vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
In the month of XXXX I utilized my bank 's bill pay service by scheduling a time for a payment to be sent and received by at my local water utility company. This bill pay service has a service guarantee in their XXXXXXXX XXXX XXXX that states if the payment doesn't doesn't post in time, and you met the scheduling requirements, they would cover up to {$50.00} in late fees. I was charged two late fees ( For two utility accounts ) or {$7.00} each. 

I attempted to seek remedy for to be reimbursed through my bank. After countless phone calls, time spent on the phone, and representatives that would either transfer me or just take notes, I have to give up and submit this complaint. It's black and white in the XXXXXXXX XXXX XXXX that I should be reimbursed the late fees due to their service failure ( or their 3rd party service failure ). 

I have attached the XXXX & XXXX and review specifically the following : Payment Scheduling The earliest possible Scheduled Payment Date for each Payee ( typically five ( 5 ) or fewer Business Days from the current date ) will be displayed within the Service when you are scheduling the payment. Therefore, the Service will not permit you to select a Scheduled Payment Date sooner than the earliest possible Scheduled Payment Date designated for each Payee. When scheduling payments, you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non- Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one ( 1 ) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period. 
The Service Guarantee Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your Payees account. The Service will bear responsibility for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under Payment Scheduling in these Terms and Conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: MD

Complaint narrative:
I have a collection with a company that I never had dealings with. Professional Debt Mediat is reporting falsely to all XXXX credit bureaus that I owe. This is not my debt and I am demanding that this is removed from all credit reporting agencies immediately. This has put me in a hardship and has caused me emotional stress due to the fact it's hindering me from getting approved for a home. I would like for this matter to be taken care of expeditiously so that I am able to move forward with the purchase of my home. I would like to receive a full step by step detailed documentation of this investigation. This is not the first time I have tried to take care of this matter I keep getting that this account is verified with no documentation on how or who verified this. I haven't received any paperwork with my signature to confirm that this debt belongs to me because there is none. I never signed any agreements with Professional Debt Mediat nor have I given them permission to access my information. I need for this to be removed immediately. They are also reporting every month that I haven't made a payment this has been going on since XX/XX/2019 and is a form of harassment and a violation of my rights. I have attached a couple of the reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Bank of America credit card which I set up with autopay at B of A. Without my authorization or knowledge, B of A ( apparently on XX/XX/XXXX ) turned off the recurring payment feature. This resulted in my going past due due on the credit card and B of A assessing me a late fee. The first I learned of this was on XX/XX/2022 when I received an email from B of A saying I was past due-and that I could set up recurring payments on the account. When I called in to learn what had happened all B of A could say was that the recurring payments had been turned off because my wife ( we are separated ) had called in and failed authentication so there was " fraud on the account. '' I offered to pay my normal minimum payment ( {$45.00} ) but B of A said my minimum payment due was {$110.00} which consisted of my " past due '' balance, my next payment which was not yet due ( XXXX XXXX due date ) and my late fee. I offered to pay the {$45.00} to bring myself current but then B of A required me to agree to a disclosure statement which said my past due amount was $ XXXX the rep told me that B of A could not reduce that amount because that is what their system said their system could not be changed so it was right.

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 2022-01-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Complaint department please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. As far as I know you are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated that you verified that these items are being reported correctly? Who verified these accounts??? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was made responsible for fraudulent charges totaling {$9000.00} plus interest on 131 charges made on XXXX between XX/XX/21 to XXXXI notified Barclays on the evening of XXXX but they did not cancel the card leading to 3 more charges totaling {$1600.00} till I called back again on XXXX. All activity was not mine and I believe my card was hacked through my daughters XXXX account as she used my credit card as she is XXXX and visually handicapped with no credit of her own. Barclays first said I was not responsible but then decided I was. XXXX was of no help in this matter. Barclays claims that all items where delivered to my daughter in XXXX. This is not true! 
I was never notified by Barclays that there was unusual activity on my card- sometimes 16 transactions a day!! 2 transferred were over {$1000.00}. 
They initially took all the charges off then put them back in XXXX. 
There was only one actual charge made by me during those dates and it was for eye vitamins for my daughters XXXX. XXXX was quick to demand repayment for those when they probably had to repay Barclays. 
I have been a long standing customer of Barclays using the card for XXXX XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX who does not appreciate being treated this badly. 
This also lowered my credit rating. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TX

Complaint narrative:
A dispute letter was sent out to Transunion on XX/XX/XXXX disputing an account from the XXXX XXXX XXXX XXXX It popped up on my credit report fraudulently. Also, I called and spoke with a representative at Transunion about the fraudulent account. I didn't receive a response back from Transunion until XX/XX/XXXX. Which stated they investigated the accuracy of the account and it remains on my credit file. No information was given to me by Transunion of what information validated that this was indeed my account. No signed contract, no proof of identification, no signature from myself, no balance owed and no evidence that this was my account period. I only received a copy of my 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 non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank continues to place road blocks to our ability to make payments on our home loan, and then refuses to provide customer service to their customers. I went to make a payment and the login page is different, bank website is different, and my username and password is unrecognized. Is this really my bank? I attempted to contact their customer service and still unsuccessful. I have only 1 week until my payment is due. If I can't make a payment and I can't communicate with the company I am unclear how we do business.

In 2 years and multiple complaints I have had yet to successfully contact even one live person who works for Citizens Bank. I have never gotten through to customer service about my home loans and have never been able to connect with anyone at executive or corporate offices at Citizens One despite all the federal and XXXX  complaints. Lucky for me Citizens One leaves me sitting on hold for hours and hours which gives me some much needed down time to be able to file all these complaints and find other solutions to my problems and questions since Citizens One sucks so bad and refuses to provide support on my home loan. 

Also- Citizens One automated phone system is quite confusing. The recording begins by saying this is an effort to collect a debt. Then the recording goes on to say this is not a debt collection effort if you are in a court case or foreclosure. I am very confused as to what point this stops being an attempt to collect a debt since Citizens One gives conflicting information to their customers. Is it no longer an attempt to collect a debt once I stop paying? At what point does an attempt to collect a debt stop being an attempt to collect a debt? I am so confused and unfortunately I am unable to reach anyone at Citizens One in two years to ask my questions or provide me with any support whatsoever on my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have made additional payments to the principal amount and the Specialized Loan Servicing, based in Colorado, is refusing to apply the additional payments correctly. I have faxed my bank statements as required by SLS, but they have not only refused to correct the principal balance, but have not applied {$5000.00} in payments to the loan. Specialized Loan Servicing also will not send a payment history and the website for SLS does not allow the payment history to be printed from the website. My loan readjusts to a new interest rate in XXXX so it is critical that the loan principal balance be accurate prior to the interest rate adjustment so the new payment can be calculated correctly. Please help!

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 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
The debt collection agency Direct Recovery XXXX has indulged in repeated predatory, fraudulent and illegal methods of communication concerning a debt I have never owed. They have text me and leave messages constantly beginning this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
I received a letter on XXXX XXXX from Diversified Adjustment Service Inc stating that an alleged account through XXXX had been placed with them to collect XXXX. I responded to the letter by sending a certified debt validation letter. I had previously received a collection letter from a company called XXXX XXXX claiming they had received my information from XXXX trying to collect the same alleged debt. They had went so far to furnish it on my consumer report without validation. I sent them a validation letter and they ended up removing the collection. Fast forward to Diversified Adjustment harassing me about the same alleged debt. I sent them a validation letter and they sent back a statement/bill, nothing with my signature or how they even calculated the alleged amount diversified was accusing me of owing. I sent them back a letter stating the statement that was sent to me was incorrect and the information that was sent was not what I requested to validate the alleged debt. I went to check my consumer report and seen where Diversified had put the collection on my report. Diversified has violated my right to privacy as a Consumer and the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently discovered I had a rewards check mailed out to me which I did not receive. I was not even aware that one was sent and so was not on the look out for it. This is the Costco Anywhere visa. My account shows I earned the rewards and if they sent me a certificate I am requesting a copy of the certificate as Costco has offered to honor that if I can show even a copy of it. I am unable to get CitiBank to render a copy or even one I can print out. I earned the reward so I need to be enabled to get it. Please help. I am not even asking them for a new certificate but a mere copy of the lost one. Can you help? Or, if it was returned, then the original certificate. I will accept a fair exchange in the amount of {$100.00}.

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 monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
A call from XXXX identified himself as Barclay Bank 's attorney. We have never dealt with that bank. He demanded that I send him {$6600.00} to resolve a credit card debt. This is a scam.

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 2022-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife and I have been loyal customers of JP Morgan Chase Bank since it was XXXX XXXX XXXX XXXX. On XXXX XXXX I used my Chase XXXX card to, pay for routine auto repair. Dealer called informing me the charge did not go through. When I called card member services was told account was closed and reason would be sent in the mail. Also informed my accounts ( there were several ) were blocked. This act alone basically impaired my ability to pay bills, purchase groceries, etc. Several weeks later I received a letter stating the reasons for bank no longer doing business with me was for Inappropriate conduct. No explanations of what conduct offended or whom it may have offended. I also received a written warning that if I entered any JP Morgan Chase Bank branch, I would be arrested for trespassing. Needless to say having my accounts frozen, and being threatened with arrest, all for some type of unknown offense was very stressful. My wife, who is not part of the complaint, was eventually able to move funds to another bank. My personal account was eventually closed by Chase and funds mailed to my home. 
What I want you to investigate is what did I do that was so inappropriate? Having the threats of arrest warrant some explanation of what was inappropriate. If you require any documentation of my complaint all you need to do is ask and tell me how to send it for your review.

Company response to consumer: Closed with explanation