vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery is trying to collect on some alleged debts. The issue is they have furnished inaccurate information to the bureaus. They are not wanting to take responsibility for this issue. I have reached out to them several times. I have filed a complaint with the XXXX also have taken this to the Bureaus at least 5 times. I have supplied supporting documents each time and they keep verifying the information as accurate. This is hurting my credit as I am trying to buy a home. This collection agency refuses to do a thorough investigation. XXXX, XXXX and XXXX  are also failing to do a thorough investigation. I do believe the bureaus are supposed to do an independent investigation in which they have failed to do several times. PRA claims they have no supporting evidence but I have sent in a pic of my credit report as well as statements that show the different amounts. This company calls me a million times from several different numbers to try and collect a debt they've listed on my credit report when the information is inaccurate. This is absurd. 
Lastly I have asked for an agreement from them and proper validation of debt for these alleged debts they're trying to collect. They refuse to send me proper validation. I had some credit cards on my account I did not open they were opened by my ex husband while he was on XXXX Mailing me billing statements is not helping me any. Some of the original creditors have removed the debts from my credit because I did not authorize any cards to be in my name. PRA refuses to send me proper validation of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 with product or service terms changing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/2020, my credit rating score ( FICO ) was XXXX. In XX/XX/2020, that score dropped to XXXX, a difference of 16 points. The reason given : " No recent revolving balances ''. In XX/XX/2020, my credit rating dropped from XXXX to XXXX, a change of 21 points. Again, the reason was " No recent revolving balances ''. This is a change of 37 points in 2 months simply because I have no balanced on my credit card. I am being penalized for paying my bills in full. This is beyond ridiculous. Currently, there is a pandemic going on in the world, In the U.S., people are facing financial hardships, losing their jobs and their income. I chosen earlier this year to ensure I had no debt. Now I am being punished. 

I am presently applying for a mortgage and am not being given the best rate because my credit rating is low ... and I suspect that it will drop again next month. All because I have no debt! 

Stop letting the credit rating agencies XXXX the citizens of this country. These agencies want the citizens to have low credit ratings so that the banks can then justify charging us higher interest rates. It is a big scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had fraud on my XXXX card from Barclays bank. The total was close to XXXX dollars. There were 82 separate charges from XXXX XXXX on my card on XX/XX/XXXX alone. Barclays did not find this to be unusual for some reason so they never alerted me nor protected me from this fraud, since I never authorized any of these charges. Barclays initially credited me back XXXX Dollars, but another XXXX, XXXX came in on the replacement card they sent me ; a card I never activated. I alerted Barclays fraud department ( XXXX ) to this continuing fraud and they advised me that they would credit me back the new account. Then things got strange. I received two letter from Barclays dated XXXX the XXXX. One said that I was not responsible for the fraud, therefore I would be credited the entire amount, the other said I was responsible. I contacted their fraud department multiple times, and they advised me To get a hold of XXXX, because they could not, in order to have XXXX prove it was fraud. ( XXXX has no live person you can speak to ). Match tuned to XXXX, fraud Agent XXXX told me that all XXXX XXXX charges would be removed. They were not. Fraud agent XXXX Told me the same thing at the end of XXXX. Nothing. I closed the Barclays account, my XXXX XXXX account and my XXXX account, where I lost all of my XXXX travel points, as they were my favorite airline. Fraud agent XXXX told me The case was still under investigation. Meanwhile, every month my bill comes in with the fraud on it accruing interest. They demand payment every month and refuse to help me. The number is close to XXXX XXXX dollars. It is almost XXXX. I contacted Barclays corporate and they refer me to their fraud dept. the Fraud department now doesnt answer because they are supposedly too busy. I filed a complaint with the Florida Attorney General yesterday. To add insult to injury Barclays declared my account past due, which made my credit score drop 40 points. I had no choice but to send them XXXX dollars this week. Earlier this month the same thing started happening to my XXXX XXXX card but their security immediately contacted me and were able to stop it after 10 fraudulent XXXX XXXX purchases. I had no choice but to close that account out of fear. Barclays corporate will not help and they are sending me a fraudulent bill every month. They did not protect my identity and now have negatively impacted my credit. Its been 7 months and I need help. Thank you.

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 2020-08-27 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 with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XX/XX/2020, my credit rating score ( XXXX ) was XXXX. In XX/XX/2020, that score dropped to XXXX, a difference of 16 points. The reason given : " No recent revolving balances ''. In XX/XX/2020, my credit rating dropped from XXXX to XXXX, a change of 21 points. Again, the reason was " No recent revolving balances ''. This is a change of 37 points in 2 months simply because I have no balanced on my credit card. I am being penalized for paying my bills in full. This is beyond ridiculous. Currently, there is a pandemic going on in the world, In the U.S.,  people are facing financial hardships, losing their jobs and their income. I chosen earlier this year to ensure I had no debt. Now I am being punished. 

I am presently applying for a mortgage and am not being given the best rate because my credit rating is low ... and I suspect that it will drop again next month. All because I have no debt! 

Stop letting the credit rating agencies XXXX the citizens of this country. These agencies want the citizens to have low credit ratings so that the banks can then justify charging us higher interest rates. It is a big scam.

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 2020-08-27 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/2020, my credit rating score ( XXXX ) was XXXX. In XX/XX/2020, that score dropped to XXXX, a difference of 16 points. The reason given : " No recent revolving balances ''. In XX/XX/2020, my credit rating dropped from XXXX to XXXX, a change of 21 points. Again, the reason was " No recent revolving balances ''. This is a change of 37 points in 2 months simply because I have no balanced on my credit card. I am being penalized for paying my bills in full. This is beyond ridiculous. Currently, there is a pandemic going on in the world, In the U.S.,  people are facing financial hardships, losing their jobs and their income. I chosen earlier this year to ensure I had no debt. Now I am being punished. 

I am presently applying for a mortgage and am not being given the best rate because my credit rating is low ... and I suspect that it will drop again next month. All because I have no debt! 

Stop letting the credit rating agencies XXXX the citizens of this country. These agencies want the citizens to have low credit ratings so that the banks can then justify charging us higher interest rates. It is a big scam.

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 2020-08-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I filed a chapter XXXX bankruptcy- Case number XXXX. This case is currently active/open. XXXX XXXX XXXX XXXX is included in this bankruptcy, however they continue to report my account as late. On XX/XX/2020, I opened a dispute with Experian due to the late payments being reported by XXXX XXXX XXXX XXXX after the date my bankruptcy was filed. On XX/XX/2020, my XXXX XXXX XXXX XXXX account was reported as a charge off, even though payments are being made through my chapter XXXX bankruptcy. On XX/XX/2020, Experian closed the dispute as information regarding the late payments were accurate. On XX/XX/2020, I opened a new dispute regarding the XXXX XXXX XXXX XXXX account being reported as a charge off. On XX/XX/2020, Experian closed the dispute and said the charge off was accurate. All of this information being reported to Experian is incorrect as the XXXX XXXX XXXX XXXX account is included in my bankruptcy.

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 2020-08-27 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: CA

Complaint narrative:
Hello, I am considering taking legal action against Citi due to not allowing me to review fraudulent purchases, routing calls to a center that does nothing to assist, and ruining my credit history. 

I forgot my password to their online app in late XXXX. This triggered my account being totally blocked. When I called they informed me that my account was on a top level fraud alert. I had never received a notice about this and they were unable to tell me if it was simply related to my forgotten password or if I had been the victim of fraud. They informed me on XX/XX/XXXX that they were sending a letter to arrive within 3-7 days to confirm my identity. I informed them I was moving in XXXX and also that I did not want to miss my payment due date as I have never made a late payment in my life. 

I called back numerous times that week and the next when the letter did not arrive. They assured me to keep waiting. They said I could not pay the balance, tell me what it was, or close the account. I offered to send photos of all government ID, myself holding these documents, and me holding the card. I was desperate to avoid making a late payment. 

Meanwhile I received many pieces of promotional material about my card in the mail. I also continue to receive emails. 

Every time I call they say there is some difficulty hearing me and I am doubtful that this number is even a Citibank number despite it appearing on my card. Nobody has any clue what they are doing or can advise me. 

I asked a representative two weeks ago to send another verification letter. This one has also not arrived and my payment is now late. I am receiving constant emails asking for payment but since my account is locked and they will not accept a phone payment I can not make one. I  also have no idea if there are fraudulent charges on the account or if someone has changed the address on the account. They can not tell me where they sent these letters. 

I did move as planned and my mom is checking the mail every day but I have no faith any of these letters will arrive. My credit score will be ruined through absolutely no fault of my own. I want Citi to tell me how else I can verify my account, accept my payment and waive all late fees. I have spent hours on the phone with these jokers and there is no resolution in sight.

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX I purchased 2 items total XXXX from XXXX XXXX. A few days later I was told I couldn't get one of the items because it had been discontinued.I was informed I was getting a refunded XXXX. They told me it would go back on the card. It showing that I was issued a refunded however, the credit card company is charging me for interest and promotional purchases fees that's was not explained to me when they changed over from XXXX XXXX to Synchrony XXXX. I  made a purchased that was not on a promotional sale but I am being charged for the promotional fees and interest on that purchased that I got a refund for. The credit card company is charging interest on XXXX when the purchase was only XXXX and they are charging me fees for a promotional charge that when i purchased the item it was the original price no promotional price was given, actually the salesman said it wasn't on a promotional. I have called them and they told me nothing could be done. I have never miss a payment.

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 2020-08-27 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I received a payoff letter for my auto loan with Ally Financial. A few months later, Ally re-opened my account without my knowledge for a balance of {$15.00} in interest after they incorrectly applied my payment to a different account. This sent my account into charge-off status which is now heavily affecting my credit scores. I was able to dispute with XXXX and XXXX and have it removed by providing a copy of the original payoff letter, but when disputing with XXXX, it was not removed because Ally reported to XXXX during the dispute that the account was accurate. This is incorrect, as Ally made an error and this needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX i made a {$2500.00} payment from my bank of America checking to my Bank of America mortgage. it was an electronic payment that went through and the {$2500.00} was deducted from my checking account ( confirmation # XXXX ). Two weeks later i receive a notice in the mail that my mortgage payment is late. The funds were never applied to my mortgage. After trying for hours and then days to reach anyone that could help me, i decided i should go ahead and make a second payment so that i was no longer showing late. I made that payment from my savings account ( confirmation # XXXX ). It is now XX/XX/XXXX and i can not even get anyone to respond to my questions. I made an appointment at a local branch. They told me they can not get through to their mortgage department either. I had a " We Can Deliver '' submitted, over a week ago and no one has responded, and i have held for hours and finally connected with customer service only to have them tell me that they can not see how to fix the problem even though they all acknowledge the money appears to be gone. After three weeks, i need help. This is {$2500.00} that I am out and they have not even offered to credit my account back.

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 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
My mortgage payments have not been applied to my account. My husband and I have never been 30 days late on mortgage payments. We continuously receive late notices and foreclosure letters. This has been going on before XX/XX/XXXX through XX/XX/XXXX. The mortgage company is stating that we are approximately {$3800.00} behind in our mortgage. 

I have called the mortgage company to let them know that we have NEVER paid our mortgage late. We pay our mortgage via XXXX XXXX and we have all of our receipts. I tried to set up online payments through the mortgage company 's website but was told by a customer service representative that we must bring our account current. This is very frustrating because our account is not delinquent. The company did not apply our payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
Amerifinancial Solutions ( Original Creditor WakeMed Physicians ) I've tried to call XXXX XXXX XXXX for the first year I received the debt. They billed it incorrectly despite me telling them at the hospital that XXXX XXXX XXXX XXXX was my primary insurance. Instead they billed Medicare has primary instead of secondary. I attempted to call numerous times to resolve but could never get through. Once I found it on my credit, I called Amerifinancial 3 times, each hold time was over 23 minutes. They said they would resubmit to XXXX XXXX but its still on my credit. 

Finally I tried to dispute it with XXXX, XXXX and XXXX   providing a copy of both insurance cards to prove that I don't owe the debt, that I have insurance that covers it 100 %, that I attempted to resolve with the original creditor and collection agency and for them take it off my credit. XXXX stated that the dispute was resolve within 2 days and that I owe the debt. Not sure how they were able to verify and come to this conclusion with the insurance cards in that short amount of time. They didn't even have time to send to the creditor to submit correctly to the insurance company. 

I have a XXXX XXXX XXXX with XXXX XXXX XXXX. It is very hard for me to keep calling and sending messages for a debt that I don't owe. This has been going on for over a year and a half. All they have to do is submit the bill to the insurance company and they will pay. I've already contacted both insurance companies and they were the ones who stated that XXXX XXXX submitted incorrectly and that's why they rejected the claim.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am a co-signer on my daughter 's student loan with Discover. She was trying in good faith to repay her loan. She has several loans with Discover and all in good standing except one. The one she had been communicating with them about, was in forbearance status and she was trying to avoid a Charge Off status and collections. She paid a large sum to show good faith and per conversations with Discover would avoid charge off. she continued to auto pay the loan at a level she could afford. She has arranged to repay the loan and is on a payment plan, but they will not remove charge off status. She has diligently placed her other loans with Discover on auto payment and is making regular monthly payments. She is trying hard to stay on top of repayment and is now in a position to consistently repay her loans. The interest rates are high due to her credit rating and the amortization periods short causing larger payments she is trying to fix her credit rating and it is making progress so that she can refinance to a better rate, longer repayment schedule, and lower monthly payments. But now with the charge off status, her credit is not eligible for refinance with many lenders. We feel Discover has misled us and she has tried her best to repay the loan they indicated was in forbearance. We would like them to reconsider the charge off status and allow us to continue to repay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I sent Navy Federal credit Union this correspondence ; Subject : Credit Limit Increase Your Message XX/XX/2020 : Any update? 

Please refer to ( attached letter ) Whereas XXXX XXXX stated in the letter that XXXX had provided you an updated credit report, that is ( not accurate ) I will be letting XXXX know what you stated. They did not provide you my credit report ( not accurate ) Furthermore ; you had the audacity to list my credit score at XXXX ( not accurate ) https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act

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