vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield has attempted to collect a debt utilizing illegal tactics. They were unable to verify this debt and had to have it removed from my credit. In response to this they decided to change the name of the company and re-report it as HWarfield instead. This is an illegal tactic as it should not be on my account due to the fact that it is not my account and unable to be verified. This is illegal and causing me great damage as I am attemting to purchase a home and this is stopping that process possibly leaving me and my family without a home.

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 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting MACYS DEPARTMENT STORES ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Accounts was open with wells fargo n XXXX  XXXX XXXX by someone without my permission now im unable to start a account with any bank

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 2021-02-23 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: CO

Complaint narrative:
XX/XX/XXXX Discovered Trans Union had billed my credit card {$24.00} for service I never requested. 
Tried to contact the Trans Union Office listed on my credit card account. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX. XXXX. The phone is disconnected. The latest try was this morning Via information from XXXX XXXX contacted Trans Union on XX/XX/XXXX. They had no record of a request but wanted the credit card # that was billed. I declined because I would no longer have a way of proving that they were not voluntarily given the credit card number in XX/XX/XXXX. I offered the last 4 digits but they insisted on the full card number. 
I had the credit card company reverse the charge, and after investigating they did so XXXX/XXXX/XXXX Trans Union billed my credit card again. Although I had a new card the credit card company put the charge through not realizing it was reoccurring from the month before. 
Although the credit card company has sent the third card I will not activate the third card. 
Upon checking my XXXX XXXX account I discovered that on XX/XX/XXXX Trans Union had downgraded my XXXX XXXX by 41 points. Giving me a credit score of XXXX. 
Upon looking to see why there were 8 changes listed responsible for the change.

6 changes were a decrease in amounts due to timely payments. 1 was the removal of a bankruptcy public record. The 8th change was an increase of {$22.00} on a credit balance. 
I believe that Trans Union 's actions are retaliatory for not accepting the fraudulent charge of {$24.00}. 
The 2nd Reporting Agency on my XXXX  account is XXXX. That score is XXXX and rising.

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 2021-02-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I have received several statements charging my Shop Your Way Master Card for services I have not used. These charges have been made out of my location. I live in XXXX XXXX and since XX/XX/2020 I have not been out of my location due to COVID 19 pandemic. I have dealt with Shop Your Way Cardmembers Services with no results at all. I have finally submitted all my cards ( chopped ) and asked them to cancel or close any account under my name.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I refinanced my mortgage with United Wholesale Mortgage on XXXX, XXXX. In XXXX I contacted them and asked them if I should pay for the county property tax. They said yes and they will start paying taxes starting XX/XX/XXXX installment period. I then paid my county property tax. However UWM also deducted {$4400.00} in XXXX from my escrow account. 

I have contacted the county and they said they only received my online tax payment. They don't show any double payment. I contacted UWM many times and as of today they still have not refunded my escrow account. Their customer service keeps saying wait 2 weeks and it has been over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: DISCOVER BANK
State: KS

Complaint narrative:
I have seen inquiries from companies that I dont know nothing about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Our lender overcharged escrow through loan modifications XXXX and XXXX plus legal fees and principal reduction on XXXX modification which is resulting in high interest for wrongful charges in our balloon payment. They violated the hamp principal forgiveness program, they did not service us from XX/XX/XXXX until XX/XX/XXXX ( 14 months ) which damaged our credit. They could not provide XXXX form for XXXX. They charged us for processing phone payments, charged excessive fees, Return payments, to charge XXXX in legal fees for the return, they did not credit us surplus for escrow in XXXX they violated false claim act with the hamp program

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I purchased furniture from Macys and they gave me {$2500.00} credit limit on XX/XX/XXXX. I was making my regular monthly payments and most months double the monthly payment. I was in good standing and abiding to my credit agreement. Without notice they lowered my credit limit to {$2100.00} which put my account in over the balance. As of XX/XX/XXXX my outstanding balance on account is {$2600.00} and that's after making payments that have increased from {$24.00} per month to {$100.00} per month. I called to talk to customer service and they said they just randomly checked my credit in XX/XX/XXXX and my credit score had dropped. I had just bought a new car at that time. They were not willing to reinstate my credit limit and basically extorting all the previous payments I have made towards the balance on this account for the past 16 months and then some with interest and late fees. Macy 's is ruining my credit. This can't be legal. I have never had a credit card company lower my credit limit to purposely cause my account to go into over credit limit so they can get more money with late charges and fees!

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 2021-02-23 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Prime Choice Funding Inc.
State: TX

Complaint narrative:
I have signed the refinance paperwork with PrimeChoiceFunding Mortgage on XX/XX/XXXX for a XXXX  days lock based on the advertisement flyer that came in the mail in XXXX of XXXX. As of today XX/XX/XXXX XXXX 3 months later ) I have not received any updates on my closing date and have not been able to receive any updates on the status of my file. It is misleading to keep the consumer on hold for such a long period of time with no updates and no end date after offering a XXXX  days lock in. It is a desperate situation. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I received a correspondence letter from Portfolio Recovery XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via XXXX, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from Portfolio Recovery XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ). I, again, received a second correspondence letter from Portfolio Recovery XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via XXXX, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from Portfolio Recovery XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL

Complaint narrative:
Heartland ECSI has been retaliating against me regarding my complaints about their service. 

I obtained multiple student loans through my school, XXXX. For now, my school chooses to service its student loans through Heartland ECSI. My school put all student loans into forbearance until XX/XX/XXXX. Heartland ECSI sent me a false statement for XX/XX/XXXX saying I owed {$1200.00}. I then received another false statement for XX/XX/XXXX saying I owed {$1500.00}. Heartland said that it would fix the statements. 

Heartland makes it extremely difficult and time consuming for borrowers to make payments towards a single loan. I prefer to apply extra payments to loans XXXX at a time to pay them off faster, thereby removing a payment. I also target the higher interest loans first. Heartland requires borrowers to make a payment, which is applied against each loan. In my experience, most of the money has gone to the lowest interest loans, thereby extending the length of the loans. Entering this payment takes a few days. The borrower must then contact XXXX 's customer service to enter a request to adjust the loan to be applied against only XXXX loan. 

On XX/XX/XXXX, I made an extra payment of {$2800.00}. I then requested that this payment be applied to a single loan. Because Heartland had not fixed the false statements that it had been sending me since XXXX, I was misled into believing that my account was current. The next month, I was surprised when I was informed that I needed to make my monthly student loan payment for XXXX AND for XXXX. 

It took many conversations over several months to figure out that this is what had happened. After I informed XXXX 's customer service rep that I was saving my conversations with them, Heartland removed the option from the end of my chats to save a PDF of the chat. I have been saving XXXX docs and screenshots now instead. 

Just today, I was informed that if I want to keep making one-time extra payments in the manner that XXXX told me to many months ago, I need to be aware that Heartland XXXX deny my requests to adjust those payments to apply only to a single loan. Instead, the rep suggested that the preferred method is to set up an automatic recurring payment. That would be fine if I had a fixed extra amount that I was paying on a regular basis. But I do not. That means that XXXX 's default of applying payments to the lowest interest loans will lengthen the amount of time borrowers are forced to service their loans with XXXX and deal with their misleading and dishonest business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX 2021 I mailed, via certified mail, return receipt requested, my standard mortgage payment to Bank of America , N.A ( " BoA '' ). ; i.e. the monthly mortgage payment of {$1600.00} and an additional principal payment of {$200.00}, for a total of {$1800.00}. The payment was due on XX/XX/2021 and postal records show the payment was delivered on XX/XX/2021. On XX/XX/2021 I received my XX/XX/2021 statement indicating that I owe current charges of {$1600.00}, past due mortgage of {$1600.00} and a late fee of {$63.00}. 

Re : BoA.Complaint No. XXXX : I contacted BoA ; spoke with XXXX XXXX, After being put on hold for approx.10 minutes, Ms XXXX informed me that Mr. XXXX XXXX stated that my mortgage payment had been applied to escrow, my additional payment toward principal and a late fee assessed. According to Ms. XXXX, he further stated that when payments arrive earlier than due date they are applied to escrow. Totally bogus explanation. I have been a BoA customer for 31 years and always paid my mortgage earlier than due date ; this never happened before. I filed a complaint but do not have any faith that BoA will timely resolve this matter.

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 2021-02-23 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-23 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 sent multiple letters to TransUnion disputing the inaccurate reporting of the following account : XXXX Account # XXXX They are reporting this as an " Auto Loan '' and the contract from XXXX XXXX states it was a Motor Vehicle Retail Installment Sales Contract ( See attached document ). 
Transunion 's last response on XX/XX/2021 verified all information being reported was accurate and correct XXXX XXXX attached document XXXX XXXX reporting is a FCRA violation. 

Also they are reporting a recent missed payment from this account and that is also inaccurate and dropped my credit rating XXXX points! I am in a financial bind because of the pandemic and my bank declined me a credit line increase due to recent payment history from TransUnion XXXX XXXX attached document ). This inaccurate reporting has been causing me tremendous stress! XXXX not reporting a recent missed payment like TransUnion. XXXX XXXX attached documents ) I have 100 % on time payments! TransUnion has failed to complete a proper investigation.

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 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: PA

Complaint narrative:
Went onto XXXX XXXX and noticed an account that was not mine and addresses that don't belong to me. I have tried to dispute this numerous times because it is not my debt to collect. This collector started from speedy cash and as you can see I live in Pennsylvania and speedy cash is not offered in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
My original student loan debt is owed to the XXXX XXXX XXXX XXXX, and I contacted them years ago disputing the balance of my student loan, which at that time was {$7100.00}. Unfortunately, my student loan account was never reconciled by XXXX ; however, my account has been transferred to numerous ( XXXX or XXXX XXXX collection agencies over the years, and each agency has added on unethical collection fees and interest. The present owner of my student loan is XXXX XXXX XXXX XXXX, and total principal and interest was noted as {$16000.00} in XX/XX/XXXX. I have spoken with several representatives of XXXX in attempts to rectify my account, but I was informed that collections are handled by GC Services Limited Partnership, XXXX XXXX, XXXX, TX XXXX. In XXXX, I paid {$2500.00} in student loan interest ; in XXXX, I paid {$5700.00} in student loan interest to XXXX. 

I submitted a settlement offer XXXX XXXX XXXX to GC Services, but I have not heard from them, and I have not received any written communication from XXXX or GC Services since XXXX ( the midst of the coronavirus epidemic ). Is it possible that the recent natural disaster in Texas which left millions without power and clean water has affected standard ethical business procedures for many corporations doing business in Texas right now? 

Yesterday, XX/XX/XXXX, my employer informed me that garnishments are to resume in 3 days for approximately {$700.00} per month. As most people, I have experienced financial issues during this world-wide epidemic and it would cause me great hardship during this time to pay {$700.00} each month. I was under the understanding that student loan collections are still on hold due to the XXXX pandemic and I'm requesting a moratorium on my student loan, as directed by President XXXX in XXXX orders and/or other legislative agreements made during this pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi Card is reporting an account on my credit that is not mine. I recently checked my credit file and noticed that this account was reporting on there. I have been disputing this account with the bureaus and they keep verifying it? It says I am an authorized user but I never signed any paperwork or gave Citi Card permission to report on my credit. This account is not mine and I need to be removed as an authorized user.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I paid off my card with Chase bank {$4000.00}. leaving XXXX balance. Now they want me to pay XXXX {$35.00} XXXX interest a month later. Our agreement is for interest to be paid on remaining balance after each months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credilife ...A Financial Wellness Company
State: OH

Complaint narrative:
I have never been a client of this company, nor have I given permission for them to contact me via ANY means, yet they seem to know my name and phone number. They contacted me via text message last week. This is not OK with me.

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