vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fenton & McGarvey Law Firm, P.S.C.
State: TN

Complaint narrative:
I was told to send in my bank statement so they can see that I check did clear. I sent my information on XX/XX/18. I was told that they were going to garnish my bank due to a returned check on XX/XX/18 and I made a payment on XX/XX/18 to make up for that payment. So I was sending my statement to avoid garnishment. I called XX/XX/18 to check on the status of not having a garnishment because of this returned payment because I sent a cleared one. XXXX a representative stated that I had a garnishment on my bank account since XXXX of XXXX. Because I made a payment of XXXX and another one for XXXX. I have been sending in payments. I did not know of any garnishment until XX/XX/18. I told XXXX she did not know her job. I wanted to avoid a garnishment so who can I send the payment to? She stated that my bank is going to be garnished anyway so no point to send a payment. XXXX than called me right after I hung up because she felt the need to harass me at XXXX XXXX pm. After I hung up on her. Why garnish my check when I have been making monthly payments. I know it is unfair. Fenton Law Firm sent me a notice XX/XX/18 stating that my check was returned if my attempt to make this payment give them a call. I called XX/XX/18. To resolve this situtuation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: MA

Complaint narrative:
On XX/XX/XXXX, There were a series of fraud transactions online on XXXX using my XXXX XXXX credit card. I got email 's confirming all these transactions ( 6 orders ). Immediately I called up XXXX  and reported all the transactions. They told me they will take care of all the transactions and cancelled few of those transactions except two of them. 

I have repeatedly called XXXX XXXX and each time they refer me to the fraud department which is closed most of the time I called and once when I got fraud department the have referred me back to a different number. 

I am tired of complaining with XXXX XXXX and meanwhile I am getting late fee and interest charges on these fraud transactions. 

Fraud orders on XXXX ( most of them are reversed out after my initial complaint. 
Order # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX On XX/XX/28, my XXXX XXXX credit card ending with XXXX shows the two below transactions REFERENCE NUMBER - XXXX Amount - XXXX Reference NUmber - XXXX Amount - 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 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
XXXX XXXX  sold my contract to XXXX XXXX XXXX. XXXX was in the middle of fixing the known issue with the fire tax payment, they are not supposed to be paid from escrow. 
My property taxes are due XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX and told them my city taxes were not paid. They said they would look into it because they had XX/XX/XXXX as the due date. They sent me a certified letter saying that they were correct. I contacted them again on XX/XX/XXXX as my taxes were still not paid on XX/XX/XXXX. They eventually got paid by XX/XX/XXXX. The other issue is they are not supposed to pay my fire tax this is a utility tax. They think it is still my property tax and it is not. If they were going to pay all my utility taxes they would be paying the sewer tax and all my motor vehicle property tax. This is what XXXX XXXX was in the middle of fixing before they sold the whole contract over to them. I contacted XXXX three times to try to fix this. Their customer service is unresponsive and incompetent. I have put in a complaint to the XXXX XXXX XXXX only to have them keep saying that they are correct and I'm wrong. I had to pay back to my escrow account {$420.00} back to XXXX XXXX to make sure my escrow account was not below balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I didnt know about this debt until it was already on my credit report- I did take my grand daughter to an emergency clinic where we met her dad. 
They had Medicaid and I didnt receive any bills. 
It is also on my credit report twice for the same amount and the same day The collection agency is Paramount Recovery

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Transunion has been very irritating to work with. I spoke with XXXX XXXX back in XX/XX/XXXX to remove a negative account. They charged it off back in XX/XX/2016 for {$1900.00}. They decided to give me a second chance so they just cancelled it out. Spoke with XXXX and transunion after to let them know. I sent the letter from XXXX XXXX over to them both and neither have updated it. XXXX at least agreed to remove it where transunion just told me no. I also have 14 hard inquiries and should only have 4. 5 or 6 from the last week for a car. I have a car. Not sure why I have so many. The only ones I should have is for XXXX, XXXX XXXX, XXXX card, XXXX card and I believe a XXXX XXXX, one. Not even close to 14. My credit went from over 700 to less than 650 with these issues. Id appreciate if it can be fixed. Working on my credit to buy a home in a year or two so I've been careful not to do too much with my credit. I appreciate any help you guys can give me. 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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Applied for Capitol One Justice Credit Card. Received a denial letter stating reason was " legal action pending against applicant ''. It does not state with whom either. As far as I know I have no legal action pending against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: FACTUAL DATA CORP.
State: CO

Complaint narrative:
this company has ran my credit three times in the last 3 years, all three times the information they posted was fraudulent and extremely inaccurate. as of XX/XX/2018 my credit scores listed from four different sources all match right down to the number on all three credit reporting agencies, XXXX= XXXX, XXXX=XXXX, and XXXX=XXXX from the agencies themselves, furthermore XXXX, XXXX XXXX, and XXXX XXXX  creditwise all state the same numbers too.

factual data is factual XXXX and factual fraud, they listed numbers 35-55 points lower than what it actually states on the reports, because of this it has stopped me not once but more than 3 times buying a house. I am a vet and a XXXX one at that I am tired of companies like this making it impossible for vets and folks like me to secure a home, and this is a direct violation of my 14th amendment rights and the fair credit act.

this company has a history of complaints from the XXXX to the consumer alert agency of running unauthorized credit checks to illicit, incorrect, or fraudulent information to mortgage companies complaints from several individuals

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2018, I visited a TD Bank branch on XXXX and XXXX, XXXX, to convert money for an upcoming trip. I was informed that the rate was {$1.00} USD to {$1.00} EUR. I informed the representative in the bank that it seemed wrong but she insisted and stated that in addition I would be charged a fee of {$7.00}. I have no problem with the fee, I have a problem with the extra {$83.00} that I was charged. When I arrived at home I went on several bank and financial sites and saw that the rate on this day was {$1.00} US to XXXX EUR. So for {$400.00} EUR I paid {$490.00}. 

I immediately contacted the number on the back of my TD Card and was informed that they could not tell me the exchange rate nor could they do anything about it and that I had to call the number on my receipt. I contacted the number on the receipt given to me by TD Bank and while on hold it said TD Bank foreign exchange but when the representative answered and I informed her of the matter she stated that I had contacted the wrong number and needed to call the number on the back of my card. I explained that I had done that and was referred to her number for assistance I asked what the exchange rate was she stated that it depended on where I reside so she is unable to provide me with that information. Complete dishonesty and a runaround.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was in a XXXX chair in XX/XX/2017 getting XX/XX/XXXX treatment. I couldn't afford the cost so they offered this plan from a company called " XXXX XXXX ''. 

She explained to me that if I didn't pay it off in a year I would be charged interest. 
I used the XXXX XXXX credit for treatment and begun making payments. I had other XXXX  work charged to this card as well. 

My concerns are how this company goes about getting people to sign onto their plans, the amount and types of ways to setup the customer for failure, and the amount of interest actually charged. 

I paid nearly double the minimum every month, but due to stressful life conditions, such as losing my job and illness I was unable to focus on the account closely. 

The minimum payment guarantees the customer for failure. I was nearly paid off by making my payments, but not quite enough, after 1 year, over {$1300.00} worth of interest was charged to my account, more than any single XXXX  I had had. I was so shocked I felt sick due to the powerful emotions of this. 

I spoke with a representative from the XXXX office and she tried to speak too them on my behalf but stated nothing could be done. I signed the contract, therefore this is all my fault. 

I could have signed up for a brand new credit card and have gotten a better deal than this.

How they setup the customer for failure : 1. They shouldn't be trying to charge people more than even basic credit cards for insure, especially given the nature of it being medical.

2. They have no reminder or notifications aside from logging into the account.

3. The minimum payment or even double the minimum guarantees massive interest charges for the user.

4. This credit system is offered when the customer is vulnerable and in a XXXX chair after being given an explanation of health concerns.

5. They wouldn't offer any type of reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates sent letters to my home, I ask them to validate however they sent no original contract or anything with me opening up account with XXXX XXXX, just sent the amount they say I owe. They person called stated they from XXXX XXXX lies and told the person in the phone I can do a payment plan however they violated for one hownyou calling when I wrote to them my validation stated dont try contacting me they look my address up online and got the phone number its not my house its my friends house I use to reside in so why would they tell them I owe money to them and second it wasnt XXXX XXXX it was Portfolio Recovery Associates. They never sent a validation just old statements and nothing with my signature on it and I dont live in XXXX anymore I have moved to XXXX  so I will be calling contacting a lawyer under the FCRA they are required to show me a contract with my signature on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 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: ND

Complaint narrative:
XXXX has been very irritating to work with. I spoke with XXXX XXXX  back in XXXX to remove a negative account. They charged it off back in 2016 for {$1900.00}. They decided to give me a second chance so they just cancelled it out. Spoke with Equifax and XXXX after to let them know. I sent the letter from XXXX XXXX  over to them both and neither have updated it. Equifax at least agreed to remove it where XXXX  just told me no. I also have 14 hard inquiries and should only have 4. 5 or 6 from the last week for a car. I have a car. Not sure why I have so many. The only ones I should have is for XXXX, XXXX XXXX, XXXX card, XXXX card and I believe a XXXX   XXXX, one. Not even close to 14. My credit went from over 700 to less than 650 with these issues. Id appreciate if it can be fixed. Working on my credit to buy a home in a year or two so I've  been careful not to do too much with my credit. I appreciate any help you guys can give me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: IN

Complaint narrative:
Kimbell, Tirey, & St. John LLP sent me a notification of the debt I owed after sending a proof of debt letter. I then set up a payment plan because of the large amount of money that is being asked of me. I am a XXXX XXXX  and can not financially make large sum of payments. After my first payment last month, I noticed extra fees being added to the amount that I owed to the original creditors. I really only owe {$6000.00} and I have recently made two payments on that with the little money I do have. They have added over {$500.00} in fees to the large sum of money I am already paying on. They are making it so I will be paying on this bill for years. I am to pay only the money that I owe to the original creditor, so these extra fees need to be eliminated from my bill. They started adding these fees while I was in the process of validating this debt and they also had incorrect information with the first letters they sent me. They threatened to put a mark on my young credit report and did not send a letter to the other person who this debt was mainly under. What they are doing is unethical and they have been since the beginning of my interaction with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I was told to send in my bank statement so they can see that I check did clear. I sent my information on XX/XX/18. I was told that they were going to garnish my bank due to a returned check on XX/XX/18 and I made a payment on XX/XX/18 to make up for that payment. So I was sending my statement to avoid garnishment. I called XX/XX/18 to check on the status of not having a garnishment because of this returned payment because I sent a cleared one. XXXX a representative stated that I had a garnishment on my bank account since XX/XX/2018. Because I made a payment of XXXX and another one for XXXX. I have been sending in payments. I did not know of any garnishment until XX/XX/18. I told XXXX she did not know her job. I wanted to avoid a garnishment so who can I send the payment to? She stated that my bank is going to be garnished anyway so no point to send a payment. XXXX than called me right after I hung up because she felt the need to harass me at XX/XX/18bat XXXX XXXX. After I hung up on her. Why garnish my check when I have been making monthly payments. I know it is unfair. XXXX XXXX XXXX  sent me a notice XX/XX/18 stating that my check was returned if my attempt to make this payment give them a call. I called XX/XX/18. To resolve this situtuation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: SC

Complaint narrative:
i was a victim of hurricane irma XX/XX/2017 my address was XXXX XXXX XXXX XXXX XXXX fl XXXX my mortgage company Home point financial advised that they could do a mortgage forbearance for me due to the natural disaster that occurred. 
I had not missed a payment before this but due to the hurricane my work was affected and i had to pay a high deductible for my roof to be replaced. the total amount was over 5000 dollars as well as hotels for my family of XXXX children. all of our groceries were lost due to power being out. I continued the mortgage forbearance until XXXX when i could sell my home and pay off all debts to the lender. i found out after the fact that they were reporting me late to the credit reporting agencies. i can not apply for a loan due to this. i would like this to be noted that i paid my load every month on time before this disaster. i would like to file a complaint against this company since to my understanding from the FHA.gov website during this natural disaster they could not report to the credit companies negative. they have done this and despite a dozen calls and letters to this company they continue to hurt my chances to buy another home due to no fault of my own. the company received their entire mortgage amount and am not able to get another loan due to their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The incident first accord XX/XX/2018 the. On XX/XX/XXXX my account was closed for the second time for the same reason which was no reason at all, and both times my credit score went down 60 points making me unable to get a house or apartment. This is taking a toll on my life and this can not keep happening Ive made all my payments on time kept my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I am being help responsible for a account that is not mine I lost my information and this account was open fraudulently and the company is holding me responsible for the debt

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 2018-08-14 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: NJ

Complaint narrative:
I have an XXXX XXXX credit card that had a credit limit of XXXX. I make my payments on time and today I received a letter that they decreased my credit limit to XXXX, ( My balance is XXXX ) and XXXX to use. They have done this to me on another account I never used, it was a XXXX account with a {$250.00} limit. and a XXXX   XXXX card, that I paid off and hadn't used in a few months. The credit limit was XXXX and they lowered it to {$100.00}, again another ding. I never used the XXXX XXXX card and they lowered the limit to XXXX. So it had an impact on my credit report. This new XXXX XXXX decrease will also affect my report. They told me it had something to do with something in their contract that they can lower the limit at any time, based on my credit report. The report they are using is from XXXX. It's already XXXX and my credit score was less when I first received these cards years ago than it is now. However, 4 other cards that I never used, they closed them, and that did not ding my credit report. How do they get away with this? 

Why am I know getting penalized for patronizing a store and paying my bill on time? I spoke to a " Credit Supervisor of  XXXX. His name was XXXX ID # XXXX. I asked for the name of the Chairman of the Board but he refused to give me that information. What kills me is that they report it to the credit bureaus with absolutely no reason for the decrease. What are my options to alleviate this, I think I only have three XXXX  cards left the others issuing banks alert me if I haven't used a card they will close the account ; that is fair! I understand that and it's not a negative on my report. I can understand not giving me an increase but to decrease it, hurts my credit.

Company response to consumer: Closed with non-monetary relief