vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 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: ERC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: PA

Complaint narrative:
Comenity Bank handles the credit cards for XXXX XXXX Stores. I have not been receiving mail in a timely manner, and I did not receive my XXXX XXXX bill. When I receive my next bill, I had incurred a late charge of {$35.00}. I called Comenity Bank and asked them to remove this late charge because of these circumstances. She agreed to remove this charge and I agreed to pay the account in full. 
I received this bill on XX/XX/2021, and I saw that the bill was due on XX/XX/XXXX. I asked if my payment would arrive on time if I sent it in for XXXX Online Bill Pay to pay it on XX/XX/XXXX. We agreed that this was agreeable, and I asked her to notate my file that I would be closing the account and sending in the payment on that day. On XX/XX/XXXX, I received the attached bill, which I didn't understand ( and I still don't ). When I called to ask about it, I was told by the customer service representative that my balance is {$29.00} : she said my bill is paid, but I still owe {$29.00} due to a late fee because my payment was not processed by Comenity Bank until XX/XX/XXXX, and it was due on XX/XX/XXXX. I was further told that if Comenity Bank did not receive this late fee payment by XX/XX/XXXX, I would have incurred another late fee of {$29.00}. I think I would be given a better deal by the XXXX 
My complaint is that Comenity Bank did not honor their agreement to accept my final payment which I told them would be sent on XX/XX/XXXX, Comenity Bank charged me a late fee when I should have a XXXX balance, and Comenity Bank wants to charge a late for a late fee. Isn't that illegal, or is it only immoral?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX I called Synchrony Bank asking for covid assistance on a store credit card that exited a no interest promotion in the second half of XXXX. At the time the no interest promotion expired my balance was a little under {$3000.00} and since the time the no interest promotion expired at the end of XX/XX/XXXX I have been charged {$2700.00} in interest -- while continuing to make $ XXXX/mo payments and not incurring new charges -- which is completely absurd. My balance today is just under {$4800.00} ... 

This was my second call to the company asking for help in XXXX of XXXX and in both calls I spoke to five total agents, supervisors, and managers who all told me they are not permitted to provide any assistance. The supervisors and managers repeatedly state that they are " unable '' to help me in any way, and when pressed to clarify they have said they made a business decision to not waive any interest charges even when people express a need for assistance due to covid relief. One associate also told me that I should have called sooner because they stopped helping people in XX/XX/XXXX. 

Working in a financial services industry myself, I know that the phrase " unable to help '' is a lie and really they are actively choosing to inflict predatory interest charges and provide no meaningful assistance during a pandemic. 

This firm ought to be ashamed of itself and I hope by raising this complaint with a federal government regulator they will be motivated to do the right thing.

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 2021-02-20 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: NY

Complaint narrative:
My loan is included in the Santander Consumer sub prime loan nys class action settlement. My account was closed per the settlement agreement but they still havent cleared my title, still no money sent to me and they as recently as XX/XX/2021 reported this account as a charge off to all 3 credit agencies with an outstanding balance of {$2200.00}. because of this i was denied a mortgage and my credit score is in the toilet. I have been fighting this company since XXXX was charged nothing but interest for years, had car repo several times and then forced to pay {$10.00} a month just to make online payment because if i mailed it they would hold it until after due date then charge me late fees. They owe me thousands of dollars and my title and now they are ruining my credit. When is this company going to get shut down. I helped XXXX do an expose article on them and they are still allowed to ruin lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: PLAZA HOME MORTGAGE, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. Plaza Home Mortgage was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called Plaza Home Mortgage on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called Plaza Home Mortgage on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: CA

Complaint narrative:
On XX/XX/2021 I sent money to someone through VENMO in the amount of {$1300.00} that turned out to be fraud. 

Venmo said they could not help and proceeded to pay out the fraud/scammer. They agreed to " investigate '' but in the meantime have done nothing for 2 weeks. Their customer service team passes me to account specialists who pass me back to customer service and " supervisors. '' They have been taking me in circles this whole time. 

I had to call XXXX XXXX  XXXX to block these charges. Meanwhile, my friends on venmo sent me money without knowing about my account investigation. VENMO proceeded to take that money ( {$200.00} XXXX to pay themselves back. Today, Saturday, XX/XX/XXXX, another friend paid me {$50.00} for a birthday collection and VENMO proceeded to steal that from my account, and sent me a bill saying " by the way, you still owe us {$1000.00} from the previous charge '' with no update on the fraud investigation. 

Anything that hurts their bottom dollar they are quick to to chargeback customers, but anything that they may owe goes through weeks of investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Consumer financial protection bureau case # XXXX Still unresolved I had taken a loan with XXXX through USBank, I was trying to pay the lien off as I had a buyer. Long story short was given misinformation and I spoke to the executive department about getting my wire transfer fee back, XXXX said to email her the charge, I did although the company misinformed me about doing a wire fund I too if the ACH I already paid. The wire transfer was sitting in the general ledger and never used to pay the lien off. I had to get that refunded back to me but it cost me {$30.00} on top of the misinformation from the employees which they have clearly written and accepted. However refusing now to reimburse me the {$30.00} that cost me the charge for wire transfer due to there employee wrong information to send.

