vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: AA

Complaint narrative:
National credit adjuster bought the loan. They didnt check the status of the loan and listed it on my credit report as a collections which forced my credit score to go down causing me unnecessary stress and anxiety trying to fix the issue. This debt was discharged in a BK XXXX 2 years ago. XXXX  still has t adjusted my credit score .. no company should be allowed to place anything negative on your credit file before verifying all details and facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I made a purchase of {$2800.00} on XXXX that was listed on XXXX as 24 months no interest if paid with Paypal credit. I would not have purchased this item at that price on less favorable terms. I have attached a printout of the screenshot from the checkout. Notice the payment terms are {$110.00} for 24 months, and total payments {$2800.00}. 

Paypal credit equal payment items were all at terms of no interest in the period of XXXX to XXXX. I have provided documentation of this. I was mistakenly charged interest of {$10.00} in XXXX, {$13.00} in XXXX, and {$13.00} in XXXX. I have provided statements documenting this. 

I've talked to Paypal credit CSR twice about having this keyed in their system correctly, and when I last spoke to them in XXXX they told me this item was keyed as 24 months no interest. This was never done. On XXXX I mailed a letter certified mail to the Paypal credit address where disputes are to be mailed. They did receive the letter. As of the statement dated XXXX I did not receive any attention to, or resolution of this issue.

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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is claiming that I owe them {$630.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NV

Complaint narrative:
I was getting my unemployment ( pua ) direct deposited onto my NetSpend card, everything was going good until about a month after I was receiving my funds NetSpend locked my account, I called to get it figured out they said I have to submit 3 forms of identification to unlock the account, so I did just that, then a day later on XX/XX/XXXX they said they could not verify my identity, n that they are going to close my account and send the remaining balance to me in a check, which was {$6100.00}. They said it will take 7 to 10 business days until I receive it, so I said okay, waited 15 days and called them AGAIN, AND THEY tell me that the check was already sent back to the depositer, which is the state of Nevada, I call the state of Nevada and they tell me they have not received any check from NetSpend .. and i call the state of Nevada literally every 2 days to see if the check got their and of course they say no, I call NetSpend everyday no lie and talk to thier so called " supervisor '' and they give me the same run around ever time, that they can't do nothing about it, that the check was already sent out back to the state of Nevada , and that all they can do is escalate this to the " higher department " because they can't look at or do anything about the issue, and that they will call and email me within 3 business days and never not one time have I gotten any call or email from NetSpend , I don't know what else to do please point me in the right direction, and I know I'm not the only one who these thief 's are getting

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 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and I will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them from them months but I just remembered I could file report on here as I feel they are not doing thier job properly and it is effecting me a great deal as I used Paypal quite frequently. I have money balance there..My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing thier job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
As my mortgage is more than 90 % paid off and my taxes and insurance have already been paid for the year. I have requested from LoanCare on two separate occasions in writing to stop collecting escrow on my account and return the overage to me in the form of a check. This is in addition to the two phone calls that I have made spending a total of 90 minutes on the phone requesting the same exact thing. 

The current amount of the the overage is {$380.00}. 

Dealing with Loancare has been a nightmare from the very beginning. The main reason why I have advanced my mortgage is to make sure that I will not have to deal with them any longer. 

Judging by the horror stories on the internet regarding Loancare and their feeble attempts to service mortgages, this is a widespread problem.

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 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I attempted to send a plumber {$200.00} for a job he did for me on XX/XX/XXXX. He told me to send it to his girlfriend since he did not have Paypal. I did and in the comments field I mentioned his name so I would remember what it was for. Transaction ID : XXXX Paypal put the payment into pending status and requested I provide the plumber 's date of birth due to regulations they have. I asked the plumber but he refused to provide me proof of his DOB. At this point I explained this to Paypal numerous times that I could not provide this information and asked to just have the payment cancelled. They always repeat that they need this information and the case can not be closed until I provide the information. The Paypal website mentions case reviews as taking 30 days maximum but I have been waiting 99 days now. I have no other recourse to get my money refunded. Please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XX/XX/2021, I called National Credit Adjusters reference two account that were transfer to their company from XXXX XXXX XXXX  XXXX  XXXX. The two credit accounts one has a balance of {$400.00} and the another account has balance of {$420.00}. The two credit accounts were charge off and National Credit Adjuster is reporting the two accounts to the credit bureaus with an balance of XXXX for one account and {$420.00} for the another account. 

Furthermore, National Credit Adjusters have continual to call my job several time at XXXX XXXX XXXX XXXX, and I asked the company not to call me at work, but they continue to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2021-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have Lowes Synchory card. I made one purchase of XXXX in XXXX and had a choice of 10 % off or no finance charge. I made another purchase in XXXX for XXXX and took the 0 % interest for 1 year. Even though the 0 % balance promotion was not up until XX/XX/2022, each time a made a payment, lowes would divide my payment between the two balances instead of putting full payment toward balance that was being charged an interest rate. The statements is 2 pages front to back of small writing and is very difficult to see this notification that says if you want your payment to go toward a specific balance you have to call with every payment. 
As a consumer, I feel this is very unprofessional and an attempt to bait and switch to make sure they get you for some finance charge. It is a terrible practice is a dirty trick to play on consumers who mare making purchases in your store.

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 2021-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: WA

Complaint narrative:
In early XX/XX/2020 I purchased a use auto from XXXX 's XXXX in Washington State. At the time of purchased I was given paper work of my loans amounts and interest rate. After I left the lot with my new car, I received a call a couple of days later informing me of changes to my loan. The Financing Company is Westlake Financial, my interest rate and loan payment were higher than what I understood it to be. I did discuss my concerns with the dealer about my rates, I feel I was deceived and misled into a purchase without full disclosure of the rate I would ultimately would have. I was badly in need of a car, the dealer knew that and I feel they took advantage of my circumstances. I tried to call them to discuss the rate and request a lower rate they said there was nothing they could do, they said I could not bring the car back.

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 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express has taken a {$400.00} check from me, cashed it, and has refused to credit my account. I have spent countless hours, calling and emailing information to get this resolved. 
Current Representatives Involved in this dispute : - XXXX, American Express Global Collections, Supervisor : Part of the main department giving out false and conflicting information. 
I was on a recent call with all the individuals listed above and both XXXX and XXXX are taken back that this has not been resolved. The have held my money hostage for 6 months with crediting the account or refunding my money. 
I have reached out to American Express over 20 times since XX/XX/XXXX and here we are in XXXX of XXXX and American Express denies having the payment and continues to close my open cases. Even though the check sent directly from XXXX XXXX  bill pay ( I have provided proof of payment below ) CLEARLY shows the bank account number on the check. Also that the check was endorsed and cashed by American Express. The same bank account number where I have sent past payments, to which the account has been credited. Furthermore, American Express has been reporting this account incorrectly to the credit bureaus causing damage to my credit because of this misinformation. 
I have also filed a complaint with the XXXX XXXX XXXX. Still I everytime I call and speak with supervius they are asking the same exact questions over and over again ( For example. When was check sent out? ). If a case has been opened that information should have been in there. 
Based on the way this is being handled I am sure I am not the only one that has suffered at the mercy of this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I have 3 collection medical that aren't mine I don't know who told the hospital that.. I attached a photo of the information thank u

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage was recently sold to NewRez LLC, XXXX. XXXX  XXXX, XXXX, SC XXXX, Main Office NMLS ID # XXXX. My monthly payment requirement was {$850.00}. I chose to pay extra on the mortgage, for a total payment of {$860.00}. The extra {$9.00} should have been credited as an extra principal payment. When NewRez started servicing my mortgage in XXXX 2020, instead of crediting the extra {$9.00} as extra principal, they decided steal the money from me by inventing a legal charge that I do not owe. They took the {$9.00} from me for 5 months before I realized the problem. 

I have to think that they are probably stealing from other customers also, hoping that they won't notice, as I didn't.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Tried to close account. Hold was placed on funds. Requested that funds be transferred and account closed after hold ( ten business days ) was lifted. Fourteen days later, account was still open and funds had not been transferred. As of this morning, I can no longer access my account online, and funds have still not been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020. I randomly received a text from a claimed caller ID TD Bank said Fraud Alert about a transaction for {$500.00}, I denied acceptance. Then I immediately received a call from TD bank # that someone was trying to take money & they would stop on their end. They sent me a XXXX request & told me to hit yes. It concerned me, but I did because it was the " BANK '' They did this for 2 transaction {$600.00} & {$400.00}. I called Bank, then I Filed a police report once I checked my account after the weekend and realized they didn't stop, but took money. The bank gave me a provisional credit, then took money back in XXXX because I hit Yes for XXXX. This was a Phishing Scam. I did because I thought I was speaking with Bank & Trusted. I feel so violated and this has never happened to me before. I am not liable for this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC

Complaint narrative:
Good morning, I have previously submitted the dispute for deletion of the collection account from my credit report reported by XXXX XXXX XXXX in the amount of XXXX , and this account again appeared on my credit report. this account now reported by a company called MRS associates, but this XXXX account opened fraudulently under my name, I have left the USA back in 2015 and I physically could not open this account. also, I am including supporting documents to prove that I was not in the US when this account is open.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On more than one occasion Synchrony Bank has inadvertently reduced the limits on my store credit cards from XXXX XXXX XXXX XXXX to go despite me paying over the amounts due and never being 30 days late on these accounts. They have done this and have severely impacted my credit score in reducing my credit card limit saying I am a hazard and Im not. This bank has continuously done this to customers in a middle of a pandemic lowering their credit score and increasing their credit utilization while not not providing any justification for their abrupt actions. I am reporting synchrony bank to the FTC and my state attorney for predatory billing practices and ask that CFPB investigates this throughly

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 2021-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
To whom it may concern : I Bought my XXXX XXXX from you guys back in XXXX of XXXX. I took it to a auto care business, because the engine kept on running on Hot. So I took it in to get it looked at. What it came down to that the tranny is going out of the XXXX that I bought from you guys. Your company can either fix the issue on my XXXX other was I will be sueing for fraud, whitch I have an appointment with a attorney on Tuesday an he is extremely interested in taking my case. You guys have til Tuesday the XXXX XXXX before XXXXXXXX XXXX to fix this issue or Im handling this over to my attorney. 

Now it has happened again, XXXX XXXX of XXXX IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC

Complaint narrative:
Good morning, I have previously submitted the dispute for deletion of the collection account from my credit report reported by sequim asset solutions in the amount of XXXX , and this account again appeared on my credit report. this account now reported by a company called XXXX XXXX, but this XXXX account opened fraudulently under my name, I have left the USA back in 2015 and I physically could not open this account. also, I am including supporting documents to prove that I was not in the US when this account is open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
In XX/XX/ 2021 I requested information to validate this bill reported to my credit file. I never received information that gave to know that this debt belongs to me. I have always had insurance and dont know why I would be getting a medical bill ( {$8100.00} ) this large. I have disputed with the credit reporting agencies and they have not done an investigation of this medical bill. I have not signed any HIPPA release form to release my information

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 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
As previously investigated in a previous dispute this company never mailed me a letter about a collection for {$280.00}. I only found out about the debt after seeing it pop up on my credit report. I disputed it with Congress collection via credit report electronic disputes and the company would not investigate their error. After disputing this with CFPB and XXXX, Congress Collections obtained my correct address and mailed me a letter as well as called my phone harassing my wife, my XXXX yr old daughter, and myself about payment. I called XXXX XXXX the original owners of the debt and informed them about new legislation that bans companies from trying to sue their customers for medical debt during a pandemic. They were shocked and didnt know that my copay was covered by the VA and apologized for their incorrect billing procedure as well as not following new government guidelines and laws. 

Congress collections has refused to correct their erroneous collection which I do not owe or have to pay for from my credit report. This is illegal and a direct violation of my FCRA rights as well as several new rules put into place during this pandemic. As a government employee I will be writing to the White House and National Consumer Law Center to let them know about malicious debt collection companies and CFPBs lazy investigations. 

Please see link XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation