vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was not late on my payment, but they report it late. XX/XX/2016. I would like this corrected on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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:
XXXX  acct no XXXX is fraudulently appearing on my XXXX  and experian reports. 
the manufacturer, seller and creditor XXXX XXXX XXXX defrauded me on the sale of a diamond ring. 
the diamonds are not genuine gem quality but man made " industrial '' type diamonds and the gold quality is much less gold carat than is stated. 
DELETE THIS ACCOUNT.

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 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VELO LAW OFFICE
State: MT

Complaint narrative:
I previously owed a debt to why not lease it in the amount of {$990.00}. I paid said debt to another collection company on XX/XX/2018. I have all documentation to prove it. I provided Velo Law with said documentation twice over the last year and both times they blatantly told me that they dont care if it was already paid because its owed to the also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I discharged a loan with Citizens One Bank for my XXXX phone on XX/XX/2017. The bank continues to send collection notices. After a complaint to the CFPB, Citizens One says they never received the upgrade payment from XXXX and that *I*, the customer who paid the loan off, am on the hook for the upgrade payments. 

Or, at least I think that's what Citizen One says. They continue to send debt collection notices for the loan that I paid off. 

XXXX, meanwhile, seems to owe {$260.00} for the upgrade that was never paid to Citizens One. 

No one at XXXX responds. No one at Citizen 's One has returned my call seeking clarification. 

This debt was paid by the consumer. This debt involves two companies -- neither of whom seem to understand what happened, neither of whom are responsive to calls and inquiries. 

I request intervention. I request explanation from XXXX and CITIZENS ONE. I request that the upgrade money be paid to the bank so that this loan in my name can be closed as I met all my payments. 

XXXX is the world 's most valuable publicly traded company. Together with CITIZENS ONE they offer telephone upgrade loans. Mine has been paid off for two years. But, apparently, when these loans get confused there is no company that considers itself responsible for the mistake or responsive to its consumers. 

CITIZENS ONE sent a confusing and non-helpful response to a previous complaint that did NOT GIVE INSTRUCTIONS on how to settle this loan with XXXX an CITIZENS ONE. I have called to complain and written the CFPB to continue the complaint but have received no response at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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:
XXXX acct no XXXX is fraudulently appearing on my equifax  and XXXX reports. 
the manufacturer, seller and creditor XXXX XXXX XXXX defrauded me on the sale of a diamond ring. 
the diamonds are not genuine gem quality but man made " industrial '' type diamonds and the gold quality is much less gold carat than is stated. 
DELETE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX

Complaint narrative:
I bought a car from Tide Water. I brought my old car in for a trade in. The signed papers say they will take my car as a trade in and pay that loan off. They did not pay the loan for the old car off. I call the Texas Attorney General 's office. His resolve was to take the new car back to TIDE WATER, and just drive my old car. The old loan was not counted as late due to TIDE WATER 's illegal activity. I am not sure why they would risk putting this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
LVNV has contacted me multiple times by mail over the past few months. Each time they have contacted me, I have requested validation of the said debt that they claim I owe. I have kindly requested validation each time I am contacted by them. LVNV has failed to provide me with such proof I requested. On XXXX XXXX I received a generic account summary page and a statement of what LVNV is under the impression I owe. This " validation '' does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Despite my efforts in trying to work with LVNV directly, they proceeded to insert an erroneous negetive tradeline into my credit file. This action is illegal based on the fact they failed to provide me with proper verification of debt on multiple occasions. This negative reporting has taken a serious toll on my credit report and finances in general by impacting my a cess   to reasonable credit terms. This is going to cost me 1,000 's as I am in the process of purchasing a home and this is delaying my approval. This is all due to LVNV reporting an account that they claim I owe money one but in fact I have no idea what the money they claim I owe is for! I have no bad debts and LVNV is attempting to deface my name by reporting such info. LVNV Refernce ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: MT

Complaint narrative:
I have continued to try and resolve this matter informally with EQUIFAX for over 2 months. Furthermore, records with CFPB will reflect I still have open complaints with EQUIFAX that are almost 2 months old and without a response from EQUIFAX. I have 1 Inquiry on my EQUIFAX credit report that needs to be removed immediately because the 2 years have expired : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX AV, XXXX, FL XXXX The other inquiry I have disputed with EQUIFAX for over 3 months and EQUIFAX hasn't even addressed the matter and provided me with an update. The following ENQUIRY is in dispute : XX/XX/XXXX XXXX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX EQUIFAX failure to respond and their dereliction of duty to remove the outdated inquiry which is greater than 2 years old is a clear violation of the FCRA. EQUIFAX is knowingly and willingly denying & violating my rights granted to me by the FCRA. KNOWINGLKY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
BayView Loan Servicing acquired our loan in XX/XX/. I have made contact with the company, trying to make payment arrangements and apply for a loan modification. The company refused to communicate with me on either idea. We have never received any written communications, letters of default, or loss migration information that we are entitled to. I have tried to let them know we can make our payments and a little more each month to get caught up with no help from this company. 

The only notification I have received regarding my loan status was the notice put on my door on XX/XX/XXXX stating our house is being posted for public auction on XX/XX/XXXX. 

I have XXXX children and can not loose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have an account with Bank of America and a credit union. I paid for a money order so the funds would be secured and released sooner. The bank put an 11 day ( 7 business day ) hold on the funds. I called the bank on XX/XX/XXXX asked to speak to a supervisor 3 times the rep would put me on hold then come back and just start taking again without any explanation why I couldnt speak to a supervisor. She finally said the credit union stated they wont release the funds for the 11 days. I called the credit union and they said that is false and they were willing to verify funds with someone from Bank of America. I called Bank of America back on Saturday spoke to a manager who said a rep from the credit union isnt sufficient for them to release the funds. She stated its their right to put a hold on the funds. She stated its a different kind of check then I normally  deposit. I corrected her stating I deposit money orders frequently and have never had this issue. The last two were a few weeks ago in the 800 dollar range and I didnt have this issue. I asked to speak to whomever is above her. They werent available today and would call me back Monday or Tuesday she said but they will tell me the same thing. I explained my biggest issue is I know it will only take a couple of days for them to receive the funds but they still wont release them to me until the XXXX. She said this is true. I explained my bills will be late by the XXXX and then I will have fees. She was unmoved. I also stated the reason I paid for the money order is because it is secured funds so I wouldnt have to put up with this. She wouldnt budge.

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 2019-12-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-12-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute with Transunion that was notarized on XX/XX/2019 and sent certified on XX/XX/2019. It was received on XX/XX/2019. I called Transunion today, XX/XX/2019 spoke with supervisor XXXX XXXX at approximately XXXX cst and he stated it was received on XX/XX/2019 and they sent my dispute response on XX/XX/2019. I explained it was certified and asked him to check the dates and he refused. He insisted they had until XX/XX/XXXX. I also advised him I have a screen shot of their website showing that the response date wasXX/XX/2019 as well. I told him that they are in violation, that they were to respond within 30 days and they didnt and asked him to remove the disputed items, he refused. To date, I still have not received anything from Transunion. I would like the 5 items that they did not reply to in time removed immediately. I also had the dispute notarized, however I just have a copy of the letter I wrote prior to when I got it notarized but I have the certified mail receipts and the screenshots for proof.

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 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I have tried to research this company. I can not find them. I have insurance and should never have a XXXX bill. I have no Idea who they are trying to bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The credit reporting agencies are supposed to make it free and easy to freeze credit. This is not true for Experian. After unfreezing my credit to make a purchase, I went back to re-freeze my credit. All went well except for Experian. I filled out their onlne form, but it was rejected for unknown reasons. They now want me to send in a bunch of documents to re-enable the freeze that I had in place just a short while ago. They make it hard so that you will buy their paid services. What a horrible company to try and do business with.

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 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I was selling items on XXXX and my sales increased in a few weeks which I deemed is because of the holidays. I allowed the customers to pay me through Paypal so they could feel secured, however, when the sales start going over a thousand dollars Paypal freezes my account. Additionally, I also purchased some items from XXXX  using my Paypal credit card but the Store did not have the products and cancel the order. But Paypal did not return my funds back to my account in the amount of XXXX. Paypal freezes customer accounts so they can artificially inflate the amount of cash reserves that they have under pooled bank accounts that are under Paypals name. From previous class actions law suit against Paypal, it is known that Paypal freeze accounts and hold consumers funds up to 180 days without paying any interest to these consumers, this action should be against the law.

Company response to consumer: Closed with explanation