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 2021-02-20 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: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Back on XX/XX/XXXX I contacted the Frist Bankcard of Omaha disputes department to dispute a charge by XXXX XXXX XXXX for the amount of {$1600.00}. On XX/XX/XXXX, the charge was posted to my account for XXXX XXXX XXXX to move me from XXXX, XXXX to XXXX, XXXX. I contracted XXXX XXXX XXXX to move me on the days of XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX never showed up or provided any services to me during my move. 

XXXX XXXX XXXX charged me twice for the same amount. Once on XX/XX/XXXX and again on XX/XX/XXXX. Each time the charge was for {$1600.00} for a grand total of {$3200.00}. Both XXXX XXXX XXXX charges of {$1600.00} are not valid transactions because no services were provided per the moving contract. 

Frist Bankcard of Omaha has been unable to reverse both invalid XXXX XXXX XXXX charges. The {$1600.00} put on my accounts balance on XX/XX/XXXX is now due for me to pay on XX/XX/XXXX even though I did not receive any services from XXXX XXXX XXXX. The {$1600.00} put on my accounts balance on XX/XX/XXXX is still in dispute. No notification has been given to when this charge will be resolved. This charge is a double charge and I did not receive any services from 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 monetary relief
Consumer complaint received 2021-02-20 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: Security Credit Services, LLC
State: NV

Complaint narrative:
On XX/XX/2017, Security Credit Services was reported and added a derogatory mark on my credit report per XXXX XXXX in the amount of {$2400.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, ( Security Credit Services ) has violated my rights as a consumer and I am requesting legal action to remove this account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I tried to open an account with Chime on XX/XX/2021 and was rejected based on information from a 3rd party.

After inquiring about the reason and the information of the 3rd party so I could direct potential questions to the 3rd party, Chime insisted in both refusing to give me a clear reason nor the information of the 3rd party they based their decision on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I am a XXXX in the XXXX XXXX whom was deployed from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, my mortgage was sold from XXXX XXXX  to AmeriHome Mortgage while I was still deployed to an austere environment. The only notification of this action was sent via the Postal Service which I was not home to receive. I had selected auto payments for the mortage with XXXX XXXX and that information was not relayed to AmeriHome upon sale of the mortgage. Subsequently, AmeriHome did not receive any mortgage payments from me for 3 months until I returned home from deployment and collected the notification in my mail. Without receiving payments, AmeriHome began to report my account as delinquent which negatively impacted my credit score ( from XXXX down to XXXX XXXX. I am a Single XXXX ( no dependents ) and the rapid nature of the deployment did not allow time to set up any mail forwarding. I contacted AmeriHome immediately to sort out this situation. At first, it seemed AmeriHome was going to help to fix the problem as they requested I send in my deployment orders to verify I was indeed deployed during the time they took over my mortgage. AmeriHome verified I was deployed and waived the late fees as I made a lump sum payment to get my account current in XX/XX/XXXX. However, AmeriHome was not willing to retract their negative credit reporting on my account with the company. AmeriHome maintained that their reporting was accurate and my inquiries with XXXX XXXX, and XXXX had the same response. It wasn't that I didn't have the monetary means to make the payments. The problem is that I was deployed, notification of the mortgage sale was sent in a manner that was impossible for me to receive in a timely fashion, and my payment information was not conveyed between the old mortgage holder ( XXXX ) and the new mortgage holder ( AmeriHome ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH CINVERGENT!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX  SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE CONVERGENT AGAIN

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 2021-02-20 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: TX

Complaint narrative:
I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.

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 2021-02-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This is the second time in less than a year, during COVID mind you, that Citi has decreased my balance for absolutely no reason, to what I owe on the card, which then makes it appear that I have maxed out a credit card. This has a devastating impact on your credit score when a credit card is above 30 % usage. They did this in XX/XX/2020 and when I filed a complaint, they raised my limit back up to what it was before they reduced it. See previous complaint I filed on XX/XX/2020. The email states it is a decision made by Citi and not by the credit agency. You can see I have a 100 % credit payment history on all my credit, car loan, etc. 

There is no reasonable explanation for this. I got this card after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {$9200.00}. I have not charged anything additional to this card. I kept my credit utilization under 30 %. I have never missed a payment. The credit limit was {$9200.00} and I only owe {$2700.00}, so less then I did in XXXX when they reduced the limit. I have not charged anything additional and am paying it off and feel like Im being punished for being responsible. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis and I have done everything right. Thankfully, I still have my job.The same job I have had 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. You can see that I have paid it down and have charged nothing else. Im doing the responsible thing here. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.

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 2021-02-20 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: OR

Complaint narrative:
I filed a complaint last month about using my new credit card and how XXXX took 126 point from me. They still haven't corrected this and I used my credit card again spending XXXX dollars on a XXXX limit and both XXXX and Equifax took points from me two weeks after purchase. My credit was in good standing until I used this credit card from XXXX XXXX. I dont get how my credit is going down for using a card and no one will explain. I was planning on purchasing a new work truck but I can't now. 150 point down on XXXX  and 30 point down on Equifax just for using my first credit card.

Company response to consumer: Closed with explanation