vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I requested that late payments be removed due to my family being infected with the XXXX and they have not been removed. I requested the removal of late payments through credit bureau disputes and online through the credit card company messaging center. 

My account is currently paid off and the 4 late payments from XX/XX/2020 to XX/XX/2020 are greatly impacting my credit score. Prior to the pandemic I did not have any late payments on my account. Once I received my stimulus check I started making regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I requested that late payments be removed due to my family being infected with the XXXX and they have not been removed. I requested the removal of late payments through credit bureau disputes and online through the credit card company messaging center. 

My account is currently paid off and the 4 late payments from XX/XX/2020 to XX/XX/2020 are greatly impacting my credit score. Prior to the pandemic I did not have any late payments on my account. Once I received my stimulus check I started making regular 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 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2021-04-10 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I disputed a newly added account the day I saw it add itself to my report. In the dispute results, it said I was correct but they updated unrelated information. It is still on my report. 

This was for medical debt that is supposed to have a 90 day period before it even shows up on my report. I was unaware of the debt and would like it to come off my report so that I can make payment arrangements with the creditor. 

The account is with XXXX XXXX XXXX. Apparently the account was opened XXXXand as of writing today has been only 69 days. I never received any communication of the debt previously. 
I tried that same day to reach out with their email communication form directly with the company and have not had a response there either.

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 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chime locked my account on XXXX XXXX, I have at least XXXX in the account, I have provided every document they need I have claimed it on my income tax been penalized for the money when I wasnt able to access it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation
State: GA

Complaint narrative:
Please help me with this matter : After reviewing a copy of my credit report I found the following item to be an error. Here as follows is the item in error : Collection Agency : Receivable Management Company Original Creditor : XXXX XXXX XXXX Balance : {$69.00} Account Number : # # # # # XXXX Open Date : XX/XX/2019 The basis of my dispute is I never had an account with this creditor and I do not owe this debt. This is inaccurate reporting on my credit file. I tried to get this resolved directly with the collection agency by disputing through the credit reporting bureau XXXX  however, the collection agency refuses to correct this inaccurate reporting. I have never had an account with them. I've never signed any contracts or paid any funds directly to them. I called the original creditor ( XXXX XXXX XXXX ) on XX/XX/2019 after seeing this collection on my credit. After speaking with them, they confirmed that there was a pending balance that my insurance company refused to pay because I'm military and require a referral process to see doctors outside the military base. After speaking with them, I told them I was never notified by them that the referral was expired and that my insurance company refused to pay the bill directly to the doctors office. I then paid the amount over the phone to XXXX XXXX XXXX. I have never had an account, nor made a payment to receivable management group as they have indicated on my credit report. Please see attached receipt provided to me directly from XXXX XXXX XXXX once I paid them. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete their reinvestigation within 30 days of receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING is claiming that I owe them {$960.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: PA

Complaint narrative:
In XXXX of 2020, I requested my mortgage company, Selene Finance, to be placed into forbearance due to the pandemic slowing work and desperately trying to get the house ready to be sold. We were placed in forbearance XXXX, XXXX and XXXX. I began paying again in XXXX. I paid 2 payments in XXXX for XXXX and XXXX. The was sold at the end of XXXX. During that time i tried to reach out to the company on several occassions via phone and email. I could never get anyone to talk to me about my account to make sure everything was on track being that were back into paying payments. When we sold the house we tried 15 times between us and title company to recieve a pay-off letter. It wasnt until 3 weeks later that i recieved a letter in the mail. Their XXXX i owed them sat in an escrow account the entire time. They were paid, they satisfied the loan with the courts. 
Then when i ran my credit again, they placed a 90 day late payment in XXXX on XXXX ( never a 30 day or 60 day ). I have tried several times to work with them and i have now spoke to 15 different agents and i get a different answer every time. 
1. i was told that since i paid the loan off early it kicked us out of forbearance 2. I was told the title company paid the mortgage {$14.00} short 3. I was told the XXXX payment was applied to XXXX and so on. 

The list goes on. Everytime i try to get someone to help me, I am told to email customer service and then i never recieve a response. I have every bank statement, all document and all information that shows that we did everything keep ourselves in good standing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I was never evicted. I do not owe this company this amount of money. They are charging me 6 months of rent when I was not living there. I Never signed a lease with them. This is affecting me being able to get approved at other rental companies. I have good rental history prior to this. Transunion removed this account after dispute. Please do the same. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In a response to a promotional mailer I received from TD BANK I opened and funded a Checking Account ( XXXX ) on approximately XX/XX/XXXX. The 'Printing Code ' on the mailer identifying the specific mailer was XXXX '. 

The 'Promotion ' offered a {$300.00} Bonus for opening a 'TD Beyond Checking Account ' if the following steps were followed : 1. Offer valid XX/XX/XXXX - XX/XX/XXXX and available only to addressee on mailer 2. Offer NOT Available to existing Checking 'Customer ' or prior 'Customer ' having bank relationship within prior 12 months. 
2. Make {$2500.00} in direct deposits within 60 days, as well as other minimum balance requirements that the Bank acknowledged I met. 

When I completed all of the requirements and the BONUS did not appear in my account, I called 'Corporate ' customer service a number of times and was finally told that I had to contact my local branch to handle the situation, which I then did. 

The crux of the issue was that AFTER I applied for and opened the account in question, TD Bank changed the parameters as to who could receive the Bonus. Currently ( but NOT in XX/XX/XXXX XXXX, the 'DISCLOSURES ' section of the offer has XXXX additional sentence that the original mailer did NOT as follows : " Customers who received a bonus on a prior checking account do not qualify '' Clearly, TD Bank realized that they had omitted this stipulation in error and probably experienced other complaints similar to my own. 

The local branch 'explained ' the refusal to honor the Bonus by citing the following final sentence from the current DISCLOSURES section of the mailer I received ( this is the sentence that ONLY appears in the current version of the DISCLOSURES ) " One bonus account per Customer and can not be combind with any other offer ''. 

Since I had received a pst Bonus, even though it was greater than 12 months in the past, they quoted the NEW, ADDED sentence and refused to honor the offer as was stipulated in the original mailer. 

I opened only ( 1 ) Checking Account, and I did not 'combine ' it with any other offer - I do not see how this invalidates my position! 

I have copies of all mailers, documents, etc, should they be required. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX of 2020, I requested my mortgage company, XXXX XXXX, to be placed into forbearance due to the pandemic slowing work and desperately trying to get the house ready to be sold. We were placed in forbearance XXXX, XXXX and XXXX. I began paying again in XXXX. I paid 2 payments in XXXX for XXXX and XXXX. The was sold at the end of XXXX. During that time i tried to reach out to the company on several occassions via phone and email. I could never get anyone to talk to me about my account to make sure everything was on track being that were back into paying payments. When we sold the house we tried 15 times between us and title company to recieve a pay-off letter. It wasnt until 3 weeks later that i recieved a letter in the mail. Their XXXX i owed them sat in an escrow account the entire time. They were paid, they satisfied the loan with the courts. 
Then when i ran my credit again, they placed a 90 day late payment in XXXX on Experian ( never a 30 day or 60 day ). I have tried several times to work with them and i have now spoke to 15 different agents and i get a different answer every time.

1. i was told that since i paid the loan off early it kicked us out of forbearance 2. I was told the title company paid the mortgage {$14.00} short 3. I was told the XXXX payment was applied to XXXX and so on. 

The list goes on. Everytime i try to get someone to help me, I am told to email customer service and then i never recieve a response. I have every bank statement, all document and all information that shows that we did everything keep ourselves in good standing with them.

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 2021-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America has put suspected fraud activity on my credit report and i believe its stopping me from opening a checking account ANYWHERE. I spoke with them around XX/XX/XXXX the date of account closure and the lady gave me a hard time so I stopped reaching out. They gave me an original charge off amount of {$32.00}. I cant get an account anywhere and Im quite frustrated with them because I havent been involved in any type of fraud. I also have account abuse ; any amounts owed have been paid for XXXX XXXX. The date of closure was XX/XX/XXXX. Ive paid the balance in full so I would like that off of 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 2021-04-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experian has a scam on my credit report and they have done nothing about it XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX you cant even call to see what it is a scam

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 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My checking account access was obtained illegally and used to make unauthorized transactions in the amount of {$4200.00}. I called the police to file a police report and filed written notice along with proof of said police report to Bank of America. The claim has been continuously denied.

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 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/2021, I deposited a check to my Capital One 360 account via mobile deposit in the amount of {$430.00}. However, Capital One 360 accounts are designed in that whole dollar amounts must be deposited- no cents. 
I have had a Capital One 360 account for over 4 years. Because Capital One 360 Accounts are designed as online banking accounts, this is how they are set up. 
So if the cents is over {$0.00}, I typically round the check up to the next whole dollar amount. And if the cents of the check is lower than {$0.00}, I generally round down. So when I deposited the check in the amount of {$430.00} on XX/XX/2021, I rounded up and submitted the whole dollar amount of {$430.00}. 
Again, I have typically deposited checks this way for years. Suddenly, on Monday, XX/XX/2021, ALL of my Capital One accounts- in which I have 4 of them- were frozen. Upon realizing that my XXXX XXXX payment made on XX/XX/2021 was not withdrawn by XX/XX/2021, and my accounts were still frozen, I called Capital One. The first time, an agent said that there was a recording that I needed to listen to and forwarded my call to a recording that said to call back the next day. I immediately called back and an agent couldnt explain why all of my accounts were frozen. He said that the check cleared in the amount of {$430.00} but was submitted for {$430.00}. I explained to him that cents can not be deposited and I rounded up to {$430.00}, the next whole dollar amount, as I have always done. I told him that Ive had this account and deposited this way for over 4 years now, so I was perplexed as to why my accounts were frozen and no deposits could go in or money come out. He said that it was a system error. I voiced that I felt that I was being retaliated against for reporting my Capital One credit card for illegal activity in XX/XX/2021. Again, they could not explain why the check was flagged and ALL of my accounts were frozen ... for 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, my wife and I purchased the subject property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was sold to EverBank a short time after closing. In XX/XX/XXXX, I contacted EverBank and informed them that we were seeking to give the property to EverBank in a deed in lieu process ( our loan with EverBank was current, and the property was vacant at this time ). 

EverBank assigned XXXX XXXX to handle our request. I submitted ALL the documentation that was requested and required. In XX/XX/XXXX, XXXX informed us that the application was complete. On XX/XX/XXXX, I received an Initial Eligibility Letter from EverBank. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three judgements under the name of another individual with the name of XXXX XXXX, who resided in areas that I have never lived. I informed them that these judgements are not mine. They were further notified that I have never lived in the areas, and had no knowledge of these debts ; and, furthermore, that I have bought and sold many properties with various Title Companies, and these judgements were never an issue in completing any of these other transactions. EverBank was also informed of these facts. 
On XX/XX/XXXX, I received a notice from EverBank that my application was complete. 

EverBank was then acquired by TIAA Bank. On XX/XX/XXXX, I received a Demand letter from XXXX , XXXX & XXXX notifying me of the balance of {$98000.00} and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX, and he assured me that he would clear up this matter. 

This entire situation is unnecessary and a waste of money. EverBank and their legal counsel should not be rewarded or compensated for being incompetent, and ( in my opinion ) working to extend this matter ( unnecessarily ) for maximum financial gain..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been using the Comenity Capital Bank Bjs Mastercard for more than 5 years, always paying on time, the financial charge is very high. I am trying to pay the total of the current balance quicker and tried calling on Friday, XX/XX/XXXX, XXXX to ask for options to reduce the interest and be able to pay it all, after waiting for more than 30 minutes the first representative didn't help and instead offer more services, then transferred me to the wrong department, this person couldn't help me and I had to call again, the second person wasn't helpful because technical problems, I called again and the third person told me she was not able to help me and transferred me to another department. After two hours of waiting I didn't receive any help.

Company response to consumer: Closed with explanation