vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
It started in the months of XXXX, XXXX, XXXX, XXXX and i had experienced a day that had my worse nightmare on XX/XX/2020, MIDLAND CREDIT MANAGEMENT INC Amount indicated owed : {$2200.00} This company knocks my apartment before XXXX and late in the evening past XXXX. 
This company also went to my leasing office asking information about my whereabouts and asking the leasing office if they can open my apartment for them. They also requested my leasing to call me ( in their presence ) to reach out to me while they are in front of the employees in my leasing office.

This company also screams my First Name and Last Name on my doorsteps on Saturdays and Sundays knocking our doors loudly. Completely scary mafia like they will kill you! This company also sends collectors and asking our neighbors on my
whereabouts. This company continues to harass me at my residence. Our neighbors are also disturbed with them knocking my doors ( including my neighbors ), while " screaming calling out my first name and last name '' to open the doors for them.

They leave messages in my doorsteps indicating telephone number to call them back and when you speak with someone, that person from their side ( collector ) will say they can send someone to arrest me, send a police if a debt owed is not settled.

Extremely scary company with their non-ethical practice. I do not owe anything nor made a contract agreement with this company.

This company also reported derogatory information to my credit file with the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company Kohls department store reported negative information to a Kohls account that I was not informed about and was not aware  of ; Approximately XXXX XXXX for an amount of {$67.00} ; as it turns out they had no email or phone tied to the account/database ; I only found out about this activity due to credit monitoring with XXXX. 

The company admitted to me that none of my contact information was in their database ; I attribute this issue to stolen account information with a combination of corrupt and improper management of their data, which was in my opinion was obtained by others.

I contacted Kohls and they could not obtain my account information. They did give me the last four characters of the account number which is also on the XXXX  report ; the account number is  XXXX. 
The account has been closed to insure not additional fraud occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had an auto car loan with Capital One Auto Finance. On XX/XX/XXXX a {$20.00} late fee was assessed. On XX/XX/XXXX, I paid {$110.00} partial payment. On XX/XX/XXXX, I traded in my XXXX XXXX XXXX to a dealership. The dealership sent Capital One Auto Finance a check to pay off my auto loan on XX/XX/XXXX. The check did not post until Friday, XX/XX/XXXX. On XX/XX/XXXX is when Capita One Auto posted the payment to my account. I was notified by email on Saturday XX/XX/XXXX after business hours that the account was paid in full. I tried calling Capital One Auto Finance to discuss waiving the {$20.00} late fee however, the service center was closed. The dealership advised me it would take 14 days for Capital One Auto to receive the payoff which would take me Monday, XX/XX/XXXX. On XX/XX/XXXX, I contacted Capital One Auto Finance at XXXX XXXX  to waive the late fee since the loan was paid off early. Capital One Auto is telling me since the loan was paid off, there is nothing they can do about the refunding the late fee. They are sending a {$34.00} overpayment but can not refund me the {$20.00} late fee? This is a finance company, they can do what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Okay so i had a guy send me a XXXX check for just talking to him, he seemed like a nice guy, he then sent the check and proceeded to tell me to send it to some charity But it was to phone numbers that he sent me, I then realized that it was some sort of scam so i tried to get rid of the money by sending it back, but now i owe my bank XXXX $ and i dont know what to do, i called my bank and they said i got scammed but i owe the bank all this money?? I really need help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander is involved in a multi state settlement that I was apart of and it is still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: CURO Intermediate Holdings
State: AZ

Complaint narrative:
Loan was paid in full. I have the documentation to prove it! Email confirmation from the company itself stating that the loan was paid off, however, its still showing on my credit report as derogatory and in collections which is affecting my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I applied for the refinancing of the existing mortgage in XXXX of 2020. They never responded to the application and claimed it was lost due to technical glitches. They finally found it a few months later. They have all of the required documents. In XXXX they claimed there were issues with the way the house was registered with the county property appraiser 's office and they could not conduct an appraisal of the house. They claimed that the house was registered as a single family and to have it corrected as a multi family. I was able to get the issues corrected, all during a pandemic, in  XXXX, they conducted the appraisal. After many calls and emails they claimed that they had to run my credit again as it had been awhile since it was pulled. They pulled it and now it is XXXX and there is still response or timeline from them as to when the refinancing will be closed. They respond very slow and or response at all to my emails and voicemails.

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 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2020 I submitted this : I sell on XXXX, and my PayPal account was limited on multiple occasions. When I was limited, PayPal had me submit the required information so that they may review it and un-ban my account. I had my account limited 4 times within one month and each time I was able to provide the necessary documentation and my account was released. When my account was banned for the 5th time, I had submitted my information and some time passed where I had not received an update regarding my account as I could not withdraw any of my funds which are desperately needed. I contacted customer support through email as their customer service phone number is not working because the call center is closed. The agent told me that they are waiting for a specific transaction that was in transit to a customer of  mine, and once it was delivered, my account will be released. A few days later, I had received notification that my account was permanently banned and all my funds are withheld for 180 days. After contacting support 3 times, I was not able to find the reason for my ban. 

I received a reply from the company stating, " As stated in the Restricted Activities & Holds section of the User Agreement, your remaining Account balance will be held for up to 180 days. We will make any remaining funds, less reversals or other applicable debits, available to you for withdrawal on or before XX/XX/2020 ; and we will notify you of this via email. Due to the global concerns over COVID-19, we have implemented limited staffing of PayPal Customer Support for safety precautions. We apologize for this experience but can assure you we are still committed to providing world class customer service and can be reached via email and chat. Alternatively, you can use the self-service options found on your Account. '' I was  lied to by the company. On XX/XX/2020, the company illegally withdrew my entire balance and said it was a payment for " PayPal 's damages caused by Acceptable Use Policy violation ''. This is ridiculous. I need my money now. I was blatantly lied to by the company and I am frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/2020 a DISCOVERBANK account ending in XXXX with an available credit limit of {$14000.00} was removed from my credit report by all the agencies. On XX/XX/2020, it was reported that there were two payments made automatically by XXXX XXXX without approval. On XX/XX/2020 a charge of {$74.00} and on XXXX a charge of {$200.00}. These were not supposed to be charged to the Discover credit card ending in XXXX. A dispute was created, but as of today, this account and its available credit limit and the time I have had it has been removed, thus reducing my overall credit score. I have spoken to Discover Card and they could provide no information. After numerous attempts to file a dispute with XXXX, I could not file a dispute to end this and put this credit back onto my score reports. Please assist me! 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
XXXX I received the letter state that " we have tried to contact you '' ( that is false ), to collect debt from hospital ( service date XXXX ). 
There is no medical bills, no explanation, just order to pay {$2700.00} before XXXX. 
And threads that this is " amicable manner '' Company represent itself as PCB XXXX XXXX XXXXXXXX, XXXX, NY XXXX ( XXXX ) XXXX XXXX I have medical insurance, and I never received any " bills '' from hospital, that PCB "  represents ''. Beside that - hospital has my insurance 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 2020-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
i received a letter from Synchrony bank dated XX/XX/2020 and they have decided to close my acct with Sams. This is the second one in a year Synchrony bank has closed my acct. i have never missed a payment with any account issued by synchrony bank and they have lower my credit limit and then decided to close my account without any notice. Synchrony closed my JC Penny credit card last year and now they decided to close my Sams credit card last week without any notification.  Both of my credit cards have XXXX balance on them, but the fact Synchrony bank close my account without prior notice was inconsiderate and disrespectful. I have increase my credit limit on most of credit card except for these two. i don't wish to ever get credit from this bank again.

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 2020-10-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Loan was paid in full. I have the documentation to prove it! Email confirmation from the company itself stating that the loan was paid off, however, its still showing on my credit report as derogatory and in collections which is affecting my score!

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 2020-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had opened a Double Cash Credit Card account with CitiBank back in XXXX of XXXX. The rep had stated that there is a promotional offer that if I spend {$500.00} within 3 months of opening the account, I would receive a {$100.00} cashback. By mid XXXX of XXXX, I had already paid off {$680.00} on this card. I waited a month and I did not receive the cashback as promised. I called in and spoke to a customer service rep, who checked my account and verified that I had indeed spent {$500.00} within the first 3 months and that I would be getting the {$100.00} cashback on my next statement. My next statement came in and I still do not see this money. This is when the pandemic started getting bad and I tried calling them numerous times and was unable to get through to anyone. I had also tried messaging them through the app and the person I chatted with told me that they can only see limited information on my account and that I'm not eligible for the reward. They told me I need to call in to speak to a rep to get a better resolution. Fast forward 2 months later, I called them again and this time the rep confirms that I did reach the promotional requirements, but they don't know why the money is not showing up in my account. They told me they would need to check with another department and that I would receive a " determination '' letter in the mail within 7 business days. 3 months later and still nothing.

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 2020-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern, As I was checking my credit score on  XXXX XXXX, I noticed an open consumer account named : CAPITAL ONE/WALMART with a balance of {$3300.00} and limit on {$3900.00}. I have had 2 Capital One accounts before that are now closed. In fact, I should no longer have any credit cards, loans, etc open as I have recently filed for bankruptcy that has now been discharged ( case # XXXX ). I suspect this is fraud as I do not recall ever applying for any Walmart card. Also, it appears that payments are being made monthly to the card. This card was apparently opened on XX/XX/2014 ( 6 yrs, 1 mos ). 

I would like this removed from my credit record as it does not belong to me nor have I ever opened or co signed for this. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: CA

Complaint narrative:
Not a duplicate - please consider this a NEW complaint. 

This is the fourth time Ive written to you regarding Experian. The company failed to properly reinvestigate the XXXX  account. My first dispute with them was on XX/XX/2020. Today is XX/XX/2020 and theyre are still reporting inaccurately for the account and have the dispute sitting in progress. They have had 7 opportunities to correct the report and yet every time I dispute they leave the same information reporting. They need to be held accountable. 

I have asked for documentation from the data furnisher XXXX XXXX XXXX on the unauthorized charge. However, they have not provided nor can I get ahold of them because mail is returned and phone is non working. 

Specifically, Experian has violated my rights under Article FCRA section 611 ( 15 U.S.C. section 1681I ). 

XXXX and Experian has violated my rights under FCRA Article-sections 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 ( a ) 1 thru 2. 623 ( a ) 1 A thru E and 623 b. Furthermore, they violated 1022.43,  as they failed to correct the inaccuracies or provide documentation to my request. 

I asked for an itemized statement of charges, proof of authorization and communication documentation but have not received. 

This is getting to be a big headache and in the mean time my credit is suffering. They need to be held accountable for their lack of following the law!

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 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I got a notice on XX/XX/2020, supposedly from Goldman Sachs, that an Apple credit card in my name and address, had a balance and asking me to settle the balance. 
I informed the Goldman Sachs Apple Card Specialist at XXXX that I had never had an Apple credit card, although I have been using XXXX devices for many years, and that in all probability my Apple ID must have been hijacked. 
The analyst wanted my date of birth and contact information which I provided but I declined to give the last 4 digits of my social security number since I was not altogether sure that this wasn't some sort of scam by an adversary of the United States, where I am a citizen. 
I have since changed my Apple ID password to be even stronger than before but I am perturbed that XXXX and Goldman Sachs do not utilize verification mechanisms such as two step authentication before allowing such credit transactions to go through. 
This hole in the secure use of apple credit cards at merchants is very disturbing. 
I have made a written complaint to the FTC but am also entering it here so that action can be taken to prevent innocent uses of XXXX mobile devices from having to pay for transactions that they are not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: TX

Complaint narrative:
I have sent Sallie Mae a dispute every month from XX/XX/XXXX to XX/XX/XXXX and the Debt that I allegedly Owe has yet to be verified and is still being incorrectly reported. When I called to try and resolve this allegedly debt I was informed that they no longer own the debt and it has been sold. Sallie Mae has been reporting this debt late every month since it has been in a Charged off status. This account has also been accruing interest since being in a charged off status and the balance is constantly increasing. Please remove this account from all three credit bureaus as this information is incorrect and illegal and Sallie Mae has not followed the law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank lowered credit limit from XXXX to XXXX. This was on XXXX XXXX when I tried using card and said was suspended. Didnt rec bill for XXXX when bal was XXXX. Said they got credit report and it had changed since I got card. That is incorrect. When I asked for information why wasnt notified or agreement doesnt have that information. This caused my utilization to change and my XXXXredit score lower 4 points. Rep wasnt able to answer why to any questions. Bill has always paid on time and some months no balance. XXXX XXXX has Rewards program and lowering credit limit automatically disqualify me from taking advantage of Rewards and that is discrimination. No letter or email notifying me of any changes. Changing credit limit to XXXX and I charged XXXX before it was lowered is what made marks against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Around XX/XX/XXXX I logged into my Experian account to check my credit score. Two weeks later I am noticing a XXXX dollar charge for the most expensive subscription plan they have. No sign up page no notice I had no clue I was even signed up! This is deceitful and scammy and ridiculous way to do business. I don't even use any other features nor have I requested them. This is the SECOND time they have done this to me. Now I have to call them or snail mail in order to submit a complaint because they keep sneaking their XXXX subscription service onto people 's accounts. I get ONE FREE SCORE a year from them I shouldn't be AUTOMATICALLY subscribed to their expensive plan with no notice or information about it? What kind of invasive tactic is this?

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