vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 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: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I have been a credit card member of First National Bank of Omaha ( FBNO ) since XXXX. I have been in excellent standing, doing minimum automatic payments and even doing additional payments. My credit limit was {$2000.00} which I was emailed today telling me as of XX/XX/XXXX my limit would be lowered to {$1700.00}. This changed my avail credit from {$380.00} to about {$83.00} - thus changing my debt ratio closer to the credit limit. This will naturally lower my credit score. 
My credit score is currently rather low. I had a couple other credit cards unwilling to lower my APR so I turned to XX/XX/XXXX in order to consolidate those cards and force a conversation with creditors when they previous were stubborn to negotiate lower aprs. To this date I have settled 4 credit cards and have one credit card remaining with XXXX XXXX XXXX to negotiate a settlement. FNBO was the ONLY credit card I kept out of the XX/XX/XXXXconsolidation program. 
After receiving todays email from FNBO regarding my account changes I called today XX/XX/XXXX at XXXX PST to ask for clarification and assistance. I was transferred to supervisor XXXX extension XXXX. He said negotiating to revert my balance back was out of his hands and a fact. When I asked to speak to someone else, he refused. So my understanding is this ... I have been unemployed since XX/XX/XXXX due to Covid19. Covid has affected the world health wise and economically. Even through unemployment, a pandemic and lack of income, I have making automatic payments, paying additionally, and been a diligent, dedicated customer since XXXX - yet FNBO will use predatory tactics to aggressively drive up debt and refuse to listen to their customers concerns, simultaneously instrumental in destroying good standing customers credit. Yet, are they asking for help from our US government or getting Covid relief? I find this behavior to be somewhat criminal. I find FNBO behavior to create a culture of economic disparity. This should not be allowed. If the idea is to force a settlement, then my options are they offer one or I in fact stop payments and force a dialogue with FNBO which would, unfortunately , drive my credit into further peril. How is this responsible behavior by FNBO?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
HI IC System / XXXX ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
The response provided to the XX/XX/XXXX and prior complaints does not substantiate the credit reporting. 
1. If debt was purchased by law NCA is required to notify and allow 30 days for response. This was not done. I was denied the right of debt validation and verification. Attached documentation provided toXX/XX/XXXX and documentation associated with other CFPB complaints shows lack of notification 2. Original debtor has no record of any debt being sold to NCA. 
3. Documents provided to by NCA in response demonstrates they lacked to notify, and follow FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Portfolio Assets
State: ID

Complaint narrative:
XXXX @ XXXX XX/XX/XXXX I received a Text massage call via my phone ( Hi this is XXXX from XXXX XXXX (? ) Delivery Service calling with an urgent message regarding a delivery for both XXXX (? ) XXXX. Please give us a call to our toll free number well provide you with full detail about whats been deliver and help you reschedule. Also due to the COVID-19 is that were doing courtesy calls before sending anything out. Im. ) I received a voice mail also saying that the Reference number is XXXX and to call XXXX. 

I called the number and was informed that I had a Balance due on a Master Card through XXXX from XXXX to XXXX and Western Assets was handling this account and that I had made Payments, I have never had a Master Card nor have I ever Singed anything authorizing the use of a Master Card account and I made no such Payments.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX and XXXX, XXXX, and XXXX ( XXXX ) did not abide by our agreement and court order to apply my arrears unpaid to my principal ( from prior hardship mortgage plan from job loss ). They brushed off my many emails and calls requesting help regarding my mortgage 's incorrect billing statements during a pandemic. My monthly bills showed an extra {$5000.00} plus due each month. I was advised my loan was still in process and someone would call back - FOR THE ENTIRE YEAR. I was on the phone countless hours with no assistance and I not only emailed XXXX XXXX XXXX, but emailed XXXX for assistance. They never provided any detailed itemization of this {$5000.00} plus unpaid amount they added to my billing. Never provided explanation of why my principal increased so much, or provided any assistance with loan status. Even when my attorney reached out, they advised they would look into it and that was it. 
XXXX XXXX XXXX then sold my loan with the incorrect information to Roundpoint Mortgage, so instead of showing up to date Roundpoint has that I have not paid since XX/XX/XXXX. Which is not correct. Roundpoint, in turn, sent me a packet on foreclosure assistance two weeks ago and a bill for {$6000.00} plus, when my monthly payment is {$660.00}. I tried to refinance and was denied, because XXXX XXXX XXXX reported that I have not paid for my mortgage since XX/XX/XXXX and they would not correct or acknowledge my request to correct.

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National Credit Systems : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX has been sending me Collection Notices in the Amount of {$1800.00}. The collection has been reported as a past due balance. I do not know this company .I have not ever did business with National Credit Systems . This company could not and does not have a contract with my legal signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
XX/XX/2021 I was advised by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Card that my payment was returned. The representative over the phone provided me with the wrong information she informed me to pay {$150.00}. Then informed me my card would be reinstated to use again. However, That was not the case then I was advised on XX/XX/2021 that I can make the payment on my XXXX XXXX. Then on XX/XX/2021 the associate informed me that I could pay over the phone with her however and I did not have to pay the fee. I called today to confirm the information and the supervisor refused to accept the payment. I informed him I wanted to close my account today based on the poor customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent numerous dispute letters to Equifax, XX/XX/XXXX, and XX/XX/XXXX disputing an erroneous bankruptcy that is being reported. The credit bureaus have failed to provide the necessary validation to keep the bankruptcy on my credit reports. I have attached the latest dispute letters and have provided the certified mail receipt numbers as evidence. 

Certified mail receipt numbers : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
When Wells Fargo migrated Well Fargo Auto to WellsFargo.com my birthdate was incorrectly entered in the system ( as confirmed by Wells Fargo customer service ). This prevents me from accessing my account and account information online. **I do not receive statements of payment** of my loan and can not see history of payment, all I see is that my bank account is getting drafted every month. 

When I called Wells Fargo to get this resolved, after multiple hours on the phone no one was able to help me or change the information associated with the loan.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Date of call : XXXX Unable to lift credit freeze using phone number provided by company : XXXX. No option is provided to lift or remove a freeze. No option is provided to speak with a representative. 

Per company ( https : //www.sagestreamllc.com/security-freeze/ ) : You can request the lifting or removal of the security freeze using one of the following options : Submit your request securely, online by completing our Security Freeze Lift / Removal Request Form Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX : Call us at : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX, XXXX/XXXX, and SYNCB/Gap. The Account Opened is XXXX/XXXX Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is SYNCB/Gap Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-03-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Macys/DSNB, and XXXX  The Account Opened is XX/XX/LVNVFunding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is Macys/DSNB Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XX/XX/GapAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I can't dispute on my XXXX  will not let me start an dispute Transunion will only let me dispute one item XXXX i can never get into my online account I paying money to all 3 companys

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 2021-03-05 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: NV

Complaint narrative:
I can't dispute on my XXXX  will not let me start an dispute XXXX  will only let me dispute one item equifax i can never get into my online account I paying money to all 3 companys

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Coinbase, Inc.
State: AZ

Complaint narrative:
I have XXXX Bitcoin with Coinbase Inc. 

On XX/XX/21 I requested a transfer of {$2000.00} to my bank. 
I was immediately notified that the sale had been started, but the money was not transferred. 

On XX/XX/21 I requested a further {$1500.00} which was not transferred. 

Coinbase has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I can't dispute on my experian will not let me start an dispute XXXX  will only let me dispute one item XXXX  i can never get into my online account I paying money to all 3 companys

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 2021-03-05 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Apple Card/GS Bank and XXXX XXXX/XXXX. The Account Opened is Apple Card/GS Bank Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$690.00}. The Account Opened is XXXX  XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On Saturday, XX/XX/2021, I'd found out that {$1000.00} was gone from my USAA bank account. I saw that money had been transferred through XXXX to an unauthorized number. I immediately called USAA to film a bank fraudulent claim. When I was on the phone, I was told that an unusual phone number was identified having access to my account. So i also went through the lengthily process of reporting my debit card stolen, had my email changed, username changed, password changed, pin number changed, and turned off the quick login feature to avoid any more break-ins. 

On Thursday, XX/XX/2021, I was emailed a response from USAA that my fraud claim had been denied. The next day, XX/XX/2021, I called back and spoke to a USAA representative and asked for an explanation to why my claim was denied. The guy on the phone was perplexed and sent me to the ER department of USAA, which apparently handles securities and claims investigations. I was told by the woman on the phone that I was denied because it was my responsibility through a scam. I kept trying to explain that no information had been given out to anyone, but they still said there was nothing they could do. That a man somehow got my information from somewhere, used it to get into my account, and made a transfer without my authorization and I was told that it's still somehow my fault. I warned that I would just keep calling back until I see my missing money reimbursed. Still, they said that the decision was made and that they hoped I'd have a nice day. 

This seems like a securities issue on their end as my phone and email were the only numbers or addresses that were authorized to get into my account, and yet despite an unknown phone number getting into my account, they still call it " my fault ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I received notice that my credit score had dropped due to a collection account in XX/XX/XXXX. I logged into XXXX  and found a collections account for XXXX XXXX XXXX for {$5800.00}. I originally thought this debt was not mine and submitted a complaint that I did not owe this. XXXX  agreed with me and removed the debt from my report. 

In XX/XX/XXXX it popped up again with an new collection company Enhanced Recovery Co. I disputed this again. Except this time they sided with the collection agency and said I owed it. I did some research and found it was a collection from XXXX for an unpaid bill. This was news to me because my XXXX bill was paid in full monthly and I never missed a payment. 

I found that the account in question was a closed account with XXXX when I updated my last phone. XXXX started a new account and closed the previous one out. 

In XX/XX/XXXX someone had ordered 4 XXXX XXXX, a XXXX XXXX XXXX, and a XXXX watch under the old account number associated with me. I never received a bill or notice this had happened until it went to collections. Now I have been fighting to get it removed my credit report. 

In XX/XX/XXXX I called XXXX to have the debt disputed. They agreed over the phone this is not my debt and my current account is in good standing. I submitted a fraud dispute on their online dispute center and never heard back. 

In XX/XX/XXXX I called XXXX  to question the last result to not remove the debt. They filled a fraud dispute and told me to file a complaint with the FTC. 

I have attached the bill of the account that was fraudulently used to purchase the equipment in my name.

Company response to consumer: Closed with explanation