vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I believe that Comenity Bank intentionally deceived its customers including myself in regards to promotional financing offered through its account. I can explain it in two steps. 

# 1 The first being paperless statements. We all want to do what's right for the environment so when the option to enroll is available I click yes. So I did. Problem is they list the promotional finance summary on PAGE 3 of the statement. This is not available or shown AT ALL on their companies WEB INTERFACE. It doesn't exist. 

# 2 Is the web payment options. There is none. It is the only credit card I have that didn't have the option of enrolling in RECURRING PAYMENTS. After all, If I sign up the promotional financing instead of the reduced price on the item purchased, I'm obviously planning it out to pay all of the financed amount off in a 12 month or less period. Comenity didn't have a recurring payment option until recently. I believe this was intentional on their part and the retailers. The customer chooses to pay the higher sticker price to get the reduced financing charges. The finance company then makes it impossible to set up recurring payments and in turn its a double dip. 

The reason for this email is I was dealing with a parent in hospice from XX/XX/XXXX -  XX/XX/XXXX and I did not know that my promotional period was ending. So when I made a payment it was too late and I got whacked for {$770.00} worth of finance charges. When I asked them to remove this and explain my situation in a calm manner they said NO. This is a disgusting business practice and Im sure it has happened many times over. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: ID Analytics, Inc.
State: TX

Complaint narrative:
SageStream , LLC purports to be a legitimate consumer reporting agency, and they are in fact listed on the CFPB web site as such. However, the instructions to contact this company ( for any matter, not just for a copy of a credit report ) are misrepresented at best. When calling the company 's main number, one is taken through a litany of options which all result in recorded instructions to send your confidential and sensitive personal information to them using unverifiable addresses and fax numbers. The only other option is to " hold '' to speak to a live person, but that option only leads to an automatic " we're sorry but everyone is busy '' message with instructions to leave your name and number at the beep for a " call back within 24 hours ''. In this day and age of Americans receiving numerous daily calls from scammers from everywhere on the planet, how is anyone to know if the " call back '' you get from SageStream , LLC isn't someone posing as an identity thief? If this company were legitimate, they wouldn't structure their consumer interface activities in such a clandestine manner. I have tried in earnest to make contact with someone at SageStream ( without leaving my sensitive information " at the beep '' ), and I have no way of knowing that I'm not voluntarily giving away everything that I've worked for my whole life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Sequium asset solutions called multiple times from multiple lines to my cell number. They call repeatedly. They called 3x today that I answered. 2x I told them to stop calling, 1x specifically to not call that number and they still kept calling. I asked for mail only and have received nothing from them but a ridiculous amount of phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I have called XXXX to remove fraud from my account and they transfer me over and over again and the fraud department tells me that my information is not good enough. They tell me that even though the dates are wrong on the lease and there are made up numbers on the alleged formal debt letter that I still have to pay the {$8500.00} the debt collection company has now tried to collect from me. I have tried to report the creditor and this company said because they don't answer there is nothing that can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED INQUIRIES DOES NOT BELONG TO ME, PLEASE INVESTIGATE AND HAVE THOSE UNAUTHORIZED INQUIRIES OFF MY 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 non-monetary relief
Consumer complaint received 2019-10-15 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: NY

Complaint narrative:
THE DISPUTED INQUIRIES DOES NOT BELONG TO ME, PLEASE INVESTIGATE AND HAVE THOSE UNAUTHORIZED INQUIRIES OFF MY 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 2019-10-15 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: NY

Complaint narrative:
THE DISPUTED INQUIRIES DOES NOT BELONG TO ME, PLEASE INVESTIGATE AND HAVE THOSE UNAUTHORIZED INQUIRIES OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
On XX/XX/2019 I sent a payoff amount of {$44000.00} online thru XXXX XXXX XXXX XXXX to Gateway One Lending and Finance. 

Today, XX/XX/2019 when I try to log into my account, it says that my account # is not valid and that my email address is not valid. 

Now I have no way to access my account information and I don't know if/when I will receive the title to my vehicle. 

Thank you for your help. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
XXXX called saying they were XXXX XXXX to collect debt of XXXX that was not obtained by Toyota Financial from my XXXX XXXX. Once I mentioned I have heard nothing about this and would check with Toyota first, they put me on hold. Name of individual was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have fraudulent accounts, I did not open on my credit report and I have contacted the credit bureau 's and credit companies to have the items fixed on my credit, but the items are still reporting on my credit and is damaging my credit history. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have two WELLS FARGO store accounts and they are incorrectly reporting that I have disputed the accounts which I HAVE NOT. The credit bureaus are telling me that every time they remove the incorrect remark from my credit report that Wells Fargo reports it again each month when they report my payments. This is absurd and this needs to stop. Wells Fargo has been found guilty of creating fake accounts, they have been found guilty of costing people a mortgage and now they are making false, unverifiable statements on my credit reports each month. I am attaching a copy of the credit report remarks as proof as well as a scanned copy of the two account cards that are verification of the accounts in question. I simply want the remarks to be removed from my account permanently and for them to not put them back on my account when they report each month. 

If they do not want to honor my request then I will have the State Attorney General to step in and investigate and I will have no choice but to sue them. This is disgraceful that they would do this to me each month and I want it to stop. 

I am paying you guys each month, you have closed the accounts so why are you trying to harm me. I am trying to get a mortgage and can not do so as long as you are putting these negative remarks on my credit report. 

1. XXXX acct XXXX ( See attachment ) XXXX 2. XXXX XXXX XXXX ( see attachment ) 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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XX/XX/XXXX, I filed a Chapter XXXX Bankruptcy for credit card debt relief which was discharged in XX/XX/XXXX. At the time of filing I had a Visa credit card, first mortgage and second mortgage with Bank of America. I qualified to keep my home and continue paying off the mortgage, so the only account listed on the bankruptcy was the Visa. Shortly after the discharge, my second mortgage was sold and BOA no longer services that loan. However, I regularly check my credit report and saw that BOA was no longer reporting payment made toward my first mortgage to the credit bureaus, and my credit report shows both accounts as closed. I filed a dispute with XXXX XXXX about the first mortgage, but I was unsuccessful. I then contacted BOA by phone and was told I would need to submit a dispute in writing which I did some time in XX/XX/XXXX. I just received a notice from BOA dated XX/XX/XXXX. It states : " We received your inquiry to adjust information previously reported to the consumer reporting agency for the above referenced account. We've completed our investigation and have confirmed : This account is being reported as a discharged bankruptcy ''. This information is 100 % wrong, it was NOT listed on the bankruptcy and I have never missed a payment toward this mortgage OR my second mortgage. At this point I feel helpless, all I want is for them to report the payments I've been making so I can rebuild my credit. Why is this so difficult?

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 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app!!! Last week I got money sent. Because the screen on my phone cracked. 

I tried to login, MY EMAIL asked me to create a new account. 

I have been emailing for a week, NO response until today. 

I got a copy and paste response ... a different person responded and asked for the I go I already gave ... ..then stopped RESPONDING. 

I even tried to use another email. They BLOCKED ME AND DONT RESPOND. 

I needed my money, NO matter the amount. 

They are not trying to give me my money back. I HAVE ALL EMAILS CONFIRMING THIS. PLEASE HELP ME GET MY MONEY BACK. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
My husband lost his job on XX/XX/2019, which resulted in approximately {$7000.00} in net income. 
We submitted a loss mitigation application to SPS in XX/XX/2019. Each time I reached out to SPS regarding the status of my application, I was told that additional information was needed. Quite often the information I was told was needed had previously been submitted or questions regarding an item on a document was verbally explained to an SPS representative. I had to explain, on more than one occasion, the relationship between an XXXX XXXX driver ( which I do on a very part time basis ) and the company ; and that I am an independent contractor and as such choose to drive when I want, so my income varies. SPS requested P & Ls, which I timely submitted. 
Additionally, on two occasions I have had to clarify my husband 's re-hire date of XX/XX/2019 ( this was also explained in the hardship letter submitted in XXXX ). 
The documents we submitted then became stale dated, so updated paystubs, bank statements etc had to be resubmitted. 
We received a letter dated XX/XX/2019 stating that SPS had received " ... your complete Assistance Review Application including all required information and documentation necessary to evaluate your account for loss mitigation assistance on XX/XX/2019. '' The letter further states that a decision shall be rendered within 30 days. 
However, when I followed up with a phone call to SPS on XX/XX/2019, XXXX XXXX, told me that additional information was needed : an updated bank statement. The bank statement was submitted the next day. 
Today, XX/XX/2019, I contacted SPS and spoke to XXXX XXXX regarding the status of our loss mit review. Mr. XXXX told me that additional documentation was needed and that my husband 's pay stub had been rejected and clarification was needed regarding my husband 's rehire date on XX/XX/2019. I was also told that the P & L that was submitted had also been rejected. Once again, on two prior occasions I clarified his rehire date along with addressing it in our hardship letter and previously submitted ( over 1 month ago ) the P & Ls. 
Based on SPS ' letter dated XX/XX/2019 they have received a complete package and should not be requesting additional information at this time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliance Collection Agencies, Inc.
State: MN

Complaint narrative:
1. They kept calling, leaving messages without identifying who they were and why they were calling. 2 They contacted people outside my home. 3. They threaten to take other actions if I didnt call back. 4. I returned the call and got the name of the company and realized it was a collection agency, Alliance collection Agencies in WI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I can not get Equifax to lift my credit freeze or respond to my complaints. Last XX/XX/XXXX, I  requested that Equifax permanently lift the freeze because I was never able to use their website or the PIN they gave me to manage my credit freezes. Every time I called, I was answered by a call center employee who either told me to fax or mail my request ( both of which I have done multiple times ) or to " rest assured '' they would fix the matter soon. I never got a response. I am now applying for a mortgage and can not get pre-approval for a loan because my bank can not pull my Equifax credit score because the freeze is still in place. I have called Equifax multiple times, faxed my request, mailed my request, chatted with agents online, and asked to speak to a someone with the ability to help me. There is never a response beyond being told I should rest assured they will email me or advise me in 5-7 days when my fax/mail is processed. It never occurs - I never hear back from them. Their telephone verification system does not work and the people in the call center can't do anything. I've spoken with 10 different agents today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a security freeze on my credit. In the past, I was able to use a PIN number that Equifax provided to temporarily lift my freeze. Since Equifax rolled out my.equifax.com, I  am now unable to use any electronic means to change my security freeze status. All attempts to contact Equifax through various communication channels, chat/phone, have been unsuccessful. Not only have these attempts been unsuccessful, the customer service agents have not been able to provide any escalation path to addressing my issue. 

I am at a point where I can either leave my security freeze in-place and use the other two bureaus to unfreeze my credit or mail my request for a temporary lift to Equifax as the need arises. I would prefer to keep my security freeze in-place as my SSN and PII was subject to the recent data breach with Equifax. 

I am looking to connect with someone who can help address any issues with my account so I can begin using digital means of managing my security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express blue prepaid card XXXX XXXX XXXX, code XXXX, expiration XX/XX/XXXX charged me {$2800.00} without my permission or authorization for a car rental which was already prepaid. They took {$900.00} I had on my account at that time, plus left unpaid balance, and fees American express imposed. It happened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have fraudulent accounts, I did not open on my credit report and I have contacted the credit bureau 's and credit companies to have the items fixed on my credit, but the items are still reporting on my credit and is damaging my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC
State: CA

Complaint narrative:
The bankruptcy filed was by an attorney who dismissed it the next day telling me that it will not be on my credit and it is still showing. The bankruptcy papers was prepared in 2016 and dismissed. I have talked to her and she mentioned that I need to dispute it and it should have not been on my credit. Please review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had opened a citi bank credit card on XX/XX/2019. In order to open this card you needed to connect your bank account to put your own money on the credit card. It is not borrowed money from the credit card. You can only spend what you deposit onto the card. I deposited {$900.00} onto the card. Which came out of my bank account. On XX/XX/XXXX I had spent ONLY {$900.00} on a purchase. Which was my money I deposited onto the account. After i had spent my money that was in the card to make the balance {$0.00}. I called and closed the account because i only needed the card for 1 purchase. So on XX/XX/2019 the account was closed. On XX/XX/2019 I got something saying my minimum payment of {$25.00} was due. I didn't understand this because I had closed the account. Didn't borrow any money from them. Only used exactly to the XXXX what I had deposited onto the card. And now they are calling me telling me I owe them over {$200.00} when I had closed the account before the billing cycle. And only spent my money that I deposited.

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 2019-10-15 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:
My wife and I opend a joint credit card account that she is the primary holder of, I am just an authorized user.I had never used that account ever.However, It has been affecting my credit score so much so that my credit score took a nose dive of 53 points with Equifax today, which prompted me to close the joint account on my side on the phone today.

Company response to consumer: Closed with explanation