vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is an unlawful organization that frequently is sued for violating the FDCPA and The FCRA. Please not in 2015 the CFPB sued Portfolio for several violations resulting in a {>= $1,000,000} settlement. In my case I have asked for and NOT received required documentation under Section 609 FCRA, which requires certain documents to be provided to a consumer in the case of identity theft. Portfolio despite being notified in numerous occasions has failed to provide the required documentation under Section 609 FCRA to me at any point. The only thing they sent was a manufactured letter to an address I have never lived at. 

Please find a copy of my notice to XXXX, XXXX  and XXXX  that was also sent to various creditors where my identity has been assumed and derogatory items placed against my credit report. I am also attaching notices of various lawsuits filed against Portfolio for engaging in the same misconduct they are currently engaging in with regard to my personal credit file. 

Portfolio buys debts, they obviously can not produce the required documentation because of two reasons : I did not open this account and Portfolio does not have the required documentation under Section 609 FCRA and therefore the item must be deleted from my credit report since they can not and have not produced this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Following a billing dispute. two disputed transactions # XXXX and # XXXX, there were two provisional credits on my account totaling {$720.00} after i made {$1000.00} wells fargo sent a credit balance of {$720.00} by check XX/XX/2020, check # XXXX, but had to be reissued on XX/XX/2020, with check # XXXX {$720.00}. I take wells fargo 2 month to issue a check to arrived, when that check was cashed it was return and bank has to charged me {$12.00} fees.

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
The basis of my complaint is an attempt by a debt collection agency to collect an invalid debt based upon a charge by an insurance company that was never authorized and was made against my express written instructions to it for. 

I previously had my auto insurance with XXXX XXXX, a XXXX XXXX XXXX. My auto insurance policy with XXXX was set to expire XX/XX/2020. I received a proposed renewal billing statement dated XX/XX/2020 that showed a huge increase in my auto insurance premium. After unsuccessfully attempting to resolve this with XXXX, I obtained auto insurance, effective XX/XX/2020 with a different insurance company, XXXX XXXX XXXX. 

I informed XXXX  in a letter dated XX/XX/2020 that I would not be renewing that auto insurance policy ( or any of my other policies with XXXX  ) and that my auto policy with XXXX would expire on XX/XX/2020 without being renewed. 

XXXX ignored my instructions to let the auto policy lapse. Instead, without my authorization, and against my written instructions, XXXX took it upon itself to renew my policy with them even though I had informed them in writing that I had obtained different auto insurance coverage and that my policy with them was not to be renewed. 

XXXX then turned the matter over to a debt collection agency, Credit Collection Services, which has sent repeated unjustified debt collection letters to attempt to collect this invalid debt. I have repeatedly responded to Credit Collection Services but that entity has repeatedly refused to even acknowledge receipt of the written proof of insurance cancellation that I provided to it. Instead, I have received numerous dunning form letters attempting to collect this invalid debt. 

Enclosed with this complaint are copies of all of the relevant correspondence concerning the attempted enforcement of this invalid charge by XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I contacted Barclays on XX/XX/XXXX to report that my card was stolen and three transactions were identified as fraudulent, the three transaction amounts are : {$230.00} on XX/XX/XXXX, {$86.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX. My old account ending in XXXX was closed and a new card ending in XXXX was issued. The {$440.00} transaction was removed and did not post to my account statement that ended on XX/XX/XXXX but the remaining two transactions of {$230.00} and {$86.00} posted to my new account ending in XXXX even though these are identified as fraudulent transactions. I contacted the bank three times to have these two transactions removed or credited temporarily due to it being fraud. The bank unfortunately has not been able to investigate these transactions after almost 30 days has passed nor have they posted a temporarily credit while they investigate the transactions. I want to pay my statement balance in full but it is irregular to pay the amounts that includes the two fraud transactions that does not belong to me. The bank says they are experiencing heavy fraud claim volume as the result for the delay but I can not wait any longer since Interest charges will accrue if I pay the amount minus the fraudulent amounts. I hope the bank can fix this issue as quickly as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
I lost my job and my home in XXXX after Hurricane Harvey. I used this card minimally before this all happened. I had to move and I didn't have a permanent mailing address until I rented a home in XXXX. I am trying to get a VA Loan to get back on my feet and this my lender said this information which shows as " revolving credit '', derogatory, but closed is keeping me from qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: GA

Complaint narrative:
For the past 2 years, I have been actively disputing 2 accounts listed on my credit report that are not mine. I have provided proof that the bill belongs to another person and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the means of verification, when asked.

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH mortgage took over from its parent company Ocwen and I have been struggling with this financial institution representing XXXX XXXX  since I managed to obtain a loan modification package granted in XXXX. 
I have proof that they make it impossible to cure default and are drowning us in fraudulent fees that I have investigated as fake such as {$910.00} title insurance with XXXX XXXX XXXX trust escrow which does not Exist when I contacted the telephone info goes back to the parent company itself. 
In XX/XX/XXXX a statement for the amount required to cure default was requested and the amount of funds was transferred which totaled {$20000.00} but they took over {$10000.00} in fees and did not cure the default but rather claimed another {$12000.00} was due by XXXX. 
I had no choice but to file chapter XXXX and that did not work either. They managed to file papers with the court during the pandemic requesting more than double monthly payments {$5000.00} per month for a {$2000.00} mortgage and the amount {$30000.00} was sent and they still sent a notice of default

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: GA

Complaint narrative:
company has violated multiple federally protected consumer rights. 
company has assigned a debt to an attorney to collect. 
company released sensitive private medical information. 
company shared false information on my credit report with out my written consent. 
XXXX {$600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XXXX, TransUnion and XXXX  kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, Equifax, XXXX  and XXXX kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I had my unemployment card/information hacked, and money was withdrawn from my account. I called Bank of America to report the fraud, and they opened a claim and said they would send a new card. I reported the theft to the police and faxed the police report to B of A. a few days later, I received my new card, and within one day, they voided that card and closed my account. I have repeatedly called BofA and the Nevada DETR ( unemployment ), and they both blame the other for closing my account. I have done everything asked of me, including sending a copy of my driver 's license and social security cards to prove my identity. As of this day ( XX/XX/XXXX ), I still have not had my account reopened, nor have I received any of my unemployment and government money. This is causing undue hardship on my family, and taking care of my family 's necessities is becoming impossible. All because Bank of America did not want to look into the fraud committed on my unemployment card. Nevada Unemployment hasn't been much help either, as they've offered no solution to the problem, even though I call them 3-5 times a week. I get the same lame excuses from them, just like I receive the lame excuses from BofA. They are the ones committing fraud here on thousands of innocent families.

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 2021-01-26 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2020, I logged in to my Synchrony Bank Amazon credit card account. I saw a banner on the page notifying me that my account had been closed. In the week or so prior to this, I had attempted to make a payment on my card, and the payment said 'returned '. I could not understand why, seeing as I had sufficient funds in my account. I therefore tried the payment again, only to get the same message several days later 'returned '. I spoke to an agent, and it was discovered I had entered my bank information incorrectly. I was assured that as it was obvious the payments were returned due to my clerical error, this wouldn't be held against me, and my account would be held in good standing. I proceeded to correct my error and made a full payment. Several days later, I logged back in, and I saw the banner saying my account had been closed. I contacted Synchrony and requested that my balance of points, totaling in excess of {$500.00} cash back I had earned, be sent to me by way of check or other means, as my account had apparently been closed ; contrary to what was promised me by their agents. I spoke with Synchrony online and was informed there was nothing to be done, they had closed my account immediately upon receiving my payment despite telling me they would do otherwise, and I would not be receiving any of the XXXX XXXX dollars rightfully mine. I now have an account that they closed, despite promising me otherwise, and I am now missing many hundreds of dollars I earned. I attempted to speak with them further, was put on interminably long holds, and was unable to make any progress. 
I filed a CFPB complaint on XX/XX/2020. 
My complaint is now closed as the company says they reached out to me and have not heard back. 
This is false. I will happily provide call logs and SMS history to show as such. 
Additionally, the company states the reason for my account closure and seizure of my funds is something on my XXXX credit report shows a 'high probability ' of me not being able to make the payments. 
I ordered a copy of this report, and every single account on my credit report is in good standing. There are no negative marks or notations. It follows that my account was closed, and my funds seized, with absolutely no good cause. 
The company has never reached out directly to me, providing a name and/or number I can speak with, other than providing me their general Customer Service phone number, at which there is nobody that can provide any further info. 
The company is unresponsive to multiple and repeated requests for further information, and they are still in possession of my money.

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 2021-01-26 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I went to Security FINANCE, TO SEE THE MANAGER ; XXXX. XXXX XXXX WHERE I GOT THE LOAN.SHE SAID ; SHE SENT THEM AN EMAIL ( 3 ) TIMES. THEY MADE AN CHANGE ON THE BAL. BUT IT WASNT RIGHT. I CALLED XXXX TWICE, AND TOLD HER A THIRD TIME WHEN I WAS MAKING A PAYMENT, AND SHE SAID SHE WOULD SENT ANOTHER EMAIL. THEN I CALLED THE HEADQUARTERS, IN S. CAROLINA. THE LADY TOLD ME THAT THEY REPORTED IT, AND ITS RIGHT, I TOLD HER THE BALANCE SAID ; {$340.00}. BUT THE REAL BALANCE IS {$140.00}. They finally dropped IT TO {$240.00}. IT STILL IS WRONG. I NEED YOU TO MAKE THESE PEOPLE REPORT THE CORRECT INFORMATION TO THESE 3 BUREAUS. ITS AFFECTING MY CREDIT SCORES. THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I purchased a cellphone for my wife for XXXX from XXXX. The phone did not work. The told me to send it back for refund in which i did and they refunded my XXXX $ back to my XXXX gift card. I asked them to put the funds back on my original payment method which was MasterCard but they said they could not transfer balances to another account so i filed a dispute with my bank. They requested all documents supporting my return and refund in which i did. MasterCard made the XXXX $ available and took it back as i was attempting to purchase the phone from my phone company in which the transaction was declined. They told me that it was not available because i had not won my dispute. They then made XXXX $ available in which i withdrew but then said that it was not available because i did not win and XXXX did not refund the money so they are charging me again for the XXXX $ i withdrew. MasterCard is saying that XXXX is saying that i never returned the phone but i emailed all documents supporting the return and XXXX gift card refund. I know that XXXX refunded the money but they are saying they didn't and still charging me for the XXXX $ in which I'm still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I signed up for a bank account with TD bank using a promotion that offered a cash sign up bonus for setting up direct deposit and meeting a few other conditions. I carefully read the fine print and made sure I was eligible, and the promotional code offered applied to the account when I opened it. I met all of the conditions and the promised bonus was not applied to my account by the timeline specified. I contacted TD bank and they said I wasn't eligible for the bonus because I've received a bonus from them before. This is not in the terms and conditions of the offer at all, and in fact the terms just state you are ineligible if you've had an open account in the past 12 months ( I have not ). I feel cheated because I've now had thousands of dollars in this bank since the summer as I was trying to meet the conditions of the bonus, to no avail. I was wrongly led by the bank to open this account, and I would never have chosen to bank with them and leave my money in there if I knew they wouldn't honor the promotion I signed up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: VT

Complaint narrative:
I am in process of a refinance with my current first mortgage holder. I have a second mortgage with Keybank, that I took out last year. At the time this was labeled what they called a " high loan to value '' home equity loan ( closed ended loan ). We had an appraisal and the LTV was about 99 %. Fast forward to today, I have a closing scheduled to refinance my primary mortgage and lower the rate by 1.125 %, causing a $ XXXX/m savings, at the SAME term I have left XXXX payments, and KeyBank has DENIED the subordination, causing me to not be able to close. Keybank is stating they will not allow TLTV to be over 90 %. My issue is that they put me in this position and now will not " allow '' me to save money with my current lender. Nothing has changed since 1 year ago, in fact my credit and income is better, and value has only increased. I've never missed a payment and consistently pay MORE than the minimum. Refinancing will allow me to have even more funds to pay this loan off. It is not a line and there is no risk of additional exposure. 

I need to understand the reasoning here, and when I called I was told I could not talk to the decision maker and basically have no options to dispute this. I need to know how they were ok putting me here 1 year ago, and now are not ok with the position they put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank is in violation of multiple federally protected consumer rights. 
company has damaged my credit report and reputation. 
company has shared private consumer information with a 3rd party without written consent or permission.

Company response to consumer: Closed with non-monetary relief