vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
XXXX and XXXX took me to court for an XXXX XXXX XXXXXXXX credit card debt several years ago and I explained to them I was in the process of applying for XXXX and since I was awaiting a response had no income which caused this to occur. I spoke with the Attorney after the court proceedings and supplied my XXXX paperwork and other information to him. He advised me he spoke to XXXX XXXX XXXXXXXX and explained the circumstances and they agreed to write this off and stop collection activity yet the company has contacted me on multiple occasions since then threatening another legal action once and now again asking for me to pay them lump sum. I have called them multiple times since and explained asking for an attorney to contact me about why they are not following agreement but no one calls me back. The attempts stop for several months or longer then start again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My attempts to resolve this issue with Bank of America just results in me calling them to fix the problem over and over, this is ongoing. My payment is due on the first and they receive it on the first and in addition to my required payment I send additional money to go to principal. Bank of America advances to the next one or two payments instead of putting it toward principal. The result is I lose by paying them interest in advance and do not get benefit of paying down the principal, therefore I pay more interest. After calling a few weeks ago they said perhaps if you pay before the cutoff date it will all go to principal, so I did and they posted it to XXXX ( because XXXX was paid ) which is not even due. I have an electronic payment scheduled for XXXX with additional funds already scheduled so this will happen again. In addition when I call and after being on hold for twenty minutes I advise them to please back date these payments when corrected and they dont do that either. The representatives that I speak to try to be helpful, patient, polite and professional but as yet havent found a solution. This is waste of everyone 's time and my money. Please help me resolve this so I can pay it off quickly. My entire payment history should be reviewed and recalculated because the history shows this has been occurring for a several years.

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 2023-02-15 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: CA

Complaint narrative:
I was recently alerted by Experian that a new account was open during XX/XX/2023 with XXXX XXXX that I did not open. I disputed this item but the company said this should still be on the credit report. They are not providing any sufficient contact information so I know who I can discuss with 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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Pendleton & Sutton LLC
State: OR

Complaint narrative:
I dropped my debit card while I was on the way to work. The card was picked up by someone I don't know and used at 3 locations, resulting in my account having less than a XXXX  of funds. Shortly after I noticed this, I called the bank and informed them of the fraudulent charges. I communicated through e-mail as well. I have since not received any provisional funds, or otherwise. The account was provided by XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
On XX/XX/, 2023, I contacted the business concerning automatic payments. I was instructed on setting up said payments online for payments due on the XXXX of each month beginning on XX/XX/XXXX. The representative informed me that she needed take a manual payment for the month of XXXX. 

On XX/XX/, 2023, I noticed two payments had been debited from my account in the amount of {$210.00}. I attempted to resolve this matter with the business via telephone on five ( 5 ) separate occasions : XX/XX//2023 ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 and XX/XX/2023. Each time the business states it will refund for the unauthorized debit. 

To date, I still do not have a refund. The business has also taken scheduled payments rather than attempting to resolve this matter amicably. 

Further, I was fined fees from my bank as a result of this circumstance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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 have XXXX XXXX XXXX XXXX on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was recently alerted by XXXX that a new account was open during XX/XX/2023 with Comenity Capital that I did not open. I disputed this item but the company said this should still be on the credit report. They are not providing any sufficient contact information so I know who I can discuss with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: United Debt Counselors, LLC
State: TX

Complaint narrative:
Every time I was close to paying the debt off, the company would add another 6 months to pay it off.This happen 3 times.

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 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Millco Management
State: FL

Complaint narrative:
was admitted to hospital I'm XXXX miles away and the VA is the one who pays the bill and they did ; nt i gave the company the va # and told them medical is not supposed to be on my report they won't remove what do i do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I heard about the Wells Fargo lawsuit and we had bought our house in 2010 and had wells Fargo as the Mortgage Company. After roughly 3 years my father passed suddenly and I remember contacting Wells Fargo for assistance on the Mortgage and ways i can potentially lower my payments. After an extensive period of them asking for all my financial details and bills and me continuously sending over information and proof they insisted that the only thing i can apply for is the hardship assistance and i continued for 3 months sending information and then then told me that i didn't qualify because i never missed a payment and that i would have to have missed payments or make partial payments to even qualify. This was very rude and crazy to hear when the company was the one that said i qualify for the assistance and hearing this after 3 months after all the back and forth was so brutal. I tried and then slowly gave up and started trying to find a second job to make ends meet. Shortly after i received a packet of papers at home with rush delivery and stayed that i had only 2 days to sign and return papers that stated i can make half payments for 3 months on my mortgage and included 3 mortgage payment stubs for the next 3 months. I found this very strange since no one even mentioned a package being sent or what this was for and what it meant term wise to sign. I called my realtor and discussed and contacted the mortgage broker i had during my deal and finally realized this was fishy and not something i wanted to attempt even signing since it looked as they were purposefully trying to make me make partial payments and show that way that i can afterwards qualify yet didn't know how that would affect my credit score or other financial condition. I didn't sign and found another way to work things out and later refinanced with a different company but now that I hear about the lawsuit I'm starting to think of there was more errors and other scams or issues that my mortgage might have been enclosed being with XXXX during that time frame. 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 2023-02-15 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Starting in XX/XX/2022 I called XXXX and canceled my {$9.00} a month membership and I also disputed it with Chase, my credit card company acct ending in XXXX. Since XX/XX/2022, so over 1 year I called XXXX 5 times and have disputed this charge with Chase each month. Chase has credited my account each month except one but when I called to complain they stated that they can not stop the charges if the merchant ( XXXX ) keeps putting the charges through. I told them I did not authorize XXXX to continue putting charges through and this is fraud and Chase still claims there is nothing they can do about it even if I cancel the card they will still continue putting it through each month and I would have to continue to call each and every month like I have been for over a year now. This is criminal on both XXXX and Chases part neither one wants to do a thing about this, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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:
I have XXXX XXXX XXXX accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Chime for a XXXX  transaction and received a Provisional Credit for the amount. On XX/XX/XXXX, I received an email stating that Chime had found nothing wrong and would reverse the Provisional Credit, On XX/XX/XXXX, Chime reversed the credit and it was successfully deducted from my account. Fast forward to XX/XX/XXXX, I noticed that the dispute had still not been closed despite the Provisional Credit Reversal, I then requested to cancel the dispute. It was closed per my request, that is until I found out Chime had charged me again for another Provisional Credit reversal on XX/XX/XXXX despite the original setback on XX/XX/XXXX. I had received an email about the matter but brushed it off and deleted the email thinking they wouldn't recharge me again as they had already done back in XXXX. I called them at XXXXXXXX XXXX on XX/XX/XXXX about the matter, and a representative said they would escalate it and the issue should be resolved in about 24-48 hours, I then called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all representatives I spoke to stated they would contact the Investigation team and reach out to me shortly. I have not received an email or phone call about the matter at the time this complaint was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MN

Complaint narrative:
Private student loan with XXXX was discharged in XXXX XXXX bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX continues to report a charge off, balance due, and late payments.

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 2023-02-16 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: MN

Complaint narrative:
Private student loan with XXXX was discharged in XXXX XXXX  bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX continues to report a charge off, balance due, and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MN

Complaint narrative:
Private student loan with XXXX was discharged in XXXX XXXX  bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX  continues to report a charge off, balance due, and late payments.

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 2023-02-15 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:
XXXX account ending in XXXX is reporting to my Equifax credit file inaccurately. The account is reporting activity in the payment history after the account was closed. The account is closed therefore there should be no payment history after that. I want the account deleted due to inaccuracies, violating my rights as a consumer. I submitted complaint XXXX on XX/XX/22 pointing out the violation but yet Equifax stated verified in the company response and continued to allow XXXX  to report the inaccuracy. Im providing proof from my credit report of the active violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been trying for the past two weeks to close my checking account at Citibank. My account has been blocked since XX/XX/, 2022 due to fraudulent activity by a scammer. 

I would now like my account to be unblocked, closed, and the balance of {$1100.00} returned to me by Citibank. I have tried to work with Citibank to do this over the phone, but I have been sent from one department to another. The nearest branch is approx. a 7 hour drive. 

Please see attached detail.

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 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have 2 portfolio recovery accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
ate Assigned XXXX XXXX, 2017 XXXX XXXX, 2017 XXXX XXXX, 2017 Original Balance {$3800.00} {$3800.00} {$3800.00} Current Balance {$0.00} {$0.00} Responsibility Individual Individual Individual Status Payment after charge off/collection Account legally paid in full for less than the full balance Comments Account paid for less than full balance, Paid collection, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Account Previously In Dispute - Now Resolved - Reported By Subscriber

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
I'm being approved for the Homeowner Assistance funds for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payments are past due because they aren't applying the payment on time. It's not fair that they received the payment on time and they still reporting to the Credit reporting agencies. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/2022 HAF send the XXXX payment and as of today nothing is applied in my account. As of today, my account is 45 days past due and I'm being receiving notice letters letting me know my options to not lose my house. Please I need someone to help with this matter.

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