vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/20 I used my kohls charge card to buy XXXX gifts for my son who is only home until XX/XX/20 for XXXX as he plays out of state hockey in Pennsylvania. On XX/XX/20 the label was created at XXXX and tracking number was supplied for XXXX ( attached is the order number tracking number ) and the last photo is of the label creation on XX/XX/20. Today is XX/XX/20 and this order has not moved at all. Hence I have contacted Kohls 6 times snd only told wAit wait wait.. nothing we can do. XX/XX/20 XXXX MT I called again only to be told a supervisor would call me back which of course never happened. So far I gave talked to two women, XXXX XXXX, XXXX, XXXX, and another man yesterday on XX/XX/XXXX. My order will NOT be here by date promised XX/XX/20. Its terrible Ive talked to so many people including supervisors and nobody cares nobody is doing anything to get this label moving through the shipping system. I spent {$55.00} plus shipping and handling to not be able to hive my son his gifts before he leaves!!!! Ive talked to many many people and when I called and told them Im wanting to talk to corporate offices of kohls thats when I was told Supervsor will call me back and of course did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I obtained several Digital Prepaid Visa cards [ XXXX XXXX XXXX ] through the XXXX rewards program, and all of the cards would be applied to my digital wallet via their website where I can view the cards and balances and transactions. I currently have six cards active and have been using and viewing the cards balances online. Recently I used one of the cards to a XXXX XXXX  application for XXXX. After I entered the information and XXXX accepted it. I went to log into my XXXX  account again to check my balance and was surprised to find that the card disappeared from the list of prepaid cards. If I did not specifically look for that particular card I would not have noticed it disappeared from the relatively large list of cards that I have. I am currently contacting the company regarding this but no one is picking up the phone currently. But this is a huge breach of trust a financial company can inflict upon a customer, to remove a card without any notification or clue or email, so that the customer will not notice and take action because it is not listed in their account anymore and easily unnoticed from the list of cards they currently have. Such a company can profit out of this because they will obtain all the funds on the card once it has expired in 6 months all without the customers knowledge. Such a practice must be reported and brought out to light or financial companies will take advantage of customers trust through practices such as this in which customers have no control over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
As far back as XX/XX/2020, USAA Federal Savings bank has been sending out notices about upgrading their security procedures on their website usaa.com. what they failed to mention is that they experienced a major data breach and have yet to acknowledge the incident. Countless USAA members have taken to complaining on online forums about USAA 's cavalier attitude about this breach. Many, like myself, have experienced surprise and unauthorized charges on my USAA Visa card and unauthorized running of my credit report for an unauthorized consumer loan without my consent. Subsequently, after getting the run-a-round from the representatives on the phone, I closed my credit card account due to their inability to properly secure their website API ( application programmable interface ) from the very beginning. Every time I called and asked how these unauthorized charges occurred, the representative would simply state that my credit card was probably skimmed at a reader. When I inquired further, another rep. would say that the unauthorized charge was used via a mobile app. 
USAA 's explanation for these unauthorized charges did not make any sense. I could accept this useless excuse if it was just me but how could over 50 other USAA members suffer the same breaches on their accounts. Does that make sense? 
Like many older Americans, I don't use any apps and probably never will. USAA knows that I don't use their new app so how could they allow my credit card to be used through a mobile app that is not mine. As recent as XX/XX/2020 USAA shows attempted unauthorized charges on my CLOSED USAA Visa credit card. Again they refuse to acknowledge a breach in their credit database. This is unfair to the thousands of members which, rightfully so, are dwindling since the onset of this data breach. 
Another recent and troubling breach was an unauthorized running of my credit report by USAA for an unauthorized personal loan last week for which they issued a Credit Inquiry Removal Process letter. The letter is dated XX/XX/2020 and states that they have reported the error to the credit reporting agencies and can take up to 45 days to be updated on my consumer report. Is this fair? How long is USAA going to be allowed to continue this FRAUD. 
If I did not implement a credit freeze last year I would have been ruined like many other USAA members that were never notified of a data breach. 
It is public knowledge that the Consumer Financial Protection Bureau has fined USAA Federal Savings Bank millions of dollars recently for other credit related issues. Perhaps it is time to investigate USAA again and penalize them severely for irreparably damaging consumers credit history and ultimately their lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY

Complaint narrative:
I currently have 4 student loans with the New Jersey Higher Education Student Assistance Authority. My monthly bill is due on the XXXX of each month. I have made my monthly payment on each loan consistently since I began repayment of this loan in XXXX. I have not missed a payment. Due to a change in expenses, I was able to make an additional payment of {$400.00} on XX/XX/XXXX. I then paid my bill that was due on XX/XX/XXXX on XX/XX/XXXX. I noticed that the interest that accumulated between my XX/XX/XXXX bill and my XX/XX/XXXX bill increased, even though I made two payments within that time period. In fact, the amount of interest that accumulated was even more than when I make 1 single payment between each bill cycle. In general, my interest fluctuates each month, which is strange, because my interest rates are fixed. I called customer service on XX/XX/XXXX to inquire about two items : 1 ) the continuing fluctuation in interest charged per month even though my interest rates are fixed and 2 ) an explanation behind why the interest that accumulated between my XX/XX/XXXX bill cycle and my XX/XX/XXXX bill cycle was higher than any other bill cycle, even though I made an additional payment of {$400.00}. The customer service representative admitted that she did not understand why my loan payments were calculated the way they are and why so much interest had accumulated between the XX/XX/XXXX bill cycle and the XX/XX/XXXX bill cycle. She explained that " no one really understands '' how the bills are calculated in that department and could only offer that I refinance my loans. I explained that I understand I can refinance, but I still would like an explanation on my questions. She continued to urge me to refinance until I asked to speak with a supervisor for further assistance while I explore the refinancing option. She took down my information and said her supervisor will have to call me back since they are mostly remote due to the COVID pandemic. I understood and explained I will be waiting for a call. It is now XX/XX/XXXX and no one from HESAA has contacted me to address my questions. I believe my payments are not being handled properly and the agency has admittedly explained that they are unable to answer my questions about how my payments are being applied. I would like an audit on my account and an explanation on how my payments are being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: IN

Complaint narrative:
Airline tickets were purchased using Citi travel rewards points onXX/XX/2020. These tickets were cancelled by Citi on XX/XX/20. We contacted Customer Service on XXXX to inquire where our refund check was. We spoke to XXXX and then to XXXX who said an escalation ticket would be sent through so that a refund check would be sent to our home address. 
On XX/XX/XXXX we spoke to XXXX who claimed to be a supervisor. He stated he could see in the system that a refund check was requested onXX/XX/XXXX.He could see that the refund from the airlines was received at Citi in XXXX. He said the refund check was in-queue to be sent XX/XX/XXXX and that it would be 4 to 6 weeks before we receive check. We confirmed our address. On XX/XX/XXXX we spoke to XXXX who could see all previous notes. He stated he would put through a second escalation ticket. He said he would contact his personal supervisor XXXX and call back on XX/XX/XXXX. We confirmed phone number. We have yet to hear from XXXX or XXXX. On 1XX/XX/XXXX we spoke to XXXX also an alleged supervisor. She allegedly contacted the Accounting department to request a check. She stated she would contact us in 24 to 48 hours. We have yet to hear from XXXX and we have no refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: AZ

Complaint narrative:
My account was paid in full as of XX/XX/2015 to XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from XXXX XXXX XXXX that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every 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 non-monetary relief
Consumer complaint received 2020-12-20 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: AZ

Complaint narrative:
My account was paid in full as of XX/XX/2015 to XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from XXXX XXXX XXXX that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every 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 non-monetary relief
Consumer complaint received 2020-12-20 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: AZ

Complaint narrative:
My account was paid in full as of XX/XX/2015 to XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from XXXX XXXX XXXX that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every 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 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I originally disputed this collections from Enhanced Recovery and they were removed. I disputed the addresses, my name, my social security number and the dates. Enhanced Recovery removed them then put them back. Then they sent me a paper that they removed them but wanted additional information but also said it was not necessary and it wasn't an attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
I have been receiving calls on a daily/multiple times a day basis since XX/XX/XXXX. The number that's calling me is XXXX. 
Call log - all times are central XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The calls are recorded, and in Spanish. The only way I found out the nature of the calls was a reverse lookup using an internet search.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent in letters asking each credit company, to send me a copy of proof where they got there information to verify accounts on my report. I have sent letters to them from XXXX and also the bankruptcy court, that clearly states that they did not report anything to the credit reports. They keep on sending my reports stating that they have verify this information as accurate, However, I have asked over and over again for them to send me a copy of who verified this information which they will not. I have sent them 3 different letters and no one will send me this information. I have also sent letters to them about Student loans that report different on all my reports and I have asked them to remove this also. Next, I noticed that they will not update the late payments that they claim were late, but in the slots allotted it only reports for one month. Which by law they have to report it every month and they have not. They can't just update this, it has to be removed and the late payments must be taking off. I would like proof that all this has been done. Also they are reporting a XXXX account that states on 2 reports paid closed, and on XXXX  account open. Which needs to be removed also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking my credit then I noticed someone used my information without my consent to call about XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX  on the date of XX/XX/2019 XXXX on the date XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX  /XXXX on the date of XX/XX/2019 I need these items listed removed off my report its making me look bad as Im tryng to advanced in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Checking my credit then I noticed someone used my information without my consent to call about XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX  on the date of XX/XX/2019 XXXX on the date XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX  on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX  /XXXX  on the date of XX/XX/2019 I need these items listed removed off my report its making me look bad as Im tryng to advanced in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: NC

Complaint narrative:
I utilize XXXX  to stay updated with my credit score. Recently two reports have been listed in my XXXX  and transunion reports, the reports are from " medical bills ''. One dates back to XX/XX/XXXX and I was unaware of the bill until it became a " collections '' derogatory mark in my credit report XX/XX/XXXX. The other I have reported and requested removed. I've requested for information ( statements / proof of bills from these collection agencies ) from both XXXX  and transunion, which have not been provided. These companies continue to display negative information without " proof '', that is false. Wouldn't this be considered a " hipaa violation '' if my medical bills, or an itemized statement has been submitted to them without my consent for review? These two agencies have ignored my request to remove derogatory false information from my credit report. XXXX has also displayed a medical bill as negative but it was paid. The account was satisfied and paid without going to collections but its still showing in my report, how is this even legal. I have to constantly submit disputes and my disputes are always denied and the information is found to be correct? how can they determine this without proof? I pay all of my bills on time, with the exception of one late payment and it was in XXXX!. The same goes for a report with XXXX XXXX ( my car loan ) they have what's called " skip a payment '' ( due to the pandemic ) these agencies listed I have not followed the payment agreement but also state I pay on time they have the same information on some of my credit cards because I make multiple payments prior to the payment due date. This information is false and inaccurate it hurts my credit, and I pay all of my bills on time. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I called over the phone to speak to a rep with Experian to do a dispute about errors on my credit report. First I had unauthorized inquiries that the Experian agent would not dispute which said was too many and I would get an email in 48 hours to submit the disputes and the disputes that I was able to due over the phone came back the next day, first of all, it can take up to 30 days to dispute. I don't believe a real investigation was done and I lied to by the rep that the inquiries are not hard to pull because I told the rep I was denied credit she was incorrect and also I was lied to about that I would receive an email to dispute my inquiries. Experian has been very difficult to dispute you cant even dispute online because the site is always down so I am filing a complaint to have them either submit the email to be so that I can dispute as they stated or reinvestigate the disputes I did put in and I have also called the companies of the unauthorized inquiries and was stated no record was pulled from my file. So now I ma in the process of writing letters to have the errors remove as it is my right to do this but Experian is not representative of the FRCA

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