vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 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: DISCOVER BANK
State: MA

Complaint narrative:
I have been a Discover card member sinceXX/XX/XXXX and have never missed a payment. I am currently involved in a debt consolidation program with my other credit cards which is temporarily impacting my credit however I chose to keep my Discover card open and not include this card in my consolidation program. At the time I started this program, I intentionally kept this card open because I had a {$9100.00} credit line and a {$4000.00} balance. To reiterate, I have never missed a payment with this card in TEN YEARS and intended to have this card available in the case of emergencies. I no longer have this option. 

When I signed on to my online account on XX/XX/XXXX, I saw that suddenly I only had {$100.00} of credit available and my credit line had been decreased significantly. This was never communicated to me and when I brought this to their attention, I was told a blatant lie. I work in XX/XX/XXXX and could tell immediately this was back tracking. I have attached the conversation below. I asked why I was not notified of this decrease and was told a letter was mailed to me with the reason for the decrease on XX/XX/XXXX. It is now XX/XX/XXXX and said letter has not arrived at my home. I verified that Discover has my correct address. 

What compounds this situation is that conveniently, the day after I asked this question and received this response, I received an online message dated XX/XX/XXXX, with a copy of the said letter dated XX/XX/XXXX, which was clearly crafted only after I brought this matter to the companies attention. This is very bad and deceptive business. As a reward of 10 years of perfect business with Discover, during which time the company has made hundreds of dollars of interest off of me, I receive a significant credit line decrease. I understand that my credit score has dropped but I have a perfect history with Discover card and it is very bad business practice to treat your customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
I FOUND ON MY CREDIT REPORT THAT ERC PLACE A COLLECTION FOR XXXX, I HAVE REQUESTED TO ERC A VALIDATION OF THIS DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Dear XXXX. XXXX. TRANSUNION I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you

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 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX issued a loan to cover XXXX  care that was supposed to be interest free until a date, giving time to repay the entire amount before interest accrued. A payment was due on XX/XX/XXXX which was missed due to personal emergency ; an additional {$200.00} was added to the amount cited on the pay-by-phone account information call of {$2200.00} on XX/XX/XXXX bringing the outstanding balance to {$2400.00} -- that's an additional charge of {$200.00} accrued as of XX/XX/XXXX. It took 30 minutes to get through to a person at a call center in the XXXX who would/could not help but kept repeating the same sentence. This is usury and the CFPB is supposed to be protecting us ordinary citizens against these usurious practices. This bank needs to be investigated and regulated and punished for charging usurious rates of interest.

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 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
So today ( XX/XX/2018 ) I woke up from a buzzing of my phone and saw that I have a lot of notification from Wells Fargo. Turns out my checking account is in $ XXXX because of {$140.00} auto-payment for my insurance ( which they should've took it out on the XX/XX/XXXX and the {$49.00} auto-payment for my internet. So at XXXX XXXX I called Wells Fargo because I thought there has been a mistake with my insurance company and I asked the lady if she can stop the overdraft fee that they were going to charge me ( because they charge fees right away ). She said that she can't stop it but I can give them a call back and they will refund it to me. Then I drove to the bank at XXXX XXXX and deposited {$180.00} in my checking account. When I opened my Wells Fargo app it says that I still owe them and my account now says $ XXXX. I called them right away and asked and they said it was because of the overdraft fee. Now I told the guy that I called earlier this morning about it and they said they would refund it to me ; he checked and said my account is not eligible for refund and that the fee will stay. I asked him the reason why it didn't show the fee earlier and he said it was because it's before XXXX XXXX. Now I totally understand that but I called before XXXX XXXX to stop the overdraft fee and told me they would refund it and now they're telling me they will not refund it. 

Wells Fargo have been doing shady things, cheating their customers and been stealing their customers money. It's such a disappointment that they never actually did anything to make their customers satisfied and happy. 

Oh and one thing. I know someone that works in Wells Fargo and she was telling everyone how satisfying it is to see someones account get overdraft and how they love charging them fees and taking the customers money. What a disappointment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I received a call at XXXX XXXX from XXXX XXXX, identifying themself as Capital Accounts, from Phone number : +XXXX ( XXXX ) XXXX Area code : XXXX City, State : XXXX, New York County/Parish : XXXX Phone Usage : Landline Phone Carrier : XXXX XXXX XXXX XXXX. 
They provided me information regarding an account that was not even mine ( name of person/company seeking collections ) They did not clarity who they were speaking with. I told them they had the wrong person and then started inquiring about my name and asking me for the phone number of the person they were trying to contact. They then realized their mistake and hung up on me. I called them back and complained.. I am going to report them by report to the Federal Trade Commission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took out a title loan from XXXX XXXX XXXX of XXXX XXXX XXXX, CA i fully paid it off the still months later no title or pink slip sent to me so i went to XXXX they told me that company is notorious for keeping pink slips even after they are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: CA

Complaint narrative:
Citi Bank to dispute a charge for a purchase of XXXX and insurance to cover my purchase XXXXXXXX {$2400.00} Insurance {$190.00} In XX/XX/XXXX I bought from XXXX XXXX XXXX fro {$2400.00} and insurance to protect my XXXX XXXX For {$190.00} I never receive my purchase, due to multiple no show I cancelled my purchase with XXXX manager and supervisor. They told me that {$190.00}. Will be put back on my card right away and {$2400.00} in 10 business day. Both manager and supervisor told me that they understand why I am cancelling. XXXX were back on my card. But the price for the XXXXXXXX OF {$2400.00} Never was returned. I called my credit card company and they said that they will file dispute. In XXXX {$190.00} and {$2400.00} was recharge back to my card. Which brought me over limit of my credit and dropped down my fiscal score, and brought me burden. I am still not having my refund from XXXX.Citi XXXX card is customer service is been difficult and uncooperative to have my money back from XXXX. They charge the balance back on my care with any notice. They claim that they sent me a letter and email that I never received. They stated that I have send them back the letter. He toke me all day and call to multiple supervisors rude and polite such : ON XX/XX/XXXX XXXX ID : XXXX AND her supervisor very rude XXXX XXXX. Called later that day XXXX XXXX. XXXX finally helped but he transfer me to XXXX XXXX. She stated that she can't help and transfer me dispute department manager XXXX in XXXX   wasn't available but did called me back. found that none of their letter wasn't get to me. XXXX helped to have the letter that I File and faxed same dayXX/XX/XXXX. On XX/XX/XXXX I received an email requesting the letter I faxed it again and email it. on XX/XX/XXXX I recieved another email requesting same letter that I faxed again and email it. Today I receive another request. 

Citi Bank kept telling me that they didnt receive the form I sent back by emails 6 times and fax 4 times until I contacted XXXX and provided the proof all my emails and faxes. 

Today XX/XX/XXXXI called to follow up on my dispute and XXXX in XXXX ID XXXX Stated that because they didnt received the form before XXXX XXXX. They no longer can dispute the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
Company- loancare issue- failure to cancel PMI On XX/XX/2018 I paid my mortgage down to below 78 % for which requires the services to cancel my PMI. I contact them in writing twice and phone twice. The first phone call they stated they would cancel PMI asap in accordance with the law. As of a month later it has yet to be cancelled and on XX/XX/XXXX I contacted them again and they stated they have not canceled it since they must look into the loan to make sure everything is up to date which it is. I contacted them again in writing stating I would submit a formal complaint for failure to act in a timely matter and propagation of false information over the phone. They have still not gotten back with me nor sent me any documents for removal of PMI, or even asked for proof of no secondary liens on the property. 
I have never missed a payment, have a credit score of over 800, and they are have subsequently failed to follow the laws of PMI cancelation. Terrible company. One would only expect to have issues with a company when they are late or delinquent on payments but to perform illegally against customers who are up to date on payments is ridiculous.

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 2018-05-15 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Dear XXXX. EQUIFAX. XXXX I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: MN

Complaint narrative:
Dear Experian. XXXX. XXXX I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you

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 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have called PNC at least 10 times about closing my account and each time they come up with a reason for why I can't. I do not live in their service area, I can't transfer money easily. They said I should try downloading XXXX and transferring the money to myself. They say I have " pending transactions ''. I've asked them to freeze the account to prevent pending transactions - they've refused. Why do they keep letting transactions go through?? And they're for stupid amounts of money : XXXX  dollar, XXXX dollars, XXXX  dollars. 

Another time they wouldn't let me cancel my account because my address was incorrect, which they said would take 10 business days to change. 

They're not able to help me freeze the account, they're not able to help me close it. 

This last time they suggested I dispute the pending charges because they should not have gone on this account ( XXXX is debiting them even though I've removed them from XXXX 's system ). BUT this would mean I can't close the account for another 4 weeks!!!!! 

PLEASE HELP ME CLOSE MY ACCOUNT!!! All I do is pay overdraft fees and they won't refund them or help me close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I used my credit card in which I am the authorized user, to make a purchase to my car fiance company. The company had an option for a credit card ( which is what I used ) or a debit card. The credit card processed as a credit card on the merchants side however the credit card company posted the payment as a cash advance/wire transfer. I spoke to the merchant and they stated they do not have a way to change the method of payment on their end they also stated it was run on their end as credit card payment not as a wire transfer. They stated that Capital one has done this to other customers. I spoke to capital one and they told me to go back to the merchants because they cant change the way the merchant code shows on their system. I think capital one is posting payments that should be posted as credit card transactions as wire transfers in an attempt to profit from unsuspecting customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Several accounts listed on my report that were not mine. Several dilequencies also reported that were not mine. Personal/private information has been compromised. Contacted Bureaus letting them know of fraudulent activity over 1 year ago when it was detected XX/XX/2016. Several accounts have still not been resolved. Still affecting my credit score/report.

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