vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am still having difficulty dealing with and securing information from XXXX XXXX  located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a BJs credit card charge off. I have called XXXX on several occasions to request information I am entitled to under both federal and state law with no success. This is my second complaint because the last answer received from XXXX did not address my main concern in my first complaint : VERIFY THE DEBT AND PROVIDE AN ACCURATE BREAKDOWN OF THE AMOUNT THEY ARE SEEKING! They simply stated that hey have provided verifications they received from the debtor. I have received the following in the mail from XXXX in my plethora of attempts to understand the amount they are seeking : 1. A billing statement from XX/XX/2019 2. A billing statement from XXXX of 2019 3. A billing statement from XX/XX/2019 These three random statements do not provide a breakdown of fees, interest, and principal balance ( or any other fees ). XXXX has also NOT provided the credit card agreement, any documents that bear my signature, and other assistance I have requested. There is no way possible for me, the consumer, to breakdown the figure of {$3200.00} to determine the validity of the amount. 

I am requesting, once again, a complete and accurate breakdown of this amount. It is clearly apparent that XXXX and their associates do not have this information in their possession. I am the individual consumer and I am at a huge disadvantage to solve this problem. 

I will be contacting U.S. Senator XXXX 's office in the morning to seek her assistance on this matter. XXXX 's last response was farce. This glib response was not only tolerated by the CPFB, but the compliant was closed out? Unacceptable and shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX  and experian has not deleted these creditors and it took them more than 30 days ... .XXXX  -XXXX  and XXXX  XXXX, 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 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This company is not being honest with what they have done with my money. This is my third complaint. As explained in the first two complaints SP Servicing held my account for one month when they bought it from XXXX XXXX. My first payment was due on XX/XX/2020. I paid on time as I always have. I also applied two payments to my principle. They took all my money paid and applied it to interest with some type of story how " my interest is compounded daily '' blah blah. They also tried to say that there was an error on how XXXX XXXX  processed my interest and they took the extra payments for that, but when I filed my second complaint demanding verification on what they error was lo and behold they couldn't tell me. So they stated that {$280.00} that they stole from me was sent back to me in my escrow check. Not true. You will see on two screen shots that all my money I paid to them in one month went totally to interest and when they were caught they moved my principle payments to escrow without ever applying them to my principle and look at the attachment! The {$280.00} they state was sent to me is guess what? Still sitting in escrow. When I called to inquire why this money was not returned to me I was told it was for " fees ''. Although they couldn't tell me what the fees were for during the phone call. SP Servicing stated that my account was under review and they would tell me in writing within 30 days. So now they must answer why they lied and told you they mailed this money to me as part of my escrow when in fact they did not. Lastly they owe me more money than my account shows, because they never applied my principle payments to guess what? Principle. Therefore, when they quoted my pay-off they overquoted what I actually owed. I need that reimbursed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
on this card credit i had a credit limit of {$3500.00} but i only owed {$3000.00}. I was closing on a house and the Title company mailed out a FULL payment to the company to pay off the full balance. And I explained this to the company that a full payment was being mailed by the Title company. They still report a late payment for XXXX and i should not have a late payment on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I received Solicitation either US Mail or Email for personal loan as I was having financial distress and needed cash fast. 

My original loan was made on XXXX XXXX in the amount of {$3700.00}. As of today, XX/XX/2020, I have paid {$2800.00} into this loan. 

When I asked NetCredit what my pay off balance was as of today, XX/XX/2020, they told me my balance is {$5300.00}. 

The interest accrues daily. How is this legal and NOT a predatory loan? 

I am concerned that I am unable to pay back XXXX in the near future and will continue to fall into deeper debt. 

Please help me. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
There is a collection bill on my XXXX  credit report from Choice Recovery since XXXX. This charge is actually for my ex husband, XXXX XXXX XXXX. I did not accompany XXXX to his XXXX visit, neither did I sign or agree to take responsibility for this charge. I started in XX/XX/XXXX disputing this with Choice Recovery advising them of this. On numerous occasions by phone, written correspondence & via their website u have requested that Chouce Recovery provide a copy of the invoice to prove that this service was for me. As if today, XX/XX/XXXX, they have not complied with my request. I asked that if they could not prove this charge was my responsibility to remove this collection account from my XXXX  credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: OR

Complaint narrative:
In XX/XX/XXXX, I started receiving letters from a MRS BPO LLC @ XXXX XXXX XXXX XXXX XXXX, NJ XXXX saying I owed {$17000.00} I know that this is a scam as I am well aware of my past and current debt and have had excellent credit for years. I sent them a response via certified mail requesting the original signed contract, the age of debt ( statute of limitations ), date of last activity and date of first delinquency and noted that re-aging is not legal. 
In XX/XX/XXXX, I received correspondence from MRS BPO LLC which consisted of 3 pages of hand typed columns with " {$11000.00} '' typed into each box with dates from XX/XX/XXXX - XX/XX/XXXX. 
The debt date is typed in as XX/XX/XXXX. 
A charge off date is typed in of XX/XX/XXXX. 
Date of last payment was typed in as XX/XX/XXXX. 
Date MRS bought the file was XXXX/XXXX/XXXX. 
Where my name and address should go, it listed a bankruptcy attorney 's name and address as : C/O XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, WA. 
XXXX XXXX is a bankruptcy attorney in XXXX, WA. 

This is not a valid debt. MRS BPO LLC needs to be fined. 
The lawyer who is referenced in the address bar is also suspicious and needs to be investigated - If XXXX XXXX has sold her bankruptcy client 's files, she needs to be disbarred. 

I sent a cease and desist letter today to MRS BPO LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Jormandy, LLC
State: VA

Complaint narrative:
My payday loan loan was with XXXX XXXX XXXX XXXX, I lost my job back in XXXX and was unable to pay the loan back. I tried to make good of the loan but did not know that they were out of business and fined {$15.00} XXXX and stripped of its state charter. A company that apparently bought the old debt after it went out of business has been trying to collect {$1700.00} ( Jormandy LLC ) on a loan that was initially in the amount of {$600.00}. They have placed a judgement on my credit report and it has been there for a very long time. The statute of limitations on this debt in the state of VA was 5 years in Delware was 3 years. It is now XXXX. How can I get this debt removed from my credit report as well as stop the company from contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/20, Comenity Bank made an unauthorized payment of {$620.00} on my account. This made my account turn negative and take my entire paycheck. I called and stated I never authorized the payment and explained our current situation due to Covid 19 and they hung up the phone on me, and have not responded to my emails. I did NOT authorize this large payment and they would not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: OH

Complaint narrative:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XX/XX/XXXX and SS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: OH

Complaint narrative:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XX/XX/XXXX and SS 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 non-monetary relief
Consumer complaint received 2020-04-01 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: TX

Complaint narrative:
After the Equifax data breach in XXXX I placed a freeze on my credit with Equifax, XXXX  and XXXX XXXX. On Tuesday, XX/XX/XXXX I applied for a COVID-19 Economic Injury Disaster Loan for my small business. In applying for the loan it was stated that my personal credit would be assessed for underwriting. I easily temporarily lifted my credit freeze with XXXX  and XXXX XXXX online. The online method for temporarily lifting a freeze with Equifax could not verify my identity and stated that I had to call their customer service number to proceed. After speaking with three different customer service representatives from Equifax, providing all the correct requested information and waiting on hold for over two and a half hours Equifax refused to verify my identity or temporarily lift my credit  freeze and at XXXX sharp the call was disconnected by Equifax . I do not know what to do. My credit is frozen with Equifax and they have completely locked me out of their system with no recourse. Without lifting the freeze I will not be able to receive a COVID-19 Economic Injury Disaster Loan. Without the assistance of COVID-19 Economic Injury Disaster Loan my business will fail. How is it legal that this company can hold my credit hostage causing my business to fail? They are preventing me from receiving the help being offered by the Federal Government to keep my business from failing during the COVID-19 pandemic. I have a credit score of XXXX and Equifax is holding my credit hostage and locked and I have no recourse. For what purpose do they exist then? What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have reached out today to Pay pal credit to request my payments to be defer, due to Corvid-19 we can't work and staying home and almost out of money, I was giving this month with no payment and no late fee, however they will continue to charge interest, how ridiculous can that be with what we are all going thru? We didn't ask for this ... You defer a payment but charge interest that for starter is a very high interest rate. This is not fair to us and all your other customers that are like me or worse, we are asking for help  but this is not helping much, so no payment but the interest is around XXXX or more a month which will increase my balance. Not fair at all! This is just as bad as people gouging prices, truly inconsiderate. 
You people talk about how you are there to help but thats no help you still trying to make money on us.

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 2020-04-01 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: OH

Complaint narrative:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX and SS 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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While looking at my credit reports I noticed hard inquiries i did not authorize. These hard inquiries does not relate to any transactions i have. This is clearly a result of identity-theft. Having the following hard inquiries reporting on my credit reports make it difficult for me to get approved for lines of credit. I am requesting that the above listed hard inquiries be deleted. 



1. XXXX XXXX XXXX 2. 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 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: DE

Complaint narrative:
This debt has been payed in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Entered into bankruptcy ( BK XXXX XXXX in XXXX and recently dismissed as of XX/XX/XXXX. Recently notified by XXXX, XXXX XXXX XXXX ( XXXX XXXX ) via letter that they are seeking foreclosure ( on behalf of Wells Fargo ) on a property that was covered in BK XXXX. A loan modification was submitted and approved in XX/XX/XXXX by XXXX XXXX for this property. The Bankruptcy Judge had to approve the loan modification before I could move forward with accepting the loan modification from PHH ( Wells Fargo Servicer ). All payments were made through the Bankruptcy Trustee to Wells Fargo on my behalf as outlined in the bankruptcy agreement. PHH, the Servicer has requested that XXXX XXXX foreclose on my property. PHH is stating there is no loan modification agreement on file. My attorney, XXXX XXXX e-mailed XXXX XXXX the loan modification acceptance letter and a copy of payments made by the Trustee to show I am current in payments. PHH has filed for foreclosure on my property without just cause. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AES/PHEAA
State: PA

Complaint narrative:
XX/XX/2020 my student loan payment was due. For the first time ever I saw a red text below my payment saying it was past due. Payment was not taken out until following Tuesday. I reached out to their fed loan XXXX page. They messaged me back said someone would reach out to me. On Thursday I got a call I did not recognize. I got a voicemail apparently from someone from fed loan. They wanted me to call them back at XXXX which I did but it sound like a scam because the first thing I heard was a voice recording saying were excited to offer you a special promotion followed by the question of is someone in your house 50 years or older. Also this person called from a different number XXXX. Im in the public student loan forgiveness program.. I do not want fed loans system errors disqualifying me from the program. I make my payment on time every time! They still have not proved to me that this issue is resolved. Please help make sure their business practices or more thorough so I can get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
I scheduled a payoff payment on XX/XX/2020 in the amount of {$1700.00} to be transacted on XX/XX/2020. I contacted the company on XX/XX/2020 to determine the exact payoff amount because a payment would be debited on my personal checking account on XX/XX/2020 and needed to confirm if I should deduct the amount from the payoff amount. I was advised by XXXX that I should CANCEL the {$1700.00} payment and schedule a payment for {$1300.00} which would be the payoff balance on XX/XX/2020. I did as advised and cancelled the payment online on XX/XX/2020. XXXX confirmed the payment was cancelled. On XX/XX/2020 Prosper processed an ACH Debt transaction in the amount of {$340.00} which was the standard scheduled payment. On XX/XX/2020 they processed an ACH Debit on my personal checking account for {$1300.00} leaving a XXXX  balance. On XX/XX/2020 they also fraudulently processed an ACH Debit on my personal checking account in the amount of {$1700.00} against an account that had a XXXX dollar balance. On XX/XX/2020 I immediately contacted Prosper when I noted the fraudulent transaction that was not authorized. I was advised the transaction was done but would not be corrected until XX/XX/2020. I advised XXXX, XXXX and XXXX in three different conversations that the return of the stolen funds was NOT acceptable and the amount had to be returned today. They could not provide any proof the money was being returned or a transaction number of the return of the funds. They are currently refusing to return the money that is not owed in the amount of {$1700.00}. I was unable to escalate the call as they would not allow me to escalate. This money should be returned to me with interest and the company should be charged with fraud.

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 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
This case is a follow-up to Complaint ID : XXXX, where the full complaint details are attached within the PDF files below. 

When calling Navy Federal Credit Union looking for a resolution, they were unable to address the concerns I had with their company and the reasons why they breached my security ... nor did they resolve my issue regarding communication directly. 

Instead after breaching my security, by letting the Co-Guardians submit papers via fax, Navy Federal Credit Union allowed the Co-Guardians to re-release held with funds from my accounts or assets at the time, and re-write the beneficiary to the Co-Guardians themselves. 

As discussed, in the previous complaint against Navy Federal Credit Union, the Federal Credit Union handled the matter internally, but did not communicate with me ... the former account-holder about the circumstances. 

I may be unable to contact the credit union based on unethical standards performed in the transaction of {$1800.00}, based on their policies ... but I have attached an authorization to release information form ... which should be routed to an appropriate party. 

As Navy Federal Credit Union is unwilling to share more information with me, and the Co-Guardians deposited the funds into a separate account, legally and specifically blocked to my access ... I would ask this secondary complaint to be submitted to them. 

In addition, since there may have been financial theft or losses, by the credit union regarding my assets or membership, which seems improper to me ... and/or other parties, I am attaching the Authorization To Release Information, signed by me to overturn their unethical decisions and release information to the appropriate attorney.

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