credits into PERMANET CHARGES OF NEW PURCHASES CREDIT REVERSALS claiming 2 credits as merchant paid. How can USAA reverse credit NOT GIVEN because not made permanet to apply to balance. THERE ARE NO PERMANET USAA CREDITS FOR FRAUD REPORTED AND there are No temporary credits posted timely XX/XX/XXXX for the claim date of XX/XX/XXXX. USAA sorry, but that is a lie and there are XXXX many more credits never made permanet. Also I spoke to XXXX, XXXX, XXXX, XXXX, XXXX at gr8 length. I explained. I have XXXX  with ADA tools of talk back screen reader and scanner. USAA tech will have to fix why USAA web and USAA mobile app do not hook up. I am able to access CFPB and FTC & Ideninity Theft.gov. I do not know a lot about tech but am ready to perform any hand movements that ARE NOT HAZZARDOUS TO MY XXXX, HOWEVER ; I DO NOT WANT TO CONTINUE A RELATIONSHIP WITH USAA DO NOT SEND ME ANOTHER NEW CARD USAA has a responsibllity to provide access and options for 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 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX   for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from ChexSystems and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX treatments and have had XXXX   XXXX  and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5. XXXX XXXX XXXX - XXXX 6. XXXX   XXXX XXXX - XXXX 7. XXXX  XXXX XXXX - XXXX 8. XXXX  XXXX XXXX XXXX 9.  XXXX XXXX XXXX - Unknown 10. XXXX XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX  XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13.  XXXX , XXXX . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  -XXXX XXXX   XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 2020-02-12 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: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
The account is still showing In collections with the Credit Bureaus and both are telling me that the account has to stay for years from the date it was paid off I thought when the account is payed off everything is bought up current or Payed as agreed and none of this is reporting only my XXXX is updated to current Closed, and I would like for XXXX, and XXXX to report the same. It's hindering me from getting credit for other company 's and keeping my score down. Please if you can help me resolve this thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: GA

Complaint narrative:
XXXX  XXXX said they would remove inquiries they still are reporting inquires to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I opened an account with XXXX XXXX XXXX/ XXXX XXXX  on XX/XX/XXXX. I was paying on time every month. I entered into a debt consolidation program with XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. During this period of time XXXX stated they had contacted all the creditors I included in the debt consolidation program and everyone had agreed to terms. XXXX began making monthly payments to XXXX XXXX XXXX. I have statements from XXXX showing the payments being made. On XX/XX/XXXX XXXX  reported to my credit that there was a 30 day late payment. I reached out to XXXX at XXXX to figure out how I was late when XXXX   made the payments. XXXX stated the payment was insufficient but this payment was already pre agreed upon by both companies. At this time XXXX  told me it was my problem that I was not checking my monthly statement, but XXXX  never tried to contact me about this via email or phone call to inform me the payment was not enough. I told XXXX that my online access didnt work, and they stated once you switched to a debt consolidation program it takes your access away! So how would be able to check my Statements? They had no response. At this time XXXX told me the correct payment had to be made 3 months in a row to get the account back in good standing, but credit would show I was 90 days late on payment until then. I reached out to XXXX about this and they stated they made the correct payments agreed upon between the two companies so theyre not sure why they reported it late. XXXX never gave them a reason why the payments were not sufficient to XXXX so now I am stuck with a 90 day delinquency on my credit severely effecting my credit when essentially I was never late. XXXX  never gave me access to check my online account and verify statements and never attempted to reach out to me to tell my my payments were not sufficient. I had no other issues during my debt consolidation program with other companies and them receiving payment. All payment pricing and arrangements are made between XXXX and all other companies that work together in the debt consolidation programs. I dont know any of that information about monthly payments. XXXX tells me what both companies have agreed upon when it comes to the client and then XXXX drafts the money out of my account automatically every month to pay the creditors.

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 2020-02-12 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: CA

Complaint narrative:
A Loan was taken out in my name. I didn't get the money nor was it deposited into my account. I never applied for loan someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX bill collection agency Covergent Outsourcing were paid by me with a settlement payment XX/XX/2019. Im requesting for them to remove the collection delinquency off my credit report on all three credit bureau XXXX, XXXX  and 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 2020-02-12 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: U.S. BANCORP
State: OR

Complaint narrative:
Last summer my wife and I purchased airline tickets through XXXX. Our two ticket invoice totaled {$810.00}, and we were provided an itinerary number for the flight. When our mastercard statement appeared the next month, there were two charges and three refunds from XXXX listed on our account. The two charges were for {$3200.00} & {$800.00}. Then there were three refunds for {$410.00}, {$330.00}, and {$330.00}. Two itinerary numbers were listed for these five transactions, and neither were our itinerary numbers listed on our purchase. 

I reached out to XXXX, and they stated the two itinerary numbers listed on the card purchase were not in their system, and suggested I reach out to Mastercard to get this taken care of. 

After reaching out to Mastercard, they initially went through the Dispute process. A month or so later, I received a letter saying my claim did not fit the dispute process. When I called back to Cardmember Services, the claim rep stated I should go through the Fraud process. A fraud claim was initialized at that time. Charges were removed, and after a month or so, put back on my card claiming the fraud charge was not accepted. 

I now have 10-15 emails from XXXX stating the itinerary numbers are not something on their system, so they can not issue a refund. Cardmember Services has closed my fraud case stating that they are unable to process the fraud charge, even though XXXX says they have no record of those charges. 

In the meantime, I now have been overcharged {$2100.00}! Neither company is willing to help through the process and has turned into a constant, " don't look at us, you need to go to them ''. I have no issue paying for the {$810.00} flight that my family took last summer, but being overcharged {$2100.00} is just plain robbery. I have been bounced between a dozen customer service reps between XXXX and Cardmember Services, and have more or less been cast to the side.

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 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Called into this company multiple times to discuss an invalid collection. All three times i was hung up on by the representatives after simply supplying them with the account info. They claimed they could access my account and hung up in my face 3 times in a row. 100 % unacceptable for a company that has the ability to ruin credit. 

They have sent over debt verification that is invalid. The amounts owed make completely no sense and the signature is no where near mine. 

According to the paperwork diversified sent me, i took out a lease contract for a phone on XX/XX/XXXX in the principle amount of {$380.00} after putting {$390.00} down and {$41.00} per month to pay iy off. Not only did i not take out a contract on this date but according to the most current invoice dated XX/XX/XXXX it says i owe {$480.00} on the same phone a year later. How can i owe {$480.00} on the balance of the phone a year after i supposedly owed {$380.00}? 

As previously stated, ive had multiple unsuccessful attempts contacting this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery Services continues to send mail demanding payment for a debt that I never incurred.

Numerous attempts have been made to stop their harassment and collection efforts.

1. XXXX  has contacted the company disputing the debt - I never took out a PayDay Loan 2. Though I completed bankruptcy earlier in the year, Ad Astra NEVER took the information off the file though contacted by my attorney, the bankruptcy court.

3. And even though Ad Astra has marked the debt as payed via bankruptcy with the credit agencies ...

The company continues to send letters demanding payment for a debt that is neither mine, that has been noted via the bankruptcy court as paid off even though they never followed through with statements that the debt was never mine to begin with, and even after recent correspondence with XXXX  confirming these details continue to send threatening mail via the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Hi! I have tried many times to have my Experian credit report corrected. My XXXX XXXX  credit card account ( closed in XXXX ) was settled on XX/XX/XXXX, but Experian continues to report it as of XX/XX/XXXX as currently in a negative or charge off status ( more than a year later ), dropping my credit score by up to 90 points. XXXX XXXX  claims to have reported the account as " settled in full '' as of XX/XX/XXXX, and says this is not a bank issue, but an Experian issue. I uploaded yet another dispute today, but am not optimistic that Experian will fix the issue in a timely manner.

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 2020-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We applied for a loan modification. The loan matures in XXXX. The interest rate is 3.12 %. 
We are overdue {$22000.00}. The principle balance is {$150000.00}. Our current payment is {$1100.00}. We fell behind because our daughter is XXXX XXXX XXXX and has had XXXX babies she can no longer care for. We are in the process of adopting them. This si a costly process. we did not just arbitrarily, fall behind? 
We were denied because the lender said it would increase our payment by more than 25 % if they modify the loan? 
That is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal advanced me money for use in my business around XX/XX/XXXX. I sold the business and the new owners were to repay the debt as part of the deal. They closed the business in XX/XX/XXXX. In XX/XX/XXXXpaypal reached out to me and said I have an outstanding balance of {$1900.00}. I explained that it was supposed to have been paid by the new owner and I would contact them about it. In XX/XX/XXXX paypal reached out to me about the debt and by that time the people I had sold the business to were long gone. I tried for a couple of months to get ahold of them. Paypal continued to reachout to me and I told paypal that I would take care of it and in XX/XX/XXXX I started making payments on it. XX/XX/XXXX made the final payment of {$1500.00}. ( I have the bank records to prove it ). In XX/XX/XXXX ( XX/XX/XXXX ) I received a letter from XXXX XXXX , XXXX, with the acount # XXXX asking for payment of $ XXXX.for paypal.I called them and said it had been paid and never heard from them again. Now I have just recieved a 1099-C for the amount of {$1700.00} saying its for paypal and is charged off and I need to declare it on my taxes. This is not right. I paid my bill and should not have to declare this. I have the bank records that show payment to Paypal in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My complaint is about Bank of America 's credit card bill pay interface. I am a new customer through an airline credit card. 

Logging onto the site, you land at a standard ( although poorly laid out ) page for viewing current charges, etc. The problem starts when you click through to pay the bill. On the main page it's a tab to click on, but once you navigate to the bill pay interface the issues begin.

1. The bill pay interface is a terminal page : you can't navigate back to the main page and you can't go anywhere else on the site. You can read some FAQ 's, but you can't go anywhere else without opening a new window and logging back in to the main page.

2. The bill pay interface only shows you the minimum payment due. You have to click around on a few tabs to find the most recent statement amount.

3. Nowhere do they show you the current amount pending on the card, you only see the last statement balance. ( Preventing you from paying the whole amount off? ) 4. When scheduling a payment, you do not get an intermediary step to ok the amount and date for payment. It defaults to the day your payment is due and when you enter the amount you want to pay, it automatically schedules the payment. I had to go back in, and find the way to reschedule the payment. 

It seems designed specifically to have you make the minimum payment on the day the bill is due as to collect the most amount of finance charges if you aren't paying attention or savvy to the buggy site.

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 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP
State: MT

Complaint narrative:
Started calling back in XXXX last yr and then last week. First it was a XXXX XXXX XXXX XXXX ( XXXX XXXX. Then a XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. In XXXX, XXXX. Asking us to make payment arrangements for XXXX on a closed accountfrom ky.

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 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My XX/XX/XXXX statement for {$4100.00} was due on Sunday, XX/XX/XXXX. My payment posted the next business day, Monday, XX/XX/XXXX. I was charged a late fee of {$25.00} and Interest of {$69.00}. The Credit Card Accountability Responsibility and Disclosure Act of 2009 Section 106 ( 2 ) states, WEEKEND OR HOLIDAY DUE DATES.If the payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor may not treat a payment received on the next business day as late for any purpose ( ftc.gov ). My payment was due on a Sunday, a date which the company can not receive mail, was paid by my bank electronically on the following business day, and therefore, should not be treated as late for any purpose. This is the second time this has happened to me. The first time was in XX/XX/XXXX ; my payment was due on Labor Day - Monday, XX/XX/XXXX and was paid on Tuesday, XX/XX/XXXX. The automated system removed the fees when I called in to Citi Bank. Now I'm being told that was a courtesy credit and Citi will only issue one per year. The credit should not be a courtesy ; it should be applied because the company is not following the Act mentioned above. I believe what the company is doing is illegal and is causing financial harm to others and to me. 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation