vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, I applied for a refinance of my home with a cashout to reduce debt. The refinance closed on XX/XX/XXXX and I received checks to payoff the debt on XX/XX/XXXX. Comenity-XXXX was one of those accounts. The payoff amount was {$350.00}. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX sent me check # XXXX in the amount of {$350.00} to send to Comenity-XXXX  XXXX. I mailed this check on XX/XX/XXXX with a copy of my current statement. As of XX/XX/XXXX, that check had not cleared and the payment had not been posted to my account. I had been charged a {$29.00} late fee and {$8.00} in interest. I contacted my mortgage company and told them a check may have been lost. I contacted Comenity-XXXX and told them a stop payment had been issued and I was sending a new check. This was check # XXXX and it was issued on XX/XX/XXXX. Comenity-XXXX  XXXX gave me an address to send the new check. That address was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX. On XX/XX/XXXX I paid {$26.00} to 2-day Express Mail and get a receipt that the check had been received. I received the receipt with the signature of a representative from Comenity-XXXX  XXXX signing for the check on XX/XX/XXXX. However, my payment was not posted to my account until XX/XX/XXXX. I started receiving phone calls from Comenity-XXXX  XXXX around XX/XX/XXXX telling me I was in arrears on my account for non-payment of a debt. On XX/XX/XXXX, Comenity-XXXX  XXXX processed check # XXXX. This check was returned to them due to a stop payment being issued as the check was presumed lost. Comenity-XXXX  XXXX contacted me regarding the return of my payment. We had the conversation once again that the first check had a stop payment issued since the payment had not been recived by Comenity-XXXX  and a second check had been issued. I had receipt of Comenity-XXXX  receving the second check. I was told there was no documentation that anyone from Comenity-XXXX  had spoken to me. I was told to go to the secure message center and file my complaint in writing which I did on XX/XX/XXXX. I received a letter in the mail, dated XX/XX/XXXX that they are researching my complaint and it may take up to 90 days. It also stated I would receive notification of their findings. To date, I have received no communication with the exception of a bill showing my {$350.00} payment, check # XXXX posted XX/XX/XXXX and that I still owe XXXX in late fees and interest. I called Comenity-XXXX  today, XXXX XXXX to ask to have the fees reversed and was told Comenity-XXXX will not do that anymore. I asked to speak to a supervisor and was put on hold only to be put back into the automated answering system loop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report. It has been 45 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: MI

Complaint narrative:
On XX/XX/2021 My mother received a voicemail concerning a debt held in the amount of XXXX dollars in my name. The autodailer left a voicemail discussing the details of my debt. I was instructed to call XXXX to resolve this debt or go online to https : //www.directrecoveryservices.com/ to arrange payments. This is all recorded with the exception of the dollar amount. I called there XXXX number and told them what they just did and how it violated the Fair Credit Reporting Act, the person hung up immediately. Very unprofessional. Now my mother is concerned, I am embarrassed, and these people have made no effort to even apologize. I have a copy of that voicemail, this company should be ashamed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Allied Collection Services is attempting to collect on a debt that was never ours. The debt is/was with XXXX XXXX XXXX. The vehicle in question was sold to my brother prior to the the vehicle being towed/impounded. He hadn't registered the vehicle in his name prior to illegally parking the vehicle, resulting in the tow. This debt was never ours since the vehicle was no longer my asset. I have attached the bill of sale showing the vehicle was sold prior to the tow date, as well as a copy of the trade-line from 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 2021-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX and XXXX It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

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 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: AZ

Complaint narrative:
In the state of Arizona, a debt collection agency must have an license and bond from Arizona in order to perform business within the state of Arizona. Complete Credit Solutions does not possess either requirement as of XX/XX/XXXX. Complete Credit Solutions has been attempting to collect a debt that they have not validated to be mine beginning XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: TN

Complaint narrative:
As of XX/XX/XXXX, I have received a copy of my credit report and noticed there was a fraudulent credit card account opened in my name. The account was opened in XXXX of XXXX. This account has missed payments as it is affecting my approval chances. It is reflecting to my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
My wages are being garnished for debt that is not mine {$7200.00} CROWN ASSET MGMT Garnishment started in XX/XX/XXXX court date on papers are dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My chase Amazon visa credit card had incorrectly filed my dispute as " cancelled charge '' when I had called customer service for a Double charge. I contacted them and showed them the second charge, and they said they could " no longer recover the fund '' because 60 days had passed. Attached is my insurance payment showing this same charge was Also charged to my insurance.

This is a violation of FCBA because Chase 's dispute department had incorrectly filed my dispute and is now saying they are unable to return the charge due to their mistake. I spoke to customer service several times, including XX/XX/XXXX, XXXX with XXXX XXXX, an account supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
their strange security non sense, blocks every payment also for a {$1.00} or a few dollers the forst time their security non sense system blocked the card usage when i tried to make a purchase of less than {$10.00} they then answered by email and confirmed the removal of the account blockbut once again when i tried to pay a service for less than {$10.00} aso using a virtual credit card for internet purchases and not the primary one, they blocked the transaction again eevery time they ask to call their phone number, but again we are not a call center and we are the customers here currently i can not use the card because their security non sense has blocked tagain he transactions when i tried to make a purchase of less than {$10.00} using the one time virtual credit card linked to the primary cardc

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 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Servicing, sent me a letter stating that I was in default of not making payments but we have been making our payments on time and we have proof that the checks we mailed were cashed but we're still getting a notice stating that we're late and we are in Jeopardy of being in foreclosure. I'm trying to figure out how or we're late and if there's any way the company can send us a printout or something showing their investigation result. This situation needs to be fixed and I am not a happy customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
CC TD BANK USA/TARGETCRED XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc.
State: IA

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 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 that 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 ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I received a loan in the amount {$10000.00} from NetCredit in XX/XX/2019. I make bi-weekly payments in the amount of {$240.00} ( {$480.00} monthly ). I noticed that my balance was not reflecting the amount of money I had repaid into the loan. I called NetCredit to see if there was an issue with their reporting. I was shocked to learn that the APR attached to my loan was 59 %, which I dispute. I logged into the online account and see no reporting of the APR with my account. Had I not called I would not have known. I consider this to be predatory lending. I asked if the loan could be restructured since I was not in agreement with the high APR and they said it was nothing I could do. 

I'm seeking help with this matter because I feel there are others that have been taken advantage of and will not know to call and inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: MS

Complaint narrative:
I have requested the method of Verification from Transunion and they refuse to send the method of verification for a Chapter XXXX Bankruptcy. I enclosed the letter from the court system that states they do not provide information to the Credit Bureaus.

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 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was advised by Chase that on Monday XX/XX/2021 XXXX XXXX XXXX XXXX, my credit card was used at several department stores in XXXX XXXX for XXXX {$1200.00}. Through many attempts of speaking with Chase representatives ( including their corporate office ), I am being told that they have investigated this incident and will leave the fraudulent charges on my account for me to pay. As you can imagine, I am very upset being a victim of fraud and to be told by the company who should be protecting me that I benefited from the charges. I was at work, I supplied them with my timesheet, receipt from my lunch that say and a receipt from the car dealership that same afternoon showing i was in XXXX. I am still in disbelief so I wanted to pursue this investigation on my own. Im attaching my saved location services showing I was at work!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filed a dispute with chime my account was hacked and XXXX of mine was used on XX/XX/XXXX I received a email stating chime was closing my account I had XXXX in my checking account and the account got closed Now I have no idea where my Money is or how I will receive it back along with the XXXX that was used without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Consumer Credit Counseling Service of the Midwest, Inc.
State: PA

Complaint narrative:
XXXX manages payme to for this account through their XXXXXXXX XXXX XXXX all payments have beenade on time per the agreements with the creditors but the creditors XXXX and XXXX have reported adverse actions on my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX manages payme to for this account through their Credit counseling services all payments have beenade on time per the agreements with the creditors but the creditors XXXX and XXXX  have reported adverse actions on my account.

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 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've attempted to remove lates in lieu of good faith payments and the company has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I've attempted to remove the lates in lieu of good faith payments and the company has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
I've been disputing my credit file with the 3 credit reporting agencies XXXX XXXX and Equifax to correct the inaccuracies found on my credit file. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving accounts high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts, Inorrect Personal Information reporting Wrong social security number reporting. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Unvalidated debt was deleted and than reported again. 
Further requested information has never been investigated, no investigation report has ever been received. See attached correspondence. According to FCRA unverified, unvalidated account must be removed from the inquiry initiated by the customer after 30 days. 
Please see attached letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage. I was already being denied for car financing and lease. So, in addition to the statutory damages, I will include punitive damages in my legal complaint if this matter fails to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: VA

Complaint narrative:
Started the process to refinance my mortgage in XXXX with XXXX. I was working with XXXX XXXX, loan advisor, to set up an appraisal. Appraisal was completed on XX/XX/XXXX and sent to a processor. We were notified on XX/XX/XXXX that the processor completed the review and we were now able to lock rates, that were now higher due to the time it took the processor to complete their tasks. On XX/XX/XXXX our file went to underwriting and were told that they had everything they needed. Throughout XXXX and XXXX I would ask for a status and was told they were almost done multiple times. I received a credit score information disclosure letter that another credit score was created on XXXX at XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX also pulled my credit report at the time we submitted the application. I was never informed that my credit would be pulled again and now my score is being impacted because of " too many inquiries last 12 months ''. I have asked multiple times why my score was pulled again with no answer. We started the refinance process in XXXX and are still waiting for it to be completed 6 months later.

Company response to consumer: Closed with explanation