vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Someone opened an account with USAA and took out a loan in my name or with my name co-signed. I have no knowledge of this account. I have attempted to resolve the issue multiple times with USAA. I have sent the FTC Identity theft report to the USAA mailing address, only to have the letter returned, saying not deliverable as addressed. The address is listed online as follows : Contact USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX By Mail Only. 

I called USAA once more on XX/XX/21 and spoke with XXXX, employee # XXXX. I was told to hold and then someone hung up, dropping the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WELLS FARGO HM MORTGAG Account Number : XXXX This is not mine.

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 2021-07-19 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I sent Wells Fargo a letter to dispute /validate an account that is being reported on my report on XXXX XXXX. I have not received any response, validating this account. This account was a secured account, which they had the money in an account " secured '' for any balances not paid. I am concerned as to how they claim I still owe them any money. 
I've attached documentation showing the letter that was sent to them as well as a copy of the credit report that I recently pulled.

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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XX/XX/2021, I got a letter from Fraud investigation department : we are writing to inform you that we completed the investigation on your Macys American Express card account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 
But until today they keep sending to me the debt up to {$1000.00} I did call them, they said they dont know about any letter that I told them, on XXXX and XXXX XXXX they investigated again, and I have to pay the balance I sent them that letter, but nobody take care my case, I call them more than 20 times, everytime it took me 3 hours for them to transfer my phone calls around departments, one day a man told me : he will clear my debt, but now the debt still there I did talk to a lot of people when I called in, finally no one help me out Today, one man told me, the letter I have, it s long time ago, no value, I have to pay the debt, Im so stressed

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 2021-07-19 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: FL

Complaint narrative:
Equifax continues to report a derogatory account from XXXX XXXX on my credit report even though the account has been paid and closed a year ago, I have sent them certified letters and have called them and yet it continues to be reported as delinquent which is hurting my ability at my job and receiving credit. XXXX  and XXXX  has already reported the account as paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
After reviewing my credit report, I contacted Debt Recovery Solutions on XX/XX/21 at XXXX XXXX XXXX XXXX to ask for more information regarding the negative reporting by them on my credit report. 
I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 
Description of the information on credit report : Account is in collection and has a {$310.00} open balance. Account was opened on XX/XX/21 ( 4 months ). No name of the original creditor. 
I have checked my records and found that I have not open " ANY '' account on XX/XX/21 including the above mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recorvery Associates unlawfully accessed my credit report, specifically XXXX on XX/XX/2021 without consent and without contractual authority or lawful purpose in direct violation of 15 USC 1681b. 

Portfolio Recovery Associates has continuously and repeatedly attempted contact via the phone at inconveneint times in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ) and has withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which now constitutes harrassing and abusive communication. 

Portfolio Recovery Associates has continuously reported information affecting my personal and financial reputation and health, specifically ( 3 ) separate, alleged credit card debt ( s ) without a contractual agreement with consumer in direct violation of Federal Rule 1002 and 15 USC 1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I set up automatic payments on XXXX and the payment was not allocated as promised. I got a late payment, which was not my fault, because their payment product failed. It was a known issue at the time, but they never fixed it.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ASTA FUNDING INC.
State: NC

Complaint narrative:
I am being called by this debt collection company multiple times a day, every day of the week, and early in the morning/late at night. The calls are automated and a partial voicemail is left each time. I do not have any outstanding debt that I have failed to pay. The call is listed as Robo Caller by my cell phone company. I want this company to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CA

Complaint narrative:
XXXX  LIstings charged my card 3 times for {$450.00}. I cancelled with XXXX, they said they were in contact with CITIBANK to take the charges off my card. 
CITIBANK has put the charges back on and said I was responsible.

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 2021-07-19 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: IL

Complaint narrative:
I submitted documents about an account on my consumer report and this is my second attempt to get Experian to remove this account off my consumer 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 2021-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank offered a forebearance program during the pandemic. They told us after the pandemic we would be able to tack the payments onto the loan or modify the loan. Now they have told us they can not modify the loan due to our credit. They told us we are no longer protected from foreclosure. We have sent an appeal letter and notified the VA.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
The call came at XXXX XX/XX/2021. Caller ID : Toll Free Call XXXX I was already on another call and when I answered the call, the lady asked to speak to someone I don't know. I told the lady the she has the wrong phone number and to stop calling my phone number looking for the person.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
i disputed this account because it was a fraud account i never had a car or purchased a car with SANTANDER CONSUMER USA they are sending me letter harnessing with phone calls and sending letter i was in college my purse was stolen i have never has account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: PCR Group
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX fraudulently reported a collections claim of {$3600.00} to my credit. Their collection team, ACCOUNT ADJUSTMENT BUREA, contacted my ex and myself a month ago, threatening legal action and I explained that the case was closed on their behalf. They asked what my source was and I told them it was https : //public.courts.in.gov/mycase. When I read the case to her over the phone and mentioned dismissed with no prejudice and {$0.00} balance, she proceeded to hang up. Then today I saw it hit my credit report and I called the same number back, same lady answered, and told me that since you refused to provide proof, I pursued further action. I asked if I could get her name and she refused. She placed me on hold to contact corporate and hung up. She called right back and I asked why shed moved forward, knowing it was closed on their behalf, and she hung up again. I suffer with anxiety and cognitive disorders and this is too much. My ex was about to buy a house and now her credit is negatively impacted. My credit has grown the last two years and is also now effected. This is causing a lot of problems and hitting us both during a very tough time. Id surmise this is very illegal, given my source is a public government website. I would like to know what to do and how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Once again I'm sending a complaint in for XXXX  XXXX XXXX about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by XXXX  XXXX XXXX to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by XXXX  XXXX XXXX. Please remove all Great Lakes account from consumer credit report information. According to FDPCA, XXXX  XXXX XXXX violated 15 U.S.C 1692 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
My XXXX XXXX XXXX was determined to be a total loss on XX/XX/XXXX. Ive made several calls to Hyundai Finance asking questions about the total loss process with issues at each step. Including several requests to show me what they use to determine what balance is owed to make it even or refund/GAP insurance uses and these requests always were ignored including my email on XX/XX/XXXX and XX/XX/XXXX to the email address XXXX. 
Ive been told Im not allowed to speak to this department and customer service cant answer questions, they can only send an email and then it is up to me to follow with the customer service department to see if the total loss department responded. They dont respond then either. 
I was initially advised my refund check would be {$1400.00} on XX/XX/XXXX by customer service. I then called back on XX/XX/XXXX to check the status and was advised the payment was now {$970.00} because a deductible was applied and that shed never seen this so would submit an email to them to ask about this. I followed up on XX/XX/XXXX and was told they had no answers for me, that a deductible is applied for the GAP insurance whether its used or not and they couldnt tell me more. I asked for documentation that showed they had this right because in my contract documents it didnt have this language. I was on this call for 40 minutes when the supervisor disconnected the call and did not call me back. I sat on hold for an additional 15 minutes to speak a new representative who offered to help but after all the time I had wasted, I requested that the initial supervisor and/or her supervisor contact me back and was told hed submit the request and it should be completed within 24-48 hours. I never received a call, email or letter from anyone. I called today, XX/XX/XXXX and they advised the check was finally sent to me on XX/XX/XXXX - XXXX weeks later but still for the {$970.00}. The supervisor ( XXXX XXXX ) stated all he could do was send an email requesting the total loss department send me documents about this deductible but he didnt think they would, a request was already sent from my last call that they never responded to and that that was all he could do. He could not hold that department accountable, escalate the situation or even let me speak to his supervisor. If the GAP coverage wasnt used, I do not understand how they can apply a deductible to the refund issued. Separately that they have ignored consumer requests for documents to confirm this seems like bad business practices and failure to comply to consumer rights.

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 2021-07-19 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I have contacted XXXX over the telephone regarding a collection that credit collections is reporting. XXXX and credit collections do not respond to the letter I have sent them. 

I am not disputing an amount owed, because the account shows paid, however this should have never been sent to collections * please see attached letter to XXXX *

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union reports address as XXXX XXXX XXXX XXXX XXXX CA XXXX. That address does not exist. We own the house at XXXX XXXX XXXX XXXX XXXX CA XXXX for 20 years. Trans Union refused to correct their typo. Reference file # XXXX XXXX XXXX XXXX. 
Thank you. XXXX 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 2021-07-19 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: BANNER CORPORATION
State: ID

Complaint narrative:
The documentation is self explanatory. I do not have regular internet access. Therefore, this complaint along with any correspondence relating to it must be mailed. Here is my info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX and the complaint is against Banner Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Short synopsis of complaint : This complaint relates to the bank charging for paper statements on my checking account. Federal Law requires financial institutions provide paper statements. I formally sent Banner a letter on XX/XX/2021 requesting them they sent paper statements. I did not get a response from the bank, instead I got another paper statement fee on the XX/XX/2021 statement. I had multiple contacts via email with the local branch vice-president who did not explain why a fee was being charged but invited me to find another bank. I told the gentleman that not all banks charge for paper statements and its not only a violation of consumer rights but anti-competitive for Banner to charge a fee. I made it very clear that I need paper statements because I do not have regular internet access. I have attached both Idaho Code and US Code that state this fee for paper statements can not be legally enforced. 

Sincerely, XXXX 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 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
I'm making payments every month and there sending me payment balance that I'm behind when I'm not it's been hard with this covid 19 to make payments but I have been doing it and its getting frustrating and also the balance of the loan doesn't even move like the last 3 months it says XXXX and also sending me delinquent letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is a continuation of the problem I already reported. Following my complaint to you of XX/XX/21, I got a form letter from Citi basically saying " We appreciate your feedback. '' They gave me a number to call, and it was just their normal automated answering service where eventually you get transferred to a person who transfers you to another person. I explained my problem : My husband died and I was told I had to apply for a new card with just my name on it. I got denied because I applied for two credit cards ( for the same reason ) on the same day. I got denied a second time because the agent accidentally registered my application twice, and was told I had to wait 60 days to apply again. In the meantime they cancelled my joint credit card because my husband was dead, and now I can't go to Costco  for 2 months, or get 4 percent off gas because I no longer have a card. 
The representative said she would transfer me to her supervisor, but instead I got transferred to the number to apply for a new card. So I again applied for a new card ( thinking the supervisor had possibly approved it ) and after the long application process, I got turned down again. Citi Bank Credit Cards are terrible deal with. Unfortunately they have a contract with Costco so they know they can be as mean as possible and you have to deal with them if you like Costco.

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