vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had applied for Balance Transfer  with my XXXX card Comenity Bank XXXX XXXX XXXX XXXX of dollar XXXX in XX/XX/XXXX. I had given below details on my request. 
Card Number XXXX XXXX XXXX XXXX XXXX XXXX CARD account I waited for some time for balance transfer to show up in my XXXX checking account but when I didnt received I started calling Comenity bank and they asked me reach out to XXXX XXXX. I reached out to XXXX XXXX  on chat and call but didnt help. I told XXXX representative how I can share evidence shared by Comenity bank. They asked me to send mail which I did After talking to Comenity rep. He told me that we should not put debit card number in balance transfer may be that is leading to this break but I was not aware of that at that time. They were saying initially that they will cancel it and it would reflect in my account after a month but after few weeks they would send me mail that my request is rejected and I need to check with XXXX XXXX  and they kept charging fees and interest on balance. I ever reached out to XXXX handles of Comenity Bank but they also came back with same response Comenity said, money have been deposited in below account but XXXX said they are not able to trace it Check Serial Number XXXX Posting date XXXX XXXX XXXX Account Number XXXX RT XXXX Comenity bank is saying that this check has been deposited in XXXX and hence they cant cancel this transaction from their side. I have contacted XXXX with check details and they say that they are not able to locate check and Comenity bank Operations team should initiate a query with them and Comenity bank said that they cant do that, and I will have to check with my XXXX XXXX  I have talked to customer care of both the banks multiple times in XX/XX/XXXX and I have also send them written letter with all proofs but still Comenity said they cant do anything and XXXX XXXX  never came back I have stopped paying Comenity credit card after they started charging me late fees and interest charge back and again Also I have closed my XXXX recently Can you please look into this request and help me trace the check with XXXX XXXX  1 ) Trace this check and send it to me or cancel this transactions completely 2 ) Remove Balance transfer of XXXX and all fees and interest charged on my account since then

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was notified this year that on XXXX and XXXX of 2018 that my credit report through equifax was involved in a data breach twice. I have obtained no other information except for what was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am merely following up with # XXXX since there is no way to send email. WHY is Cap1 telling me a payment is due if they are still researching, they MUST FREEZE my account. I have paid it off in full, and had XXXX balance prior to the fraud. they MUST not require a payment from me, I want to file charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: CT

Complaint narrative:
Hello Plaza Home Mortgage.In your letter dated XX/XX/2019 you gave to the CTPB untrue information.You never ever put my {$2000.00} deposit into an XXXX papers. 
So please send me a {$2000.00} check to my address or add to total loan, before i will take legal action against you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I have been in contact with Portfolio Recovery Associates, LLC. 
by certified mail since XX/XX/2019. I have repeatedly disputed the collection the company is reporting on my credit file, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local laws. I have asked they provide validation that is competent evidence bearing my signature, showing that I have had some contractual obligation to pay them. 

The first letter was sent certified on XX/XX/2019 The second letter was sent certified on XX/XX/2019 and XXXX The third letter was sent certified on XX/XX/2019 Portfolio Recovery Associates have yet to provide me with validation that is competent evidence bearing my signature, showing that I have had some contractual obligation to pay them. 

I have maintained a careful record of my communication. I would now like to file a complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
There was a dispute sent to Resurgent Capital on my behalf for 2 accounts listed under their name to verify debt and accuracy of collection account. They've sent a letter on refusing to investigate as per FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I had a credit card balance transfer rate with Comenity Bank Mastercard with 0 % interest until XX/XX/XXXX. I paid this balance off on XX/XX/XXXX before the 0 % promo rate expired. In fact, I overpaid this account by {$100.00} and they sent me a refund check for the {$100.00} on XX/XX/XXXX. 
They then decided to start charging me interest and late fees after the account was paid off and had a {$0.00} balance. 
I have correspondence with several customer service reps from the bank. One agent took off the {$28.00} late fee and another stated he would XXXX  my account out however this still hasn't happened. ( see attached email stating he would XXXX  out my account ). 

In turn they are calling me, texting me and harrassing me for having a {$30.00} balance which I do not owe. 

I have called numerous times and get nowhere. I don't need this mark on my credit report. 

I am attaching a copy of my XXXX statement of a WARNING NOTICE in RED that states I need to pay my balance of {$1700.00} by XX/XX/XXXX or I will be charged interest. It will show on my XXXX statement ( also attached ) that on XX/XX/XXXX I made a payment of {$1800.00} ( {$100.00} more than I owed ) and that on XX/XX/XXXX the bank sent me a refund and also charged me interest, even though the balance was paid off on XX/XX/XXXX, 4 days before the promo 0 % interest rate expired. 

I am also attaching the email from the agent who said he made my account balance {$0.00} however that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: WA

Complaint narrative:
On dates XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 I submitted requests to liquidate my account and have the funds transferred into my linked bank checking account. They did not process any of those requests and insisted I continue to submit requests via their app. So I did. It is not one month since my initial request and the funds are still with MoneyLion and not with my linked checking account. I called today XX/XX/2019 and they informed me that it will take an additional 3-5 business days for them to escalate the issue and an additional 7-10 business for them to liquidate my account again and an additional 3 business days for the ACH transfer to process. a total of an additional 18 business days on top of the one month that has already lapsed. This firm is holding my money without my consent and I need access to it immediately! This company needs to be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Received an email from Experian monitoring stating my credit utilization was 73 % and my next step was to open a new credit card to increase credit utilization and FICO score. Within minutes, I applied and was declined. Instantly I recieved another email fro. Experian informing my credit FICO dropped 3 points. I called and complained you XXXX dispute specialist, XXXX in marketing and XXXX membership supervisor. 
1. Email was predatory telling me my credit utilization on XX/XX/2020 is 73 % and my next step is to open another credit card. 
2. My actual utilization rate on XX/XX/2020 is 63 %. 
3. Experian batted me to apply for a new credit card and provided me with inaccurate information to use in my decision. 
I want the inquiry deleted.

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 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was about to change my bank from XXXX XXXX  to XXXX XXXX. I closed my Visa credit card with XXXX XXXX. There was no outstanding balance. I do not carry running balances. The credit limit was {$18000.00}. 


Shortly after this, PNC Bank sent me an approved Visa Card with an {$18000.00} credit limit. I did not ask for it. I did not activate it. I do not have a banking relationship with PNC. I have since cancelled the card. 

Yet, when I applied for a credit card and requested the same credit limit, I was denied. I checked my credit report and found that, though my credit rating score was about 820, the PNC card was listed. This prevented me from getting the card I wanted from XXXX XXXX ( only a {$3500.00} limit ). 

The banker at XXXX XXXX told me that it is illegal for a bank to send a card that affects my credit without my having asked for it. Them doing so, affected my ability to get the credit I was seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX. I had a debt with XXXX for approximately {$820.00}. I called them for a settlement and they explained that this account has been sold to CBE Collections Group. I called CBE and received a settlement offer for {$410.00}. This amount was paid and settled on XX/XX/19. I need a letter from CBE with confirmation of payment according to settlement offer. Im unable to get same. CBE referred me back to XXXX who refuses to give settlement letter, because they apparently still owns account despite selling and refuses to now accept payment of settlement and demands full payment before letter can be issued. All attempts have failed to get XXXX to cooperate with settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: UT

Complaint narrative:
I would like to lodge a formal complaint against new American Funding for indiscriminate charges on my ESCROW account for Hazardous Insurance. At the time we opened the loan our HOA provided to them documentation that I do not need HOI from them. Over the years they ignored my request to stop charging me.

I am reaching out to you for a total collection of all my yearly payments toward HOI. I would like my collection to be applied to my principle.

I have resubmitted ESCROW Account Waiver form : Our HOA insurance company is XXXX, I have been charged {$1000.00} yearly. 

Sincerly XXXX XXXX, XXXX, XXXX ( XXXX  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc.
State: HI

Complaint narrative:
Someone from RMS continually calls my work. They ask that I be pulled from meetings and from religious services. They harass and give a hard time to our receptionist and office manager. They have called daily for almost a month. I asked them to stop and they refuse. I do not believe I owe this debt.

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 2020-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After sending several letters to Experian requesting verification of a Bankruptcy that is currently being reported on my consumer report, they continue to reply stating that the Bankruptcy has been verified and continues to be reported. After requesting information on how that verification took place, they continue to respond the same way. Under the laws that govern the FDCPA, to verify a debt or " Bankruptcy '' you can not verify a Bankruptcy through 3rd party means. After speaking with the United States Bankruptcy Court District of Nevada, they have already made it clear that NO information is reported to ANY credit bureau. In such, means that the credit reporting agency is getting their information from a 3rd party, which is not legal for reporting.

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 2020-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have 12 student loans that are serviced by Navient. On my credit report it shows 90 days late for 12 accounts. As you can imagine this has very adversely effected my credit score and future endeavors. It shows 90 days late in XXXX, XXXX and XXXX of XXXX. These payments were to have been in " in school deferral '' as I was enrolled in XXXX  XXXX University at XXXX and also accepted into XXXX  College finishing my XXXX certificate. There was not a 6 month lapse in my enrollment during any of these transfers. I finished one semester in XXXX of XXXX ( attached statement for the classes ) and was enrolled in XXXX College to pursue my XXXX XXXX by XXXX of XXXX. I have contacted this company several times in XXXX ( XXXX, XXXX and again in XXXX ) and also in XXXX of XXXX concerning this matter. These should not be reported as late pays on my credit report, I was enrolled in school and also well within the 6 month deferral period before I was transferred. I asked for these to be removed and sent requests via dispute the credit agencies, but yet nothing was done and these are currently very adversely effecting my credit score. The agency when I was done with school ( between my bachelors and certification, and also the year I took off to have my son ) would push me into deferrals when I was attempting to do an IBR plan so that I could begin making headway on this debt and after several attempts I am now in an IBR plan. I request again that these negative reports are removed from my credit report on ALL 12 accounts. I do have dated acceptance letters from the college ( XX/XX/XXXX for XXXX and XX/XX/XXXX for acceptance into the fast track program at XXXX College ) I also have a statement dated XX/XX/XXXX for the payment of my fall semester ( XX/XX/XXXX-XX/XX/XXXX ) to XXXX. 

I request that this be removed from my credit report as late pays and adjusted as current for these time periods as accordingly to the facts of the matter. I also request that any late fees be adjusted to the loans for this time period. As stated I requested IBR for several years as to get started on payment of these loans and was told to do deferral instead, and now I am five years after first requesting it in an IBR plan and when running my credit for a home purchase discover these late pays that were incorrectly reported and again are VERY adversely effecting my credit score and future. 

Thank you so much for an assistance in this matter and please let me know if I need to forward any of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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:
equifax will not accept a dispute, on line or phone, they put me on hold half hour and say they can not find my file, they are reporting incorrect info to my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Garcadia Financial LLC
State: GA

Complaint narrative:
I was car shopping on XX/XX/2019 and found a car that I was interested in at XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX, GA XXXX I expressed to my sales rep that I did not want to apply for financing yet before looking at my other options because of the hard inquiry. He literally said that it would not do a hard inquiry and that I should at-least see if I'm approved before leaving. So he talked me in to it ***as long as it did not do hard inquiry*** XXXX & XXXX CA both did a hard inquiry on my credit that day, XX/XX/2019, unauthorized. 

I can not find where to dispute this with the companies. 

The next day I purchased a car at another dealership. The XXXX inquiry on XX/XX/2019 was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX

Complaint narrative:
New checking account sign up bonus of {$400.00} not received after fulfilling the terms.

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 2020-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of america calls my personal telephone number 3 times and day then starts speaking in XXXX I THink ). I don't speak XXXX. It is a computer doing the calling. 

I don't have a Bank Of america account and I have never had a Bank OF america account. 

Please make them stop.

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 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation