vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank closed 2 of my cards within the past 2 weeks. I reached out to ask them why, and they claimed inactivity. I used both cards ( Victoria 's Secret and XXXX  XXXX ) within the past 6 months, and we are in a pandemic, so that should be more than good enough and should NOT entail closed CC accounts. 

I reached out to them on XX/XX/XXXX regarding my XXXX XXXX account, and they gave me a canned message ( see below ). Today I saw that they ALSO closed my Victoria 's Secret account ( XX/XX/2020 ) via my credit monitoring service. 

This is a problem as my credit score is above 800 and they shouldn't be closing accounts during a pandemic when stores are not open. Also, inactivity should only kick in after 6 months, and should be entirely waived during a pandemic/ national stay at home orders. 


" I am with Comenity Bank, which handles everything related to your credit card account. I'm happy to help you today. 

We closed your XXXX  XXXX account on XX/XX/2020 due to inactivity. 

We let the national credit reporting agencies know that your account was closed at your request on XX/XX/2020. 

We value having you as a customer. 

Although your account is now closed, we hope you will continue to shop with XXXX XXXX and invite you to apply for a new XXXX XXXX account in the future. 

If you have any questions, please click the reply button. 


Sincerely, XXXX Internet Customer Care Team ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian, XXXX / XXXX, and XXXX are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?

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 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I was orginally with Ocwen until PHH Mortgage came and replaced Ocwen. Then Ocwen put 2 accounts under the Ocwen name on my credit report. There is one open account from PHH Mortgage on my XXXX  credit report. There are 3 closed account on my XXXX  credit report one of them is a HELOC that is mine the other 2 are Ocwen. I never had 2 accounts with Ocwen. It shows that I have had 2 loans with Ocwen which is not true.

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 2020-05-14 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: SC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, TransUnion / XXXX, and XXXX  are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX, XXXX / XXXX, and Equifax are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Loan No. XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Among others, NewRez handles my mortgage payment on the property above. Though I have been making payments on time, due to a clerical error on the part of NewRez, the payments I made were placed in applied status or credited to a different line items. NewRez seems to make this error quite frequently. NewRez has also done this to two of my other loans. Therefore, NewRez not only did charge me with late fees ( subsequently corrected ), but also reported this to the Credit Bureaus. At no time was I late in any of my payments. NewRez seems to have issues with properly handling my payments. I had advised NewRez to correct this oversight and send me a copy of the letter to the Credit Bureaus, I have not received any communication from them. A recent credit check showed that I am late in payment to NewRez. NewRez seems to ignore my communications and phone wait is over 3 hours and the times I have contacted an agent on the phone, they seem to make more problems with the account in entries of my payments. 

I want NewRez to correct their oversight and report this to all the credit bureaus and provide me with a copy of this communication for my records. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
XX/XX/20- XXXX XXXX  {$3000.00} I had direct deposits on Monday XX/XX/XXXX of about {$4000.00} for my unemployment in MN, {$400.00} and tried to withdraw more money and received a messwger " you reached {$1000.00} daily limit '', the next day Tuesday XXXX XXXX i made a purchase for {$350.00} but was still unable to withdraw funds. On Wed XX/XX/XXXX i still could n't take money out atm so I XXXX Cash Ap   support and found website ** https : //cashappcustomerservice.com/ ** And on the website was a # XXXX and when I called they told me they needed to verify my Cash Ap account to lift withdraw limits. I was then told to open support on Cash Ap then download an ap called " Quick Support '' from XXXX XXXX then " add on-XXXX '' both aps logos containing a white circle with blue horizontal arrows. After i downloaded the aps they told me to turn off security lock from settings ( part of verification process ) they then had remote access over my Cash Ap, i watched on my phone as they toggled settings. They linked a XXXX  XXXX XXXX account then assured it was Cash Aps bank and part of verification process. He told me I'd be getting a new cash ap card and daily limits would be removed. They told me to hold on then i eventually called that number back XXXX and it was a Text Now #. I tried to log back into my Cash Ap with phone number and was having to type name as if a new account. I used my email and logged in, my phone number XXXX | XXXX | XXXX were all deleted from my account and there was an odd mixture of # 's and letters for email which i didnt have time to write because i was hurrying to reconnect my information before i lost account. I went to email and saw that all {$3000.00} had been deposited into a XXXX   XXXX XXXX account and that a card ending with XXXX had been disconnected ( the thief 's card most likely ) i contacted Cash App immediately via support and XXXX, ( case # : XXXX ) I went to the XXXX police station on XXXX XXXX XXXX and I called The FBI - XXXX office. My money was stolen, ( {$3000.00} ) please have it returned to $ XXXX, i have my email and phone reconnected and enabled security lock on my account again so I'm not worried about another theft. Please resolve this issue as soon as possible, this was all the money I have. Thank you - XXXX " XXXX XXXX '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a jefferson capital collection collecting for XXXX XXXX. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called jefferson cap who gave me the number to XXXX XXXX and they dont answer the phone. I then called XXXX who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
The company has reported that I have not made any payments however, my bank shows there is a payment made. In addition, to resolve the other payments, I updated the payment method in the app since the account I was initially using was closed. Moneylion still continued to try to take payment from my closed account. Instead of contacting me that there was a problem, Moneylion reported this on credit. In addition, they were falsely attempting payments. The records indicate they could not get payment but I definitely had the money in my account. 

When I called to try to resolve the issue, I had to call 6 times because they sent me the wrong links or were not responding to me saying 'Hello '. I requested a supervisor to call me back and they have not bothered to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TX

Complaint narrative:
equifax not letting me login to see my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I have not paid my mortgage for the past 2 months. I applied for refinancing and I got approved but I will have to pay the full amount at the end of the 3 months that I have not paid in lump sum at the end of the period. I'm currently not working because of the Corona virus pandemic as well as being evolved in a XXXX XXXX. I'm currently trying to apply for XXXX benefits due to not being to work. 
I wanted to see if I could defer my payments or add them to the end of my mortgage until I get approval from the state for XXXX. I currently am on XXXX and receiving XXXX XXXX  to get any help I can for now, I have 2 dependents that I have to care for a XXXX and XXXX year old. My lender is Amerihome, I need help I still want to keep my home and pay my mortgage Just seeing if there's any way that I can defer my payments until I can get better financial help in my hardship situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I had a credit card with Continental Finance Company but had not used this credit card in over a year and no longer have the card because it was at a XXXX balance. However, they keep adding fees, late fees, interest and penalties to the account. I get periodic emails from them saying a payment is due and to login in to their website to see my statement, but couldn't log into their website because I do not have the account number to register for an online account. I could not see my account, and could not see any statements. I called to them over 5 times to request a replacement card and that my statements be mailed so I can somehow look at my account. I never received either. The last time I spoke to them they said my balance was over {$500.00}, and none of the charges were due to any spending. They were just fees, penalties, and interest piling on top of each other. At that point I told them to close my account and to stop charging me. 

I told them to close my account and requested a statement showing all of the charges they are charging me for. Now I'm also getting notices from the credit bureaus saying my payments are late, even though the account is closed. The representative I last spoke to over the phone also could not tell me why my balance was so high when I had not made any charges on the card and had a XXXX  balance.

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 2020-05-14 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2800.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX  {$3100.00} XXXX  XXXX {$25.00} XXXX  XXXX {$400.00} XXXX  XXXX {$810.00} XXXX  XXXX {$500.00} XXXX XXXX {$790.00}

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 2020-05-14 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX {$2800.00} XXXX XXXX  XXXX {$760.00} XXXX  XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX {$3100.00} XXXX XXXX {$25.00} XXXX  XXXX {$400.00} XXXX  XXXX {$810.00} XXXX  XXXX {$500.00} XXXX  XXXX {$790.00}

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 2020-05-14 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:
Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for Experian 's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX. Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : UNVERIFIED ACCOUNT ( NOT MINE ) I demand the following accounts be verified or removed 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 2020-05-14 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: MN

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$120.00} XXXX  XXXX {$750.00} XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson Capital Systems is reporting to under 3 bureaus and have not verified debt. Original account seemed to be originally taken out while I was a minor, and because of that the collection should be removed. Also the said contract was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a purchase of {$430.00} on my card that involved travel services from XXXX XXXX XXXX. Those travel services were to be used in XXXX but unfortunately due to the ongoing pandemic, services were not received. In XXXX, XXXX, I contacted XXXX asking for a refund. They agreed to refund the full {$430.00} ( emails attached as proof ). I gave them ample time to issue the refund but as it had gone to XXXX without having received the refund, I decided it was time to escalate to my credit card. 

Thus far, American Express has not resolved the dispute. In fact, it appears they are closing my dispute without even bothering to help me on my behalf. Credit card companies ask their customers to follow the proper protocol, which I did, and then don't bother to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2019 I received documentation stating that I would be in a settlement class action lawsuit against Wells Fargo Auto because Wells Fargo placed CPI insurance on loan when I already had XXXX XXXX. However, I called to get info in regards to settlement amt and cpi amt. After sending 18 emails and 32 phone calls no one called but 2 times to send check to correct address after that I received chk disputing amt of CPI check because I had coverage with Progessive Insurance dating back XXXX in which I paid because I only paid my insurance 1 time annually. So I'm disputing the cpi amt because I suppose to rcvd chk for XXXX for the 10 mths I had coverage but didnt need it. I sent in proof of XXXX XXXX coverage and punt amt about 12 times to CPI Settlement Info however, on letter I rcvd they stated that I never send it in so I'm requesting Wells Fargo CPI to refund my funds for those mths that I didnt need coverage as well as compensation for my vehicle getting repo as a result of this, credit worthiness, job loss, and transportation costs.

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 2020-05-14 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: MN

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$120.00} XXXX  XXXX {$750.00} XXXX   XXXX {$300.00}

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 2020-05-14 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: MN

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX {$750.00} XXXX   XXXX {$300.00}

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