vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Via utilization of my XXXX store card ending in XXXX, issued by Comenity Bank, I purchased an article of clothing in the amount of {$21.00}. As the item proved too small, I returned it for a refund which - per the attached - XXXX  credited to my store account. 

In an effort to accommodate Comenity Bank, I had agreed to go " paperless ''. Unfortunately, I never received an ( e ) statement - perhaps it went into Spam? - and so my account went into past due status. On discovering the problem, I contacted Comenity Bank and agreed to a direct transfer of funds in the amount of {$22.00} - which included a small amount of interest - to settle the account. Subsequently, my bank - XXXX XXXX - made the transfer from my account ending in XXXX on ( or about ) XX/XX/2020. 

I've now received the attached letter from Comenity Bank stating it can not issue me a new store card " due to the status of your ( my ) account ''. Thus, they are denying me the {$21.00} credit balance - via the refund from XXXX - on my store card. Irrespective of Comenity Bank 's insolence, I am entitled to the credit balance on the account ending in XXXX. What's more, I feel I am entitled to some reasonable amount of damages. 

( Fyi, I just finished applying for a mortgage loan. In that process I learned my XXXX  score is XXXX. One doesn't merit such a high score if you don't pay your bills! )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am being abused by American Express and this is no lie. On Saturday XX/XX/2020 I received a text message at XXXX XXXX  from American Express. I called them back. Three different times, American Express tells me I am 60-days pass due for an amount of {$130.00}. My due date was XX/XX/2020 and I submitted a payment that was I short of {$170.00}. That was my error for selecting the wrong charges to pay over time and both American Express and I were aware of it and we had a long phone conversation about it. I was upset about the late fees so the rep was kind enough to back those out. Then out of nowhere, the XXXX storm begins. American Express tells me I am 60 days pass due for an adjusted amount of {$130.00}. I was strong armed into paying {$130.00} even though I had until XX/XX/2020 to pay the shortage. I pay the pass due amount on Saturday XX/XX/2020 and received a confirmation email. Then on Sunday, out of the blue, I get another XXXX storm of emails from American Express. My American Express card was suspended in XXXX XXXX. A second email from American Express wanted to " thank me '' for my recent commitment to make payment ( s ) on my account, i.e., a Payment Commitment Confirmation with a " Pay Bill Now '' link to pay {$130.00} and to also thank me for my card membership. I get a third email from American Express to inform me that my American Express Card was reactivated in XXXX XXXX. Then, I fourth email from American Express informing me that I have a payment due by XX/XX/2020 that includes an additional {$130.00} on top of the minimum payment due by XX/XX/XXXX. So, as American Express pointed out to me, that I had a good payment history but in light of recent events ( presumably late payments ), that is the reason why I am now treated this way. I have not checked my credit reports yet. The reps I spoke with at American Express tells me " not to worry '' but I suspect, American Express may have already submitted negative reports to the three major credit bureaus. This is my 2nd complaint Since XX/XX/2020 about the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a auto loan with XXXX XXXX XXXX ( XXXX XXXX XXXX ). The car was totaled and all pertinent paperwork from the insurance company was forwarded to XXXX. XXXX had placed their own GAP insurance on the auto note. There is a $ 700+ balance that they are refusing to cover by the GAP insurance. 

Repeated efforts, calls and emailed has failed to resolved this issue. There has been no responses to my email. This has reflected negatively on my credit report and has caused me to lose the opportunity to close on a home. Is this an issue that you could help me with? Please advise. 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 2020-03-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a auto loan with XXXX XXXX XXXX ( XXXX XXXX XXXX ). The car was totaled and all pertinent paperwork from the insurance company was forwarded to XXXX. XXXX had placed their own GAP insurance on the auto note. There is a $ 700+ balance that they are refusing to cover by the GAP insurance. 

Repeated efforts, calls and emailed has failed to resolved this issue. There has been no responses to my email. This has reflected negatively on my credit report and has caused me to lose the opportunity to close on a home. Is this an issue that you could help me with? Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a auto loan with XXXX XXXX XXXX ( XXXX XXXX XXXX ). The car was totaled and all pertinent paperwork from the insurance company was forwarded to XXXX. XXXX had placed their own GAP insurance on the auto note. There is a $ 700+ balance that they are refusing to cover by the GAP insurance. 

Repeated efforts, calls and emailed has failed to resolved this issue. There has been no responses to my email. This has reflected negatively on my credit report and has caused me to lose the opportunity to close on a home. Is this an issue that you could help me with? Please advise. 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 2020-03-31 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: TN

Complaint narrative:
This account showed up on all 3 reports I have sent all the info to have it removed and XXXX  and XXXX  deleted this but equifax will not.Pls Help I have disputed and filed a police report and its still there.Can someone pls help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I mailed my check # XXXX for my XXXX credit card statement to XXXX 's XXXX XXXX and paid it in full in the amount of {$150.00} on XX/XX/XXXX. My check was ELECTRONICALLY cashed by XXXX   XXXX XXXX on XX/XX/2020, as seen on my bank statement. However, XXXX 's XXXX XXXX NEVER credited my account for the {$150.00} I paid. I contacted XXXX 's XXXX XXXX twice in XXXX to try to correct this problem via phone. I faxed them in early XXXX and mailed them on XX/XX/XXXX, the info needed to correct the problem. I included a DUPLICATE check ( my checks are 2 ply ... .my original check did not come back to my bank due to XXXX XXXX submitting my check electronically for payment ) along with my bank statement showing XXXX XXXX was paid {$150.00} and a copy of my credit card invoice. In the meantime, XXXX 's XXXX XXXX sold to Cemenity Bank. I received a XXXX Statement from Cemenity Bank with a balance of {$220.00} ( this is from XXXX   XXXX  XXXX {$150.00} plus accruing late fees ) I contacted Cemenity Bank, twice by phone in XXXX, and mailed a letter to them on XX/XX/XXXX, hoping they could help resolve this problem. I received two letters back from Cemenity Bank and one letter back by XXXX XXXX, both stating they needed the copy of the original check front and back showing it was cashed. Again, that is not possible. XXXX XXXX submitted my check ELECTRONICALLY. The check is retained by the payee who submitted it electronically. You will see on my bank Statement on XX/XX/XXXX, check # XXXX was presented electronically with the payee stated as XXXX XXXX XXXX. My bank, XXXX XXXX  told me that XXXX XXXX XXXX can call them and they can confirm that XXXX   XXXX XXXX was paid, but they can not provide a cancelled check due to XXXX  XXXX electronically submitting my check. Cemenity Bank is saying I need to talk to XXXX XXXX. XXXX  XXXX is saying they sold the credit card to Cemenity Bank and are no longer showing me as having their card. I feel like nobody is able to help me. I just attempted to resolve this again by placing a call into XXXX XXXX who now says they do not have credit card numbers that exists starting with an 85 ... So they do not show me in their system any longer. They conveniently took my money and did not apply it when they sold my card to Comenity Bank. This is so frusterating. XXXX XXXX XXXX has been paid. But has reported to Comenity Bank that I have not paid my balance due ... This is such bad business practice. Hoping it is just an error that can be found ... but thinking this may be how they do business to make money! Can you please help me resolve this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have settled this account XX/XX/2020. I have contacted and told them that they are reporting to the credit bureau incorrectly.

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 2020-03-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA statements hide ALL CREDITS INTERNALLY SO I CAN NOT UNDERSTAND THEM WHEN I CAN NOT VIEW THEM I DO NOT UNDERSTAND HOW 1 ) Temporary Credits are DEDUCTED the Same Day they are CREDITED?? How does this work? 2 ) Why do Temporary Credits ( not made permanet yet ) TURN INTO NEW PURCHASES?? ( +1 ) credit + ( -1 ) credit = ZERO CREDITS AS IN NONE.How does USAA USE TEMPORARY CREDITS TO CREATE NEW PERMANET PURCHASES? How does ZERO NONE CREDITS BECOME A NEW PURCHASE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to dispute information on my credit file for this CAPITAL ONE BANK USA with Account Number XXXX. My full name is XXXX XXXX XXXX and I was born on XX/XX/. According to XXXX, the owner of this account is one XXXX XXXX XXXX who date of birth is just XX/XX/XXXX. In addition, my XXXX  credit report does not show any account number for this CAPITAL ONE BANK USA. I believe it is an account that should not be on my report because it does not belong to me. Kindly provide proof that shows this account belong to me with my full name on it, full account number, my full social security number or delete it for my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TX

Complaint narrative:
sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges

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 2020-03-31 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:
sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XXXX c/o PHH Mortgage gave a 3 month forbearance when I called to attempt to work with them, secondary to losing my job due to CoVid-19. 

They gave three months forbearance, BUT ALL THREE MONTHS ARE DUE AT THE FOURTH MONTH! 

They are praying on people during a horrible time! 

In addition, they continually send me mortgage statements that do NOT spell out how my previous payment was applied, and even have all the information, including the payment amount, listed as XXXX! I called and told them it was against the law and their response well, we are sending you out corrected ones, so not sure what the issue is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Beginning in XX/XX/2020, I began receiving multiple calls from various numbers in and around the XXXX / XXXX XXXX area. I am cautious of answering calls from numbers I do not recognize because of scams. In addition, most of the calls were coming at times when I am at work. I can not have my phone on me while at work, and so I would see it after I got to my vehicle each day. Tonight, I received a call at XXXX. Upon answering it, they asked for a person and I told them they had the wrong number and to stop calling my phone. The person then said all I had to do was answer the phone and they would have stopped calling, very rudely. After multiple call backs in which I was hung up on, once including when I asked for the company 's name, I finally found out that the company is XXXX XXXX XXXX, a debt collector. I have dealt with them at least once a year for the past 5 years. People continue to put my phone number on accounts. Despite asking that they remove my number from their databases, or associate it to the proper person, it continues to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
In XX/XX/2018 I contacted Prestige Financial to surrender my vehicle due financial hardship after and accident. Prestige picked up the vehicle and after taking possession of the vehicle they did not send me any notice of intent to resale the vehicle nor did they send me and updated balance after the vehicle was sold the Reported the original balance as a charge off collection and has been adding interest to it. I have filed disputes and the company has not supplied and proof of the resale nor balance after the resale and continues to report the information incorrectly as well as garnishing my pay. 

I have asked all three major credit agencies to remove the inaccurate data from my report however they fail to do so. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2020 I received a collection call from Regional acceptance at XXXX XXXX  EST, apon anwsering the call lasted 23 second and no one said anything but hung up. I returned the call and talked to someone about the issue and they did not want to listen to my complaint till they asked about the account. I asked for a supervisor which was XXXX and he said they were sorry they called and noted it was on their computer that I was EST, appoligised about it then realized he had talked to me before several months back about the same issue. This has happened multiple times before and I was told it would not happen again But it did, XXXX said he would reach out to management again but it has not been corrected before.

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 2020-03-31 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: TX

Complaint narrative:
sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges

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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Servicer Select Portfolio Servicing ( SPS ) Loan Number XXXX @ Property Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Alleged servicer is engaged in Consumer Fraud for asking to pay without any Mortgage Statement and Balance in Violation of RESPA. I am being forced to sue Servicer Select Portfolio Servicing for Consumer Fraud and RESPA violation. Servicer Select Portfolio Servicing ( SPS ) is not a true servicer rather it is shady, illegal and foreclosing operation and its whole purpose is to Manufacturer Foreclosure by Fraudulent Means, as evidence gathered from many people who had loan serviced by. Furthermore, for XX/XX/2020, I have paid to the previous Servicer - XXXX on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My citi bank Best Buy card account says I owe {$530.00} when I owe nothing. At this point I have paid them more than what I have bought, the card has no interest. I have contacted them multiple times over the secure message part of the website that says I will be replied to in 4 hours. It has been a week with no reply. 

I do not owe any money on my Best Buy citi bank account. I have only bought {$1300.00} worth of items from Best Buy and have made payments or received credits of {$1300.00}. My charges are ; XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$16.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$86.00} XX/XX/XXXX for {$210.00} XX/XX/XXXX for {$270.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$38.00} XX/XX/XXXX for {$20.00} XXXX {$200.00} I have made payments or received credit of {$1300.00} ; XX/XX/XXXX return of {$19.00} XX/XX/XXXX return of {$21.00} XX/XX/XXXX return of {$64.00} XX/XX/XXXX late fee reversal of {$28.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX payment of {$66.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX return of {$85.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX return of {$33.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$200.00} XX/XX/XXXX payment of {$130.00} Please correct this since I have only bought {$1300.00} worth of items and have paid or received credit of {$1300.00}.

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 2020-03-31 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: Risecredit, LLC
State: TX

Complaint narrative:
Rise is reporting identity theft and fraud. Additionally I filed bankruptcy before this fraudulent account was even reported and Im being hit with a double sword. Reporting of identity theft as well as reporting and updating after bankruptcy. Ive contacted the company. I have provided all documents. They havent removed. Instead they continue to ask for different items to delay action. I submitted the ID theft Affidavit. They wanted the email showing it was submitted online. I submitted police report. They wanted the police to name them specifically. Police here dont do that. They wanted ID copy. I submitted Military ID and they refused to accept it and wanted a state ID not a federal one. Everything is games and avoidance while damaging my credit and name.

Company response to consumer: Closed with explanation