vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three comenity accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends Victorias Secret account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 Fraud Resolutions Dept over phone informed me I need to make a list of all the fraud I reported that THEY FAILED TO INVESTIGATE AS FRAUD and write disputes for charges that are OVER 2 YEARS OLD. UNACCEPTABLE. USAA IS ON LINE BANKING ONLY. USAA does not provide adequate options for XXXX ELDERLY. I HAVE NO METHOD OF DOCUMENTING IN WRITING WITH NO HANDS OR ON LINE AS WELL. All my other banks have branches I CAN EMAIL and have contact in writing and they manage to verify me by phone without hours of hassel as is with USAA. USAA neglects their responsibilites of adequate banking services. WITHOUT PROVIDING CONTACT for ALL consumers. XXXX Elderly are targeted. We need more protection from the rampart theft in the world today. AND I DO NOT TRUST USAA I WILL NOT DESTROY MY HEALTH ARGUEING ON PHONE AS ALL USAA REPS DO. I WILL NOT BE INSULTED THAT I AM A LIAR OR THAT I REPORT FRAUD TO STEAL. I NEED WRITTEN CONTACT ( TO ) USAA AND ( FROM ) USAA. With no hands putting in writing is not an option. I can not write. My emails are not secure due to my XXXX HOWEVER IT SEEMS TO BE MY ONLY WRITTEN FORM OF CONTACT. NO MORE SECRETS AND INSULTS. I have maintained an excellect reputation and background for over 71 Years. USAA sends No Reply Emails ONLY They are On Line Only. 
I CALL MAJOR FOUL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
XXXX XXXX is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.

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 2020-02-06 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: FL

Complaint narrative:
XXXX XXXX  is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
XXXX XXXX  is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.

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 2020-02-06 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had three AMEX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have an account with XXXX XXXX. Originally, it was a revolving line of credit. Recently, I renegotiated terms with the bank to convert it into a fixed loan. Experian, despite 4 attempts to make them read the note from the bank, fails to update the account to reflect it as a loan instead of a revolving account. Additionally when the method of verification has been requested the last two disputes, Experian has failed to provide their method of verification within any time frame, let alone the 15 days set forth by FCRA. When I request that the report be deleted, Experian also refuses to do that. What do they do out of curiosity? They are violating federal law by reporting this inaccurate and untimely information on my file. If that wasn't bad enough, they violate federal law again with impunity as they refuse to recognize my request for method of verification and when called out on it blatantly continue to violate the law by not removing the now unverified account.

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 2020-02-06 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: FL

Complaint narrative:
I had three XXXX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports

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 2020-02-06 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: DISCOVER BANK
State: FL

Complaint narrative:
I had three XXXX  accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with Discover Card removal from all of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
I had three XXXX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is currently reporting an extremely low score all items paid on time and no derogatory they have an issue with the score in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I had an account with Navy Federal Credit Union in XXXX which was a back up account that I had minimal funds in. A fraudulent charge was made on the account and I was not aware of the charge until XXXX when I attempted to open up a second checking account and savings account. I was told that I would have to pay {$430.00} since the account was overdrawn at the time of closure because of bank fees and the fraudulent charge which was about $ XXXXThe bank could not tell me if the charge was a debit card charge or a check because the records are no longer available but based on the amount of {$29.00} returned check fees and NSF fees it may have been a fraudulent check. 

I attempted to dispute the charges to no avail and it appeared that my affidavit that I filed fell on deaf ears with the charge off department. I have two new accounts that are open but I cant use them because the charge off department will not deal with my old account fairly and in accordance with their fraud policies. Additionally, the fees they are attempting to extort me in paying are illegal under the terms of the Federal Reserve Regulations passed in XXXX and they are breaking the rules that are in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have an account with Webster bank. Originally, it was a revolving line of credit. Recently, I renegotiated terms with the bank to convert it into a fixed loan. XXXX, despite 4 attempts to make them read the note from the bank, fails to update the account to reflect it as a loan instead of a revolving account. Additionally when the method of verification has been requested the last two disputes, XXXX  has failed to provide their method of verification within any time frame, let alone the 15 days set forth by FCRA. When I request that the report be deleted, XXXX  also refuses to do that. What do they do out of curiosity? They are violating federal law by reporting this inaccurate and untimely information on my file. If that wasn't bad enough, they violate federal law again with impunity as they refuse to recognize my request for method of verification and when called out on it blatantly continue to violate the law by not removing the now unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This was three wage garnishment on XX/XX/XXXX, the final garnishment payment was sent out via my HR department which should if over paid the garnshiment. 

Between XX/XX/XXXX and XXXX the remaining balance was about XXXX dollars. 

E-Mail from HR to Midland : Hi XXXX, I am attaching the latest letter from Midland Credit per your request. On XX/XX/20 at XXXX XXXX  I spoke to XXXX from Midland and she stated your balance was {$33.00} and I informed her that we had your payments being generated from XXXX  automatically. The payment was for {$210.00} and the employee would have to be credited the difference of {$180.00} and she stated not a problem, they would be responsible for the overage being sent to you. 



Thank you and so happy that this is over for you and your family. 

Have a blessed weekend. 

XX/XX/XXXX the balance doubled to XXXX. And change then XXXX. 

HR stopped garnshiment after over payment,. HR notified me on XX/XX/XXXX that they received a continuance and my payment yesterday doesn't show up and neither does the garnshiment from XX/XX/XXXX which it hasn't show up at all in this two weeks. 

I spoke with a XXXX at around XXXX XXXX  AZ time after I submitted the payment of XXXX dollars. She stated that over payment will be refunded. And she submitted the paperwork to go to legal team to stop the garnshiment. 

This is getting ridiculous two times already balance should if been brought to XXXX and they keep tacking on fees and payments I have Ave had submitted no longer show up. 

This morning I log in and balance is over XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reported my account to XXXX  due to suspected fraud when I never had committed any fraud they said somebody tried taking {$300.00} more than once and due to that they closed my account and reported it to XXXX  and due to that I haven't been able to get it bank account or a second chance bank account I called the bank and ask them if I could get removed but they said they couldn't they said that the only ones who could remove me was XXXX  so I called XXXX that you only one stick of remove me is Bank of America me going back and forth from XXXX  to the bank and it seems like they don't want to help me when I never committed any fraud and they never gave me any info when this happened so I didn't know why my account was closed I don't owe them any money I'm trying to get a bank account and I can't due to this and they won't be with me every time that I tried getting remove taking me the round around from XXXX  to Bank of America and then from Bank of America to XXXX seems like they don't want to help me out with my problem when I never committed anything I never did anything wrong and they never gave me any answers on why they closed my account when it got close

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 2020-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
I borrowed {$500.00} line of credit from check into cash ' company .I was told that my loan amount was {$500.00} and my payments would be around {$140.00} a month .I WAS NOT told that that it would be 29 payments, that was never spoke about.i paid my payments on time and have paid over {$1000.00} on it. 
On Friday XXXX XXXX I had didn't pay my payment because I have already paid so much on it and they drafted money from my bank account where my SSI XXXX wages are deposited without a court order, I ask them to return it because it was my grocery money for the month and she refused, she had a lady call me from another branch and I told her also that I was never told that I would have to pay back over {$3000.00} on {$500.00} or I would have never borrowed it, I stated that noone never told me it would be 24 payments and she said it's 29 payments Drafted from.my.ssi wages without a court order

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc
State: FL

Complaint narrative:
I have already opened a case with the CFPB regarding this matter. ( Complaint number XXXX ). I am trying to leave " feedback '' regarding the lender 's response which was filled with lies. The feedback button is broken and nothing opens when I click it. I have attached a timeline, which you can clearly see contradicts with their timeline. The denial letter stated a completely different reason from the one that they provided in their response ( gift funds and VOR is stated in their response and our denial letter stated " inadequate collateral ''. ) We provided a VOR and rent checks earlier in XXXX. As you can see in my timeline, I also noted emails, dates as well as points of contact. I personally contacted LoanStream multiple times to check the status during the process and they never mentioned anything about waiting for the broker. I was never told that things were " missing '' I was always told that it was " In Docs '' and would be finalized " that night '' which clearly never happened. 

After I left the initial complaint with CFPB, I was contacted by the COO at LoanStream, but he just seemed dead set on getting the timeline so that he could create his response and try to make them coordinate. Loanstream ruined the relationship between the borrower ( us ) and the seller. The seller refused to give us back our deposit of {$10000.00} and it took us weeks to negotiate. I lost {$2000.00} to the seller as well as the costs mentioned in my original complaint. 

In closing, the response that LoanStream left is filled with lies. We were not " unresponsive '' to their calls. We answered and sent the attached document directly to XXXX XXXX who called us back that night with a team of people on the phone. In fact, the attached document was created specifically for Mr. XXXX. Unfortunately, their main goal was to simply get us to put the additional money down and purchase the house that the seller refused to sell to us. ( Note : the seller 's broker also left a negative review for Loanstream and refuses to work with them so it was a dead end. ) To further prove that Loanstream is a crooked company, once I left my negative ( yet 100 % accurate ) review, they did their best to " bury '' it with fake positive reviews. Some are from actual employees of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I had medical emergency XX/XX/2019 and was transported by XXXX  XXXX XXXX to the hospital. They billed my insurance company XXXX {$840.00}. XXXX negotiated a reduced amount of {$720.00} which they have paid. I spoke with XXXX and they have assured me that I do not owe anything to XXXX XXXX  and they are sending me a letter within the next two weeks stating that. I now have a letter from PennCredit that I owe {$140.00} and the creditor is City of XXXX, FL. for EMS services and they have also placed a record in my credit statement of unpaid debt. I reached out to PennCredit but they have the issue under review and have done nothing to remove the remarks from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
I have let the know both TransUnion and XXXX know that I am a victim of identity theft both on my own and thru this forum. I have informed them of the accounts that were a result of this theft and some they removed which I appreciate but other still remain. These accounts are claimed to be mine but they are not and I was wondering how they came to this conclusion.

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 2020-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
We have reached out to sallie Mae to lower and remove the co-signer name from the loan account. The payment requirements states the account payment can be up to 12 months or paid for 12 months. This company continues to report inaccurate information as well as refusing to take the co name off when the burrowed has provided paystubs showing hes able to pay the account. This organization failed to work with me and has destroyed my credit in the process while me trying to get my education to advance betterment for my life. This is emotionally and financially stressful for me. I am seeking intervention in this matter. I need removal of the co-signers and reasonable payment plan.

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