vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DC

Complaint narrative:
Community loan servicing AKA Bayview loan servicing during a loan modification the company reported me as being 120 days late 23 times during the modification period this is impossible that equates to 5 years and also how was the reporting made doing the modification this is furthermore destroyed my credit report and scores have reached out to them on several occasions with no response looking to get this resolved ASAP. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2020, I authorized PayPal to pay for a service. I have paid via PayPal many times in the past. The service is XXXX lessons for my son. This business has been running for years, and the owner requests his students pay him to his own PayPal business account. 
On this date, PayPal withdrew funds from my credit card, but flagged the authorization as suspicious. Upon calling them, they demand to know my sons birthdate. I said that is an intrusion of my sons privacy, he is not a minor, and his birthdate has nothing to do with the financial transaction. 
PayPal will not tell why they need his birthdate, refuse to pay the vendor, AND WILL NOT RETURN THE MONEY BACK TO MY CREDIT CARD. 
I have paid the vendor in person. 
I want PayPal to release my money, and credit my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Today XX/XX/XXXX  Sunday started calling at XXXX, again at XXXX again at XXXX. This happens every Sunday once an hour up to XXXX XXXX. Also, other days of week 3-4 times a day. Then they also send emails.

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 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I requested a replacement card for my HSBC credit card which has a {$3200.00} credit limit at the beginning of XX/XX/2020. 

Shortly after I received the card I received a letter showing my credit report. 

I did not authorize HSBC to do a hard inquiry nor a soft inquiry on my credit report. 

I did not ask for a credit limit increase nor a decrease. 

Then when I logged on to my HSBC online account, my credit limit was reduced from {$3200.00} to {$500.00}. 

Ive made payments which ranges from {$200.00} to {$500.00} for months and months that brought down my acct balance to XXXX, which means I have built a solid great rapport with HSBC. 

Why in the world would they suddenly decrease the credit limit? 

Its because they pulled my credit without my authorization. They took it upon themselves to do a hard pull without consent so they can illegally justify their action in lowering my credit limit. This is my formal complaint. 

PLEASE HELP. 

Cordially yours, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
On XXXX a debt was opened for the amount of {$1100.00} It was placed on my credit report XXXX XXXX Before this I received no notification of this debt or that any collection would be brought against me. 

Im also not certain if it is outside of the statue of limitation in the state of Oklahoma because it says 5 years. This would be 5 years and 5 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient said that they would send me a form to sign and verify that I am not co-signer on a student loan, but they never sent the form to me. I have since learned that the co-signer was in fact the students mother, but she put me in as co-maker because she said she could not co-sign due to being over extended. She filled out form using my info. Please send a form that I can sign so you can compare with the actual co-maker signature. I am XXXX years old and this has been destroying me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have multiple times over the years asked Navient, my student loan company, about refinancing to qualify for the public service loan forgiveness. It is difficult to understand why the requirements are in place the prevent me to qualify. I have diligently paid my student loans now for nearly 20 years. I have worked in XXXX XXXX, with the state of XXXX, for nearly that long. They should allow me to qualify, but refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I had opened my Chase Savings account with the premise that if I kept {$15000.00} in my account for 6 months, I would be awarded {$300.00} in total. This promotion ( {$200.00} for the Chase Savings account ) was also tied in with my Chase Checking promotion ( {$300.00}, that was awarded separately ) ; also to provide an extra {$100.00} in promotional funds for completing both the Savings and Checking account promotions. 

Besides an attempted mobile deposit of {$15000.00} on XX/XX/2020, from the point of the account opening to XX/XX/2020 I had not been able to provide any funding to my Chase Savings account, either at my local Chase branch or any other possible method. 

After much to no avail, on XX/XX/2020 a requested transfer of {$15000.00} from my XXXX XXXX account to my Chase Savings Account finally posted. 

On XX/XX/2020 I was charged {$5.00} for having a {$0.00} balance with this product. While I was able to get a credit of {$5.00} to resolve the fee, because of this, I was ineligible for the Chase Savings promotion that I was offered by Chase.

{$15000.00} was placed in my Chase Savings as soon as it could be. I took every effort available to me to provide this funding within 15 days as per the terms of the promotion. There was no way possible that I could have had funding in my Chase Savings account on the day of opening due to the COVID-19 pandemic. The fee was reversed by Chase on or around XX/XX/2020. They had indicated to me that because my balance fell below {$15000.00} I would not be eligible for the {$300.00} promotion. The {$5.00} fee was not my fault and completely within the hands of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: AZ

Complaint narrative:
Company : American Internet Mortgage ( AIM ) Issues : ( A ) Unauthorized Automatic Withdrawal Payment, ( B ) Fraudulent Journal Entries In Loan Account, ( C ) Fraudulent miss-allocation I am in the process of refinancing an existing mortgage with AIM. 

I was advised by new lender that I should not make the XXXX payment because it would not be credited in time to be reflected on the AIM loan payoff letter. Accordingly, in late XXXX XXXX, I cancelled my automatic loan payment for XXXX XXXX with AIM ( I received an automatic cancellation receipt from AIM ). Subsequent to my auto payment cancellation, I discovered the new lender anticipated delay in closing on the AIM replacement loan. Therefore, I decided to make a one-time payment to AIM for the XXXX XXXX payment, which I set up to to occur online, in late XXXX XXXX. *During this time AIM had already received 2 payoff request letters from the new lender plus one payoff request letter from me, so AIM KNEW I WAS IN THE PROCESS OF REFINANCING* Issues : 1. Despite my cancellation of the auto payment ( for which I have a receipt ), AIM illegally, and incorrectly processed the XX/XX/XXXX auto-payment anyway. AIM loan account shows this transaction as having taken place on XX/XX/20 ( I learned about this on XX/XX/20 ) 2. I made an online one-time payment in full, for XXXX AIM loan. My personal bank account posted this transaction on XX/XX/XXXX, and AIM posted this on the loan account on XX/XX/XXXX. 

3. On XX/XX/XXXX AIM posted XXXX transactions to my loan account, ALL OF WHICH WERE INCORRECT. First incorrect ( Fraudulent ) transaction was a payment reversal for the auto-payment which was originally cancelled online, but actually illegally pulled from my bank account by AIM on XX/XX/20 ; second incorrect transaction was a payment credit with the incorrect principal and interest amounts reflected on the AIM account ; third was another payment credit posting to my account, by which interest was charged for a second time in XXXX. 

4. the third transaction posted to my account on XX/XX/XXXX was a second payment, by which I was charged interest for the same period of time ( double charged interest, instead of full principal amount applied to loan ). This was a fraudulent application of funds. 

In summary : I only authorized one ( 1 ) payment for XXXX, but AIM debited my bank account by two payments in net. AIM then incorrectly reports a reverse payment on my loan statement ledger, which was a fraudulent entry ( the only two entries on my account should be two full amount payment for XXXX XXXX period, one on XXXX, the other on XXXX. There should be no reversals ). AIM then re-added / credited my loan statement with both payments, but fraudulently charged me interest for both payments covering the same period of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: The CBE Group, Inc.
State: VA

Complaint narrative:
On XX/XX/20, I received a notification that three collections were added to my credit reports from the CBE group. I had previously been working with the CBE group to settle the account, but the collections were placed on my credit reports anyway. Because I wanted to settle the debt, an agreement was set up with the CBE group to settle all three accounts that were in collections in the amount of {$300.00}. I also have the agreement # to show proof that this was the accepted amount to settle for. Since XX/XX/20, I reached out to the CBE group to ensure that my accounts would be updated properly with each credit bureau to show that the debt has been paid. However, when speaking with a representative and after logging into my account, it appears as though CBE group has somehow deleted the original agreement to settle the accounts, and now there is a balance showing for each account, AFTER the agreement was accepted by CBE group. I am at a lost for words that this has happened as I didnt know that collection agencies can void agreements after theyve taken a payment for such agreement to resolve a debt. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On two occasions I have called Chase Auto Finance to request that they send me a copy of my lien release letter for a car I paid off over a year ago. The most recent time was XX/XX/XXXX. The previous time was in XXXX or XXXX of XXXX. On both occasions the customer service rep took and confirmed my address, and assured me the lien release document would be mailed out that week. I have not received the lien release letter or any other contact from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I upgraded my XXXX XXXX American Express card to the XXXX XXXX American Express card. The reason I upgraded was to participate in their promotional upgrade offer, specifically : " When you upgrade, your new Card will have a promotional annual fee of {$0.00} for one year. " I printed this out for my records, copy attached, and then upgraded. On XX/XX/XXXX I went online to check my account and was horrified to see that Amex was planning on charging me a {$450.00} annual fee on XX/XX/XXXX. I chatted with an Amex agent on XX/XX/XXXX ( chat copy attached ) who indicated I wasn't eligible for the promotion. I found this peculiar, as my account had obviously been eligible for the upgrade promotion the day before. The agent offered to start an 'investigation ' but warned me it could take up to 8 weeks to conclude, which would put me at dire risk of incurring the {$450.00} fee prior to conclusion of their 'investigation ' which was obviously a non-starter. I am a big fan of American Express, and am writing in order that they refrain from rolling out promotions that some might consider bait and switch, at best. Hopefully my experience might prevent others from suffering the same treatment from Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, Diversified Adjustments placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank sent a notice via USPS mail that after an internal review they are going to close my account. 

I called them to find out the reason why my checking and savings accounts are being closed. Unfortunately, no one was able to give me a straight answer. I called the branch and they asked me to call the customer service, who told me to call XXXX XXXX XXXX XXXX who first told me to call the customer service and then asked me to call/visit the branch. This completing a full circle of run around. 

During this entire process, none of the agents could tell me exactly why my bank accounts are being closed - I did not have a negative balance, no overdraft, no bounced checks, a 10+ year relationship and additional Citibank products in use as well.

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 2020-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, XXXX XXXX placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, XXXX XXXX placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.

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 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.

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 2020-12-13 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/2019 XXXX XXXX I have no idea what this is XXXX 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 non-monetary relief
Consumer complaint received 2020-12-13 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XX/XX/2019 XXXX XXXX I have no idea what this is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I reached out to TransUnion and XXXX  to dispute inaccurate information regarding my name, address and accounts on my credit report on XXXX XXXX and asked that they immediately send me the method of verification for these accounts. To this day, I have not received an answer from both TransUnion and 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 2020-12-13 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 — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I paid them back with my taxes 2020

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 2020-12-13 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: NM

Complaint narrative:
XXXX has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX  / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.

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