vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX I was trying to get another XXXX XXXX  to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor Equifax to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake Equifax/XXXX deleted a different XXXX account from my credit report. I had a XXXX XXXX with XXXX  for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason Equifax and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/XXXX XXXX they said they NEVER delete accounts from credit reports. I asked that Equifax put the account they removed back on my report and they said they can not because XXXX is the one that deleted the card. XXXX told me Equifax has it on my older reports and should accurately report it XXXX can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In XXXX of 2016 I refinanced a XXXX XXXX XXXX and financed an XXXX XXXX XXXX with USAA Federal Savings Bank. I did both loans over the phone. Within the first few months I noticed I was falling behind in payments on the XXXX XXXX. Of course this was recorded on my credit report. I called USAA and asked what was going on. I was told the XXXX XXXX was scheduled for a monthly payment but the XXXX XXXX was scheduled for a payment of {$390.00} every 14 days. I explained to USAA at the time I didn't set the loan up that way. I was XXXX XXXX military and my pay was distributed on the XXXX and XXXX of every month. It didn't make any sense to set up a loan payment every 14 days. USAA is well aware of the military pay schedule the bank was founded by military Officers. I was told by USAA because of a contract between them and I agrees to a payment of every 14 days, they were expecting the payment. The only thing they I could do is refinance the loan. That was ridiculous. Why would I have my credit dinged because your representative made an honest mistake. I believe the representative who made check mark on my application agreeing to every 14 days for a payment made an honest mistake. Of course this can't be checked because the loan was processed over the phone. Anytime you mention biweekly and every other week to someone you risk the person has the frequency confused. Knowing my pay schedule I wouldn't have knowingly agreed to an every 14 days payment because I didn't get paid that way. In XXXX of 2016 I was XXXX  retired from the XXXX after 17 and 1/2 years. I called USAA in XXXX of 2016 and asked if they could help me by adjusting my XXXX contract because my pay would change from twice a month to once a month. They told me to refinance the car to change the frequency. Again I opted not to because I didn't want my credit dinged. At least twice a month USAA charge me late fees on the XXXX. At this point I have totally lost track how much money extra i'm paying in late fees. Also USAA applies how much money they want to my principle and interest rate. The online database which shows how much money is going to the principle and interest is inaccurate compared to what USAA representatives can see on their screen. I can make a payment of XXXX dollars. One month they will put XXXX toward interest and XXXX toward the principle. The following month I can make a payment of XXXX dollars. USAA will put XXXX dollars toward the principle, XXXX dollars toward interest and XXXX dollars toward late fees. Another example ; USAA online database will say I owe XXXX dollars on the XXXX and when I call the representative will say I owe XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MA

Complaint narrative:
Student loan duplicate information in credit report many times

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: NY

Complaint narrative:
Keep get called repeatedly that they need to speak to me concerning a business matter and they have all my information social security number and date of birth and my location Ive never gave this company my information and dont have any outstanding debt and only have a debit card.So they continue to harass me and I feel its a violation of my rights because I dont know this business and they are making false claims against me and would pursue legal action regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I was trying to get another Chase card to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor XXXX  to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake XXXX/XXXX deleted a different Chase account from my credit report. I had a Chase Card with Slate for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason XXXX and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/Chase Slate they said they NEVER delete accounts from credit reports. I asked that XXXX  put the account they removed back on my report and they said they can not because Chase is the one that deleted the card. Chase told me XXXX has it on my older reports and should accurately report it Chase can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: AL

Complaint narrative:
They received my first certified letter disputing the {$1500.00} bill on XX/XX/18 where I requested anything bearing my signature, approximately 30 days later I received photo copies of bills none bearing my signature.On XX/XX/18 they received my second certified letter again requesting anything bearing my signature. Today I got a credit alert showing my collections going up because interest was added on XX/XX/18 causing my score to plummet 56 points and the debt still hasnt been verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I opened a checking account with HSBC on XX/XX/XXXX with a with a large initial deposit. The account was approved and the HSBC withdraw the funds from my external account. On XX/XX/XXXX I attempted to login to my account and received a notice that the account was suspended and to call a certain number. 

I called the number and after 30 minutes was told that I was speaking to HSBC XXXX, not US. I called a different number and was put on hold for 1.5 hours and had to hang up. I tried again at XXXX XXXX and was on hold for 2 hours before the call was disconnected. I am just trying to figure out why the account was suspended and how to fix it but I can not get through to anyone. While I am waiting I do not have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/18 I reached out to Bank Of America to see if they could waive the late fee ( s ) that were incurred due to late payment ( s ) which was no fault of my own I've tried on  numerous occasions to add my financial institution to their bill pay service but to no avail it is my firm belief that they blocked and or prevented me from adding my financial institution to cause such an action the customer service representative stated that i had other options other than using online bill pay which I told her those options weren't best for me suffice to say she said she couldn't waive the fees for me when the fees were incurred due to bank negligence

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 2018-09-07 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: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I have a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :. 
1 ) XX/XX/2018 XXXX  for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by The Money Source and submitted a dispute on my behalf. 

I then called The Money Source and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

Thank you, 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 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS, Specialized Loan Services purchased our home owners loan in XX/XX/2018. They advised us of this fact after we had made a payment to our previous loan company, and then have made harassing calls ever since they acquired the loan. 

If they do not receive the payment by the first of every month, they are leaving messages, or calling my cell phone about payment, and the payment is not considered late until the XXXX of the month My wife and I have credit scores in the 800 's, and have never, in 20 years had issues with making our loan payments. In fact, we generally pay more than is required to get the loan paid off earlier.

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 2018-09-07 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: CA

Complaint narrative:
Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXXXXXX XXXX account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit bureau.

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 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/2018, I received information from XXXX of a Public Record on my credit file. I was curious and wanted to find out where this information came from. I found out that part of the information came from a company called Lexis-Nexis. I never did business or heard of such a company so I contacted them to see what type of business this is and where did they obtain their information. They explained that they were not a credit agency although they collected and distributed information on consumers. I asked since they are a source of information for businesses is their any requirements that they should obtain authorization from a customer before they sell or share such information? 

This is found on the website : Please note that LexisNexis Risk Solutions is not a credit bureau and does not maintain a database of credit information. We do not have the ability to add a security freeze to your credit file. 
If they do not maintain credit information then their access appear to be unlawful and possible fraudulent. Please share your information in regards to this company. As XXXX of Lexis-Nexis that they are in compliance with all regulations. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I filed a complaint and dispute with Synchrony bank at the time of the fraud it was GE capital. I have won the dispute and i can not get the refund. I was told that everything charges and fees have been credited to my account back in XX/XX/XXXX. It is now XX/XX/XXXX and when i ask as to where my refund is I am now being told that they need copies of all the checks proving that i made the payments. This goes back to XX/XX/XXXX and i have been fighting this dispute for 6 years. The amount owed is close to {$2000.00} and i want it now. 
I have XXXX XXXX XXXX and XXXX XXXX. I can not chase around to find all of this. they also stated it would take 6 to 8 weeks to get a refund that was approved back in XXXX. 
Every time I call for the status i get transferred at least 5 ( FIVE ) times  and no one can see that i have a credit they just see that my dispute was accepted and i have won my claim.

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 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
In early XX/XX/2018, PayPal asked me to update my outside credit card information and upload a scan of my driver license. I complied. 

On XX/XX/2018, PayPal restricted me from making transfers to and from my account on the grounds that my account is controlled by a foreigner. 

I opened my account from the USA at least 17 years ago. I have only and always been a USA citizen from birth and have always maintained a residence in the USA and have been physically in the USA for at least seven months of every calendar year. My account has been controlled only by myself and PayPal. I have never given access to anyone else. 

On XX/XX/2018, I discussed the matter with PayPal agent XXXX by telephone. She said that they needed a proof of address other than my driver license. She sent me a link to upload a document. But the upload function is disallowed because of the restriction PayPal placed on my account. And XXXX wont remove the restriction until I upload the document. My current address is a home which I own in my own name which is a matter of public record. 

I called PayPal again. But reaching XXXX was not possible because PayPal doesnt transfer calls to specific agents or have any way to identify XXXX. They can not even read the message that she sent to me in the PayPal Message Center. 

PayPal closed my account based on a hasty and incorrect conclusion that I was a foreign agent and said that they will keep my money for 180 days, then mail a check to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION continues to report a collection account on my report despite of me disputing it for the third time now. The collection account has many inaccurate information thats being reported. I also requested method of verification and got no respond. Collection agency reported account account without contacting me and said it can not be disputed. Collection agency also re-aging this account

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 2018-09-08 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: FL

Complaint narrative:
I have a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :.

1 ) XX/XX/2018 Transunion for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by XXXX XXXX XXXX and submitted a dispute on my behalf. 

I then called XXXX XXXX XXXX and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

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 2018-09-08 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:
I have a credit card account ( Best buy VISA credit card ) under Citi bank. 
I have multiple charges ( 5 ) of exactly {$100.00} each by XXXX XXXX XXXX and XXXX XXXX. I also have 3 separate charges of {$75.00} by XXXX XXXX. All of these charges were within days of each other. 
I am sure my credit card information was stolen at a gas station and I have reported my card stolen as soon as I saw these charges on my statement and was issued a new card. 
However, the credit card company recently told me that these charges were deemed to be not fraud and my credit card charge dispute attempt was denied for all of these charges. Now, I am stuck with {$720.00} worth of credit card charges that I never authorized. 
To me, this dispute seemed straightforward but the credit card company did not agree. Thank you for your help.

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 2018-09-08 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: CITIBANK, N.A.
State: CO

Complaint narrative:
In XX/XX/XXXX XXXX XXXX/Best Buy processed a charge on my Best Buy Credit Card that should not have been processed - illegally processed a renewal in my daughter 's name on my account after product was cancelled in XX/XX/XXXX. Due to XXXX XXXX 's negligence in not only charging this on my card but also in efficiently processing the credit for the charge ; I was charged late fees and interest. It took XXXX XXXX 4 weeks to properly process the credit for the charge as they confirmed it erroneous. Best Buy upon receiving the credit ; refunded all late fees and interest as charge WAS NOT MINE or AUTHORIZED. In the time it took to refund not only the charge but also late fees and interest ; Best Buy reported me to the credit bureaus with a 30 day late status. Note - there was a XXXX balance prior to erroneous charge, late fees & interest. Therefore Best Buy reported me with a late pay for charges that weren't authorized and all refunded. How can I be late when the charges were refunded at their discretion and I owed nothing? I have documents and a log of who I spoke to on what date and lots of supporting documents. I contacted Best Buy in XX/XX/XXXX with all supporting documents and they won't remove late pay status even with documentation.

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 2018-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
The lease was open on XX/XX/2018 and paid off on XX/XX/2018. My name is XXXX XXXX. The company of the lease is Acima Credit FKA XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX.

Company response to consumer: Closed with explanation