vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from using my over {$200.00} balance. Paypals claim is that I need to provide them with my bank account number. 
On XX/XX/2009 my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
I want to continue to buy and sell using my paypal account with my credit card on file, as I have been for the last 10 years without putting my banking and personal info at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo sends out false statements informing borrowers that their refianced student loans are ready to view online when there is in fact a 48 hour waiting period.

I spent 30 minutes of my time on hold and talking with a representative to figure out they had sent me innaccurate information. This is a loss of productivity that for one person is small but for thousands or more could add to a significant impediment.

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 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I had a 12 month agreement with Comenity Bank and it expired on XX/XX/19. The company never gave me information to pay it off and then I was charged a finance charge on XX/XX/XXXX that didn't appear until two statements later in the amount of {$370.00} If it would've been communicated, I could've paid off and avoided the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: OK

Complaint narrative:
On XX/XX/19 I called Amcol systems Inc to try and resolve my debt. I was unaware that this debt was being sent to them by XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I offered to make a monthly payment of {$25.00} until my debt was resolved. Amcol stated they would collect my payment, but would not report to the credit companies that any payments were being made unless the amount was at least {$59.00}. That is an unreasonable amount, as I am trying to make arrangements to pay off other debt as well. I would like this to be removed from my account if Amcol is not willing to work with me on the payment arrangement I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Neil Huffman Automobiles Inc.
State: IN

Complaint narrative:
Me and my husband when to Neil Hoffman family of dealers in XXXX Ky on XX/XX/19 to purchase a vehicle, We were purchasing the vehicle with cash, they had me fill out some paperwork which they told me was for the title and registration and also for the purchase order, by my surprise, on XX/XX/19 I received a letter in the mail detailing that I was denied by their credit department for a vehicle loan, Not once did they inform me that I was completing a loan application or ask me for any details about a loan application, I contacted the dealership on from XX/XX/XXXX - XX/XX/XXXXto inquire about why my credit was checked for a cash purchase with no call back, I am in contact with the credit reporting companies to get the unauthorized credit pull removed as it dropped my score

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Paying a loan where funds are not going towards my principal amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
disputed with capital one and information came back with an address that didnt bong to me ( belong to ex ). never received any information on account that was closed out/charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: IL

Complaint narrative:
Okay, so every time I apply to job & the company runs a Background check it always come back inaccurate.The charges & criminal history is not mines, I have no criminal background.Me & this person so happen to have the same name unfortunately for me.I have called first advantage & filled multiple disputes and it continues to happen time after time after time.I Just want my name cleared cause this misunderstanding been costing me jobs.I would really appreciate it if I can talk to one of you to verify who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX  XXXX and jc penny. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I was told by customer service to submit a letter and than when I got a letter back basically implying I did make these inquires which is in accurate I have made every attempt to call any # on the letter and have told each person I have spoken to that I need a rep to call me back so we can resolve this matter as I don't want my credit score effected by something I did not do. 

There was a letter in mail from a women XXXX XXXX who I have left over 10 messages with to call me to no call back. I have spoke to others at synchonry back and just keep getting the run around. It's been over 30 years and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. 

In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.

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 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called Paypal back and told them I knew I just missed this one payment this month but intend on making a late payment. The gentleman told me the bombardment Id calls would not stop until the payment is made. I told him I wanted them stopped ASAP!

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 2019-05-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Somebody used my personal information, i was victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX department store. My credit limit was {$2200.00} dollars with only one late payment reported on my credit history with the credit card. In XXXX, I received no mailer ( although they said that they mailed one ) that my credit limit was being decreased. The decrease was not due to my credit history with XXXX XXXX, but with a recent pull of my credit report. XXXX XXXX reduced my credit limit to just {$14.00} above my balance. This limit would be me over my new credit limit once the interest posts ( about $ XXXXmonth ) for the current month. When I called, the representative told me that the credit reporting agency determines the credit limit. After talking to a supervisor, they said that it was due to information received from the credit reporting agency. My issues and questions are as follows : 1. Why would XXXX XXXX pull my credit report again after establishing credit with them? 
2. They do not offer automatic payment options ( only one time early schedule ) which seems predatory because then they have a greater chance of missed payment and increased fees. 
3. Because they decided to decrease my limit, they have made it look like I have maxed out my credit limit ( which damages my credit ) when they actually decided to decrease it by {$800.00} in less than a week before statement cutoff time. Prior to the decrease, I used 59 % of my credit limit, after the decrease, I am 99 % of my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: FACTUAL DATA CORP.
State: RI

Complaint narrative:
My credit report shows an inquiry made by a company called Factual Data on XX/XX/2019. I never contacted this company and want to know how and why the ran my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have CITI Bank oldest Credit Card ending XXXX Since XX/XX/XXXX and this account payment never late /past due. recently i request for Credit limit increase on XX/XX/XXXX and they use XX/XX/XXXX credit score XXXX during this credit card in past highest credit line was $ XXXX.according to recent credit report my on-time payment is 100 % and one account was delinquent due to enroll in modified mortgage program. They credit increase not approved base on ( 1 ) Serious delinquency. ( 2 ) Ratio of revolving balance to credit limit too high. BUT my delinquency account ( Mortgage account ) is current and good standing as of now and in order to lower balance to credit limit i request credit limit increase requested. so they use old score and negative account take into consideration BUT they do not consider that this account holder is charter member since XX/XX/XXXXand never late on this account they should increase limit as loyal and charter customer who has account 20 year and 11 month old.

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 2019-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
my score wend dow 42 points ( Only Transunion ) 3 inquiries and all claim they did not request credit info I am not in system XXXX XXXX XXXX XXXX Only other item XXXX XXXX upped my credit line by {$200.00} for good payment history. Can not get a hold of XXXX XXXX, they are the ones that gave the info to transunion. I have been trying to repair my scores and not they drop it after months of it going up. no one seems to know why or when and they all act like it is no big deal It is to me please help

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 2019-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Debt Holdings, LLC
State: MI

Complaint narrative:
XX/XX/19 I was called regarding a debt to be paid, by a attorney from XXXXXXXX XXXX XXXXXXXX. I felt pressured to make arrangements because I was told my license would be suspended. I then noticed while making arrangements it was with national debt holdings and my debt was recently sold to their company XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I opened a loan with this company many years ago. I've written several letters asking for original agreement and also a history of payments. They have refused to send this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: ID Analytics, Inc.
State: NY

Complaint narrative:
SageStream had been refusing to send my fcra report! 

For a very long time! 

SageStream was hiding behind the excuse that they allegedly needed certain things re-sent by fax from me! 


Me & another person - we fixed a fax machine! 
We sent the fax that SageStream said to send! 

We got an error message saying that the fax machine on the other end - that is - SageStream 's fax machine - was turned off! 

Apparently - SageStream turned off their fax machine! 

Now - SageStream will - probably - use that as an excuse to still not send the fcra report that they were legally required to send!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX Services at XXXX XXXX Hospital XX/XX/XXXX Bill received {$34.00} XX/XX/XXXX Bill paid via check # XXXX XX/XX/XXXX Check processed, verified via bank XX/XX/XXXX Bill again for same services {$34.00} XX/XX/XXXX Called XXXX , spoke to XXXX about bill already paid, said a search would be run XX/XX/XXXX Received notice of Collections for {$91.00} from XXXX XX/XX/XXXX Attempted to call Nationwide spoke to XXXX who could not help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
My husband and I have joint finances and have for 13 years. All financial accounts are in both our names. I wanted to apply for an American Express Platinum card, and when I did, I was offered XXXX membership rewards points. When my husband completed the same application, he was offered XXXX membership rewards points. When I called American Express, they refused to provide an answer as to why he was receiving better financial terms than I was, but insisted it wasn't sexism, and we overtly hostile to me when I suggested that it was. Opening the card in my husband 's name doesn't work, because certain benefits are unique to the cardholder, such as gold status at hotels, and I travel for work and he does not. For me to even be an authorized user that gets those benefits is another {$170.00} a year. 
This is unacceptable behavior, in which they will be able to claim their is some other made up reason for treating us differently, when the only difference between us as far as our finances is our gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: TN

Complaint narrative:
I went under contract on a home with a XXXX XXXX home on XX/XX/19. I applied for a loan and was prequalified through DHI Mortgage ( Company NMLS # XXXX, Branch NMLS # XXXX ), their lending company. 

I received a loan application about a month later, but my finances had changed. I informed the current loan officer, XXXX, NMLS # XXXX, that my current financial position is not the same. I have also informed XXXX XXXX, the sales representative. I have asked them both to update the loan application because I will not sign for a loan that I don't qualify for. I did the right thing and disclosed my current financial position. XXXX XXXXXXXX and DHI Mortgage are trying to force me to apply for a loan with incorrect information because based on the inaccurate information, I qualify for the loan. They will not update the information in question, and are telling me I have to withdraw from the contract and forfeit my $ XXXX earnest money. 

I have requested several times to have the loan application updated, and they keep telling me they will not update it because based on the old information I still qualify. I have explicitly stated that I am aware that misrepresenting finances on a mortgage application is mortgage fraud. They are refusing to update the information and refusing to refund my earnest money, because I'm unwilling to commit mortgage fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CommonBond, Inc.
State: CA

Complaint narrative:
During a refinance process, I received confusing communication regarding my loan balance and as a result of this miscommunication, my account was reported as late and adversely affected my credit score unfairly. I now have to spend a ton of time disputing my credit with the bureaus as a result of their faulty operations. This has been a total nightmare.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. I sent a certified letter to Trans Union stating that XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. Trans Union has disregarded my proof of XXXX XXXX XXXX  's violation of the law and refuses to remove this trade-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 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Choice Recovery, Inc.
State: NV

Complaint narrative:
I received a credit alert that I had a new collection attempt on my credit report. The alert shows Choice Recovery Inc is attempting to collect a dental bill. I have no knowledge of this. I also did not receive any documentation related to the collection attempt. 

Choice Recovery Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I have contacted Choice Recovery and have not heard back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation