vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This complaint is in reference to Comenity XXXX, services offered by XXXX XXXX Bank via their XXXX  Credit card plan. I had a balance on the XXXX Credit card of {$4600.00}, I made a significantly large payment of {$2900.00} to my account in XXXX to pay off my outstanding expiring plan in full to avoid paying accrued interest, in addition to a small monthly minimal payment minimal payment. The company in my opinion purposely did not apply the payment to the charge I intended to pay off in full and instead charged me in my most recent statement {$1100.00} in interest charges for not paying this balance in full, despite the fact that I had. This company purposely buries late fees and charges to catch their customers from their home screen dashboard, it is very unclear what's going on in the account. In addition, there system is poorly managed so something like this can happen and one can not purposely direct their payment to pay off the correct balance and prevent this misapplication. I called the company and spoke with XXXX XXXX # XXXX to fix the situation and have my payment applied as intended, they did not work with me to correct the payment. I think this company is fraudulent, purposely hides payment dates, leaves their customers on long call wait times and does not communicate to their clients their potential late fees and charges. Their home screen is very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TX

Complaint narrative:
A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX  balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX  balance. I have the proper documentation stating that it is paid in full. XXXX XXXX is also trying to collect on this debt. I will attach the {$0.00} balanced receipt

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
In late XX/XX/2020 I contacted Owning Corporation to inquire about refinancing my home. They were advertising a 1.75 15-year rate that I was interesting in. After agreeing to move forward based on the information XXXX XXXX XXXX Owning ) provided I was told by XXXX that some rules would change on XX/XX/XXXX and they needed to charge me more money than originally quoted. After talking to XXXX and thinking about it, I emailed XXXX on XX/XX/2020 stating " Regardless of why the terms are different from what we discussed over the phone and you reviewed with me, I'm not comfortable moving forward. Please cancel my refinance with Owning. I will let the appraiser know so there isn't a charge for his services at your end. " XXXX emailed back on XX/XX/2020, at XXXX XXXX, XXXX XXXX XXXX wrote : > I will cancel it immediately. 

In late XXXX I received a phone call from XXXX asking me if I had 5 minutes to review my application and go over some questions. I told him I decided not to move forward with the refinance and he said, " you're right, I called the wrong person. ". Then, on XX/XX/XXXX I received a large packet in the mail from Owning Corporation addressed to XXXX XXXX at my home address. The first page of the packet has my name, XXXX XXXX 's name and my address listed on a document as if we were co-signers of a mortgage. 

To be clear, I do not know anyone named XXXX XXXX and a XXXX XXXX does not live at this address. I called XXXX XXXX and he said " Oh, there was a mix up with names, address and files. By law, I had to mail that document to you since it was produced but it has been cancelled. '' I am concerned that either Owning or XXXX XXXX is trying to take out a mortgage with my address and/or credit. This is fraudulent activity if that is the case and I do not authorize Owning to run my credit, start a mortgage application or produce mortgage documents with my name and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid XXXX XXXX XXXX XXXX the total balance owed for an auto loan, which amounted to $ XXXX in XX/XX/2020. There was an issue with their accounting and they reported my account late for the following month of XX/XX/2020. I disputed the derogatory information in writing online/by phone and they submitted an electronic correction of the erroneous information to all 3 Credit Reporting Agencies. The derogatory information was removed/corrected by XXXX XXXX and XXXX, but not has not been corrected by Experian. After repeated attempts, Experian has not removed the inaccuracy and the representatives have been unprofessional and not very helpful, especially during my call today.

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I applied for a forbearance plan under the Covid-19 Cares Act rules. I called the loan servicer Mr. Cooper and spoke to 7 people over the course of and hour and 20 mins and no one could help me. The customer service people that answered the phone were, XXXX, XXXX, XXXX, XXXX, XXXX ( the nicest person I spoke to ), XX/XX/XXXX, XXXX,. I spoke to XXXX he said he will be able to take care of the forbearance and then he said he needs to transfer me, he did to XXXX, and XXXX said he could not help me and he needed to transfer me again to XX/XX/XXXX/XX/XX/XXXX, and then she put me on hold and put me back in the cue again and the next guy that picked up asked me exactly the same questions XXXX asked and then was quite rude in asking questions to qualify me for the forbearance and said that the investor does not have to follow the rules that were set up under the Covid-19 rules for forbearance. The longest time frame he had available was 3 months, I asked for 6 mths and he said I was telling him how to do his job and then I asked for his Supervisor and he at first would not give me his name and then I insisted and he gave me the name of XXXX XXXX as his supervisor, I asked to be transferred to him and XXXX transferred me to a different department and not to his supervisor. I have been on the line for 1 hour and 53mins so far and still have not had the forbearance plan put in place for me. This servicer is a prefect example of servicers that have no respect for their clients and till I applied for the forbearance, I had not missed any payments and never been late 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: UT

Complaint narrative:
I have been sending out disputes to each one of the credit bureaus : Transunion, XXXX, and XXXX  since XXXX and they have yet to respond to any of my disputes or provide any results. I have done my research and they are still supposed to be providing results despite of the pandemic. Legally they have 30 to 45 days to respond so why has it been over 5 months and still no response to any of my disputes? I need erroneous items removed from my credit file and you are required to respond to 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 explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Recently, a collection agency named Credence started reporting a {$9000.00} collection account on my credit report. I have no outstanding balance owed to anyone that equals that amount, so I wrote to Credence Resource Management on XX/XX/XXXX, and asked them to remove the error from my report. I also asked, if they beleived the debt was legitimate, to send me a detailed itemization from the original creditor, to verify the debt. Well over 30 days have passed, and this collection agency has done neither.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I rented a car in XXXX. At the time of returning the car, the rental company charged my credit card {$2200.00} in damages that I did not agree with. The condition report that was sent to the credit card company was not signed by me. Furthermore, I did not cause any damages to the car. I have attached pictures of the car, as well as the condition report signed by a different individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, COMENITYBANK/XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2020 I requested to Wells Fargo to remove from my credit report. On XXXX 2020 I received their responded. On the letter, they asking the consumer reporting agencies to update their records to show the credit inquiry as a soft inquiry. Its has been two months since then and Hurt Inquiry still on my credit report.

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 2020-11-30 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: UT

Complaint narrative:
I have been sending out disputes to each one of the credit bureaus : XXXX, Equifax, and XXXX  since XXXX and they have yet to respond to any of my disputes or provide any results. I have done my research and they are still supposed to be providing results despite of the pandemic. Legally they have 30 to 45 days to respond so why has it been over 5 months and still no response to any of my disputes? I need erroneous items removed from my credit file and you are required to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: UT

Complaint narrative:
I have been sending out disputes to each one of the credit bureaus : XXXX, XXXX, and Experian since XXXX and they have yet to respond to any of my disputes or provide any results. I have done my research and they are still supposed to be providing results despite of the pandemic. Legally they have 30 to 45 days to respond so why has it been over 5 months and still no response to any of my disputes? I need erroneous items removed from my credit file and you are required to respond to 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 explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I previously went online and linked my savings account to my checking account to have overdraft protection. On XX/XX/2020 a check was returned and I was charged an overdraft fee. Now the company that the check was returned to will not allow me to write checks unless I have a letter showing that it was the Bank 's error. I called the Bank and was advised that the linking of the accounts were done in the reverse ( that funds in the checking would cover overdrafts on the savings ) ( I don't understand why anyone would want to do that ) .. The Bank said they would fix the error and send me out a letter explaining the error. Today, XX/XX/XXXX, I attempted to use my card to make a purchase and it was declined. This means that they have not fulfilled my request made XX/XX/2020 to link my savings account to cover overdrafts on my checking. I had to manually transfer funds from my savings to my checking to cover my purchase.

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ladera Lending, Inc
State: CA

Complaint narrative:
Ladera Lending of XXXX XXXX, CA ran my credit without my permission. I spoke with them but told them I wanted to get rates first as I was comparison shopping. I never gave them my Social Security number, but somehow they ran my credit as a got notice of a " hard '' inquiry. I called the number on the inquiry and they confirmed that XXXX XXXX of Ladera Lending ran my credit. 
When I contacted Mr. XXXX, he said that XXXX XXXX provided my SS # and thought it was OK. I did sign up with XXXX XXXX to get rate quotes, but NEVER gave out my Social Security number or gave anyone the right to run my credit. 
I am very upset and want to find out how this happened and have them undo the credit inquiry. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXXphone number is XXXX.I told my workers compensation lawyer about this bill I recieved..he told me he will handle it..why I keep getting this doctor bill..for {$28000.00} dollars..the doctor is XXXX XXXX  XXXX XXXX. Account # XXXX..my lawyer XXXX XXXX XXXX XXXX XXXX pa ... I told him about this..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear CFPB It has been over a year now that i had i notice a collection account wrongly reporting on my consumer report. I disputed the account as been inaccurate. XXXX, XXXX  and XXXX deleted the collection account because they had investigated and found out this above named collection account has been reporting inaccurately on my credit. Transunion on the other hand kept telling me that that same account was verified as been accurate. I then noticed that the personal identifiers linked with the account were not mine so i sent a new dispute out to Transunion requesting investigation and deletion of those erroneous personal identifiers. TransUnion has investigated and deleted those identifiers but has kept that collection account on my credit report. i had sent out a letter to Transunion demanding that they provide me with they process of ensuring accuracy of the above mentioned account. Please review the attached copy as you will find out that Transunion has not provided me with a process of ensuring the accuracy of the collection account and has not even properly investigated the account otherwise they would have found out that this account is reporting inaccurately and delete it just as every other credit reporting bureau did.

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have been XXXX  in the XXXX XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX since XX/XX/2007. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to capital one regarding the XXXX store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. 
Where capital one denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account, they sent any credit card to a prison. Any address on my credit report is a result of my Identity being stolen. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Second request ... ..I received a call from XXXX and follow up email stating it could take up to 60 days for this error to be corrected. I am requesting CFPB notify the major credit agencies Transunion, XXXX, XXXX, and XXXX who reduced my credit score from XXXX to XXXX in error. This error will have an effect on any major purchase I had planned in the month of XXXX. Hopefully, with your help this matter can be rectified asap.I will attach a letter from XXXX which does not state who they are going to notify and not a person to follow up with. 
Thank you again, 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 non-monetary relief
Consumer complaint received 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. XXXX Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand, 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 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting 5 late account in the Account Summary on my credit report and they are not any late payments. This effecting my credit score and they need to be sued. I have requested this correction to be fixed over a year now. 

Please see attachment and why do I have to wait 60 days for them to correct this issue.

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