vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Over two years ago I had two Comenity Bank cards. XXXX rewards XXXX and XXXX XXXX. I was never late in fact I paid my balance in full but for whatever reason comenity bank has placed me on a blacklist. Every time I try to apply for one of their cards they declined based upon a glitch in their system. There are reasons for Declining me are as if I had a bad debt or paid late ( None Could Be Further from the truth ). I would like comenity to release my entire payment history on both accounts to CFPB and explain why they keep declining me credit When theyre not even basing my credit for a decision but its an internal decision which is a glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have a PayPal account. I had a balance of {$290.00}. On XXXX XXXX, 2020, I logged in to the account to transfer the money to my bank account. The money was gone. I contacted PayPal. They stated I had transferred the money to a VISA card ending in XXXX. I contacted them again advising I did not transfer the money and did not have a card, VISA or any other type, ending in XXXX. PayPal has continued to insist that I transferred the funds. Upon further investigating. my PayPal account showed a phone number XXXX. I XX/XX/XXXXthe number and it showed it belongs to a XXXX XXXX in California. I do not know this person nor have had any contact with them. Also, the recording at PayPal said I needed to verify a XXXX email address. I do not have a XXXX email address. I had one approximately 20 years ago. I use XXXX and XXXX mail now. I contacted PayPal again with this information and they still insisted that I transferred the money. I sent two letters dated XXXX XXXX, 2020, mailed XXXX XXXX, 2020 and delivered XXXX XXXX, 2020, at XXXX XXXX. As of today, PayPal has not sent the information concerning the unauthorized transaction. This is an unauthorized transaction or identity theft. PayPal has been uncooperative. I would appreciate any assistance you can provide. I filed a complaint with the XXXX  yesterday. I plan on filing a police report, a complaint with the Attorney General Offices for XX/XX/XXXXand XX/XX/XXXX, XX/XX/XXXX and any other agency that can assist me. Please help. I did not authorize the transfer. This is an unauthorized transfer and/or identify theft. Someone has my personal information and I need to know so I can prevent further theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS is the servicer of my loan I didn't have to pay my mortgage for three months due to covid-19 when I started back paying my mortgage I notice on my statements my escrow account and the principal account was in the negative and my principal balance was going backwards meaning every time I paid my mortgage my principal balance is going higher and everything else is going higher in the wrong direction in the negative. 
All I ask them for was a modification to lower my interest rate from 11.29 % especially now when the national interest rate is 2.29 % at this time. 

Also, why don, t I have a ( VOM ) verification of mortgage available to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2020 I decided to open a Citibank secured credit card with a {$600.00} credit line. Unfortunately the card went missing and fraudulent purchases were charged to the card I have been trying to rectify this with Citibank since than But they refuse to comply with their fraud policies. Since then they still have my {$600.00} in the account is in collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: FL

Complaint narrative:
Hi CFPB, I recently had an account with Comerica Bank which was closed on XX/XX/2020. However, on the day that Comerica had closed my account, I had transferred {$500.00} from my XXXX XXXX account to the Comerica Bank account, which successfully was withdrawn from my XXXX XXXX account. Comerica Bank, on repeated occasions, has denied having ever received my {$500.00} and has been extremely uncooperative in helping me locate where the money is. They have also refused to work with XXXX XXXX  and will not reach out to XXXX XXXX to resolve the matter. 

As of today, XX/XX/2020, I have not been credited back my {$500.00} to my XXXX XXXX account as XXXX let me know that Comerica has not returned the money that was transferred to Comerica on XX/XX/2020. If the CFPB can help to look into this matter and help coordinate the return of my {$500.00} between Comerica and XXXX, that would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XX/XX/2020 i sent letters out to the credit bureaus to verify inaccurate information reporting on my credit report. after waiting for 60 days for a response which never came i sent another letter on XX/XX/2020 asking the credit bureaus to reply to my request to verify the information on my report. it is now XX/XX/2020 and i still have not received a response from either credit bureau. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus are clearly violating my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: PA

Complaint narrative:
on XX/XX/2020 i sent letters out to the credit bureaus to verify inaccurate information reporting on my credit report. after waiting for 60 days for a response which never came i sent another letter on XX/XX/2020 asking the credit bureaus to reply to my request to verify the information on my report. it is now XX/XX/2020 and i still have not received a response from either credit bureau. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus are clearly violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When we first serviced our mortgage loan on XX/XX/2015 with XXXX XXXX, all was apples and cherries. They quickly turned around and sold our loan to XXXX XXXX. I received information from XXXX XXXX as our mortgage provider come XX/XX/2015 and began paying mortgage to XXXX XXXX. 
I followed all instructions, and on XX/XX/2015 I received information from XXXX XXXX stating our loan is deliquient and collection will be ensued. It took a long time for me to be able to reach a live person and actually spoke to a manager. I was finally able to secure that and received a letter and confirmation from XXXX XXXX stating they no longer hold our mortgage loan and was sold to XXXX XXXX. 
Today, I am reviewing my credit reports. I see that on equifax the information is not reported correctly. On XXXX and XXXX it is correct. Equifax clearly states my first deliquent with XXXX XXXX was XX/XX/2015. There are no records indicating my account was closed/transferred and sold. It looks like I still have an outstanding balance of XXXX. 
This affected my husband and my credits for the past 5 years.. and WE WERE NOT AWARE of IT!!!! OUR CREDIT SCORES HAVE BEEN IMPACTED, AND WE ARE NOT ABLE TO REFINANCE OR WHAT NOT. This is NOT OK. I NEED PARKSIDE LENDING TO REMEDIATE THIS SITUATION IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

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 2020-11-28 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: CT

Complaint narrative:
the information being reported on my credit report is incorrect. 
it's a few days short of 30 days and i have not received any updates on my fraud dispute letters. 

This Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX Account # XXXX Date Opened:XX/XX/XXXX Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX 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 2020-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ). This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
The XXXX XXXX XXXX sold my debt to Hunter Warfield and the amount they are trying to collect is inaccurate. I originally owed XXXX XXXX XXXX  {$5700.00} when I was taken to court and when I moved out. Hunter Warfield is trying to collect from me {$12000.00} which is an incorrect balance that I never owed to the original creditor. The inaccuracy of this balance is accruing interest everyday which is terribly hurting my credit profile and preventing me from renting out from landlords and property 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 2020-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is now my fifth complaint. For weeks and weeks we have asked the Bank of America to lower our monthly car loan payments to {$500.00} because of the novel coronavirus pandemic. We are senior citizens with very serious medical conditions that place us in the HIGH RISK CATEGORY of contracting the deadly and highly infection novel coronavirus! Therefore, we can not work. Mrs. XXXX had to quite her job because of the novel coronavirus. 

We have repeatedly explained all this to the Bank of America but the Bank of America refuses to help us! So very, very cruel of them! 

We are making monthly payments of {$500.00} and shall continue to do so until the loan is paid off! 

We have even suggested to the Bank of America that it raise the interest rate on the loan. 

The difference between the original loan payment of {$770.00} and {$500.00} is {$270.00} per month. Surely the Bank of America which is one of the largest and wealthiest banks in the USA if not in the world can bend a bit and help us out!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. 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 ifentity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: PA

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. 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 ifentity theft affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: PA

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. 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 ifentity theft affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: MO

Complaint narrative:
I was not aware of this bill until, XX/XX/2020. When I ran my credit is when I found out that I owed an amount to XX/XX/XXXX ( XXXX XXXX ). I immediately called the creditor collectors, Contract Callers incorporated. I spoke with XXXX XXXX, a CCI representative. I explained to Mr. XXXX, I was unaware of this bill due to XXXX XXXX and XXXX XXXX and that I would appreciate the opportunity to pay this debt. I also explained that I was on XXXX and receiving limit funds., Mr. XXXX reduced the amount to {$480.00}. Mr. XXXX assured me I would have the opportunity to pay the bill without hassle from the collection agency CCI. I was promised the debt would be temporarily removed from all 3 credit bureau 's because I was never contacted and I was unaware of this debt. Mr. XXXX informed me that they did not have a current address for me and this is why I had not received any mailings. We ended the call with the agreement I must pay {$100.00} by the next Monday, XX/XX/2020. It was to my understanding, that if I paid this in full in a timely manner, the debt would be removed from my credit along with all negative reporting that was incorrectly reported, because I was completely unaware and had not had the opportunity to pay. 

payments XX/XX/XXXX {$20.00} paid XX/XX/XXXX {$40.00} paid XX/XX/XXXX {$55.00} paid Our agreement was met. 
XXXX XXXX {$100.00} paid XXXX XXXX {$19.00} paid XXXX {$45.00} paid XXXX XXXX {$39.00} paid XXXX XXXX {$19.00} paid XXXX XXXX {$150.00}. paid in full. 

This debt was a priority to me and I immediately went to great lengths to make sure it was paid by their guidelines and quickly. 

I have disputed this debt repeatedly on all 3 credit bureaus to no avail. CCI has failed to list any of my payments, diligence or that this account is paid in full. I have contact with them several times by phone, email and written correspondence, only to be back at the same spot I was on day one. 

I would like this debt and all false reporting of late payments and derogatory reporting removed in full as promised. To this date this account is paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I will retire in XXXX, but Navient ; due to their charging me INTEREST ON CAPITALIZED INTEREST, will cause my student loan payoff at end of XXXX ( 7 years later )!! THIS CAN NOT BE LEGAL! I have seen there is a Civil CLASS ACTION Suit Against Navient. I WANT to be part of this Lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: GA

Complaint narrative:
On XX/XX/2020 I disputed information on my credit report I waited the 30 days they sent me a letter saying it had been verified. So I contacted the court and they sent me a letter saying they didnt verified it. So I sent the letter asking how did they get their information from and to send me the verified information they refused and said it was verified. I never received how it was verified nor did they send any information and today it remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: GA

Complaint narrative:
On XX/XX/2020 I disputed information on my credit report I waited the 30 days they sent me a letter saying it had been verified. So I contacted the court and they sent me a letter saying they didnt verified it. So I sent the letter asking how did they get their information from and to send me the verified information they refused and said it was verified. I never received how it was verified nor did they send any information and today it remains on my credit report.

Company response to consumer: Closed with explanation