vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
There is a company, XXXX, that has been continuously doing {$88.00} biweekly ACH transactions against my Simple   bank account, even after I've revoked their authorization and cancelled my subscription. I followed XXXX 's revocation process on XXXX. On XXXX they charged my account anyway. I contacted them on XXXX again to revoke authorization and on XX/XX/XXXX they charged my account again. I have tried calling that company and they just hang up on me. So on XX/XX/XXXX I initiated a dispute with Simple bank. I explained the situation and requested the money be returned to my account. I also requested that they block future ACH transactions from XXXX. They agree to put in a block request. Then on XXXX my account is debited again by XXXX  for another {$88.00}. When I ask Simple why they were able to do that even though they were blocked, they said that they didn't have a chance to process the block request! They then told me I had to add that charge to the other two, and complete the dispute process. So I did that. Per Electronic Funds Transfer Act they have 10 days to complete the dispute or if it is going to extend longer they have to offer the provisional credit for the full disputed amount ( {$260.00} ). I requested the provisional credit and was told know. DESPITE the fact they didn't even start the process until yesterday when they sent me paperwork. They've had the dispute on file since XX/XX/XXXX, with me asking for updates every few days, and just the last few days decided to follow up on it. AND told me no provisional credit. So I copied and shared the EFTA section detailing the dispute process. Then they put a {$500.00} hold on my account, so that even if they DO offer the {$260.00} provisional credit as required, I won't be able to withdraw it because they are showing me - {$500.00}. 

I had deposited a check from my cousin on Friday for {$500.00} and they placed a hold on that. I'm not sure if the check was returned and that is the reason for the additional {$500.00} hold but I shouldn't have another {$500.00} hold for the same check that they already put a {$500.00} hold on. I never received funds on that deposited check so why would they hold an additional {$500.00} from it? It feels like they got irritated with my complaints and decided to hold another {$500.00} so I couldn't access anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
I explained that this I have addressed this matter with the doctors billing that I have reached out to them no response and that I would not be speaking with them on this matter again they have continued to call and hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 360 Mortgage Inc.
State: LA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX I sent a correspondence to XXXX at 360 Mortgage, Inc. I'd spoken to XXXX earlier that day after visiting the companies website to file a complaint about the service I was experiencing at the time. I've emailed this gentleman one more time since the initial correspondence and have not yet received an answer as to what went on with my loan application. My credit was pulled by the loan originator at this mortgage company. I have all correspondences to the gentleman and the loan officer including texts. The initial email correspondence read : " On XX/XX/2019 I reached out to XXXX XXXX regarding doing business with your company. 360 Mortgage, Inc. came highly recommended by a friend and colleague for possibly getting difficult deals like mine done. 

XXXX and I corresponded via email and text messaging and I submitted all the items requested as soon as possible. When she pulled my credit, I hadnt yet lifted the security freeze off of one of the credit reporting agencies, but did so immediately upon learning from her that she was only able to obtain two of them. I learned last week that she still hadnt obtained a report from the third agency and thats when it occurred to me that my application probably wasnt being processed. I have all text and email correspondences between she and I. Im not sure where things went wrong but Im perplexed at how business has been handled. 

Thank you for reaching out so promptly and if there are any other questions or concerns, please dont hesitate to contact me at any time. 

Sincerely, XXXX XXXX ''

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/Experian & Attorney General/Consumer FinanceXXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in 2018 The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT :  {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 2019

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 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In XXXX of 2019 XXXX XXXX incorrectly charged me a disconnection fee, I am currently receiving their services. I spent 4 months on the phone trying to get them to correct this fee. Every time I called they said it was corrected but 2 weeks later they would send another bill. They sent this incorrect bill in early XX/XX/2019 to Credence Resource Management ( a collection agency ). This agency has continually been harassing me. XXXX XXXX finally gave me my long overdue credit but Credence Company continued to be rude, unprofessional and not willing to listen to me when I called them to say I did not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I made a purchase at XXXX XXXX XXXX for {$7300.00} on XX/XX/2019. Store sales workers talked me into a credit card with a 36 month payment plan. I made sure to ask them about early payoff penalties and they said there would be no penalty. On XX/XX/19 I paid the balance off in full. On XX/XX/19 I received a statement with a {$21.00} fee. I contacted XXXX XXXX credit card that day through their Secure Message Center online.

I said " I see we have an amount due on our statement but we paid this card of over a month ago. We should not owe any more. '' The reply from XXXX XXXX XX/XX/19 " We will be happy to assist you today. The original purchase of {$7300.00} on XX/XX/2019, was placed on a 36 months low Annual Percentage Rate ( APR ) of 14.99 % with equal payments. Because the promotional plan offered a low APR, interest starts to accrue the date the purchase bills to the account. The finance charges will continue to bill until the promotional plan expires. '' My reply XX/XX/19 " To be clear, we are being penalized for paying off the purchase early?! That is not right. We have spent over {$25000.00} in the past 2 years at XXXX XXXX and would like to continue to BUT we will not if we are going to get charged interest on a paid off credit card. There was not supposed to be any penalty for early pay off. That is extremely sneaky of XXXX XXXX to pull that. Please get this resolved. '' The reply from XXXX XXXX XX/XX/19 " We certainly do apologize for any inconvenience or confusion this has caused. Please be informed that the finance charge is assessed to the account when you have a carryover promotional balance. The interest charged to the account is calculated on the average daily promotional balance. The only way to avoid the finance charge is to pay the statement promotional balance in full each month. Also be informed that the finance charge of {$21.00} is charge on your promotional plan of 36 months lower Annual Percentage Rate ( APR ) of 14.99 %. '' My reply XX/XX/19 " You realize that we planned on spending another $ 25K- $ 50K in the next 2 years at XXXX XXXX for ring upgrades and you will be losing us as a customer because of this sneaky fee that was not advertised to us when we signed up. You are losing two long time XXXX XXXX   customers for about {$570.00} ( the amount of the fees for the next 27 months )! This is terrible customer service. If this can not be removed, please give me a contact number and name for the next person in charge. I am completely outraged about this. '' They have not responded. I think this fee for keeping a " lower '' interest rate is a scam. I have no balance on the credit card, I am not using the " lower '' interest. I do not feel a fee should be charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DOVENMUEHLE MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX XXXX : {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 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 2019-10-09 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : Equifax/XXXX/XXXX & Attorney General/Consumer Finance/XXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 

XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of  the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dissatisfied with purchases, billing errors, late fees errors, phones calls, no valid responses from letters sent, accessing credit files and submitting errors to credit report agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX there were 4 charges to my bank of america checking account in the amount of {$290.00} from XXXX services. I called my bank upon noticing these charges and immediatley reported them as fraud. as I have NEVER done business with this merchant. I filed a claim the funds were returned and i filled out an affidavit and returned to the bank to fight these charges. The bank them AGAIN took these funds which caused my account to go into a negative. I called the bank and they advised me that while this dispute was in investigation they would reverse all NSF and returned funds charges to me when the permanent credit was returned by the merchant.c I spoke to the merchant myself and advised them i have never done business or authorized them to pull funds from my account which they confirmed and returned my funds to my account on XXXX. Bank of america charged me a total of {$3300.00} in fees due to this and as of today XXXX have not returned a single one which they have told me numerous times would be done as i have been a customer since XXXX and my account is NEVER in a negative. I called last week and spoke to a supervisor who agreed all funds would be returned to me no later that 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 monetary relief
Consumer complaint received 2019-10-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent a validation request to collection agencies for an account on my credit report. I never received anything back in regards to the accounts within the 45 days allowed per FCRA rules. I then set a letter to TRANSUNION with the original letters to the collection agency advised to remove these accounts from my credit report as it has not been validated per request. TRANSUNION was the only company that didn't remove accounts, nor investigate, nor send a response back in regards to my request, and it has now been over 45 days for them 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 explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I get called every single day from this debt collector. Portfolio Recovery Associates calls my phone from different numbers every single day. I have told them to stop calling. This debt is from my ex-husband 's that he is responsible for since our divorce in XX/XX/2016. I have sent them my divorce decree multiple times but nothing prevails. This is harassment and I am not even responsible for the debt which was purchased from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I received a reward credit card from XXXX. The amount was {$10.00}. The expiration date on the card is XX/XX/XXXX. I didnt use the card for a year and when I tried to use it the card was denied because it didnt have a balance. When I called XXXX XXXX Reloadable Card # XXXX also registered in NY by the name of InComm Financial Services, they informed me that they have f charged me {$10.00} because I had not used the card although the expiration date is XX/XX/XXXX. I have the original reward letter from XXXX and nowhere on the letter or on the card does it state there are fees if you dont use the card before the expiration date. I realize {$10.00} is a small amount but this practice should not be allowed to continue. A card is valid until it expires like any other contractual agreement. One should not be penalized while a contract is still valid. I want my {$10.00} returned and further this is an example of extraordinary extortion by a credit card issuer which apparently they feel they can arbitrarily enforce.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation