vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a Loft All Rewards card issued by Comenity Bank. I have an excellent payment history other than one late payment a year ago when I didnt realize I had a payment due ( I had made a purchase that I didnt think would appear until the next billing statement ). 

My payment is due on the XXXX of the month. I was on vacation the last week of XXXX so I didnt make my payment until the evening of Sunday XX/XX/XXXX when I returned home. I received an email confirmation ( attached ) of my payment that I had made through the online portal. The email clearly says that payments made through the portal by XXXX on the due date are considered on time. My payment didnt post until the next business day, which was Monday XX/XX/XXXX. On Sunday XX/XX/XXXX I was assessed a late fee and finance charges. I had paid the balance in full. Since I thought I had paid off my card I didnt realize I had a subsequent payment due and therefore did not make a payment on XX/XX/XXXX and was charged an additional late fee and finance charge. 

When I contacted Comenity to complain they told me that they couldnt do anything for me since they had previously forgiven a late payment fee for me ( for the mistake a year ago ) and therefore I was liable for the additional fees and charges. I replied that I shouldnt have been assessed the late fee to begin with because I had actually made my payment on time. They have not responded any further. I also noticed when I logged in to make my complaint that they have also moved up their cutoff time to make payments now to XXXX - which only flashed up on my screen very briefly and did not show up again - so people could very well not see it. 

Every other card I have credits payments as on-time as long as they are made by XXXX on the due date, regardless of whether it is a weekday or a weekend. Its incomprehensible to me that they can legally charge late fees for a payment made on the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-13 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: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/2020 I purchased a XXXX XXXX flight ticket from XXXX. Later on XXXX claimed the flight was cancelled. Normally I should expect a refund going to my credit card. But XXXX forced me to accept as airline credits, which I had never wanted. This transaction was made through my US Bank Credit card ending XXXX. Therefore I tried many times to get my money back through the bank online dispute, but the they did not proceed to a dispute claim. To be forced to accept airline credits apparently has formed extra credit card debt to me. Therefore, I hope to get my money {$540.00} back to my card as soon as possible. I attached the credit card statement to indicate this transaction under merchant name as 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 monetary relief
Consumer complaint received 2020-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My XXXX account was hacked. My password was exposed. My linked bank account is verified through XXXX for login. I was charged two times for atm withdrawals I did not make. Capital one 360 closed my dispute case without even waiting for my sheriff detective to investigate! Ive been defrauded and stolen from. 

Capital one does not care nor handle serious bank fraud with importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: TN

Complaint narrative:
Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: GA

Complaint narrative:
I would like to remove the inquiries that are were maid with out my written consent. Along with accounts that been falsly opened for year 's under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: TN

Complaint narrative:
Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long to me.

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 2020-09-13 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: TN

Complaint narrative:
Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long to me.

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 2020-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
We started the refinance process back in XX/XX/XXXX with Freedom Mortgage and it has been a constant roller coaster ride of contacts changing, numbers disconnected, issues with our address, incomplete information on the Mortgage side so they had to go back to square one. At one point the title company had said our property was paid in full. We kept being told it was with the underwriters but then it would be incomplete. We have dealt with an address issue 3 times because we have a po box ( this concept is not new ). We are still not closed, we just called again on Friday XX/XX/XXXX and was told they needed to speak with the manager and get back to us. But of course we have not received a call back. This refinance was going to cost us {$4000.00} but I was expecting it to be done by XXXX at the latest, were going on to 5 months now. Our locked in rate expired back in XXXX. I just want them to either say no we will not do this refinance so we can move on, or finish it. Again I was financially expecting this to be done by XXXX and it has caused us financial strain

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 2020-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
New XXXX, I know you all probably is tired of me, but Im trying to defend and fight for my home and property because I had no knowledge of the insurance fraud claim against my mortgage note neither did I have knowledge of the missing mortgage payments and {$18000.00} missing check payment, all was not applied to my mortgage loan that was making payments be missing and late.Neither did I have any knowledge of Round Point Mortgage received {$11000.00} in a new principle/escrow advance refund from XXXX XXXX XXXX XXXX, XXXX XXXX. which Round Point Mortgage falsely stated they was the first mortgagee which is false. Also has a loan number XXXX which I just notice is the investor loan number on the loan modification dated XXXX XXXX the process Date of the {$11000.00} new principal balance Advance Refund process on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefore the investors loan account was open and active XX/XX/2014 it appears payment was paid to the advanced escrow as a refund, is this also undiscovered money? Is this money they received from the fraudulent assignment of mortgage note benefits insurance claim on XX/XX/2014 on the FHA connection lender query report? WOW! This is to much to bear.

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 2020-09-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I attempted to dispute a purchase for an item which arrived late and damaged, the amount of {$850.00} on XX/XX/XXXX. There appears to be no option to file a dispute on Comenity Bank site, a secure message was sent with details of transaction including late arrival and damage, no reply as of yet. A prior complaint was filed about this issue, Comenity rep referred me back to the merchant, XXXX XXXX, for resolution. Please note, I've been messaging the merchant for several days, weeks now, with no resolution. I requested a replacement part and credit for late arrival, I was only offered a small credit of {$50.00} with an extended warranty or a credit of {$75.00}, both with no replacement part.. I requested sale price of item as it was later on XXXX XXXX sale, as well as {$100.00} credit with replacement part, in which case both requests were denied. Their rep, XXXX, has been messaging me for several days, the last messages agreed to a replacement part but no credit, would not install part.. My last reply requested a return and refund in full, she requested a picture of a white tag on unit which there isn't one present. The item was supposed to arrive on XX/XX/XXXX between XXXX and XXXX XXXX, I was not living at the address at the time and had to make a trip over at XXXX XXXX, waited until XXXX XXXX  with a no call/no show driver. I called next day on XX/XX/XXXX, had to call and text driver several times before reaching him and getting an estimated delivery time of XXXX XXXX, had to make a second trip over that night ... When I moved in on XX/XX/XXXX, the unit was found to have several scratches on glass burner, reported to XXXX XXXX rep and promised a replacement part ... .I 've been messaging their rep ( s ) ever since with no resolution and request to dispute item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Three to four times a day, this company calls from different numbers around the country. I have received calls from Michigan, Nevada, California, Illinois, etc. I have told them that I only communicate in writing and that, if this is a real debt, they need to send a letter to the address they have on file. They will not stop calling and it has become aggressive ; phone calls coming in back to back to back from different numbers. The caller never identifies which company they are calling from until I ask several times. Additionally, calls have come in before and after the appropriate calling times for my state. 

Log of calls 24 hours : XXXX XXXX  -- XXXX, MI XXXX XXXX  -- XXXX XXXX, NV XXXX XXXX XXXX   Washington, DC XXXX XXXX  - XXXX XXXX, CA XXXX XXXX  -- XXXX XXXX, NV Each time they were told that I only communicate in writing. This has been going on for months now. I have advised them that repeated attempts in this manner will result in me alerting the government. They pushed me too far. 

The company is Portfolio Recovery. 

I will no longer be harassed by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I would like to remove the inquiries that are were maid with out my written consent. Along with accounts that been falsly opened for year 's under my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 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: EOS Holdings, Inc.
State: GA

Complaint narrative:
I would like to remove the inquiries that are were maid with out my written consent. Along with accounts that been falsly opened for year 's under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have been disputing a debt with Resurgent/LVNV Funding for the past 6 months with no luck. They have been reporting to the credit bureaus as well and I have also tried to dispute the validity with the credit bureaus with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
I originally had a debt with XXXX XXXX over 7 years ago. That original debt fell off of my credit report last year, and now The National Credit Adjusters re-opended that same account with a date of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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:
I contacted Equifax for they show a XXXX XXXX XXXX account charged against me and it is not mine. And they investigate and then put it back. It is not me. Never dealt with XXXX XXXX XXXX and have never been to XXXX, Missouri

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a recast mortgage via BofA and paid a higher percent for this type mortgage so I could pay down the mortgage after the sale of another property. I want to recast the loan by putting an additional 20 % down to eliminate the PMI. The mortgage was sold soon after the loan was originated, yet the BofA Is still servicing the account. 
I have called multiple times and left messages for the person who should be assisting with recasting the loan, XXXX XXXX. I have left voice mails him as noted below and then tried to get assistance from the service DEPT. often I have held for +2 hours. 
XX/XX/XXXXadvised by rep unable to assist because of system upgrade. 
XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other Yesterday, Saturday XXXX XXXX I receive a letter from BofA stating we have received a request to cancel your PMI and the loan is not eligible due to the LTV ratio. 

This is not what I requested. I requested the loan be recast by me adding an additional 20 % towards the principle. 
Obviously there is a communication disconnect at BofA as they do not realize what type of mortgage this is and loan can be recast without refinancing.

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 2020-09-13 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: MA

Complaint narrative:
I have been trying to resolve my issues with things that are on my credit report that should not be reporting. The information just keeps getting ignored and it is still on my credit report. I do not know what else to do. The following accounts should not be reporting on my report : XXXX XXXX  for {$520.00} XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$660.00} XXXX XXXXXXXX XXXX XXXX for {$680.00}

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 2020-09-13 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: MA

Complaint narrative:
I have been trying to resolve my issues with things that are on my credit report that should not be reporting. The information just keeps getting ignored and it is still on my credit report. I do not know what else to do. The following accounts should not be reporting on my report : XXXX XXXX  for {$520.00} XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$660.00} XXXX XXXX XXXX XXXX for {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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:
There is several items that are not my debts on the report and as I attempt to dispute them, all I get is error page as shown in attached.

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 2020-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a loan with Capital One Bank Usa. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and Capital One Bank Usa with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
" Rent Recovery Solutions '' and " XXXX XXXX XXXX '' are extorting multiple people for old debt not owed. I am a former tenant of XXXX XXXX XXXX owned by XXXX XXXX XXXX. I followed current Lease termination agreement at the time to a tee. Giving them a 30 day written notice, as well as communicating with the local property management. I left my apartment under good standing. As a matter a fact I over Paid by {$500.00} to cover any residual or pending fees - such as a {$35.00} a day rent ( as property managXXXX stated ) till unit was rented and occupied. That happened less than 24 hours after I left. Tenant was occupied XX/XX/XXXX - confirmed by property management. Also confirmed by myself as I had to retrieve mail from the new tenant. ( He had my bank statement and opened it ). I had reached out a many times in XXXX, and XXXX trying to collect my security deposit and refund over payment. They seem to roll over XXXX XXXX a lot. Never got anywhere - fast forward almost 6 years later - I get a ding on my credit report. I reported to XXXX, and NC Govt consumer site. 
They are trying to collect debt not owed - and using my former residency as a SCAM. I fulfilled my requirements at the time and OVER PAID. I want my credit report fixed, and return {$650.00} owed back to me for over payment & security deposit. I have reached out to corporate and got a VM of XXXX in Legal for XXXX XXXX - never heard back. I am also seeing a trend of this behavior on the XXXX  site. I am not the only victim of extortion. 5-6 years later. ( After the fact ) Why Now? Using tenants as a way to boost profit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, Provident Title sent final payment to Ally on my home loan totaling {$640000.00} when the outstanding principal balance of {$630000.00}. 
On XXXX, Ally sent a refund check from the escrow account of XXXX. 
On XX/XX/XXXX, I requested a reconciliation from Ally related to the final payment as the refund check was less than I was expecting. 
On XX/XX/XXXX, I received a payoff letter that showed interest through XX/XX/XXXX, even though final payment was sent XX/XX/XXXX. 
On XX/XX/XXXX, XX/XX/XXXX, and XXXX, I requested reconciliation of the final payment as the payoff letter was inaccurate. 
As of the filing of this complaint, I have not received a response from Ally regarding a reconciliation of the payment received by them on XX/XX/XXXX. Sufficient time has passed for this financial institution to provide an accounting of the mortgage and related escrow account. Ally 's actions are unacceptable and are indicative of embezzlement and fraud.

Company response to consumer: Closed with explanation