vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX withdrawals were made from my checking account without authorization first XX/XX/2019 {$1900.00} 2nd XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX these three I I have received credit back into my account 4th XX/XX/2019 was {$1000.00} I have not received and XXXX XXXX from Fifth Third Bank will not return my call all of these transactions came from a company called XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I signed for my daughter to have XXXX  work. Comenity Capital Bank provided a credit card with the amount owed. My daughter defaulted after accumulating {$450.00} in late fees and {$670.00} in " promo charges '' and {$1400.00} in finance charges in XXXX years. 
When I contacted Comenity Capital Bank by phone on XX/XX/2020 an employee named XXXX ( employee id # XXXX ) agreed to accept {$3400.00} to close the account ; however, the company will not give me any proof of acceptance before I pay that amount. 
I have been advised that I shouldn't pay anything until I get some sort of documentation that it will be accepted as final payment, but Comenity refuses and continues to add additional charges. I sent them letters in XXXX and XXXX outlining what is stated above, but to no avail. They say its " Not company policy '' to give me any proof before I pay the agreed amount. 
I'm XXXX years old and did not know until XXXX XXXX months ago that Comenity was charging my daughter 28 % interest plus " promo fees '' plus finance charges plus XXXX late fees in 24 months. I am still willing to withdraw the {$3400.00} from my savings if I can get confirmation that it will be accepted as final payment and close the account. 
Thank you for whatever help that you may give me in this matter. 
Sincerely yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to request your help. I tried to sole this issue with Bank of America in the past but I couldnt get any help. All I am asking is fairness. This creditor must do what Is fair in my case. I was a victim of fraud back on XX/XX/XXXX and I have proof of that ( please see documents attached ). Ive been trying to fix the big issue that this terrible experience has caused. I had no late payments on either of my credit cards before this happened. 

Bank of America was not the only company that I had issues with. I was the victim of business fraud for my XXXX XXXX account as well in XXXX of XXXX. I opened a small XXXX XXXX XXXX and in the process of purchasing equipment I was victim of fraud. Even the police department was involved. I have done everything in my power to get the negative payment history removed. 

It took me about XXXX XXXX years to recover to the point of being able to pay my rent each month. In that time period, my Bank of America account became delinquent as I was not aware that this was happening. A look into my credit history shows the time frame of late payments ( a string of XXXX late payments ) and the good payments leading up to this time. As soon as I was able, I paid both cards down legally. However, my credit was tanked! 

Now, I am finding it difficult to get my score where I need it to be in order to move forward. I have already suffered more than 2 years due to this unfortunate event. I began writing my own letters and making my own phone calls. I am still getting nowhere. It actually looks like they did not even investigate the account! According to the three major credit bureaus, the account has not even marked as disputed. These are big violations under the FCRA. 

I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair. Bank of America must remove the following item of my credit report and provide me a deletion letter for my records. This account is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA : BOA XXXX # XXXX. Opened XX/XX/XXXX. Limit {$3000.00}. Status : Closed. Balance {$0.00}. 

This is the last step that I am taking before taking this issue to the next level. If Bank of America denies a deletion letter and the removal of the mentioned account, I will file suit and I am sure that once I talk to my attorneys, the list of violations will go up. This is causing me financial and mental issues. 

Thanks to whomever reads this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: UT

Complaint narrative:
I ask over 30 days for Exeter Auto Finacial to send us out invoice on our auto loan.We have not got invoice for over 1yr.And furthermore in State of Utah its against the law to HARASS Family Memebers, as Exeter has been doing.Family members i never gave any of there phone numbers to Exeter when we got the loan in XXXX XXXX in XXXX XXXX , S.C. XX/XX/2018.They Harass Nephews, Brother, and my Son and family members.Exeter never leaves message account number, futhermore Jerks Never will i send them payment anymore.They want the Car go get it, iam taking this up with President of USA, that CFPB.com / FTC.org is  allowing this company Harass, iask ask many times to get invoice nothing.Same on XXXX XXXX XXXX we never got invoice for almost 2yrs.Iam damn tired paying on something no invoice.Law states we suppose get monthly receipt for paying.And iam not going put up with harassment i will try fine us attorney to sue.I/we paid over an over $ 500.amonth and our payment is {$450.00}. we never can login our account, so paying $ XXXX.over evey month can go to principal.But my wife has XXXX XXXX XXXX XXXX XXXX and all this XXXX/XXXX is making her more up-set, you quit harassing Family members, if her XXXX XXXX XXXX  you are lieable for her death.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
around XXXX of XXXX i purchased a XXXX XXXX XXXX XXXX at XXXX  XXXX in XXXX. They had me approved with Santander Consumer USA. I didn't have great credit then and still don't today. The problem lies I didn't realize how the loan was going to work when i signed. I learned later that this was going to be i guess an interest first type loan. ( Sub-prime ) I started with the Total loan amount was {$17000.00}. There have been times i have fallen behind and struggled to pay. its only recently i begun to investigate this company and have learned that there have been a lot of practices like this from their company. As of XXXX of XXXX I have now paid of {$28000.00} and still have a balance of {$5700.00} Remaining on the loan. The car is no longer XXXX worthy and i'm having to drive a family members car right now. This loan is causing so many problems because it feels that it will never be paid off. I feel this company took advantage of me with their predatory lending practices and loan terms That i truly didn't fully understand at the time of purchase. I'm Not sure what the CFPB can do here but i do know that have been enforcement actions in other states. I am beyond frustrated that i have paid in so much and still have a debt that remains. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
The fore more mentioned credit collection agency representing XXXX COLLECTIONS has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX   and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt. '' If WAYPOINT GROUP does not have any documentation, they need to retract this from my credit profile immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX  : 20 various accounts US Dept of Education- XXXX : XXXX Opp Loans : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : XXXX  # # # # # # 50 Hard Inquiries XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX  XXXX, WA, 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 2020-02-18 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: CA

Complaint narrative:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX : 20 various accounts US Dept of Education- XXXX : XXXX Opp Loans : XXXX XXXX XXXX XXXX : XXXX XXXX/XXXX & XXXX : XXXX XXXX XXXX COLLECTIONS : XXXX # # # # # # 50 Hard Inquiries XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Specialty Clothing Store   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX  XXXX, WA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I have multiple 0 % balance transfer offers on this card. 
I have paid regularly over the last 12+ months.

I requested that amounts over the minimum payment be applied to the first incurred debt.

The first incurred debt was where payments have first been applied over the course of the promotional period. 

For the XX/XX/2020 payment, the last month of the first incurred promotional period, I paid the remaining balance of the first incurred debt. Barclays applied a partial payment to the promotional balance that was ending and XXXX, and the rest to the promotional balance that ends in XX/XX/2020. 

This is unfair enrichment, deceptive business practice, and downright unethical. I request and adjustment, and Barclay claims their policy is to apply payments at their discretion. There is already case-law on this topic from over a decade ago. I'm requesting intimidate reversal of the payment, to then be applied as was directed in my previous communication with their customer support team. 

I am also seeking a discretionary credit to the outstanding balance for the time I'm spending disputing their unfair practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Hello, I would like help with my Barclays credit card XXXX account. A few weeks ago without any kind of notice my credit limit was lowered {$11000.00} to {$7500.00}! I use this credit card for everything because of the rewards to my son 's XXXX plan. This action is not fair to a good customer for over 15 years. 

I have NEVER paid late and I pay the entire balance every month. I received a letter stating that I had too much unsecured debt and that is why it was lowered. I have had debt for several years and slowly paying down each month so that explanation makes no sense to me. When I called for help I was connected to XXXX who did not listen to me and kept judging me about my debt. This decision by XXXX also lowered my credit score XXXX points. 

I am requesting my credit limit to be at least $ XXXX and also a better explanation for unfairly making this extreme reduction. 

Thank you, 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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a complaint against Equifax. Because my personal information was stolen and I was notified that someone tried to apply for a credit card with that information, it was neccesary to freeze my Equifax account. After submitting personal information on their website, I was then denied on-line access to my account until a verification code was sent in the mail. 

After 10 days, I finally received a verification code. I entered it on the Equifax website and then was directed to enter my password. I entered my password then was prompted that I could not access my account until I changed my password. I changed my password then was prompted that I could not access my account at that time and to callk XXXX. I called that number. I was asked to type in my full social security number and other personal informtion, After 10 minutes I was routed to a customer representative at a call center in the XXXX. They said they woild freeze my account. I asked them for access to the Equifax website so that I could check if it was frozen as verification. They said they would send a verification letter in XXXX to XXXX business days. 
So first of all, how is my account that I do not even have access to protected from over-seas hackers in the XXXX, etc. And, if they are indeed freezing my account, How do I unfreezed it of check if someone else asked for it to be unlocked if I can not check the status. 
If Equifax is so disfunctional, how is it they are allowed control of our personal information. How is it that a call center ib the XXXX has more control over the use of my personal information than I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was rejected for an American Express XXXX card. As a consumer with an 800+ FICO score and no delinquencies, I found the rejection curious and wished to drill down more on the particulars of the original automated rejection which took only about 10 seconds online. I called the number listed ( days later upon receiving the snail mail letter and downloading my XXXX  credit report as suggested in the letter ). 

The XXXX call center, rather than having greater access to detail regarding the rejection, actually had less. They could not even see the text of the rejection letter. If, for example, the Amex computer tells me I " have too many new bank card accounts '' and I review the Experian report and see very few under my name and SS #, the natural next question is how many is too many, and over what period of time does Amex define " new ''. I spoke to 2 persons in XXXX : XXXX, ID XXXX, and her supervisor, XXXX, ID XXXX. 

I then escalated to the Executive Customer Care office. XXXX XXXX, an Executive Assistant in  that office said she would research the matter. While she did follow-up, she failed to to provide even the most rudimentary information. She did state " too many new bank card accounts '' means XXXX or more, though she could not ( or would not ) tell me the time frame Amex regards as a " new '' account. As we reviewed the Experian credit report Amex computers relied on to issue the rejection, we could see very few ( no where near XXXX ) were opened in the most recent year or two, a time frame a reasonable person might regard as " new ''. 

As a result, I found her cavalier dismissal of my concerns completely inadequate and would like reconsideration of this decision. She said the call was recorded by American Express and I have no objection to the release of that conversation for CFBP review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: WA

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and XXXX, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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