vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, my credit card account with USAA was closed by USAA without any warning or reasoning. I called trying to figure out why my account balance was showing XXXX when I only had half of my limit used and had just made a {$1500.00} payment to that card. I called them to figure out what was going on which was when XXXX, from servicing for credit cards department, proceeded to tell me that they had decided to close my account. Hearing this, I asked why ... she told me that they were not going to tell me why but it had something to do with fraud on that account. I responded saying yes I called about a month ago due to my card being hacked at XXXX with multiple XXXX cent charges occurring while I slept that night. The following morning I called USAA, reported the fraud, got a new card sent in the mail, and thought everything was ok. Thats the only thing I can think of that occurred fraudulent on that account ... so I asked her why am I being punished for someone else hacking my card?? She didnt give me an answer then proceeded to tell me that ALL my accounts were being closed including my checking and savings account and that I would receive a letter in the mail telling me I have 30 days. Continuing to ask why they are being closed and what I did wrong so I can avoid doing whatever it may be in the future, she kept stating that she couldnt give me that information. After that, I stated that I couldnt afford to pay off the full credit card amount within 30 days and asked what would happen if I didnt ... XXXX stated I would be sent to collections. I then asked to speak to a supervisor and she said she had no supervisor I could speak with. Finally, I got transferred to XXXX, in executive resolutions department, who was no more help then XXXX. Refusing to give any information to why they were closing my accounts. I then insisted on speaking to the CEOs office ... XXXX said they werent available and even if I spoke to them they wouldnt give me any information about why the accounts were being closed. Being a USAA member for 15 years and in the middle of a COVID crisis and out of work for 6 months due to the extended shut downs in my state I am in shock and emotionally incapacitated. Having limited funds, I cant afford to pay my entire balance off and start somewhere else. Especially knowing that this account closure will affect my credit score and financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
tried to link my pnc account to my XXXX XXXX and is not allowing me to make transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am sending this request to Bank of America. The issue is a late payment reported on my account. The account information is the following : Opened date : XX/XX/XXXX, high balance : $ {$11000.00}, late payment reported on XX/XX/XXXX. 

I moved to California in XX/XX/XXXX. In a conversation with BOA, I have asked them to send me a new card. I was getting mail forward but some statements may not have come through. The late payment is due to an ANNUAL FEE. I was not even aware of carrying a balance, and then I was terribly surprised by this late remark on my report. 

I want to let Bank of America know that one of the reasons I moved was because I was affected by XXXX. This situation has been overwhelming for everybody. I know I am just one more victim, but please take that in count. 

I would highly appreciate if Bank of America removes this late on my report. I have an excellent record on my payment history, and please keep in mind that : 1. The late remark is the result on an annual fee. 
2. I was not aware of carrying the balance because I didn`t receive the statement. 
3. I was a victim of XXXX. 
4. I made the payment right after I realized about the balance ( on XX/XX/XXXX ). 

Thanks to whomever reads my complaint.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX of XXXX  we went bankrupt and when we went bankrupt I didn't know we had to reaffrim the mortgage. So that were all the problem started. I talk to XXXX XXXX  in XXXX so I could get mortgage on my credit report I sent a letter to XXXX XXXX. Nothing happened. I also had problems making payment so I hook up with ( HUD ) and made payments on XXXX, and XXXX i did all the right things make sure I didi n't miss a payment. My account # is XXXX, they tell me I followec all the payments to a XXXX XXXX in XXXX I got this letter from XXXX XXXX  tell me that if I want recast I would owe them XXXX without a recast I would owe them XXXX as a payoff. I want to know what the payoff should be. Please Help Me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I purchased a flight via XXXX  on my Citibank debit card. After flight cancellations, I was unable to take a flight to XXXX to be with my family for Christmas. After contacting the airline, XXXX, and Citibank, I disputed the transaction. 

Citibank provided a credit then reversed it and refuses to honor the dispute or do their due diligence.

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 2020-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Received a bill in XXXX from XXXX XXXX  for a supposed visit in XXXX. The address was correct, however my last name wasn't on their invoice. I called the company and talked to XXXX ( ext XXXX ) and said it must be a mistake. I have a different company that installed my Water Heater and services it - since its under warranty. She said she is not changing any records - so I talked to the owner of the company and he said he will get back to me. 6 months later, in XXXX of XXXX I received another invoice with a different visit date, postmarked for XXXX - which I thought was also odd. The amount it {$240.00} dollars. I called to XXXX ( ext XXXX ) and went through same conversation. She said she is not changing anything so I requested any documentation to show that its me they dealt with. A PO, a signed purchase order, anything with my name on it, there was nothing. Then I get a call from Transworld System, a collection agency and they are now inquiring about this debt. So now this somehow spiraled out of control without me being involved. I have never done business with XXXX XXXX, and the fact that they can simply submit me to collections is amazing. With no proof or even my correct last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I sent a certified letter to Convergent Outsourcing asking for a ACCOUNT VALIDATION on an account they placed on my credit report on XX/XX/2020. Failure to reply within the 30 days the law allows. I sent a Failure to respond/demanding deletion of the account on XX/XX/2020. They refuse to remove the negative account 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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Paid the debt owed however its still being reported on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This inquiry is unauthorized. I already sent a letter to XXXX, XXXX  and Transunion multiple times but until now, this still is being reported. I never authorized this company to run my file.

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 2020-07-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This inquiry is unauthorized. I already sent a letter to XXXX, Experian and XXXX multiple times but until now, this still is being reported. I never authorized this company to run my file.

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 2020-07-31 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: Convergent Resources, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX When checking my credit report I notice a charge of XXXX from XXXX through a debt collector by the name of CONVERGENT OUTSOURCING. This is a fraudulent bill and a result of Identity theft as previously reported to XXXX in XXXX. This company has been reckless and negligent in reporting erroneous bills to my credit report. I have sent countless documents to XXXX  showing that this is the result of Identity theft but they have yet to remove this bill 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 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Apparently cant open account for my daughter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
Dear Sir or Madam, recently I was unpleasantly surprised to find that my credit score had gone down a lot because of the collection agency " Caine & Weiner ''. Until now, because of the way " Caine & Weiner ''  conducts business I thought that the person who was calling me back in 2017 was just a scummer trying to get to my bank account. 
Each time he had called me I ask him to identify himself but not over the phone. Each time he had called me, I'd told him if he was who he said he was, he should follow the FCRA legislation, as a collection agency, there are some steps to take prior to contacting any " delinquent '' over the phone. 
I told him that, " the consumers have 30 days from the initial communication about the debt ( for example, the first letter received explaining the debt is in collections ) to call the collector and ask for the debt to be verified in writing. The collector must return your request before it can start trying to collect the debt again. '' Because in my case the initial communication was missing, I asked him to send me a letter with all the information 's just to prove he was who he said he was and also I wanted to see the statement, the invoice, from XXXX XXXX, that reflected my " delinquent activity '' with the bank, knowing that my XXXX XXXX Credit Card issued by XXXX XXXX  as well as the other Credit Cards issued by XXXX XXXX  like XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX were in good standing at that time and still are in good standing at the present. 
Every single time he had called me, his first question was if I was ready to make a payment and what card or bank account I was going to use, not just disregarding my request to prove who he was, but actually telling me he wasn't gon na send me any letter with all the pieces of information I was asking for, making me believe that he was just another scammer. 
I hope he still has all the recorded conversations to prove everything I write down in this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: MI

Complaint narrative:
I sent a second written request to remove all the inaccuracies and unverified accounts on my report on XXXX XXXX I havent gotten a response back from Experian. I then wrote a 30 day non response letter on XXXX XXXX and still havent gotten a response. These inaccurate and unverified accounts are stopping me from getting a job and a house its very important that I get this removed! I have sent collection validation letters and they dont havent provided and verification to the accounts being on my reports so how is Experian saying they verified the information with the collection company when they didnt. I have not gotten any responses to my dispute letter that was spent. Do not close this complaint until this issue is resolved

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 2020-07-31 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: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
There are incorrect bills being reported to my credit. 1 ) XXXX XXXX  2 ) SEQUIUM ASSET SOLUTIONS, ( a debt collector for XXXX XXXX XXXX The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
There are incorrect bills being reported to my credit. 1 ) Regions Bank 2 ) XXXX XXXX XXXX, ( a debt collector for XXXX XXXX ) The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.

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 2020-07-31 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: Medical Data Systems, Inc.
State: AL

Complaint narrative:
When checking my report I saw that there are accounts still being reported that where previously disputed due to fraud. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts in question from my credit report. This has caused emotional strain and has been extremely time consuming for me to continue to request that these accounts be removed. I would like to see penalties against the companies involved for failing to investigate claims of identity theft and for the emotional stress that this experience has caused. These companies failed to verify information given to them. XXXX XXXX IS REPORTING INCORRECT INFORMATION IN THE AMOUNT OF ( XXXX ) INCLUDING THE WRONG SOCIAL SECURITY NUMBER WHICH DOES NOT BELONG TO ME. MEDICAL DATA SYSTEMS INC IS REPORTING A {$150.00} Open balance FOR XXXX XXXX XXXX a creditor they claim to no longer be collecting for yet the information is still on my reports, there has been no efforts made to remove them. 
I am once again requesting immediate removal of these fraudulent accounts. Not for them to just sit in Dispute status.

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 2020-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc.
State: WA

Complaint narrative:
I called and negotiated over several months to pay the Balance in full. The original loan amount was with XXXX XXXX XXXX in the amount of {$2000.00}. I was XXXX and have been struggling the last couple of years and through Covid to get my finances in order. We mutually agreed on {$1800.00} as payment in full. I asked for confirmation of the agreement before I made the payment and they advised me that they did not have a way to send me a confirmation of the agreement but that I would recieve a reciept stating a XXXX bal due and that payment had been received for payment in full. I recieved a Receipt in the mail dated for XX/XX/2020 with a remaining balance of {$1300.00}. It did not have the amount of my payment listed. 

The letter said : For : XXXX XXXX XXXX Bal XXXX Agency Accnt # : XXXX Creditor Accnt # XXXX Thank you for your payment. You will find your current balance above. 

This company said that if I made the payment of {$1800.00} I would be released from any further liability of the debt and that collection efforts would stop and my credit report would be updated accordingly to reflect the debt was settled for less than the amount owed. This company did not live up to their end of the bargain. They committed Fraud to entice me to make a large payment that took up all of my accumulated savings to settle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Applied for Bank of America XXXX XXXX credit card via phone using my XXXX passport number since I do not have SSN/ITIN. Also, I am a new customer of their bank. Opened checking and savings accounts weeks ago ( XX/XX/2020 ). Since I am a new customer, I expected bank 's credit analyst was lenient on my application considering I do not have a US credit file and is trying to build one, however, how can I do it without any US credit card to start with? Application was declined and received letter from the mail about the decision. Reasons for decline were insufficient number of established credit references, insufficient established revolving credit accounts and limited deposit/investments balances with the bank. In my opinion, these decision outcomes were normal for an applicant with no US credit history and is just starting to build a relationship with the bank. They should be considerate and give chance to new customers on how to handle credit responsibly. It is true that we are in the COVID-19 crisis and that the economy is unstable, however, that does not mean that every new customer of their bank will have the tendency to misuse credit, indeed, they misjudged my application on the basis of no established US credit history and limited balances on my bank accounts with them. Let us not be PREJUDICE. I believe, the reasons that were mentioned above were not bad at all and can be reconsidered if they just open up their minds and be considerate. How can you gauge a customer 's ability to repay and on time if he/she does not have anything to start with? The key here is to establish a good relationship with the bank and build trust. I am hoping that Bank of America credit card department will reconsider my credit card application.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with Santander. I requested documentation to validate that this account was personally done by me and never received any information about it - not from Santander, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that Santander has on file. I have even mailed in letters to Santander and have never received a response, I am literally being ignored by this company.

Company response to consumer: Closed with explanation