vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: DISCOVER BANK
State: CA

Complaint narrative:
To Whom it May Concern, We are almost exactly a year into a catastrophic pandemic where over 500,000 Americans have died of Covid-19. Maintaining financial stability and good credit are paramount to surviving a cruel and mismanaged federal response. So it was to my great surprise that Discover sent me an email on XX/XX/2021 that stated my {$8000.00} credit line was being canceled, and my account would be closed. 

" As a result of a recent review of the Discover it card account referenced above, we have reduced the credit line on your account and it will be closed within 30 days from the date of this letter.

This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) Serious delinquency Time since delinquency is too recent or unknown '' I contacted Discover on XX/XX/XXXX to contest the cancelation, in which they told me the decision could not be reversed. They followed up on XX/XX/2021 with a phone call from a supervisor who confirmed it would not be reversed. 

The " serious delinquency '' was a student loan that ( unbeknownst to me ) was not covered by the CARES act and went a few months unpaid. As I am unemployed ( due to the pandemic ) I resolved the issue with the student loan lender by deferring payment, but they refused to reverse the derogatory mark. This has created a cascading effect, where several of my credit lines have been attacked. XXXX XXXX attempted to reduce my XXXX credit line. Now Discover. What's next? 

The " inactivity '' was me trying to be frugal in an incredibly stressful period in AMERICAN HISTORY. I didn't use the card, because I feared getting into debt when there is limited income. 

This decision by Discover is unreasonable and needlessly destructive to my credit, in a time when uncertainty is incredibly high. To kick those who are down, who have played by rules, and are just trying to survive is borderline criminal. Something must be done. My credit score has plummeted 150 points overnight. These credit card companies must not be allowed to continue with their tone-deaf policies. And rhis must be happening to millions of other Americans. It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Edward F Bukaty III
State: TX

Complaint narrative:
On XXXX XXXX they law firm started taking money out my check for a charge off debt in XXXX. They claim a judgement was filled in XXXX in a state I was no longer living in and didnt receive no notice. Now in XXXX they said they order another judgement for the charge off & fees for the lawyer of {$7000.00} plus courts fees of XXXX pluses etc fees totaling up to almost XXXX but the car charge off amount is only {$4000.00}. The bank is saying they have nothing to do with the lawyer and the account was sold to the law firm Bukaty. I reached out to the law firm and explained they couldnt do this because it was passed the limit of time and this was almost 30 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never gave Equifax any written consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am receiving a collection request from Portfolio Recovery Associates. They claim I have a un paid balance of {$230.00}, from XXXX. I paid this balance of 6 years ago, I have not used this card since I unfortunately got rid of the paid bills just recently because I thought that you only had to keep these item for 5 years. 
I do not want to pay this again, and do not no what to do I am asking for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, my husband was retiring from the XXXX and I knew I would be the only one working. It was going to be difficult providing for our three kids. We decided to refinance our current mortgage loan with Planet Home Lending which we were VA residential on the loan. We contacted Planet Home Lending and immediately we were connected to XXXX XXXX who started our mortgage refinance application process and he made it seem it was a great decision and it would take at least three months. It also included not paying the mortgage for two months. On XX/XX/XXXX, I emailed Mr. XXXX to check on our application and he said it would take another month or two months. A month and a half passes by and we call and leave messages on his office and mobile number and he would not return our call. Instead, we finally received an e-sign document on our loan approval on XX/XX/XXXX which the preparation date on the document when prepared was XX/XX/XXXX. We sign the document and we gave it more time before contacting Mr. XXXX again. When we called his phone we would not get an answer and we would leave voice messages and he would never return our call. We were getting frustrated. I then emailed him and he emails back and cc 's a woman by the name of XXXX XXXX to advise and the email contained that the file was in " Encompass it is still processing ''. We never recieved an email with a response so we called Planet Home Lending and we were advised to contact Mr. XXXX once again but we explained the situaution to the person on the phone. We continue to call Mr. XXXX and XXXX again starting XXXX XXXX and no answer. We then applied for the forbearance to help our family during this process in XXXX. It is now XX/XX/XXXX and my husband called the mortgage company to speak to a manager and XXXX the manager hangs up in my husband 's face and never calls back. My husband calls Planet Home Lending back and he spoke to a representative to see if he could speak to someone above XXXX the manager and gets information to the issue. He stated he would get in contact with XXXX 's supervisor so he could advise her to call us and give us an update. I was just fed up with the words of promises but there were no actions behind it. We need help getting to the bottom of this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
An unauthorized purchase was made using my Pentagon Federal Credit ( PenFed ) Visa credit card with a post date of XX/XX/XXXX for {$820.00}. The merchant was XXXX XXXX in XXXX XXXX, CA. 

I reported the unauthorized transaction to PenFed on the same day. 

PenFed issued a security adjustment for the same amount two days later ( XX/XX/XXXX ) while they investigated. 

On XX/XX/XXXX, I noticed a reversal on my credit card statement. PenFed determined that I was responsible for this transaction. My wife and I have nothing to do with this transaction and have no idea who could have done it, so we have no responsibility. 

I made multiple calls to PenFed to no avail. My wife and I still had the physical cards in our possession. The transaction, I was told, was an in-person transaction. My wife and I live in XXXX XXXX and have not set foot in XXXX for 3 years. 

Please advise.

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 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I received a debt collection statement from " Radious Global Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX '' dated XX/XX/2021. 
They are stating in the statement that they intend to collect on behalf of Creditor " XXXX '' for an amount of {$420.00} I never have requested or opened a credit account from this company, XXXX, and it is a case of fraud. For this reason I have not paid any amount to Radius global solutions and am reporting this to your attention. 

I also sent a written notice today to Radius Global Solutions that I intend to dispute this 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 2021-02-22 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: FL

Complaint narrative:
The original creditor XXXX XXXX has account was found to be fraudulent and has been removed from XXXX so the debit collector that picked up that debit should be removed as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. All the companies have responded except XXXX XXXX XXXX. This account needs to be deleted from my credit report asap. It has been more than enough time for them to let me know what is going on and this is causing me great stress dealing with this and the storm that has me and my family without a place to live.

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 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020, I got a text from Citibank in regards to fraudulent suspicious activities on my checking card by text from XXXX XXXX. I immediately DECLINED all charges from XXXX XXXX within minutes of the charge since I did not authorize them by text. Additional to this, I personally called Citibank Fraud department where I confirmed to them that these charges were NOT from me, I declined all charges from XXXX XXXX, I CLOSED down my debit card and credit card for security purposes and ordered new cards. The next day, on XX/XX/2020, Citibank properly refunded them the charges. However, two months later, on XX/XX/2020, Citibank WRONGFULLY RECHARGED my debit card for the XXXX XXXX charges in the amount of {$470.00}. Since then, I have called Citibank almost 20 times during the past 8 months spending hours on the phone with them explaining over and over the situation again and so far, as of today, I still don't have my money back. The bigger fraud and thief here is Citibank holding my {$470.00}. I was in XXXX during lockdown for Covid in XX/XX/2020 and XXXX XXXX was not even open. If it was online order, it was NOT delivered to me. its every easy to prove that this is not from 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 2021-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have paid all of my escrow payments to my lender ( Lakeview Loan Services ) however, they missed paying my taxes that were due in XX/XX/XXXX and my home insurance due XX/XX/XXXX, I discovered they failed to make these payments even though they had more than enough to make these payments in my impound escrow account in early XX/XX/XXXX when my home insurance company contacted me the if I failed to pay they were going to drop my insurance and a day later when my lender sent me a letter that if I failed to pay the insurance they would purchase higher cost insurance. Mind you they were supposed to pay this payment in XX/XX/XXXX. 

I paid my insurance and contacted my lender early XX/XX/XXXX about both issues and was told they would fix and pay me back. Later XXXX I noticed they still have not paid either the taxes or return my insurance payment I contacted them again and spoke to a supervisor, yet nothing was done. At the end of XXXX I contacted their insurance section which they finally paid my insurance ( not to me, but to my insurance carrier ) on XX/XX/XXXX, and transferred me to to a supervisor to pay my taxes. They told me since I was thinking about refi the loan ( with their company ) that I had to send a request to remove the " Netted Payout '' hold even though I stopped the refi back in XX/XX/XXXX. I complied on that day XXXX XX/XX/XXXX ) however they still did not pay my taxes. Again I contacted them on XX/XX/XXXX and talked to another supervisor who said they would look into it XX/XX/XXXX saying they could not take anything out of escrow, yet they could take funds out of my escrow for the insurance. Does not make sense but that is what they said. 

As of today XX/XX/XXXX they still have not paid my taxes or the fines and late fees. My next tax payment is due in XX/XX/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 2021-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC
State: SC

Complaint narrative:
I received a phone call stating that a court order would be sent to charge me with a worthless check. I called to find out more and was told it was for a company named " Mobile Loans '' and the loan was taken out in XXXX. I told XXXX XXXX, the woman in charge of my account, that it was not my debt and she told me that I had to either make a settlement payment or go to court. I then asked her to send me validation of the debt as it was not mine. I then asked her what address she had on file and she gave me an address in a whole different city. The call was then disconnected. I then called back and was told that they did not have the ability to stop the court proceedings unless I paid. I asked to speak to a XXXX and that is when the " Legal Department '' came to the phone. This women was XXXX XXXX XXXX Once I told her the situation she told me to " have fun being XXXX again and enjoy court ''.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I set up automatic bank payments through my bank, and paid two weeks early for the XXXX payment. Rather than credit the month of XXXX, the credit card company credited both payments to XXXX, then called me and said I was late making the XXXX payment. They refused to credit the {$180.00} ( which is well over the minimum amount due ) and said I would need to send them another whole payment for XXXX. I was upset, to put it mildly. The long and the short of it, rather than credit my payment for XXXX, I had to ask them to refund the payment to me and now I will have to send them another payment ( ridiculous ) and have my account show a late payment. They did not tell me that if I paid early my payment would only be credited in the month paid. I want this company censured for their lack of financial astuteness and failure to be consumer friendly. 
This is Comenity Bank credit card XXXX XXXX, Texas Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 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: TX

Complaint narrative:
I am trying to get my reports together and I have reached out and have not heard back. Please assist.

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 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank - they call no less than 5x a day, have contacted my husband several times, my sister-in-law, my mother-in-law, etc. I have asked them several times to quit calling other people to contact me, I've also sent documentation showing the account as paid and the debt not owed. PLEASE HELP ME MAKE IT STOP! They are ruining my relationships and my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX is knowingly and willfully reporting inaccurate information to the Credit Bureaus out of retaliation with the sole purpose of causing me harm. 

On XX/XX/XXXX, XXXX XXXX accurately reported my credit card balance as {$84.00} with a perfect payment history. I have always paid timely. I filed a complaint against XXXX XXXX with the CFPB on XX/XX/XXXX complaint # XXXX ( Also attached copy ). XXXX XXXX reports on the 3rd of each month and have been doing so since I opened an account with them in XXXX. However, and for no other reason than to retaliate by sabotaging my credit causing as much harm as they could, on XX/XX/XXXX XXXX XXXX furnished to all three credit Bureaus that my account was 180 days late. Yes, you are reading correctly and I have attached my credit reports as PROOF. How do I go from paying timely each month including XX/XX/XXXX to 180 days late in XX/XX/XXXX? IMPOSSIBLE! This is CRIMINAL and anyone responsible must be charged criminally including the CEO XXXX XXXX, I have sent him direct emails, he is personally aware of my case, he knows I have them busted for lying and numerous other FCRA violations, employees do not take this type of action without his approval. As a result, I was again denied credit to buy a car as a direct result. 
Whatever reason XXXX XXXX attempts to mislead authorities will be a lie. XXXX XXXX never updates credit reports by re-furnishing information mid-cycle unless it is in direct response to a dispute. However, As of XX/XX/XXXX XXXX XXXX themselves have said the prior dispute I have is still ongoing and this is not the f

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX is knowingly and willfully reporting inaccurate information to the Credit Bureaus out of retaliation with the sole purpose of causing me harm. 

On XX/XX/XXXX, XXXX XXXX accurately reported my credit card balance as {$84.00} with a perfect payment history. I have always paid timely. I filed a complaint against XXXX XXXX with the CFPB on XX/XX/XXXX complaint # XXXX ( Also attached copy ). XXXX XXXX reports on the 3rd of each month and have been doing so since I opened an account with them in XXXX. However, and for no other reason than to retaliate by sabotaging my credit causing as much harm as they could, on XX/XX/XXXX XXXX XXXX furnished to all three credit Bureaus that my account was 180 days late. Yes, you are reading correctly and I have attached my credit reports as PROOF. How do I go from paying timely each month including XX/XX/XXXX to 180 days late in XX/XX/XXXX? IMPOSSIBLE! This is CRIMINAL and anyone responsible must be charged criminally including the CEO XXXX XXXX, I have sent him direct emails, he is personally aware of my case, he knows I have them busted for lying and numerous other FCRA violations, employees do not take this type of action without his approval. As a result, I was again denied credit to buy a car as a direct result. 
Whatever reason XXXX XXXX attempts to mislead authorities will be a lie. XXXX XXXX never updates credit reports by re-furnishing information mid-cycle unless it is in direct response to a dispute. However, As of XX/XX/XXXX XXXX XXXX themselves have said the prior dispute I have is still ongoing and this is not the f

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: NCSPLUS INCORPORATED
State: NY

Complaint narrative:
There is a collection reporting on my credit report as a derogatory account after I have paid this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
The company keeps sending me letters about lack of master policy insurance ( the property is a condominium ) and threats to purchase insurance with my funds without trying to obtain it from my HOA. Latest letter is attached.

Company response to consumer: Closed with explanation