vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX  was deceptive in offering promotional payment plans. They marketed the plan as the bank will calculate the minimum payment each month to pay off the balance prior to the due date. The automatic payments were made for 17 months. In the end, the payments were reduced by the bank to leave a small balance and move these charges to the higher interest rate. The next payment was not applied to the balance with the higher interest rate. The payment was applied to balances with lower interest rate. 

The Bank and XXXX XXXX were very deceptive to lure the customers into thinking the bank calculated the payment amount to avoid higher interest rates. The ultimate goal of the back was to push balances to a higher rate and make it difficult for the customer to avoid interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XXXX i requested for a pay off demand. I have not received anything as of XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: NV

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX has and is reporting inaccurate information on reports from XXXX, transunion, and XXXX. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.

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 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Ria Envia, LLC
State: SC

Complaint narrative:
They say only their company payment method is allowed. No longer accepts XXXX XXXX or any other app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Communicating with Chime, going on 3 weeks now. 
I have saved up money overtime within my XXXX account. I thought about having a Chime banking account. I heard great things about the Chime online banking services. I decided to have my money to be housed there, therefore I opened both a checking and savings account with Chime bank online. All of my money was out of my XXXX account and into what I thought was a legitimate financial institution, went into both checking and savings accounts, subsequently and combined to a total of {$21000.00}. Chime, without notifying me or providing any documentation by mail, has closed both of my checking and savings accounts. Since XX/XX/2020 I have not been refunded of my money. The Chime bank never gave me a better understanding as to why my accounts with all of my money in it should be closed. I complied with all of the rules of this bank. I provided all of my identification, proof of address, and a written explanation on the origin and intended purpose of my money via email to them. It's been well over 2 weeks that I haven't gotten a response or seen a delivery of my check in the mail. According to their deposit agreement, I and the bank can close my accounts for any reasons. Also, the bank has within 14 days to issue back to me my balance if it's over {$1.00}. I haven't seen a dime of my money. I have to take care of my family with this money. I want my money back. I can not ever get a hold of someone at this bank by calling their XXXX number nor a legitimate explanation as to what's going on with my money and the whereabouts of my money whenever I have spoken to the bank representative. I just want my money back. I feel as though they've violated me beyond my civil rights. All of my communication has pretty much been communicated through emailing them at this email address XXXX. And whenever I've called, I'm not getting nowhere to a resolution about my money being refunded. I have waited out the following 14 business days because after an account closure the bank supposedly will refund the money in the accounts. I spoke with Chime Bank floor Manager XXXX, XX/XX/2020. All relevant information requested was provided to them. And XXXX acknowledged receipt of those documents. According to her, the accounts are closed and the system won't generate a refund. XXXX stated there's no refund. This Chime bank fraudulently took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I filled a I filled a Dispute in regard to the inaccurate items on my credit report its been will over 35 Days. I am distressed i haven't requested any information on the investigation.

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 2020-10-26 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: NV

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
I requested a loan modification since I was furloughed from my employer of 17 years, in XXXX XXXXI remained furloughed up until XX/XX/2020. I was recalled to on-call status and have worked 1 day a week since. I anticipate this to become a hardship to pay my mortgage. Fortunately I had a small saving to save me. That savings is dwindling and I have been trying to be proactive by addressing the matter with my mortgage company. since I have not been late yet or defaulted the mortgage, and supposedly home has a hight LTV, they denied my modification. 

My major problem I have with the company is the BPO they charged me {$85.00} to do. After reviewing my copy of the BPO it was apparent it was completed totally wrong. In addition to SLS determining I do not have a qualified hardship, they also concluded I have too high of an LTV to qualify as their list of reasons I was denied. Their BPO they charged me {$85.00} for is wrong by over {$40000.00}. No exaggeration, they used completely inaccurate data. The comparable homes they used to valuate my 1-Story home, they used 2 STORY homes which are significantly different when it comes to valuating. 

I feel that its almost a scam to welcome customers and especially desperate customers nowadays due to COVID, willing to spend the {$85.00} to try and see if they can get assistance with their mortgage. Little does anybody know they are deliberately undervaluing homes. 

I want them held accountable. I want them to re-evaluate the property thoroughly. It's not about the {$85.00}, its the principle. Or Even if its just a BPO there are plenty of model matches to my home IN my community they could have obtained their data. Had they done their BPO correctly they would have found my LTV to be at least 75 %. They would not be able to use excuse I had too high of a LTV.

I have escalated this complaint about the BPO company to the State of Nevada Department of Business Real Estate Appraisal Division.

I also submitted an appeal to the SLS for their Denail of my Loan Modification.

I have copies of BPO upon your request. 

Thank you, 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 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.

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 2020-10-26 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:
My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.

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 2020-10-26 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
in XXXX of 2019 i made a vehicle lease payment of XXXX dallors i was XXXX dallors short of making the correct payment and GM financial reported a late payment to my credit report which i want removed becuase i made a payment the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One decided to freeze my funds because of spending pattern. I was told the investigation could take up to 90 days. After the 90 days I decided to call and Capital One still has nkt rendered a decision. We are in a the middle of a pandemic and Capital One is holding on to my funds unlawfully and beyond the 90 day scope i was initially told

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XX/XX/XXXX i used my new Kohl 's store card XX/XX/XXXX i recieved a call telling me my account was past due. - i talked with the customer rep and explained i had yet to receive my statement from Kohl 's. They checked and verified all of my info and corrected my email address. They said that if i could pay the account right then they could waive any late fees or interest charges. I did and thought the matter was resolved until XX/XX/XXXX i saw they had reported the late payment on my credit history. I called Kohl 's to get it rectified but after several hours and many more operators they sent me a letter stating they didn't feel it was their place to change the report and if i didn't like it to contact you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi bank has been reporting two of my accounts as 30 days late since XXXX and XXXX respectively, up to the current date. I, however, I was paying as agreed during these months after receiving three months of forbearance. I called every month to tell them during COVID that I could not pay. When I login to my accounts online, they don't even show a past due amount. When I ask a customer service representative for what is past due, they say nothing. I ask to speak to someone that can resolve internally so that it will not be reported incorrectly going forward and they say they don't have a credit dept.

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: CA

Complaint narrative:
I signed as a Guarantor on a lease agreement for my Nephews apartment on XX/XX/XXXX. My nephew was served eviction paper work through a process server on XX/XX/XXXX. My nephew hired a lawyer on XX/XX/XXXX. The case was settled due to a breach of contract on the plaintiffs end. They dismissed and forgave any past due rent and paid my nephew {$4000.00} to move out on XXXX XXXX. forfeiting his {$2000.00} deposit for any damages. On or around XXXX, XXXX I started receiving collection attempts on the past due rent/damages. On or around XXXX, XXXX this false/invalid/dismissed debt collection of {$14000.00} was reported on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I contacted Ally Financial and inquired about about a {$32.00} late fee they had charged me being XXXX year old XXXX veteran Im on a set income I never have missed a payment I had all my payment receipts so they corrected the mistake and took off the late fee. 

But asking what my balance was I was told by the representative that at 10.35 percent interest fee what my balance was And thats where the next problem Begins because on my contract it says 10.34 percent Not 10.35 interest I told him according to my contract it should be 10.34 percent he gave me the number to the Contract Revision Department So on XXXX XXXX @ XXXX Wednesday I called the Contract Revision Department and they would not correct the problem saying theres nothing they can do so I asked the guy you mean to tell me that although I have a contract that I signed in front of me at the interest rate of 10.34 % which is the rate I accepted this automobile loan for that you guys can raise the interest 1 % and say its on me this is outrageous you people are ripping off me off as a XXXX veteran and a tax payer of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied for a Home Depot credit card on XX/XX/XXXX. The card was approved, and website had a promotion for {$50.00} off of my purchase amount. Due to not receiving an immediate email I called HD credit and was told not to worry as {$50.00} would come off on my first statement so order was processed. When the {$50.00} did not come off of my first statement, I called and received an apology telling me to pay the balance less the {$50.00} and it would clear ASAP. That did not happen and when I received a follow up statement, I called again and was assured they were working on it. Yesterday I learned they are unwilling to honor this promotion as I qualified for a another promo, which I assume relates to interest rate however I paid the card in full within 30 days and they would not explain the promotion? Regardless I went ahead and paid this undue money and closed the account due to extreme dishonesty XX/XX/XXXX. I did file a formal complaint with the Home Depot organization, complaint number XXXX. At this point the fraudulent activity needs to stop with this extremely dishonest organization, which is the reason for this complaint. 
Thanks, 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 monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DC

Complaint narrative:
I received an envelope containing paperwork for garnishment, but I havent been sued by this company. The envelope didnt have a return address on it and the postmark was significantly later than the date of the summons : XX/XX/2020. Once I opened it, it appeared to be legal paperwork from a court. The plaintiff is Jefferson Capital System LLC. Theres no information identifying the plaintiff other than their name. No phone number, no address. The contact information for the attorney is invalid ; the phone number has an odd ring that sounds like a record thats skipping. I XXXX  Jefferson Capital System and called their toll-free number. There was a recording indicating that callers can get debt information by entering a file number, which strangely wasnt listed anywhere on the paperwork I received, an account number, which would be assigned by Jefferson, or a social security number. Theres no file number on the paperwork, nor is there an account number. I had to use my social security number. The recording indicated that theres no record in their system containing my SSN. Im not surprised since I dont owe them any money. 

Lastly, I noticed that this paperwork was supposedly sent to my employer. My listed employer is a company I never knew existed until today. How can I possibly work there? 

This could be a scam, but I see it as harassment. Rogue collection agencies think that they can scare uninformed consumers into sending them money. I dont operate like that. I will not even listen to, nor respond to anyone who doesnt approach me correctly. I have no idea what this debt is or who it belongs to. I have never gotten one phone call from this company. Ive never received any other notices from this company. The legal contact listed on the paperwork is bogus. I should be enjoying my evening right now. Instead, Im wasting my em time responding to a false allegation. 

I threw their paperwork in the trash at the gas station when I stopped to fill up my car. After thinking about it, I got angry and decided to file a complaint with CFPB.

Company response to consumer: Closed with explanation