vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I had a XX/XX/2018 USAA Visa bill of {$150.00}, which was due on XX/XX/2018. I paid the XXXX bill and mailed it on time, as I have done for 22 years with USAA Visa. They failed to cash the check until XX/XX/2018. I received the next XXXX statement which includes an interest fee of {$30.00}. I disputed this fee by phone on XX/XX/2018 and was told the interest was calculated at the end of every day for my future credit purchases. That is, as I continued to use the credit card, but prior to my having the XXXX statement, I was being charged interest on credit card charges that were not yet due. USAA Visa can not explain why they failed to cash my check in a timely fashion. I believe it is extremely improper for them to bill me for interest on the charges that were not yet due. Despite their slow processing of my check for the XXXX statement, I am willing pay interest on the {$150.00}. But it is dishonest and wrong to bill interest on credit card charges that are not yet due. This practice is not only illicit ; it also fosters fraud because USAA Visa has a financial gain to not process and cash payments in a timely fashion so that they can then drive up interest fees on bills that are not yet due. Last, when I asked USAA Visa for the outside agency to report the problem, they failed to tell me I can report it to the Consumer Protection Financial Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: E. A. Uffman & Associates, Inc
State: LA

Complaint narrative:
ACCOUNT LISTED DOES NOT BELONG TO ME AND IS SHOWING ON 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 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE AND WAS DENIED DUE TO PER OCWEN MY INVESTOR DOES NOT ALLOW FOR MODIFICATIONS. MY INVESTOR IS XXXX XXXX WHICH AFTER RESEARCHING I FOUND THAT THEY DO COMPLETE MODIFICATIONS. I AM NOT SURE WHAT GAMES OCWEN IS PLAYING BUT I WILL NOT BE A VICTIM TO FINANCIAL BULLIES. I EVEN HAD TO ASK FOR HELP IN XX/XX/2010 WHICH I RECEIVED FROM MY INVESTOR THEN, SO FOR OCWEN TO STATE THAT MY INVESTOR DOESNT SUPPLY HARDSHIP ASSISTANCE IS WRONG. 

I NEED MY FILE TO BE REOPENED AND REVIEWED ACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. The agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, XX/XX/2018, created Summary judgment, dated XX/XX/2018, and created Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
the complaint is against receivable performance mgt .. Upon review talking with XXXX XXXX .. who paid all bills concerning internet and XXXX XXXX ..According to XXXX XXXX ... XXXX XXXX been paid in full and that Receivable performance is not authorized to collect any debt relating to my account..That in fact the account is paid in full ... tracking # is XXXX conf # XXXX ... ... Further XXXX   failure to protect the consumer and allow a unathorized collection from a shady company like receivable performance mgt to harm my excellent credit ... what is clear this company Receivable performance violate federal and state laws from unathorized use of my Social security #., providing false information to a credit reporting agency, I hope your agency investigate this and refer it to criminal review 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 2018-07-09 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: PNC Bank N.A.
State: GA

Complaint narrative:
Dear CFPB, These two mortgage companies reported false information on my credit reports.

PNC MORTGAGE and XXXX XXXX XXXX.

I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed PNC MORTGAGE from my report but not XXXX XXXX XXXX. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Visio Financial Services Inc.
State: GA

Complaint narrative:
I took out what should have been a short term loan until I sold the property. However, this has turned into an issue where I have been unable to pay off the loan. The company keeps adding renewal fees to the loan each year and capitalizing the amount to the loan balance. The interest rate is very high. I have tried to pay this off to no avail. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: MI

Complaint narrative:
XXXX XXXX failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX this company made repeated call before XXXX XXXX to my phone after I made several attempts for this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have a Total Rewards credit card thru XXXX XXXX. For several years I had a monthly payment to XXXX / XXXX XXXX local newspaper debited to my credit card. I have tried to cancel this paper since XX/XX/2017 by many avenues ... .left messages / message online to the CS / Messages to " contact us '' / Called directly & held on phone over 30 minutes with no one ever answering ... .just a revolving message to hold. I have disputed the monthly charges every month with my card issuer. Have messaged on the XXXX web page ... back & forth dozens of times & been told they would close card & reissue new one that the company can not debit ... .this was done twice & did not help ... ..the card issuer just transferred the debit to the new card number! Then a CS person would say changing cards does not help ... ..why do I get multiple answers from their CS dept .no one seems to know anything. The monthly charge was {$22.00} but went up to {$23.00} .... The most recent CSR said pay the full bill ( as I do each month ) less the amount I was disputing ... ..Bill showed {$260.00} .with a disputed {$23.00} amount ... so I paid {$230.00}. NOW they claim I owe the {$23.00} & also a {$22.00} ... .which was not on the last statement. Just received a message saying they have closed my account but the balance is {$45.00}!!! Said it will be reported to the 3 major credit bureaus ... ..I have excellent credit & will contact an attorney if someone can not protect my interests!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX sent funds to Bank of America 's routing number XXXX ( Receiver XXXX ) on  XX/XX/2018. Attached is the transaction information for the transfer of {$15000.00} on XX/XX/18. The trace number for the transfer is XXXX. 

My account at bank of america is closed but XXXX did not receive a rejection of funds. Pls check your suspense account to locate the funds

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 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2018 I received a fraud alert text from Citi Card of possible fraudulent activity on my card. I replied that I had not made the purchase in question. I asked them to NOT cancel my card, because the last time they did that ( they do it frequently because their system keeps getting violated and I have to keep paying for their lack of security ), it cost me HUNDREDS of dollars in penalties and fines when they failed to transfer the new information to my automatic payment accounts.

They cancelled my card anyway, which I found out when I was almost stranded when the card was declined when I attempted to purchase gasoline. I called numerous times and each time after lengthy hold times and being transferred numerous times and being routed though the  XXXX where neither of us could hear each other, I was told I would get new cards. After a wait of a few days for the cards to arrive, I tried to use the cards, but the wrong name came up AND my purchase was declined! I called Citi card and was transferred 4 times. I was connected to the XXXX department, when it was not a XXXX card. Then I was transferred to XXXX XXXX, but that was not the correct department either. After being transferred a few more times, and having to give all of my information each time, I spoke to an agent and after more than 26 minutes, she told me they would need to replace the cards yet again! She said that maybe they processed them incorrectly because the authorized user 's name was on my account instead of mine! Then the agent tried to pre authorize the purchase that I had been attempting to make and it would not go through because their system was flagging fraud, despite all of these attempts to fix that! I don't think it would be possible for Citi to make any more errors in this process. I have wasted HOURS on hold and being transferred and I am so incredibly frustrated and aggravated! It is wasting time I don't have and can not get back! I don't think they should be allowed to get away with such a low level of service and care with people 's information. Why is it that I need to have my card replaced so many times? My credit was ruined by the XXXX  XXXX XXXX 's errors many years ago and now I am going through a similar situation with Citi 's incompetence and this scares me.

The final agent was helpful. I am angry that Citi has such bad service in general, but " XXXX at the Kentucky call center '' tried to help as much as she could.She has been the only agent I have dealt with at Citi in a long time that seemed competent.

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 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
To whom it may concern, This debt was on my credit report in the past under another debt company " XXXX XXXX '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXXransworld systems Inc. and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXs failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXXs failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXXs failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to XXXX for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXXs failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata,  under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or  judgments of any kind in this matter having herein been already decided.

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 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CORELOGIC INC
State: CA

Complaint narrative:
I have an account with Credco to pull potential clients credit reports. I have a minimum payment of {$25.00} that I have to make every month in order to maintain this account. 

Credco billing department erroneously has not applied one of my minimum monthly payments, and as a result, it keeps sending me erroneous bills for {$25.00} that I do not owe. I have sent Credco billing department explanation and a copy of my online banking payments, which shows all payments have been paid from XX/XX/XXXX until XX/XX/XXXX. 

However, Credco billing department refuses to admit their billing errors and instead they are forcing me to cancel my account so they can credit me for that erroneous {$25.00} charge, which has already been paid to them. 

I have attached a copy of my online banking transactions, which clearly shows all payments have been paid to Credco. 

In my opinion, Credco is acting in a bad faith by sending me erroneous bill for something that has already been paid to them. They also refuse to correct their error and in the meantime they are threatening my credit rating and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I just paid off a $ XXXX student loan over the phone. I asked to pay extra money to cover the interest while the payment was processing so that I could ensure that the account was completely paid off, but the Navient representative said I didn't need to do that. The account continued to gain interest while the payment was processing, so I called Navient back and they said the interest charges would drop off in a couple of weeks. Months went by and the charges never dropped off, and the interest continued to compound, so I finally just paid it off because I haven't been able to reach a resolution with them. I feel that this is a bad business practice and that I should not have owed them anymore money after the original payment I made and the conversation I had with the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: MT

Complaint narrative:
It's closing on the property that the reverse mortgage company holds the paper on : They have the original stock certificate, and no one seems to know where it is... XXXX ( formerly known as XXXX XXXX ) claims the fault is with their attorney, XXXX XXXX ; their attorney 's office claims it's XXXX XXXX 's fault. ( I've been dealing with the attorney 's paralegals ; calls/efforts made to get to the bottom of things have not been returned with information I'm seeking/our lawyer is seeking. ) The original stock certificate was ordered on XX/XX/XXXX ; the timing in which it's supposed to be " delivered '' to the attorney 's office is one to three weeks. Now, we're going on four. They get no more time. I have no reason to be patient when it's obvious that one one is doing their job ( plus, as I understand it, XXXX  's attorney gets paid by my Mom ; XXXX XXXX passes their attorney 's fees on to the owner ). No one is doing their job ; the incompetency level is unacceptable. This morning, I left a very stern message and request with " XXXX '' ( the paralegal ) at the attorney 's office, requesting a returned phone call from the lawyer/and answers ; nothing/no returned phone call/response. I left a stern message on XXXX 's manager 's machine ( XXXX ) ( I could not reach her ) ; again, no response ; nothing. The buyer for the property has her mortgage approved, the buyer and seller are ready to close ( XXXX/their lawyer knows this ) ; the buyer 's attorney and our attorney want to set a closing date ; I've gotten several phone calls from our lawyer that he's getting the run-around ; again, totally unacceptable ( the seller : my XXXX-year-old Mom ; I have full power of attorney ; I'm her daughter ). 

I have made efforts to keep things moving along smoothly since XXXX ( my original contact at the lawyer 's office, a paralegal, is XXXX ) ; I also made efforts to do the same with XXXX ( f/k/a XXXX XXXX ). My cell phone records will prove the numerous phone calls/efforts made. It never should have gotten to this, where I have to file a formal complaint. They're unprofessional and their incompetency is completely unacceptable. And, as you know, in the end, they all get paid...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automatic Data Processing, Inc.
State: AZ

Complaint narrative:
ADP is seeking to garnish my wages! They are informed that the court date to clear false and disputed debt is scheduled for XX/XX/XXXX at tha XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX. ADP XXXX XXXX XXXX XXXX, XXXX XXXX I have requested a release order from XXXX XXXXPA who keeps changing their name to create confusion.

Company response to consumer: Closed with explanation