vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Hosto & Buchan, PLLC
State: NC

Complaint narrative:
on XX/XX/XXXX I lived in XXXX and my ex husband and i both was on the loan to the vehicle that was a repo. we never heard anything from the company that financed the truck until XX/XX/XXXX I was living in XXXX not my ex he was in XXXX They original company sold the loan to a company in XXXX that collects old debt and XXXX is a wage garnishment state, XXXX is not where he my ex still lives. I filled out all the papers and sent them back to the company/civil court in XXXX and heard nothing about the case for 2 months I then was offered the opportunity to move back to XXXX in XX/XX/XXXX and I moved back here where I currently live. This weekend I received a summons to go to court in Arkansas in XX/XX/XXXX I called them and said I dont live in XXXX I moved last year and was told if I do not go to court then I will loose automatically a judgment will be issued and they will get money from my wages. This is why they did not sue my ex XXXX  is not a wage garnishment state no court in nc will do wage garnishments but XXXX   will and being I do not live there how can they sue me the truck was repo from XXXX and me and my EX live in XXXX plus XXXX has a 3 yr SOL on written contracts its been Three yrs the last payment made was XXXX XXXX and I am the only one being sued when there are two name on the buyers contract? Please what do I do I cant pay XXXX XXXX dollars for a truck I do not own.and its a very old repo

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received an email alert saying I have a new document to read on my Victoria Secret credit card account online ( in XXXX of this year ). In the letter stated they were closing l my credit card due to inactivity. I had a XXXX  balance on it and had it for over a year. In XXXX of this year we had this COVID 19 pandemic. I obviously wasnt worried about using my credit card to buy bras  panties ect when my grandfather was on his death bed for a couple of months. I tried re applying and the operator said they usually do not re open closed accounts. I dont understand it was on good standing besides the 2 times I was having bank issues and my checks bounced. But that wasnt the reason for the closing because I changed my bank continued making payments and purchasing. Id love to open a new card. I tried already and got deed. Its on my credit report and Im worried it has impacted my score. This same exact thing happened with my XXXX XXXX  credit  card and my XXXX XXXX credit card. I need some advise on what to do. 

My credit score was quite good and I'd love to have kept it that way. Unfortunately thats not the case anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery keeps repeating calls after being told to stop from multiple numbers from different states at random hours throughout the day and night 7 days a week, and was told this number is on a do not call list and to send any communications through the mail and not to contact this number and that it was on the National Do Not Call List. Was told they didn't care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC not accepting set up for transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
During Covid-19 pandemic, citibank is refusing to remove late fees, even though the business i work for us still closed and we dont have a date of opening yet. During such a hard times, Citibank doesnt care to remove fees, even though other banks removed it without me even calling 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 monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
During the checkout process for a {$92.00} online purchase from Wayfair, I was solicited for a {$40.00} credit off my purchase for opening a Wayfair credit card ( Comenity Bank ). Because I was offered a credit of {$40.00} off my purchase, I applied during the checkout process. My application was approved and the purchase was automatically billed to the new Wayfair account. I received my Wayfair statement XX/XX/20. I did not receive the {$40.00} credit. On XX/XX/20 I called the Wayfair credit company ( Comenity Bank ). THe  representative said he would complete a dispute on my behalf since I did not receive the {$40.00} Credit. I was concerned because the bill was due by XX/XX/20. He said during the dispute process I would receive a provisional credit. I called again on XX/XX/20 because I had not received the dispute letter or a provisional credit on my account. The representative said they did reach out to Wayfair about the dispute, but had not received a response from Wayfair. She then told me that my purchase did not qualify for the offer. She said they had to wait for Wayfair to respond. Because the bill is due soon, I called back again XX/XX/20 to confirm if the provisional credit was applied and to confirm the name of the bank. The representative said the provisional credit was still not issued. She also advised that because my purchase was less than {$150.00}, it did not qualify for the credit. 

When I was solicited by Wayfair during the online checkout process, it was not disclosed to me that a purchase of {$150.00} was required for the {$40.00} promotional credit. Furthermore, if my purchase did not qualify for the offer, Wayfair should not have solicited me for the offer during checkout of my {$92.00} purchase!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Cbna national credit card cos/airlines ... Numerous unsolicited hard inquiries including burnout limited to these dates XXXX XXXX and XXXX national credit card cos 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 2020-06-29 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: MS

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from 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 2020-06-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have documented all previous disputes and correspondence for the past year of the reporting of several accounts on my credit reports. The latest was a notification ( attached ) to the CRA s of pending litigation if they continue to violate my rights. Equifax has responded ( attached ) and stated that these accounts in question are not being reported on my credit report without sending me an updated credit report that reflects these statements, therefore I ordered a copy of my credit report ( attached ) that clearly shows the items being reported and highlights their violation and false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Requested 180 day forbearance as per the Cares Act. I am going through financial problems due to Covid19 but was told they will only do three months now and another three months later if needed. My wife lost her job and she have not been able to get any unemployment because Maryland have done a terrible job handling applications. I strongly feel that Navy Federal is doing everything they can to go against the CaresAct because they don't want their customers to take the 180 forbearance. One associate told me the three month is in line with the CaresAct. When i sent them a copy of the CaresAct he later corrected himself and said he just can't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX I applied for a refinance with BBVA employee XXXX XXXX. 

I was told I was approved and the next week they scheduled an appraisal of my home and charged my credit card {$550.00} for the Appraisal and another {$32.00} for the credit check. 

For the past 4 months I have continued to be told that I was approved for the loan and that they were behind with processing loans because new home loans were being done so people would not become homeless. 

In XXXX XXXX told me not to make my loan payment to the current mortgage company, because the refinance would be done. It was a good thing that I did not listen to him and made my payment, so that I would not XXXX  up my credit, because it is now almost XXXX and the loan has not been completed. 

I am out {$580.00} for an appraisal and a credit check and BBVA has failed to provide me with a loan that they had promised me. 

I was notified by my insurance company that BBVA has now listed themselves as the Mortgage holder on insurance, which has now caused an issue for me with my current mortgage company. 

XXXX stated that this was being done because the loan was going to be closing soon, but this was done on XXXX and I can not get response when the loan is going to close and it is now XXXX. 

I have emails of all the above conversations with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: MS

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from 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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS/Select Portfolio servicing is changing their address in reporting to XXXX this fraud ; ent accccount. SPS/Select Portfolio Servicing is providing false account updates to show the account being paid down and reporting it as an update to XXXX. SPS/Select Portfoio is providing and false information of having corresponding with me in their reporting of this FRAUDULENT ACCOUNT and having it updated each time I dispute it with XXXX. It was showing as current by XXXX   based on their false reporting of information they supposedly recieved from me. 
Then in a week or less after each dispute I make to XXXX I receive an update from XXXX that the the fraudulent account is now late and the reporting address hanges from a po box to a physical address in Utah. I asked SPS/Slect Portfolio to CEASE AND DESIST under the FCRA/FCDPA. SPS/Select Portfoilio continues to report a fraudulent account in my name. 
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX an account established in my name fraudulently. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a CEASE AND DESIST to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: OR

Complaint narrative:
In XXXX there was a collection from XXXX XXXX for an unpaid phone bill that appeared on my credit file. 
I was in the process of refinancing on my Mortgage and all unpaid collection account needed to be paid in full in order to complete the Loan. 
The account was settled. I was told by the XXXX collection department that this will be removed from my credit file. 
Now in XXXX this XXXX account still appears on my report. 
This account does not belong to 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 2020-06-29 00:00:00
Product: Debt collection — Payday loan 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: Applied Data Finance, LLC
State: FL

Complaint narrative:
A man Named XXXX XXXX phone number XXXX called my Mothers phone who is not even listed on my account nor had permission to talk to my mother told her her sent me certified mail, wanted to know my information and even told her my Social security number. This may very well could not have been my mother but a stranger he talked to not knowing giving my personal information to. My mothers name, phone number or any information was not linked to my account. 

After hanging up with my mother he called my XXXX year sons phone left a detailed message on his voice mail that states his name not mine yet again he left my personal information on a 40 second voicemail about certified mail, debt collection needing a call back left 2 names and again the last 4 of my SS #. 

This is a direct violation of anyone rights. The dept collections process should not have happened at all. I fill like my information is just being handed out to anyone and everyone by this company. None of the people they have contacted where on my contact list nor did i give them phone numbers of the people they have contacted. I am now worried they are calling people at random giving my private information out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX Cell XXXX My bank account is I dont have overdro with my bank And when I open the account I ask my banker I dont need over drow plane to my account if I have money in my bank when I use my card ok if I dont have money dont let the bank make transaction and add fee to my acount What I need 1- all the money for the fee it goes back to my bank account 2- my account go to positive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This complaint is made against Comenity Bank and XXXX XXXX. The last purchase made at the XXXX XXXX retail store in XXXX, GA was XX/XX/XXXX for {$130.00}. Since that time, there have been no additional purchases. The current balance due as of XX/XX/XXXX is {$970.00} due to late fees, and a predatory interest rate of 26.49 % Contacted Comenity Bank ( XXXX, OH XXXX ) XXXX to request a settlement on this outstanding debt. Multiple attempts to get a settlement option have been unsuccessful. Each time being told that was not an option. On XX/XX/XXXX, I was transferred multiple times, spoke with 6 representatives and requested a settlement offer from each of them. I was told repeatedly that a settlement was not possible -- since a partial payment was made on XX/XX/XXXX. No additional payments were made, the account was again in arrears on XX/XX/XXXX when I called Comenity Bank and attempted to negotiate a settlement to resolve the debt. Again I was transferred and spoke with 3 representatives, the last was a supervisor, " XXXX '' who was curt and dismissive. I would like to settle this debt for far less than the current {$970.00}. since the original bill was only {$130.00}. 
On XX/XX/XXXX I called and spoke with XXXX who offered an option but could not provide a confirmation in writing before the payment was made that it was to be a final settlement. Given the recent difficulty this is unacceptable. 
Here 's the backstory -- in XXXX I relocated from XXXX, GA to the XXXX XXXX area while my home was being renovated. I had a XXXX XXXX in XXXX I am very embarrassed and somewhat distraught over the neglect of this account. The balance increased on this account due to late fees and interest charges. This is a request to remove and or significantly reduce all bank fees and interest fees.I am willing to settle and close the account. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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