vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Marketed & advertised ON LINE Easy set up ADA ACCESSIBLE NOT TRUE. USAA requires ( 2 ) two on line set ups to have FULL ACCESS. Disabled for years I have tried to gain access to USAA ON LINE BANKING ONLY Website was installed was told to get or send messages you need a mobile app from play store. Once that installed back and forth hand movements my XXXX XXXX can not do were WAY TOO PAINFUL. A message box secure email area is only in the mobile app when I try over and over to gain FULL ACCESS. I have tried over and over to send my documents and messages TO NO AVAIL. I make my only contact through CFPB because they do give me access by phone and USER FRIENDLY One website setup. They do Not require two set ups as USAA DOES. New USAA policy now is required TEXTS Emails two authorizations verificatons my hands can not do. In addition to numerous numerous hand movements In out UP DOWN two apps text codes ALL NOT USER FRIENDLY OR ADA ACCESSIBLE USAA IS ON LINE BANKING ONLY FOR this 35 year member. USAA POLICY has changed WITHOUT NOTICE TO ME since I first set up. I have NEVER IN 35 YEARS BEEN ABLE TO SET UP ACCESS ON LINE. When fraud happened I was NOT ADVISED ON PHONE POLICY OR GIVEN OPTIONS TO SEND DOCUMENTS THEY REQUIRED FOR FRAUD ID THEFT AND WITH NO ACCESS THIS WAS ALL I HAD. Then USAA blocked my phone access by blocking a PIN number it took me 3 years to set up when I informed a rep I could not go on line. This done for my protection per USAA. Once set up then USAA required more hand movements to make a temporary password permanet in TWO SITES. Verification codes, web set up and also mobile app set up is IMPOSSIBLE. One Sunday XXXX I had 125 texts to No avail. XXXX alerted me this was a security risk. Calls never lead to right department. MANY MANY Hours painfully holding phone for USAA is hazerdous to my health. USAA OFFERS NO SPECIAL NEEDS OPTION or USER FRIENDLY assistance set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
On my credit report it states I was living at a property before I was born. It has the dates I lived at this property wrong and have also attached a person I have know knowledge of an attached this time to the address I have previously lived at but at the wrong date as I previously stated 3 years before I was born.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: TN

Complaint narrative:
Ive loaded {$100.00} on my Cash App Account and was Just Told Me Account Has Been Closed But I Was Told From XXXX  That The Funds Were Loaded Onto My Card Ending In XXXX. This happened on XX/XX/2020 Ive Been Trying To Reach Cash App Support But They Keep Telling Me My Account Is Closed I Just Need Help Retreving Those Funds .The authorities has been contacted due to the scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 Phone contact USAA Automated System Responds to my TV rerouting me to who knows where. And I am Not provided Access on Line. I eventually spoke with XXXX Requesting XXXX  XXXX payment info be removed from my profile as I would not be making payments anymore on this IDTheft. A PAYMENT UNAUTHORIZED BY ME WAS MADE. USAA claims I did it though voicemail. Anyone can contact voicemail as it DOES NOT HAVE ANY SECURITY SET UP. This overdrafted my social security for the next 3 MONTHS leaving me with overdraft fees. I HAVE NEVER HAD OVERDRAFT IN XXXX  YEARS. If ANYONE NOT SECURE CAN CALL VOICE LINE AND MAKE A PAYMENT UNAUTHORIZED BY ME I CALL SERIOUS FOUL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I already submitted similar complain 3 times. 
Issue was not resolved

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 2020-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I attempted to purchase a used vehicle from XXXX XXXX of XXXX Maryland,,, the bank Westlake financial serviced the loan to the dealer however the contract was canceled and the dealer issued me a letter signed and dated that I wouldnt be responsible for any future payments or be sued for the vehicle releasing me from the vehicle,, however Westlake the financial company has not received the check that was issued to the dealership so every month that the dealership does not send it back the financial company marks a late payment on My credit report,,, the car was returned with keys and temp tags,,, I have called and left numerous messages to dealership however I have gotten no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank has XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, attempting to collect on an account that has been paid in full. I have contacted Synchrony Bank and requested a signed copy of the original contract. Synchrony Bank sent me a letter providing proof they can not produce a copy of the contract ( attached ). Synchrony Bank was suppose to be charging me 0 % interest on Lowes purchases because its a Lowes Credit Card and Lowes advertises 0 % interest on the purchases made. I have been overcharged thousands of dollars on interest charges by paid to Synchrony Bank. I have also requested transaction receipts with signatures and both Lowes and Synchrony bank can not provide with proof in writing. I paid the account in full but Synchrony Bank is still attempting to collect. Synchrony Bank is damaging my credit report with inaccurate negative information on an account that was never late and paid in full. Synchrony Bank also has forced me to hire an attorney to defend me against frivolous claims I owe them money. Synchrony Bank even without the contract and sales slips refuses to stop attempting to collect and creating unnecessary stress and expense for attorney fees from 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 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: TN

Complaint narrative:
In or around XXXX or XX/XX/XXXX I purchased a plane ticket through XXXX. I was discharged from the Military before I could fully pay it back. Fast forward to XX/XX/XXXX and my son 's mother received a call from someone trying to collect a debt that they SAY I've defaulted on yet I've never been served with any documents or anything. I was in the Military station in XXXX, XXXX  at the the time which was clear because I had to post it on the paperwork. They told me via phone this XXXX that they " tried to serve me at the XXXX  address I had on file '' knowing that wasn't my physical residence not to mention it's CHARGED OFF on my credit report. Now im being threatened with 35 % wage garnishment if I don't come up with over {$5000.00} bucks for a ONE WAY TICKET from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
This is an UNKNOWN account. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. 

I have contacted your company many times but you have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Account Number : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased the down payment of my XXXX XXXX XXXX phone with my Wellsfargo Platinum Debit card to start my wireless plan with XXXX ( 1XX/XX/20 ). Unfortunately, on the 27th day of use ( XX/XX/20 ) the screen cracked. I went to go two physical XXXX stores to see if I can have it replaced since they informed me that I had 30 days to replace the phone if there was anything wrong with it but they would not accept it. Then, I called XXXX to see if the phone comes with a manufacturer warranty but they voided my warranty by claiming that my cracked screen was an " accidental cause. '' So instead they referred me to one of their partners to fix the phone at a " discounted price. '' The discount isn't much of a difference. It is only about a $ 4- {$5.00} dollar difference. Then I checked the terms and conditionals online for a Visa Platinum debit card since that is supposedly what my card is and what is advertised on the Wells Fargo website including on the front of my card. According to Visa, a platinum debit card has purchase protection and my phone would apply. So I contacted Visa and they checked card number. VIsa informed me that my card does not come with purchase protection. They even checked years prior to see if it is something that Wellsfargo cards used to have but had it previously removed without informing their customers. It never had purchase protection, although the card and website advertises as a platinum debit. Then, I had Visa check another Visa that I have with a different bank and that one does have purchase protection. Then I called Wells Fargo to explain my issue with their false advertisement. They didn't really know what to do so they put in a ticket to investigate and contact XXXX to see if they can give me my money back. However, I only have until XX/XX/20 to fix this issue so that I can replace my phone. I don't trust this product anymore since it cracked so easily with just one drop.

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 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Since the loan originated, automatic checks have been being sent by my personal bank to the mort gage. Successful payments have been being made since origination for 63 months. Since the last 4 months, checks have but being cashed, but are still being sent. Late fees are being collected, sent additional checks, to which are also not being cashed. Tried to call and resolve, and make payment s by phone, was told by associate they needed to tell me that I'm past due, and they wanted to figur e out how, and was proceeded to be told it was my fault and the banks checks are being lost in the mail. Only to not be able to make payments

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 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am trying to close my account and I have an available balance that also reflects a direct deposit from my Employer when the bank already informed me that they were going to close the account and send me a physical check in the mail that could take up to 30 days. I was in agreement with this, then when they accepted an incoming wire deposit which increased my available balance I have requested numerous times to close this account and have my money sent to me. The bank now ignores my support email requests and they have locked anyway for me to get the money out, yet they allow me to continue to have access to online banking and ability to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Incorrect account in collections. Date Experian was notified : XX/XX/XXXX. Date Experian allegedly validated debt XX/XX/XXXX. Submitted re investigation request XX/XX/XXXX. Experian claims valid debt XX/XX/XXXX. On XX/XX/XXXX I investigated the matter myself by speaking with the company in which I had the supposed debt with. Company unable to validate debt. Experian violates the provisions under the FDCPA and FCRA.

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 2020-02-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I paid my XXXX XXXX balance as I always do pay my credit cards on time. I used a company check from XXXX and my accountant said I needed to start using my personal account to pay my credit cards. I called XXXX XXXX in XXXX XXXX and cancelled the ACH. I then tried to make a payment with my XXXX checking account. I didnt have XXXX signed up so XXXX  XXXX informed me that they would send two small deposits and I would verify them and then I could make my payment. 2 days later I paid my balance with my personal ACH. XXXX  XXXX XXXX  did not cancel my XXXX ACH and also cashed my XXXX ACH each ACH was credited to my account about XXXX I believe. I only had a XXXX dollar limit. I asked them why they didnt cancel my first XXXX payment and why they would double my payment and they had no reasonable explanation. I then contacted XXXX and cancelled the second ACH because XXXX looks after Veterans. XXXX  XXXX the cancelled my Account and blocked me out of the Online account. I made my payments on time with XXXX XXXX for about 2 years. Never late! XXXX XXXX reported a charge off in XXXX after I made my XXXX payment. Then after disputing with Experian they removed it and now it keeps returning and Experian will not reopen this dispute. I will download all the documents. This has cost me major problems with my other credit Bank XXXX XXXX. I applied for an Auto loan through navigator the XXXX XXXX XXXX XXXX  platform and was approved for XXXX and then my score dropped 80 points again because of this same problems. I have never been late in any credit card or loan ever and I still suffer for Experians bad attention to the facts.

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 2020-02-20 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 — Investigation took more than 30 days
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
There's a negative listing on my credit report for {$1800.00}, which I disputed and it was listed as verified without providing me a copy of a contract signed or any supporting documents. This account is not mine and should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander Bank acknowledged wrongdoings on the accounting of my mortgage account due to recent complaint made in XX/XX/2019. They agreed that it was an error and their accounting of fees and I would not be subject to paying any additional amounts. However, they have billed me and demanded that I pay late fees totaling {$130.00}. Their on line payment option would not only tendered payments without accounting for this additional expense. I am not sure why they continue to defraud and deceive me but they assured me in writing and by telephone that I didnt owe any additional charges and to redeem only the monthly mortgage payment amount. I modified this loan to avoid foreclosure back in XX/XX/2019 and completed this process to include notarizing new loan terms and have attempted to comply either contract terms despite them delaying the process and filing the new contract with my local clerks office and accepting tendered payments. 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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The following payments were never recieved. I am the policy holder and owner. 


Claim # XXXX {$2000.00} Claim # XXXX {$3400.00} Claim # XXXX {$14000.00} Compensation Damages should be awarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX  hits me with Overdraft fees, eventhough I have sufficient funds in my account. 
They show a transfer a funds from my Savings to cover pending transactions. But then money is in my checking. XXXX is fraudulently hitting me me with Overdraft fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Around XX/XX/XXXX I received an email from my Citi/Sears Mastercard for an offer of no interest for 18 months AND a 5 % statement credit for a single purchase of {$540.00} or more made outside of Sears with  an expiration of XX/XX/XXXX. On XX/XX/XXXX, I made a single purchase of {$700.00} of home heating oil thus fulfilling the offers requirements. When I received the Citi CC bill in late XXXX, they had split the charge into two amounts of {$260.00} and {$430.00}, thus making me ineligible for the offer. My first call to Citi on XX/XX/XXXX resulted in my being advised to call the merchant because " ... Citi doesn't control that ''. A call to the merchant, XXXX XXXX, on XX/XX/XXXX informed me that " We submitted a single charge of {$700.00} but sometimes the bank will split a large charge because sometimes the credit balance on the card isn't high enough '', or something to that effect. A call to Citi on XX/XX/XXXX ended after 10 minutes when the rep. hung up on me because I had difficulty understanding her accent. A subsequent call on XX/XX/XXXX lasted approximately 45 minutes during which " XXXX '' ( male ) tried to remedy the situation by telling me to have the merchant refund the charge and then resubmit it and ask the bank not to split the charge. When I pointed out that the offer had since expired, he agreed that would not work. I finally asked him " It is Citi 's fault that I did not get my 5 % statement credit so are you going to give me that {$35.00} I'm owed or not ''. He said he can't do that and I said then I will have to file a complaint and see what happens. If I may add a personal observation : I have noticed numerous examples in the past decade or so of people no longer having the ability to make decisions even when they agree with the customer. They now are put in the position of trying to convince the computer that makes the decisions that it should do what they want it to do. At some point we humans have lost control and now are secondary to the technology that now so dominates every facet of our everyday life. 
Attached is a copy of the bill ( which has already been paid in full ) showing the split charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2020 I contacted Schrony Bank regarding Lowes 's credit card to dispute 30 days late being reported on my credit file. The online representative typed she could not do anything and I told her that I would be contacting the CFPB and she told me that she would note the account. I did not pay the account 30 days past due.

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 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management purchased a debt from XXXX XXXX another debt collector that had previously been disputed with XXXX  and removed from my credit. It was placed on my credit again under Credence Resources Management. I do not owe XXXX XXXX or Credence Resource Management money nor do I have a contract with them to pay. Per the FCRA this entry must be deleted from my credit immediatly as it violates my rights under the FCRA.

Company response to consumer: Closed with explanation