vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 I received notfication that a payment of {$130.00} was 30 day delinquent I reached out to the company COMENITYCAPITAL/XXXX to express my deepest apologies that I had been ill and bed ridden.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: LEXISNEXIS
State: NJ

Complaint narrative:
I tried disputing an erroneous bankruptcy that LexisNexis has been reporting on my credit report. On XX/XX/2019 and on XXXX XXXX, 2019 they received a copy of my dispute via U.S.P.S priority mail confirmation. LexisNexis failed to investigate or respond to my dispute. According to the Fair Credit Reporting Act, they had 30 days to investigate. They failed to investigate. This item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. There is Discover Financial Services account ( acc no : XXXX ) in my XXXX  report that is opened fraudulently. I did not authorize to anyone to use my identification information opening fraudulent account. I sent a police report and FTC Identity theft report to XXXX  credit reporting agency and Discover Financial Services but they refused to help me to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I reaffirmed my mortgage with Santander Bank, N.A. when I  filed for chapter XXXX Bamkruptcy in New York State in XX/XX/XXXX. I have proof the company received notification of this reaffirmation. Since early XXXX, Santander has insisted this mortgage was included in the bankruptcy filing and reports this as closed on XX/XX/XXXX. Santander did not close the mortgage account but briefly transferred it to XXXX XXXX  XXXX then back to Santander with a different mortgage number!! None of this has been noted on my credit report. In fact NONE of my continued ON TIME and UP TO DATE payments have been included in my credit report. Other than the false statements about including my mortgage as part of my bankruptcy filing and the mortgage being closed on XX/XX/XXXX, there has been NO MORTGAGE INFORMATION listed on my credit report for almost two years!!!!! PLEASE HELP!! 
I have made numerous calls and have written to Santander to no avail. I have filed disputes with XXXX XXXX, XXXX and XXXX. Apparently none of them require any documentation from the bank and only report what the bank tells them. NOT GOOD!,

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 2020-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
This company began calling me on XX/XX/2019. At first they left me a couple of messages and since then all they have done is call me repeatedly. The phone calls start as early as XXXX XXXX, no matter the day of the week and as late as XXXX. They have called me sometimes 7 times in one day and I am now getting texts and even XXXX messages from people that I don't even associate with, asking me if I have put their names down as a reference or something because they are also receiving multiple phone calls from this company. One person I haven't had any actual contact with in almost 15 years! This week they have started calling me at my workplace and they call there multiple times a day as well. They have even asked the receptionist personal questions about me. My phone company has tagged them as a " spam risk '' so I don't even know if they are legitimate. I feel as though I need to block the number but that will not stop them from calling my workplace and other people they feel I am in touch with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-14 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-14 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: CA

Complaint narrative:
The following account is fraudulent and must be blocked from my report ; XXXX XXXX XXXX, This was blocked by Experian when reported but they added it back recently with no reason. 

attached is the Theft report from the FTC that was reported in 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 non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2020 at around XXXX XXXX  my boyfriend walked into the Chase bank on XXXX XXXX XXXX XXXX NY XXXX to make a deposit of {$1900.00}. After being prompted to put the cash in the ATM machine the ATM machine accepted the money the screen had a circle like it was loading then it just went blank. After a while it restarted and started installing a update, After the update it released my debit card from the slot and it said this ATM can no longer be used and then it restarted again back to the main screen like it was good again. It never printed a receipt nor did it acknowledge the deposit. He immediately calls the number on the ATM Machine and talks to support which take all the information and let him know that within 12 hrs they would credit the account with the amount of the deposit until they do an investigation. While this is happening he texts me whats going on so I walk to the bank. I am the account holder XXXX XXXX. When I get there I also call from my phone to support to explain to them that I can not wait 12 hrs for my deposit to appear in my account. The reason we were depositing that money was to make a payment for our car that had gotten repossessed and they had given us till XXXX XXXX   that night to make the full payment or the car was to be sold at an auction. The lady from support assured me that within 12 hrs I would get credited the money or even sooner. It is now XX/XX/2020 XXXX XXXX  and Im yet to get any credit on my account. After several calls to Chase support now theyre saying that I have to wait 10 business days for any credit to be put in my account and that there is nothing they can do! I dont know what to do this is beyond unfair and theyre being really insensitive about my situation. On XX/XX/2020 my house was burned down and me and my family were left with nothing! And now I have to deal with Chase taking my money! Im sure they have some kind of protocol they go through with these kinds of situations but theyre treating me like Im guilty of some kind of crime! There was {$1900.00} deposited into that ATM the last of our hard earned money and they are holding my money hostage!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I am in receipt of this correspondence from Ditech paralegal alleging that I still owe a balance .Number one its clear this paralegal is inept and does investigates matter thoroughly because my original complaint stated that although I closed on XXXX, I vacated the premises XXXX. I could have opted to not pay the XXXX mortgage and include it in closing, but I remained compliant in my routine of paying my bills in a timely manner. My lawyer will confirm that the payment to Ditech was received much sooner than they are alleging, and they have a signature confirmation to support that. However, Ditech refused to speak to my attorneys office when they called to confirm this information stating they are not authorized parties. Despite them being one of the attorneys who handled the closing. Additionally, when the firm attempted to conference call me in to authorize consent for Ditech to speak with them, Ditech refused and disconnected the call. Here you are Ditech. I XXXX XXXX give you permission to speak to the law office of XXXX XXXX at XXXX XXXX XXXX, XXXX, Virginia XXXX. His phone number is XXXX and his fax is XXXX. Lets compare confirmations to see whats really the truth. So, let me make sure I understand this correctly, on XXXX Ditech notifies XXXX  XXXX and tells them that the loan I have is paid in full. I have that call on a saved recording, the party at XXXX XXXX confirmed that they would be sending me confirmation of payoff in 30- 45 days from XXXX. However, Ditech references the same date indicating their records show I am in a shortage and to remit the payment to them when the loan was transferred to XXXX XXXX. Now this correspondence state to remit the fictitious balance to XXXX XXXX who has already stated that there is no balance. So, because Im very familiar with the stall tactics that Ditech does and how basically the CFPB does nothing I have enlisted the help of every Senator, Governor, congressman, delegate, and news paper publishing from Florida to Virginia. I am not playing these games anymore with either Ditech or CFPB anymore. I am in the process of requesting my credit report, if AT ALL there is any type of issue with my credit as it relates to the fraudulent handling of my account with Ditech I PROMISE YOU I will take this company down and ruin every opportunity for any investor or share holder to hold faith in them. TRY ME!!! When they were green tree and doing fraudulent activity, they were fined and ordered to pay restitution and NOT ONCE paid one borrower that because they have been able to dodge paying their debts by filing bankruptcy repeatedly. Since XX/XX/XXXX, their practice has been reported by a multitude of consumers and yet they continue to fraudulent deceive consumers. Im not done with this mater at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander USA has violated Public Law as coded in 15 USC 1692 et al and not given consent to contact me, distribute my personal information or misrepresent themselves as a creditor. This will serve as " NOTICE TO ENFORCE UNITED STATES LAW/FEDERAL LAW '' and demand for removal from my credit report. In addition to this, Identity theft has also been committed by Santander. This company attempted to sell my personal property without my consent, to another 3rd party, which also constitutes " identity theft '' and possible mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This collection agency has been calling my XXXX year old mother and harassing And threatening her. They threatened to take her social security. My mother is In fragile health and is now a nervous wreck. The debt is not hers. She was a reference listed on a credit card application from 11 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I took out a loan online with Mobiloans.com after receiving a pre approval in the mail. The interest rates they provided to me were way less than the fees being charged now. The online site sends you to a portal showing payment plans involving 12 payments of $ XXXX   monthly to pay off a loan of {$1500.00}. I made sure I read this thoroughly understanding Id be paying {$300.00} in interest ( repaying a total of {$1800.00} ) now they are trying to withdraw {$150.00} weekly. I spoke to a representative that informed me I only had 11 weeks of making {$150.00} payment and the loan would be payed off. THIS IS NOT TRUE they have collected {$180.00} so far on a loan I took out approximately XX/XX/2019 and only {$30.00} has gone to the principal. This is a preditorial loan and would like to see what options I have. After researching their site ( not being able to find the previous portal stating I would only pay {$300.00} in interest fees ) their loans average at a 200 % + interest rate

Company response to consumer: Untimely response
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I've disputed this transaction with Transunion 3 times already, every time I call them to advise debt has been paid and I have documentation to prove it, they advise me that a dispute has been started, but actually do not start one. I have continuously asked for proof that a dispute has been submitted, and they continue to refuse to provide one. I have tried submitting disputes online as directed by Transunion, but their website never works, and I've advised them the latter. I also called the credit collection agency and gave them authorization to talk to Transunion regarding this matter, Transunion will not contact the credit collector to inquire about the debt. I have tried calling Transunion over 15 times, and i keep getting bounced from one supervisor to the next, with no action taken. I have mailed a letter to Transunion with a receipt of debt payed, still nothing.

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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2020, I went onto Equifax 's website to dispute an address ( XXXX XXXX ) associated with an account that does not belong to me. I was notified on XX/XX/2020 that the address was deleted from my credit report. Today on XX/XX/2020, I went back on Equifax 's website and seen that the address was re-inserted. Equifax is supposed to notify me within five days of the re-insertion. Equifax has done this before numerous times and never notify me when it's re-inserted onto my credit report. Calling a debt collector to " verify '' an address is not verifying. The address is not on my XXXX  report or my XXXX  report. I will file a lawsuit if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: SC

Complaint narrative:
Found out that I was a victim of identity theft back in XXXX of 2019. Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to Experian, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the 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 2020-01-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, were made 2 transactions with Citi Dividend Card ( Last 4 Digits XXXX ). On XX/XX/XXXX 1st transaction was made for the sum of {$820.00}, and I was not aware of this transaction until it was put on my account under ( Credit Card # XXXX ). On XX/XX/XXXX Citi Fraud Department sent a text message to my phone IF I did a purchase for {$590.00} from Card ( Last 4 Digits XXXX ). I responded that its not my card and there was no transaction made by me. My card ( last 4 digits XXXX was blocked ). And Citi sent a new card in XX/XX/XXXX ( last 4 digits XXXX ). And transaction for {$590.00} was resolved as not mine Citi Dividend Last 4 Digit XXXX is Master Card isnt mine. 

The card I had first Last 4 Digits XXXX is Visa. 

On XX/XX/XXXX I was at work from XXXX to XXXX, in XXXX, Documents included Purchase was made in XXXX, NY XXXX XXXX After Citi card Security Investigation,  which in my opinion was not made properly, the sum of {$820.00} was added to my account ( Last 4 digits XXXX ) I was proving that Citi Card XXXX isnt mine, and I couldnt possibly be at work and in XXXX at the same time. 



Im fighting with Citi since XX/XX/2019, Calling Fraud Department, Customer Service, Security Department, and no one is responding adequate. No one wants to listen and solve the problem, which was not made by me from the beginning. 



Please help me to resolve the problem Thank you

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a credit card offer and invitation from XXXX XXXX to applying for their credit card several times during XX/XX/XXXX. I decided to apply for the card on XX/XX/XXXX,, and it was approved with a {$3000.00} credit limit. After receiving the card and activating, I received a notice in the mail dated XX/XX/XXXX stating that the credit card is closed. Following the closing statement, I received another notice which states how to use the card and how to earn maximum points. 

It is disturbing to find that Comenity Bank used my personal and financial information, and now I have a hard inquiry on my credit report. The way they handle business is very unprofessional. I have not used the card at all and did not intend to use it for day to day purchases. I was planning to use it only during our trips to XXXX XXXX. 

I am requesting XXXX XXXXComenity Bank to reopen the card or remove the inquiries from my credit report from all reporting agencies such as XXXX, XXXX and XXXX   and send me a written confirmation that all the inquiries removed. 

I contacted the customer support and discussed the matter XXXX ( ID XXXX ) on XX/XX/XXXX around XXXX to XXXX XXXX  but he wasn't able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: BB&T CORPORATION
State: UT

Complaint narrative:
BB & T # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.

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