vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX XXXX, XXXX : a credit report was being pulled on the consumer, which notified the consumer of significant drop in their credit due to a 'late-payment ' on a credit card through Commenity Bank XXXX XXXX XXXX. 
XXXX XXXX, XXXX : XXXX XXXX was called, and consumer was directed to Commenity Bank XXXX XXXX, XXXX : Commenity Bank was called on the phone several times in an attempt to speak to someone who might help, but no progress was made. Consumer was directed to file a dispute, which would only continue to show up on the consumer 's credit report having a negative impact. The consumer believes they should not be punished for an issue they were unaware of. 

Details of the issue : Comenity Bank filed a payment as over 30-days past due to credit reporting agencies, after absolutely zero attempts were made to contact the credit card holder. The credit card holder has made nothing but on-time payments to this agency, and in fact, autopayments were applied to this account to ensure no payments were made late. This credit card was actually paid off in full in the fall of 2020, bringing the account balance to {$0.00}, but when the consumer made a purchase at the end of 2020 his autopayments were not resumed for some reason, therefore leading to this late-payment. Again, to be clear, absolutely no attempt was made to contact the credit card holder about the delinquent payment, leaving the consumer completely unaware of this issue since the consumer believed autopayments were being withdrawn from their bank account ( as this was the preferred setting on this account ). This consumer WAS in midst of making a home purchase, and this negative issue has completely halted this process for said consumer and their family due to the negative impact made to their credit report over a {$75.00} charge. This consumer asks Commenity Bank to please kindly consider removing this negative report made to their credit, as the consumer was never contacted by email, phone, or mail to made aware the issue even existed until the credit report was pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Around XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : XXXX XXXX XXXX {$100.00} Indigo - XXXX Bank {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XX/XX/2020 I requested my gym account be closed as gym was closed due to Covid. Gym agreed to cancel my account and continued to bill my account against there word and my revoked authorization causing multiple overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/ Original creditor : XXXX CHARTER COMMUNICATIONS Amount : {$780.00} This unknown debt was applied to my Experian and XXXX XXXX XXXX without my knowledge. I don't know this creditor and Both Credit Bureaus. I have never done business with this company. I Have requested to remove this account from my consumer report yet it has not been corrected.

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 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I entered into a contract with XXXX XXXX XXXX to which a loan contract was agreed to in which they would pay that loan in exchange to use my home as a XXXX XXXX. 
The loan was to be paid by a check paid by XXXX giving me a check for {$1500.00} to pay the {$120.00} into XXXX months and was to be paid XXXX yrs or 60 months which XXXX assured to be paid off. 
I never aware of any loan by Aqua Finance or signed a contract with Aqua Finance. I never consented to an account with XXXX XXXX XXXX. XXXX has closed its office here in XXXX XXXX after moving around to different offices, making it hard to track them down. 
They have XXXX complaints against them with the XXXX and a ( F ) ratingXXXX has vanished. And no longer responding to Emails. All phone numbers are disconnected and are no longer issueing the {$1500.00} checks. I upheld my end of the Bargain and Contract with XXXX and never signed any Loan Agreement with Aqua Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I checked my credit report and saw a collections account from Portfolio Recovery Associates LLC. I did not recognize the debt and sent a letter to verify the debt on XXXX XXXX, XXXX, and I did not receive a reply. I again sent a debt verification letter on XXXX XXXX, XXXX. I received a reply on XXXX XXXX, XXXX, see attached. that did not contain any verifiable details of the debt. I went to the Portfolio Recovery website and pulled up an account in my name that has no information other than a dollar amount, see attached. 

I would like this debt removed from my credit report since it has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had filed an unemployment claim. Someone had rerouted my XXXX Bank of America Prepaid Card to their address and spent the funds on the card. I was informed of this by Bank of America when I called them requesting info on why I have not received my card. Bank of America immediately reimbursed me the funds. 
Approx. a month later Bank of America closed my account and put my account in the negative stating I was responsible for the money stolen. I filed a claim with Bank of America, In the meantime, the funds XXXX deposited into that account were kept by Bank of America in the amount of {$8100.00}. Bank of America will not reimburse me those funds as they applied it to the negative balance they state I owed them. I reopened the claim, Bank of America requested a copy of my ID via fax, which I sent them. They needed to compare my ID to the picture of the man who stole my original card. They have a picture of the man and my Id and have determined that it was not me who spent the original funds, yet they refuse to reimburse me the {$8100.00} that they owe me. 
I call them daily and they keep telling me to wait that it is not in their hands that it is the fraud department. I called the fraud department and they tell me claims are handling it. I speak with claims and they have just been giving me the runaround. Putting me on hold for an hour to speak with a supervisor then disconnecting the call. I call back only to be put on hold another hour and disconnected. This needs to be resolved.

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 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
International wire transfer was made on XX/XX/2021 in the amount of XXXX USD. All the information required for the transfer was correct except for the account number. Mistake in the account number was recognized and a message was sent from the initiating foreign bank talking about the error with the correct account number on XX/XX/2021. On XX/XX/2021, another message was sent from the initiating bank that asked about the whereabout of the money. Finally on XX/XX/2021, another message was initiated asking to return the funds. None of the messages have been replied and calling PNC, the only thing they tell me is that they can't look into incoming wires and I will just have to wait. I would like to know where the money is currently, and the reasons for why it didn't come to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2021-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
For over ten years XXXX XXXX and XXXX XXXX of XXXX XXXX , XXXX have illegally tried to foreclose on my home. 

How it works. Select Portfolio Services , Inc ( SPS, Inc a mortgage servicers ) claims to work on behalf of XXXX XXXX. ( the alleged owner of my loan ) SPS, Inc then hires XXXX and XXXX as the foreclosing attorneys on behalf of XXXX XXXX. XXXX and XXXX then claim to work on behalf of XXXX. XXXX. in order to act as if they are running legal public notices and perfecting the steps to perform a non-judicial foreclosure. 

The only problem is that XXXX XXXX. DOES NOT OWN MY LOAN. XXXX XXXX. has written letters and have verified verbally over the phone on several occasions that XXXX XXXX. does not have an interest in the loan or home. I have even contacted XXXX XXXX. certificate holder for the alleged loan ( XXXX XXXX  ) and they also have verified that they do not house or furnish any certificates on behalf XXXX XXXX. for my home or loan. I have documents and emails to prove my stance. 

The main problems are XXXX and XXXX perform illegal foreclosure every month. XXXX and XXXX have been asked to Validate the Debt as a XXXX party debt collector. When they can not legally validate the debt or the relationship between myself and XXXX XXXX. they still attempt to foreclose. XXXX and XXXX also go as far as submitting themselves into state, federal and bankruptcies proceedings claiming to represent XXXX XXXX, in which XXXX XXXX. has no knowledge of. 

They are regularly performing fraud before the courts, act as imposters before the courts and are clouding titles knowing they do not have a right to foreclose upon. The State of Georgia should not allow these individuals to practice law or have a business entity registered in the state of Georgia. I am reaching out to you because I have filed complaints with the Georgia Bar and the FTC but no one seems to care that legally barred professionals are performing illegal foreclosure knowingly. The Supreme Court of Georgia made it clear that only a Secured Creditor can foreclose in that state of Georgia. You vs. XXXX XXXX It seems to be clear that XXXX and XXXX do not respect their oaths, state law, federal law or state supreme court rulings. They STEAL PEOPLES HOMES and just get away with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Numerous ( 10 ) fraudulent charges were made to our card to merchant " XXXX '' in XXXX XXXX. We immediately contacted CitCard to report these as fraud. After an unreasonable amount of follow-up phone calls, persistence and unnecessary XXXX due to their lack of response, they finally credited our account for the fraudulent transactions. Now, several months later, they have reversed one of the credits stating that the merchant has disputed it. This is DESPITE my statement with documentation to the contrary submitted at their request on XX/XX/XXXX ( and confirmed received ). ( Their request for additional information was received by us on XX/XX/XXXX with a due date of XX/XX/XXXX. ) I spoke to yet another Citi XXXX today, XXXX, who said he is sending this transaction dated XX/XX/XXXX back for review AGAIN, can give NO timeline about how long that will take and stated if I don't pay it in the meantime that I will be charged finance charges and late fees. I can not bear the thought of having to follow up again like I did the first time ( probably a dozen phone calls and months of attempting to get someone to fix this ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 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: FL

Complaint narrative:
Ive have contacted the Equifax for about 2 years now letting them know that there are accounts, addresss and names that do not belong to me that they are reporting. 

XXXX, XXXX XXXX and also these hard inquiries : 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 2021-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received a voice message which read that my student loan had been restructured and that I have to call back at a number they gave me to discuss the terms of the restructuring. The number they left was XXXX. When I called the number, the person named XXXX answered. He said that he was working for the department of education, informed me that there was a class action suit against Navient ( my loan servicer ) and that my loan qualified for forgiveness. 

The person had knowledge of my student loan, the total amount I owe, the structure of my loan ( that it is six small loans ) the phone number and email associated with the loan. He sent me a six digit code in my email ( which he had ) and asked me to repeat it to him. The he asked for my birthday only. He asked me if I make over Under {$1000.00} a month. I told him that I do not have a set job and I make {$2500.00} a month but not every month the same amount. sometimes less. 
Then he offered to me the restructuring plan : According to the I has to pay {$240.00} per month for four months, then $ XXXXmonth for the next 36 months. after than the loan will be paid. I asked him to end me the terms he is offering to me in writing and I will call him back. 
Then I received an email which contained a n snap shot of my total loan. The email was sent from : XXXX XXXX, XXXX XXXX, tel : ( XXXX ) XXXX, fax ( XXXX. 
e-mail : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
web site : XXXX 

I believe that this is a scam. But I am very concerned that he had all this information about me.! 

Later I received emails and text messages saying that somebody changed my FAS ID password. I called Navient whose representative informed me that I have to filed a scam complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Our lease on our GMC XXXX completed in XX/XX/XXXX. We received our final bill that included the excess miles which we agreed were correct in XX/XX/XXXX. We immediately sent a check for the full amount and it was cashed, see attached. I also sent back the bill along with the check ( but did not keep a copy for myself since this was the 1st time we have ever gone over miles I never in my life would have thought such a issue could arise ) Every single month there after they called us and sent bills. Each bill was returned with a copy of the cashed check as proof it was paid.

Every phone call they made to us ( and it was a lot ) we spoke to someone who could not speak English well enough to understand that we sent the check already and it had been cashed. No one could understand this. After several months of this going on ( literally 15-20 calls a month! ) I demanded I speak with a manger. They put on the line a man who spoke English very well and he apologized for the error. He looked into our account and said that it was in fact paid and he isn't sure how this went so long without anyone fixing it. From that point forward we have never got another letter or bill so I assumed it was fixed. 

Fast forward to XX/XX/XXXX, I applied for a credit card and was declined due to GMC putting a very late over 120 days payment on my credit. I believe it to be on my husbands credit as well. I have tried to reach someone at GMC financial to get this removed and have been unable to get anyone who can help me. 

They are falsely reporting we did not pay. We paid the invoice as soon as it arrived and now I'm not able to get a credit card for my small business. This is very upsetting and cost me hours and hours of time to get it straight. A bank person recently suggested I reach out here. I am so hopeful you can help get this fixed and remove the damage that has been done to our credit incorrectly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX has reported a deference plan that has strongly impacted my credit scored. I understand that by the Cares Act during the pandemic, companies should not say this type of issue, so the credit score did not impact during this particular period where all companies and families have been negatively impacted. 
I contacted XXXX XXXX XXXX  and they explain that they did report that Im participating in the forbearance plan, but it a late payment. Im making this claim to the Credit Bureaus because this is not supposed to impeach my credit score.

This negative impact on my credit score has also impacted my application for an auto lease bank application, as the credit scores have decreased by almost 50 points.

Please help me solve this.

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation