vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I applied for the Best Buy card to purchase several appliances on XX/XX/2019. I received a delivery date of XX/XX/XXXX and was ready to accept my order. I proactively enrolled the credit card on auto pay so my credit card bill would be paid on time. 

On XX/XX/XXXX, I received an email that my order was cancelled. 
I called Best Buy several times to find out why my order was cancelled but no one could give me a reason why. I wouldnt have cared if you cancelled the purchase for some reason, however no one could tell me why. It was just cancelled. I was told I would need to reorder the products. I attempted to do that, and the delivery date was pushed out to XX/XX/XXXX. ( This would put me out almost two months without appliances My original order was XX/XX/XXXX expecting it XX/XX/XXXX ) In addition to you cancelling my order, On XX/XX/XXXX, Best Buy withdrew {$92.00} from my bank account when my balance was XXXX. ( I never received anything ) I cancelled the card today. 

I am requesting the following : 1. Best Buy Inquiry be removed from credit report. I only applied for this card to put the appliances on the credit card. Since I didnt receive the appliances, I would like the inquiry removed from my credit report. 
2. I would like the {$92.00} credited back to my bank account immediately. 

This was a horrible experience. After researching on-line and I see a lot of negative comments about peoples experiences with Best Buy.

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 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/2019 I filed a dispute through XXXX as the account was still reflecting open with an outstanding balance. The property was previously sold and the mortgage was paid in full. On XX/XX/2019 I received the results of the dispute and New Rez reported to XXXX that the loan was foreclosed on in XX/XX/2019 and the account was closed in XX/XX/2019. This information is incorrect. The loan was never late, nor was it ever in foreclosure. XXXX 's dispute results indicated that I should reach out to New Rez regarding the results of this dispute. I call New Rez on XX/XX/2019 and they refused any assistance and advised there was nothing they were willing to do and only offered that I file another dispute which can take up to 30 days. I am in the middle of purchasing a new home and this inaccuracy may cause me to not get the loan I am applying for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
went thru Zelle and paid someone who had tickets for sale ... ..never received them and my debit card got charged {$500.00} they posted info on XXXX who i contacted and wanted paid thru zelle and never heard back and I am bout {$500.00} the person is named XXXX XXXX and the number he used was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Good Morning ; PLEASE HELP!!!! - I need some advance help with this because i been trying to resolve this for like 3-4 months now and I just keep getting run around. As I had mentioned in several of my previous letters, I'm disputing the accuracy, completeness, and validation of this particular account that caught me by surprise. A couple of months ago when I was looking through my credit I noticed a BoA Credit Card with a high balance of {$1700.00}, and immediately I started to dispute because each bureau are reporting different information. How is it possible that same account can be reported completely different among all the 3 major credit bureaus ... such as different date of last activity, date last payment, date opened, high balance, account number, etc. How is that remotely possible? I thought FCRA promotes 100 % fairness, accuracy, timely, and verifiable. And also, by looking at the way it's reporting, it looks like that the account is getting re-aged every year by the company of credit reporting agencies. Is that legal? But to get a kickoff, every time I disputed through the credit bureaus, I'm getting these template responses that just say verified as accurate and updated? What exactly did they update? And mostly, how can they say that they verified this as Accurate? Impossible - look at the attachment.

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 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, I was unable to logon to my USAA account via the mobile app. I then tried from a desktop and received the following message. 
Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. 
I called the number and was told they were unable to restrict my account and I needed to speak to someone in regards to my account. I suspected it may have been because I installed the mobile device on my new phone and perhaps USAA wanted to confirm it was intentional and not fraudulent. I spoke to someone regarding my checking and stated that USAA chose to close my accounts and I should be receiving a letter and a refund check that was set to mail on XX/XX/XXXX. When asked what specific reason USAA had for closing my account I was told again USAA chose to close my account. 
Today is XX/XX/XXXX and I should have received the letter and check. I live in XXXX XXXX where the bank is housed. I called and spoke to XXXX and was told I can get access to the letter via USAA.com.  I informed her my access was not granted. She said they will mail out another letter to me and my funds will then be sent to me in thirty ( 30 ) days. I asked why this is now different from the information I was given on Tuesday. Additionally, I was not notified of the closing and I have been going without access to my funds. I have no money for gas or groceries until my next pay day.Again, I asked why my account was closed and she, like the other rep, stated USAA chose to close my account. I was also informed it takes 30 days to review all my LOBs with USAA, which is only checking and savings, before a refund will be issued to me. Also, after checking with her back office she said a letter from them typically takes 7-10 days to be received once mailed. I informed her we are in the same city and only a zip code away. The letter should take two days tops to be received from mailing date. 
My main concern is that I can not be told the reason for the account closure. Additionally, it has left me without money for gas to go to work. Today I have opened an account elsewhere but will not have access to any funds until my next pay day on XX/XX/XXXX when my payroll hits. 
I have worked for over 20 years at financial institutions, including USAA FSB, and I have never experienced this level of service. People who have had excessive overdrafts, bankruptcies and even in the repossession process are allowed to withdrawal funds to survive and prior to closing their accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am not able to access my credit report online. 

This is a follow up complaint of XXXX. I've been trying to access my credit report and dispute status on Equifax website, but the website keeps asking me security questions that is obviously not related to my file. An example of the security questions is attached. I've called Equifax multiple times from 2019 XXXX to XXXX, and the only response I received was request a paper credit report by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I purchased a XXXX phone on XX/XX/XXXX that was financed through XXXX XXXX / TD Retail Card Services account # XXXX. I immediately began making the required payment of {$18.00} each month that my bank shows was paid prior to the XXXX of every month. At no time did TD Bank provide me with an account statement. 

Around XX/XX/XXXX I received notice by US mail that my account was past due about {$100.00}. I immediately contacted TD Bank and was informed that what appeared to be an error on their part the XX/XX/XXXX payment appeared late and therefore TD Bank had been assessing multiple late fees every month since. 

TD Bank agreed to waive all late fees and I paid the balance of {$200.00} in full. 

I then contacted TD Bank to learn that there was a mysterious balance of about {$4.00} remaining on my account and asked for an accounting. I have submitted two written requests and  received no response. 

In addition, I've requested that TD Bank remove the derogatory information they placed on my credit reports. Again, despite verbal and written requests, I have received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and Capital One. I never guaranteed the debt or made the charges on the statement. Capital One refuses to admit the business is closed and wants to damage my credit score.  Debt collection agency realizes the charges are not mine and refuses to collect the debt. Capital One ignores all phone calls period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
I called US Bank customer service on XX/XX/19 to report a stolen credit card. 
My name is not the primary on the account, but I am an authorized user, and my name is on the card that was stolen. Apparently they did not disable my card, but they did not tell me that they didn't. I am logged into the account right now, and I can see that a charge went through on XX/XX/19. This is unbelievable. Any person who has a card issued to them who calls to report it stolen should be taken seriously.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This was paid by the VA as part of my XXXX XXXX and the school has continued to try to collect on this. I want this removed from my credit report at once.

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 2019-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/2019 in XXXX XXXX money transfer transaction no. XXXX through Moneygram agent for {$400.00} was made in my favor, same day I went to Moneygram agent in my city XXXX, TX but they refused to release the money requesting the sender must contact them, the sender contacted both moneygram agent in XXXX and moneygram in US by phone but no avail. 
I phoned them many times but no avail I need to mention that This caused damages to me in the ability to paying due utility bills, credit card payments, personal loans which ruin my credit score and credibility. 
Therefore Moneygram must pay for those damages as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX  XXXX credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX ignores all phone calls period.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX   ignores all phone calls period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX  XXXX credit card services is reporting to all 3 credit  agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX  ignores all phone calls period.

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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I attempted to port number over to XXXX and the port was unsuccessful. I never had phone service with them because they could not get the order to go through.

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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Information appeared on all 3 credit reporting companies. No information was sent to me to validate or verify this debt is actually mine. 'Also find out the collection company isn't licensed to collect in the state of florida ; therefore, I demand they immediately remove from all 3 files

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
on XX/XX/18 we used care credit card for hospital stay in the amount of {$1500.00}. It was unclear to us at the time how their promotional terms of no interest would be charged to other existing care credit charges. This promotion precedes other interest free dates, so when making payments to our care credit, instead of all amounts going to charges with the earliest promotional date expiration 's, a fixed portion {$67.00} was paid to the XX/XX/18 charge. Thus, previous calculations to pay off prior promotion rates to avoid interest were jeopardized and we found ourselves behind schedule before we caught the fact that we would need to essentially pay two payments for one credit card. Misleading and I believe they hope it is to confusing for people who are having some type of medical or pet issue at the time of use for this card, to notice. Care credit is not as transparent about their multiple contracts and how each contract differs in so called interest free promotions.

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 2019-06-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was going through eviction in my old apt ... .went to court and the judge and the apt building lawyer said I owe a total of {$1100.00}, Court order. But XXXX office mgr sent pro collect {$3400.00}. As for as I know a office mgr is not higher than a judge and his court order.

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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was billed for insurance through XXXX XXXX and the bill has been paid, but it still appears on my credit.

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 2019-06-21 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: Manhattan Beach Venture, LLC
State: KS

Complaint narrative:
On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from Navient that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that XXXX has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from XXXX on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.

Company response to consumer: Untimely response