vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In all started when I went to XXXX 's to get groceries. While I was at the customer service desk, the clerk approach me to open a MasterCard account via XXXX 's. She said because I am already a member, they will not run a credit report. I believed her and 10 minutes later, it showed on my credit report as a Hard Inquiry. 
The credit card company name is XXXX. I started using the card to make purchases. I used it to make a large purchase and won't go through. After many attempts they locked my account. After talking to the fraud department and try to explain to then that it way me, they requested to get a copy of my social security number, driver 's license and a copy of a utility bill with my addressed. After faxing all the information and have not heard from them in weeks, I decided to call then. They still did not unlock my account because I did not provide enough evidence that it was me. Despite the fact that I sent everything they asked for, they still reject it my request. 
What is really upsetting is that I really did not want the card. But after having a hard inquiry in the credit report, I want them to give me my card back, I am willing to give them what they asked for to proof to them that the person the are speaking to on the other side is the same person who applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: ND

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I had a National Declared Emergency from Hurricane Irma in XX/XX/XXXX. My servicer for my VA loan was XXXX who at that time offered a forbearance for three months because of the storm which would have been XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments in forbearance then I would start back up in XX/XX/XXXX. Which I did then they sold my mortgage to Selene Finance in XX/XX/XXXX which then Selene couldn't give me any Information on loan status or payment info until they received all documents. I was told by XXXX that the forbearance payments would be just tacked onto end of loan. Selene Finance never agreed to that initially, but then did and raised my interest rates from 4.5 to 5 %. They also reported my to all the credit bureaus up to 180 days late, which XXXX never did. I paid every payment that asked for on time but instead screwed my credit over and changed my interest on my loan by raising it to 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: eCon Credit LP
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Is reporting on my credit report and I do not have an account with them. I called the number listed and tried to get information from the website. the phone numbers and website are both invalid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have sent up to 3 dispute letters to Portfolio Recovery Associates and they have refused to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me old billing statements which is not proper verification of the account. They continue to report this unverified account n my credit  company and continue to call and harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent XXXX, Equifax, XXXX multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent transunion ask them to investigate theses inquires and it seems to me like they just give me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent XXXX, XXXX, Experian multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent XXXX   ask them to investigate theses inquires and it seems to me like they just give me the runaround.

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 2019-03-04 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: TX

Complaint narrative:
I recently disputed some errors on my credit report with Equifax and XXXX. I did so via postal-mail in a letter that I mailed to them on XX/XX/XXXX. I was supposed to get a reply within 30 days. To date, I have received no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TX

Complaint narrative:
Experian refuses to allow me to place a freeze on my credit report using the online or phone system. They want me to mail all sorts of personal information to them through US mail in order to do this. This sounds completely ridiculous. Someone has tried to open a credit card in my name and I'm just trying to protect myself as the law permits.

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 2019-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, I wrote a check for the amount of {$4000.00} to an individual that banks with Wells Fargo at XXXX XXXX XXXX XXXX in XXXX XXXX, TX. For whatever reason, that individual wanted a different amount than what I wrote him, after he had visited the Wells Fargo branch. So he gave me the check back and I destroyed it. I wrote that individual a check for a different amount. Wells Fargo decided to cash the {$4000.00} check and reverse the transaction from that individual 's account. Upon confirmation by XXXX XXXX that the transaction has been reversed and will be transferred to the issuers ' account on XX/XX/XXXX, I felt assured that the erroneous transaction on behalf of Wells Fargo had been rectified. Today, XX/XX/2019, I still have not seen the funds from Wells Fargo although XXXX XXXX has assured myself and the account holder that the transaction will be reversed. This has nothing to do with the account holder, I have verified in person at the bank that the account holder 's account does not have the funds in their account. Wells Fargo has taken the funds from both myself and the Wells Fargo account holder and is refusing to give them to either one of this. This is theft and must be rectified immediately.

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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: MO

Complaint narrative:
I am using a third party service to monitor my credit bureau files. Imagine my shock when they notified me that a negative entry had been placed on my file. XXXX XXXX accepted a file from Contract Callers Inc. that they were collecting {$150.00} for XXXX XXXX. 

I spoke with XXXX XXXX whom I am a current customer with in good standing. they informed me that they have not sent any collection account information to Contract Callers Inc. to collect from me but did admit they use CCI which they assumed is one and the same. 

When I called the company they refused to give me any information because I refused to give them my SSN over the phone. Not knowing who they are and they have personal information about me already causes me great distress and concern. 

I would like this company held responsible for their actions which clearly violates several state and Federal laws.

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 2019-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was looking to purchase XXXX Obama tickets online from XXXX. The event was on Thursday XX/XX/2019 I contacted the seller ( in this listing - https : XXXX ), who said his name was XXXX on Monday XX/XX/2019. 

I communicated through text ( text thread is attached : XXXX - XXXX ) and twice over the phone with the seller and the agreement was that I would purchase XXXX tickets for {$650.00}. The seller asked to use XXXX XXXX instead of meeting up in person, and asked to be paid through XXXX. The seller also mentioned they used XXXX as their main bank. 

On the evening of Tuesday, XX/XX/2019 the seller received my payment through XXXX but did not send the tickets through XXXX XXXX. I repeatedly called the seller and sent a screenshot of my XXXX account ( XXXX ). I did not receive a text, or phone call or any other communications from the seller from that point. 

I am confident that this seller is defrauding users using XXXX because coincidentally, I had a friend who was in contact with this same seller. They communicated through text message and over the phone as well. On the craigslist listing, the seller claimed to have 4 tickets for sale. The evening of XX/XX/2019 around XXXX I sent my payment of {$650.00} ( for 3 of the supposed 4 tickets on sale ) through XXXX. My friend who was in contact with the seller did not send them any money, but inquired about purchasing all 4 tickets around XXXX Wednesday XX/XX/2019. The seller agreed to sell my friend all 4 tickets even though the seller had received my payment for XXXX of those tickets ( XXXX, XXXX, XXXX ). 

The next day, Wednesday XX/XX/2019, I visited the Chase branch on XXXX XXXX XXXX, XXXX, TX. I spoke with a representative and explained the situation and they said they would make an attempt to reverse the transaction and would let me know the result of their findings. On Saturday XX/XX/2019 I filed a police report with the city of XXXX ( Report. No : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TX

Complaint narrative:
I recently disputed some errors on my credit report with XXXX and XXXX. I did so via postal-mail in a letter that I mailed to them on XX/XX/XXXX. I was supposed to get a reply within 30 days. To date, I have received no responses.

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 2019-03-04 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: GA

Complaint narrative:
On XX/XX/2019 I filed a dispute with XXXX XXXX XXXX about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( equifax ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( XXXX XXXX ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( equifax ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 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: VA

Complaint narrative:
XXXX XXXX is on my two other credit reports as charge off which is Transunion and a XXXX. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys XXXX and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX balance on XXXX and Transunion report because it hurting me and this all happen due to someone fraudulent information on my 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 2019-03-04 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: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am contacting you again in regards to a bill from XXXX  that I have already had removed from my credit report once due to the collection agency not being able to validate the date and yet again this same account ( from XXXX  ) has resurfaced by being placed on all 3 of my credit reports again claiming that I owe this debt from a collection agency called Contract Callers, Inc.I requested validation of the debt prior to this collection company putting this debt on my credit report however, I did not received that validation. Now finally this collection agency Contract Callers, INC have finally sent a copy of a bill that they say is a validation that I own and owe this debt yet the information they sent does not have my name, it has no information as to my DOB, Social Security number, etc. with what was sent this is not a validation of the debt that they claim that I owe to them. Like before I am requesting that this debt be DELETED from all three of my credit reports and not be allowed to be placed back on my reports due to the fact that not once but twice now the original creditor XXXX has not been able to provide adequate validation to prove that this account is mine yet they constantly keep reselling this debt to different collection companies who can not validate the debt yet they are placing it on my credit reports anyway thus ruining my credit as fast as I can try to restore it.

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 2019-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I called in to Ally Automotive 's automated call center on XX/XX/XXXX to make the final payoff on my XXXX XXXX XXXX. I was quoted a payout amount of {$1000.00} through the automated phone system and directed to XXXX XXXX to make my final payment. I did so the same day. When I called on XX/XX/XXXX to inquire about getting my payoff letter and title, the same automated system quoted an amount around {$150.00} to complete my payoff. I asked to speak with a representative, and then a manager. I got a polite but incomprehensible explanation of why the amount quoted by the automated system was not truly the total payout due to complete my contract. 

I made final payment on XX/XX/XXXX and recorded the conversation with the Ally representative in which he gave me the amount due to close my account and assured me that no further payments would be due. 

I believe that Ally 's automated system is misleading, and that they are being deliberately opaque in order to bilk customers for additional payments at the end of their loans.

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 2019-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Timely filed a billing dispute with the credit card company under case number XXXX for {$73.00} billed on XX/XX/19. Specifically, I already provided the company with specifics to complete the dispute processing. They were informed that someone logged into my online account and utilized my login credentials to impersonate me. The merchant already has blocked and closed the account. Credit card company produces a letter backdated on XX/XX/19, and received by me on XX/XX/19, advising me to call and discuss. Nothing needs to be discussed, the dispute is valid!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: FC HoldCo LLC
State: CA

Complaint narrative:
My car company has not reported my payments since 2017. I have made 3 on time and one principle payment on the account and the balance on my report and their website does not decrease at all it has even gon up. I have requested an amortization report and have still yet to receive it or any explanation as to why my balance is not going down

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