vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Received a letter from XXXX XXXX XXXX, trying to collect an alleged debt. I have never heard of XXXX XXXX XXXX XXXX . I don't owe any alleged debt that they are trying to collect. In addition, their communication tactics are in flagrant violation of the Fair Debt Collection Practices Act, deceitful, hostile, and harassing.

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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
As a former XXXX XXXX for 36 years, I am writing to report what I feel are unfair and deceptive acts or practices made by both Citi Bank and XXXX XXXX. 
I recently received notification from the banks referenced above that my credit line has been lowered due the reasons listed below : Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Lack of recent installment loan information Amount owed on revolving accounts is too high Time since most recent account opening is too short This deceptive practice is balance chasing which means that instead of freeing up credit, the customer has less available credit due to the lower credit limit. The banks are beginning to engage in this practice to limit their risk by reducing the amount of a particular borrowers available credit. 

Balance chasing is more likely to occur if the cardholder makes larger payments or may appear to be a high-risk borrower who makes late payments or defaults on other credit cards or loans. An unintended consequence of balance chasing is that even though debt repayment is responsible consumer behavior, it can make it difficult improve a credit score, such a FICO score. 

Another issue with this is that my credit utilization has increased since the banks reduced my credit line. It has also impacted my credit score making it much more difficult to be approved for credit so that I may consolidate my debt as I have done in the past. It is just a matter of time before I see a rate hike due to this unfair practice. 
My credit history has been solid, so it is not clear to me as to why there is a lack of recent installment loan information seeing that I had two automobile loans from XXXX XXXX XXXX XXXX and XXXX XXXX and was paid in full on XX/XX/XXXX and XX/XX/XXXX, respectively. 

Please note that as of XX/XX/XXXX my credit score was XXXX and is currently reporting at XXXX as of XX/XX/XXXX. I have always made my payments in a timely manner and my credit has remained in good standing for many years despite what is stated above. 
The average age of my accounts is 7 years and 5 months with the oldest account 17 years and 6 months. 

My newest account was opened recently at a furniture store back on XX/XX/XXXX. I also had two personal loans I took out with XXXX XXXX that were paid in full as of XX/XX/XXXX and XXXX XXXX, XXXX. 

I understand that the economic conditions have worsened due to the COVID-19 pandemic and that may be a reason for banks showing their reluctance to lend. However, consumers that reflect a solid credit history with favorable credit scores should not be penalized. This appears to be another tactic to raise their interest rates and bottom line.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
About XXXX to XXXX yrs ago XXXX Phones where stolen from my property.

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 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc.
State: MA

Complaint narrative:
FDCPA, under Title 15 violation have initial started around XX/XX/20 From these tresspasser of the law XXXX XXXX on behalf of McCarthy, Burgess wolff located The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX and also complict is XXXX XXXX  locatedXX/XX/XXXXXXXX XXXX oh XXXX. We have no written contract nor knowledge any alleged debt. Am invoice will be sent within two weeks of this claim for damage. 


AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: DE

Complaint narrative:
My lender is asking for documents that dont exist, such as property insurance bill which is handled by them ( lender ) and I do not have, as well as the fact that they asked for documents on XX/XX/XXXX and set a deadline for XX/XX/XXXX not nearly enough time for me to send all documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I dispute a charge for XXXX because they claim I would receive a paper bill never did XXXX denied this. Then I went to my bank TD bank to dispute the charge they credited me then reverse the credit today XX/XX/XXXX, I summited the proof they needed and told them I couldn't afford this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
GUARDIAN CAPITAL MAN ( Opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Regional Management Corporation
State: GA

