vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
ongoing issues with USAA regarding debit card disputes with merchants. USAA does not have a way for the customer to speak with anyone in the department that investigates and makes a decision about the dispute. USAA also does not have a way a customer can send additional information directly to that department. You can only upload a document on the " upload document '' feature on usaa.com and it does not allow you provide a description of what's being uploaded. you can only select what department it should go to, i.e. insurance, banking, loans, etc. 
i select banking. 

i had two disputes denied recently by USAA for merchandise i ordered in XX/XX/2020 and had not received when I filed the disputes in XX/XX/2020 over 90 days after the merchandise should have been received. I was notified there was usps tracking info that shows an item was delivered to my address, I told usaa it was never received. I was actually hospitalized on these dates of delivery and my postal carrier routinely does not deliver my mail or delivers to the wrong house. I never received the merchandise and USAA still denied my claim and removed the temporary credit. 

USAA acts as though they look for a reason to deny instead of even calling a customer to get clarification before doing so. 

i now have a new dispute that I filed on XXXX for XXXX and uploaded documents to usaa from the merchant that said the order could not be completed, the email from the merchant and my payment email from the merchant. seems simple, last night i get an email XXXX that they need more information, information ive already provided, information in the documents i uploaded that obviously no one bothered to look at. Again their practice is to find a way to deny disputes, i uploaded the same documents again. 

this seems to be a practice of USAA and if it's happening to me, its happening to other customers as well. 

XXXX for XXXX is still owed to me for merchandise not received for a dispute I filed in XX/XX/2020 that USAA denied. 

XXXX for a XXXX transactions that was done when my account was hacked by someone, login info changed and money sent to XXXX. that I did not do. This was FRAUD I've complained to USAA repeatedly about their inefficient dispute practices and nothing has changed. 

It's also their policy that you do not have to contact the merchant before filing a dispute but they use that as a reason to deny a dispute.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I got numerous fraud charges on my Sears MC beginning XX/XX/XXXX. All charges were for an XXXX in XXXX. I was alerted to this by my monthly statement. Sears issued me a replacement card. That card also got another fraud charge on it, and I was alerted by my monthly statement. It was the same merchant, XXXX in XXXX. A XXXX search of the number on my statement for XXXX showed up many people complaining that this was a common occurrence that had been occurring with XXXX for a couple years! How did XXXX get my new account number? This was only the beginning. All fraud charges were eventually removed from my account only after an investigation. I have those letters from Sears Security Operations stating that on XXXX and XXXX. Then out of the blue on XX/XX/XXXX I received a check for {$1000.00} from Sears/Citibank. I sent it back explaining since I had not paid any fraud charges, that the check was not mine. They sent it back to me again and again, each time I said it was not mine. Now {$1000.00} appears on my bill on my closed account. They are saying that my account was credited twice for the same amt. They do not acknowledge I sent the check back on XX/XX/XXXX, XXXX & XX/XX/XXXX ( signed returned receipt each time ). My acct. is now past due according to an email received on XX/XX/XXXX. I figured out they arrive at {$1000.00} because my last fraud charge on my replacement card done on XX/XX/XXXX was for {$1300.00}. They deducted my final payment of {$330.00} which was for my true charges, and they get {$1000.00}. Makes no sense! Criminal. This badgering is nothing short of harassment. There's another whole ridiculous story to get to this point but I have limited space. It seems very nefarious between XXXX and Sears or there is something deeper going on with another entity. Please help me stop this nightmare and for other people too. Thank you in advance.

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 2020-10-01 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. XXXX XXXX XXXX   ACC # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS MARINER FINANCE ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.

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 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Dedicated Credit Repair
State: CA

Complaint narrative:
Was a previous customer for 2 years, paid as agreed for credit repair services. I was not satisfied with the outcome after 2 years of services and end services with them. I posted a review on XXXX  in I would not recommend them because of their outcome of services after 2 years. They claimed to be part of the DOJ and contacted the DOJ in which they were not located. They contacted me on XX/XX/20 to remove my negative review of their services and threatened me with legal action if I don't. As a consumer I have the right to say I was not satified with services rendered. I was harrassed and threatened for not being satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: IL

Complaint narrative:
XXXX  and Transunion should not be reporting me as authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these 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 2020-10-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
For months, i have been asking EXPERIAN & XXXX  to comply with my disputes. Both companies are reporting a bankruptcy on my credit report. Both Companies have said they verified their information from XXXX XXXX. However not only is it an FCRA violation to seek information from third parties companies, XXXX XXXX has already sent a letter to me saying this information was UNVERIABLE and is NO LONGER in their system. However BOTH companies are still saying they verified the information from XXXX XXXX. 

furthermore, its been months of the same thing, and i have had no choice but to hire an attorney to initiate a law suit against the non complying company.

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 2020-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On XX/XX/XXXX, I received a letter saying my account was closed for false reasons such as high balance and collections and during that time I had no collections on present on my account. I also have a XXXX  balance on the account prior to the letter being sent and have paid consistently on time all year. I previously reported this same credit company for reporting my balance false and incorrectly for two months. I strongly feel this was a discriminatory retaliation move from Best Buy Citi Bank. 


On XX/XX/XXXX, I spoke with XXXX. I asked her multiple times to provide the ID and instead she proceeded to stall to provide it for me and hang up the call. I proceeded to call the customer service line back and to speak with the manager whose name is XXXX, XXXX team number. She then also hung up on the call instead of providing a resolution.

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 2020-10-01 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: GA

Complaint narrative:
I was past due with my payments due to COVID XXXX in XX/XX/2020. Citi approved a payment deferral of two billing cycles on XX/XX/XXXX. I still made the minimum balance payment in XX/XX/2020 for the following billing cycle. On XX/XX/2020 I checked their app for additional payment before my due date and the app showed that I had already made a payment so no payment was due. I was still charged {$40.00} for a late fee. Then collection phone calls started from the company at least twice a day every day. 
On XX/XX/XXXX, I made another payment before the due date of XX/XX/XXXX for the minimum balance due. Yet on XX/XX/XXXX I was hit with another late payment fee for {$40.00}. 

Today, XX/XX/XXXX, I spoke to at least 4 different Citi employees who each gave a different excuse for the fees although I paid the minimum payments as reflected in the app. 

Instead of billing for the missed payment in XXXX as part of the minimum payment due, they have it billed separately as an optional payment and then are charging a late fee for that payment. I have closed the account but this is clearly unethical billing and fee charging. I'm paying my balances as stated but still getting charged and the agents act as if this is normal.

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 2020-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MA

Complaint narrative:
Rausch Sturm has tried collecting a debt that is over 10 years old. In less than a weeks time they sent three letters trying to collect payment i wasnt even aware of. I called them the young lady said it was from a company name XXXX XXXX never heard of them. I explained that i dont know who they are she said it was from XXXX and XXXX. I am in my massachusetts and the statue of limitations is 6 years here. I told her this is too old to collect. She agreed and today XX/XX/XXXX i receive another notice with a copy of a judgement that was made in XXXX which i was never aware of. I have called and asked them to stop reaching out but it has not helped.

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 2020-10-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. WELLS FARGOXXXX XXXX  XXXX # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.

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 2020-10-01 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: TX

Complaint narrative:
I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. XXXX XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.

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 2020-10-01 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: IL

Complaint narrative:
SinceXX/XX/2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!

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 2020-10-01 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: IL

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these 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 2020-10-01 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: FL

Complaint narrative:
A hard inquiry was submitted by XXXX XXXX XXXX XX/XX/2020 which I never authorized. I have called XXXX XXXX XXXX and Equifax multiple times to correct. The XXXX XXXX XXXX rep verified there was no reason for the hard inquiry and for me to request Equifax remove it & ask for a ref # to give to XXXX XXXX XXXX. The Equifax rep refused to submit the dispute she said the lender needs to do it. I advised the Equifax rep XXXX XXXX XXXX informed me to dispute and request reference #. The rep told me I will have to wait 2 years for it to drop off or I should file a police report stating fraud. I will not wait 2 years & I will not file a false police report stating fraud b/c I dont know if someone accidentally typed my ssn for inquiry since no actual account was created. I asked for an Equifax supervisor and after I held 15 minutes Equifax dropped or released the call. Equifax has denied me the right to dispute an inaccurate inquiry in which Equifax can verify with XXXX XXXX XXXX I didnt authorize. 
I filed case # XXXX with XXXX XXXX XXXX rep XXXX in TX for verification although his dept cant call Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: OH

Complaint narrative:
I took out a loan with them and was paying it back with automatic withdrawals, my hours were reduced due to the pandemic which i advised them of in writing. I NEVER received a copy of the original loan agreement even though I called several times asking for a copy of it. Now I received notification from my HR department my account was sent for wage garnishment in the amount of {$1900.00} which the last statement I received states a balance of {$1300.00}. The garnishment or the collection attempts were not filed in court. and I was never given the opportunity to dispute the garnishment or settle the debt accordingly. I never received any documentation from the collection company at all! When I call the collection agency all they keep telling me is to refer to the signed loan agreement which I do not have! and they will not even allow me to dispute or settle the debt with a payment plan. They are demanding the entire {$1900.00} in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: IL

Complaint narrative:
Equifax and XXXX  should not be reporting me as authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Javitch, Block & Rathbone LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX, now owned by Javitch Block XXXX http : //www.jbllc.com/, Javitch Block has me served papers by Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on a monthly payment agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to pay off this debt. I am in the process of trying to obtain a mortgage and repairing my credit. I pulled my report from all 3 credit bureaus and the monthly payments are not being reported and the new balance is also not being updated every 30 days after I make a payment. I have attempted to send certified disputes and called XXXX XXXX, Javitch Block and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and after 4 monthly payments my 3 credit reports are still not updated. They can not report an incorrect balance until it is paid off. This continues to show higher amounts than what I really owe after I make my monthly payment. I have other charge off accounts that are on payment plans and monthly payments and balance is updated monthly. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has informed me that they do let Javitch Block know every month when a payment is made because this is under a stipulation agreement with the courts and if I do not pay monthly it will turn into a judgment against me and as I am trying to repair this I do not want a judgement and have made my payments ever month. Please call XXXX they will verify my payments.

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 2020-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
NewRez recalculated my escrow incorrectly by charging me twice for my yearly insurance premium. I called and was on the phone for over an hour, and was assured that the company would recalculate my Annual Escrow Account Disclosure Statement within the week. This was not done, and my mortgage payment increased from {$1400.00} to {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation