vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
On XX/XX/2020 I received a call from XXXX XXXX XXXX ( XXXX  ). The representative informed me that an account with a past due balance of {$520.00} was placed in their office and demanded payment. During the call, the representative informed me of the mailing address listed on the account. I advised that the address he provided is no longer my place of residence and gave my current address. The representative continued his attempts to collect the alleged debt. He acknowledged that I have the ability to pay a lower amount than what is allegedly owed and advised after placing me hold, that his manager would allow him to settle the account for {$420.00}. 

After communicating with the representative, I wanted to research my rights as a consumer as it relates to what debt collection practices are legal. I do not recall the representative stating the " Mini-Miranda '' ( This is an attempt to collect a debt and any information obtained will be used for that purpose. Furthermore, I have not received an initial notice letter, but I have received multiple calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: NJ

Complaint narrative:
I opened a dispute with Equifax on XXXX for 2 fraudulent hard inquiries and a fraudulent XXXX XXXX XXXX loan account with a balance of {$49000.00}. Per the instructions provided by the FTC, I provided Equifax with the completed FTC Identity Theft report and copies of both the front and back of my driver 's license. After receiving no update from Equifax in the required 4 business days, I logged into the Equifax website on XXXX. Equifax removed the inquires but said they verified the account was mine with blatant disregard for section 605B of the Fair Credit Reporting Act. Unless I misunderstood the FTC 's instructions, the Fair Credit Reporting Act applies to BOTH inquires and accounts. Equifax needs to be held accountable for complying with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, my credit card had three charges that I did not make, one was to the XXXX XXXX XXXX  for {$41.00}, a charge to XXXX XXXX for {$13.00} and one for XXXX for {$87.00}. There was also a fraudulent deposit from a fake account from XXXX XXXX  to my credit card. I was able to get the account number for the XXXX that deposited money into my account. I called XXXX XXXX  and they said there was nothing the can do because the account was not under my name. 

The bank of America Credit card first refunded my three charges. The fraudulent deposit from the fake account eventually came back as fraud. 

However, a month later my charges showed up again and the bank claimed that I had made the charges, even though I had not. I have sent Bank of America a formal letter about the dispute. 

The was from a Bank of America credit card.

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 2020-07-10 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: GA

Complaint narrative:
My information got merge with someone else credit file and I try to call the credit breau and they couldnt fix it at all and its messing me up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I would like to authorize the linking of my bank account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northwood Asset Management Group
State: CA

Complaint narrative:
The original Debt so said was from XXXX XXXX. A collection company by the name of Northwood Asset Management left a threatning Vocie mail on my phone and my wifes that they will contact my employer and sue me and committed fraud etc ... ... 
I called the number XXXX and I asked for a validation of debt and they refused and again they will sue me. With all the fraud I was not going to settle or admit anything on the phone. ANother number I have is XXXX All I want is a written validation which I never seen or received from XXXX XXXX or northwood

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AL

Complaint narrative:
In XXXX of XXXX, I disputed several collection items with XXXX, TransUnion and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XXXX of XXXX  and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

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 2020-07-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX of XXXX, I disputed several collection items with XXXX, XXXX  and Equifax. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XXXX of XXXX  and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Over 3 years ago I received a loan from XXXX XXXX XXXX XXXX to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed XXXX XXXX XXXX XXXX had this account coded as a mortgage. This loan nor any loan I had with XXXX was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with XXXX  and Transunion both said XXXX verified the information. In XX/XX/2020 I sent XXXX a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way XXXX XXXX is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted XXXX they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Over 3 years ago I received a loan from XXXX XXXX XXXX XXXX to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed XXXX XXXX XXXX XXXX had this account coded as a mortgage. This loan nor any loan I had with XXXX was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with Experian and XXXX   both said XXXX verified the information. In XX/XX/2020 I sent XXXX a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way XXXX XXXX is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted XXXX they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: LA

Complaint narrative:
I have contacted this company several times. I was advised that they will not remove this account even though I told them that this bill was paid. I also sent emails that XXXX also said this bill was paid i sent receipts they refused to remove this from my credit report. I received a email yesterday stating that they will not remove this inaccurate information from my report. This bill needs to be remove immediately. 
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A negative collection impact for Credit Control Corp, was placed within my credit le in XX/XX/2020. The Act species that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Credit Control Corp : to follow the law : Contact XXXX  at once, or remove this collection account as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I RE-FINANCED LOAN WITH OTHER LENDER AND WAS TOLD OF CHASE HAS MIS REPORTING ACCOUNT REFLECTING 990 % DEBT. THEY ALSO FAILED REMOVE ALL LATE FEES AND CHARGES SINCE CIVID 19 AS PROMISED SEVERAL TIMES ALL SHOULD BE REPORTING PAID IN FULL NEVER LATE-CLOSED AS OF XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/2020 I disputed several collection items with Experian, XXXX  and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

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 2020-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XX/XX/2020 we started getting email about COVID-19 relief from Wells Fargo, regarding mortgage assistance. I sent them an email for more information. In XX/XX/2020, I tried to pay my house note on the WF app, as I have always done. The app advised me that I did not have an active account, thats when we called to make the payment. We were told that our loan was in forbearance and we could make a payment, but it would not post to the loan until after the forbearance period was over. We called in XXXX, XXXX and XXXX. We made another call to WF on XX/XX/XXXX and were told that the forbearance period ended XX/XX/2020 and would be off our record, as long as we started paying our payments on XX/XX/2020. We paid the note on XX/XX/2020, it has cleared the bank. We are currently filing for divorce and I am going to refinance the house in my name. We waited until the payment cleared the bank to submit the application for refinance, that is when I was told that WF still  shows us in forbearance, the payoff letter also shows them charging close to {$3000.00} in interest for past due payments. We were told that there would be nothing negative on our credit report ( untrue ) and no negative repercussions, that would affect us ( untrue ). On XX/XX/2020, we told them that we declined another 3 months of forbearance ( twice ) and that we were filing for divorce and needed to be able to refinance the house. They responded that after the XXXX note was processed, it would not show the forbearance at all, they also said that the payments from XXXX, XXXX and XXXX would be moved to the back of the loan. There was no discussion of having to pay it in full to remove the forbearance, this was brought to my attention today. I have made a case with WF.

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 2020-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received an unsolicited US Bank ReliaCard in the mail at my current address. The card was issued in my maiden name ( which I haven't used for 25 years ). It appears to be related to Unemployment Benefits, which I have not filed for. I have made several attempts to contact US Bank to report the fraudulent issuance of the card, but have been unable to reach them. The only way I found to report the fraudulent card was to call which was completely unsuccessful. I was on hold for several hours with no answer.

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 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was not able to link my PNC account with my credit card in order to never make a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
I called GM Financial on XX/XX/2020 because I had a bill for {$710.00}. They told me that I should receive my bill in the mail and gave me the website to look at the damages that I was being charged for. I returned the vehicle to XXXX XXXX in XXXX, NM. The manager that looked over my XXXX said that everything looked good and he didnt think I would be charged anything. I was shocked when I saw this bill. I took pictures of my XXXX and the damages and pictures that are on there were not on the vehicle when I turned it in. I sent an email to XXXX on XX/XX/2020 and attentioned it to XXXX. He was the gentleman helping me and gave me those instructions. I also included the pictures that I had taken. I paid the bill because it was due on XX/XX/2020 and didnt want it to affect my credit score. I havent heard back as of today XX/XX/2020. I was also unaware of the disposition fee of {$390.00}. The day I turned my vehicle in they gave me a remaining lease obligation that stated {$0.00} owed. As I said previously I turned my leased vehicle in on XX/XX/2020, the inspection wasnt done until XX/XX/2020. I dont know where the vehicle was kept or who drove it for the 26 days in between the inspection. I had absolutely no control over where or how it was kept and find it incredibly unfair that I am having to pay for damages that I did not do. I took care of the vehicle and did not turn it in the condition that those pictures show. I attached the pictures that I took of the vehicle minutes before taking it to XXXX which show that those damages were not there the day I turned it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One Walmart XXXX, XXXX, XXXX Customer service Supervisors. 
Poor customer service when trying to resolve debt issues. 
Credit Card balance still in debt after paying settlement amount. This company is ripping off consumers affected by COVID 19. Capitol One Walmart is still charging late fees on debts during this horrible pandemic.Taking advantage of consumers with false unclear settlement agreements. Walmart Charged XXXX on XX/XX/2020 to my bank card under false acknowledgement from phone Rep XXXX XXXX that after payment processed I would be debt free. I find out a mouth later I still owe a balance of XXXX. Every time I called CS I was bounced around from dept to dept never to resolve issue. This Credit Card company is not trustworthy and money grubbing consumers during COVID-19.This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 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: FL

Complaint narrative:
I am upset to know that false accounts are being reported on my credit history and is affecting my score. I do not know anything of these accounts and would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/2020, I disputed several collection items with Experian, XXXX and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

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