vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 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: IL

Complaint narrative:
I have 2 accounts with comenity bank. XXXX XXXX XXXX and XXXX XXXX XXXX card. My credit limit was decreased on both cards causing me to be just a few dollars away from the new credit limit. Also in result of this my credit score was affected tremendously. I have made all my payments on time with this company and they had no valid reason to decrease my credit limit without proper notice. I also sent them a certified letter asking them to give me more details and I have not heard back from them at all. I called the customer service and the representative stated that I had a drop in my credit report. I told her that my credit score has increase over XXXX points in the last 6 months and her claims were false. I believe this was a malicious attempt to ruin my credit. I want answers and them to be fined for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Collection acct originated w XXXX/XXXX. Same transferred to XXXX XXXX XXXX XXXX. Debt fully satisfied on XX/XX/XXXX Confirm # XXXX XXXX see attached ) Told a confirmation LTR to be sent to consumer & Equifax notified to delete collection 's acct. No action to date. Called XXXX on XX/XX/XXXX, & again told LTR to be sent & report updated. Tried dispute via XXXX XXXX, but not sure on qtn and system not able to verify ID for submitting a dispute request. Then attempted to do dispute by phone. Spoke w/ XXXX but due to previous, was not able to assist. Consumer inquired about approximate turnaround time from payment to credit report update. Never given an answer. Asked numerous times to speak w/ a supervisor and waited for about 15 minutes until supervisor, " XXXX '' spoke w/ me but no resolution to submit a dispute. Tried calling D.R.S. at ( XXXX ) XXXX and was sent to a voicemail for XXXX XXXX. I left a detailed ( confirmation #, call bk # etc ) msg to request removal of debt from the report and again requested confirmation LTR as promised. Today, I called to XXXX XXXX to again request same & left msg. To date no response. Please assist me in my attempt to update my credit report and delete the collection acct as promised as the debt was fully satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
tried send money from my m and t bank with XXXX to XXXX XXXX to my account ... I guess for some reason it flaged a security thing because my m and t online banking login is blocked now I called XXXX XXXX and they are working unlock so just this is For m and t to tell the bank It was me who did the XXXX Im confirming, please unlock my online banking thanks 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 explanation
Consumer complaint received 2019-04-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a dispute online for a XXXX account reporting on my report. Equifax removed the account from my report. Then put it back up there. They completed the dispute without providing any information of the results or a contract from the creditor who listed this account on my credit. They also did not notify me within 5 days that the account would be placed back on my credit report. I called on XX/XX/XXXX and XX/XX/XXXX and was told that the account was valid without any explanation. From the attached documents you can see that it was in fact removed. As of today XX/XX/XXXX it has been placed back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have a debt collection reporting on my credit reports for an account that I never authorized. Based on the remarks listed, the account originated from a financial institution that I never opened an account with. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I purchased an XXXX laptop from XXXX XXXX XXXX XXXX. The payment is due on the XXXX of each month for {$60.00}. The account has never been 30 days past due. I usually pay the bill around the XXXX of each month. 15 days past the due date. Starting on the day after the due date or the XXXX of each month they start calling, Today the XX/XX/XXXX they called my cell phone thirteen times. This is normal for Conns if its a day past due. I used my cell for work and can not be getting constant collection calls. It will be paid at the same time each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: WA

Complaint narrative:
My Wife purchased a money from XXXX XXXX, # XXXX at XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019, she had returned to the same XXXX XXXX to cash out the money order. The department manager, XXXX could not cash out the money order because Certegy Check Services would not allow her to do so. My wife has not had an issue with getting money before. We were informed by the Manager at XXXX XXXX that we had to call Certegy and verify her information and everything would be ok. We called Certegy , they absolutely gave us the run around. They tried to give us many excuses as to why they wouldn't cash out the money order. We had explained the money order was purchased with cash, which was met with " We can not cover the cost of the money order ''. This is the same store where my wife had previously was able to get {$2000.00} in cash from them.

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 2019-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: UT

Complaint narrative:
I leased a vehicle on XX/XX/XXXX which was financed through US Bank. The payments, as agreed upon, and stated in the lease agreement is {$400.00} per month. The monthly tax that is incorporated into that fee is {$26.00}, as also stated on the lease agreement. Today, XX/XX/XXXX I received a mailed letter notice from US Bank that effective XX/XX/XXXX the monthly payment of my loan will be increasing to {$410.00} due to an increase in taxes. 

After receiving this notice I have discovered that US Bank has been charging {$27.00} per month for tax, despite the lease agreement being {$26.00}. 

I reviewed the terms of my lease and there is nothing stated that provides permission to US Bank to change the monthly payment terms in any form. It may be a trivial amount of money, but the principal US Bank NOT adhering to an agreed upon contract is highly unethical and disturbing.

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 2019-04-18 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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Against Credit Acceptance Corporation -Account been in dispute since XX/XX/XXXX - When Purchase was made no choice on lending institution- i believe preditaory -Sold a faulty product - Surrendered the vehicle purchase as it had a motor issue I could not afford. No resolve - Car dealership out of business. Sold a product i believe with known issues. Taken advantage of - Credit report states repossession and not surrender - Account settled and paid in full XX/XX/XXXX XXXX Creditor continues to report- Non payment for repossession - and a balance due- this account is paid in full see attached - numerous phone calls to creditor and disputes. They have refused/declined to correct credit report.or promised it will be corrected and have not - creditor pulled my credit without permission XX/XX/XXXX - I made written request of mandatory arbitration per the terms of my contract. With no response. I have been disconnected on phone calls many times regarding this ( all documentation attached ). 
- I am requesting my credit report be updated at the least to reflect payment on my settlement offer= paid in full in XXXX, ( all documentation attached ) - I would like my credit report to reflect surrender and not repossession. all documentation attached - I would also like consideration in deleting this complete file considering the circumstances ( all documentation attached ) -

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 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a debt collection reporting on my credit for a credit card account that is not mines. This account appears to be fraudulent due to the fact that I do not recognize any details involving this matter. The information being reported is frivolous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Fell a few days late on my second payment they stared calling my phone 10 plus times a day even when i would answer and explain my situation and advise on the day i could have a payment drafte out of my checking account which would be the following wensday the agent refused to set up my payment or skip a payment as their website said they could do so i posted a check on their site my self for two paymentd they went in and cancelled my payment and put my acount in repossession status i reset the payment as a posted dated check again for it to draft on the wendsday for the double payment they repossed the car 1 day prior to the day when my payment would have covered when i called to offer the the XXXX plus the repossesion fee to recover the vehicle they where rude and stated that i would have to pay 16000.00 + so not only did i loose the vehicle i lost XXXX down payment not including the prior payment that did take out my account ... they prey on me and will resell this vehicle repeatedly taking people down payments the and reposssing cars as soon XXXX your 4 days late exc.. Repeatedly i do not recommended Bridgecrest

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 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West has been double charging for my use of a debit card to withdraw from a NON BOW ATM during the month of XX/XX/XXXX. I understand that I may be charged by a fee for withdrawal of cash from the non bank atm by the owner of the atm and also I understand that Bank of the West will charge {$2.00} for using a NON BOW ATM. What I do not understand is that Bank of the West has charged for balance inquiries on top of the withdrawal service charge in effect doubling the cost per transaction to {$5.00}. I have no need to use a NON BOW ATM for balance inquiries as I have a BOW telephone app that provides access to my account for free. Also Bank of the West does not list any of the alleged balance inquiries on my statement but merely stated a Service charge fee that is double what it should have been. My XX/XX/XXXX statement shows 11 withdrawals from a Non bank Atm. Therefore the Service charge should have been a total of {$27.00} and not {$55.00}. The bank responded by stating that the addition fees where for balance inquiries providing me a list of dates that inquiries were made twice. They have not provided me more detailed information as to the times that such inquiries were made or if they were made at the same time as the withdrawals. Furthermore I see that balance inquires on four occasions were made twice on days that money was not withdrawn from the Non bank Atm. The bank has so far declined to credit bank to my account for the {$27.00} overcharge.

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Wanted to check my credit score ( on XX/XX/2019 ) and I called my bank which referred me to TransUnion or XXXX. Went to the TransUnion website and did the credit score thing as a trial. Got charged {$19.00} without knowing since it was very unclear and written in fine print. A charge for something should never be in fine print. I tried to call but wait times are extremely long, I went to the website to cancel but could not find any information on it and I am very tech savvy and have never had issues finding such information on any other website. Ever. I had to look it up on XXXX and was provided a link from an answer on a different website from others having the same issue. Tried logging in and it's still loading from before I even started looking how to report this terrible and difficult treatment. 

I do not have this money to spare at the moment and a friend did the same thing with me and is in the same situation.

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 2019-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
the company, " Mr. Cooper '' first contacted me saying that my mortgage loan was transferred to them and that they were a 'loan servicing ' company. I even had occasion to speak to one of their supervisors (? ) early on and she never disclosed that they were a collection agency. They never would ( or could ) tell me why the loan was transferred. [ i had known from the outset that there never was a loan. ] several weeks later I get correspondence from Mr. Cooper, with the verbiage, Mr. Cooper is a debt collection agency. 
I have repeatedly requested they stop contacting and harassing me, but yet they continue with mailing and robotic calls nearly daily. 
I want the CFPB to point me to properly file not a complaint but a claim against XXXX XXXX the CEO of the  monster.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have been a Lowes Customer for over 15 years and absolutely love their products and services. I am veteran and all veterans love Lowes. I have had a credit card with them for 4 years and have never missed a single payment or have I ever been late on making one. I always pay them off and use the card to cover things around the house or side job material. I had a limit of $ XXXX on my card and have never used more than $ XXXX. Lowes embarrassed a couple weeks as I stood and waited in line with items only to have my card declined. I tried twice and it declined and I couldn't figure out what was going on with it. Anyway, I paid with my bank card and continued on with my day. About 1 week later I received a letter from Lowes Synchrony Bank stating they closed my account. They should of sent the letter to me first before having me try to use the card. It was very rude the way they went about this and embarrassing. The reason Lowes stated why my account was closed was because I have personal credit cards that I fell behind on. After being injured and down from work for over 9 months. I have got 4 months behind on these person cards but never my Lowes or XXXX XXXX cards. I am currently getting these accounts paid back, now that I am able to work and walk again. I started an electric company and I only shop at Lowes and this issue alone could cost Lowes a loyal customer for life. I want to continue a relationship with Lowes but I'm second guessing that after these circumstances. Just on how the company went about things in such an unprofessional and uncourteous way to a loyal card holder and customer. If I missed a payment or was late or anything like this I could understand but I never was. It's based on other cards from different creditors not loyalty or any other factors. If Lowes will reopen and continue to allow me to use the card I will never miss a payment. And if I do they can close my account no questions asked.

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 2019-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
the company, " XXXX XXXX '' first contacted me saying that my mortgage loan was transferred to them and that they were a 'loan servicing ' company. I even had occasion to speak to one of their supervisors (? ) early on and she never disclosed that they were a collection agency. They never would ( or could ) tell me why the loan was transferred. [ i had known from the outset that there never was a loan. ] several weeks later I get correspondence from XXXX XXXX, with the verbiage, XXXX XXXX is a debt collection agency. 
I have repeatedly requested they stop contacting and harassing me, but yet they continue with mailing and robotic calls nearly daily. 
I want the CFPB to point me to properly file not a complaint but a claim against XXXX XXXX the XXXX of the monster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
I received a letter from NCB Management Services Inc. I do not owe this company any money and I have told them several times not to contact me any more. However, every so often they send collection letters to my house. 
They are not legally allowed to do business in my state. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
Medicredit, a collection agency, keeps placing supposed debts on my credit bureau without contacting me regarding the debts prior to adding them to my credit file. The items in question have been paid by insurance but are still being posted on my credit file. I have dis [ uted all items and some have been removed while some have not. This is constantly lowering my credit score. This company has even went so far as to put the same account for collections in twice.

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Ok so I went through a really harsh divorce which almost left me to file for bankruptcy, my ex wife just picked up left used my credit maxed it out, I was still having to pay all the bills from the residence she took off from plus a brand new car note also, so we went through litigation she still ended up getting a very good amount of equity even though she never helped with the bills ive Helped her get her degree from XXXX, fixed her credit score and put her on my savings account from money that was inherited to me so in the end judge call everything community property even though she never earned that money she still maxed out my credit so she got away with clean XXXX I got XXXX but I had to repaid all my collectors which I did and I dont know why they just cant delete my accounts I feel like theyre my ex wife just please deleted they know they got paid!! Why are they playing stupid like they didnt I just want my credit back to a normal at least XXXX so I can move on with my life and Im talking about all of the creditors they got their money I got letters from them saying is payed off why are the credit houses being such A holes for I just want to move on with my life thats all

Company response to consumer: Closed with explanation