vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am past due on XXXX CARD partial account number XXXX. This account is coded as an XXXX and it needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima credit allowed someone to open a account in XX/XX/XXXX or XX/XX/2018 in utah.a state I do not live in.im a resident of Texas and have been.they have been given proof it wasn't me.police and identity theft report as well as proof of my residency.thwy are illegally keeping a defaulted debt on my credit report.ss # ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. The following inquiries are unauthorized : XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Called me at work. Told not to call at work! XXXX XXXX from XXXX XXXX>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Called me at work. Told not to call at work! XXXX XXXX from 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 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK
State: MS

Complaint narrative:
I been contact by XXXX XXXX XXXX XXXX many times and I have tried to work a payment with them and they don't agree, they want the full amount. One time he said he couldn't understand me because I have a XXXX accent, which I reply yes I'm XXXX. After this he said I pay this before they send me to XXXX which I said what are you saying then he said before you go to XXXX. Many times he has threat me that I'm going to be arrested because I don't pay. I do want to pay but I don't have the full amount. I want to work with them doing a monthly payment but they want the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: TX

Complaint narrative:
It has XXXX XXXX as an inquiry on my report but after calling both XXXX which I never applied with and Experian, Experian will not remove it.

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 2019-04-09 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: SC

Complaint narrative:
Experian reporting closed account on my report that should only be showing XXXX which is paid in full and closed. Also having been reporting my payments since 2017 even tho XXXX has been proving reports every month up untill last month ( XXXX ) when I made my final payment. Furthermore, addresses and misspelling of my name only address should be reporting is XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. Attached are my id and paperwork from XXXX and screenshots of whats on my file thats showing closed which are not mines.

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 2019-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loan Care refuses to release a payoff request from their borrower who is trying to refinance. They have been giving him the run around which has subsequently cost him delays which will result in monetary loss.

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 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I was shopping at XXXX XXXX XXXX On XXXX XXXX XXXX XXXX XXXX New York, NY, XXXX. I was shopping for my daughter and when I got to the cashier I was offered a {$10.00} discount for being a member ( at XXXX ). I paid Cash but the cashier asked for my card number in order to give me the sale. I told the cashier I was paying cash and she indicated that it was just to give me the bonus that she needed the card information. I paid the balance of {$21.00} cash and left the store. I recently found out that the card was charged during that transaction. I called the company and explained what happened. I have my receipt from that day but it does not indicate my payment method I asked them to review the video surveillance from that day where they can see me hand the cashier the cash for my goods. Ultimately I called XXXX and they have begun an investigation I am worried that this would impact my credit and now my {$21.00} transaction which I paid has grown to {$85.00} dollars with fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have writing several companies that pulled my personal credit without my permission or consent asking that they remove the unauthorized inquiries. I then contacted Equifax providing them with my Equifax Confirmation # XXXX and my social security number regarding the unauthorized pull of my personal credit information Equifax continued to disregard my request to block credit inquiries that were not authorized by me. 

1 ) XXXX XXXX XXXX. Date : XX/XX/2018 2 ) XXXX XXXX XXXX Date : XX/XX/2018 3 ) XXXX XXXX XXXX Date : XX/XX/XX/XX/2018 4 ) XXXX XXXX XXXX Date : XX/XX/2018 5 ) XXXX XXXX XXXX Date : XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
We took out 2 loans in XXXX with this company, and paid them in full. Now, the same company is billing us for four NEW accounts that we did NOT open at all. These 4 new loans were made/opened in XXXX of XXXX and in XXXX of XXXX. There are currently 4 accounts open with the same company that we are being charged for, but we have paid this company in full. Currently, the original company has sent these accounts to a debt collector that referred us here to file this claim. 

Accounts being charged for : 1 - {$330.00} XX/XX/XXXX 2 - {$180.00}. XX/XX/XXXX 3 - {$330.00} XX/XX/XXXX 4 - {$590.00}. XX/XX/XXXX We paid a total of {$1100.00} as of between XX/XX/XXXX through XX/XX/XXXX ( auto-withdrawn ) to pay off our account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I noticed a fraudulent withdrawal of {$1800.00} on XX/XX/2019 from my Checking Account. It stated " CA TLR cash withdrawal from XXXX ''. This fraudulent withdrawal happened in XXXX, California. I was working that time in XXXX XXXX, California. 
I have never lost my wallet/debit card and the transaction stated it was Teller Cash Withdrawal. If someone is withdrawing this large amount of cash, shouldn't the teller have to check the ID? Shouldn't that be the bank 's protocol? If they did, they should've caught that it wasn't the correct person. Why wouldn't the Bank check each individual customer 's ID 's to make sure this doesn't happen? 

I locked my debit card right away when I found this out and a couple hours later, this theft tried to withdrawal money again. This theft went to another branch in XXXX XXXX, California to withdrawal more money. But since my card was locked, it was denied and I received an alert email. 

When I first called the Check Fraud Department, they said they'll resolve this issue in 60 business days. They did not keep this promise. It took longer than 60 business days. I had to call multiple times to get any answers and they told me to keep waiting and there's nothing I can do. 

I was notified today that the claim will not be honored for the following reason : " Your ATM/Debit Card and PIN were used as identification during the transaction ( s ). '' After waiting more than 60 business days, they just send me a PDF with that simple explanation. What did they do to help their loyal customer? This is an outrageous result.

If the Check Fraud Department would check the surveillance camera video, it will prove that it wasn't me who took out the money. From researching, it seems like Bank of America does not care about all of their customers. They only pull videos for claims over {$5000.00}. I need to receive my {$1800.00} back. {$1800.00} all the money I had and is a large amount of money for me. 

Why does Bank of America allow fraud to go unchecked if it's under {$5000.00}? 

On Bank of America 's website, it states, " {$0.00} Liability Guarantee will credit fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen. '' My card wasn't even lost or stolen, and they are refusing to refund my money. 

This is unfair and unprofessional for them to just deny my claim. 
Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Trying to get a loan. Banker states there is a freeze on the credit report and he can not pull up. Three major credit agencies : XXXX, XXXX, Equifax. I never even froze it, I don't know who did.

1. XXXX -, no record of any freeze. We are ok with them.

2. XXXX - no record of any freeze. We are ok with them.

3. EQUIFAX - BIG TIME PROBLEM. Will not help and we gave them all info they asked for. 

Began XX/XX/XXXX. Beginning XXXX and throughout the rest of the day. Spoke with XXXX  XXXX, XXXX XXXX. XXXX XXXX. They wanted who our auto loan was with from XXXX, 13 years ago! This paid off XXXX. Why would I keep papers from 8 yrs ago when loan paid off. After 2 hrs searching found ins from XXXX that showed lienholder which I gave them. It didn't match up. I had actual name. I explained to them that frequently companies change names and this could have been the case with mine. But my payments were made to the lienholder I gave them. They would not accept! 

Then today, XX/XX/XXXX, I spoke with XXXX  XXXX who said the same thing then transferred me to XXXX the Resolution Specialist, All telling me the same thing. They they asked about another car loan. My husband had a 2009 van and I had a 1993 XXXX. This was so long ago. I asked them is there any other way to verify it is me cause my Banker is trying to order a credit report. 

THERE HAS TO BE ANOTHER WAY TO VERIFY!. Why are we being penalized because we paid off car loans and I gave them who the lienholder was at the time? They said we need to copy drivers license and social security numbers for both of us and it takes 5 days. I am almost XXXX. My husband is almost XXXX. We don't have a copy machine nor a fax. They said there us nothing they can do. In the meantime, my Lender can not order credit report. The other agencies, XXXX and XXXX were no problem, only Equifax. PLEASE HELP. My husband will also be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a statement from XXXX XXXX - XXXX XXXX around XX/XX/2019 showing a balance of XXXX. This is a fraudulent account. I have never applied with XXXX XXXX or ever made any purchase from them. 
I called their customer service to inform them and the rep insisted that they would not help me unless I provided my full Social Security number even though I had received statement to my home address and had given them fraudulent account 's number they refused to assist over the phone with out me disclosing my full Social Security number. I have dealt with credit card companies in the past and they have never asked for full Social Security number. I do not trust giving them this information over the phone. 
I sent letter refuting the account and informing them the account was FRAUD and ID theft. The letter was sent around XX/XX/2019. I filed report with FTC and used form letter from IdentityTheft.gov website. I attached the report and copy of statement for fraudulent account. 
XXXX XXXX continues to send junk mail but they have never confirmed the fraudulent account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to contact Transunion to regarding this issue : I would like to contest and challenge an item on my credit report. My bankruptcy entry through the credit bureaus has caused much damage to my credit and failed to cover items that were listed in it, including XXXX, XXXX  XXXX / XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX, as marks against my credit. 
I hired XXXX XXXX to have these items challenged on XX/XX/XXXX. I had to challenge XXXX XXXX twice and it has finally been removed using XXXX XXXX to dispute it. The bankruptcy was not and has not been reported correctly and there were flaws in the process of creating it to protect me from said creditors. Please remove the bankruptcy from my credit report as it has adversely affected my credit by not reporting items it should have contained. 
Please reference Part A. Secured Debts ( Section 3 - Debts ) for entries For XXXX XXXX XXXX XXXX, ( Part B. Credit Cards ) for XXXX XXXX XXXX, and XXXX XXXX. XXXX  XXXX reference # for the Bankruptcy is XXXX, Reported on XXXX, XXXX, XXXX. 
If you have any questions, please do not hesitate to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: NY

Complaint narrative:
Identity theft.

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 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
As of XX/XX/XXXX I have e-mailed my loan handler several times in reference to a discrepancy on my loan balance. I picked up on the discrepancy due to an update on my credit report which shows it as a credit limit increase. However, the balances were current and the result of previous disbursement as it was stated on my financial aid reward. To simplify things previously opened account with balances were further charged not to cover for my expenses such as tuition but for purposes unknown to me.In fact, the form XXXX shows the accurate amount of {$11000.00} paid on tuition for academic year XXXX. However, after having contacted the loan handler and the school financial aid department alike the amount paid for tuition was adjusted to compensate for such additional charges. In any case, I am being overcharged by several thousands of dollars and no one is acknowledging the nature and gravity of the problem. I want to point to the fact that such issue could be consider criminal in nature considering the fact that it involves cash and actions that could be interpreted as fraud and theft. By my calculation the extra charges at least the one I found total around {$7300.00}. However, I wonder if such practice is unique to this situation or if it has been done several times before. Logically, requiring a complete examination of my complete borrowing history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARVANT FINANCIAL LLC
State: MD

Complaint narrative:
On XX/XX/2019, Carvant Financial LLC, of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, New York illegally seized XXXX dollars from my XXXX XXXX XXXX XXXX account. This caused my bank account, that I share jointly with my wife, to go negative XXXX dollars. This debt was on an old auto loan that was taken out before I was married. Additionally, this company engaged in illegal practices in pretending to serve me. Although they are claiming I was served, I was never notified of legal proceedings against me until XXXX was deducted from my bank account. I only had approximately 50.00 in this account at the time so this has caused my joint account to go negative approximately 7,000 $ negative and adversely affected my wife whom is an uninvolved party. Neither the bank nor Caravant financial alerted me in any way to the withdraw of funds from my joint account. This violated Maryland law as the joint bank account was established after the judgment date, is jointly owned by an uninvolved party, and had less than 50.00 $ in it at the time. Maryland law DOES NOT allow for seizure of property by garnishment for accounts with less than 6,000 in them nor for accounts jointly owned when only one party is responsible for the debt. Neither the bank nor Caravant Financial will discuss this matter and I have been directed to a lawyer who represents Caravant Financial, who is still attempting to illegally collect money from me. The judgement against me was for XXXX, and yet XXXX was illegally deducted from my account and the lawyer insists I still must pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account has been paid to a XXXX balance. 


COMPASS BK Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Sold my home went to settlement on XX/XX/2019 however my husband unexpectedly passed away so I did not attend my settlement had my realtor do fir me - here is my complaint against Ocwen mortgage co my last statement from them gas my balance owing XXXX but at settlement they added XXXX more Dollars making my payoff be XXXX how can they lie like this?

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 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
this attorneys office sent me a document to collect on a debt from XXXX XXXX XXXX with my name on it. it is an account that was fraudulently used in my name and disputed by myself years and months ago again as it was appearing on my credit file. XXXX  XXXX XXXX rechecked the matter and confirmed it did not belonging to me after documentation was again sent to them as well as a police report. they removed the negative and fraudulent account and now today months later i get a civil suit notice with the attorney XXXX  XXXX XXXX i guess sold this account to and dint inform them this is resolved. the attorney reached out to me months ago and advised to respond if i disagree, i replied that day via call and then mailed a letter the very next day ... never heard back until today getting served. i read horrible and similar reviews of this attorney and their office and this sis not right at all, they =should n't be able to do this to people like they do. please help me and the little guy!!

Company response to consumer: Closed with explanation