vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/2021 -- Made mortgage payment to US Bank via US Bank portal ( Bill Payments -- > Pay US Bank Account ) Payment was applied as a principal-only payment rather than as a monthly payment ; due date for monthly mortgage payment did not change. ( This event followed a number of administrative errors made by US Bank Home Mortgage following a mortgage refinance. )

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 2021-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In the timeperiod between XX/XX/XXXX through XX/XX/XXXX Comenity bank has repeatedly decreased my credit limit on my store credit cards purposely damaging my credit, starting with XXXX credit card in XX/XX/XXXX they continued to decrease my limit even after timely payments, once it was paid to a XXXX balance they closed it. Next was Children 's Place credit card, once it was paid they closed it also in XXXX. Currently it's XXXX credit card, I paid it down to a {$160.00} balance and they dropped my credit limit to {$100.00}, this was XX/XX/XXXX. My Victoria 's secret card has been paid on time each month, they recently dropped my limit down by {$150.00} as of XX/XX/XXXX now its my New York and Company card, on time payments, they dropped my card limit to {$150.00}, this feels like a tactic to either hurt my credit score or force me to spend more and gain more debt by closing my card or decreasing my credit card limits. I am in the process of repairing my credit score and have been on time with my payments, I need to bring my card balances to at least 10 %, Comenity continues to harm my fico because I don't get into further debt with them by using my credit cards, they rather lower my credit limit to slowly close my accounts one by one. They provide a letter stating the reasons such as no real estate, high balances on my students Ioans ( which are deferre ), not everyone has real estate and students loan balances shouldn't be a factor. I feel comenity is using a tactic because I don't spend and allow them to benefit from any further Interest off higher balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have made several disputes to XXXX, Equifax, and XXXX  about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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

Complaint narrative:
Dear Sir/Mam, I initially filed a complain regarding fraudulent charges on my closed credit card. My complaint reference # is : XXXX. The collection company responded, and it says the file is closed, i am just wondering what is the status of my complaint? is the dept removed from credit history because i do not owe this charge. 
The collection agency has provided w/ the credit card statement and it shows that the charge XXXX {$100.00} XXXX was placed on the account on XXXX XXXX, XXXX XXXX late charges accumulated over time up to {$220.00} at later dates ) and seems like an online transaction, but i am outside the United States since XXXX. 
Can you please help me and remove this charge from my credit history? 

{$220.00} is not a big amount i would have taken care of it if it was genuine charge and a purchase done by me, but this is fraud and i did not make an online purchase nor this is my charge. 

Kindly please help and guide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
Due to financial hardships, I decided to turn in a car I could no longer afford. The car was returned to the lending company and an agreement made to pay monthly payments in the amount of {$50.00}. A few months into the arrangement, I was asked to increase my payments. I refused because I did not want to agree to a payment I could not afford. Therefore I continued making payments until XX/XX/2019. In XXXX of 2019 the company stop accepting my payments. My online account was disabled and I was told by a collection representative that payments were no longer being accepted and they were pursuing another means of collecting the payment. I tried for several weeks to speak with a supervisor. I was talked to in a very unprofessional manner from several representatives to include the supervisor. I asked for statements and records of my account and was never sent that information. In XXXX I received an email from my HR department notifying me of a garnishment for this account. Days later I received a letter from the company about the garnishment. I attempted to appeal the decision and make several settlement offers but each offer was denied and countered with an amount not much less than the balance this company claim I owed. I've since attempted to offer a settlement but again was countered with an amount not much less than one of the balances this company has reported I owed. The amount the company says I owe is always higher than the amount reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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:
The following inquiries are fraudulent inquiries on my credit report made from identity theft. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

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 2021-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received letters from Wells Fargo saying that I got deny my claim. On the date XX/XX/21 my bank account got hacked and somehow someone live a day from me E-withdraw my money that I didn't know and I didn't withdraw my money. After I saw my money withdraw I ran to the bank and report to them right away. Don't know why they didn't verify the location and match the time when I report to them. I need help The amount was XXXX and XXXX, total is 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 monetary relief
Consumer complaint received 2021-02-04 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: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX of 2019 Several purchases was made on 2 of my citi cards.Citi left several messages on my answering machaine to let me know some fraud activity was going on concerning my cards.They keep rebilling me for some purchases I didnt do or authorize anybody to make any purchases. I sent them receipts on my purchases.Now they saying they dont want to talk to me anymore because the case is close they put me on a program to pay for items I didnt create. I no longer have a job due to XXXX my brother paying it back for me and I really dont know how long he will continue to pay this bill. I need help I feel like Iam being bullied by this company.

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 2021-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Security Finance is in major violation of the FDCPA they've contacted my co-worker " XXXX XXXX '' regarding an account. 

According to section FDCPA Section 805 ( b ) this is against federal law! 

This is deemed a violation of the " FDCPA '' calling any third party about your debt such as friends neighbors or relatives.

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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I cancelled my cable service with XXXX XXXX XXXX XXXX and was told I would receive a final invoice for the pro-rated amount, I never received the final bill from the original creditor as required by law. Suddenly, I received a debt collector notification in the mail. Had I been sent a final invoice, I would have paid it. Now, it was illegally forwarded to debt collection service who has put a derogatory remark on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: TX

Complaint narrative:
insurance company paid for this radiology bill, my documents stated insurance carrier paid the balance in dispute, i informed them several times, with documents several times,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Paramount Recovery Systems, L.P.
State: AL

Complaint narrative:
someone used my Identity to gain medical help, and accumulated a debt of {$1100.00}. it was assigned to a collection agency and reported on my credit profile by PARAMOUNT RECOVERY SYSTM -Account number XXXX, I have requested all three credit report agencies to delete the identity theft account. Both XXXX and XXXX  have initiated a general dispute ( 30 days ) instead of the guidelines set forth by the FTC through the Fair credit reporting act section 605B which requests the reporting agencies to delete the Fraudulent accounts from my credit profiles within 4 days. Both XXXX and XXXX failed to do so. I have uploaded all supporting documents to both agencies and i was informed that my request does not meet the standard fair credit report requirments to delete the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: AL

Complaint narrative:
someone used my Identity to gain medical help, and accumulated a debt of {$1100.00}. it was assigned to a collection agency and reported on my credit profile by XXXX XXXX XXXX -Account number XXXX, I have requested all three credit report agencies to delete the identity theft account. Both Equifax and XXXX have initiated a general dispute ( 30 days ) instead of the guidelines set forth by the FTC through the Fair credit reporting act section 605B which requests the reporting agencies to delete the Fraudulent accounts from my credit profiles within 4 days. Both XXXX and equifax failed to do so. I have uploaded all supporting documents to both agencies and i was informed that my request does not meet the standard fair credit report requirments to delete the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The alleged debt that has been reported on my consumer reports is the amount of {$16000.00}. I never received any notice of alleged debt to dispute. It is a defamation of my character/reputation. I have reached out to the company to dispute the alleged debt and am waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: GA

Complaint narrative:
This is an auto loan account that has been placed against my credit. This account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: OK

Complaint narrative:
I have reached out to the company on multiple occasions to verify the debt. They will not be send anything to verify but threaten and harass me with phone calls after contacting them. They call several times a day, back to back but will not verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Community Health Investment Company, LLC.
State: FL

Complaint narrative:
Professional Account Services has been harassing my wife and I over a hospital bill that we are currently disputing with them because the state of Florida should be paying via retroactive medicaid. This bill is from XX/XX/2020 when I was laid off due to Covid and my son was born. Insurance paid their portion, the rest was supposed to be submitted by the hospital to the state of Florida for medicaid to cover. The hospital failed to do so and failed to notify us either by mail or by phone for six months after my son 's birth. When they finally did notify us, it was to tell us that the outstanding balance of over {$5000.00} was being sent to a collection agency. My wife and I have been going back and forth between the hospital and the state to solve this problem but the debt collection keeps calling and has used aggressive and abusive language towards my wife and has been calling every few days at random hours and while I'm at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I would like the creditor to comply, the alledged debt is outdate information reporting and has met the 7 year mark. please send me proof with all necessary information on the price and terms of credit. the account should not be reporting but dropped off. I can see the account still reporting on 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 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Due to financial hardships, I decided to turn in a car I could no longer afford. The car was returned to the lending company and an agreement made to pay monthly payments in the amount of {$50.00}. A few months into the arrangement, I was asked to increase my payments. I refused because I did not want to agree to a payment I could not afford. Therefore I continued making payments until XX/XX/2019. In XXXX of XXXX the company stop accepting my payments. My online account was disabled and I was told by a collection representative that payments were no longer being accepted and they were pursuing another means of collecting the payment. I tried for several weeks to speak with a supervisor. I was talked to in a very unprofessional manner from several representatives to include the supervisor. I asked for statements and records of my account and was never sent that information. In XXXX I received an email from my HR department notifying me of a garnishment for this account. Days later I received a letter from the company about the garnishment. I attempted to appeal the decision and make several settlement offers but each offer was denied and countered with an amount not much less than the balance this company claim I owed. I've since attempted to offer a settlement but again was countered with an amount not much less than one of the balances this company has reported I owed. The amount the company says I owe is always higher than the amount reported to the credit bureau.

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 2021-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have attached correspondence, but essentially, TD Bank refuses to close my account unless I : 1 ) Visit a branch in person that is hours away, risking the health and safety of my family during a worldwide pandemic, 2 ) Get a notarized letter, the process of which risks the health and safety of my family during a worldwide pandemic, to facilitate closure of the account, or 3 ) transfer out the funds from the account - which had already been done until they accrued {$0.00} of interest before processing the closure - an amount too low to transfer. Rather than writing if out or issuing a check, it's " hey we don't care about COVID '' - over literally XXXX XXXX. Their recklessness is shocking and disturbing to me, and if I weren't already trying to close my account I surely would be now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 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: PA

Complaint narrative:
I sale XXXX XXXX, XXXX, XXXX, and etc. I use XXXX to connect with a plethora of customers. The money goes to Paypal and they hold the cash which I understand because of the customer. I have been using XXXX for sometime now and Paypal. However, Paypal has put a 180 Day hold on my funds. They first limited my account and asked for proof of business. I gave them the sales information from XXXX and even gave receipts of me sending the items to each customer with the USPS. However, they banned my account still. I contacted them numerous amounts of times, but to no avail. I finally got in touch with someone through Paypal on XXXX and they said there was nothing they could do to fix the my issue. 
XXXX XXXX XXXX " Wave Runner '' on Saturday, XX/XX/2021 for XXXX, The item was delivered to the customer on XX/XX/2021 XXXX XXXX XXXX Off-White " Sail '' on Monday, XX/XX/2021 for XXXX, The item was delivered XX/XX/2021 XXXX XXXX XXXX " XXXX XXXX Cactus XXXX '' on Wednesday XX/XX/2021 for XXXX, The item was delivered XX/XX/2021 XXXX XXXX " Alphaedge '' on Saturday, XX/XX/2021 for XXXX I still had these shoes up on auction and someone bought them, but because my account was banned the money went straight to Paypal. I contacted XXXX about my situation and they told me to refund the buyer in which I did, but I could not do that with the other buyers because they already received there items. My linked email for Paypal is XXXX XXXX

Company response to consumer: Closed with explanation