vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NY

Complaint narrative:
NRA National Recovery Agency did not verify my debt and reported me 2 times to all credit agencies for the same debt. 

At or around XX/XX/XXXX I received a letter from NRA stating I owed {$250.00} to XXXX In which I did not know what they were referring to because their letter only stated XXXX {$250.00}. Send us a check. I thought it was a scam letter. I took it upon myself to investigate what they were talking about. I proceeded to logged into my old XXXX account and found out that I had a " XXXX '' balance on my account. Because I was under the impression that all my utilities bills were set up in automatic payment and there was no balance to be paid. I took a screenshot of what I saw and mailed them a copy and asked for validation. Instead, they proceeded to report Serious derogatory remarks upon my credit. Which is affecting me financially. 
On XX/XX/XXXX I send them a letter stating that do to the damages to my credit I will settle to pay an amount of {$200.00} dollars and a deletion of the bad reports to the credit boroughs. A very fair deal for both of us. 
A week later on XX/XX/XXXX I received a phone call from someone in the NRA collection agency stating they were on a capacity of supervisor in which they agreed to delete derogatory remarks on my credit and the {$200.00}. We had an agreement, and I asked them to send me a letter or an e.mail stating that they will delete derogatory remarks. They stated they couldn't or wouldn't put it in writing and that taking their word for it ; it was ok for me. My understanding is that if is not in writing is not legitimate. 
On XX/XX/XXXX I check my credit, and they made again a second derogatory remark. Affecting my credit further I now have a D rating on my credit. 

1. I believed that I asked for validation, and they didn't act in accordance to the credit fair federal rules.

2. I wanted things in writing instead they further affected my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NJ

Complaint narrative:
My XXXXXXXX XXXX  XXXX account was closed by XXXX XXXX, due to the fact that XXXXXXXX XXXX XXXXXXXX is no longer in business. This cause my credit score to drop. I has not be penalized for the company going out of business especially seeing that my account was always in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX with Comenity Bank card. The Transfer of a XXXX XXXX XXXX XXXX XXXX was supposed to be converted into a XXXX XXXX XXXX. The XXXX was opened for a 50 % of the Down Payment ( the other 50 % was supposed to be put on another card under spouse name ) The full amount was placed on the newly opened XXXX XXXX  under my name. In which I did not know about so I filed a fraud claim. after several calls and emails to the XXXX company with no response & still to this day no conversion on the two accounts. We are still paying for two separate accounts maintenance fees. 
After, all of that I called Comenity Bank - on XX/XX/XXXX. I made a large payment of {$2400.00} in order to keep the card current and my spouse and I credit good. 
Comenity Bank CLOSED the XXXX without any notice or awareness via phone call or email. 
Comenity Bank closed my XXXX XXXX XXXX account and said it was a charge off. 
I did contact Comenity Bank when I was made aware of the charge off after receiving an email from XXXX XXXX and XXXX XXXX on XX/XX/XXXX - in which Comenity Bank said there was nothing I could do. And to call back on XX/XX/XXXX to apply for another card. I feel their practice was unfair and it made my credit score drop over 12 points. 
Please help consumers like myself : by Informing XXXX of their unfair acts Hold them accountable for their unfair statements of due to the down system you will be informed in one week, to one month to it's now a new year and we just heard back and made arrangements with XXXX representative. 
As for Comenity Bank - I have been current with payments and still am a good consumer BUT Comenity Bank has Branded Me as a Bad consumer that due to their bad business my spouse and I are suffering with a Bad Branded Name. 
Please help me Respectfully, Credit Score Points dropped low - after trusting the Commenity Bank and XXXX XXXX XXXX XXXX of XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: IL

Complaint narrative:
On or around XX/XX/2020, I sent money to my niece through PayPal to help with her bills and other things because she was out of work due to Covid-19. My account was limited at first. They asked me to send in a picture of my ID for verification purposes and informed me that they would get back with me after doing their review. My account was then permanently limited and I was informed that I could not use there services any long and that my funds would be held up until 180 days. At this point I tried reaching out to PayPal and was informed that around XX/XX/2020 I would receive an email informing me that my funds would be available for withdrawal and that if I didnt receive the email that I could contact PayPal after XX/XX/2020. Ive sent multiple emails and have attempted to call their customer service and havent been able to get through to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: MI

Complaint narrative:
I have a venmo debit card and on XX/XX/XXXX i lost my phone and wallet wwith debit card in it i have contacted them gave them all the right info and still can not get into my account because i also forgot the password i gave the lady all the correct info and sent picture of my i.d all that and after about n hr n the chat she was like i cant help n ended the chat i have over a XXXX dollars in my account but there is no way toget thru to a live person. Cause im still logged into tthe account on the phone i lost. She just was no help it is very simple i lost my phone ane card i need to be able to get into my acvount to order another one. But i cant do thr forgot password cause thr confrimation code goes to my old number i kno some one. Can help me with this thank ylu

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 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: NM

Complaint narrative:
On XXXX/XXXX/20 I received an email from Experian stating that XXXX reported they had closed a credit line belonging to me on XX/XX/XXXX20. I responded to the email that my only XXXX line of credit, a XXXX credit card remains opened and in good standing. I also mailed a dispute to XXXX on XX/XX/XXXX20, Below, I have pasted information copied from the Experian website : On XX/XX/XXXX2020, XXXX XXXX XXXX has reported to Experian that they've closed a credit line with your account. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX-XXXX Activity : Credit Line Closed by Credit Grantor Balance Date : XX/XX/XXXX2020 2020

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 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020, XX/XX/2020, andXX/XX/2020, I have sent Transunion multiple dispute letters via the U.S Postal service disputing information on my credit report that is incomplete, and injurious. I have never received any correspondence from Transunion pertaining to my disputes that I have sent. No results of any investigation ever being done. This information reported on my credit by Transunion does not meet FCRA requirements. XXXX XXXX, is no longer in business and their portfolio was acquired by XXXX XXXX. XXXX XXXX has indicated in a letter faxed to me that the account is PAID and with a {$0.00} balance. Payment history is inconsistent, payment status shows the account is 120 days late when the account is closed with a {$0.00} balance, the date in which the account was first opened is inaccurate, date last active and date of last payment is incomplete. This entire account is in violation of the Fair Credit Reporting Act.

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 2021-02-07 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: IL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. All Ive done is legally sold designer expensive items through XXXX and received great reviews from them and proof of messages. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel theyre not doing their job properly and its effecting me a great deal as I used PayPal quite frequently. My emails linked to both of my PayPal accounts is XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc.
State: CA

Complaint narrative:
3 Different accounts that are not mine : XXXX ( {$330.00} ), XXXX ( {$60.00} ), and XXXX ( {$75.00} ). I attempted to remove these items because they are not mine and because they violate HIPPA but they are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a victim of identity theft and this is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: TX

Complaint narrative:
This issue was resolved once, I have been in XXXX and prior to that any medical debts I have requested a copy of a signred authorization with my signature that I authorized this agency to bill me for this medical procedure on whoever they did it on. I supplied the credit agency all the documentation once before and it was removed due to cause. Now this debt collector has relisted it and I request they remove it from all agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
My account was suspended without warning or notice for transferring money from my investment account at XXXX to my checking account with Chime bank. They demanded that I provide proof that the money was legitimate using statements from gusto and XXXX despite the fact that all of the initial investment was deposited to XXXX  from Chime and I have direct deposit from my employer connected to Chime. They have the full statements showing where the money came from but elected to suspend my account for 7 days with no notice. There is no phone number to call only an email with almost entirely automated responses. It wasnt until I complained on XXXX that they reached out to me to resolve the issue. They then sent an email on the prior Wednesday saying that my account would be reinstated in two days. Ive heard no response and am still unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My XXXX XXXX XXXXXXXX account was closed by XXXX XXXX, due to the fact that XXXXXXXX XXXX XXXXXXXX is no longer in business. This cause my credit score to drop. I has not be penalized for the company going out of business especially seeing that my account was always in good standing.

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 2021-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: MD

Complaint narrative:
I submitted a letter to the three credit bureaus regarding the erroneous and inaccurate account last fall. I do not recall having a visit with XXXX XXXX  nor do I understand if I did why I would owe accrued late fees of {$130.00} and a collection fee of {$81.00}. The notice that I received from Receivables Management Systems appears to be predatory and a violation of the Fair Debt Collections Practice Act. 

According to 15 USC 1692g, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I have yet to receive an actual agreement outlining these fines and assurance that this debt is indeed mine. When requesting validation I received a constructed letter from Receivables Management Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: CA

Complaint narrative:
I was hospitalized in Virginia at the XXXX  XXXX XXXX ( XXXX ) in XX/XX/2018 while visiting family. I have health care insurance through XXXX XXXX XXXX but based in southern California. XXXX accepts XXXX XXXX but they had to create a temporary ID for use through XXXX based in Virginia. They had put in my California XXXX ID instead of my Virginia ID and that's why it appeared that I didn't pay my debt. The amount of my bills are {$1300.00} and {$55.00}. 

I called XXXX two years ago and gave them my XXXX information and XXXX information and they said I did not owe any debt to them for the hospitalization as it was completely covered by my insurance. For some reason this debt was sold on to Pendrick Capital Partners II who keeps sending me letters in the last couple months in the mail and calling over the phone pursuing this debt that I do not owe. 

Can you please advise what needs to be done to prove to them that I do not need to pay them any debt especially as XXXX  XXXX XXXX themselves do not believe I owe them any debt and end the endless harassment by this debt collection company? I am very sick currently with XXXX and I can not take on this kind of harassment at this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I was affected by trans-union credit inquiry issue and now my credit report is showing hard credit inquires that aren't mine. Please see the inquires listed below that do not belong to me. 

XXXX XXXX XXXX XXXXXXXX XXXX  Can you please look into them removing this false information that is affecting my creditworthiness. 

Thank you, 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 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I have been dealing with identity theft issues for over the past year and had a credit card company removed from my credit report cause of it. Then XXXX of 2020 it comes back on my report with a different company trying to collect the debt. I have tried multiple times to dispute this with them on identity theft but they continue to harass me with bills in the mail to my home and denied my dispute. Now they are attempting to take me to court over this. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED BANKSHARES, INC.
State: WV

Complaint narrative:
I have a HELOC with United Bank that was originated approximately three years ago. I am now trying to refinance this loan with a greatly reduced interest rate ( less than half the interest rate on the HELOC ) On XX/XX/XXXX, at XXXXXXXX XXXX, I called United Bank to request a copy of the Note and Settlement Statement from my HELOC as this information has been requested for underwriting the new loan that I have applied for. I explained to the customer service representative ( I believe her name was XXXX XXXX the reason for my call and she promptly placed me on hold. After being on hold for about twenty minutes she returned to line, informed me that the person I needed to speak to was out to lunch, and that she would have this person return my call. 

After not hearing from United Bank, I again called on XX/XX/XXXX at XXXX XXXX  and explained that I had already called once, that this was an urgent matter and that I needed the copies of the requested documents. I was again put on hold for some time when the customer service representative returned to line and said that she would have the original customer service rep that I spoke with call me back. I still have yet to receive a return call from any United Bank employee. 

The Note and Settlement statement from United are the only items needed to finish underwriting my new loan. It is extremely frustrating that United has failed to respond to my request for these documents. This is extremely poor customer service and most unfair. Each day that I am delayed from closing my new loan is costing me an excessive amount of money. 

I would be grateful if you would contact United Bank for me and provide assistance in resolving this issue.

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX, making a payment on the due date. XXXX marks your account late if payment isn't received by XXXX XXXX. This is ABSURD, unreasonable during this pandemic when making payments are tough. XXXX XXXX should be the standard cut off. This is another way for Big Business to use an unfair practice to access late fees. Now my account is late and I'm charged a late fee. Your credit is damaged with this unfair practice. Families are struggling at this time. Shame on XXXX. This company should be forced to return all late fees, this is absurd!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
on XX/XX/2021 proceeded to drive my car for work but, for the fourth time since financing the vehicle back in XXXX of XXXX the car has be disable by the company due to poor mismanagement of accounts. Once able to speak to a rep i was demanded to pay for collateral insurance from there company even though i have full coverage insurance from a different agency. i was forced to make a payment that i did not owe in order to use my car again. i was told by the rep XXXX that the payment will be due again and that I'm expected to pay it even though i explain that i did not owe them and that the insurance documents have been received from Us Autosales. Us Autosales have almost 300 complaints.US Autosales is a very unfair company that illegally violates its consumers contract and needs to be investigated further.

Company response to consumer: Closed with explanation