vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6  months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on XX/XX/XXXX- 16 days prior to the Comenity established payment due date.

I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was  sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX  balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been filing disputes with Experian for over a year regarding discrepancies and fraud on my account. Experian started using stall tactics by sending me letters stating my identity had not been properly identified, even though a copy of my driver 's license and social security card was enclosed with my dispute ( s ).

Once I began noting the FCRA violations in my disputes, they changed the names of the creditors unbeknownst to me. I found these changes  on the XXXX. 

Once I resubmitted my amended dispute, my access to the reports on XXXX became thwarted by erroneous messages of failed identity verification.

Experian has also violated their authorization to bill my credit card for monthly subscription fees by charging me twice in less than a 24 day period. All the while denying me access to my account. Due to the gross abuse and neglect in this matter, I wish to file federal complaints beginning with violations of Sections 616 & 617. Please advise.

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 2020-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: NJ

Complaint narrative:
Southwest Recovery Service put an account on my credit report in the amount of {$370.00} I called to find out what this account was  about back in XX/XX/2020. The rep told me it was a XXXX account for {$50.00} for a business called XXXX XXXX. I told the rep that the business was an LLC owned by me and two other people and why was this account on my credit report and why was I not notified before this charge was placed on my account. She told me to dispute the account and hung up. I disputed the account and it was still not removed eventhough I never received any letter from the creditor, no documents proving the debt and no time given to dispute the debt. I  then called back on Monday XX/XX/2020 and mailed out a payment to pay the debt in full even though I never received proof of the claim, or any type of mail. This was done before I knew my rights to file an complaint against the company. I also want my money back until the debt is proven.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I opened a XXXX secured credit card with credit one, never went over my credit limit, closed my account ( or so I thought ) they left my account open, kept charging me additional fees then interest on the fees and then  reported my minimum balance as XXXX which is incorrect, and then keep charging me interest, it is now XXXX on my credit and is not accurate ...

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 2020-10-17 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: CA

Complaint narrative:
I have been filing disputes with XXXX  for over a year regarding discrepancies and fraud on my account. XXXX  started using stall tactics by sending me letters stating my identity had not been properly identified, even though a copy of my driver 's license and social security card was enclosed with my dispute ( s ).

Once I began noting the FCRA violations in my disputes, they changed the names of the creditors unbeknownst to me. I found these changes  on the XXXX. 

Once I resubmitted my amended dispute, my access to the reports on XXXX became thwarted by erroneous messages of failed identity verification. 

XXXX  has also violated their authorization to bill my credit card for monthly subscription fees by charging me twice in less than a 24 day period. All the while denying me access to my account. Due to the gross abuse and neglect in this matter, I wish to file federal complaints beginning with violations of Sections 616 & 617. Please advise.

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 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been filing disputes with XXXX  for over a year regarding discrepancies and fraud on my account. XXXX  started using stall tactics by sending me letters stating my identity had not been properly identified, even though a copy of my driver 's license and social security card was enclosed with my dispute ( s ).

Once I began noting the FCRA violations in my disputes, they changed the names of the creditors unbeknownst to me. I found these changes  on the XXXX. 

Once I resubmitted my amended dispute, my access to the reports on XXXX became thwarted by erroneous messages of failed identity verification.

XXXX  has also violated their authorization to bill my credit card for monthly subscription fees by charging me twice in less than a 24 day period. All the while denying me access to my account. Due to the
gross abuse and neglect in this matter, I wish to file federal complaints beginning with violations of Sections 616 & 617. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I paid National Credit Adjusters {$400.00} to settle the debt of {$480.00} from a closed Total Visa credit card. The original debt from the creditor was {$400.00} and it was bought by NCA. They never mailed me a notification of the debt to dispute accuracy or settle. I saw it on my  credit report on XX/XX/2020 and it said that the debt was from XX/XX/2020. I called them on XXXX and XXXX within their business hours and they were not available as the after hours message was turned on. 

After settling the debt, they advised that they would be sending a letter to credit reporting agencies to remove the debt as paid in full. Instead they reported the collections again as {$87.00}. This was settled yet they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
Sold residence in XXXX ; escrow funds were never received. Located funds in unclaimed property, {$2500.00}, with the State of Illinois. Submitted paperwork for signature verification by a notary to firm in  XX/XX/XXXX. Still waiting for documents to be sent to the State of Illinois. State of Illinois has closed claim for a lack of activity. See  below. 

Unclaimed Property Time Line XX/XX/XXXX Discovered unclaimed property on website ; claim filed XX/XX/XXXX Required documents notarized at bank XX/XX/XXXX Mailed documents to State of Illinois to process claim XX/XX/XXXX Received verification form from Illinois via email XX/XX/XXXX Emailed verification form to XXXX XXXX at Dovenmuehle Mortgage Inc. 
Received acknowledgment of email received from Ms. XXXX XX/XX/XXXX Sent email to Dovenmuehle Mortgage Inc. asking for status of claim No response from Dovenmuehle XX/XX/XXXX Called Ms. XXXX at Dovenmuehle for status ; left voice mail ; no response or return phone call XX/XX/XXXX State of Illinois status - dropped for inactivity or duplicate claim XX/XX/XXXX Contacted Dovenmuehle Mortgage Inc. customer service Explained issue to representative asked to speak to a supervisor ; called transferred to supervisor ; no answer ; automated disconnect after preset time ; did not talk to a supervisor. 

Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I keep writing innovis and they keep asking for documents. I keep sending them everything they ask for and they are reporting fraud information on my report also they are using a automated system instead of dong the validation manually. Im at my limit with this company ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XXXX XX/XX/2020, I noticed that Ford Motor Credit Company had pulled my credit. This was done without my authorization. I called Ford Motor Credit Company and they advised that there was nothing they could do to help me in this situation. I am concerned that my credit was pulled without my consent and further worried that someone maybe trying to take out a loan using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol Bank is reporting false account and information on my credit file. 

I request the an original Consumer Contract with my Signature on it that is required to be 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 XXXX  was unable to provide me a copy of verifiable proof, XXXX XXXX must remove the accounts listed below.

Attached police report and FTC report. Forward to creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Currently, TransUnion continues to show 30 days past due that's reporting negatively on my credit report. The representative from XXXX contacted TransUnion regarding the dispute. An Align Income Share Funding servicing representative has reached out to Ms. XXXX ( me ) personally to discuss the issue and inform me ( Ms  XXXX ) that they will be removing the negative 30 day past due reporting from her credit report. Please remove immediately!

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 2020-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC
State: MN

Complaint narrative:
Our mortgage is currently in forbearance according to the CARES Act. On the very day our forbearance started on XX/XX/XXXX, our mortgage company ( Movement mortgage ) transferred it to a new sub-servicing company that is in charge of processing payments. They also changed our loan number. It appears as if they are playing musical chairs with loans and knowingly causing more stress and confusion to their customers during this difficult time. In dealing with  this new company ( XXXX XXXX ) we have been giving a myriad of a

nswers and explanations stating that we are under forbearance, then loss mitigation, and now its in their collections department. Our loan was never in default and the status was current prior to asking for forbearance. We dont understand why its in their collections department. Contrary to the Cares Act, we have been told that we must report to
them every 3 months with a 15 day approval process to continue forbearance. Isnt this a violation of the enacted law? They have also sent us documentation that we have not signed that appears to
shorten the forbearance period. Isnt the length of forbearance 180 days according to the Cares Act with one allowed extension for another 180 days? Their representatives swing from being semi-helpful to aggressive and rude. They also appear to provide misleading information that they may be using to dissuade customers from remaining in forbearance when its truly needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: World Acceptance Corporation
State: TX

Complaint narrative:
I have contacted this company multple times about A fraud account that is listed on my report. I was informed they sold the accunt to XXXX XXXX I have enail communication from that company directing me to contact qorld finance. It seems as though I am being bounced around. The address the company has is also A flagged fraud address on all 3 of my reports. I have not been able to get this resolved nor removed and would like to take things A step further legally. I have filed A complaint with FTC in regards to the ID theft and also have extended fdaud alerts on all reports as A result of the fraud accounts.

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 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX XXXX   # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$8700.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows a Credit Limit {$7500.00} and a Charge Off/Close Account must show {$0.00}.

4. Delete this account, because it shows Payment History reported 45 charge-offs, 30 Days Late XX/XX/XXXX ; 60 Days Late XX/XX/XXXX ; 90 Days Late XX/XX/XXXX ; 120 Days Late XX/XX/XXXX ; and consecutively as NEGATIVE in XXXX ; in XXXX ; in XXXX ; XXXX XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as N - Negative reported on my credit report.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act

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 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been with Capital one since XXXX. I have 10 accounts with them. I have recently been adding authorized users to my credit card starting in XXXX of XXXX to help friends and family build there credit which is well within my right. Capital one has constantly restricted my accounts for fraud. This card has been open for over 7 years and has never had problems until I have added authorized users. I have sent them all of the documents they have asked for and they still choose to close my account. They wont give me any information as to why after 7 years that my account is being flagged for fraud. They are not taking into consideration that I have been a customer for 11 years with no fraudulent activity. They made me verify the people that were added and than after verifying and reinstating my card a month later asked me to reverify the same people and than closed my account permanently saying that they couldn't verify them. These are real people, with real identification, and real social security cards. When they first asked for verification the friends and family were XXXX people. When there were issues with ID 's not scanning Capital one called back and let me know which ID 's had a shadow and the system would not pick it up. I was instructed to correct the issue and resubmit. They also called and let me know to have the cards resubmitted so that all four corners could be seen. This last time when I added my friend from XXXX they called back with no explanation and said that my account will be closed permanently due to a person that could not be verified. Seems really shady that the first time they were more than willing to offer information but did not want to offer anything and was real quick to close my account. This will drop my credit score at the time I am trying to get a mortgage for my first home. I have worked hard to get my credit where it is and I need my credit history, which can not happen over night.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: CBC Companies, Inc.
State: PA

Complaint narrative:
Innovis is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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 — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens One Bank reported me and my wife as over 90 days late on mortgage payment for XXXX and XXXX. this report dropped our credit score more than 100 points for both of us. 
I did pay both months on XX/XX/2020. 
we were in the processing of refinancing our home loan, but because the drop of our credit our application has declined. 
we started the application in XXXX. the new bank asked Citizen bank many times for the payoff balance many toms, but Citizen bank didn.t provide the information and this cause a huge delay on payment.

closing was scheduled in XXXX, but Citizen didn't give us the Payoff balance. Then  scheduled in XXXX, XXXX and then XXXX. 
we got the payoff balance only in the end of XXXX when I called by myself to aske for it, but the bank was reported us already.

my wife and I are essential workers. we work hard to build our credit. we haven't reported as late payment before.

could you please help us to fix our credit score so we can refinance our home loan.

I have attached a copy of my credit report. you can see that  XXXX and XXXX over 90 days. 
I don't understand how come XXXX and XXXX are over 90 days when they are not 60 days away yet.

Company response to consumer: Closed with explanation