vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL

Complaint narrative:
I believe that Triad Financial is violating UDAAP by implementing unfair practices to individuals who receive a 1099-MISC for their pay, along with pay stubs from the employer, as opposed to those who receive W-2s.

Even after attempting to speak with the mortgage underwriter as well as a manager in mortgage underwriting, their procedures blatantly revealed a prejudice toward individuals who are self-employed or are independent contractors through a company.

The company does not use your actual income, but the income that they perceive based on whatever lending practices that they have established, which do not treat 1099 employees the same as W-2 employees. The company asked for information to include bank statements, tax returns, verification of other income, and pay stubs ; however, they disregarded and misinterpreted information seemingly maliciously to deny a mortgage application. In fact, twice I was advised by their employees that " there was nothing else they could do, '' which was also extremely unprofessional. 

I have previously applied for a mortgage, was approved, and even just recently paid it in full with the same job that I've been working since 1987. I advised the company of this information and still they gave no further assistance, brushed me to the side, and upheld their unfair lending practices. I would greatly appreciate these practices being reviewed as they are clearly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Back in XXXX Chimed closed my account and handled over XXXX of my money I sent them everything they requested I still have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was reviewing my credit report and saw this account that was NOT familiar to me and I contacted the listing agency portfolio recovery to inquire about this account. 
They could not verify my information to match what they have hence they were unable to establish that I was the correct person. 
However the account I disputed they in response said it belongs to me. 
I have never received any notification from this agency to dispute this fraudulent account that has been opened. 
This is hurting my credit and is against the law to place this account on my credit profile without giving me the right to dispute this account. 
They need to show what legal proof they have to ensure this account belongs to me since when I called they dont even have my correct date of birth associated with this account that they are reporting on my credit file. 
This violates my FCRA ( A creditor failing to notify you when it supplies negative credit information that has not been verified ) please understand what verified means exactly not just a form that this company has mailed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
BarclayCard 's payment amount taken does not make sense. BarclayCard took more than the current balance was and thus the account now has a credit balance. They state that they will wait up to 5 days for funds to clear and an additional 10 days ( 3 weeks if business days ) to receive a paper check. The XX/XX/2020 statement balance was {$700.00}, due XX/XX/2020. A credit of {$420.00} posted XX/XX/2020 and I expected the payment amount to be reduced to the remaining {$270.00} due ; however, {$690.00} was taken on XX/XX/2020 which was greater than even the current balance at the time. I recommended that they reverse the initial ACH & deduct the appropriate amount instead. 

On the billing statement it states that it will be adjusted down if your Current Balance is less than the dollar amount you've selected however this did not happen : REMEMBER ... YOU ALREADY SCHEDULED YOUR PAYMENT This month your statement balance of {$700.00} is scheduled to be paid on XX/XX/2020. Thank you for taking advantage of our Repeat Payment system. 
It's an easy way to make your payment each month. 
Please be advised that your payment will be adjusted up if the Minimum Payment Due on your statement exceeds the dollar amount you've selected or down if your Current Balance is less than the dollar amount you've selected. This payment information is accurate as of your statement closing date. If you need to make changes to your payment you can do so until XXXX XXXX ET on XX/XX/2020. For more information on your Current Balance, please contact us at XXXX or visit us online at BarclaysUS.com.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I applied for an XXXX XXXX XXXX 1 year ago. XXXX chose American Express as the card company. I never used the card for any legitimate purpose. Nearly XXXX charges for $ XXXX {$5.00} were made over 4 months to a company which doesnt exist. Amex never once caught the fraud. They only called me to tell me to pay more late fees. When I spoke to their fraud department they agreed that it was a clear case of fraud and promised to fix the problem. Instead Amex after 6 months sent this to outside collection affecting my credit score. Amex will not allow me to speak to a supervisor and no longer even allows me to speak to the fraud division. XXXX has tried to speak to someone at Amex on my behalf but only to transfer me to the general division which is useless. They dont feel any obligation to help. Because Amex has no fraud detection and a fraud department with no customer service I am left to fending for myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The inquiries here were not authorized by me. You can see that some of this inquires are automated and duplicated. These all are labeled as soft and Hard inquires. 

Soft Inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXXLIMITED Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Interview System XX/XX/XXXX XX/XX/XXXX LIMITED Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Account Review InquiryXX/XX/XXXXXXXX, XXXX XX/XX/XXXXReport XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional XXXX XX/XX/XXXX XXXX Promotional XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXPromotional Inquiry XX/XX/XXXX XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXXXX/XX/XXXXAutomated Consumer Interview System XX/XX/XXXXXX/XX/XXXX Automated Consumer Interview System Hard Inquiries XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX this XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX

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 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This debt is not owed. The medical facility, XXXX XXXX Hospital, did not properly bill the insurance company. I contacted the insurance company and they were waiting for information to be submitted. I contacted XXXX XXXX Hospital multiple times asking for this to be properly submitted. 

They sent the bill to collections without responding to my requests. 

This bill has been shifted to two collection agencies that I am aware of. 

Now it is with Phoenix Financial Services LLC, and they did not respond to multiple communications. 

They set this debt against my credit score, reducing it. 

No one is listening to my complaints, please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
A lady named XXXX XXXX left me a message and called my mother in law. She said she was from XXXX XXXX XXXX ext XXXX and she was going to sue me for check fraud from a debt owed to check n go from 2013 and also called my mother in law and told her she and my father in law would have to go to court also. She states the balance is {$2600.00} and if it goes to court it would be over {$20000.00}. She gave my mother inlaw all of the information also. 
Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: MN

Complaint narrative:
I reached out to my mortage company on XX/XX/2020. I requested a Forebarance. I was told by the rep I had already used my forebarance periods, except 1. I asked her to look up that I had not ever missed a paymet before XXXX, however, she didn't speak english and I couldn't understand her. I asked for a translator, via email but no one ever responded to me. I did request the 1 last forebarance period Homebridge said I had online, but was denied. Now they are showing a late payment. I have tried reaching out 6 times via chat and email but they always give me a canned answer or disconnect.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The inquiries here were not authorized by me. You can see that some of this inquires are automated and duplicated. These all are labeled as soft and Hard inquires. 

Soft Inquiries XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS RPT XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Account Review InquiryXX/XX/XXXXXXXX, XXXX TRUSTED ID/EQUIFAX ID Report XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System Hard Inquiries XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX thisXX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This account with Capital One was paid in XX/XX/2020, but the company is still reporting the account as a collection/charge off account with XX/XX/XXXX and XX/XX/XXXX. This collection/charge off is showing up in the account status and payment status. These statuses are incorrect. The company should have updated these statues when the account was paid and closed. I disputed the information and the company verified the statuses as accurate, which obviously is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
2 of the 3 credit agencies had my current address listed incorrectly. A quick phone call to one of those companies (XX/XX/XXXX XXXX fixed the issue. However, despite 3 contacts with EquiFax ( and an email claiming that my address was fixed ), my current address is still listed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I own a small fitness manufacturing company that was severely impacted by the Covid-19 pandemic. Most of my clients have been forced to close and we have had a shelter in place order in my state earlier this year. Needless to say it has been a struggle to keep the business operating and pay my bills on time and I certainly appreciate that most of my creditors have been very sensitive to the pandemic and understand that many Americans are struggling financially during this time. 

However, I am writing in regard to TD Bank where I have an overdraft line of credit for more than 10 years. I always make payments via online transfers to this account on time, however, during the month of XX/XX/2020 this year I just did not have the money to even make a minimum payment. I was shocked when I was reported as 30 days late and saw my credit score drop by 75 points, which now affects my ability to borrow XXXX money offered by the XXXX. I disputed this through the credit bureaus but TD Bank would not remove the late mark, only added a note to my file which does nothing for my case. I need TD Bank to remove this negative mark immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
approx 2 mos ago i contacted synchrony paypal mastercard to inquire about a refund for a return retail item, i was asked do i want to activate my card, i said i did not know my card was not active nor did i request a new card, i was told i should have received an updated-i did not, they said no problem we will replace, it has been replaced twice and is now ok -no charges were ever put on those missing cards, i now have an active card with the same XXXX limit and XXXX   balance as before. The problem is that someone listed the account as closed-it has never been closed nor behind in pymts, i feel the error is that card was only replaced and someone in error has listed it this way. It shows as a closed account on all three bureaus although it is open with the XXXX limit and XXXX  balance which is correct, this has adversely affected my credit report and score. this account is still open with an exceptional pay history and XXXX limit with a XXXX  balance-current card ends in XXXX, i have confirmed this with customer service

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 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: MD

Complaint narrative:
Around XX/XX/XXXX I received a letter from Dynamic Recovery Solutions dated XX/XX/XXXX. The letter states there client XXXX XXXX XXXX has purchased my debt from XXXX XX/XX/XXXXand they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by Dynamic Recovery on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX Dynamic Recovery responded with a XXXX  document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to Dynamic recovery with a copy of the receipt to XXXX XX/XX/XXXX showing account was paid in full on XX/XX/XXXX. I requested Dynamic recovery to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, Dynamic Recovery sent another letter. This letter was similar to the original letter. Dynamic Recovery never acknowledges receiving the copy of the receipt showing paid in full. Dynamic Recovery is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: MD

Complaint narrative:
Around XX/XX/XXXX I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX. The letter states there client Pendrick Captial Partners has purchased my debt from XXXX XXXX  and they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by XXXX XXXX on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX XXXX XXXX responded with a XXXX  document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to XXXX recovery with a copy of the receipt to XXXX XXXX showing account was paid in full on XX/XX/XXXX. I requested XXXX XXXX to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, XXXX XXXX sent another letter. This letter was similar to the original letter. XXXX XXXX never acknowledges receiving the copy of the receipt showing paid in full. XXXX XXXX is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.

Company response to consumer: Closed with explanation