vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. BAXXXXK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems has violated the Fair Credit Reporting Act and has reverted to extortion practices in an attempt to threaten me into making a payment. 


Manager XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: PA

Complaint narrative:
I was injured 5 years ago at work and am now XXXX and unable to work. I have worked very hard to settle my accounts since my credit was in good standing with all my creditors before my injury and I will be honest the collection agency 's lie because I asked all for payment for delete and all of them told me they could never do that which is untrue. I sent you a letter about Experian they are impossible, all my accounts I did pay in full ( PIF ) are Still not updated showing a balance which hurts my score, not to mention the ones I settled. XXXX  XXXX account ending in XXXX was sold to XXXX and I worked an agreement to settle this account for a paid in full update to my reports. I should have a XXXX balance and this is not the case I am showing a balance still and even told in a letter by XXXX XXXX that I can pay the rest anytime which is the exact opposite of my agreement because the account should be closed with a XXXX balance and updated SETTLED _PAID IN FULL which was our agreement just like the 12 other accounts I paid. Well that didn't happen as a matter of fact instead of a XXXX balance or no balance XXXX  XXXX just subtracted what I paid and put that on my credit report and then blamed YOU and your laws for them not being fair after I kept my part of the agreement. If I had known this I would have kept my XXXX dollars I mean what would be the point of paying the amount and not having it show settle paid in full ( with XXXX balance or doing a paid for delete? ( They told me a paid for delete was not allowed that is a lie there is no such law. I would like this looked into I feel I am being lied to and the agreement I entered is not being held up on there end.

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 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
I received an alert that I had a collection on my credit. I never received any type of letter saying I had a debt, it just popped up on my credit reports. When I looked at the debt and the original creditor there is no way it could be mine. It says the debt is from XXXX  and I never had an XXXX account and in 2017 when they stated the account was opened I was only XXXX and I live with my parents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX my car was repossed by a company named XXXX a company that works with my Loan holder PNC Bank. After calling PNC they said I never made my XX/XX/XXXX payment. I make my payments every month thru mycheckfree app. I told them I was unaware that payment did not go thru. This was the only payment in the 5 yrs of my auto loan that I missed, I told them I never received any phone calls or mail letting me know I still owed this payment. I immediately went to a bank branch and made all necessary payments to bring this loan back to good standing and get my car. When I called back and talked to PNC they told me they would not remove this from my credit report. I told them again this was not right and I was never notified by phone or mail. They were very unhelpful. I would like this taken off my credit report, because I was never notified and this could have been avoided. I feel a better effort could have been made on their end to collect a debt. After being a customer who paid there bills every month for 5 yrs I would expect better treatment and not to have my vehicle taken away like a person who made no payments for months. Side note since that XXXX payment that I missed I made my XXXX and XXXX payment which apparently meant nothing to them as far as maybe this other payment was missed in errror. Thanks PNC for the classy treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company offered a promotional zero percent apr balance transfer but never provided information on when the transfer would end. All other banks that I use have this information but they not only do not list it on statements, it is not accessible anywhere. From one month to the next and with zero warning, the APR jumped to 20 percent and I was also charged a late fee because my recurring payment did not cover the minimum payment. I was also not warned that the minimum payment would not be covered by the recurring auto pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31 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: FL

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2020-01-31 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:
Hello, i went to XXXX XXXX XXXX on XXXX to purchase a XXXX and they ended up running my credit 14 to 16 times with 5 different companies within a 15-day span without my permission. I gave them permission to run the credit one time with XXXX XXXX  XXXX  but they did not tell me that they will run it multiple times with multiple unrelated banks. I found out 2 weeks later that the credit was run multiple times with miscellaneous other banks. My credit score dropped 58 points because of this credit abuse. 

I reached out to the salesperson and she did not respond to any phone calls or emails. The supervisor XXXX called me and she said they can not remove the unauthorized inquiries. 

The manager of XXXX XXXX XXXX XXXX dealership reached out to me and I told him to remove all the unrelated and unauthorized inquiries. He ignored me multiple times. 

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 explanation
Consumer complaint received 2020-01-31 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: VA

Complaint narrative:
Since XX/XX/2019 our Realtor has been trying to get SN Servicing to consider a short sale. They have been extremely uncooperative and unwilling to come to any resolution. We currently owe more on the mortgage than the property is worth but I'm told that they still want a full payoff. This doesn't make any sense. The house is in deplorable condition and falling apart. My realtor even payed for a BPO and sent it to SN Servicing with no results. We desperately want to get this resolved. SN Servicing has not stated why " the investor '' ( their client ) is unwilling to consider a short sale. We have a ready, willing, and able buyer to purchase the property. We think SN Servicing just wants to foreclose because they're not giving any reasons for not cooperating. 

The following attachments are included : 1. Email correspondence between our realtor and the mortgage servicer 2. BPO ( Broker 's Price Opinion ) 3. Photos of the property

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have submitted multiple complaints with FTC and bureaus and talked to company directly to inform them that it looks like a fraud was used to obtain the accounts under my name ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: FL

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
ProCollect listed an account on my credit report on XXXX. I disputed the account since XX/XX/XXXX, they first reported was not paid it was accurate which was incorrect the debt been was paid since XX/XX/XXXX. I spoken to someone from ProCollect stated once its paid the will remove it. I sent evidence of the paid for deletion letter from ProCollect and it was updated just paid in full instead of deletion XX/XX/XXXX. There are conflicting information as what ProCollect is telling XXXX  to what they sent me. I would like the collection to be removed from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In late XX/XX/XXXX, I made an additional purchase of XXXX time share ownership. To facilitate this transaction my consumer credit was adequate enough to secure a Vacation Club Credit Account with Comenity Capital Bank. This was a promotional 6 month plan whereby all borrowed funds had to be repaid in full by a certain termination date to avoid paying accrued interest. That date was promoted by the bank as XX/XX/XXXX. 

The loan in total was a little over {$15000.00}. By mid XX/XX/XXXX I had repaid all but {$5000.00}, in five monthly payments. With the holidays, my secretary, who attends to all my financial matters, asked off for XXXX XXXX. When she returned to work Friday, XX/XX/XXXX, she wrote out a check to Comenity- Vacation Club Credit for the remaining balance in full, and mailed it that evening from a local post office. That post office assured me that the envelope would have been postmarked XX/XX/XXXX, or XX/XX/XXXX at the latest. Apparently, the envelope arrived at Comenity Capital Bank 's processing center after XX/XX/XXXX, and not processed until XX/XX/XXXX. We also have a national holiday, XXXX XXXX XXXX XXXX, in the mix. So because the check was processed XX/XX/XXXX the bank says I now owe all accrued interest of {$1200.00} plus a {$27.00} late fee equaling a total of {$1200.00}. 

I've read the bank 's vacation club credit account agreement forward and backwards, upside down and inside out. Nowhere can I find what definition constitutes a payment due date, just some arbitrary wording that, in the credit card industry, it is apparently understood that the processing of funds by the bank itself equates to the payment date. 
If I file a Federal tax return, with a check in the amount I owe the federal government, the date of the return is determined by the postmark on the envelope, not by the Internal Revenue Service processing date. If I mail the return days or weeks after XX/XX/XXXX, and don't ask for an extension, I can expect to pay penalties plus interest. 

However, if a check is written prior to the termination date and the envelope is postmarked prior to the termination date, I don't expect to pay accrued interest plus a late penalty to a bank. XXXX, the Comenity Capital Bank company representative did not agree, and therefore did not rescind the charges. If my local bank treated me that way I would withdraw all funds and find another local bank. But large anonymous institutions can get away with it, because they know the individual borrower has no leverage. I'm hoping you the Consumer Financial Protection Bureau, a branch of the U. S. federal  government, can level the playing field.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/2020 I realized I had not received nor paid a credit card invoice for the previous month. I contacted XXXX XXXX XXXX   which has the XXXX Mastercard I've had for 30 years. Explained that I had not received any invoice by mail as normal but that I had managed to go online and download the invoice and was sending payment that day. This has happened maybe 2 or 3 other times over the THIRTY YEARS I've had this account. They thanked me for calling in. The next day I went to get gas and my card was declined. So I came home and called XXXX XXXX XXXX again. This would be on XX/XX/2020. I was told that the card was automatically cut off because I had not paid the previous month 's bill. Needless to say that as a 30 year customer with a credit score of right at XXXX who has faithfully paid my balance in full month after month for 30 years, I was a bit unhappy. I instructed them to close the account immediately. The lady wanted to read me a long disclaimer. I declined and told her that I wasn't interested in their disclaimer. I simply wanted my account closed and hung up. 

Today I went online and noticed that XXXX XXXX XXXX was still allowing merchants with my card on file to run recurring charges through on my account. One or two had not been contacted by me. All the others had been and provided the new card information. 

So I called XXXX back and again instructed them to close the account today, XX/XX/2020. I first spoke to XXXX who provided me a reference number for my call of XXXX. When I asked why my account hadn't been closed before she put me on hold and a supervisor named XXXX came on the line. She said they would not close my account until I listened to their disclaimers. She said I was required to do so by law. I told her I seriously doubted the law required ME to listen to their disclaimers. If the law did require anything, it required them to deliver the disclaimers. XXXX then asked me if I had my credit card agreement. I don't normally keep them as they change them at will and it isn't like it is a negotiation, is it? It is totally one-sided to protect them. She said she would have one mailed to me. I asked it that contained the required disclaimer I was requesting in writing. She danced around the issue and would never answer whether it had the disclaimer or not. She said once I got the card agreement I could read it and call back in to have my account closed. I told her I would not do that. I had called twice to request the account be closed.

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 2020-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
I applied for a {$500.00} payday loan in XXXX and was approved. Since, I have paid {$150.00} every two weeks for my loan..which in reality, is paid off. The company ( Cash Aisle ) wants me to continue to pay PLUS in order to pay off my loan I must pay {$500.00} plus the {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation