vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to request your help and notify multiple violations to the FCRA. My name is XXXX XXXX ; my SSN XXXX, DOB : XXXX. My rights as a consumer are not being respected. I have an account with XXXX XXXX XXXX XXXX, account XXX, opened : XX/XX/XXXX Limit : {$22000.00}. This company is committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Bank of Americas website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXX, Date opened XX/XX/XXXX Limit {$2300.00} ) is current without a single late. This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. 

They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

This is affecting me in a huge way, mentally and physically. I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from Bank of America as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Bank of Americas records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.

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 2019-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On XXXX XXXX I made this " purchase, rent '' of 2 mattress in XXXX, XXXX XXXX XXXX XXXX XXXX, for the amount of {$860.00} with a down payment of {$53.00}, later on I made a phone call to the company ( ACIMA ) making a plan of liquidate the purchase in 3 months to pay early in order not to get interest. First off all in that phone call no one specified me that if I miss a payment I would be place in a new contract with this tremendous inhuman interest rate. Well, without letting me know they subtract from my Visa Card my first payment of {$280.00} on XX/XX/XXXX, on XX/XX/XXXX they subtract the second payment of {$280.00} out of 3 payments agreed, when they try to collect the third payment again without letting me know, the credit card company where I was making payments with, reduced my credit line and I had no notice of that, leaving the third payment without enough founds to cover. ACIMA did not have the courtesy of notify me immediately, I would of find another payment method to cover this final payment. I try to make this final payment as agreed but they did not accept and now they are charging me a total of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I submitted a request to have PMI removed from my loan. At that time, the bank representative stated to qualify I need to make principle payments. I sent 2 additional principle Check XXXX {$2500.00} check date XX/XX/XXXX Check XXXX {$200.00} Check date XX/XX/XXXX My current LTV is 75 % ( Below the 78 % automated termination requirement ). I have XXXX credit, Payments are auto withdrawn from my account, no missed payments, & have equity in the property. My PMI payment is {$23.00} ( like to keep things in prospective ). 
I have asked NewRez mortgage ( Shellpoint ) to escalate my request to remove PMI for my loan. I keep getting letters indicating I have to pay {$150.00}, {$400.00}, {$500.00} to get PMI removed. They also said PMI termination is based solely on the original amortization of the loan and I am not scheduled for termination until XXXX? 

Thank You!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I have received on several occasions invoices from a collection agency known as EOS CCA. They claim that they are collecting a debt on behalf of US Asset Management Inc for the original creditor known as XXXX XXXX XXXX/XXXX XXXX. T this time I am requesting a full qualified written request of the debt origination, its multiple transfers, and any connection to the U.S. Department of Education if any. Please see an attached qualified written request demanding the authority to collect on the described debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
The original contract with XXXX XXXX XXXX XXXX XXXX XXXX is listed on my credit report allready. The account Monterey Collection services shows in collection is a duplicate account of XXXX XXXX XXXX XXXX XXXX XXXX. This is my second request written request to have them remove the duplicate.The amount shown does not match the original amount, they have negatively reported on my credit report. I asked for physical verification plus they remove duplicate their duplicate account. They have never sentThis appears to be a stall tactic which has hurt my ability to obtain credit. Also I'd like them to send me physical verification where the 12 % interest they are charging me I agreed to. They threatened me and you can see it by the tone in their response to you. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified duplicate account be removed. If Monterey collection is representing the original. Section 611 ( 5 ) ( A ) of FCRA -your are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at XXXX or mail XXXX XXXX XXXX XXXX XXXX CA XXXX or XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: NY

Complaint narrative:
The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX Bal : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX  Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened 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 2019-11-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX  Bal : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX  Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened 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 2019-11-18 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — I do not know
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: Eagle Accounts Group, Inc.
State: MI

Complaint narrative:
The child support agency is suing me for a debt they never proved I owed. No contract of any sort and they have suspended my persons drivers license without providing me any proof of the debt I owe them after me sending them numerous responses asking to see the contract or anything that says I owe them. I took them to court in XX/XX/XXXXand now the Friend Of The Court is saying that I owe them also. All of this is without anyone sending me any documentation of my signature on anything obligating me to any type of performance after I've asked multiple times. They are saying I owe them almost 2000 dollars for who knows what.

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 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I am a new employee   at XXXX XXXX XXXX. I applied for a store credit card on XX/XX/19 so that I can enjoy my employee discount. Several days went by and I had not received the new credit card. XXXX advised that I wait until I received a letter. I received a letter yesterday ( XXXX ) saying that XXXX XXXX  who issues XXXX 's credit cards could not grant me credit based on information they had received from a consumer reporting agency. The agency reported that I was deceased. Ironically I have four existing accounts with XXXX XXXX   from other retailers. The consumer reporting agency that inaccurately reported this information is Sagestream LLC, XXXX XXXX XXXX XXXX XXXX, CA XXXX. Their phone number is XXXX. Unfortunately there is no option to speak to a representative. The system just asks for you to leave your information and they will call you back. They have not responded to me. They were in fact in my correct credit file, as I can see the hard inquiry in XXXX XXXX and got an alert when they made the inquiry from XXXX. Their reviews on the internet are very concerning. They should probably be investigated. Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: CADENCE BANCORPORATION
State: GA

Complaint narrative:
On XX/XX/16, my account was erroneously charged with a {$170.00} charge that appears in my account as : AC-XXXX XXXX XXXX -GA XXXX XXXX XXXX XXXX. 
I went into Cadence Bank, where the account is held, to dispute the charge in writing. 

As of this date, XX/XX/2016, I still do not have my funds returned and have not gotten any resolution. 

In XXXX, this happened - same AC payee info, I went into the bank to dispute, and the funds were returned. Unfortunately, the account got hit again with no safeguards even though I was assured this would not happen again. 

We do not pay our taxes out of this account, do not have our epin tied to this account and do not owe any GA taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: WY

Complaint narrative:
I have disputed the medical debt alleged by XXXX XXXX as they charged me an amount so much more than any competitive hospital or medical provider would have charged for the procedure that I had performed at XXXX XXXX. XXXX XXXX was requested to provide an itemized listing with the corresponding XXXX  billing codes and amounts, and they have NEVER provided that list. My review with XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX Hospital, and XXXX XXXX XXXX showed the amount should have been closer to {$10000.00} to {$12000.00} while XXXX XXXX   charged some {$56000.00} per Capio Partners which indicates that XXXX XXXX charged me for more than one patient or willfully and deliberately committed fraud by charging an amount that they knew to exceed what used to be reasonable and customary charges. In addition, XXXX XXXX has been proven to have committed fraud in paying our four top XXXX XXXX executives some {$120.00} XXXX as they sold out to XXXX XXXX, and one of the  selling points was the large " accounts payable '' on their books. In addition, XXXX XXXX XXXX was established to address the lack of care that XXXX XXXX   provides to XXXX residents as myself as they have eliminated XXXX services and operating theater at the old  XXXX Hospital. In short, XXXX XXXX looted the XXXX Hospital to help fund the pay outs to those four XXXX XXXX executives. Capio has not purchased this alleged debt and they have not disclosed how much their fee would be to collect this debt but as a general practice my research is showing much of the medical debt is being discharged at 32-46 % of the original amounts if they met the XXXX  billing amounts. In short, XXXX XXXX should recalculate my medical charges with a full itemization showing the XXXX  amounts. Capio needs to butt out as they are not medical practioners, they can be linked to fraud as they are attempting to profit from fraud, and they are not permitted to see medical billings per HIPPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One is making it hard for me to dispute transactions with my Credit Card. I am experiencing extended hold times for several hours. The customer service agents arent available. The phones do not work and the agents can not hear my voice. The quality of service for the phone call is seriously degraded. The process to dispute is confusing and results are sometimes unfair to the credit card holder. Further the reasons for the results are not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent money ( {$1600.00} ) with XXXX from Wells Fargo Online account on XX/XX/2019. 
Money was sent via email address to a person known to me and to an email address that I have used to communicate with her. The money was not received. I filed multiple claims with Wells Fargo Bank. I was on a conference call with WFB and the person I sent money to. WFB knows the person did not receive the money. 

Wells Fargo notified me that the transfer was processed and there is nothing more they can do.

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 2019-11-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THAT EXPERIAN IS REPORTING ANOTHER PERSONS CHID SUPPORT ON MY CREDIT. 

STATE OF MICHIGAN CHILD SUPPORT - DATE XX/XX/2019 - AMOUNT {$830.00} -

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 2019-11-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
PLEASE LOOK INTO THE CHAPTER XXXX BANKRUPTCY ACCOUNT THAT HAS BEEN DISCHARGED IN COURT SINCE XX/XX/XXXX. THERE IS NO BALANCE ON THIS AND IT HAS REALLY BEEN AFFECTING ME INTENSELY, AND BECOMING AN OBSTACLE IN MY LIFE. I HAVE ATTEMPTING TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT SINCE XXXX OF XXXX, NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY IMMEDIATELY. THIS IS REALLY AFFECTING MY RIGHTS AS A CONSUMER AND IS VIOLATING EVERYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I had a loan with XXXX  and fell behind because of a family medical emergency. This hurt my credit score and CITI  Bank drastically decreased my limits on two cards I have had with them for years. I called and got an explanation and was also told that if i I resolved the issue with the negative account ( XXXX  ) that they could reinstate my limits. 

Once I resolved the negative account I called CITI to reinstate my limits per instruction from my previous call. Representative said she submitted the request and to call back in a week. After a week, I called to check the status and was told it was denied and they don't perform reinstatements and they could only request a higher limit. I explained my situation and that I have been a loyal CITI customer for years without an issue and it took hard work to earn that credit limit. I was transferred to manager and he still was unwilling to help and only replied with " I can't '' attitude. Representative was a customer service manager with no empathy and made made no recommendations to help me regain my limits. I felt unappreciated as a customer, lied to, and he was frankly very rude. I spend over {$10000.00} to close the account so that I could repair my relationship with CITI and this is how they treated 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 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Have been using the Venmo app for almost 3 years. I was told on XX/XX/2019 that my account has been frozen due to unauthorized transactions and behavior not consistent with user agreement. I immediately questioned them about this through chat and phone and was told they would look further into it. On XX/XX/2019 I was told After thorough review of your transaction history and account activity, we did not locate any signs of account compromise or unusual device/location logins for this payment activity to be submitted. I have no record nor any feedback about how this issue came up and was immediately shut down by the Venmo support team. I was treated like a suspect and was threatened with collection action if I dont pay them this imaginary debt. I recently tried to log into my Venmo account ( XX/XX/2019 ) only to find out it was permanently closed, which prompted me to message the Venmo support team and inquire about the debt again. I received no human feedback rather a automated response saying : Venmo is at its sole discretion to deactivate accounts for activity we deem high risk at any time, per the terms of our User Agreement. I apologize that we're no longer able to serve you. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs.When cases like this arise we do not release detailed information on our internal risk procedures for the ongoing security of our users and our platform. 

I am being told I owe {$700.00} for transactions not made by me nor authorized by me, yet am being accused and threatened with collection action. This is ridiculous treatment by a crooked company who clearly is looking to take advantage of its customers.

Company response to consumer: Closed with explanation