vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As of XX/XX/XXXX XXXX XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : XXXX ID # XXXX completed a forbearance on my account that started XX/XX/XXXX and ended on XX/XX/XXXX. 

XXXX ID # XXXX completed another forbearance on my account that started on XX/XX/XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XX/XX/XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX  XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.

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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/XXXX XXXX  XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX   XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XX/XX/XXXX XXXX XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.

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 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Bought condo time share from XXXX through commenity bank. Bought XX/XX/2018. Paid balance XXXX when funds transferred. Next bill showed full balance still. Next statement showed late fee paid. Next statement late fee still showing. Next statement new late fee and added interest from original contract. Paid original contact only new fees added. Offered to pay fees but not interest. Company refused even though I was obviously trying to pay. Also statement came in as XXXX not commenity so got mixed with other XXXX mail. XXXX shows paid in full. They reported current in XXXX then reported late again so keeps hitting report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was shopping for a new kitchen in XXXX XXXX. I stopped at a kitchen cabinet supplier and selected cabinets, counter tops and Back splash. I was told by the owner that they had special financing on complete kitchen remodels that was no interest for 18 months. 
I thought this was a really good deal. I thought I was getting a one time loan of XXXX for the purpose of a kitchen remodel. I did not think I was getting a credit card loan with revolving credit.. 
Once my credit was approved, the Contractor ordered all the cabinets based on their measurements. The contractor arrived on XX/XX/XXXX and installed approximately 75 % of the cabinets before realizing they ordered the wrong sizes and had no choice but to stop the work until the right cabinets could be ordered. The kitchen is incomplete and the workmanship is completely unacceptable. I stopped all work and cabinet orders in writing on XX/XX/XXXX. 
The XXXX loan with Synchrony Finance is now formally in dispute. I have reached out several times to Synchrony Finance and I have expressed deep concern that I do not have a functioning Kitchen, and it appears they have paid the Contractor the entire XXXX. I now have a non functioning kitchen and an outstanding loan of XXXX. 
I simply don't have the resources to move on with another Contractor until this dispute is resolved. I am a XXXX, and its important that I prepare healthy meals at home. I have not been unable to do this since XX/XX/2019. Please help!!

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 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I contacted XXXX about a relocation estimate. They were among several moving companies I contacted for cost and other details about my move from XXXX XXXX, MA to XXXX, OR. I did not solicit their services, but made the mistake of providing them my Capital One credit card details. 

I never contracted with XXXX XXXX XXXXXXXX. Instead I contracted with XXXX. They are now managing relocation of my household. 

I originally called Capital One to dispute I found on my mobile app when I found it. That was in middle XX/XX/XXXX. I thought the matter was taken care of ; the dispute had been remediated. Not so, since the bill again emerged onto my account on XX/XX/XXXX. I again called Capital One to inform them I was being billed for a moving service that was never rendered me. That seemed not to matter with the individual in their dispute center with whom I spoke today ( XX/XX/XXXX ). 

Long story, short, I am being charged for a {$1000.00} invoice for a service I never received, which I believe breaches the integrity of the customer/merchant relationship, in which Capital One is duplicitous!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX DRS ( direct recovery service ) left a voicemail on my sisters phone without my permission which disclosed my personal information without my consent! The first time I called back XXXX answered I asked for the name of the company he refused to tell me and hung up in my face I never even got to what debt they were calling in regards to I was so upset theyre disclosing my information on voicemail!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV has appeared on my credit report for alleged debts owed. I have written multiple letters requesting validation of debt, including original contract, signature, amount owed, etc and they only respond with summary of what is already on the credit report, no real information, nor the information requested. Additionally I was surprised with a wage garnishment from one of them when I had NEVER been given a dispute opportunity much less the opportunity to go to court and dispute anything or even ask for proof of debt in court which I am confident they can not provide!! To make matters worse since the garnishment was put in place they are still reporting to the credit agencies late fees, interest etc and total is increasing regularly. I have now paid almost the entire thing off via garnishments and they are not reporting said payments, only increasing the amount. 

The garnishment paperwork sent to my employer also required them to send over my bank name, account number and routing number which they even said in 30 years they have been doing garnishments, they had never been asked for. I have written, called and emailed LVNV, the lawyers in OK handling the case asking why I was never informed, asking for proof and wanting to know why my personal bank information was required to be shared and I can not get a response. 

I feel like my hands are tied since it already went to court without me and I am already being garnished but can not help but feel they are doing alot of illegal activity or at the very least immoral. None of the rules have been followed, my personal banking information has now been shared and none of my payments on this alleged debt are being reported. 

Since this has taken place it appears as though LVNV is now on my credit report a total of 3 times, 3 different amounts reflecting due with 3 different account numbers. I have written them ALL requesting the validation of debt with contract, signature, etc and have gotten nothing back. How is it they have so much power and can do so much damange and not be held accountable and still be in business as shady as they are and we have so very little power to do anything about it? Not everyone can afford lawyers to fight these times of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CT

Complaint narrative:
In XXXX, someone started using my Discover credit card. Purchases were made in a company called XXXX XXXX XXXX XXXX and then the card would be paid off. Discover never called me to authorize the charge but they would freeze my card if I wanted to use it at XXXX in my local town. My card was then used in XXXX internationally and they called me and sent me a new card. Discover called me and said that my card had been used fraudulently and we discover all the charges that had been made. Charges were made and then payments were made for the same amount. All the payments returned in XXXX leaving me with a balance of XXXX in my card. My credit card limit is XXXX. My daughter was the only one with access to my account starting in XX/XX/XXXX. In that month I was hospitalized because of a XXXX XXXX that I have, and then in XXXX we both discovered both of our accounts had been compromised. Now ever since XXXX, Discover has been investigating the account and has said that I am still responsible for the amount hurting my credit. I am not able to buy a home which I have always wanted to do due to this high balance in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
During XX/XX/XXXX, I applied for a mortgage with TIAA Bank. My home was under construction and was expected to close in XXXX. I paid for a 6 month lock {$3300.00} with the promise it would be refunded at closing and also applied under the REST program at TIAA. 

XX/XX/XXXX, I received notification that my loan was now under a new loan officer. Loan officer XXXX XXXX, was unable to provide information on the existing REST program as well as financial information regarding loan. 

Closing was set for XX/XX/XXXX, repeated calls and emails to XXXX went unanswered regarding status of loan approval. Up until XX/XX/XXXX, ten days before closing, I had no closing information or approval or any sense of the status of the loan. 

I believe TIAA had no intention of closing the loan and now is refusing to refund the {$3300.00} that I paid in good faith. 

The main call line leaves message for XXXX and his manager but no information is forthcoming regarding the status of my request. 

I believe the retail mortgage spin off was a fraud and there was never any intention of closing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: GA

Complaint narrative:
I was charged an overdraft fee even though the transactions didnt get paid. 
One on XX/XX/2019. 
One on XX/XX/2019 XXXX each for a total of {$70.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY # XXXX has re-inserted an debt that 1. Has been previously deleted 2. I Do not Owe 3. NOTIFIED me after the debt was placed on my credit. 
4. failed to verify this debt. 
All of these actions violate FCRA FDCP statutes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax continues to report a closed account issued by XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

Equifax previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$490.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX ( opened XX/XX/XXXX ) ; and XXXX ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, Equifax has since relisted the accounts as belonging to be with has negatively affected my credit and finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I was charged for medical expenses that were paid for by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am an ITIN recipient. I am in the process of buying house with a HUD certified housing agency called XXXX XXXX XXXX  in XXXX, IL. 

Through a bank called XXXX XXXX, a credit report was pulled to pre-approve me for a mortgage. Through an XXXX credit report, I discovered an error. My neighbors credit cards from XXXX XXXX  are present on my credit report. 

I've gone to XXXX personally with my neighbor to get assistance with the error. XXXX refused to write me a letter stating the error that I can give to XXXX XXXX so they don't count the large debts against me. 
XXXX XXXX refused to write me a letter or help me in any way. I then contacted Transunion over the phone, I spoke to someone named XXXX, who said she can not help me because I have an ITIN number. 
At this point, I don't know where to turn for help. I am getting assistance from XXXX XXXX XXXX who has mentioned the help you give consumers like me. I really want to buy a home and I am almost there. This error is in the way of that. 
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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
They threatened to ruin my credit after sending me a collection notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently received my XXXX XXXX credit card statement issued by Comenity. On there was an interest charge of {$2.00}, My previous statement was paid in full on or before the due date, as has every statement I have ever had from XXXX XXXX. I contacted XXXX XXXX by phone and was first advised there was a television purchase on my account, and I told them there was not. Then I was advised I had purchased tires within the last six months, which I had indeed done, but I reminded them that I had paid that amount in full on the next statement. They then told be there was a promotional plan that recently ended in XX/XX/XXXX, but I told her that did not apply to me. She then told me it was a system issue that should be updated, and that programming was aware of the problem. I AM INFORMING YOU OF THIS PROBLEM SO THAT THE MILLIONS OF XXXX XXXX  CREDIT CARD HOLDERS ARE NOT INCORRECTLY CHARGED FEES THAT THEY SHOULD NOT BE PAYING. Comenity Capital Bank needs to be held accountable for this mistake. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against One Main for failing to correct incorrect credit reporting. I have two accounts with erroneous information reporting, for account number XXXX One Main is reporting late payments in XX/XX/XXXX and XX/XX/XXXX. I have sent letters and even got proof of payment was remitted electronically before the due date from my bank with amounts and dates still One Main has not corrected the error. My second account XXXX is reporting that late payments occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Again I got my bank to issue proof that payment was remitted electronically before the due date of the XXXX. Still One Main had failed to fix this account. I am requesting that the months in question for both accounts be corrected to paid as agreed immediately for all three credit bureaus. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am trying to buy a home and when the lender pulled my credit they are indicating that there is a judgment reporting from someone by the name of XXXX XXXX. I haven't spoken to that person in over 8 years and then all of sudden a judgement listed on a report? I have never even heard of lexis nexis until my lender told me. I was told this was back in 2012 which after looking at the FCRA it shows that public records other than bankruptcies are only to report for 7 years but this is past 7 years.

Company response to consumer: Closed with explanation