vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: NJ

Complaint narrative:
On XX/XX/XXXX I called to file a dispute with XXXX from my acct at USAA. I neve received the merchandise from XXXX and attempted to resolve with XXXX  since XXXX the issues no resolution. I decided to reach out to my bank instead and file dispute. Letters requesting docs were sent but I guess issues with USPS delivery issues I didn't get my letters that requested more info. Temporary credit was reversed. I called USAA on XX/XX/XXXX XXXX because saw funds were taken. Was explained dispute was closed because I didnt sent docs. That day rep send request to reopen case and sent me copies of all communications previously sent. I sent requested inf between XX/XX/XXXX & XX/XX/XXXX thru link on USAA app as instructed during that call. Today I called to fll9w up and rep couldnt locate where docs were sent or case reopened and told me another of the credits related to dispute was gon na be reversed and case close since I didnt sent docs. I uploaded several times the same.docs. One charge came off acct ending in XXXX for {$35.00} and three from XXXX XXXX for {$35.00} & one for XXXX. I dont understand the confusion going on. I am frustrated how this is been handled by all parties including XXXX and XXXX. But my bank USAA really dropped the ball. Besides the fact that my notifications in my inbx are not loading up correctly. I can't see some docs and the fact that I have to call and get them send to me again is also frustrating. Taking back mycredits is creating issues sin I have bills to pay and this cod cause overdraw of my accts if not already happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have had issues with loss of work and/or non full time work. I have paid several accounts off by settlement over the phone. I also had two garnishments of pay in 2019. Portfolio recovery calls me EVERY DAY. I have made an offer to pay XXXX dollars on several occasions to settle the debt. They have called my basically every day for the pat several months. The debt is from a credit card that has late charges on it. They refused the payment each time I offered and wanted me to make large XXXX time payment or make reoccurring automatic payments for full amount. They also threaten me with garnishment. I make XXXX a year with one minor dependent. My rent is XXXX plus utilities/trash removal and water. I pay all bills ( car payment, insurance, food, etc ) and I am only eligible for XXXX a month in food stamps. I am considered at poverty level for my household size.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XXXX 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hi, I applied for and got a American Express Gold card on XX/XX/XXXX as part of a promotional offer, that offered 60,000 reward points after an initial spending of {$4000.00} within the first 3 month and the annual fee was {$250.00}. I was expecting the annual fee to be charged to my account after one year of service, i.e after XX/XX/XXXX, as there was no indication of the schedule of this annual fee in the card member agreement that was provided to me. 
However unexpectedly the annual fee was charged to my account on XX/XX/XXXX, with in a few days of me opening the account with American Express. I contacted customer care online via web chat on XX/XX/XXXX and was told that Annual Fee is charged during the first billing cycle and that it is mentioned in the card member agreement. 
I looked in my card member agreement again and couldn't find any reference to the fee schedule ( i.e date when annual fee will be charged ) and I contacted customer care again on XX/XX/XXXX via web chat and this time, the customer care team looked in to my agreement and agreed that the annual fee schedule ( i.e the date when the would be charged ) is not mentioned in the agreement. I requested the annual fee be refunded, in the absence of clear communication in the card member agreement, as this would be a breach of trust and amount to arbitrary charges on my account. However AMEX refused to refund the fee and this complaint is now raised to resolve the issue. The card member agreement and the last chat is attached herewith. 
Apart from refunding my Annual Fee, I want AMEX to include in clear wordings the date when this charge will be charged in every card member agreement, including mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XXXX XXXX, 2020, CITIBANK NA., BEST B add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
THIS IS NOT A REQUEST FOR VALIDATION OR VERIFICATION OF DEBT. 
THIS IS ME CALLING OUT DISCOVER FINANCIAL SERVICES FOR IDENTITY THEFT. 

they collateralize MY " LOAN '' and PROPERTY to SECURE their INVESTMENTS ... WHICH ARE ACTUALL " MY '' INVESTMENTS '' ... THEY TURNED ME INTO A DEBTOR BY AND THROUGH IDENTITY THEFT TO MOVE ME OUT OF THE ROLE OF INVESTOR Im neither the consumer debtor nor consumer obligor, Im the principal/ issuer of the asset securing payment for my service and you are directed to credit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for refinance and locked with Citibank end of XXXX. I paid for appraisal, provided all documents and everything has been approved. I was told my closing would be XX/XX/17 ( 90 days ). In XXXX they changed closing date to XX/XX/XXXX. Now they have changed closing date to XX/XX/XXXX. They pulled my credit again yesterday without my permission. They still can't give me a closing date ; they hope XXXX. I have missed out on interest savings. They have mislead me the whole way.

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 2021-02-19 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: TN

Complaint narrative:
Ref earlier complaint, XXXX, Sequium Asset Solution. Have been thru the process, attempted to call them with no success. Phone for XXXX XXXX message box full, won't take new message, indicates she will call if she decides to. 

Original complaint refers to XXXX XXXX Acct # XXXX, which is NOT mine. Refers to account in XXXX XXXX, TX, in XXXX. 

I have lived in XXXX, TN, since XXXX. In fact, had a XXXX XXXX Acct, XXXX. XXXX, from XX/XX/XXXX thru XX/XX/XXXX. 

No one, XXXX, Sequium, or any one else, ever contacted me about a delinquent acct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I paid it in full asked to have a letter stating it was paid in full faxed or sent to email. They sent a bill instead of already paid debt got a bill today XX/XX/2021. The debit was paid in full on XX/XX/2021. I have called them several times asking for them to fax paid in full. They also said that they can't take it off my credit report since they haven't reported it yet through the credit report yet. Midland credit management and company and I spoke to a XXXX. This is about a XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We wrote Capital One on XX/XX/XXXX directing them to close our account and have the funds mailed to us. After not receiving a check, we called on XX/XX/XXXX and were told they didn't receive our letter. We closed the account by phone on XX/XX/XXXX and were told by XXXX that a check for {$11000.00} would be sent in 3 business days.. We never received a check. We called on XXXX and were told a check was mailed on XXXX. We called again on XXXX and were told that the check was not mailed on XXXX but rather on XXXX. We called again on XXXX and spoke with supervisor XXXX XXXX ID # XXXX ) who said check was mailed on XXXX, he would put a stop pay order on it. We called again on XXXX and were told for the first time we had to submit a notarized Affidavit of lost check. We executed it and returned it by fax the same day. We called on XXXX and spoke with XXXX XXXX ID # XXXX ) who did not see our Affidavit. We called again on XXXX and spoke with supervisor XXXX XXXX ID # XXXX ) and were told our affidavit was rec 'd on XXXX. He promised to get back to me, but didn't. He told me we could write a complaint letter to the Office of the President of Capital One. We sent a certified letter to the address he gave me on XX/XX/XXXX and never received a response ( although we rec 'd the green card back showing the letter was received ) .. We called again on XXXX and were told that they were supposed to mail us a check on XXXX but supervisor XXXX says it looks like it wasn't mailed. He promised someone would call me within 24 hours but no one did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have paid this XXXX XXXX  XXXX # XXXX, on time from XX/XX/XXXX thru XX/XX/XXXX. And then I took forbearance from XXXX thru XX/XX/XXXX. From XX/XX/XXXX as per their offer on my new Modification Trial payment, I have started paying the new payment. Now my credit is showing 150+ days late from XX/XX/XXXX and ignoring the State Law of credit reporting. I have called the mortgage  company, they are now telling me, since I did not take the forbearance anymore it will show late, and my question is the forbearance was on form XXXX thru XXXX, why the payment will now show 150+ days late. They are also INCORRECTLY SHOWING NO PAYMENTS ON XXXX, XXXX XXXX. This needs to be fixed ASAP. 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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX what I just posted on XXXX : PLEASE READ AND SHARE THIS POST : SYNCHONY BANK is a vile corporation and a predatory lender of the ugliest kind. 

Yesterday they closed every store card I had with their bank. There had been no issues with payment. And I only learned of what was unfolding when I got a notice that my credit score had taken a deep dive. I lost {$30000.00} in valuable credit that had been available to me. 

Heres my story : I dont know why the accounts were closed except SYNCHRONY had an issue with one account. They decided suddenly that all my accounts were high risk and closed them all. I dont know what the issue was. 

They informed me that I was sent a letter about the issue but I never received it. 

I dont know whether the letter they was warning me or just notifying me of the closing of my nine accounts. Customer service couldnt access the letter but I was told they would mail me another copy. ( Since the Post Office has been crippled by the previous administration, who knows when or whether I will receive the letter. ) One account that I will really miss is my LOWES card, which had a high limit of which I had never taken full advantage. However I just purchased a house and was counting on my Lowes credit to help me fix it up. 

I worry that other banks will do the same shortly. And I would like anyone who has an account with SYNCHRONY BANK to CLOSE IT NOW. Better on your credit report that you close it than the bank does. 

By the way, I have heard recently that many of my coworkers have had their credit limits drastically lowered recently. But their stories do not compare to mine. 

I intend to complain to the XXXX XXXX XXXX and the federal Consumer Financial Protection Bureau. Please do the same if you have had a similar disastrous event. 

AGAIN, PLEASE SHARE THIS POST AND ADD YOU STORY IF YOU HAVE HAD A SIMILAR CRUEL EXPERIENCE WITH SYNCHRONY or any other bank. 

P.S. If a consumer journalist happens upon this post, PLEASE INVESTIGATE. 

My email is XXXX. My cell phone number is XXXX. Thanks for your help. 

This complaint involves multiple accounts. Here are the names and numbers of the other accounts : TJX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sams Club XXXX XXXX XXXX XXXX Amazon.com Store Card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Care Credit Ends in 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 2021-02-19 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: TX

Complaint narrative:
XXXX LATE PAYMENT INCORRECT REPORTING. I opened this account in XXXX whenIi moved to XXXX XXXX XXXX # XXXX XXXX, NY. A year later I moved to XXXX XXXX XXXX, XXXX NY XXXX and the following year I moved back to the same apartment ( XXXX XXXX XXXX # XXXX XXXX NY XXXX ) during the process of moving back, the XXXX agent wrongly left the account from XXXX XXXX open instead of forwarding my account to the new address. The agent opened a new secondary account on the XXXX XXXX XXXX address leaving me with two open accounts while continuing sending bills to XXXX XXXX XXXX. XXXX NY XXXX. Late in XXXX of XXXX I discovered through my credit report that I have over {$600.00} collection account open with XXXX, despite me paying my bills. After months of investigation and escalations, finally a manager from the executive department apologized for their mistake and told me that if I pay off a balance of around {$270.00}, they would remove the account from my credit. Here is the case number that pertains to the above information, and to the removal of the verizon account. Escalation Case number : XXXX Unfortunately, after following the managers directions and paying the balance, the account is still being listed on my credit report despite my disputes and XXXX promises. Please remove this XXXX account immediately as it is causing unjustified and unreasonable damages to my credit and to my life. XXXX LATE PAYMENT INCORRECT REPORTING.

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 2021-02-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Filed numerous complaints and disputes with equifax and XXXX  also XXXX  and showed proof of inaccurate reporting on my credit with no results will attach all info

Company response to consumer: Closed with explanation