vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XXXX XXXX XXXX XXXX opened a unauthorized credit card in my name with XXXX after saying they needed to run a credit report ) There are 2 charges totaling {$6600.00} I've made over 20 attempts of contacting them.They initially said they could not find me in their system after giving them my SS # they confirmed the 2 charges and transferred me to the fraud dept upon  connecting with them i was told they could not find me in their system with my SS # once again and this scenario has been repeated by them every day since.I have the receipts for the 2 transactions totaling the {$6600.00} thru the culprit company XXXX XXXX which obviously works in conjunction with this company XXXX. I have not received the card nor statement from them i the mail to date.I have since learned they opened another credit card with another company XXXX XXXX XXXX Comenity Capital Bank with the same 2 charges so that grand total is {$13000.00} The later company has been working with me and froze the account. XXXX has been contacted several times fron the XXXX today was the first i heard back from them saying there going to do there own investigations before clearing the matter of the full $ XXXX will appreciate anything you can do to help in this Matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
Around XX/XX/XXXX or XXXX, 2019 ( First Tech Federal Credit Union has the specific date when I paid off the loan for the camper ), XXXX dollars and am waiting for the XXXX title to mail me since the date I paid off. The location is here in XXXX XXXX, XXXX, Oregon. Twice, my loan officer for the camper called the headquarter about the whereabout the title is. They said they released the title XX/XX/XXXX and would be mailed around 5 days. Last Monday, I went to the First Tech bank officer again and he called them. They mailed XX/XX/XXXX. Now it is not here yet as XX/XX/XXXX. I will go to the bank officer again about this. I am afraid about my consumer who wants to buy my truck camper and needs this title so he can get a loan. He pateince with the progress. I never experience with this First Tech compared with other banks. 
Let me know what I need to cover more that I need to do addtional information. 

XXXX XXXX XXXX email XXXX XXXX XXXX Text only

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX XXXX  XXXX XXXX Unverified Account Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/XXXX Citi card avises by email of attempts to log into account. 

Email directs cardholder to follow link to reset password. 

Followed link and after 3 screens asked to call Citi by phone. 

Called and 3 different offices could not issue the verification code.

We have the screen shots recorded and will attach the file if your web process allows us to. 

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 2019-11-01 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:
TO WHOM IT MAY CONCERN I ALWAYS LIVE IN XXXX GA AND I RAN MY CREDIT TO APPLY FOR A HOUSE I SEE WHERE EQUIFAX IS THE ONLY REPORTING I PURCHASE A VEHICLE WITH XXXX XXXX. I NEVER BOUGHT A CAR UNDER MY SSN I USE MY BUSINESS EIN TO PURCHASE THE CAR IM AM DRIVING I DISPUTED THE MATTER BEFORE WITH EQUIFAX I WAS TOLD BY XXXX XXXX TO TAKE THE ISSUE I HAVE AND DISPUTE WITH EQUIFAX SOMEONE USE MY NAME. MY IDENITY WAS STOLEN AND IM STUCK I NEED HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
What is the reason Auto Loan provider do not have to provide Amortization schedule? Having Amortization schedule available online and also every payment request having the break up of Interest and principal ( just like Mortgage ) helps consumer a lot to make decision on payment towards principal and get out of debt as early as possible. 

Also they do not have option on their websites to make an payment towards principal, we have to pay, which by default goes to all future payments, unless we call them to move it towards principal only or other way is via mail. So ease of use is not avalable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One gave no attempt to fallow the fair retaliation process on collect the debts that I owed them. I went from making over 380k a year to losing my job in the XXXX XXXX. I had never received the certified letter that they were suppose to send out before taking court action of a judgment against me stating below. These laws as state were created to not case undue hardship on the consumer. one debit is for around 7 thousand and the other is for around 17 thousand judgments were taken out on XXXX XXXX XXXX XXXX. 
Validation Notice Requirement o The debt collector is required to send the debtor written notice within five days after the initial communication with the debtor of the consumer 's 21 right to obtain validation of the debt. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R.

18.16. 
o The FDCPA requires the written notice to contain the following information : n Amount of debt ; n Name of the creditor to whom debt is owed ; n Statement that unless consumer, within 30 days of receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; n Statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and n Statement that, upon consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.18. 
o In addition to the failure to send a validation notice, the debtor may also counterclaim that the debtor made false, misleading or contradictory statements, overshadowing the validation notice requirements in violation of 15 U.S.C. 1692 ( e ) and 209 C.M.R. 18.16.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was recently report falsely 30 days late for the month of XXXX even though at the time I was in the process of filling an extension which was granted and I was told they would not report a 30 day late. At that time I wanted to be better safe then sorry so I asked for a letter and the representative I spoke with told me not to worry and I have his word that they will not report a 30 day late. 

I believed that representative but found out a month later that they did in fact report to all 3 credit bureaus a 30 day late. I was able to find out this information through XXXX XXXX. 

I then called several times and I was told the only person that can help me is an individual named XXXX XXXX who is a manger of the entire credit department. When I spoke to he it was as if I was speaking to a robot as she did not listen, spoke over me, proceeded to tell me she could not help me and told me they can not give charity out. 

Needless to say I was very upset and asked to speak to her manager at which point she hung up on me. I then called back several times at which point I was told her manager 's name is XXXX XXXX XXXX who would only communicate to me through email even though I repeatedly called him with no response. He did respond saying that he could not help me and they have helped me in the past and I was luck that I received that and was very cold and rude through his emails. 

Please help me on this matter as I am very unhappy and I still have not resolved this issue and nobody is calling me to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patrick K Willis Company Inc
State: IL

Complaint narrative:
I received a voicemail today from XXXX from investigator XXXX XXXX with an inquiry about a neighboring address. The name of the company was not mentioned. I figured it was some kind of scam. I called the number out of curiosity just to see what the company was then hung up, did a XXXX search, and found this site. SB Investigators is the name of the company. I have no intention of calling them or answering any of their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC
State: MD

Complaint narrative:
I am writing to request your help. I have a mortgage with Loancare ; account number XXXX, opened date XX/XX/XXXX. This company is reporting a late payment on my account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have mortgages dating back to XXXX and I HAVE NEVER BEEN LATE. Back in XXXX, I processed the Loancare payment online and for any reason, their website indicated that the transaction was successful. I realized that the payment was not submitted until XXXX, when they called me. I have been told that they have a terrible website and I confirmed that on XXXX. 

They are being unreasonable because THEY NEVER HAD CALLED OR MAILED A NOTIFICATION until XXXX and nothing in XXXX when the payment was late. The FCRA requires any debt collector company to notify the consumer when a payment is due. 

Loancare is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. The first time a live person called was XX/XX/XXXX after the payment was due, WE IMMEDIATELY PAID. 

This is a joint account, therefore, two people are being affected by this companys NEGLIGENCE and UNFAIR BUSINESS PRACTICES. We have a Pending mortgage for {$300000.00} because of this wrong information being reported. 

I am demanding a Deletion letter from Loancare. This inaccurate mark must be removed or corrected ; otherwise, I will not have another option but FILE A LAW SUIT for all the violations committed. 

Attached : Bank account as proof of that I had enough funds to pay.

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 2019-11-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had credit monitoring through XXXX for all 3 major agencies. I was getting lots of emails about the XXXX product being transferred to Experian. None of them ever mentioned an increase in price. I noticed this morning ( XX/XX/XXXX ) that Experian had debited my credit card for {$24.00} on XX/XX/XXXX so I called XXXX. They didn't know what it was so I called Experian. They said that it was payment for credit monitoring. I explained that I had it already through XXXX, and that I had paid for this month already : {$12.00} on XXXX. They said they would cancel my account and that I would have to file a dispute with XXXX for the return of the {$24.00}. ( I assumed that they meant the account they were charging me for, with Experian, that knew nothing about. ) I filed the dispute with XXXX but afterward noticed 2 emails from Experian. The first said that my XXXX credit monitoring service couldn't be transferred to Experian because I had two accounts. It stated further that it was closing the account with XXXX. The second email said that my credit report had been unlocked. I tried all day to contact them but couldn't get through the robo answering device. I tried to go to their website to lock my credit file again but was told that they couldn't do it and that I would have to write to them. I am at my wits end with this company. I feel like they are attempting to extort me because I didn't pay an additional {$24.00} for a service that I had already paid for at {$12.00}. Since they have already unlocked my credit without my permission, I suppose that I won't be able to lock it again, unless I pay them. 

I have also lost my XXXX monitoring service in this process and I can reach no one at Experian to help me straighten this out. 

I am attaching some emails from Experian and also a copy of my credit card statement with XXXX. The first and the last entry on this screenshot are the debits to my credit card at XXXX and made by Experian. XX/XX/XXXX is the top entry and XXXX the bottom.

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 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
In 2015 I was a victim of credit card fraud with XXXX XXXX credit card. The account was closed and paid in full. This account was sold after closed and paid to portfolio recovery services who continues to report the account as a new debt, four years delinquent and continues to report it as a new debt monthly which has ruined my credit. The credit bureau removed the acct since they could not provide any documents on the debt. Later they again began the same acts only changed the spelling of my name and acct digits again reporting it as new debt. I lost two jobs and a apartment because of this being reported as a new debt it is Not new or owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I was laid off from my job. We had to make late payments on our home. My wife and I applied for a loan modification on XXXX of XXXX from Shell Point mortgage. We filled out the forms Shell Point requested. XXXX came with no contact from Shell Point. I called them and was told that I did not send all paperwork needed to process the loan. I have e-mails showing where requests were made every month for same paperwork. Shell Point informed us month that all they could do was offer a repayment plan. We would have to pay XXXX dollars in one month or lose our home. We are two months behind. I have a job and am trying to catch up. I think I have been mislead by Shell Point. We have had three different loan specialist. We were even told verbally that we approved for loan modification. He was replaced and our third specialist was assigned to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is currently in violation and reporting multiple inaccuracies on my most recent credit profile- The company recently sent me an update letter based on a recent dispute letter sent to Equifax on or before XX/XX/2019. Explaining that the company has recently initiated an investigation and has predetermined that there will be no further investigation into this account : a violation Account- portfolio recovery and associates- XXXX XXXX XXXX XXXX If the company continues to report the following information : As appears on my recent credit report : opening date of XX/XX/2019, an inaccurate statement. 

Reporting a past due balance on a closed collection Account. Violation If this information is not changed/ updated Or corrected. I expect a full account deletion of portfolio recovery and associates from my Equifax credit profile. Or by default ; Equifax will be in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XX/XX/2019 Capital One credit card company charged my checking account {$8300.00}. I never in my life carried a Capital One credit card and apparently this was an unauthorized charge. 

On XX/XX/2019 I contacted XXXX  XXXX XXXX to let them know that this is an unauthorized transaction. XXXX XXXX XXXX advised me to file a dispute and they will reach out to Capital One. 

According to XXXX XXXX XXXX, they contacted Capital One more than 5 times since I disputed the charge but they are not getting any response or not even acknowledged by Capital One.

Company response to consumer: Closed with explanation