vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On or around XX/XX/2018, I contacted Portfolio Recovery Associates, LLC to inquire about them honoring a settlement letter I received from them in regards to my XXXX  debt account # ending in XXXX. After spending almost an hour on the phone with the representative, we agreed to auto debit my account for {$570.00} instead of the {$1200.00} owed. I received a my confirmation letter, checked my account a few weeks later and realized my account was not debited. I sent the agreed amount of {$570.00}. Rather than reporting to the credit bureaus that my debt was settled or closed, they reported it as a payment still owing {$700.00} which negatively impacted my credit score. When I spoke with the representative, he stated that the debit did not go through and they weren't honoring the settlement. He could not tell me why the debit wasn't processed, although I have proof that the funds were in my account and available. He refused to honor the agreement. I believe that Portfolio Recovery never intended to honor the settlement and it was a fraudulent collection tactic. I can provide a copy of my money order stub and bank statement as well reflecting fund availabilities for dates preceding and proceeding my call to Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/19 - I was trying to pay my mortgage for Bank of America online and a pop-up came up saying there was a breach from XXXX and BOA was recommending for me to do a free credit check and to click on a link. I did and it went to XXXX XXXX website who said they would run a free credit check from all the 3 main credit reporting companies. I gave them my SSN, DOB, email, phone #, etc and then a page asked for my credit card. Then I believed this to be a scam. I'm concerned that I gave them my SSN/DOB. BOA should not allow me to be scammed thinking they were breached and going to that website.

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 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i got a letter saying i still owe on a account that i NEVER HAD! and expect to pay it back i have a lot of fraud on my account

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
4 years ago I sold my home in XXXX, NC and moved into a new one in XXXX, NC. I hired a moving company to pack and move my personal belongings. When we moved into our new home, we had XXXX come and install TV, Phone and internet ... .same as in my former home. 

I then began to received calls from XXXX about modems. Heck, they brought and delivered them to me at the XXXX address, I'd called to cancel service and I assumed that THEY would come to retrieve said modems. 

Now began threatening phone calls and I finally found said modems at the bottom of a box my packers had shipped to me. I pulled out said modems, drove to another town and turned them in. I specifically asked the manager of the store is there was anything else required of me. Meaning my cable bill was paid and they had their precious modems. The answer was NO. 

I have had to reason to look at my credit score until recently and have discovered that using the XXXX score, my credit is only in the high XXXX 's! I have no debt other than a mortgage with my wife ; my car is paid for and for credit I ONLY use XXXX XXXX. I typically carry a 6-figure balance in my CHECKING ACCOUNT and now I'm seeing I'm being bashed over this XXXX issue. My mortgage lady says that this XXXX issued is bashing my credit. 

I want it removed ... end of story

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber is currently withholding over {$65000.00} in insurance proceeds that are suppose to be used to rebuild my home. The claim is over {$100000.00} and they have stated that to distribute any additional funds an inspection and 50 % completion and inspections is required. I am not sure how it would be possible to be 50 % complete in a $ XXXX project with only the {$40000.00} that has been distributed furthermore. They recommended that I schedule an inspection to demonstrate progress, I took there advice, that inspection has now been canceled three times. I have never felt so hopeless in my life, caliber should not be allowed to write mortgages if they can not service them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: NH

Complaint narrative:
I received a call from XXXX, NV at XXXX on XX/XX/19 regarding my student loans. I had recently been in my account trying to set up a new payment plan, so I didnt think it would be a scam. They left a message with a reference number and I called back and spoke to a woman XXXX who was telling me about a predator loan and I could qualify for less of a payment. She asked me to verify my social security number and reset my password on the FSA website. She had said they were the FSA. I was telling my mom about it while I was on the phone with XXXX and my mom said it sounded like a scam. I looked up the number in XXXX and found that it was. Now Im stuck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: HI

Complaint narrative:
The company has added all types of fees to each of my accounts, hundred of dollars. When I ask for a itemized list of charges, they send a total of what I owe, that is it. They ignore my letters and phone calls. They have lied in court about total amt. of debt. I have received nothing but false totals since I started with them. I just want correct totals so I can pay and close the files and start anew. Please help, nothing I say has changed this company policy on how they go about collecting there debts. I have been paying monthly and still they garnished all bank accts. even my childrens ( where they got the bulk of monies ) and them while paying monthly still went ahead and garnished my wages. This is bullying me to pay more money then I have. Not a nice company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WA

Complaint narrative:
I received a missed call from XXXX at XXXX on XX/XX/2019. I returned the call 10 minutes later. A robot answered and asked if I was ******* *********, press " 1 '' for yes. I pressed " 1 '' for yes. Then I was transferred and a gentleman answered the phone, said this was MSR Associates and asked me why I called. I said I just missed a call from this number. He asked me if the call that I missed asked me for me by name. I told him it didn't but when I called back it asked me to confirm my name was ******* **********. He said great now can you tell me your address to verify your identity. I said no, I do not know who you guys even are, who are you? He said that is was okay to not verify but that we can no longer proceed and then he hung up. 

I then researched the company and found out it was a collection agency. They did not tell me that during the phone call. I researched further and went into my credit reports and found nothing in my credit reports. I checked XXXX and XXXX. That leads me to believe that they are attempting to collect money I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the XXXX XXXX XXXX XXXX {$470.00} with the creditor and they have failed to supply me with debt validation through the Consumer Federal Protection Bureau # XXXX for this debt you are reporting 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 2019-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a credit score of XXXX or better. A charge to a forgotten XXXX credit card was never billed for 3 months. My husband found the charge while making payments on another account. We were never notified about the original charge of {$10.00}, that ballooned to {$23.00} in 3 months. The charges were eventually dropped with XXXX, but the damage is done with my credit. 
I now have a XXXX score. That is not fair. I've worked very hard to maintain any and all of my accounts.

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 2019-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello I had a citi bank Best Buy credit card back 2017. I had this card for 2 years and never missed a payment. I have received 3 credit increases, due to making payments on time. My last payment I had with credit card was this year. I was 1 week late to make a payment and was promoted by email. I have immediately paid after receiving that notification online. I have received confirmation, I have seen my money sat in my account for 2 weeks. I have called in and see if payment was made, I proceed to give them my confirm number for proof. Everything went threw. Then 3 weeks after I have received a notification that payment bounced/ reversed. As soon I was notified I try to pay it back and try to call in to do a payment. By that time the credit card already closed my account. I have not receive any closer statement or prior notice to this. I have reviewed the disclosure documents and no one does it say that if payment not made we can close your account with 1 month if non payment. Made every payment on time and havent done anything I broke their policy. Looking to have my account just reinstated to use.

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 2019-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received my statement in the mail for the previous statement period for my XXXX Visa credit card ( issued by Comenity Bank ) and noticed that an unusually large portion of my payments throughout the statement period were applied to my promotional balance transfer ( with a 0 % APR ), rather than my purchases. Upon calling the customer, I learned that they only apply purchases to purchases made in the previous statement period, even if you make purchases in the same period you make payments. Because of this, I made {$430.00} in payments to pay off the {$430.00} in purchases I made, not knowing they would not be applied to my purchases. Comenity was able to reallocate some of the money I paid back to my purchases from my balance transfer, but I feel that my payments should be applied to purchases which will accrue interest before my balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: VA

Complaint narrative:
I have attempted to have numerous discrepancies corrected through the credit reporting agencies and recently decided to go directly to the creditor. After years of going back with XXXX XXXX XXXX, they finally found the proof needed to document the account as fraud. In XXXX XXXX sent notice to all three reporting agencies asking the account be removed from my credit file, and Equifax, unfortunately, still has this account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
on XX/XX/XXXX i went to purchase a vehicle and came to aware during the financing process that a delinquent account from SYNCB/BELK is in my credit report for the amount of {$4100.00} which is not opened by me or no knowledge about this account. i contacted the bank fraud department and made a complain about this unknown account and the address used to open the account. The account was opened on XX/XX/XXXX using the address XXXX XXXX XXXX Ct, XXXX  XXXX which is not belong to me. Following that bank instructed it may take 30 days to resolve the 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 2019-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove these accounts, I have sent a copy of my report from XXXX that shows 2 accounts with XXXX XXXX were deleted because the bureau was not able to verify, also shows 2 accounts under XXXX XXXX also have been remove, all since XXXX ... ... 3 letters later and yet TRANSUNION or XXXX have done nothing, XXXX has failed to provide me for a release form where I signed to release my XXXX ( which is in hippa violation ).

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 2019-06-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The accounts on my credit report do not appear to be mine. There are also missed payments that are inaccurate.

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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A.
State: WI

Complaint narrative:
I received a letter from the law offices of Scheer, Green & Burke , Co. L.P.A. dated XX/XX/XXXX to collect {$200.00} on behalf of the City of XXXX Camera Violation for an violation they claim occurred on XX/XX/XXXX. 

I have a couple of issues with the debt collection : 1. It is a 9 year old claim and should be well past any statute of limitations 2. I was not the  driver of the vehicle at the time of this alleged violation. 

Requesting your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 my husband XXXX XXXX went to TD bank to pay a negative balance on our account. XXXX XXXX asked one of the tellers if he can use my debit card to put money on his account to pay off his negative balance. I was outside in the front of the bank on the phone. I happen to walk in and the teller said his name isnt XXXX XXXX. I told her Im XXXX XXXX and she asked for id which we gave her. She looked at the ID And looked at the debit card and looked at me and asked us what is it that we wanted to do. XXXX XXXX explained to her again. That he wanted to use my card to pay the negative balance on his account. Durning the entire conversation she wouldnt look at my husband who was speaking to her. She was just giving me eye contact. She said she process the payment and it was decline. She was extremely rude still no eye contact with XXXX. She came back with no receipt of proof that is was decline. she was talking to my husband without eye contact again. I didnt believe she even really swiped the card. After she said it was decline my husband asked her to put in a lower amount to see if it would go through.She automatically said no she cant do that and pushed our IDs and debit cards back to us. After my husband went to their atm right outside the door. XXXX put my debit card in to see if he can withdraw money. XXXX XXXX was able to withdraw the money from my debit card that she said declined, and was able to deposit the money into the TD bank account. I feel she was discriminating against us because we are XXXX customers. She was rude the entire time, And we check my bank statement to see if she attempted to take out the amount that was asked, to see if it declined. No transactions were shown other then the one my husband took out himself. So it kind of looks like she lied about even trying to take the money out. Im disappointed in being treated in such a manner with my husband. I will like to go further with actions being taken against the bank teller. We dont know the bank teller name but we do know how she looks like. I wonder how many others she discriminated against the same way as ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The accounts on my credit report do not appear to be mine. There are also missed payments that are inaccurate.

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 2019-06-03 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: NY

Complaint narrative:
The accounts on my credit report do not appear to be mine. There are also missed payments that are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/2019 XXXX XXXX was paid in full. I received a paper from them stating that I have a XXXX balance with them and I have certified copies from the court house stating the judgement was settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 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: MS

Complaint narrative:
I have been watching my credit scores on XXXX XXXX for 10+ years daily. My scores on both Transunion and XXXX have stayed within 710-730 range the entire time and fluctuate weekly @ 10 points depending on what's been paid etc.

On XX/XX/2019 my XXXX score soared up 85 points. On that same day Transunion only increased 7 points, but that was because 2 cards totaling roughly @ {$3000.00} was paid down. Transunion never reflected the score increase associated with that bankruptcy being removed. When I called Transunion and got up to the special department for that they still said that it automatically calculates, but it obviously did not. They referred me to the FTC and their site referred me here.

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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been incarcerated for 10 years, which would be XXXX. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation