vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Not sure that the options selected really fit this scenario but they were the best fit based on what was available. I have a Southwest Airlines rewards card with Chase. The card was opened a few years ago with a {$9000.00} limit. In the previous year I did maintain a balance near that limit. In recent weeks I have been paying off credit card balances including this one. I paid it down to XXXX in one lump payment. There has not been a major change in my credit score or report. No defaults, no slow pays, etc. I believed that I was doing the right thing by paying balances down. I am actually on track to clear all credit card debt in the next 4 weeks. I have made some purchased on this card since returning to s XXXX balance but using a new practice of paying those off every 30 days. Chase reduced my limit this morning by more than 50 %. I know that this is their right, but this was done without repayment being an issue ( no slow pays on this account ) that can be verified on my credit report ) and I would argue evidence of lower risk since I just paid the entire card off. My real complaint here is that has a negative impact on my credit. As I am paying cards down and off and reducing % of credit used this move by Chase has negatively impacted that and I know that I will see my score decrease a bit in coming days by no action of my own. They also did this recently to my wife. We have not experienced this with any other creditor. I could see this action if there had been negative activity on the account or a significant change in credit score. This appears to be penalizing me for reducing my balance, therefore reducing the interest that I am paying. I just wanted to raise this question because this feels like a practice that hurts the consumer. That being said, I know that I do have the option of closing that account and taking business elsewhere. But that also has an impact and I am not unhappy with the most of what this account provides. This practice is just negative in my view because I am being penalized for doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I deposited {$1000.00} from my XXXX XXXX acct. to Coinbase to purchase coins ( deposit ref # XXXX ) I really wasnt in a rush to purchase any coins but wanted the money to be readily available when I did get ready. I also honestly trusted Coinbase to be a trustworthy company, not to mention the money was in fact debit out my acct. so I just knew it was in my Coinbase acct. a couple weeks went by and I wanted to buy into a coin, I log into my Coinbase acct. and to my surprise my balance is {$0.00}. I immediately start to look through my Coinbase acct. to see what happen to my money. I noticed that the same day I added {$1000.00} the acct. Coinbase said that I withdrew the {$1000.00} back into my bank acct, I knew that was a lie because I actually went to bed an forgot about the deposit. I also wasnt mad at that point because, I thought the money would just be back in my bank acct., it would be easy to track and maybe it was some kind of error with me depositing the money to Coinbase an THEY reversed the payment. So I immediately call my bank, they inform me that they see when I made the deposit to Coinbase ( {$1000.00} ) but have NO records of the money being put back into my acct. by Coinbase ... SO WHERE IS THE MONEY, IS IT FLOATING IN THE AIR? I reached out to Coinbase to file a complaint ( # XXXX & # XXXX ) long story short they did reach back out to me after weeks and closed my case UNRESOLVED!!! I deposited money & my BANK VERIFIED that, I DID NOT BUY ANY COINS, BANK HAS NO RECORD OF MONEY BEING PUT BACK INTO MY ACCT. & Coinbase is {$0.00} this is ridiculous the amount of complaints Coinbase has for stealing not just my {$1000.00} but hundreds of thousands of dollars from people an the government has not shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
I received a credit alert that stated I have a account in collections from Williams and fudge company. I received no notification from this company or the college they are listing on my credit report. I have not received a bill, debt letter, notification of an account being sold to a debt collector anything. I had federal student aid which covered my courses while attending courses so I was not obligated to pay any out of pocket fees. I have not signed any contracts acknowledging this debit or taken responsibility because my first time even knowing about it was when it was posted to my credit file causing my score to drop. The debit collector and XXXX XXXX college has failed to provide me any proof or knowledge of this so called debit, they have failed to contact me by phone, email or us mail with any claims that I owe a debit. This debit was not verified and there is no contract with my signature. Under the FDCPA law I am requesting proof and some form of contractual obligation that is binding me to pay you this debit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX XXXX Amerisave Mortgage Corporation inappropriately did a soft hit on my credit. I inquired about rates on their website without sharing my SSN. They sent me my credit scores stating they did a soft hit on my credit. I did not give authorization to check my credit. I called XXXX XXXX tel XXXX who sent me rates on my email after I inquired about rates on their website and he said that with my name and dob it is possible for Amerisave to do a soft hit on my credit. I want appropriate action taken against this organization and the soft hit reversed. They also kept calling me from 25 to 30 different phone numbers after that at night time and any time of the day. Every time I put a block they would call me from a different number. This organization is engaged in inappropriate behavior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management can not validate these debts, which I have requested three times. 

Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I owed approx XXXX $ to synchrony financial through paypal. They sent this debt to collections after being 8 days late and did not send me any notification that this would be sent to collections. I confirmed via phone call on XXXX that no actual notice was provided. I tried to pay three time on XXXX in full, but their system still has not processed. 

This was an unfair practice on a high interest consumer account. I was floored when it was sent to collections without a notice.

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 2021-04-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 52 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I recently pulled my credit report and noticed a credit card debt under my account that didn't belong to me. I noticed all three credit reporting agencies. I then contacted the creditor SYNCB / XXXX via certified mail ( XXXX ) and asked for proof that this account belonged to me, I never recieved a response. I contacted them again XXXX and requested validation of debt. As of today, I have not heard form this company and the debt remains on my credit report. I have also, placed a identity theft alert in my name with the Fed Trade Commission. 

This Account was opened in XXXX of XXXX at a residence I lived in over 30 yrs ago Account # XXXX XXXX XXXX XXXX Paypal Credit XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2021-04-21 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Collections account ( Midland Funding ) appears on my credit report for an account showing opened in XX/XX/2016 ; an account I didn't open. Disputed with Experian, only response back from Midland is " Meets Requirement '' with no information provided. I believe this to be a fraudulent attempt to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Fast Track Servicing
State: OH

Complaint narrative:
I was contacted by Fast Track Servicing XX/XX/XXXX and they said they could help me enroll in a Public Service Repayment plan. They promised to reduce my payments to $ XXXXmonth and that I would have 120 payments and my complete student loan would be paid off. From XX/XX/XXXX to XX/XX/XXXX they withdrew payments from my account totaling over {$1000.00}. They must have had some tether with my actual Federal Loan -- because I apparently did not miss a payment ( or their application put me in forbearance? ), but I'm not getting letters from XXXX XXXX that I'm finally enrolled in the PS repayment plan -- and that none of these payments made ( to Fast Track ) went towards my principal. They have no record. So, embarrassingly I was duped -- and have spent over a year paying towards my loan ( but not actually paying anything down and not in the program yet ). The numbers they have provided are no longer working and no one is available when I email. 

Fast Track Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX http : //fasttrackservicing.com ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC
State: PA

Complaint narrative:
This company repeatedly harasses me via text, email, phone calls. 

They demand me for bank statements, income proof, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
5/3 bank is putting unjust holds on my account claiming that by using the ATM I could be committing fraud. They are putting unjust amounts of time on holds for local banks causing the account to overdraft and not allowing access to funds in a business account that is used to by product for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I've banked with USAA for over 10 years. After an attempt to bank with XXXX  XXXX XXXX, I changed my mind because of poor customer service. I should have a total of over 35k in my account ; I should be able to access that account since over $ 25k of that amount was already in my USAA account. As of yesterday XX/XX/20, I had no warning call, no email, no text and my card was declined. I am since that time also unable to access my accounts online. When I call in, the prompt tells me to call back : tomorrow, during business hours XXXX which I'm calling within ). I finally get a live Rep and they tell me that the prompt on their screen insists they read to me the following : " I'll be transferring you to a specialist ... '' and when the live Rep transfers me, the line disconnects or tells me to call back tomorrow. I have started recording these calls as I'm at a loss for what is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: MIDFIRST BANK
State: NC

Complaint narrative:
In XX/XX/XXXX, I was having trouble getting refinancing on our current home mortgage with Midland Mortgage. I spoke with several lenders and they said our payments were showing late for many months. I pulled our free credit report and sure enough they are showing I was late for so many months. I pay our mortgage 2x a month breaking out the payments based on our pay periods. I have been doing this for a couple years now as jobs have changed. In XXXX we filed for a hardship program and we were awarded this program. They told us that we wouldn't be reported to the credit bureaus if we complied with all guidelines. Which we did. It is still showing on our credit report that we are 120 days late which isn't true due to the program we followed, this raised our interest rate and pushed the loan out 3 months longer. 

XX/XX/XXXX when Covid hit NC I was furloughed and had to go on unemployment. Took a few weeks to get that up and running, in the meantime my husband was working so it took a little longer to pay the mortgage so yes we were a little late on that one.

We didn't file a Covid 19 hardship issue as that wasn't the case for us we were able to stay on track. The mortgage is always paid with in the month and if after the XXXX the late fees are paid as well and we were putting an extra XXXX down on principal. 

On XXXX XXXX I sent them a letter after I spoke with them and they told me either to write or fax why we need this corrected on our credit report. 2 weeks later we get a response saying they report according to the fair credit reporting act. ( Thats XXXX ) I looked at all 3 agencies, and Transunion doesn't even show anything but 2 mos of XXXX, Experian shows many late payments past 30 days, XXXX has missing months. They don't report correctly at all and not fair. I pulled my bank info as I send the payments the day of payday they are wired to them via the bank and there isn't a missing payment in each month. When I pulled their payment statements, it doesn't match mine and all I see is applied to ie : XX/XX/XXXX? I want this corrected. We are in the process of selling our house and need to purchase a new one. This company are crooks, I didn't ask for them they took over our original mortgage when we purchased this in XXXX. They don't respond when you call, all you get is send letters.. They don't communicate and they are rude..

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 2021-04-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation