vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've had a credit card with Fifth Third for at least 2 or 3 years. I recently received a letter that my credit limit was decreased and the reason was very vague I've never been late on any credit card or ever had any credit card out of 10 different credit card companies to decrease my credit limit for no apparent reason. After speaking to Fifth Third it is my understanding that my credit limit was decreased because my credit score drop 7 points due to the fact that I opened up a new credit card account with XXXX 's XXXX XXXX. This is not acceptable. XXXX, XXXX, XXXX XXXX  XXXX, XXXX and XXXX XXXX have never decrease my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
Credit Acceptance provides users with incorrect account information on their web portal leading to additional fees and credit history damage. When pointed out they would not remove the marks on credit history.

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 2019-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts keep popping back up on my credit after they have been deleted, dispute dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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: TX

Complaint narrative:
These accounts keep popping back up on my credit after they have been deleted, dispute dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sets a limit on how many transactions are allowed from an outside bank account to my credit card account with them. I can't even schedule a payment for the next month.

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 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: UT

Complaint narrative:
We lived in an apartment in XXXX  XXXX named " XXXX XXXX XXXX '', for 2 years, from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, they stated we would be liable for repairs in the apartment, which we disagreed with. There was a small paint stain in the carpet a single bedroom, and they stated they would be replacing the carpet in the ENTIRE apartment as a result, which resulted in a charge of XXXX, which they informed me of over the phone after we had moved out. We told them we did not agree with this, that they were trying to basically scam us into paying for renovations on the apartment that were not our responsibility. 

After that single phone call, we received no further phone calls or letters in the mail for 3 YEARS. No attempt to collect the {$1600.00} was EVER made. Now, in XX/XX/XXXX we noticed on our credit report we had been sent to collection for the {$1600.00}, collections agency " RENTDEBT AUTOMATED COL ''. We have attempted to dispute this with the both the collections agency, who states that we are the ones that must provide proof we are not liable, but there is no proof we can provide. We are being charged for something that is not our responsibility. Further more, the statute of limitations in Idaho for property damage is 3 years. 

To reiterate everything : We lived in this apartment 3 years and 4 months ago, and no attempt to collect this was EVER made aside from a single phone call from the apartment complex, and it was sent to collections in XX/XX/XXXX, a few month after the statute of limitations for property damage in Idaho, which is 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I have recently received a Death Distribution from my deceased father placed in my XXXX Bank Account # XXXX on XX/XX/2019 in the amount of {$7800.00}. On XX/XX/2019 Messerli and Kramer collection agency levied my account in the amount of {$4500.00} plus {$120.00} Garnishment fee. I feel these funds should be exempt from any levy. I will also be contacting Attorney General and XXXX   XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC
State: GA

Complaint narrative:
I am having financial hardship. I told the company however the company continues to call me two to three times a day. The company calls my house phone, my cell phone and my job. The company has came to my house and have left messages on my door. I have asked the company to stop however they continue to call but the company has not sent me a final bill. I have not received anything in the mail but the company has continually called me since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Figure Technologies, Inc
State: NJ

Complaint narrative:
Applied for a home equity loan with Figure, an on line lender. They did not tell me I needed flood insurance before they funded the loan into my account. I had sent them a copy of my home owners insurance as requested and at that point they said maybe I would need flood insurance. I got the email this morning saying my loan was in the process of being funded and that I would need flood insurance. When I checked my account I found the money already there. I called their customer service number XXXX and spoke with an XXXX and she said it was probably not a problem that it was a form letter. However she checked on it and came back to me and said that we did require flood insurance. She referred me to her supervisor XXXX. I asked him to take back the funding he said they could not do that since the three day recession period had passed but I was not informed during that period that I definitely needed the flood insurance. Had they informed me that I needed flood insurance when I sent them my homeowners insurance, I never would have taken the loan. I feel that their business practices are very misleading and shady. Now I'm told my only option is getting the flood insurance or paying off the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TN

Complaint narrative:
I have a cash app and I have had this for a couple of years. All of a sudden two months ago they closed down my app without any warning or explanation. The continue to say I violated the transfer and there is no way possible. I was planning a trip for my XXXX birthday this month and individuals cashapp me their deposits. I see this being done every day. my cash app login was XXXX  XXXX initially and coming and being deposited into my personal account with XXXX XXXX that I have had for years. They shut it down with no warning and no valid reason. I then opened it and connected it to my business account with XXXX XXXX that I have had for several years. This cash app was XXXX  XXXX and just recently they have closed this account down. You have people using their cash app for unethical purposes and still, have an account and I have never done such a thing. I would like to know the reason for the shut down of my account and my account that I originally open re-opened. I have tried to call and communicate with them by email, but their service is awful and limited communication. I am willing to go into a lawsuit in regards to this because I am almost thinking this is some racial bias somewhere in this underlining situation. I am not a XXXX, criminal, or trying to defraud anything, so there is no valid reason of shutting down my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CA

Complaint narrative:
Around XX/XX/XXXX I was trying to get a loan and they refused to give it. I asked the reason so they show me I have a XXXX XXXX Credit Card never paid since XXXX. It was a surprised. I went to XXXX XXXX  they told me I have a Credit Card under my name since XX/XX/XXXX with a Balance of {$6400.00}. I called XXXX XXXX  I told them somebody used my identity. Even they told me that, what I remember in PA, the East side of U.S.A. I told them is impossible, I never opened that account and never lived there. I Asked Experia but they couldn't solved the situation. It is the reason I asked you because I haven't opened that account. 
This was a real surprise. 
I hope you can help me to solved this situation. My Credit is totally damage because of this.

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 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
XXXX and XXXX XXXX signed up for the USAA Cashback Rewards Plus XXXX XXXX  Card that advertises 5 % cashback on the first {$3000.00} ON BASE, 2 % on supermarkets up to {$3000.00}, and 1 % all other purchases no limit. 

We made 5 purchases all on base, and the first three cleared ( 2 x commissary and 1 x shopette   ) and was not paid 5 %. In fact the shopette purchase appears to to have been paid 1 % and the two base commissary purchases at 2 % ( default for grocery ). 

On XXXX XXXX, XXXX contacted USAA on chat and phone only to be told that the merchant code for the COMMISSARY that is clearly part of the transaction name is " grocery '' and so they won't honor 5 %. 

On XXXX XXXX, XXXX contacted USAA on chat and asked for an example of a merchant code that WOULD qualify as an on base purchase and they said they can not provide. 

I suspect that USAA knows there is NO merchant code that actually signals an on base purchase and thus they will NEVER pay the 5 % cash back up to {$3000.00} because the merchant codes are reported by the actual store. 

Additionally, USAA is a military oriented company. The commissary, shopette, and exchange are common to EVERY military member and their families. If they are a company that requires military affiliation, but then can't understand that almost ALL commissaries, shopettes, and exchanges are ON BASE then they are clearly roping service members in only to not uphold their end of the deal. 

*Details of the program and links are included in the attachment

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Contacted by 3 companies representing the same debt owed, for the same service. All three are reporting individually. 

Only 1 represents the correct provider of service. Provider was unwilling to work on payment arrangements when spoken to and turned over to collections. 

I only received 1 EMS service, copies of Ambulance Record and  Emergency Room Intake will follow. I was left in a XXXX  from this accident and released from the hospital in XX/XX/2017 to my relatives without EMS services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
SP Servicing, I am starting to get threats from you again about foreclosure on my home. I can not see why I should be still paying for a loan of {$25000.00} since XXXX. My home was paid for. But I decided to borrow this money to start my own business.This loan was not suppose to be a mortgage on my home, but a personal signature loan.As of I have been chasing this loan for 20 years. Each time this loan changes banks the amount stays the same. I never got a balance of the account because it never moved from the original amount on the statement of {$34000.00}. Now it still sits at {$35000.00}. This is unfair to me as a consumer. It has messed up my credit and I have this hanging over my head daily. Stressed. I am now XXXX years old living on a fixed income of {$700.00} a month, XXXX with a severe XXXX XXXX XXXX in my back. You accepted this loan from XXXX XXXX  and they got it from XXXX XXXX, who got it from XXXX XXXX and others. All total before you got this mortgage I have paid ( including bankruptcy in XXXX house only ) XXXX for this loan and it is still on going. I need the original deed to my property from the start of this loan. Can you provide me with the original loan contract where the transaction occurred? I feel that I have paid enough money on this house and on that loan.Now, you have people coming by my house taking pictures I should have finished paying this loan years ago before you got it. This loan was originally meant for 7 years repayment, and went from there to 20 years long.I do not owe any more money on this property. I am seeking legal assistance to battle this issue for me in my defense. When the bank crashed in XXXX I was put in a 30 year repayment plan to XXXX without my knowledge. When I asked why I was paying for this mortgage for so long XXXX said that I was repaying a {$120000.00} mortgage on my property. XXXX sold it to you and now I suppose to be paying you {$35.00}, XXXX.to this day. I know that I have been a victim of a predatory loan situation because of the multiple moving of the bank mortgage. I am aware that mortgages are transferred or sold to different banks during the length of the loan until it is paid off However, I have never reached the end of this loan yet. It is a shame for poor people to be treated this way by banks and other financial businesses. I need for this to be resolved and be allowed to stay in my home free from harassment. I don not owe any more money for this house. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I had disputed transactions from XXXX to my bank on XX/XX/2019 for charges made from XX/XX/XXXXto XX/XX/XXXX. I was told that I may not receive money back for the really old transactions but would be credited immediately for the most recent/60 days transactions. I was only credited for the older transactions. I called and they told me that they credit the older transactions first, then the newer ones in a few months. So it's a few months later and I notice they closed my dispute out and haven't credited me for any of the more recent transactions, equaling approximately {$750.00}. In which I'm sure they had declined/rejected payment to XXXX XXXX  for this. I called again and they stated I'm pretty much screwed out of that money because the initial charge was made back in XX/XX/XXXXor XX/XX/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 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a credit card with XXXX  XXXX with a special 1 year interest rate. I paid the balance off before the specified time period and the card had a XXXX balance. A year ago I charged more items on the card and once again paid. 6 months ago I charged several hundred dollars and paid again. I paid the card off last month and after the card was paid the company added XXXX in finance charges. The card was set to pay off the balance the company went back and added finance charges onto a balance that paid off and from normal use of the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I WAS ABLE TO CORRECT MY PROBLEM, BUT I BELIEVE THEIR PRACTICES ARE UNCONVENTIONAL AND NEED TO BE OVERSEEN. 
THE XXXX CREDIT CARD PROGRAM-COMENITY BANK. 
I PURCHASED ITEMS XXXX AND XX/XX/XXXX. I WAS READY TO PAY WITH MY CREDIT CARD, BUT I WAS INFORMED THAT THEY HAD A PROMOTION FOR 0 % INTEREST. I SET UP RECURRING PAYMENTS ON MY CHECKING ACCOUNT, SO COMENITY BANK WAS RECEIVING MONTHLY PAYMENTS FROM ME. I NOTICED THAT I HAVEN'T BEEN RECEIVING STATEMENTS FROM THE CREDIT CARD COMPANY AND WANTED TO SEE HOW MUCH I STILL OWED. I FOUND OUT THAT THE XXXX BANK STATEMENT WAS RETURNED AND THEREFORE THEY STOPPED SENDING ME STATEMENTS. I CALLED UP ON XX/XX/XXXX. I WAS TOLD THAT THEY WILL SEND ME THE NEXT STATEMENT ON XX/XX/XXXX. 
I BEGAN TO ASK QUESTIONS AND DISCOVERED THEY ADDED ALL THESE PROMOTIONAL CHARGES, AND INTEREST FEES OF 30 % SINCE THE PROMOTION ENDED AND I DIDN'T PAY OFF THE TOTAL AMOUNT. THEY TOLD ME THAT THEY REMOVED THEM. THEY WOULD NOT SEND ME THOSE PAST STATEMENTS SO I CAN RECONCILE THE AMOUNTS. I WAS TOLD TO LOOK ONLINE. I WAS TOLD THAT I HAD TO PAY OFF {$1200.00} DURING THAT PHONE CONVERSATION OR ELSE THEY WOULD NOT REVERSE THE CHARGES. I DID THAT UNWILLINGLY BECAUSE I HAD NO WAY OF KNOWING IF THEY ADDED EXTRA CHARGES OR FEES. I WAS PAYING BLINDLY. AFTER THAT CONVERSATION I OPENED UP THE ACCOUNT ONLINE FOR THE FIRST TIME AND I SAW THAT THE STATEMENTS WENT UP TO XXXX XXXX. TODAY I CALLED AGAIN ASKING FOR THOSE PAST STATEMENTS AND " THEIR SYSTEM COULD NOT ACCOMADATE IT '' THE REPRESENTATIVE ON THE PHONE WAS ALSO NOT ABLE TO SEE THE XXXX TO XX/XX/XXXX STATEMENTS. 
I CAN'T UNDERSTAND WHY A BANK WOULD NOT SEND MORE STATEMENTS OR POST THEM ONLINE AFTER ONE STATEMENT WAS RETURNED TO THE BANK! THEY COULD HAVE CONTACTED ME THROUGH EMAIL OR PHONE OR MAIL. I NEVER MOVED. SOMETIMES MAIL GETS LOST. I WANTED TO HAVE THIS ON FILE SO OTHER CUSTOMERS DONT HAVE TO GO THROUGH WHAT I DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MA

Complaint narrative:
I am representing my client who has a mortgage with PHH Mortgage Services. In XX/XX/2019 her loan transferred servicing from XXXX to PHH Mortgage Services. As of today, XX/XX/2019, she has never received a mortgage statement from PHH Mortgage Services. She has also been denied access to her account on line at XXXX. She and I have continuously called XXXX, to spend an average of 1 hour on hold each time, and we are only able to speak with the collection department. When we request to speak with someone in Customer Service, we are conveniently hung up on. 

Our largest concern is on XX/XX/2019, XXXX mailed the borrower a letter stating that " at this time, you have a suspense balance in the amount of {$580.00}. The total amount due is {$1700.00} ; therefore, an additional {$1100.00} is required to complete your payment. '' On XX/XX/2019 the borrower paid {$900.00} towards the arrears. Now XXXX Mortgage is stating that the suspense account only has a balance of {$900.00}, where as the balance should be {$1400.00}, with a balance due for XXXX in the amount of {$580.00}. PHH 's collection dept. states that she needs to pay {$880.00}. The true balance due for XXXX, and to bring the account current is {$240.00}, not the {$880.00} as they state. 

The borrower needs to make her scheduled XX/XX/2019 payment to XXXX but she can't until she gets answers. The borrower and I have yet to be able to get assistance on the phone.

Company response to consumer: Closed with explanation