vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA DISPUTES XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dispute XXXX : Policy reinstated due to non-cancellation-XXXX  USAA On XX/XX/XXXX, I called to inquire about extending my due date for my policy that I have had for over 20 YEARS. I was told that the due date was XX/XX/XXXX. I wrote this in my calendar. I paid the premium of {$670.00} by XX/XX/XXXX. The reason is was late in the first place was because you were not mailing statements in a timely manner. I have been a customer for almost 20 years with excellent payment history. The statements were LOST in the mail and I never received any correspondence about any of this. 

I called on XX/XX/XXXX, I was told to have the payment in by the XX/XX/XXXX. 

USAA then went ahead and cancelled my 20 year old policy and upped the premium by {$3000.00} despite the fact that I was NOT late on the final payment. XXXX did not occur. My policy DID not cancel due to missed payments as I was following the recommendation of the agent who told me that there was a 10 day grace period or due date of XX/XX/XXXX which I met. 

USAA went ahead and Cancelled my policy when they TOLD me I had until XX/XX/XXXX and told me there was a grace period. I did as I was advised and found out USAA went ahead and cancelled my policy and increased my premium anyway! 

Listen to all the recordings and revert the policy back to what is was originally with no lapse in coverage. I was TOLD the due date was XX/XX/XXXX. 

I REQUEST my policy TO BE reinstated to what it was prior to USAAs mistake. I spoke with : XXXX Employee # XXXX Who also can confirm the conversation and confirm the recordings and the agent who told me I was still within the window of my current policy. 

My policy did not lapse so I would like my policy reinstated as it was prior to your mail mishap. 

CEO email : XXXX 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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have unathorized accounts on my credit report. According to the fcra any unathorized items on my report must be removed if not 100 % accurate and verifiable. Please remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MI

Complaint narrative:
TransUnion is reporting a closed credit card account for the XXXX  XXXX XXXX  XXXX XXXX with a balance of {$3400.00}, the actual balance is XXXX ( XXXX ). This account was closed due to possible fraud and transferred to another XXXX card. TransUnion has not updated this balance since XX/XX/2018. 
Additionally, TransUnion is using the inaccurate balance of {$3400.00} as part of my overall credit usage which has decreased my credit score by at least 30 pts. 
The account that is reporting inaccurately is displays on my credit report as ; XXXX XXXX XXXX  acct # 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 2020-10-20 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I have continuously tried to get 3 companies who have mistaken me for someone else and are reporting negatively. I have contacted XXXX, XXXX and XXXX multiple times to have these removed and they just send me back a " verified '' for them. I have personally requested signatures or ANY documentation to show these are mine but they will not as they CAN NOT verify it is me because it isn't. My name is XXXX XXXX XXXX XXXX and I do not have nor have I ever had these accounts but I can not get them to send me documentation to prove it is me. I have contacted each company and they will just say verbally that it is me because they just want payment from somebody. 
Please help me to get these removed from my credit report as I can not buy anything with this listed and they are not mine! I have had this all my life as I have even been threatened for bills prior to XX/XX/XXXX which is when I was born. 
The creditors that show on all 3 reports are : LVNV Funding for {$3200.00} XXXX XXXX XXXX for {$2600.00} XXXX XXXX for {$1900.00} If they will send me documentation to show MY SIGNATURE, I will pay these off but they won't because they know they have made a mistake and now just want their money. 
Please Help as the reporting agencies just get a " verified '' back which doesn't help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TN

Complaint narrative:
Trans Union, LLC failed to update my Chapter XXXX Bankruptcy ( XXXX ) on my credit report. The bankruptcy on my credit report should be listed as " Chapter XXXX Dismissed / Closed ''. However, after disputing the account with Trans Union, LLC ; TransUnion has repeatedly failed to update the account as closed and has left the account open.

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 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Two online bill payments were paid on XX/XX/2020 with a arrival date of XX/XX/2020. After callling customer service. The two payments XXXX XXXX {$15000.00} and XXXX XXXX {$13000.00} were sent out by mail on XX/XX/2020. Due to increase traffic and issues with the U.S. mail.  The items my be delay or loss and could result in more interests and late fee being charge on credit cards I wanted to pay in full. Customer service was unable tell give me a reference on what determines whether a payment would be sent ETF or by mail. The Payment was made on the XX/XX/2020 and the arrival was date was XX/XX/2020 on the bill payment site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I receive multiple calls a day from Portfolio Recovery. Every call is from a different number in a different state. I have answered multiple times to ask them to stop calling me. The collector hangs up or is harassing toward me. I want these phone calls to stop. When I do answer the call the collector is rude, threatening and belittling. Especially in this time of what is going on, that is not necessary. I have blocked every number that they have called me from but they just call from a different number. I have not received any mailings, just harassing phone calls 7 days a week. 

Below are some of the phone numbers that I have been contacted by - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Those are just the numbers I can identify. I have over a dozen more that my phone identifies as SPAM that I am sure belongs to portfolio recovery. They call me multiple times a day from the different numbers and 7 days a week. I receive phone calls on Sundays at XXXX! 
This harassment needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is now the THIRD complaint I have lodged against Experian with the CFPB for not responding to my dispute within 30 days. I mailed them a dispute on XX/XX/2020. When I didn't get a response I mailed them a demand to comply letter on XX/XX/2020. It is now XX/XX/XXXX, and I have yet to receive a response to my dispute. I have also reached out to my attorney today because they are refusing to remove the incorrect information or even respond to my dispute.

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 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: OK

Complaint narrative:
XX/XX/2020 : Closing the sell of our property and land Prior to the closing date the closing company called and went over the information on the closing disclosure. 
My husband is a 100 % XXXX Veterans and has exemption from property taxes by the State of Oklahoma. They had charged us with {$800.00} for the 2020 property taxes. I told them at the time that we do not have property taxes due to his exemption.

On the day of closing when we closed, the Property Taxes were charged against us. I again told the closing company that we are exempt. They stated that they were directed by the Mortgage Company GMG to charge. 
We then went to our XXXX County Tax office to see if we were responsible for the property taxes they had charged us with. They said we DID NOT owe any taxes for the 2020 year. I again contacted the closing company to no avail. I then emailed the Mortgage Loan officer and her response was, " We have to collect for
the taxes due for the year. If they aren't due from XX/XX/XXXX to closing date then the ______ (

buyers ) will get a refund once the account is analyzed after the first of the year ''. The mortgage company is holding our money and plans to " Refund the Buyer ''. This is our money not the buyers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
An outstanding balance of {$1100.00}, as reported by XXXX XXXX, has remained on my credit report since XXXX. I have previously disputed this information with XXXX and Experian, at least twice and, they continue to report. I do not have an outstanding balance. I have done business with XXXX XXXX since that time and, my account was always current and in good standing. Even if there was an outstanding balance from XXXX, it would have been included in a Chapter XXXX bankruptcy discharged in XX/XX/XXXX. Moreover, the reporting has continued far in excess of the seven year timeline as determined by the Fair Credit Act and Federal  Trade Commission. Finally, each time I have disputed, the credit reporting agency updates the actual date on file to reflect the same date in which I disputed ; thus, the appearance of the outstanding balance more recent than actual.

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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
The company sent me a letter stating that they would give me a 10 % discount on a debt. The debt was {$4800.00}, and according to their letter, they would allow me to settle the account for {$4300.00} ( a savings of {$480.00} ). The letter said I could pay online, so I signed up for an account, clicked on " offer letter acceptance instructions '' and followed the directions it provided to make my payment. I submitted my payment for the {$4300.00}. Then the next day ( today ) I checked the account, and it said I still owed a balance of {$480.00}. I called them and aside from being utterly rude and giving me the run around, they said that somehow I didn't check the right offer box when I made my payment so they will only consider it as a payment toward the entire amount. Basically, I made the EXACT payment they said would settle the account, but because I didn't check a box when I submitted the payment online ( a box which doesn't exist ) that I now have to pay the full balance. I have copies of the offer letter and a photo of the the payment instructions on the screen which doesn't have any " offer box. '' I followed 100 % of the instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
In 2016, XXXX XXXX in XXXX GA failed to properly file an insurance claim pursuant to my office visit. I was under the impression they had done so. When they caught the mistake it was outside the window for filing a claim with the insurance company. I spoke with them many times and tried to work out a settlement. They refused to find a resolution and turned the debt over to Carter-Young, XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. XXXX. I also spoke with Carter - Young and explained in detail the problem. Four years later I am being harassed monthly with statements even after asking for that activity to cease. All of the credit reporting agencies have dropped this from my reports except XXXX who, to date, only provided on my report that I disputed the amount, which is true. I would like for XXXX XXXX and Carter-Young to cease  sending negative information each month and to erase this debt from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
The week of XX/XX/XXXX, I made a call to USAA to inquire about graduating my secure credit card to a non-secure card. I was told by the rep I had to apply for a new card ( the rep never took into account that I already have 4 cards with USAA and was only inquiring about the secure card that I have held for 7 years ). I made a request to speak with management regarding this matter ( I was placed on hold for 6 min. ). Then I was told that a manager was not available and that one would contact me. I waited nearly two weeks for the call. On XX/XX/XXXX, I reviewed my USAA credit card account only to find that my credit limit had been cut in half ( from {$6000.00} to {$3000.00} ).  This card had not been used for 4 months due to my paying off my credit card obligations ( and having excellent payment history for the past 24 months and being out of work for 6 months during this covid pandemic ). In doing so USAA is liable for creating a negative effect on my credit history credit card utilization thereby causing harm to my personal credit. The representative took personal action to lower my high balance card due to our conversation. There is no way, that USAA can say that my limit decrease was due to credit when all of my other cards limit were not changed with USAA. I want my card limit restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This is a follow up to my previous complaint about Chase because my situation is getting worse. Since XXXX, I have been trying to get something in writing from Chase about how to close deceased parents ' accounts and received only harnessing emails stating that accounts that have roughly {$7000.00} have been overdrawn. 

I was called by Mr XXXX from Chase 's executive branch who told me he would look into my situation and try to find the documents I had already submitted. On XX/XX/XXXX, I received two emails ( attached ) stating that the account was overdrawn by XXXX. I called Mr XXXX who told me to ignore those emails and he told me to send in another copy of my mother 's death certificate and documents proving I have the power to control her affairs, which I did. ( attached ) Yesterday, I received a telephone call at XXXX XXXX  fro Mr. XXXX letting me know that my documents were not sufficient. I called back yesterday and today, left several messages on voicemail and spoke to someone who said the people working on my case were not in the office. I asked that someone call me and send me something in writing letting me know what documents I need to submit and why the documents I submitted are insufficient ( they are exactly what he requested ) so that I can close this account. 

I have attached also links to the relevant Chase webpage and the Massachusetts legal handbook that describes the documentation I submitted as sufficient to give me authority to manage my deceased parents ' bank accounts. 

I feel that Chase 's refusal to put information in writing and to respond in a timely manner is becoming harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
XX/XX/2020 a statement was sent directly to Telerecovery XXXX letting them know I have no knowledge of the debt they are wanting to collect. There is also no written contract between us. I know nothing about this debt which is not right. They continue to call during busy work hours as well no matter what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I used my credit card within my limit as I normally would. The account has been restricted and I wasnt told why other than something triggered a response in their department. Ive called numerous times and my account is still restricted over a week later. Im not given a time frame of when I can usee my account. After reading about this companys practices online in similar cases, it looks like many people are restricted from using their cards for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp.
State: WA

Complaint narrative:
In XXXX of XX/XX/2017, Armada Corp., advised of an outstanding debt for XXXX XXXX. Proof of payment was given to the collection agency however, their position is that they received the debt prior to being paid and are therefore owed for their services. I have twice sent letters to satisfy this problem and with no response. However, Armada  continues to report the debt as unpaid and will not remove from credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I have continuously tried to get 3 companies who have mistaken me for someone else and are reporting negatively. I have contacted XXXX, XXXX  and XXXX multiple times to have these removed and they just send me back a " verified '' for them. I have personally requested signatures or ANY documentation to show these are mine but they will not as they CAN NOT verify it is me because it isn't. My name is XXXX XXXX XXXX XXXX and I do not have nor have I ever had these accounts but I can not get them to send me documentation to prove it is me. I have contacted each company and they will just say verbally that it is me because they just want payment from somebody. 
Please help me to get these removed from my credit report as I can not buy anything with this listed and they are not mine! I have had this all my life as I have even been threatened for bills prior to XXXX which is when I was born. 
The creditors that show on all 3 reports are : XXXX XXXX for {$3200.00} XXXX Portfolio Services for {$2600.00} Portfolio Recovery for {$1900.00} If they will send me documentation to show MY SIGNATURE, I will pay these off but they won't because they know they have made a mistake and now just want their money. 
Please Help as the reporting agencies just get a " verified '' back which doesn't help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX

Company response to consumer: Closed with explanation