vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last XXXX XXXX, I called the Citi Bank Customer Service to ask about any offer of Balanced Transfer under our Credit Card. The Customer Service that day responded and informed me that there is an offer an offer for Balanced Transfer that is 0 % APR for 12 months with one ( 1 ) time 3 % Balanced Transfer Fee. 

Upon hearing of the offer, I told the Customer Service that I would like to avail the said Balanced Transfer Offer of 0 % APR for 12 months and I told the Customer Service to transfer the amount of {$8000.00} into our XXXX XXXX Checking Account and the fee for the Balanced Transfer will be {$240.00} ( 3 % of {$80000.00} ) The amount of {$8000.00} was then deposited in our Checking Account after several days. But lasts XXXX XXXX, as I was checking our account online at Citi Bank. I noticed a discrepancy in the interests rate and the amount we were CHARGED WITH. The Citibank Charged us at {$140.00} just for 1 Billing Cycle ( 1month ) which was THE RATE BASED ON STANDARD PURCHASED RATE ( as shown in our statement ) for the Balanced Transfer we did the previous month. 

The term of our agreement lasts XX/XX/2020 for the Balanced Transfer was for 0 % APR for Balanced Transfer for 12 months with 1 time fee of 3 %. 

Citi Bank did not follow through the agreement that I and the Customer Service of Citi Bank I spoked to and agreed on the day the transfer was made. Citi Bank instead have charged us with an APR based on a STANDARD PURCHASED and disregarded the 0 % APR for 12 months with 1 time 3 % Balanced Transfer Fee that we agreed on. 

I called the Citi Bank and ask them why they charged me for something which is different from the agreement that I and the Customer Service I spoked to last XXXX XX/XX/2020 agreed on and they said they will investigate and until now I have not received any response 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 monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  is original creditor - *Debt is collection agency AWA Collections - Total Charge for services {$410.00} XX/XX/XXXX - {$180.00} - PAID ( at time of service ) XX/XX/XXXX - {$57.00} - PAID ( Insurance paid ) XX/XX/XXXX - {$190.00} - PAID ( insurance paid ) I sent in a written dispute in XXXX when first placed on my credit. The company reviewed and removed the collection. This was recently placed on my credit AGAIN. I disputed a second time. They refused to review or remove. On XX/XX/XXXX The agent asked me to send in proof and it would be reviewed. After faxing over proof on XX/XX/XXXX I spoke with AWA and they told me the docs were the same and still owe {$220.00}. 

I have also attempted to dispute with credit bureaus. XXXX  removed. XXXX  and XXXX  keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
Td bank was contacted on XX/XX/2020 regarding a purchase return XXXX transaction. Td claims account went negative and charged overdraft fees. Upon logging into account found that balance was XXXX on same date I posted amount XXXX to cover the amount. Td then stated they charged overdrafts for charges on the account that were not authorized for the overdraft protection as I opted out of this. They claimed its required on all accounts. This seems like they are stacking their overdraft fees as I paid the overdraft on the same day it posted and post more funds to cover the balance I would request that td bank refund the XXXX dollars thats removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Bill collector verified personal information including the last four of my social with someone that was not me by phone, not even the same gender, disclosing my debt. They did not disclose who they were and called numerous times over and over again on the same day. 
I called to speak with a manager who claimed she can not assist me without verifying my information today XX/XX/2020. 

Portfolio Recovery Manager XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I called XXXX XXXX XXXX to cancel services for my residence. Upon cancellation of my services with XXXX, I was informed that I had entered into a contract with XXXX for 5 years and that if I were to cancel my service with XXXX, I would be required to pay the remainder of the contract immediately. I informed XXXX that I had never entered into any type of agreement with XXXX other than when I first initiated service over 10 years ago. That contract had expired several years ago, and I was utilizing XXXX XXXX  services on a month-to-month basis. The supervisor then informed me that after my contract had expired, I entered into a " verbal contract '' with XXXX. I informed this supervisor that I had never entered into any verbal agreement with XXXX. On XX/XX/2020 I sent XXXX a certified letter indicating that that I had not entered into a " verbal agreement '' with their company, and to this date, I have never received a response from XXXX in reference to this correspondence. Instead, I have been harassed on an ongoing basis by " Credit Collection Services, '' which is a representative contracted through XXXX in order to collect the amount of my early termination fee. I am XXXX and the constant letters and phone calls has been putting me under tremendous amount of physical pain. I am XXXX years old and have lived on my own since I was 18. I have never entered into any verbal agreement with any utility company or any other company. I would never accept any contract that I did not physically have in hand so that I could read the terms of the agreement and be able to physically sign the contract in order to protect myself legally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I SENT LETTERS TO XXXX, EQUIFAX, AND XXXX ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I SENT LETTERS TO XXXX, XXXX, AND EXPERIAN ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.

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 2020-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I did not receive the XX/XX/XXXX Statement in the mail. I received no phone call from Credit Card Issuer they had not received payment. I was notified via a credit reporting subscription service advising me my credit limit had been decreased. I visited the Credit Card Issuer 's website and saw that it had indeed been decreased along with a late charge. Upon further review of my records, I never received the XX/XX/XXXX statement. I requested an review and refund for the late fee for {$29.00} and reinstatement of my credit limit and received no response. I do not want this to adversely impact my credit rating for a late payment beyond my control and further damage by lowering my credit limit. Late payment fee and minimum payment requirement were made XX/XX/XXXX the same day I was notified by the credit monitoring company.

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 2020-09-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian /XXXX XXXX I enabled in XXXX Security Freeze then on XX/XX/XXXX Checked with XXXX XXXX  and score dropped Experian contacted and i reviewed Report and created dispute XX/XX/XXXX dispute result mailed By Experian to me and address/name incorrrect XX/XX/XXXX dispute result mailed by Experian to me using same name/Address as above I am unable to log on/ contact Experian locked out and call line drops my call when trying Fraud or Freeze. I spoke with XXXX XXXX XX/XX/XXXX to review my account it was transcription error on SSN. Called today XX/XX/XXXX. Unable to locate me by name/SSN/phone # /Address I need help ASAP. I need loan! 
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 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
I SENT A LETTER TO MERCHANT ADJUSTMENT SERVICES, INC ON XX/XX/2020 ABOUT AN ALLEGED DEBT OF XXXX $ THAT I DO NOT OWE, I ALSO REQUESTED INFORMATION ABOUT THE VALIDITY OF THE ALLEGED DEBT THAT I HAVE NOT RECIEVED.I HAVE ATTACHED A COPY BELOW OF THE LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have contacted the state of Nevada on this matter and they have informed along with a response from the company letter. however they have also informed that LVNV Funding is not license in the state of Nevada as a collection agency but this company is reporting on my credit report as if they are the collection agency I'm enclosing a copy of my credit to show proof only for the CFPB please do not sure my credit report to anyone. i would like to get this matter handle as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
on XXXX XXXX, I have a total amount of $ XXXXThe bank where I have the account prevents me from using it. They have frozen my funds

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 2020-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: NV

Complaint narrative:
I have previously filed a complaint with CFPB ( XXXX ) regarding MoneyLion 's failure to allow its loan clients to revoke ACH authorization. Within that complaint are additional details surrounding my initial failed attempts to revoke.

In MoneyLion 's XX/XX/XXXX response, the company offered to manually revoke this. To date, they have failed to do so, and this further indicates their deliberate refusal to honor customer requests to revoke ACH authorization as mandated by law. 

I am attaching a screenshot from within the MoneyLion app that shows my still-linked checking account of which I have repeatedly requested removal. I continue to receive an error stating " We can't delete your payment method at this time '' with each attempt to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Certegy Holdings, LLC
State: WA

Complaint narrative:
I went to cash a check at XXXX XXXX it said it wouldn't let me so they gave me a number to call. I called the number they asked for my social security number and when I tried to speak it into the phone it put XXXX but the last 4 of my social security number is XXXX I need that to ne corrected as they social security number on file is incorrect and is off one number

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 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
For over a week I have been unable to access my account online. This appears to be a widespread issue with Ally. This online-only institution apparently can't manage to keep a website functional. 

Clearing cookies and browsing incognito didn't work for both XXXX and XXXX XXXX, which together make up about 70 % of internet users per statcounter.com. For the past week I receive the following error when attempting to access my account : " An error occurred while processing your request. 
Reference # XXXX '' I contacted Ally a week ago, and again today, and they have no solution or promised fix. I was able to access the account by downloading XXXX and the page properly loaded. XXXX users make up 4 % of the internet market, so this doesn't bode well for the public 's ability to access their accounts for at least a week. 

This is wholly unacceptable for a financial institution whose only means of access is online.

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 2020-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a Credit Card originally issued as a GM Card ( General Motors ) which I have had for more that 25 years. GM Card has become managed or owned by 'Capitol One ' of XXXX. XXXX XXXX XXXX, NC XXXX. My XXXX statement had a balance due of {$3000.00} due on XX/XX/2020. I paid {$2500.00} toward the balance on XX/XX/2020 leaving an unpaid balance carried forward of {$580.00}. My XXXX bill showed a current balance due of {$1500.00} of which I had a Interest charge of {$35.00}. The interest charge was on the unpaid balance from the previous month of {$580.00} so I was effectively charged 5.95 % interest for one months interest. That would be an annual percentage rate of 71 %. I would think that is a rather high interest rate by any standard. I complained to the company and they said it was charged from the date of purchase on the items. Had I known this I would have paid the entire balance in XXXX. Had I known this before XXXX I would have cancelled the card. These rates are predatory on credit card users and should be reviewed by your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX was trying to collect {$2100.00} for unpaid rent and damages and filed an eviction in XX/XX/XXXX. We went to court, which was in XX/XX/XXXX for the unpaid rent of {$730.00} and the court awarded them a total judgment of {$970.00}. Prior to court, XXXX XXXX sent a personal invoice for what they felt were total fees and tried to collect on damages, which there were none according to the judgment against me and XXXX XXXX collected on a Sure Deposit of {$2000.00} from XXXX XXXX XXXX XXXX and I believe this is the debt amount they sold to National Credit Systems which is incorrect. I have also attached the court document below showing the judgment owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
They called me trying to get my Dad, My Dad 's name is XXXX. They had the wrong XXXX and they keep calling me ( XXXX ) and leaving messages for XXXX my Dad but they had the wrong XXXX. They are such a pain. Leave me and my phone number alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

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 2020-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: KS

Complaint narrative:
They keep calling my job and home on a daily basis 2-3 times a day. using different numbers. threatening to sue me for an old debt. 

I've asked them to send me a letter but they want. They have all my personal information so there is no reason for them to keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been having a problem with XXXX XXXX XXXX since XXXX of this year. On XX/XX/2020 I made a {$75.00} payment to my account via my bank -- XXXX. The payment was made to the wrong account. My account # is XXXX XXXX XXXX XXXX. The payment was made to XXXX XXXX XXXX XXXX. I have spoken with them twice. Once in XXXX and once in XXXX. Both times they assured me that they corrected the problem, refunded any fees or late charges, and as a result, I had a credit balance. 

I have not used the card since XXXX, yet I keep getting collections calls, my balance keeps increasing, I keep getting charged fees, the {$75.00} has never been applied to my account and now I am being reported as delinquent which has greatly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
I received a copy of my credit report and there was a collection account from Helvey and Associates. I had never received any communications from this company, so I didn't even realize it was on my credit. 

I sent Helvey and Associates a letter via certified mail on XX/XX/2020 ( XXXX XXXX XXXX XXXX XXXX ) which they received XXXX XXXX, 2020. I requested validation of the debt and supporting documents from the original creditor as proof that I am indeed the party they are asking to pay the alleged debts, that they possess documentation and full accounting of the amount the alleged debt that can be presented as evidence, that the debt collector ( Helvey and Associates ) produce documentation from the alleged creditor authorizing them to contact me and pursue collection of the alleged debt, and that they have a license to collect debts in Ohio. 

I also requested : date of last activity on the alleged account, any and all documentation from the " original creditor '', proof of any/all obligations by way of transactions between Helvey and Associates and myself proving evidence of their authority to report, much less attempt, to collect allged debt. 

Helvey and Associates NEVER responded to my request for validation. They continue to report the account to the credit bureaus even though they never validated the debt within the time allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation