vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
Capital Accounts , LLC in XXXX TN I contacted them twice in XX/XX/2020 and in XX/XX/2020 about a medical debt from XXXX XXXX. I spoke with two different agents gave them my information and they both verified that It is not a debt account with them in my name for {$390.00}. I have disputed this with XXXX  and XXXX  3 times. I need to get this removed off my credit report especially when it was verified by the collection agency no account showing in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Was told they were allowed to run my credit to sell my closed written off 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 2020-08-06 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: CL Holdings LLC
State: SC

Complaint narrative:
Was told they were allowed to run my credit to sell my closed written off debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 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: TX

Complaint narrative:
Experian is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX/XXXX  XXXX which occurred in XX/XX/2020, XXXX/XXXX  XX/XX/2020, and XXXX  XX/XX/2020. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Experian, and results have came back in the decision not to remove an inquiry with no proof provided.

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 2020-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
As a XXXX XXXX XXXX that gets paid twice a month, I began paying my mortgage through bill pay from XXXX XXXX in the amount of {$920.00} in XXXX of 2019. Around XXXX of 2019 my mortgage company called about my payments. They said I missed a payment I explained that I had automatic payments set up so that couldnt be. At the time they informed me that my mortgage payment had increased by {$100.00}, which I never received any notice of. I was also informed that several of my half payments were misapplied. However, I was told that they would reverse it. In XXXX of 2019 I increased one of my half payments to cover the {$100.00} increase from XXXX and then changed my automatic payments to reflect {$950.00} on the XXXX and XXXX of the month. From XXXX to about XXXX I continued to receive calls from my mortgage company saying my account was delinquent. Just about each time I spoke with someone they said a payment was misapplied, finally in XXXX they escslated it. I continued to be in constant contact with the company explaining that I never missed a payment. Finally in XXXX the escalation company called and said they didnt find any errors and that I needed to supply proof. I submitted a digital message on their site with my bank statements showing the payments as well as their statements showing where the payment was misapplied. They have since refused to adjust my account even after supplying the proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Im a victim of XXXX  multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.

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 2020-08-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Im a victim of XXXX multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Im a victim of XXXX  multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.

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 2020-08-06 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: TX

Complaint narrative:
Transunion is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX XXXX which occurred on XXXX. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Transunion, and results have came back in the decision not to remove an inquiry with no proof provided.

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 2020-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit limit was decreased for what they claim is insufficient usage. It went from {$10000.00} to {$5000.00} over night. I have ALWAYS been current, never delinquent and always managed and used my credit cards responsibly. I only charge no more than 33 %. 

I am being penalized for using my credit responsibly. I called and asked them to increase it back to what i had earned and they refused. There is no reason to reduce my credit limit except for punishment for not using their card more. I am a good consumer, pay my bills on time and am never never late. I have been with Capital One for 10+ years and this is the customer service they give to a loyal paying client? My FICA score is 800+ there is no reason for this.

This action will now hurt my credit score because it will show an overall higher DTI ratio and that a creditor reduced their available credit to me. Their actions will lower my credit score for no fault of my own. It is not right, not fair and should not be allowed since i have used their services responsibly and never violated the terms of the agreement. 

I kindly ask they they reverse their decrease since it was for no legal or financial reason and put my limit back to where it was at. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I learned today, XX/XX/XXXX, from a credit alert email, that my medical CareCredit account with Synchrony Bank has been closed. When I called customer service ( Twice ), all they can tell me is that my account was closed on XX/XX/XXXX and I will be receiving a letter in 7-10 days explaining why. That's all. No explanation, no nothing. I've had this account since XXXX and my account has been in good standing. My last payment to bring my account to a {$0.00} balance was XX/XX/XXXX. There is no reason whatsoever that this account should have been closed. But they are quick to suggest that I can reapply for credit, again, which will reflect negatively on my credit report. Makes me wonder if they don't get some sort of bonus/kickback for the amount of new accounts they open. Plus, I have a dr 's appointment in a couple weeks and I will need to use this, but now that won't be possible. Something just doesn't seem right. And Customer Service isn't much of a service.

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 2020-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I have been locked out / denied access to my loan information for over 3 months. I can get on the web-page but the " Menu '' Bar has been deactivated. I can not click on the Account to see how my payment was applied, verify Homeowners Insurance has been paid, verify if County Tax has been paid, nor can I access " Account Services ''. 
I have emailed the mortgage Company many times about this and no resolution has been reached. I have called and still no correction has been made to the web site. 
Thank you - XXXX XXXX Loan # XXXX Lakeview Loan Servicing

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 2020-08-06 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: TX

Complaint narrative:
I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF

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 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My Tezos suddenly disappeared from my account on Coinbase and their customer service is atrocious. I have tried multiple times to get in touch with them but to no avail. This is not ok and I have no insight as to what happened here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
On XX/XX/2020 my bank, XXXX XXXX, sent a check for {$16000.00} to pay down our HELOC balance close to XXXX. Specialized Loan Servicing sat on the check, then returned it to me on XX/XX/XXXX, thinking that it was a loan payoff for a traditional mortgage. Two customer service representatives acknowledged the company 's mistake and agreed to a credit of {$150.00} in interest that I should not have paid due to the delay. 
I have spoken to customer service five times over the last six weeks ( several hours on the phone in total ) and each time they promise to refer my case to a supervisor and call me back. No one has every called me back, and the issue is still unresolved. On XX/XX/XXXX, the customer service representative told me that the HELOC department does not have a supervisor, so there isn't anyone to review the credit request. 
Please help.

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 2020-08-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
I spoke in XXXX of 2020 with Sunrise Credit Services about this debt. I said this debt should never have been charged to me as it was a mistake from the university. They told me to talk to XXXX and that XXXX university would then in turn talk to them to cancel the debt. They told me to wait a month. So I spoke with XXXX University who said they would speak with Sunrise Credit to drop my debt. The amount has increased since it went on my credit report and it also shows as late payments instead of just a collections. 

I was withdrawn from XXXX University and they registered me anyway. Then charged me for the classes I missed that I didn't even know I was registered for. If you look at my very extensive history of schooling - XXXX XXXX ( I have used school loans to pay for my education ). I have never, ever not told a university if I was no longer going to be a student. I have attended several other universities and have never had this happen to me. In fact, I use school loans to pay when I attend online and in-person universities. When I went to XXXX they did this two me where they registered me for a class and I had to call and tell them I didn't want it. It was like an automatic registration. Normally, you have to physically register for a class. 

XXXX said I owe them {$3000.00} for a semester that I did not even register for. I was not at the school during that time. Then Sunrise Credit appears to have changed the amount owed to {$3600.00}. When I spoke with XXXX to get this dropped they said that the collection agency added the extra {$610.00}. Which I thought was illegal. So when I spoke again with Sunrise they said they didn't add that extra that was what XXXX reported. Then they both promised that they would work this out and drop this false charge. It is not XXXX and I disputed it again on my credit report, but nothing has changed. 

I am worried that XXXX University is trying to get money from students by registering them for classes even though they stopped attending. I need to access my XXXX email to show proof that I contacted my advisor telling her that I would not be returning to the program. I never intended to return to XXXX, yet they still charged me.

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 2020-08-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020 I made a deposit for {$46000.00} via atm teller at BMO harris bank. I was advised and given a 7 day hold notice because of the large amount when on average banks take 3 days to verify checked with secured funds. Today is day 7 and I still don't have my funds. On XX/XX/XXXX I spoke with the banks customer service and was told my funds would be available XX/XX/XXXX. I was also told that my check was held at the discretion of the manager not the banks policy and also the notice says written in large deposit. When did it become suspicious for a XXXX to deposit a check. My dad owned a business and had life insurance.

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was charged an annual fee on XX/XX/20. I have not used the card and planned to cancel it. I noticed the fee after the monthly payment was auto-debited from my account. On XX/XX/20, I reached out to them via their online portal as recommended by their phone system. I was responded to and was told I needed to call. Due to Covid-19, things have been very busy and I didn't call them until XX/XX/20. I was told that there is nothing they can do as you only have 60 days to request the fee to be waived. I told them I was in contact with customer service about the fee before the 60 days and was not told I needed to call support before 60 days. They would not do anything about the fee even though I have not been using the card. I think that is fraudulent. You can't dispute the charge on their website like you can any other charge. They are giving themselves preferential treatment to disputes and defrauding their customers because they can.

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 2020-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX - Spoke to Capital One Customer Service concerning my request for a credit line increase. My account has been open since XX/XX/XXXX. Since opening my credit card limit I received XXXX automatic credit line increase. My limit is {$1100.00}. My current balance is {$820.00}. Since XX/XX/XXXX I became XXXX  and working with the credit bureaus to increase my credit XXXX score to qualify to purchase a home. I have made Qualifying ( above minimum ) payments for over 12 months. Recently as of XX/XX/XXXX I requested a credit line increase. On XX/XX/XXXX I have been declined for an increase. I have communicated with Capital one XX/XX/XXXX concerning the decline in credit line increase with representatives of Capital One and 2-Sr. Supervisors. The last Sr.  Supervisor I spoke to was XXXX. My account with Capital One was satisfactorily documented. Capital One has stated in writing and verbally in that there is no criteria for anyone specific to deciding on qualifying for a credit line increase. However, I have qualified in general and have met the general criteria for an increase and I have been refused without specificity or guideline on what is necessary to receive a credit line increase. Capital One states in writing ( on the FAQ ) and verbally, " GENERALLY, IF YOU MAKE MORE THAN YOUR MINIMUM MONTHLY PAYMENT ON TIME FOR THREE MONTHS YOU CAN REAPPLY FOR A CREDIT LINE INCREASE. '' I have me this criteria prior and currently and have been declined without justification. I believe this is discriminatory. Capital One states the guideline for credit line increase is the same for All. XXXX was not able to answer to where I come short for a credit increase because they do not have a guideline or number figures to go by in determining an increase for anyone in specificity wherefore, it is only determined by a system and not performed by a human. I believe strongly I qualify for an increase whether requested before XX/XX/XXXX or if I request after XX/XX/XXXX. My Complaint is Capital One has denied me erroneously and discriminated me from an increase in credit line. I kindly request a review of said complaint with a response and answer as to why my account does not deserve a rightful increase in limit based on making qualifying timely ( above minimum ) payments for over 6 mo to 1 year and have reduced my balance as written in the FAQ written documentation. I have attached as Follows and in no specific Order : Credit line increase denial, Payment Activity to date, Statements from XXXX to XXXX reflecting credit lines of {$500.00}, {$600.00} and {$1100.00} over the span of 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
Received a call when I answered the call was disconnected. Called back the recording indicated a balance of {$310.00} was due and provided ways to make payment. I prompted for a representative of whom refused to say who the call was for and that I will need to I.D my name. I advised I received a call and according to the FDCPA they are required to say who the call was for as they initiated contact by calling my phone. The unknown representative refused information and hung up. I called a second time and spoke with XXXX XXXX, requested to know who they are calling for and repeated the same with the previous representative ( she hung up as well ). The third call was immediately terminated without a representative acknowledging the call had been answered. 
SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone XXXX https : //www.sequium.com/

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation