vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I received notifications on XX/XX/2021 and XX/XX/2021 that there were changes to my credit. When I checked, I saw two collections accounts that I do not recognize from a company that I have no dealing with. I have received no notifications, especially written ones, regarding these accounts from Portfolio Recovery. I disputed the collections accounts. They have not been validated. Portfolio Recovery 's practices are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
Goldman Sachs Bank is a result of IDENTITY THEFT i have tried to resolve this with the company and XXXX  and no one is willing to help! I have asked both companies to provide proof and nothing has happened. No proof has been received. This account has been removed from XXXX  and XXXX  with no issues but XX/XX/XXXX keeps saying verified as accurate. I never knew anything about Goldman Sachs until I applied for a apple card ( that does belong to me ) that goes through GS BANK and they then told me i owed them some old debt which was a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello Sir/Madam hope this mail finds you well, okay i will go straight to the point, my paypal account was closed and it is very depressing because inspite of me uploading all the documents I was asked of, I still get the mail that my paypal account has been permanently limited, the main reason I was asked to upload my documents was because I was almost reaching the paypal limit, you can confirm what am saying, by checking my paypal account ... XXXX. My name is XXXX XXXX and I would kindly request for you to check and reconsider reopening my paypal account , it has not been in any bad transactions, I linked it to paypal XXXX because I am from XXXX, the attached documents are evident of all that I uploaded successfully I have attached a copy of my Identity Card and a copy of my goverment issued document. Hope to hear from you soon thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
5th 3rd bank has committed fraud by back dating flood insurance a full year and attempting to charge me the full year even though the policy was only in affect from XXXX. I was notified that the flood insurance i had in place was not up to there code on XX/XX/XXXX and had 45 days to get the correct one. Time passed me by and I didn't give the correct Ins until XX/XX/XXXX so they force placed flood ins on XX/XX/XXXX for {$3100.00} which is nearly 10 times what I pay for flood ins for the year ( {$340.00} ). I have been told on multiple occasions that the full refund will come to me and that it is just processing and it will take 7-10 bus. days. It has been a month and only {$220.00} has comeback to me ( That is for the days I didn't use the forced placed flood ins for the year the document from the ins company says ) It said I used 339 days of the Ins even though it was in affect for only 7 days of XXXX. I have brought it up the chain to the resolution supervisor and was told by her that I would be getting the full refund back and have provided two separate documentation that they have requested. I was called back by her and said no we are not returning you the full amount and they did nothing wrong. They won't answer why they didn't notify me in XX/XX/XXXX that the flood insurance I had was not up to there code instead waited almost 11 months into the year thus being able to charge as much as they could if I missed the deadline. Plus charging 10 times what I have for flood insurance is just a complete and utter predatory and pure money grab business process. That charge was {$1100.00} more then what I pay for for property Insurance!!! By doing what they did it increased my monthly mortgage payment by $ XXXX dollars making it very difficult for me to pay my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My wife and I opened a money market account at huntington bank to save money for building our house. After taking money out for construction, my wife asked the office to close out the account and transfer any remaining funds into our other savings account. This was before all this Covid stuff started. The bank was having problems and said they would get back with her. I didn't realize that the bank was charging {$25.00} per month if the account was under {$25000.00}. I wanted to transfer some money from my checking into my savings. Huntington hid any savings account under another tab, so the savings balance is not easily seen. When I selected the tab, the money market account was in the negative. I made a complaint to the Huntington office on XXXX XXXX in XXXX XXXX, mi. They only refunded {$75.00} dollars in fees. This branch said because the account was opened at the XXXX branch in XXXX XXXX, MI. There was nothing else they could do. I went to the XXXX branch, and this branch said because the XXXX XXXX branch refunded {$75.00}, there was nothing they could do. So as far as I figure, Huntington owes me over {$500.00} dollars because they didn't close out the account when my wife asked them to close out the account. Plus, the bank knew that they charge fees on accounts like this, and not one associate said, " I see that the money market account is below {$25000.00}, are you aware that your getting charged {$25.00} per month? '' My wife goes to the bank all the time, and not once did any associate mention any fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: VA

Complaint narrative:
Look, i am not the person they are looking for. They never even sent me a letter like some people usually get. Please tell them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have started to receive letters from A law firm stating that I owe a balance with Santander Consumer through a third party for a debt from 2014. Santander has falsified information to approve me for an auto loan that I will later default on. In which state was found guilty in a multi-state settlement with the Louisiana Attorney General 's office. I've ask them to remove this from my credit report multiple times for their unlawful practices. When contacting Santander Consumer representative will hang up the phone on me or not get back with me with a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a puppy at XXXX in XXXX, FL. In order to complete the purchase, I required a loan which I obtained via LendingUSA. The loan was made online in XXXX using their computer. I opted for the interest free loan if paid off in 6 months. I paid my 1st payment on XX/XX/2021. I owed {$170.00}, but paid a little less than 1/5 of my loan. My first payment was {$1000.00}. To my shock, only {$950.00} of the {$1000.00} payment was applied to my principal balance. According to the terms of my loan, I should not be paying any interest. I called the company on XX/XX/XXXX, and was told they are charging me interest and will return it IF and when I paid off the loan in 6 months. This is NOT the terms of our agreement. I called again on XX/XX/XXXX, and was told after supplying both my social security number and loan number that they could not find my account. As a result, I mailed a letter to their billing department in XXXX, TX on XX/XX/XXXX, using priority mail. In addition, I called XXXX XXXX ( the division of XXXX that services FL ) and started a claim with them. I also emailed them a copy of the letter I sent LendingUSA. I want LendingUSA to honor the terms of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I asked my loan servicer, Mr. Cooper, to remove the private mortgage insurance ( PMI ) from my loan since my loan-to-value ( LTV ) is currently 79 %. My request was denied because my loan is currently in forbearance due to temporary financial challenges I am experiencing due to COVID-19. My home is valued at {$350000.00} with an outstanding balance of {$270000.00}. This makes the LTV 79 %. My homes LTV and removal of PMI should not be denied because the 79 % LTV happened to occur during a pandemic. As a mortgage holder, I have already paid PMI for the last 13 years on this mortgage and would like it finally removed as the LTV is at the required 79 % PMI protects the lender in the event of default. I have been paying PMI on my mortgage loan since I received the loan in XXXX of XXXX for the past 13 years. I have not defaulted on this loan during the entire nearly decade and a half I have had the loan. Mr. Cooper advised me that the PMI is scheduled to be removed from my loan in XXXX. In XXXX I will have paid PMI for 19 years on the same mortgage. 19 years of PMI is financially exploitative, excessive, and unreasonable by any standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The complaint is being filed against Citibank for 2 credit card accounts : Citi XXXX XXXX & Citi XXXX XXXX. 

I received emails for each account on XX/XX/21 indicating that my credit limit was being lowered for each account based on reviewing my most recent FICO report from XXXX. In both instances the limit was lowered to the available balance of about 1 minimum payment, effectively maxing out both cards where there was otherwise reasonable credit limit available. 

Citi XXXX : Original Limit {$22000.00} reduced to {$17000.00} ; I went from having {$5100.00} available credit to having {$370.00} available with minimum payment due of {$300.00}. 

Citi XXXX XXXX : Original Limit {$3800.00} reduced to {$2000.00} ; I went from having {$1700.00} available credit to having {$58.00} available with minimum payment due of {$56.00}. 

I contacted customer service ( finally reaching a live person after about 6 menus of options but that is another issue ) to ask if there was something wrong with my payment history as to why they would reduce my credit lines. I was told it had nothing to do with my payment history and she basically read the reason stated in the email letter they sent. I was told I had to contact XXXX to see if there was an error and this is just their policy and basically there was nothing she would do. I advised her that I would be filing a complaint. 

My balances are higher than normal and I'm pretty sure everyone 's balances are higher given the effects of the pandemic. I have paid on time and all bills are being paid regardless of higher than normal balances on my credit cards. My FICO has fallen given these higher balances but is still in good standing. I have been close to maximum limits in the past with this company and instead of lowering my limit they have automatically increased the limit. Lowering the credit limit on each account to the point where it is now at the maximum limit, seems unfair and abusive to the common customer. I work for a XXXX  and our mission is to assist the customer through this financially difficult time given the pandemic. This action of lowering the limit to max out the credit limit is unfair and abusive to any customer. I am certain that I am not the only customer that this has happened to and that is why I am filing this complaint. 

My account is in good standing, paid on time every month. The resolution I seek is to have my original limits reinstated and not be subjected to arbitrary limit changes going forward. If I were not paying my bill, then I could see not wanting to allow me more credit, but that is not the case and my payment history with this company will show that.

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 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have not been a customer of XXXX XXXX XXXX since XXXX and this debt posted on my credit report in XXXX. I have no knowledge of this debt, have not received any communications from XXXX XXXX XXXX nor the collection agency, and, to my knowledge, closed my account with XXXX XXXX XXXX without any outstanding bills. If this is an accurate debt owed, I am not even aware of how to pay the debt as no communications have been sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: MO

Complaint narrative:
Hello, I recently just disputed incorrect information on my Experian credit report regarding XXXX XXXX XXXX XXXX which is my car loan. I have a total of 4 late payments on this account but 2 are incorrect which are late payments from XX/XX/2018 and XX/XX/2018. According to my XXXX/XXXX  credit reports I should only have 2 late payments from XX/XX/2018 and XX/XX/2018 which is a total of 2 late payments on each credit report, so I'm not sure why Experian is reporting 4 late payments even after I sent documents supporting my dispute from both XXXX/XXXX. This is my 3rd attempt to try to get this inaccurate information removed from my Experian report. In the attach documents section I will enclose my Credit reports from XXXX ( Screenshot 10 ) XXXX ( Screenshot 11 ) Experian ( Screenshot 13 )

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 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
We started our application with PenFed 60 days before closing ( XX/XX/20 ) on a new house that we were building as this was the earliest we could start with them. XXXX is who we worked with for the application and he was great. Super responsive and helpful. Then we got handed off to XXXX and everything went downhill. We received an email on XX/XX/20with the next round of documentation they needed. On XX/XX/XXXX, I emailed XXXX that we were having trouble getting access to the IRS site for some of the information that we needed and asked if there was anything we could provide in it's place. We never received a response to this email. We were able to get the documentation and uploaded it to their loan portal. A week later I gave XXXX a call and left a voicemail. Two days later I tried to call again and when there was no answer, I called the escalation contact on her email, XXXX. No answer, no call back. Next I tried a main line for customer service and ended up talking to someone that said they would email XXXX and her manager. I had already tried that. Kept calling back and eventually got someone that was helpful. XXXX must have left PenFed because XXXX had a new manager. That manager also never called me back. Eventually XXXX returned to work and notified us she had been out of the office. We couldn't get any help because one person was out of the office. Okay, at this point we have two weeks. I work for a bank, I know what you can do for a customer if you really want to. We need an appraisal and that was it. I ended up calling the appraisal company and they told me that the bank could put in a rush request for the appraisal. At this point, PenFed should have been responsible for that but we were willing to pay for it to get it done. PenFed wouldn't even put the request in. We were left scrambling to try to pay in cash, taking out 401k loans for both my husband and myself, which costs money. We have dogs and had no where to go to wait for the loan to close. This was one of the most stressful situations we have been through. No communication from PenFed. When I asked what our options were and how they could help with refinancing, no response. I filled out the surveys they sent, got a call back on one of them and told her our story. No response. As you can see in the attached, XXXX even says that it didn't help that she was out of the office. This is terrible management.

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 2021-02-20 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: FL

Complaint narrative:
After reviewing my credit report, I found numerous accounts listed that are NOT related to any transactions made by me. This was a result of malpractice or an error.

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 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I found numerous accounts listed that are NOT related to any transactions made by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CO

Complaint narrative:
on XX/XX/XXXX I purchased a prepaid netspend card from XXXX XXXX. I loaded XXXX dollars onto the card and payed the XXXX for the activation fee separately. The card advertises that one can set up their account in 3 easy steps. After adding my ss # I was directed to customer service and asked to upload my documents. They wanted me to upload pictures of my drivers licence, s.s card and proof of address just to activate my card. I was told it would then take up to 14 business days to allow me to have full access. I told them thats ridiculous and why are they asking me to verify these things for a card not yet activated or attached to me at all whatsoever at that point. 
I felt they were trying to steal my identity using my money to do so. Eventually 3 days later I contacted a supervisor who told me she would just refund my {$300.00} minus a {$15.00} dollar fee for the refund. 
She said it would come to my address in a paper check. 
I verified my address and verbally gave my information over the phone. 
It matched up with my previous reported info they had in they're system. I was told just wait for it to come in the mail via ground shipping in just a few days. 

2 weeks later XX/XX/20 I called back to find out that the check was sent to an address that does not match mine and my name was mispelled as well. 
Again I was asked to upload my documents to have this issue fixed. 
After arguing for half the evening and repeating my issue to 4 different employee 's I was transfered to escalations where I could barely understand the employee through the obvious language barrie. 
I was told it would be fixed and I can call back for the update in 3 business days. Its again been weeks. Everyday is a struggle trying to get through to somone now. I can't get past the automated system to a live operator. The automated system requires me to enter my card # but my card was never activated therefore its not valid. The system automatically disconnects once my card number pings back invalid. On XX/XX/20 I was able to reach a supervisor for netspend who literally hung up on me when I asked why a financial institution would send my money to the wrong address and misspell my name when the very info required for verification is indeed correct in their system already on file from a previous prepaid netspend card! 

I have been scammed! I don't understand how this could happen after all these years and I purchased it at XXXX XXXX  grocery 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