vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Due to errors on behalf of the credit card issuer, my annual fee was reduced to the point I can not use it for the primary purpose I opened the account. I had fraud on my account when I otherwise would not have any activity on my account and the issuer Bank of America ( BofA ) did not send me statements so I reasonably concluded I was not issued a statement. BofA failed to issue me a statement for 3 months then sent me a letter dated XX/XX/XXXX that I had a balance on my account. I contacted BofA on XX/XX/XXXX to inform them of the fraud. After the issuer failed to send me new cards with a new number as it had committed to doing due to fraud on my account, I contacted them again on XX/XX/XXXX so my cards could be reissued, at the same time requesting that my credit line which had been reduced to {$500.00} from the initial {$16000.00}, which is less than I need to be able to utilize the primary benefit I was promised at signup and therefore agreed to pay a $ XXXX fee. However, I received a letter dated XX/XX/XXXX nearly a month later that my request had been denied because " You have had a recent credit line change on this account '' which is circular logic because it was BofA 's errors in the first place that resulted in the credit line decrease, because I was not properly informed to respond to or pay a bill. I called to request reconsideration on XX/XX/XXXX and the person answering repeatedly refused to answer yes-no no questions which I take as an admission that BofA knows it improperly lowered my credit limit. I was informed reconsideration could only be done if requested by writing a letter. I wrote a letter on the same day and have been informed the request was denied. I have yet to receive a full detail. However the companion pass for the first year that was part of the signup package expired while I have been corresponding trying to resolve the unacceptable situation. 

In summary, I paid an annual fee of {$75.00} for my card and am unable to use the primary benefit that enticed me to sign up for the card because BofA has lowered my credit limit which was solely a result of BofA errors ; BofA itself failing to provide required correspondence, which has happened on multiple occasions since opening the account in XX/XX/XXXX. I am really disappointed that I have to file a report with the regulators but BofA 's actions have forced me to reach out for external help and any sanctions that result are its own doing.

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 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX  I attempted to make an ATM Deposit. I inserted XXXX dollars into the Atm. The machine counted the money then spit some back out. I attempted to insert the money back in. The atm accepted the money then said deposit amount XXXX. I immediately called Bank of America to file a claim. They assured me that I would have a credit in my account in two business days and apologized for the inconvenience. 

Today I opened my app to see that my claim was denied.

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 2021-08-29 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: NC

Complaint narrative:
I have not received any proof of owing this company and they have not completed their investigation. I have requested information numerous times over a course of months to no avail.

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 2021-08-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not received any proof of owing this company and they have not completed their investigation. I have requested information numerous times over a course of months to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX for an agreement to settle a debt of {$1000.00}. Previously I had received an email from XXXX that the balance was {$970.00}. 

Beginning of this year I was in the market to get a new vehicle. Unfortunately I was denied due and told that I had something negatively affecting my credit history so I pulled my report to see the issue. I then found out that this account with XXXX was on my credit report. I did a dispute and never received the findings of the investigation it just came back on my credit. I called XXXX and was given the information to Foster & Moore prior to that conversation, I the consumer was not informed or contacted in any manner to inform me that my information had been sold to a third party. At the time I did not have much understanding of the process I just wanted to be able to purchase a new vehicle so I called to discuss the account. Again, because of my car situation I just wanted the account to be removed from my credit report so I called and asked if I were to pay it will the delete it. I received an email confirmation letter stating if I made a payment {$970.00} by XX/XX/XXXX that they would inform XXXX that my obligation for the debt had been paid in full. The amounts claimed to be a debt do not match. There was never any validation or investigation done. 

My complaint with Foster & Moore is the fact that I never signed a contract with them. I was also never provided any documentation from XXXX when I disputed this on the findings from the investigation. I dispute this debt a contract was never established my consumer rights were violated when my information was sold without my permission. If you disagree please provide proof in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.

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 2021-08-29 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: AR

Complaint narrative:
I am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.

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 2021-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NC

Complaint narrative:
on XX/XX/XXXX I made a payment to my mortgauge company XXXX XXXX XXXX in the amount of {$680.00}. My mortgauge was then sold off to homepoint mortgauge services on XX/XX/XXXX. The payment I made on XX/XX/XXXX was not transphered with the paper work to Homepoint at the time but I was told by XXXX XXXX XXXX  that the transphere would take place on XX/XX/XXXX. So not wanting to risk a late payment since my payment was due on XX/XX/XXXX I made a payment to homepoint on XX/XX/XXXX, they with drew money from my bank account and sent a confermantion paper to me. On XX/XX/XXXX they modified my payment amount to {$0.00} and did not refund me any money and are not saying my payment is again due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
On XX/XX/2020 Ar Resources put a derogatory mark on my credit reports for {$970.00}. Ar Resources didn't send anything to prove ownership. How can you say that you verified this account when I haven't even heard back from the collection agency?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: CA

Complaint narrative:
PayPal Holdings Inc.

I had been a customer of PayPal Inc for a couple years as a business account. I had several issues about PayPal 's account limitations and account freezing but I was able to solve those issues by identifying myself. 

I owned a shop called XXXX XXXX for XXXX albums overseas. On XX/XX/XXXX, I received a call from PayPal asking me too much information about my business such as : 1. How much sales do you get per year?

2. Who are your suppliers?

3. How long you been in business My suppliers don't need to be exposed because it can be used against them. They didn't like my answers and told me they will limit my account until I provide the following items 1. Proof of Fullfilment ( Which I gave ) 2. Supplier 's information ( That's none of their business ) 3. Business information ( I gave them what is public use ) PayPal Inc limited my account, took {$560.00} to place on reserve because they said this : " PayPal is holding a reserve of {$560.00} of your existing funds. This is to ensure your PayPal balance is large enough to cover any disputes or refunds you need to address. Your money will be released based on your account performance. '' It's XX/XX/XXXX and there has been no chargebacks, no refund reports, and thanks to them, I had to shut down my XXXX account because they prevented me from refunding the money they took as a reserve. 

I reported them to the XXXX and they told me I have a balance of {$500.00} that is due on a linked account I have no idea about. They refuse to release my funds until I send them a check. I shouldn't have to use my own money to pay them when they are reserving {$560.00} already on my actual PayPal account. PayPal is not a bank. They shouldn't have a right to hold funds. 

After several months in XXXX, XXXX announced a tour was cancelled and they said I will receive a refund in my original payment, which was the PayPal Debit Mastercard, but PayPal closed it. I want to withdraw the money I earned on my own before they take it from me. PayPal 's representatives are horrific. They reply the same messages on XXXX and XXXX. I can not express how terrible they are and how they are hurting small businesses and customers alike. 

I demand they release these funds and use it to pay the balance that a linked account is supposedly owed. Secondly, I want them to remove my account from limited status so I can withdraw my XXXX refund when it arrives to PayPal and permanently close my account. They held my account XXXX for too long and I just want my money back I waited since XX/XX/XXXX, which was the worst time called COVID-19 pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Hello I recently disputed, and finally got a letter about the debt, and I paid it XX/XX/22

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I started receiving several debit cards and check registers in the mail. These are all from accounts that i have no knowledge of and did not open. I called the banks and they told me it was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: PA

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT AFNI INC Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC.
State: MI

Complaint narrative:
I sent check into cash an affidavit and invoice stating how they were violating the laws of the FDCPA and that they were liable to remedy me. They took over 30 days to respond and did not rebut my affidavit, meaning they have accepted my claims as true by default. The only legal way to rebut an affidavit is with an affidavit and all they sent me was a contract so this will get resolved in court. Thank you for nothing, looking forward to seeing the Check into Cash representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: MI

Complaint narrative:
I sent this company an affidavit of truth stating how they violated me according to the laws of the FDCPA. I also sent them an invoice as they are liable to remedy me and they have not paid the invoice nor have they rebutted the affidavit, meaning they have accepted it as true so my invoice for {$11000.00} is valid and will be paid. Thanks for nothing, court documents on the way. I can't wait!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity, requests for assistance were made since XXXX  year til now with no resolutions whatsoever then, you got took over by another company. Now the concerns seems lost as to which credit card company is responsible. You delayed assisting by seeking for details to the charges, in order to assist. When that was provided you then seek for their service contract, more in order to assist or investigate into it. Which is it? Now Comenity has been taken over by this other company. I spoke to your worker XXXX  in XXXX to close Comenity accts XXXX, which were also already requested in the previous mentions to CFPB, which were not addressed. Prior to that other companys takeover. When requested to close it, XXXX explained that Comenity is now unable to close it? Comenity ruined it, again. XXXX  mentioned to not close this, when contacted Comenity in XXXX so, Comenity may better assist with the concerns but still now it has not resolved the matter of many years ago delayed. Also, in the most contact to CFPB, i mentioned that XXXX does not respond to any of the requests for their contract so, unable to get a contract that you desired. Conmenity should contact them for their contract that you seek for Coverages XXXX from XXXX  year. Also, few minutes ago contacted Comenity, your telephone hung the calls many times, I asked your worker XXXX to connect me to a manager, the call got hung again. XXXX mentioned to write to Disputes dept, unwilling to connect me to that dept? Conmenity should contact XXXX  for whatever contract that you desire so, you may in order to resolve the matter that you delayed ; as what were provided are not enough for Comenity in order to resolve this or you are going to desire other stuff so to not return the funds? Like your first request for details then, coverages then, still no resolving the matter. Coverages # XXXX date XXXX  XXXX

Company response to consumer: Closed with explanation