vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-27 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Good Day I have been a customer of Citibank since 2000. Last month I received a letter from Citibank stating my credit limit was being reduced from XXXX to XXXX due to a credit score from the three reporting agency 's. I have always had a great score in the 750 + range. The decrease does not really affect me financially but it will in the future and for time to come. The problem is I had a high credit limit and to proportion to what I owe was acceptable. By Citibank lowing the credit limit as low as they did they have jeopardize and hurt my credit worthiness for the future. They willing or unwilling have trashed my credit report on purpose. I feel they should have not decreased the credit line to a point it would actually hurt my future credit score this is completely reckless on their part and should be corrected immediately to a credit limit that wont hurt my score. Why are they punishing me for a credit check when I have never been late in over twenty years except for last month when I did not realize I did not pay my bill I called and made payment immediately when problem was discovered. They assured me it would not be a problem and look a couple days later I received a letter decreasing my credit limit. Again I don't have a problem with decrease however with the amount they did with out caring about the consequences of their action would ruin my credit. Citibank should be held responsible for this issue they created. Why should I pay my bills on time to keep my perfect score? I spoke to Citibank on the phone to no avail they didn't understand the the consequence of their action. This issue is not about my credit limit it's about principals how Citibank can ruin a person 's credit be a stroke of a keyboard and get away with it. When asked on how to file a compliant agent did not want to share information on how to contact this department he stated it was up to me to find out on my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
On XX/XX/2020 I disputed this debt. I have never signed a contract with this company. I don't know who this company is. I have not done business with this company. I do not owe this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. NCA for {$640.00} says new account opened XX/XX/2020. XXXX XXXX XXXX for {$530.00} says new account opened XX/XX/2020. XXXX XXXX for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: TX

Complaint narrative:
ON XX/XX/12 I sent a dispute to the reporting agencies and all have come back as verified. 
On XXXX I sent a Method of verification letter to the reporting agencies and didn't get any response from any of the reporting agencies. Then we received a letter from a law firm stating that we needed to respond to the court case. We sent our response to the court and refused the debt. I have not received a court response yet but we did received a letter from the lawyer saying she wanted to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
HMFUSA has again improperly applied my payments. I called customer service and they said they have fixed it and it take 3-5 business days for the changes to apply. Once I logged back in, the problem was still there and there was an additional mis-handling of my latest payment.

HMFUSA has improperly applied every single one of my payments  since XXXX. I have not had a statement since XXXX and payments are constantly either not applied, applied incorrectly, held until past due, or applied only towards interest when I request it be a regular payment or principal only ( additional funds are applied ).

This has gone on for 8 months. This company has not made a single proper payment has has not been properly correcting issues  since XXXX. This is fraudulent. Every remedy I pursue with the company to correct issues ends up in a dead end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Pursuant to the previous complaint filed against Security Finance, I submit to the CFPB as evidence A Redaction in the attached Cease and Desist Letter I received dated Thursday XX/XX/XXXX. 

In this letter Security Finance admits to a conversation I had with them the day before dated XX/XX/XXXX asking them to cease and desist their phone calls ... Prior to XX/XX/XXXX I had asked Security Finance numerous times to stop calling me a request they categorically and systemically ignored until I took it upon myself to contact their corporate office ... I am putting the content of the letter here for ease of reference as well as attaching it as a file for consideration. 

XX/XX/XXXX Dear Ms. XXXX : This is in response to a request we received from you on XX/XX/XXXX. Pursuant to your request, we have noted in your account below the cease and desist of collection activity and communications ... As permitted by law this letter shall serve as our first communication to you. 

Loan Number ( s ) XXXX Even though you have chosen to end contact on this debt, you are still obligated to to repay your loan. Please contact the branch to discuss your circumstances and arrange for the repayment of this debt. You can reach the branch at the address or number below. 

While we will end all future communications, all applicable late fees, charges and collection costs will continue to accrue on your account. The reporting of accurate data is an essential obligation of Data Furnishers under the Fair Credit Reporting Act, 623 ; therefore, we can not change or dele On Behalf Of : Security Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Security Finance Co. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX Date of Loan : XX/XX/XXXX Original Loan Amount : {$450.00} Amount owed as of today Monday XX/XX/XXXX is : {$540.00} for account # : XXXX This amount owed reflects a payment made on XX/XX/XXXX for {$87.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase credit card inquires on XX/XX/2020 and XX/XX/2020 that I never authorized. XXXX XXXX XXXX XX/XX/2020 inquiry that I never authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION SERVICES OF ATHENS, INC.
State: NC

Complaint narrative:
There is an item placed on my credit report by Collection Services of  XXXX collecting for the original creditor : XXXX XXXX the alleged balance is {$210.00}. I am not aware of this account, I have no knowledge of it. I never received a notice from this company, written or otherwise in regards to this debt, they just placed it on my credit reports without my knowledge, nor was I given the opportunity to dispute this alleged debt pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act. I was denied my legal rights by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: DISCOVER BANK
State: WA

Complaint narrative:
Discover Card is reporting a 30 day late on my credit reports. I have asked for a good will removal of this late payment several times since it is adversely affecting my credit and it was only a bit later than the 30 days. I have consistently made my payments on time prior to and after this late payment. They refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC
State: MO

Complaint narrative:
UHG I LLC, XXXX IL filed petition through XXXX XXXX XXXX in Missouri Court ( Independence ) against me for the Credit Card Accounts i owe to XXXX XXXX XXXX XXXX according to them. ( court date set XX/XX/2020 ) Those Credit Card Accounts they are trying to collect was paid by Insurance ( as per one of the agent told me ) and i was also reported to XXXX about fraudulent charges those accounts. when i found out the fraudulent charges i closed those cards immediately and filed ID theft report and frozen all 3 bureaus credit file. 
XXXX never took any action for those accounts and i was default for those accounts due to job lay-off and send several hardship application but none of them accepted. I was advised that i am still liable for those accounts and i should take care and they threatened me if i didn't take care i will be in serious trouble, that's why i send hardship application and made 3 consecutive payments, but still XXXX sold those accounts to UHG I LLC. so now UHG is suing me for the money i didn't owed. 
XXXX now porting to XXXX  a charged off account which i never had ( credit limit XXXX ) this fraudulent account also i reported but they never deleted from my file instead they told me to send another ID theft report, i did that too.. XXXX  is XXXX my credit last few years and still doing same.. every time new charged off accounts, and when you talk to XXXX agent you will get different answers from different agents. some one have to stop this! 
.I am a federal employee with limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased entertainment tickets for an event scheduled on XX/XX/XXXX in the amount of {$420.00}. The event has been postponed to XXXX, XXXX due to COVID19. Since I purchased something that I have not received on the date originally promised, I have asked the merchant for a refund. The merchant has declined an immediate refund due to monies already spent, indicating i would be placed on a refund list with no timeframe as to when a refund might be issued. I initiated a chargeback with my credit card company ( CapitalOne ) and they too have declined any further action. CapitalOne case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
There is a collection item on my credit report from Phoenix Financial Services with the original creditor being : XXXX XXXX XXXX the alleged balance is : {$1200.00} I am unaware of this account. I never received a notice from PFS regarding this alleged account nor was I given the right to dispute or request validation / verification of the debt pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act and the Fair Debt Collections Practices Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. XXXX for {$640.00} says new account opened XX/XX/2020. Debt Rec Sol for {$530.00} says new account opened XX/XX/2020. XXXX XXXX for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. XXXX for {$640.00} says new account opened XX/XX/2020. XXXX XXXX XXXX for {$530.00} says new account opened XX/XX/2020. Phnx Finac for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I made a mobile deposit with BBVA on XX/XX/XXXX for XXXX and received notification from BBVA that the amount had been credited to my account. I received an email at XXXX on Friday, XX/XX/XXXX that they were not accepting the deposit. There branches were not open and no one helped in numerous calls to customer service. This error caused payments I made to bounce and caused my credit score to fall. BBVA refuses to respond to messages sent and continues to credit transactions and then have them disappear from the list without any notification as to why. I have screen shots of these for proof. I have banked with them for over 25 years and no one will explain and the customer service reps told me to contact the local branch, who said it was all done digitally. I want this rectified now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I've had both my XXXX and PayPal accounts for over 10 years. I sold 2 items on XXXX  which were both successful, no issues with either buyer. This was my first time selling anything on XXXX. I received confirmation that the funds were received from the buyers on XXXX and XXXX. My email address ( XXXX ) which was used in the XXXX transaction wasn't associated with my PayPal account. I figured this out through conversations with XXXX  when I wasn't seeing the funds in my PayPal account ( XXXX ). XXXX was very helpful and I have no complaint with them. I followed the steps to add that email address to my PayPal account and was able to see the transactions and pending funds. The funds were still on hold so I waited. On XXXX I received an email from PayPal indicating that I can no longer do business with PayPal and that the funds in my account would be held for 180 days. On XXXX I called PayPal to get more information but through the automated process the response what that my account was limited and they weren't able to help me over the phone. My only option was to reach out through the message center, so I did that same day. I asked for an explanation for why my account was limited. I received a response on XXXX that said " due to the excessive risk involved, we would like to begin parting ways ... ''. This doesn't provide any details as to why this decision was made. I would just like to know what flagged my account as risky so I can clarify anything that occured because nothing about my activity is risky.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Caine & Weiner has place a derogatory remark on my credit report. They are collecting for : XXXX. I have no knowledge of this account and was never notified by mail or otherwise regarding this alleged account. I was never given the opportunity to either dispute or request validation of this debt, pursuant to the Fair Credit Reporting Act the Fair Credit Billing Act and the Fair Debt Collections Practices Act. Which is my legal right as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: MI

Complaint narrative:
On XX/XX/XXXX I sent Experian a letter asking for validation of an account on my file. The responded on XX/XX/XXXX that the account information was obtained by the court though a third party vendor, XXXX. After verifying with the court that they do not share such information with any credit agencies I sent Experian a follow up letter XX/XX/XXXX stating such and that they're falsely verifying information they're reporting on my credit and that if they can not validate the information that they delete it. XX/XX/XXXX Experian sent me an update that they verified this information, but they have no way of verifying it and have not produced anything to state otherwise. I called hem after receiving the letter to let them know they were not properly verifying information and that if they did not correct the error I would have to report them. They refused. They have done this a lot in not truly verifying my information just saying that it has been verified. Please assist in the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peter Roberts & Associates, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I had a medical incident where I was taken to XXXX XXXX XXXX XXXX XXXX. Upon arrival my insurance information was given to medical centers staff. I later received a bill for the visit and found that they had not utilized my insurance for the charges. I called and tried to correct this a again provided them my insurance information. I then received another bill for the same amount again not utilizing my insurance coverage. This happened multiple times either me calling them to apply my insurance or them calling me and then explaining to them what happened, in each instance they told me they would make the correction which they never did. The last call I received from them they stated that the case had gotten too old and that my insurance could not be applied. This was the last contact I had with XXXX XXXX XXXX. Today I received a collection from Peter Roberts & Associates , Inc. attempting to collect a debt of {$3000.00}.

Company response to consumer: Closed with explanation