vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: TX

Complaint narrative:
I purchased a two day ski pass from XXXX XXXX  ( XXXX ) for {$350.00} to be used between the dates of XXXX at XXXX  XXXX  XXXX  XXXX I was able to use the first day as intended but XXXX closed all resorts for the season across the XXXX on XX/XX/XXXX due to the rise is COVID-19 cases and I was never able to use the second day. XXXX set up a webpage to request refunds which I utilized but I was told that it would take up to 12 weeks to see any sort of resolution. I didn't consider this an acceptable timeframe so I filed a dispute with USAA ( the credit card issuer ) on XX/XX/XXXX. Note that while I did not receive any further correspondence from XXXX regarding my utilization of the refund webpage ( and still haven't ), they only ended up offering customers the ability roll the unused days into a pass next year instead of issuing refunds to the method of payment. 

Regarding the dispute, I provided USAA with the public statement that XXXX XXXX  closed on XX/XX/XXXX, as well as the invoice for the tickets purchased. The dispute was revoked and when I inquired I was shown proof provided by XXXX that I used the ticket on XX/XX/XXXX. I told the customer service rep that I mistakenly entered the full transaction amount and that my intention was to recoup half of the ticket value ( {$170.00} ) since only half of the days promised were used. The rep noted this in the dispute but I was again contacted by the bank at a later date and told I need to provide further proof of correspondence with the merchant ( for which XXXX did not provide a carbon copy of when the refunds webpage was utilized ). XXXX is notorious for poor customer service and they are currently engaged in a large civil suit with pass holders over this very matter so I would really prefer to not continue interacting with them for something that I do not consider to be an acceptable resolution ( unused days rolled into a pass next year ) nor a good use of time and energy. 

Bottom line, I was promised 2 days of lift service by XXXX and only provided 1 day of their own volition. I am seeking a method of payment refund of {$170.00} for the 1 unused day which XXXX is publicly refusing to do for their customers with unused days and USAA is being extremely difficult about issuing a chargeback for a service that was very clearly promised, purchased and not provided by the merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01 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: CO

Complaint narrative:
A Capital One credit card was removed from my house by a grandchild and used at a strip club then returned. Capital One maintains that since the card was used in person it is not fraud. They refuse to reverse the charges of {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX ; XXXX and Transunion should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-01 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: IN

Complaint narrative:
XXXX ; Experian and XXXX should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 I submitted a payment in the amount of {$25.00} via ACH transfer for my credit card payment. On XX/XX/2020 I noticed that there was a {$29.00} NSF Fee associated with my checking account but there was more than enough funds in my account to cover the payment. In addition, I have overdraft protection through my savings account which at the time also had roughly {$900.00} in it. 

Not only was I charged the NSF fee by USAA, but my credit card company ALSO charged me a bounced check fee and marked my account as past due. 

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I HAVE BEEN DISPUTING THE ATTACHED ACCOUNTS FOR ALMOST A YEAR NOW, I AM VERY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY FILE. THE ACCOUNTS ARE PAID OFF AND I WOULD LIKE THEM TO BE PERMANENTLY DELETED OF FMY CREDIT FILE. THOSE ACCOUNTS HAVE BEEN OFF MY REPORT PREVIOUSLY AND REAPPEARED WITHOUT MY KNOWLEDGE. PLEASE REMOVE THOSE DISPUTED ACCOUNTS OFF.

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 2020-07-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN DISPUTING THE ATTACHED ACCOUNTS FOR ALMOST A YEAR NOW, I AM VERY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY FILE. THE ACCOUNTS ARE PAID OFF AND I WOULD LIKE THEM TO BE PERMANENTLY DELETED OF FMY CREDIT FILE. THOSE ACCOUNTS HAVE BEEN OFF MY REPORT PREVIOUSLY AND REAPPEARED WITHOUT MY KNOWLEDGE. PLEASE REMOVE THOSE DISPUTED ACCOUNTS OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION
State: MA

Complaint narrative:
Third Federal- XXXX XXXX XXXX XXXX , Ohio XXXX -opened an equity line of credit on my home which resulted in a first lien being placed on my home. I had no knowledge of the account until XX/XX/2019 when I had a second mortgage opened through my bank. I contacted Third Federal and they told me I had a credit limit equity line of {$21000.00}. I explained to them I did not want an equity line of credit with them and to close the account. I explained that I have never used the credit line ( which each monthly statement shows a XXXX balance and XXXX available credit ). 
Every month Third Federal sends me a bill with the same information. A XXXX balance, available credit, and payment due. I have requested multiple times to close the account and have the lien removed off my home and each time they have me submit different documents and speak with a representative but someone it is not closed out. 

This month they sent me another bill ( attached below ) and I contacted them again to explain the situation as I have done monthly since XXXX. /a very rude woman assisted me and told me that there is nothing they will do about the fraudulent account and the fraudulent lien on my home. I asked to speak with a supervisor and she told me no one could help me. I contacted my attorney and she explained that I need to file a formal complaint and sent me the proper links to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$6300.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$63.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX all FTC violations freedom mortgage XXXX XXXX XXXX XXXX XXXX XXXX  violations : FTC : Not mine Fair DEBT : LAW saids you can not use unfair practices to collect a debt FCRA : inaccurate information case on the company have violated the law previously will enclose all the violations : FTC Sues Subprime Credit Card Marketing Company and Debt Collector for Deceptive Credit Card Marketing XX/XX/2008 FOR RELEASE TAGS : Consumer Protection The Federal Trade Commission today announced the filing of a lawsuit charging XXXX XXXX and its wholly-owned debt collection subsidiary, XXXX XXXX XXXX XXXX XXXX, with deceptive marketing practices in selling credit cards to consumers in the subprime market. 

The FTCs complaint charges both defendants with violations of the FTC Act and XXXX XXXX with violations of the Fair Debt Collection Practices Act ( FDCPA ). Todays action is the result of a coordinated investigation of the defendants marketing practices by the FTC and the Federal Deposit Insurance Corporation. In a related action, the FDIC has issued notice of administrative charges against XXXX and two banks that issued credit cards marketed by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: FL

Complaint narrative:
I took out a Self Lender Loan in XXXX of 2019. During the course of this loan I built up principal and they allowed me to get a secured card utilizing the principal balance as security for the card. I always made on time payment so I could build and establish good credit. I decided to payout the loan XXXX months early. I paid them the full amount XXXX requested on XXXX. On XXXX they billed me XXXX and I paid. Several weeks later they paid me the balance of the money owed to me after satisfying the credit card they issued. This amount was XXXX. Then they hit me with a late fee XXXX associated with the credit card and reported me as late. I looked up my account and the credit card was removed from the dashboard so I assumed this would clear itself up. I then got another bill for XXXX  now two late fees. I have contacted them and they have apologized and said they could clear this then never followed up. I now have paid them an additional 30.00 and have two late payments on my credit report because of their mistake. Furthermore I have disputed the negative marks on my credit and they stand by their actions to negatively affect my credit for their mistake.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-01 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: FL

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
For the coming year the interest rate went down and principal and interest decreased. I am not understanding why the escrow amount the company wants to charge me more than doubled. Can you look into this? It feels a bit like extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
During the month of XXXX, 2020, I enrolled in XXXX  college to obtain a XXXX XXXX XXXX. I contacted Navient to discuss an XXXX deferment for my loans. In this phone call, I was informed that I was eligible for complete deferment of my private loans for the duration of my enrollment. I was told to send a letter to Navient confirming my enrollment, which I did. When I checked my account several weeks later, I noticed that I still had a payment due. I called Navient again, and customer service informed me that the due payment was a mistake and removed the notification from my account. Several months passed and in XX/XX/2020, I received another notification that I had a payment due. I called Navient yet again, and this time, I was informed that I was behind on payments for several months. I informed them that I was told this was not the case and that I was in a deferment. Upon looking into my account, the representative this time informed me that I was never in a full deferment program, but a deferment program that moved my payments to interest-only payments totaling around $ XXXX month. I explained that I had called several times and was told that my loan was in a full deferment program. I expressed my confusion about this, as my previous rate-reduction program had set my payments to $ XXXX month. I asked simply, " Why would I choose to enter a payment program that pays interest only and increases my payments while I am paying for school? '' At this point, I was told that I had authorized a previous representative to cancel my rate-reduction program in favor of the interest-only program, which I had never done and was never informed of. I asked if I could, at least, return to my previous program, and I was informed that this is impossible because I cancelled my program ( which, even if I had cancelled it, I would have done so because of wild misinformation regarding the deferment program on multiple occasions ). I asked what my options are, and I was told several times that I have no options but to make all of my " late payments '' that I " owed '' for the several months that I was supposed to be in a full deferment program. Since these conversations, both me and my co-signer ( my XXXX-year-old grandmother ) have received upwards of 15 phone calls per day, each, from Navient. This is merely the most recent in perhaps a dozen other times I have been grossly misinformed by this company in a way that has negatively impacted and damaged my life and my credit score while creating undue stress and enduring harassment for both me and my grandmother.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alco Collections, Inc.
State: OH

Complaint narrative:
I have attempted multiple time to get in touch with the company. In XX/XX/2019, XXXX XXXX, attorney for alco collections, claimed to furnish an itemized balance to me. I have not recieved it, nor the chain of custody of paperwork I have been requesting for over 2 years. I have made several attempt to have this company prove that this debt is my responsibility. I have made several attempts to dispute with Credit Reporting companies and Alco Collections remains by sending them that the debt is accurate. However, on my most recent report they have missing and incorrect data. I request that their alleged debt be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello. On XX/XX/2020, XXXX reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that XXXX will request that the defaulted loan be removed from the consumers credit report. I Have contacted Santander and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6300.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX {$63.00}

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 2020-07-01 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX  XXXX {$6300.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX {$63.00}

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