vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA routinely denies debit card didputes even when the account holder sends in requested information Debit card dispute staff at USAA do not review uploaded documents for debit card disputes I complained about this same issue over 90 days ago & it appears USAA still Has not corrected their practice of denying claims without reviewing documents -without contacting the customer Ordered an item in XX/XX/2021 -a XXXX XXXX Seller shipped on XX/XX/2021 Recieved XX/XX/2021 Seller shipped in a glass bottle -bottle was broken & liquids leaked out Sent email to seller with photos requesting a refund /no response Filed a dispute with Usaa via phone call Uploaded photos same day of broken bottle /spillage Today XX/XX/2021 Usaa reversed my credit -denied my claim I uploaded photos to USAA that clearly show a broken bottle -leaked liquid therefore I did not recieve my product ordered I uploaded my email to the merchant /requesting a refund Even after that I got a letter from Usaa requesting supporting documents I then uploaded the documents a 2nd time on my account -dispute tab & they still denied my claim I know I cant be the only person experiencing this issue You cant talk anyone in the department that does disputes The people in the dispute department arent reviewing or receiving supporting evidence Or They receive it and deny the claim anyway XXXX  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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA refuses to close this account. 

Requesting since week of XXXX XX/XX/2021 due to unauthorized funds transactions. 

There is no longer a debit card attached to this checking account ending XXXX. 

Delay last week, IT issue. 

IT Ticket Spoke with XXXX XX/XX/2021 Received a phone call regarding unauthorized charges day of IT Ticket and phone call from above representative. 

I had just received a text with a USAA number to reach for the the unauthorized purchases to make contact. 

Representative legitimate contact at USAA in question. 

Refused service except for open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I initiated a dispute with Transunion in XXXX over a debt that appeared to be inaccurate or completely false. They quickly 'validated ' this, but do not seem to have conducted any meaningful investigation. 

When I called the 'creditor ' ( XXXX XXXXXXXX XXXX XXXX ) they informed me it was for a debt with a company called XXXX XXXX They provided an address I didn't own, nor live in during the time period at which they allege I entered a contract, and couldnt have contracted services for as a result. 

They claim I entered a contract on XX/XX/XXXX for alarm services at XXXX XXXX XXXX XXXX in XXXX, AZ. I did not live at this address nor in this state on XX/XX/XXXX. A simple review of my credit report would show this information was at the very least not accurate. 

Further, they use a date of XXXX for the balance/account and when I called this creditor they mention the delinquency was from XX/XX/XXXX. It appears they are using a newer date in an effort to maximize the torment on folks they are preying on. 

I had issues with debt over 10 years ago and have been in a cycle of being preyed on through phone calls and emails from bogus debt collectors who trade on sold information, and this appears to be another case of this and I am tired of it particularly now as they try to tarnish the good name I have spent years trying to rebuild.

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 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
This is concerning a XXXX XXXX bill for an account that I never established. Sequim Asset Solutions at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX filed a judgement on my credit report against me stating that I owed {$840.00} for an account I never established. I never received any communication from the company despite my previous attempts. I contacted all three credit bureaus to rectify the situation and filed a complaint but they have responded that Sequim Asset Solutions reportedly verified and validated the account in spite of the fact that I never opened the account. There are no contracts, letters, or receipts to show that I ever established this account but they said they were able to verify that this account existed. This information was never sent to me because I never established this account. 

The credit bureau stated that I would need to contact your company to attempt to resolve this matter. I hope to hear from you soon in my attempt to resolve 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 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: GA

Complaint narrative:
MLA and SCRA caps interest at 36 % This company set an interest rate for loan at 35.950 % plus a prepaid finance charge of XXXX and APR finance charge of XXXX. During this time my allotment was not sending payments for some reason. Omni financial failed to utilize my bank account listed as a backup option to draft funds for payment. Instead, they practiced dishonest measures to tact on more interest, significantly exceeding the 36 % percent cap and creating a balance that is consistently gaining interest despite monthly payment. Omni Financial is targeting military members with their extreme dishonest lending practices. Omni has violated Military Lending Act. Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
My XXXX insurance is paying my truck payment and every three to four months I have to get paperwork signed by my doctors. I had an appointment with the doctor in XX/XX/XXXX and my next appointment could not be scheduled until XX/XX/XXXX. I contact my insurance company to tell them my next appointment but I had to get documentation signed by my doctor after XX/XX/XXXX. Fifth 3rd bank contacted me in XX/XX/XXXX and I explained that my next appointment wasn't until XX/XX/XXXX. They said okay we will notate this in our notes but I will be contacted in two weeks again. I was contacted again and I explained the same information to collections. On the XXXX of XX/XX/XXXX, I saw my doctor and discussed XXXX XXXX XXXX XXXX in the near future and got my documentation signed and submitted to my insurance company and the insurance company submitted payment to Fifth 3rd bank on the XXXX of XXXX as my payment is due on the XXXX of each month. I contacted the Fifth 3rd bank after discovering that I had missed payments on my credit report. I explained that the payment had been sent to the collection department and they stated that they did not make that report, but customer service filed the report. I asked them did they file my corresponding in my file. They explain yes but customer service and collections do not contact each other or correspond with each other on accounts. I ask what can I do to get the report removed and was told to contact customer service and they can remove the false reporting and that was on XX/XX/XXXX. They then transferred me over to customer service and I explained the situation and the agent explain that she could remove the missed payment but it had not posted yet so wait until it does and call back. On the XXXX I called back and was told that I was in delinquent payment and it will not be removed from my account. I explained that the payment was sent on the XXXX of XX/XX/XXXX and there has been a delay in the mail. I asked to speak to a manager named XXXX ID # XXXX and explain my situation again and the manager stated that a phone tract will be conducted to prove my statements and he will contact me on Thursday the XXXX of XX/XX/XXXX. On Thursday I received a call from a young lady calling for XXXX that he said that my account will remain delinquent even though my account was paid up because they had received payment. I explain and said that was not fair for me to have an account in delinquent and the account is paid up. I told them I would report this matter and now I'm submitting this report. My insurance has been paying for this account since XXXX with no problems until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: FL

Complaint narrative:
I had put a deposit of $ XXXXfor some work on my credit card on XXXX said work which was to start on or before XXXX they never showed up to start the job and are not returning my calls. i would like to cancel this transation. I had call Citi on XXXX and got discoed after 10 minutes. then i tried chat some thing named XXXX was to send me somethinng via e mail I have not received it. I called this morning and got discoed after 14 minutes. when i called back and got disconnected after 4 minutes.XXXX is the number at citi bank i was calling.

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 2021-03-15 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This is a follow up request of XXXX due to the company closed it. 
The creditor 's attorney responded to my attorney that they will withdraw this account in XXXX. So my original request is that both collection company and creditor need to eliminate this record in all 3 bureaus include XXXX ( They did the XXXX already in XXXX so need to be done on 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 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Ive tender payment also sent all necessary tax form for the account to be paid in full. I never got a response to the matter after affidavit has been faxed and sent by mail.

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 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
the main reason for this complaint is to let our state attorney and the ftc before it go to federal court ; two collection companies is reporting accounts that's been reported by the original creditor as paid in full.as you can see by the reports that's sent with this complaints the company ; lvnv funding is reporting a paid in full account # XXXX by XXXX XXXX XXXX.which stated a paid in full account.amount XXXX The company ; XXXX XXXX asso.is reporting account XXXX in the amount {$390.00} amount paid XXXX XXXX.the only reason those two collectors is reporting false billing on a XXXX years old person is hate and that will go into court with me.If those companies is not willing to move this trash from my credit report.this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc.
State: ME

Complaint narrative:
On XX/XX/2021 a representative from Account Control Technology , Inc. called a relative of mine and told them they were a collection agency trying to collect a debt from XXXXXXXX University that I owed. This person was a 3rd party and should not have been called and given information on a debt I disputed. I contacted the company and asked them to resolve this issue and instead they reported the disputed debt to the 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 explanation
Consumer complaint received 2021-03-15 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This is a complaint regarding Chrysler Capital. 
I leased a new vehicle in XXXX, paid the first months payment at the lease signing. 
I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away. 
Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit. 
They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due. 
They then reported to the credit bureau 2 weeks later, while my account has been fully current. 
And to preface all this, this is my 3rd vehicle lease with Chrysler Capital, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I would like a late tax fee reimbursement. My school tax was not paid nor was I notified of the needed payment and it is now delinquent. And I have been assessed an approximate {$150.00} fee. This is one of the main reasons why I left Nationstar/Mr. Cooper. a lack of consistent quality customer service. 

I would like to be reimbursed this fee since I was not notified of an original statement being sent to you all. And it was not forwarded to me or at least communicated to me. It seems you all didn't even notify the tax company to send the bill to me as well or instead. The first time I heard the bill needs to be paid is the delinquent letter I have now received saying it is late. 

The below email also said that my next tax payment would be paid in XXXX in 2020. If not, I should have been notified as I mentioned earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/08, I sent a letter about inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... CONSUMER PORTFOLIO SVC XXXX ... XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... ACIMA CREDIT FKA XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2021, I observed information on my credit report that was falsely put there by a company called LVDN funding which has falsely alleged that I owe them over {$1000.00} Dollars. This is not my debt and the information on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
Its not the first time they trick me. i get approved they hit my score with credit inquiries and after all they denied the credit. 

The funny thing is that they keep sending me registered cards and letters, even saying that I am approved for. the information is confusing and they create several difficulties after sending the documents. I did the whole process and at the end of that last attempt, I was told that I was denied because my coborrow was from another state, New York in case I reside in NJ in XXXX County on the side of XXXX facing the XXXX XXXX ... I want them to remove the inquiries in my credit report right now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a complaint regarding XXXX XXXX. 
I leased a new vehicle in XXXX, paid the first months payment at the lease signing. 
I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away. 
Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit. 
They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due.

They then reported to the credit bureau 2 weeks later, while my account has been fully current. 
And to preface all this, this is my XXXX vehicle lease with XXXX XXXX, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.

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