Complaint narrative:
I received, via mail, promotional offer get {$400.00} for opening checking account. 
My English is second language and I easy can misunderstand the legal English, so I decided I would ask for help from professional banker who works at the bank. I went to the bank, met with branch banker. I provided promotional documents to the branch banker, issued by bank, how to get {$400.00}. Banker took that material and insure me that she will complete online banking to meet all terms. Banker enrolled me in online banking. Banker created my login. Banker have must have followed all terms that must be met to get {$400.00}. Banker advice, that I must complete 10 transaction within one month. I have completed 10 transactions within one month. I have done all I was able to do. Everything else was banker responsibility. 
Now Bank refused to honor {$400.00} arguing that I did not enroll online statements. 
I argued that banker who enrolled my online account and followed all terms shall have enroll in online statements as she was asked to do and that was her diligent and responsibility. Not me. ( If I could understand all terms written on promotional materials, than I would never ask for help to someone else, right? ) I trusted banker at the time to open account for me and I gave a promotional material to the banker to make sure banker meet all terms. 
therefore, I compliant on bank for intentionally fall to enroll online statements on my behalf, so Bank will not issue {$400.00} promotion to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, the beneficiary of my savings account XXXX XXXX, received a letter from Centerstate bank that my savings account was going to be closed in 30 days. Im the primary account holder and never received a letter. The current balance of the account is $ XXXX. I contacted my local Centerstate branch on XXXX and asked why my account was being closed and their response was its our discretion, please file a formal complaint. I have been a loyal customer for over 5 years with Centerstate bank. My accounts have always been in good standing. There have never been any fraudulent charges or compromises of my accounts. I feel I am being discriminated against and treated unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute false information on my credit reports now for almost a year. The most recent letters I have sent were on XX/XX/2021. To this day over 30 days later I have not received a response yet. XXXX, Transunion, and XXXX  are reporting false and misleading information on my credit. This is in violation of the FDCPA section 807. These false items are preventing my family and I from being able to move forward with our life 's. Not only are they reporting bankruptcies with false information, they are reporting negative accounts that should have been removed due to the bankruptcy. My rights as a consumer are being violated and I am highly upset. It has been over 30 days since my most recent letter the the bureaus and I have not gotten a response. This has been going on for almost a year now. This is completely unacceptable. I demand the following items be deleted from my credit reports. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XX/XX/2020, I got an email about my JCPenney credit card statements. It said that starting the first of XXXX, I wasn't getting paper statements any more. They had changed my statements to electronic only, and if I wanted to change it back to a paper statement, I needed to click a link in the email. I don't EVER click links in unsolicited emails, and I've had many fraudulent emails from ppl claiming to be from a bank or company that I use. I ignored it, because when I XXXX  if it was legal for a company to do that, I found it was NOT legal. Then I got ANOTHER email from a different store credit card through Synchrony saying the same thing. I don't usually check my email more than once a month, unless I'm looking for tracking info on a package I'm expecting. I called the company, and told them it was illegal for them to be changing my billing without notifying me BY MAIL. As far as I know, it was changed back, but I've now gotten an email about a card in my wife 's name with the same garbage tactic. I believe it's to make millions in late fees by changing billing and hoping lots of people like me won't see the email or won't respond. They also refused to put ANY of my payment amount towards an " 18 months no interest '' promotion, so I'm going to get hit with hundreds of dollars in back interest in the fall. They also suddenly lowered credit limits on two accounts to just over what my balance was, which caused a 60 point drop in my credit score. There were NO late payments, missed payments, or anything else. ALL of my credit cards have been in good standing. This company is corrupt, is doing illegal things and is destroying people 's credit in the middle of a historic pandemic. 
Their business practices are designed to cause harm to consumers and attempting to use fraud to make money from late fees, over the limit fees, and raising interest rates as punishment for the results of what THEY are creating.

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 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Received a letter from Nationwide Credit Inc, trying to collect an alleged debt. I have never heard of Nationwide Credit , Inc . I don't owe any alleged debt that they are trying to collect. In addition, their communication tactics are in flagrant violation of the Fair Debt Collection Practices Act, deceitful, hostile, and harassing.

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are some inquiries on credit reports which I do not no about, it may be potential fraud and I wrote dispute letter to the credit bureau and and they don't correct it, I want all the inquiries that I do not recognize removed from my credit report. 
XXXX, Experian 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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was THD/CBNA customer since 2018 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account due to COVID-19 pandemic. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-02-10 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: TX

Complaint narrative:
I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
When applying for the card, terms were indicative of a general use credit card. Points were earned at a certain rate for in-store purchases and a different rate for outside store purchases. I was approved and received my card two weeks later. When attempting to use the card at a grocery store, it said the card was declined. Upon contacting customer service via secure messages through their website, I was informed the card I received was only for in store purchases. When I called to cancel due to this issue, I asked about this issue and the customer service representative told me that if you do not qualify for the one that can be used outside the store, you will automatically be sent the instore only card. I never received documentation I did not qualify for the original offer ( no adverse action notice ). I was never told I was receiving something different than the offer I signed up for ( no counter-offer ). I was just sent the different card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
My name is XXXX XXXX. My wife and I keep getting calls from Toll Free Call XXXX XXXX. When I call this number I get an entity which identifies itself as ED Financial Services. When I ask why they have been calling twice a day for at least three years, they mention a student loan. They ask if I am XXXX XXXX. This I admit, adding that I have no outstanding student loans. They then ask for me to verify my date of birth. This I refuse. Similarly I refuse to give the last four digits of my social security number. This is standard practice which we advised consumers to follow when I worked for the XXXX XXXX XXXX XXXX XXXX. When I asked, today, for any detail about the loan they asked about, they refused any and all information unless I gave them personal information. I explained that 'XXXX XXXX XXXX is a common name, and I was under no legal obligation to provide them with personal information. The ED Financial representative I spoke to indicated that she would give me no information about the loan I supposedly owed without my revealing personal information. I advised her to take me to court should they feel I owed them money and I would be happy to explain the situation to a judge. XXXX, from Ed Financial Services, suggested that the phone calls would continue until I gave her the personal information outlined above. I told XXXX XXXX that I would not give her personal information and I would contact the CFPB. Can you help me with this matter? I consider ED Financial Services ' methods abusive. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA NA ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Today 's date is XX/XX/XXXX. Beginning on XX/XX/XXXX I started the process of refinancing my mortgage with my current lender Chase. Since then, I have provided numerous documents and financial reports to them. No closing has occurred and various statements have " expired '' and I have had to resend them. I have been told by numerous people that they are " putting a rush on things '', and " hopefully by the end of the week ''. I am frustrated to the point that I am making this complaint. Attached is the loan estimate from XX/XX/XXXX with the expired rate lock. I have all correspondence also. At times I was worried that this was a predatory lender or loan fraud. Below are the individuals I have dealt with : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX  XXXX Chase XXXX XXXX XXXX XXXX XXXX, Ohio XXXX | Office : XXXX : XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX | XXXX  ID XXXX XXXX XXXX XXXX  XXXX Chase XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX XXXX XXXX : XXXX | Fax : XXXX | XXXX XXXX Office hours : XXXX XXXX. to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Team Supervisor XXXX XXXX ID XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation