vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
There was a fraud charge in the amount of about {$14.00} by a company named " XXXX '', most probably an affiliate of this credit card company, whom I had never heard of, sometime in XXXX, XXXX and XXXX 2020. As the result of this fraud charge sometimes the bill amounted to over {$100.00} due to late and finance fees. However, after contacting the credit card company, named HSBC, the fraud dept. confirmed the fraud and I was reimbursed with the finance fees and late fees at sometime. Unfortunately the next statement there were still some late fees and finance charges were on the statements. However, since 5 months ago I have talked to 7 different people in the fraud departments and customer services and they all have promised to bring the balance to XXXX but they just refund some late fees and finance charges but the balance never goes to XXXX. I have spent hours of talking to representatives of this company located in XXXX and XXXX named XXXX, XXXX, XXXX, and XXXX without success despite of their promise that they would bring the balance to XXXX. Please help as I have never had such a terrible experience. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CORELOGIC INC
State: GA

Complaint narrative:
CREDCO There are multiple repeated UNAUTHORIZED Hard inquired in my credit report. These items have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. 

All ( FIVE 5 ) CREDCO inquires must immediately be removed from my credit report of all credit bureaus.

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 2021-02-25 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: FL

Complaint narrative:
Medical bills reporting on my consumer report violates my privacy and violates hippa its against the law your putting in position of litigation

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 2021-02-25 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: PA

Complaint narrative:
As of today, XXXX Citibank credit cards reduced all revolving credit limits on my accounts ( 3 accounts in total ) by {$15000.00} and advised they were not able to provide any information as to why. I was told it was in regards to an XXXX report they received but there was no new activity on the report for several months. I was told I needed to contact XXXX directly for the reasoning which I did and XXXX advised they simply provide the report to the credit card company and all decisions made were in the hands of the credit card company. I called the citi cards again advising what I was told by XXXX  and then they advised it was a decision by citi bank and not them as a credit card company. Ive been a customer since XX/XX/XXXX with citi and always been in good standing. Ive never had a late payment, always paid more then the minimum and actually paid off all limits on those cards last year down to a XXXX balance. I have a fico credit score of XXXX and have not missed a single payment through all of covid. It feels very unjust that Ive been a good customer with no prior issues and had all of my credit limits removed without justification. I have a feeling this is due to the financial impacts they have faced through the course of covid as a company allowing debt relief and assistance for others and Ive become a casualty of that.

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 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
In the mail, I received a Warrant of Debt letter from Levy Law Firm Co. , LPA stating I had to appear in court for a medical collection. I was NEVER aware of this medical bill. It was never reported on my credit report. I will be showing up in court with my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
Was contacted today XX/XX/XXXX that i owe ace payday loan from XXXX for the amount of XXXX. Now a place called account services said i owe XXXX. I told them i didn't. and he got a little upset and told me good luck with not paying. He was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Opened an account with Wells Fargo online, Max initial deposit limit is {$500.00}. This initial deposit of {$500.00} was transferred from my primary bank ( XXXX XXXX XXXX ) to my new Wells Fargo account with no issues on XX/XX/2021. 
Three days later on XX/XX/2021 after my initial deposit posted in my Wells Fargo account I transferred {$2000.00} from the same XXXX XXXX XXXX account into my new Wells Fargo account. Unlike the initial deposit this transfer was flagged by the fraud department at Wells Fargo. I was notified of this issue by a Wells Fargo fraud agent ( at least that's what he claimed to be ) via a phone call on the evening of the XX/XX/XXXX or XXXX 2021. I informed this person that I was not going to answer any questions about my account to an unsolicited phone call and to inform me of any suspected issues via email and I would call him back. The next day my online account was frozen by Wells Fargo and a hold was placed on the {$2000.00} dollar transfer. 
Since then I've spent approximately 10-15 hours on the phone with Wells Fargo and have taken time off of work to meet with a banker ( Covid regs require an appointment ) in a completely different town because of no available appointments for 6 weeks in my town. 
It is now XX/XX/2021 and I still have no idea where my {$2000.00} dollars are.. Wells Fargo claims they sent the {$2000.00} back to XXXX XXXX XXXX XX/XX/2021 and the issue is XXXX XXXX XXXX and XXXX claims Wells Fargo never sent it back and its Wells Fargo 's fault. Thank XXXX I'm not living paycheck to paycheck or I'd be living on the street.. Any assistance would be greatly appreciated. Thank you in advance. 
BTW we've been members with XXXX XXXX XXXX for 40 years and they have offered no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: MA

Complaint narrative:
I am writing to request the elimination of several unauthorized credit inquiries, I have already sent a request to EQUIFAX so that they please and in good faith eliminate those Hard Inquiries that are fraudulent and a violation of my rights, and have not proceeded to the elimination, for I come to you with the assurance that you will help me and that is affecting my being able to buy my house. 
1.XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX, XXXX XXXX XXXX XXXX  3XXXX XXXX, XXXX XXXX XXXX XXXX 4.XXXX XXXX, XXXX XXXXXXXX XXXX 5.XXXX XXXX, XXXX XXXX 6.XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX 7.XXXX XXXX, XXXX XXXX XXXX XXXX 8.XXXX XXXX, XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage loan ( refinance ) with American Internet Mortgage XXXX Inc. ( AIM Loan ). AIM Loan quoted the lowest loan processing fees out of all the lenders I applied with. A few weeks after receiving the initial loan estimate, AIM Loan advised of fees for services they knew were required from the beginning, such as completion of a condo certification and the requirement for the property address to be listed on the Master Policy. I noted that since the services were required by AIM Loan and known during the application process ( when I identified my unit as a condominium ), estimates of required third party services and fees should have been listed in advance. AIM responded that these services ( condo certifications, etc. ) are usually free so the fact that there was now fees were 'material changes ' they had no way of expecting and were just notified of. AIM noted on the same day as my complaint that the appraisal for my unit had also just come in at less than the estimate I had on the application, which would also result in a 'material change ' in circumstance. What I've noticed in the appraisal report is that in addition to the date of the appraisal being incorrect, the appraisal uses lower sales comps from XXXX - XXXX XXXX, even though higher sales comps ( including one of the exact same floor plan and model in my complex ) was available for XXXX XXXX and is what I based the property value estimate in my application on. It seems the lender is influencing and justifying significant additional fees during the underwriting and closing process by falsely claiming 'change in circumstance ' events in their disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
A collection account from Jefferson Capital Sys was placed on my XXXX credit report without proper notice in accordance with the Fair Credit Report Act. I have no knowledge of this debt and do not believe that it is mine. After disputing the account with XXXX it was added that it is related to XXXX XXXX. I had previously filed CFPB complaint XXXX related to the XXXX XXXX account on XX/XX/2020. I have not had an account with XXXX XXXX for over 3 years and the account had a {$0.00} at the time it was closed. The complaint was forwarded to the FTC. The result of the complaint was that the XXXX XXXX account was removed from my credit report. Now without proper notice or verification the account has been sold to Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Credit Plus Inc
State: GA

Complaint narrative:
CREDIT PLUS There are multiple repeated UNAUTHORIZED Hard inquired in my credit report ran by CREDIT PLUS. These items have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. 

All ( THREE 3 ) CREDIT PLUS hard inquires must immediately be removed from my credit report of all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I tried contacting this company on XX/XX/XXXX and XX/XX/XXXX regarding an unauthorized inquiry. However they have not returned my call.

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 2021-02-25 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: CBC Companies, Inc.
State: GA

Complaint narrative:
FACTUAL The FACUTAL had reported UNAUTHORIZED Hard inquires in my credit report. This item have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. The UNAUTHORIZED FACTUAL inquiry must immediately be removed from my credit report of all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: GA

Complaint narrative:
On XX/XX/2020, PayPal unlawfully with no reason given put a 180 day hold on my account. At this time I was in dire need of my funds but was told that there was nothing I could do. After hundreds of calls over the next few months I was told I had to wait until the 180 day time frame was up and at that time my funds will be available to be withdrawn from the account. So what could I do I waited the very long period of time 6 months!! Putting me and my family in a horrible position! Well after the 6 months passed I received a notification via email ( in which is posted below via attachment ) that my funds are available to be withdrawn only to log in and find out that I can not and the error is still consistently happening I spoke with PayPal and they said I have to continue to wait with no given time frame or date on when Ill have my money. I have already once fully verified my account sending in my id and bank account statements along with Additional information there in no reason for PayPal to be holding my funds at this time. Please assist this isnt right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Without any approval a Doctors office charged a fee that was already paid for through my health insurance on my Citi credit card that had a XXXX balance. 
Being that I did not ever use that credit card I was unaware that there was a fee charged to the card. 
When I checked my credit score and noticed it went down significantly I discovered the issue. 
Contacted the doctor and Citibank the charge was reversed and all of the interest and late fees were reversed as well. 
While the charge was pending - Citi sent to the credit bureau a mark of serious delinquency to my credit file. 

Contacted Citi on XX/XX/2016 to reverse the notification to the credit bureau. They never removed the delinquencies on my report. 

See .pdf file for charge/fees and reversal of all Credit card remains at XXXX balance

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 2021-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
To Whom It May Concern : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Theft Please review the security interest section of your contract ( The security interests secures all obligations which may become due under this contract. This means the alleged debt is paid and you are trying to collect a paid alleged debt from me, against the law. According to 15 USC 1692g, Validation of Debts.

Also, please review when NMAC shared alleged debt with debt agency they broke the law and infringement of consumer rights to privacy under 15 USC 1692b, they are able to sell the alleged debt but not information, view attachments.

In the example, you can clearly see the debt collected that NMAC gave the alleged debt collector and any information obtained will be used to do so. The consumer information violated under 15 USC 1692, when they sent me a letter with their logo and stated they were trying to collect an alleged debt. 15 USC 1692e ( 11 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This is my 5th attempt or more to resolve this issue with PRA. This company has falsified a response in an effort to close out this complain. As a consumer, this is a complete violation of the fair process that the CFPB provides. Additionally the company has sent additional letters to collect a debt that has not been validated and these were sent after I requested all communications to be ceased.

This company has only provided proof of my mailing address, without VALIDATION or competent evidence that I have any legal obligation to this alleged debt.

This office continues to report invalidated information to 3 Major credit bureaus ( XXXX XXXX, or XXXX ) and this action constitutes fraud under both Federal and State Laws : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

Now that it is 30 days later, I demand Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) I am invoking remedy as a consumer, deletion of all alleged accounts ( ending in 2682, 5799, 6992 and 3759 ) from all credit bureaus.

I will provide every single copy of letters received, including those received after I requested to no longer be contacted, which is in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have sent the payments on time and the company holds the payments until they decide they are going to process three payments at once. This has for late payments on my credit report. I have sent this information to them and this has not been corrected. They now have collected 1000s in additional fees and charges. This is my third complaint and I still do not have this corrected and have the paperwork on the certified checks from XXXX XXXX XXXX to show that these check went out each month. Then they show me late.

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 2021-02-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have previously disputed this account with Bank of America and filed a complaint with CFPB regarding the account. The account was closed prior to 2016 with a {$0.00} balance. Bank of America did not respond to my CFP complaint within 30 days and requested an additional 45 day. However, to date I have not received anything from them in response to the complaint.

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 2021-02-25 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: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have sent the payments on time and the company holds the payments until they decide they are going to process three payments at once. This has for late payments on my credit report. I have sent this information to them and this has not been corrected. They now have collected 1000s in additional fees and charges. This is my third complaint and I still do not have this corrected and have the paperwork on the certified checks from XXXX XXXX XXXX to show that these check went out each month. Then they show me late.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation