vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased jewelry from Zales in the amount of {$1400.00}. Zales sold me the jewelry on a 12 month interest free promotion. I was willing to pay cash but the sales person sold me on the promotion as " free money '' and pushed me to open up a Zales credit card account. It wasn't clear to me that the promotional credit contract ( Comenity Bank ) I was signing was separate from the credit agreement I was signing with Zales. 
I received monthly bills from Zales, indicating that payments were due by the XXXX of the month. On XX/XX/XXXX, I made my first payment of {$120.00}, and continued making 11 additional payments of {$120.00} each delivered by the XXXX of month, the final payment was received on XX/XX/XXXX ; for a total amount paid of {$1400.00}. 
On approximately XX/XX/XXXX, I received a bill from Zales with a promo interest adjustment of + {$260.00} and a new balance of {$260.00}. 
To my surprise, I was being back billed for accrued interest because I didn't payoff the original purchase amount by XX/XX/XXXX. 
I was using the due date and billing cycle on the credit card bill.. .to make the payments which were " out of sync '' with the 12 month promotional payments due date. This resulted in my final payment of {$120.00} arriving on XXXX days past the promotion end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
The company involved is Home Point Financial, which purchased my mortgage about two years ago. By law and as listed on the loan I have from the XXXX to the XXXX to pay my mortgage without any problem or issues. In or around XX/XX/XXXX and XX/XX/XXXX due to illness and operations I end up paying my mortgage a couple of days after 15. For which I was assessed late payment penalties and paid them. Since XXXX and until this morning ( XX/XX/XXXX ) they have taken upon calling me to ask for the debt payment. Even that I am not late. The caller today identified himself as a " Debt Collector. '' I have told them repetitively in all prior months ( XXXX, XXXX and XXXX ) that this is becoming a harassing situation. Today and after this call this morning is definitely a harassing situation and the reason that I now choose to report them. They promised me each time they will stop and they continue. 

I believe to be an unfair practice by this lender and I am in the process of selecting another lender for refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: OH

Complaint narrative:
trying to link my bank account to buy stock at XXXX Denied - Please fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$110.00} XXXX {$97.00} XXXX {$100.00} XXXX {$390.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

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 2020-06-05 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$110.00} XXXX {$97.00} XXXX {$100.00} XXXX {$390.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$110.00} XXXX {$97.00} XXXX {$100.00} XXXX {$390.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

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 2020-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I took our a loan on or about XXXX XX/XX/2020 and used my vehicle to secure the loan. There was an issue with the paperwork and I was offered additional funds to help set off the payment that was charged. I accepted the offer for the additional funds and had to resign the loan as a result. In part I opted to have insurance on my loan as well in case of loss of job or sick ect. During the qualification process for the loan both of my jobs were evaluated and I was approved and received funds electronically. My payments were set up for auto pay in which was fine until I got fired from one job. I then notified OneMain via  XXXX XXXX XXXX via email at ; XXXX. I had not heard anything for a couple of weeks when I decided to call. I spoke with a young lady who said that there was a error in the form and that they presumed that I was not on my job long enough to be covered by the insurance and that I was ineligible because of it. I then stated to the woman, her information was not correct and that I was still employed by one job that later laid me off the following month due to COVID19. I advised her that I would send over documentation that was provided to me via the employer and the office of unemployment. She the advised me of the email address to send the documents to and that was the end of the call. Some time later during the following week I called the the representative Ms. XXXX at the XXXX, VA branch where I signed for the loan and explained to her what happened and she said that she would call on my behalf to find out what in fact is needed to proceed with the claim. During the waiting period for her to call me back I receive written correspondence requesting documentation that was in part provided. At this point I am confused when I receive a call stating that the insurance portion of the loan was refunded without my consent or knowledge. I was within my rights to file a claim and are eligible to receive benefits. However, someone took the initiative to cancel that portion of the loan and now I am being denied for not having coverage. This is not fair because they don't want to pay. We did not anticipate a crisis nor did I anticipate being out of work. However, being a responsible individual I did accept and sign for coverage just in case anything were to happen. I will attach documentation and can provide a contact via fax as the documents are too large to upload at this time. They are wrong for this and it should not be allowed for them to cancel coverage that I opted for on my loan as part of a contingency to have the loan. If a new form is what was needed to proceed they should have just asked for that and not just deny my claim and then go further and cancel the coverage all together. That is very deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: MO

Complaint narrative:
XXXX XXXX XXXX, XXXX sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX  Hospital located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from XXXX XXXX XXXX , XXXX was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. 
According to the billing department at XXXX ( was billed through avadyne health ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX  billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC is not letting me apply for the car loan giving from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
After closing on XX/XX/2020 mortgage was recently transferred from XXXX XXXX XXXX XXXX ( Loan Number XXXX ) to M & T Bank ( Loan Number XXXX ). M & T Bank is claiming they did not receive insurance information from XXXX XXXX XXXX  XXXX and has placed my mortgage in an over priced ( lender placed insurance ). I have insurance and I have provided this information to M & T Bank. M & T Bank is claiming that they will update the insurance in 90 days and not right away. M & T Bank are XXXX scumbags ...

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 2020-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back In year XXXX, I was the co signer for a loan for my ex son in law, Mr. XXXX XXXX. He started paying in good standing, then he stopped. 

I marked in your questionnaire it was with XXXX university but that was not real, i chose that because i need an option for continuing with this claim. Back in that time it was an institution call " '' XXXX '' based in XXXX, Florida. And the degree was to become a XXXX XXXX. My son in law, never finished the degree or pay for the loan, and then divorced from my daughter. Actually Mr. XXXX lives in XXXX XXXX Nevada. 

Many debt collectors acquired this loan, but it seems it was reopened back in XXXX and still into my credit report. Now, I am trying to refinance my home into and FHA loan and this situation is not allowing me to do that, avoiding me to lower my monthly rent payment. The mortgage banker provided me with your contact information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: FL

Complaint narrative:
Back In year XXXX, I was the co signer for a loan for my ex son in law, XXXX XXXX XXXX. He started paying in good standing, then he stopped. 

I marked in your questionnaire it was with XXXX university but that was not real, i chose that because i need an option for continuing with this claim. Back in that time it was an institution call " '' XXXX '' based in XXXX, Florida. And the degree was to become a XXXX advisor. My son in law, never finished the degree or pay for the loan, and then divorced from my daughter. Actually XXXX XXXX lives in XXXX XXXX Nevada. 

Many debt collectors acquired this loan, but it seems it was reopened back in XXXX and still into my credit report. Now, I am trying to refinance my home into and FHA loan and this situation is not allowing me to do that, avoiding me to lower my monthly rent payment. The mortgage banker provided me with your contact information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX  {$860.00} XXXX  XXXX {$0.00} XXXX  XXXX {$790.00} XXXX XXXX  XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX/XXXX  XXXX {$220.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$92.00} XXXX  XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$530.00} XXXX CHAPTER XXXX XXXX {$0.00}

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 2020-06-05 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$0.00} XXXX  XXXX {$860.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$790.00} XXXX XXXX  XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$220.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$530.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
For customers with multiple credit card accounts, customer credit line increase requests merely shift credit between existing credit card accounts rather than actual credit limit increases. I have made multiple complaints to Bank of America about this practice. Moving credit from one account to another is not a credit line increase.

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 2020-06-05 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are failing to review and/or research any of my dispute letters. I have not received any communication from Equifax ; XXXX or XXXX regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by Equifax and XXXX -XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by XXXX and XXXX - XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from my credit report. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: MS

Complaint narrative:
On XX/XX/2020 I sent a letter via certified mail to Carter-Young, Inc requesting validation of the debt they say I owe. I still have not received the information that I requested from this company. This debt still appears on my credit file as a negative account. It is causing many disruptions in my life, including finding a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX  XXXX {$9000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX  XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$2500.00} XXXX XXXX {$990.00} XXXX   XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NC

Complaint narrative:
I have submitted my identification and social security card for your review along with my FTC report, due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am still affected by XXXX XXXX, I can not get through to the company. I need a payment waiver. And I am not calling after XX/XX/XXXX. My payment is due XX/XX/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 2020-06-05 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: GA

Complaint narrative:
On or about XXXX XX/XX/2019, I received a phone call from an online casino company, called as XXXX which illegally processed my credit card with USAA ending with XXXX transactions through third parties located in China saying that there were chargeback initiated against those illegally processed transactions and asking me to pay them back for those chargebacks that those money laundering merchants for the online casino company accepted without disputing. 
I know the chargebacks were initiated by USAA as I reported those transactions as fraudulent charges. 
As there was no dispute against initiated chargebacks, I expected USAA to issue me a permanent credit for reported transactions. However, USAA instead reversed issued a temporary credit that it was issued for the fraud claim from XXXX XX/XX/2019. 
I contacted USAA on XXXX XX/XX/2019 to find out why USAA reversed the issued temporary credit, but USAA could not explain reasons. 
Since XXXX XX/XX/2019, USAA has not provided or explained reasons why they reversed the issued temporary credit of {$7000.00} at even my numerous requests. 
In fact, I submitted a complaint to USAA through the Federal Reserve as USAA keep ignoring my request for any documents or valid reasons for the reversed credit, and the Federal Reserve forwarded the complaint to the consumer financial protection bureau. 
I received a response from USAA for the complaint today which still doesn't provide what I am asking for. In fact, USAA copied their response from XXXX XX/XX/2019 against my initial complaint submitted on XXXX XX/XX/2019 through CFPB and pasted as their response with minor changes to my most recent complaint submitted. 
USAA failed to notify me officially when USAA initiated chargebacks, committed a fraud by holding accountable for the reported transactions after successful chargeback and failed to notify me officially the result of investigations or chargebacks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation