vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I filed a claim with Ultamate Rewards Mastercard : Comenity Bank on XX/XX/2019 for {$600.00} against XXXX  XXXX XXXX for not delivering services as agreed that I had to pay-in-full. 

1 ) I could not speak with a Rep in the Claims Dept. I had to speak to the Cust Care Dept who had not one clue as to what was going on as they are NOT the claims department. 
2 ) I had to submit ALL my correspondence via the online messaging center and I sent them every piece of proof I had that XXXX  was in breach of her written agreement to have made 90-180 posts in which she only did 13 and  caused me to miss my book promotion deadline. 
3 ) Comenity Reps sent me an email the first time saying they did not have enough information and closed the claim. I had to call them back and speak with a Customer Care Rep who agreed to reopen and had me to resend my emails that I had already sent prior. 
4 ) I received another email saying they considered the matter closed as the receipt stated all services are final and there are no refunds. How can that be legal when XXXX did NOT deliver as she promised, as per our agreement when she demanded I pay her in full. 
5 ) The claim had to get re-opened as a Supervisor looked into it after another supervisor refused to listen to me and told me it was not their problem and I needed to take it up with XXXX  as I paid the charge and that meant I agreed to her terms and I had not proven my case. 
6 ) Comenity still agreed with the merchant and reversed the temporary credit saying her services are final and the charge is valid per the terms. What terms? She said she would post 2-4 times per week for 45 days, including promoting my book and graphics in which she did not. The Cust Care Rep would not transfer me to the claims department as he said there is no way to do so. Comenity never even gave me the chance to provide a rebuttal and closed the claim without even granting me the courtesy to clarify anything. 
7 ) Not being able to speak with an actual claims representative and the vague email replies are not convenient and very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have applied for XXXX XXXX Visa credit card on XX/XX/2019 and I was approved. I used the credit card for purchase 3-4 times and every time they used to look up my account in store using my id as I didn't receive the physical card. 

On XX/XX/2019 I went again to a XXXX XXXX Store at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for purchasing one item and I asked the associate ( XXXX ) to look up my account. I clearly informed him I already have the XXXX XXXX credit card and he just need to look up so that I can pay with the XXXX XXXX card. 

He told me we need to look up in some other system so please enter your details. I raised red flag saying I am not applying for credit so why you need details like salary etc. He said we need this to look up you exist in system. 

I told him that there should not be any hit to credit score but he was still adamant for me to enter the details like income on key pad After this step the associate XXXX said that you already have an account and now your can pay. Thankfully I got a XXXX  XXXX  alert which notified that the store did a hard hit on my credit report. 
This is fraudulent activity. 
I asked for Store manager and his flat response was I apologize but we can't do anything Store General manager name : XXXX This is fraudulent activity by XXXX XXXX and I will like to report this to Consumer Financial Bureau so that other consumers are not cheated like me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: TX

Complaint narrative:
On XX/XX/19 my credit monitoring company notified me that Capital One had made an inquiry on my XXXX credit report. This was a fraudulent inquiry that I did not authorize. I disputed this inquiry with XXXX  because I've heard hard-pull inquiries can lower your credit score. I want the inquiry removed from my credit report. 

XXXX  informed me they could not remove this inquiry because " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' That response makes no sense because in this case the creditor made the fraudulent inquiry. It's like telling the victim to contact the criminal. 

I did in fact contact Capital One. They searched my SSN in their system and assured me there was no record of any such inquiry. Capital One told me that any " official '' or properly initiated inquiry would be in their system. This to me suggests the inquiry was done by a rouge employee or a hacker with access to Capital One 's systems. It's also possible it was a simple error ( e.g. someone simply mistyped a SSN ). Regardless, the bank should have a system for tracking ALL inquiries so that they can correct any mistakes or identify hackers or rouge employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Every month for the past 17 months I have had the same issues with Equifax. It is getting sol old and redundant, not to count that every time I call the company I get different excuse. 

I pay for monitoring, I have the report locked but when I want to access the report I get errors and when I want to unlock the report I am told the system is not working. 

I have now been denied credit over 30 times from various creditors because they also claim that they can not access the report. 

Also Equifax continues to notify creditors that I had possible identity theft and it is causing my accounts to get blocked till I resolve the issue. 

Some creditors claim I have a freeze on the report, I DON'T HAVE A FREEZE. 

My next step is to seriously sue Equifax if they don't knock it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied for a Chase credit card affiliated with United Airlines. I was sent an email at application that stated further review was needed. After 8 days I contacted Chase to inquire about the status. The automated response said it was still in review. I then opted to talk to a representative. The call was answered and I asked status and was told it was denied. I asked why and they wouldn't give me a reason. I stated I believed that there must be some type of mistake that they either had my income wrong or debt wrong, because I know my credit score is in the upper 700 's, I only have one other credit card with a larger limit, but paid in full monthly and a house payment. I know my debt to income ratio is 21 % and I have been in the same line of work for over 20 years. I happen to be a XXXX  XXXX and know there is no business reason that I would be denied, so there had to be an error somewhere in the application process. I said I assumed they were double counting my mortgage as I had recently refinanced and they could easily be double counting. The lady wouldn't respond in any way. I asked to speak to a loan officer or supervisor to try and resolve any possible issue and was asked if I didn't mind being called back and I replied that was fine. She said I would receive a call within the next 90 minutes and verified my phone number. I have never received a call back. I've been a customer of Chase in the past and all my accounts and all were handled as agreed. I've never missed or been late on a payment in my life. I understand if there was an error on my application, but the fact they wouldn't, wont, and haven't allowed me to address the issue, even after repeated attempts is a major problem. It is either a problem or they are discriminating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
This account do not belong to me. I disputed it XX/XX/2016 and it was deleted from my credit report. They keep putting it on my credit report. I sent a copy of the dispute showing it was removed from my credit to XXXX  and XXXX and it is still showing up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
I got BBVA Clear Points Credit card mail offer two times. It shows that I'm pre-qualified for a BBVA ClearPoints Credit Card. My reservation code is XXXX. Expiration date is XX/XX/2019. 
And there are three ways of application. Applying online, by phone or stop by a branch. I called BBVA on XX/XX/XXXX through phone and got an agent replying me I need to apply in branch because I'm not a XXXX XXXX. He told me I'm eligible to apply in branch since I got the mail offer. 
There is no local branch near my living place. Hence I drove to Alabama and apply in branch on XX/XX/XXXX. The branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX. The banker helped me is XXXX. At first we try to apply with the code provided. However, it keep showing invalid through their system. We contacted BBVA customer service by phone and it didn't help. After talking with bank manager, XXXX suggest me to apply without code and do a fax application. We did so. I don't get any application number or anything else. 
XX/XX/XXXX, I contacted BBVA customer service, they confirmed my code was valid. But they don't find any record about my application and told me to contact branch directly. 
XX/XX/XXXX, I contacted BBVA customer service, they told me the fact that branch and online department are using two different systems hence they can not help me at all. I also contacted branch and another agent told me XXXX was on vacation. They will contact me afterwards. 
Nobody contacted me. Hence I contacted branch again on XX/XX/XXXX. The manger was there and told me the application is stuck because they actually don't accept application for non-citizens. So my application wasn't processed at all. 

1. I did check the reservation code online and it did shows invalid. It's a invalid code from customer end. But XXXX customer service told me it's valid from their end. But the branch system shows it's invalid. It's a false promotion. 
2. There is no terms showing BBVA don't accept credit application in branch from an non-citizen. Actually the online application system explicit say " You must be a XXXX XXXX  to apply for a BBVA ClearPoints Credit Card online. However, you may apply at a branch. '' And the agent told me I'm eligible to apply in branch on XX/XX/XXXX through phone. 

I uploaded 4 attachments. 
1. BBVA Clear Points Credit Card Mail Offer scan copy 2. BBVA online application system showing the reservation code is invalid. 
3. BBVA online application system showing " This product is only available online for XXXX XXXX. If you are not a XXXX XXXX, please call us at XXXX. '' 4. BBVA online application system showing '' You must be a XXXX XXXX  to apply for a BBVA ClearPoints Credit Card online. However, you may apply at a branch. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 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:
there was a new item on my report that just showed up from the identity theft i tried to call experian and they were very rude and would not help me

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 2019-12-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
In XXXX of XXXX my wife and I had a modification done with XXXX XXXX XXXX. About two yeas later XXXX soled this mortgage to XXXX XXXX XXXX XXXX and Fay Servicing collects the payments. In XX/XX/XXXX our payment went up and we just payed it. In XXXX of that same year I called to ask why our payment went up. I was told that we were behind on our escrow by {$2000.00}. I told them that, that couldn't be right. ( This a 20 year mortgage with a balloon. ) I hung up, then about a month later I called back and got someone else and asked that they send me all documents dealing with this mortgage. I was told at this time that they saw that I had {$54000.00} in the rear from a PREVIOUS MODIFICATION. That {$54000.00} is my balloon. At that time I realize that Fay Servicing had added in the balloon into the mortgage. I finally had to get attorney to get the documents I want it, and they only sent the cover pages of the XXXX XXXX, the modification and financial statement that shows that they did in fact did add the balloon to the mortgage. My attorney has tried to get ALL the documents and it has been a year and we keep asking for them with no results. Now I want not only the documents, I want all audio recording of all phone conversation. they broke the law by not letting me know that they want it to make these changes and I agreeing to it, and violated the mortgage agreement. I wonder if this has happened to any one else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
On XX/XX/XXXX, I contacted Midland Credit Management after speaking with XXXX XXXX and being advised my credit card had been referred there. 
I was advised by their collector that the account was placed in their office on XX/XX/2019. Shortly after advising my account had been there for less than 30 days, he made a demand for " immediate '' payment. This demand was repeated by the collector twice in the call. 
Further, he got extremely judgmental and implied I used the credit card and never paid for the charges which are untrue. 
My attorney has listened to a copy of the call which I have taken the liberty of attaching to this complaint and has advised me that the collector " overshaddowed '' and has violated the FDCPA. Upon the advice of an attorney, I am pursuing a civil suit against Midland Credit Management. 
Please review the call and audit the agency for their blatant abuse of U.S. Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting three ( 3 ) inquiries I do not recognize : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) 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 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I learned about the fraud that ive been victim, due my ATM/debit card was stolen/lost and my personal account compromised l send a letter to this institution on XX/XX/2019 showing and highlighted bringing the amount of {$3300.00} in fraudulent activity as well explain my situation but I didn't receive NOTHING even a denied letter. Honestly I was thinking and expecting more from this institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo Dealer Finance called my phone three times after speaking with my wife and verifying a payment had already been made. There were four total calls to my phone starting at XXXX XXXX, another at XXXX, then two within 30 minutes of each other at XXXX and XXXX. I advised them again that my wife spoke to them earlier in the day and they said, " Ok, have a good day. '' Only to call back the last time at XXXX. This is harrassment in the most basic form. This practice is more than harrassment, as there were three calls in an hour with the account having over five total calls in one day.

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 2019-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
CAPITAL ACCOUNTS AGGRESSIVE PHONE CALLS AND CANNOT VALIDATE ORIGINAL MEDICAL ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with PHH mortgage and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
Company : Sequium Asset Solutions , LLC Date : XX/XX/2019 No money lost as I was able to identify the attempt to scam. 

XXXX contacted me saying I owed them money for bill that had been sent into debt collection for XXXX dollars from XXXX. They would not provide me a bill/statement or anything. They informed me I was in collections and I probably would not be able to pay bill directly with XXXX. I declined to pay and contacted XXXX where I was told the bill was not in collections and I paid it off in full on phone. I attempted to contact Sequium back when there automated phone answering service notified me I owed them {$130.00} associated with my account. The front desk/receptionist said no one was available to take my call ( they were on break or lunch ). Multiple calls over 2 hours and no one would take my call. I left message for supervisor to contact and no one called me back either. I requested a statement showing XXXX balance from company and they refused saying it would be 2-3 business days before anyone could reassess it. They never would provide me a statement/invoice/bill of any kind. 

XXXX declined knowing this company and currently I have no way of controlling how this company got my information nor what the {$130.00} the automated phone system says I owe is about. The receptionist said it was error but no one would clear it or provide me proof of said money owed. 

Please investigate this business as it is predatory fraud scam that uses threat of credit reporting to extort money from unknowing citizens. XXXX declined any knowledge of this company and I have perfect payment record and credit in my financial my history. Please review the XXXX XXXX XXXX nurmerous complaints very similar on how this company attempts to extort money. I am more concerned they have my information in their system without my approval or knowledge.

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