vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I notice some negative items on my credit report and sent a dispute to the 3 CRA ( XXXX, XXXX, and experian ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX  XXXX XXXX reportedly announced me as guilty of check fraud because I had reported it and drawn funds against a check I had deposited. This was then used against me by XXXX XXXX   using XXXX XXXX as a credit reporting agency. 

XXXX  is waiting for an associate with XXXX XXXX to admit that she had made payment arrangements before the payment was late. This has since been paid in full but still holds up my credit report somehow, further impeded by the multiple efforts to get a mortgage refinance so I can get out of debt sooner. These inquiries, about 50-60 total, also hold up the process.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had this credit card since XX/XX/2008and have never missed a payment. I asked to be signed up for the online banking account in XXXX and spoke with someone on the phone to set that up. At that time I updated my email address but did not intend to opt into " paperless billing '' as the way that I manage my accounts is via paper. 

I received an email the first week of XXXX telling me that my credit limit has been dropped from XXXX to XXXX due to non payment on my account. I was astounded as I always pay my bills. I called BoA and paid my account in full and told them I never received a notification in my email that there was a bill ( and I have searched my email account and I didn't ... wasn't even in spam ). I asked that my credit limit be restored because this was an oversight and I have an excellent payment history. They said they would not restore the credit limit. 

Today I discovered that my XXXX checking account was overdrawn because Bank of America took not only my minimum payment but also the full statement payment from my checking account ( although I had a XX/XX/XXXXBALANCE ). I called and asked what happened as I had NOT authorized this. They said I did authorize it online ( I am not that old, but it must have been something that they automatically opt me into vs. something I chose to opt into ). Now they say it will take up to five weeks for a refund. So BoA has about {$3000.00} of my money, they have reduced my revolving available credit by XXXX and are completely unwilling to do anything to expedite it or consider returning my credit limit to where it was. Not to mention ... if I HAD opted into the auto payment of my account in the past ... how could I possibly have had a late payment last month? None of this makes any sense. 

I want to close my account but I can't do that yet because they took payment in two sets and I have to request the refund of the second amount 8 days from now ( why 8? I have no idea ). And I have to be the one to request this ... they won't just automatically refund me money that is a credit AND I did not authorize they take. They also said they won't return my annual fee because I " used their benefits '' already ( I don't consider using their service a benefit ... anything but ) I just can't believe how badly this company treats its customers and gets away with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 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 bought a washer and dryer at beat buy XX/XX/XXXX for a gift for my mom got them deliver and when they arrive we couldnt find a connection for them so I called and have them picked up so I could return them witch they did and I waited XXXX weeks to make another purchase and I bought a phone and a television I payed what I had bought last witch was the tv and phone and still owed the washer and dryer for called Best Buy to try to fix it and they didnt want to help because they told me I had to get in contact with citi witch is the finance so I did I put a complain XX/XX/XXXX and they denied it saying they are charging me for delivery fees witch its the same amount as what I was going to pay for the washer and dryer

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 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: IL

Complaint narrative:
I am writing to file a complaint against XXXX and AFNI, Inc. 

On XX/XX/XXXX a collection item was reported on my XXXX  credit file by AFNI , Inc. on behalf of XXXX  in the amount of {$470.00}. I deny owing this debt and I want a full  investigation and removal of this information immediately. I want sound evidence from XXXX detailing the events of my service transfer in XXXX and details to support the debt of {$470.00}. 

Over the past several months to a year, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX AFNI, Inc to date. Accordingly, I am requesting that you investigate my dispute under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ].

I am requesting your assistance in putting an end to this matter. Please review the attached details and other documents. If you have any questions or need additional information, please contact me at the address listed below.

Thank you for your assistance.

Details : 1. In XX/XX/XXXX I was living in apartment at XXXX XXXX XXXX. XXXX  XXXX, XXXX, IL XXXX. During that time I had, and still have, XXXX cable. 

2. During the same month of XX/XX/XXXX, I switched apartments moving from XXXX  XXXX to XXXX  XXXX. I made arrangements with XXXX to have the service transferred. 

3. On XX/XX/XXXX, the attached XXXX bill shows a balance of {$230.00} for XXXX  XXXX. 

4. On XX/XX/XXXX, the attached bill show a credit {$230.00} and a {$0.00} balance. 

5. Conversations with a XXXX representative said they would link the new account, because I wanted to keep my email & same land line phone number. The attached document dated XX/XX/XXXX is a confirmation email from XXXX stating the accounts have been linked. 

6. XX/XX/XXXX is a summary of new service. See attached document. 

7. XX/XX/XXXX is new service address for XXXX  XXXX, with an amount due of {$2.00}. 

8. XX/XX/XXXX payment was received {$2.00}. 

9. The rest of the story is history. I am still residing at XXXX XXXX XXXX. XXXX  XXXX, with the same XXXX service from XXXX. 

10. Over the past several months I have disputed this matter with XXXX directly & I have gotten no answers and more importantly no evidence or details proving that I owe this debt to them. 

11. On XX/XX/XXXX, I received an alert from XXXX  stating that a collection item was reported on my file by AFNI, Inc. I called AFNI to confirm if this was from XXXX. 

12. If, I owed them past due balance they would have ended my service with them. Its been over 2 years & I still have no answers. XXXX is clearly in the error and they are trying to push their poor record keeping on me. I will not stand by and be robbed by this giant who is bullying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2020 I made a payment in the amount of {$560.00}, through online banking, designated as the P & I monthly payment for XX/XX/2020 in the amount of {$430.00} and {$120.00} additional principal payment. These funds were misapplied as {$560.00} to principal curtailment. 
The first week of XXXX I emailed the mortgage lender to correct the payment, no response. 
XX/XX/2020 I had to hold for XXXX hour and XXXX minutes to speak to an associate on their customer service line, the representative had me on hold another XXXX minutes, in total over a XXXX hour phone call. I asked if they had done the reversal themselves versus opening a task for it to be done and they lied and told me that they had since it had been a XXXX minute hold for them to do it. They advised it would be correct within XXXX business days. 
I emailed again when this wasn't complete and received the below response on XX/XX/2020 : We received your inquiry pertaining to the principal payment applied on XX/XX/2020 in the amount of {$430.00}, intended to be applied to the XX/XX/2020 payment. We are in the process of obtaining additional information to address your service request number XXXX, which was submitted on XX/XX/2020. We appreciate your patience while additional information is gathered to further research your request and apologize for any inconvenience this delay may have caused. 
I called back again the last week of XXXX and held for 45 minutes to speak to a representative, I spoke with a male from Connecticut he told me it would be done in another XXXX business days. 
I called back again in the beginning of XXXX when this wasn't complete waited over half an hour got a rep XXXX on the line asked to speak with someone who could reverse and reapply the funds Panill id XXXX drop transferred me back into the main queue where I held another XXXX mins talking to XXXX XXXX who could not process the request and then I escalated to a XXXX XXXX XXXX XXXX who said he would escalate this as the task opened on XX/XX/2020 was supposed to be completed within 30 days and it was now past that time from. I waited another week and through online banking i can see the funds I sent were reversed on XXXX but still have not been reapplied to the XXXX payment, they have been sitting in unapplied / suspense since XXXX. I left XXXX a voicemail friday XXXX he never returned the call, I left another voicemail Tuesday morning XX/XX/2020, no response. Funds are still not applied. I have never paid my mortgage in the XXXX plus years past the XXXX of the month and I also can not make my XXXX payment until these funds are properly applied.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I purchased furniture from XXXX XXXX XXXX in XX/XX/2020 using their credit service from Tidewater Finance Company. Upon receiving my first bill, I set up auto pay through my financial institution and have paying this way ever since then. In XX/XX/2020, I got a phone call from Tidewater saying they had not received my XX/XX/XXXX payment, perhaps it was just lost in the mail. I simply adjusted my XX/XX/XXXX payment for double what I usually pay ( which is significantly more than the regular payment amount ). I didn't want to go over 30 days late so I was closely monitoring the Tidewater 's website to make sure my payment posted this time. On XX/XX/XXXX I still hadn't seen my payment post so I made an online payment for the same amount as the bill pay check. On XX/XX/XXXX, both the online payment and bill pay check cleared my account, a total of {$1000.00} ( my original required payment was roughly {$200.00} ). At this time, I logged on to Tidewater 's website to make sure the payments were reflecting in my account and neither of the two {$530.00} payments were reflected. I immediately called and spoke to a representative and was told that they were switching their system and to give it a few days to reflect. As of XX/XX/XXXX, neither payments were reflecting in my account. My bill pay was set up to send another {$260.00} payment XXXX my usual amount I send ) for the XX/XX/XXXX due date and to this day, XX/XX/2020, none of these payments are reflecting in my account. Every time I call I get different answers. They don't know " who cashed these checks '' even though I've sent them my bank statements, several cleared checks, etc. I have now received a hit to my credit saying that I was 30 days late on my payment and it dropped my credit score XXXX points on each of the three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Ive had XXXX separate disputes with USAA in recent months and they are blindly siding with the merchant. Most recently, I spent upwards of 40 days arguing the validity of a dispute with them only for it to finally be reimbursed by the merchant themselves after threatening legal action. They claim that they send documents and they do not, they make not attempts to reach out via electronic communication even though Ive signed up for them, they cite letters that theyve mailed, they lose evidence. My last once went as far as telling me that I had to prove that this merchant was who I said they were because the point of sale company didnt match the company name. Even though I had time stamped transaction details and written communications with the merchant acknowledging the debt. USAA not only didnt believe me, they wouldnt believe the merchant either. They are enforcing customers to investigate their own claims ( hours ) and pulling back credits with no explanation or notice. An agent admitted that they recently changed their claims process. They also refuse to disclose any evidence of their ruling. Nor do they reach back out to the customer before ruling ( something they explicitly state that they will do ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I closed this credit card on XX/XX/XXXX and paid off all the amount. Until XXXX XXXX I saw my credit report has debit collection as {$740.00}. This credit card credit limit is only {$400.00}, how can I owe them such money? I called XXXX  XXXX and they told me account closed on XX/XX/XXXX and they don't know what is going on and also called debit collection company and they refuse give me any detail information only ask me pay off the debit. 
1. If I still owe XXXX  XXXX after card closed they should mailed me final statement or called me to statement I still owe them money. ( My payment history not listed I have bad debit until XX/XX/XXXX I know it! 
2.XXXX  XXXX company should be response me and provide me any details such as statement..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C.Tech Collections, Inc.
State: NJ

Complaint narrative:
I recently looked at my XXXX XXXX and noticed I have a collections which i have no knowledge of and I do not owe them any money to the best of my knowledge. The company is called C Tech Collections for {$87.00}. To my understanding i never was in any buildings in XXXX nj or signed any documents giving anyone authorization to charge me anything. Any medical type bills were paid off in full. I will you shows the picture of what i need removed at it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently disputed a bankruptcy on my credit report and I sent in supporting documentation from the XXXX bankruptcy court which showed that Experian is reporting inaccurate information. I contacted Experian requesting them to delete the inaccurate information but I was informed that they would open a dispute which was opened XX/XX/2020. The dispute was then marked as complete as of today but the inaccurate information is still present on my file. 

I am now requesting additional assistance from the FTC. I am requesting that someone from the FTC steps in and contacts Experian to have them to remove the inaccurate information from my file. I will also be uploading additional information here pertaining to the inaccurate information provided to me from the XXXX bankruptcy court.

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 2020-10-14 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: Freedom Mortgage Company
State: TX

Complaint narrative:
I have reached out to Freedom Mortgage ( FM ) representatives for 1 year and 6 months with no response and no resolution to unfair credit reporting on my account. Despite several successful disputes with credit bureaus, Freedom Mortgage continues to re-report either an XX/XX/XXXX or XX/XX/XXXX late payment on my credit reports. This account was never late in XXXX nor XXXX of XXXX. Payments were made on the XXXX of every month via ACH deposit. To report XXXX and/or XXXX payments as 30 days late is false. Payments were automatic on the XXXX of every month. The archived statements on this account reflect ACH monies processed and exchanged between FM and my bank. 

Furthermore, if the amount sent was short of an escrow adjustment it was never communicated to ( me ) the secondary account holder. I did not receive any notices, bills, invoices, or calls regarding any adjustments as I am not the primary account holder. It is my understanding that Freedom Mortgage never maintained accurate contact information for me as the secondary account holder during the life of this loan. This is crucial because I relinquished contact with the primary account holder in XX/XX/XXXX due to a court appointed Protective Restraining Order issued by a XXXX XXXX Judge in response to a Felony Assault Charge. This No Contact order was in place for my safety and I requested FM to adjust my separate information at the time. Communications, if any, made to the primary account holder were not made to me. I have supplied the confidential court documents to Freedom Mortgages customer service email and to the RESPA Written Request Department and have received NO response. My numerous attempts to discuss and resolve this issue have been ignored. I am pleading for assistance, fair credit reporting, consumer protection, and compassion. I am the XXXX XXXX XXXX XXXX and a protective restraining order was in place against the primary account holder during this time to protect me from further XXXX  and XXXX. I am asking for Freedom Mortgage to have the compassion to permanently adjust the 30 Day late marks they continue to re-report on my personal credit reports and reflect them as current OR relieve me from their continued reporting all together. Since this account is classified as a mortgage account these derogatory marks are negatively impacting my chances at applying for safe housing, mortgage loans, and refinancing, for the next 7 years. I have mailed all the documentation to support my claim along with my contact information several times to FM, I can supply again if asked, and I would greatly appreciate the opportunity to resolve this issue. Please contact ME, as I am not in contact with the primary account holder.

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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a re-finance mortgage on XX/XX/2020. I was told the process could take 90 days. The first week I submitted all required documents. After that, nothing has happened. I have made several attempts to call, email, and have gotten no response. I can not get a response from Fifth Third on where it stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I received a payoff bill for XXXX that had to be paid in full before XX/XX/2020. The full amount was paid before that date. I receive another bill stating additional XXXX was due with late fees

Company response to consumer: Closed with explanation