vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. I've sent in letters addressing this and I have not received a response yet, I feel like I'm 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 30 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 stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital/XXXX, as well as, a collection agency by the name of XXXX XXXX XXXX XXXX XXXX. 

Comenity Capital has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name. 

The account ending in XXXX was paid in full several times, but Comenity Capital kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account. 

As my attached statement shows, I owed Comenity Capital {$62.00} as my total balance on the account in question as of XXXX of XXXX. 

I made payments to Comenity Capital in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. 

What Comenity Capital has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for. 

I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. 

For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them. 

I would like the Consumer Financial Protection Bureau fully involved in my complaint, both Comenity Capital, and XXXX XXXX XXXX can contact the Consumer Financial Protection Bureau, the Bureau can contact me. 

I want Comenity Capital Bank, and XXXX XXXX XXXX, to cease and desist from contacting me again, about their fraudulent debt. 

XXXX XXXX XXXX just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of Comenity Capital Bank without contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am an elderly person on a fixed income of {$970.00} a month and because of the handling of my checking account after 4 years and no problems, this bank has made me homeless where I must sleep in the streets because of their new risk/ fraud department headed by a ghost named XXXX . On XX/XX/XXXX, they let XXXX water take {$120.00} XXXX from account for a home I have not lived at since XXXX. I disputed with bank because water company closed to the public and I never gave them the card number, bank said Visa gave out number They said they would give me new card and it would never happen again. But it did on XX/XX/XXXX they paid XXXX water {$32.00}, again on XX/XX/XXXX {$23.00}. Then on XX/XX/XXXX I went into a XXXX store to have them fix phone. They lied and said I needed a 5 g phone at {$70.00}, but presented me with a bill for {$230.00}. 
So I declined and left store empty handed. On all these charges I received XXXX services. Contacted bank immediately to tell them of these unauthorized withdrawals as being on a fixed income made my account negative for the bank not safeguarding my money. So instead of rectifying and representing their customer, they charged me {$500.00} in insuffient funds charges so they have stolen over {$900.00} out of account of fixed income of {$970.00}. Went to bank to straighten out and afincial advisor named XXXX XXXX told that I was old and had no money and BBVA was tired of broke elderly people and to close account as I would never receive a XXXX back from the bank and I deserve to be homeless So they stole the money and they are proud of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent a letter to Capital One explaining that someone used my personal information to apply for credit and requested the unauthorized hard inquiry to be removed. 

Instead, Capital One sent a generic letter claiming that it was a result of a promotional inquiry though I explicitly said it was a hard inquiry I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
On XXXX XXXX, requested documents from Fay servicing. Documents requested was copies of all modification XXXX, XXXX, XXXX, XXXX from XXXX XXXX attorney, and XXXX from XXXX XXXX attorney pertaining to XXXX XXXX XXXX XXXX Tennessee XXXX. Copies of all reaffirmation sign by the bankruptcy court XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
I sent a letter to XXXX XXXX explaining that someone used my personal information to apply for credit and requested the unauthorized hard inquiry to be removed. 

Instead, XXXX XXXX sent a generic letter claiming that it was a result of a promotional inquiry though I explicitly said it was a hard inquiry I did not authorize.

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 2020-09-29 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX/XXXX, as well as, a collection agency by the name of Midland Credit Management , Inc . 

XXXX XXXX has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name. 

The account ending in XXXX was paid in full several times, but XXXX XXXX kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account. 

As my attached statement shows, I owed XXXX XXXX {$62.00} as my total balance on the account in question as of XXXX of XXXX. 

I made payments to XXXX XXXX in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. 

What XXXX XXXX has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for. 

I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. 

For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them. 

I would like the Consumer Financial Protection Bureau fully involved in my complaint, both XXXX XXXX, and Midland Credit Management can contact the Consumer Financial Protection Bureau, the Bureau can contact me. 

I want XXXX XXXX XXXX, and Midland Credit Management, to cease and desist from contacting me again, about their fraudulent debt. 

Midland Credit Management just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of XXXX XXXX XXXX  without contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I had got my unemployment sent to chime an not three days later they closed my bank account an refused to give my money back that I had in the account ... say I was not eligible for a refund check

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
This company has charge an exorbitant amount of fees double and triple the amount of interest on top of the loan also during the pandemic they had notify the credit bureau that my account was late and this account shouldve been protected by the pandemic they have reported late payments on my credit bill that needs to be fixed accordingly to a circumstance not controlled by me also those fees thats on top of the long thats double and triple need to be adjusted in go to the appropriate amount they are robbing me as a customer

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 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-29 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: Total Card, Inc.
State: IL

Complaint narrative:
I made a payment on my Total Visa Card on Friday XX/XX/2020 at XXXX XXXX  with my debit card. Total Visa failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because Total Visa failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at Total Visa by the name of XXXX agent ID XXXX. She pretty much said Total Visa terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. Total Visa Card reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my XXXX  XXXX XXXX score decreased due to Total Visa reporting inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was rebuilt for two to fraudulent transactions one in the amount of {$380.00} and the other one in the amount of {$150.00} and these two transactions a Fraud a Capital One/Walmart have failed to dispute these two transactions they holding me responsible for some fraudulent transactions and I need this to be rectified after I have tried to to no avail resolve this with capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
I had several items to dispute on my credit report with supporting documentation. I started the dispute online and was only able to upload 3 items. Once I logged back in to upload the rest of my supporting documentation, I was locked out of the dispute center. I called in to customer service and was advised that I would now need to mail in the items. I proceeded to mail in the items USPS express mail and paid {$25.00} for this service. I was told the information would be reviewed within 5 days of receipt. When I called back in to check on the status. The package was delivered on XX/XX/XXXX, but I was told that I would have to wait until XX/XX/XXXX for a status on the disputes. On XX/XX/XXXX, I received a response to the disputes in the mail, but it was in XXXX. I will attach this letter for review.

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 2020-09-29 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX XXXX  with my debit card. XXXX XXXX failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX agent ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. XXXX XXXX XXXX reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my XXXX  XXXX XXXX score decreased due to XXXX XXXX reporting inaccuracies.

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 2020-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX XXXX with my debit card. XXXX XXXX failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX agent ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. XXXX XXXX XXXX reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my Experian XXXX XXXX score decreased due to XXXX XXXX reporting inaccuracies.

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 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I was taken to the hospital I was employed at, we have insurance thru this same hospital, all insurance claims were to be sent to our hospitals insurance carrier i never received a invoice for anything then all of sudden when checking out my credit report this doctors group had sent it to collections, now it appears on my credit report twice as the first collection company sold it to another, this is not right, I paid my copay for the services rendered and if you look up the history of this doctors group they do this all the time, several complaints have been filed against this group, which basically all they are a traveling doctors to fill in when hospitals have shortage of medical staff.

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 2020-09-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX  and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called chase to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then XXXX   dollars.

Company response to consumer: Closed with explanation