vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
FORTIVA gave me a credit card with a limit of XXXX. They were jealous of me and allowed me to spend XXXX which put me XXXX over what they gave me. This is not a bank card or bank account. There is NO overdraft feature at all. They added the XXXX and reported this to the credit agencies and said I went over the amount Fortiva gave me which is IMPOSSIBLE. I want them to fix what they reported and because they only gave me XXXX credit limit not XXXX credit limit. They advertised XXXX and then they changed the terms to report false information to the credit agency in order to change my credit utilization score intentionally. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Over or At Credit Limit XXXX/XXXX/FORTIVA XXXX has reported your account as over or at your credit limit. 

Financial XX/XX/2022 What happened? 
On XX/XX/2022, XXXXFORTIVA XXXX has reported to Experian that your account as over or at your credit limit. As a result your score went down XXXX points. 

Source : XXXX XXXX : XXXX/FORTIVA XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX ) XXXX Activity : Bank/Credit Card Over Credit Limit Balance Date : XX/XX/2022 Balance : {$1000.00} You are receiving this alert because your membership includes XXXX credit monitoring & alerts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial SE added this debt while under dispute with XXXX. Through XXXX XXXX XXXX. They are showing a new collector on my report. This is contradicting information 2 debt collectors are attempting to collect the same bill. There must be a law making this matter incorrect, illegal, and fraudulent. I have provided information regarding medical conditions and proof of insurance. This account is being tossed around by collection agencies. I have not received a reply from the previous collection agency and no communications from Phoenix Financial SE. This is causing continuous stress in this matter which is taking effect on my mental and physical health. I have not signed consent and I have contested this inaccurate amount with no feedback thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I had a Covid relief forbearance. I was approved for a modification when that ended. I have the final notarized copy of the modification from SPS and have made two payments. My first payment was due before XX/XX/22, I made a {$1100.00} on XX/XX/22 for that payment. Watching the status of my account online I noticed after XXXX that payment was not posted and applied to my account. On XX/XX/22 when my account still showed a XXXX payment due I made another payment of {$970.00} so my account wouldn't be past due and jeopardize the modification. SPS posted the {$970.00} payment to my account but have not posted the {$1100.00}. I have called SPS four times regarding this and the only response I get is " they haven't processed my modification yet ''. I spoke to a supervisor who sent an escalation to Cashiering to have my payment processed. According to the statement I've received it is still " not applied ''. I'm sure SPS is making interest on my {$1100.00} they have been holding since XX/XX/22. I should be paid the interest. Also, had my {$1100.00} payment posted when I paid it, it would have reduced my principal and saving me some interest for the next month. I called again on XX/XX/22, still no updates, the representative was rude and unhelpful. I called to set up reoccurring monthly payments and she talked in circles asking me what I wanted to do. I explained reoccurring payments. I got nowhere with her. I asked for a supervisor. She placed me on hold for at least 14 mins and came back to tell me she and her manager looked at my account and couldn't set up a reoccurring payment until a code was removed. She avoided letting me speak to a supervisor or manager. But she told me a reoccurring payment was set up but I needed to call in monthly for 6 months to pay by phone. I asked for the manager and after on hold several more minutes I hung up. Yesterday I spent 30 mins on the phone with SPS and accomplished nothing! Just like all the other calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: GA

Complaint narrative:
In response to complaint number XXXX Experian claims the verified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with the furnisher. My last complaint clearly stated a consumer reporting agency may not produce a consumer report containing transactions between the consumer and the person making the report. I did not as for anything to be verified. Furthermore Experian never provided the method of validation in order to verify those accounts. Did Experian speak to my neighbors or anyone I know? How did they validate those accounts. If Experian can not provide documentary evidence they actually did an investigation they need to cease violating my consumer rights.

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 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My issue involves WellsFargo Credit company due to them labeling me as deceased with no explanation. I want to say this error happened on XX/XX/XXXX. On XX/XX/XXXX, I contacted a Wellsfargo branch in person to submit a proof of life document, and called social security, in which I was told they had no indication of me being deceased and that they did not contact the bank. Basically, I have been given different dates on when my previous credit card will return to my account. 4 different occasions, I called the credit company and they would tell me wait until a certain day. That day would come or pass and I would be told a different date. Finally, I was transferred to their higher up on XX/XX/XXXX to be told they don't know why I was labeled as deceased and I would have to wait two more business days. I've been with this bank since I was a teenager for almost 14 years and I feel like they are being laxed and not completely honest with processing my documents to return credit card. I was in good standing with my credit card, and I'm even unable to get a new one because of their error. To know that Wellsfargo credit company does not have specific notes to why I was listed as deceased is disturbing and makes me feel that the process can happen again without them taking precautionary steps to ensure they have accurate information. This is another stress I have added to my life and I've tried getting help from them, to which they seem to be clueless.

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 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I called to make a payment on my Bank of America credit card. I was several days late with this payment, {$110.00}, which was due XX/XX/XXXX. I attempted to pay more than the amount due on XX/XX/XXXX, {$120.00}, but Bank of Americas automated system said that I owed the full amount due XX/XX/XXXX AND the full amount due next month on XX/XX/XXXX : {$290.00}. I can only pay {$120.00} at this time. 

Instead of allowing me to pay {$120.00} more than the amount due now - Bank of America transferred me to their customer service operator. No one picked up my call after 20 minutes. I tried calling back. I was transferred to their customer service line again and put on hold for 30 minutes. After no one came on the line, I hung up and tried to access my online account. 

This is where things became more disturbing : My checking account information had been deleted from my credit card account (?! ). I re-entered my checking account information so I could make a credit card payment but received a message that Bank of America requires verification of two deposits into my checking account before they'll allow me to make a payment from my checking account. 

This is fraud. I owe what was due XXXX XXXX. Playing deceitful games on their phone customer service line and on my online account doesn't help either me or Bank of America. I can't pay them what I owe, and Bank of America doesn't get the money that they're willing to commit fraud to receive.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc.
State: TX

Complaint narrative:
After signing up with Creditrepair.com as advertised by credit.com where we monitor our credit scores they offered a XXXX discount monthly in which was only honored for the first month and signing up my spouse to take advantage of the 50 % off for having multiple accounts. Creditrepair.com informed me after reaching out by their chat feature and calls the discounts are only honored for one month. We continued to use their service despite the mis advertised discounts. As more than 30-45 days passed we noticed little to no updates on the member portal. We have several accounts with dates from XX/XX/30 untouched. We also uploaded documents to assist with the process and no action was taken from XXXX until XX/XX/XXXX! This company purposely did not work on the items uploaded or Items from XXXX but continued to charge me. When I called I got XXXX on the line who told me numerous times use the website. I cant ask the website why work is not done that I am paying for. After some frustration I got to his manager who put in a Heavy documentation dispute. She informed me it is my duty to call after uploading documents and to review them with a CSR. Nowhere on their site or when I called in or in chats was this told to me. After calling and chatting to keep on top of everything I get another manager who tells me I am wrong and my account was opened in XXXX not XXXX and to look at my service agreement. Im looking at the agreement and it states XX/XX/XXXX. She realized she had the wrong account after I confirmed my sensitive information to confirm my identity. She stated I should call daily if I want any work done or she can cancel my account. Very rude and did not take responsibility for her mistake. I am asking for refund for dates from XXXX to current as services not rendered and promised not kept. Delays on their behalf. Rude Managers and no assistance throughout the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
Experian keeps violating my rights by keeping an account named : XXXX XXXX on my credit report which is inaccurate account showing 2 different accounts number and terms and they keep saying the account its verified by creditor when its a lie I will be providing bellow the proof that the account has errors and should be deleted immediately and permanently by 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 2022-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I applied for forebarence due to covid and the payments per our agreement were to be put back of the mortgage so I would not have any issues when it was over. I have been sent bills for XXXX needingg to pay ASAP. I have even tried with attorney and not help what so ever. I am reaching out to get the help I need. I have also had a friend who did that and FHA came in an paid her forbarence Previous mortgage company is XXXX and current is Carrington

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On Wednesday XX/XX/2022 I received notification of a Venmo payment from my XXXX XXXX of an unauthorized transaction in the amount of {$570.00} to an unknown individual by the name of " XXXX XXXX ''. 

I immediately contacted Venmo to report this issue and opened up a dispute case XXXX XXXX A temporary credit of {$580.00} was issued to my account, and then on XX/XX/2022 I received an email that stated '' Your Venmo dispute case has been denied ''. It stated the reason as " This decision was made because this transaction was not unauthorized. ". 

The dispute was initiated due to the transaction not being authorized, therefore the reasoning of the case being denied is not consistent with the the original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX  Account XXXX ACCOUNT NUMBER ENDING IN # XXXX and # XXXX has violated my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions!

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX  Account XXXX  ACCOUNT NUMBER ENDING IN # XXXX and # XXXX has violated my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This debt was paid when wages were garnished beach in 2019. I received a letter from the court stating it was paid in full. They have now come back twice trying to garnish again over the same debt. 
They are saying {$1500.00} are owed that was all paid already. I called many times and I have been put on hold. This is ruining my credit and my health. I need this to be settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My ID Theft company alerted me that an account had been opened in my name at TD Bank. Together we called the fraud department at TD Bank. The TD Bank employee took the information and stated that they would investigate and get back to me in writing. They also said that we were not to call to check on the progress of the investigation. They would give me NO information about the account type or anything. This was over 1 month ago and I have received nothing from TD Bank regarding this matter. 
As a result, I have had to freeze all of my accounts, launch fraud alerts at all of the credit bureaus and XXXX XXXX so I am not de-frauded. 

I want TD Bank to respond to this investigation, perhaps you have some leverage with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: CT

Complaint narrative:
I filed the attached complain regarding my card ending in XXXX. I received the attached letter from Capital One stating that as of XX/XX/2019 the account ending in XXXX shows the balance of {$1700.00}. The payment that was received on XXXX XXXX wasn't {$1400.00} but as you can see my bank statement attached is {$130000.00} on page XXXX {$320.00} on page XXXX and {$120.00} on page XXXX as well. So the total that I have paid so far is {$1700.00} which is on overpayment of XXXX. Please adjust your records and remove this from the credit bureaus as well. This has been reporting wrong for the past XXXX years in my account. If this isn't fixed soon it will leave me no choice but to file a lawsuit against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
XXXX letter XXXX phone call XXXX letter XXXX phone XXXX letter and call My account was subject to fraud and there are mutiple inquires made on my behalf. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX letter XXXX phone call XXXX letter XXXX phone XXXX letter and call My account was subject to fraud and there are mutiple inquires made on my behalf. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I deposit at a friend 's check into my account and they're giving me multiple excuse why they won't cash a check and the check is a good check and they're giving me the runaround and and am I supposed to be getting dividends paid for me every month which I complained about it and they didn't fix it and I think they're being on Fair with my money and the amount and I asked for an account audit of it and and they refuse to do that but the main reason writing this complaint is for the check that is good and they're refusing to cash it and they're giving me a different excuses for why they won't cash this check that is good

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Around XXXX of 2022 I phoned the XXXX XXXX to complain to the XXXX about no one answering the phones as I had a question. XXXX XXXX phoned me and said, You have 3 minutes You think you know everything And finally threatened to close my account and said and I quote, Ill tell you what I am gon na do, Im gon na close your account here. I filed a complaint both with the branch and the Chase XXXX department but no one took me seriously. The new branch XXXX named XXXX XXXX accused me falsely along with XXXX and lied and told their superiors that I had used graphic language towards XXXX and that other employees heard me using profanity. Theres just one problem with that story. I wasnt at the branch that day. After calling XXXX to complain she naturally took the side of her employee and then made a call to Chase and I received a letter in the mail from the bank falsely accusing me. This is a XXXX of justice! Clearly the private client group XXXX lied to his superior in the fear of losing his job as he threatened me with shutting down my account because his ego was bruised. I ended up opening a new bank account with XXXX who couldnt believe what was done to me. I had been with Chase for over 14 years and suddenly Im a threat to the branch and its employees who Ive been baking for for years and who I knew on a first name basis,

Company response to consumer: Closed with explanation