vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 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: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as ofXX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had an account with XXXX XXXX but closed the account and XXXX XXXX sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named XXXX XXXX XXXX.but the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: CA

Complaint narrative:
This complaint relates to my complaint # XXXX. 

As of today, XX/XX/2018, Bank of the West still has not returned my personal check to me. To recap, Bank of the West refused to cash a check I deposited in the ATM that was made out to my minor child and properly endorsed by me her parent. Then, Bank of the West lost the check. 

They claimed to have mailed a " legal tender '' check to me - whatever that means. Allegedly, a copy of my check. But I have not received it. They claim to have sent this " legal tender '' check to me on XX/XX/2018, but here it is XX/XX/2018 and I still have not received it. 

I don't believe they have mailed the check. I think they are so incompetent that they don't know where my check is. 

This is a check drawn on XXXX XXXX XXXX XXXX and made out to my minor child. 

They are hands down the worst bank I've ever dealt with.

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 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
My vehicle was repossessed on XX/XX/2018. The loan was due for XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$300.00} payment. I did not receive a letter of acceleration nor did I receive a notice of intent after the vehicle was repossessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. XXXX XXXX XXXX have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have contacted CONNS over 10 times for this matter and spoke with XXXX ( Employee # XXXX ) and have even spoke with XXXX ( Employee # XXXX ) on XX/XX/2018 and XXXX XXXX on XX/XX/2018 at the corporate office that said they would take care of this account # XXXX before.I want to speak to someone within the next 48 hours because this is too XXXX after knowing that I have paid for this account in full. This has stopped me from getting my very first new home with my XXXX child. I have given my now landlord notice to vacate to move out. We will be homeless in less then 15 days. How does it feel to get an approval as a single mother trying to make my XXXX daughter happy and to give her her own room to being denied because of an account that has already been taking care of. Not only that it is paid but it is now showing on your credit report multiple times inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: TX

Complaint narrative:
I had an account with XXXX XXXX but closed the account and XXXX XXXX   sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named The XXXX XXXXbut the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.

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 2018-10-03 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: TX

Complaint narrative:
I had an account with XXXX XXXX but closed the account and XXXX XXXX   sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named The XXXX XXXX.but the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.

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 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
An unauthorized change to my bank account was made allowing money transfers from my checking account using XXXX. I called the Bank in real time ( within minutes ) and asked that the account be locked down because the charges were fraudulent, and there was an apparent hack into my Banking account, probably through the Banking App. The perp set the electronic wire transfer allowed to a yes status. I have never used a transfer service and was unsure what XXXX even was at the time. 
The Bank knew this was a hack and did not lock that paticular account down allowing a 4th XXXX Transfer to appear a couple days later. All my accounts were changed but my money was allowed to remain in the deactivated account to be paid out. Now I have to file a fraud report and wait for my money to be returned. All of this could have been stopped if the Bank had taken immediate action when I called and reported. 

My local banks staff was very helpful, but the Larger Bank knowing there had been an account breach failed in their fiduciary responsibility to protect the consumer and allowed the theft to happen. 

I have spent 2 work days cleaning up this mess, and am upset at the lack of action following my initial 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 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My concern is why there is a discrepancy in the information that these companies use to create you FICO score. Ex. XXXX XXXX with XXXX is 6 yr. 1 mo-Trans 4 yr. 3 mo. 
Credit Card use XXXX is 5 % -Trans is 7 %. Hard Inquiries XXXX  is 1-Trans 3. Total accounts XXXX is 33-Trans is 27. Shouldn't this information be the same? There is quite a gap in the FICO scores as well. XXXX  is XXXX and Trans is XXXX. 

I hope you can help me with this. 

Thank you, 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 2018-10-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
upon looking at my Equifax credit file, I learned that an account which was deleted off has reappeared. When equifax update my report, by correcting my name, they added the collection account from XXXX back on. This account was deleted by the company. Secondly I never received any notification that this account was being put back on. I quite sure this is just an error on their behalf but I would like this to be rectified immediately. Also I have proof of the deletion that I will attach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 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 canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2018, a hard credit inquiry appeared on my XXXX XXXX account. The inquiry was noted to be through a subdivision of XXXX XXXX ( XXXX ). Some investigating revealed that this is PayPal through XXXX XXXX. 

I contacted XXXX XXXX and I was advised that there is no record of anything ( not even an application ). I was advised to contact XXXX  to dispute this. 

I contacted XXXX  and confirmed that there was indeed a hard inquiry on the date in question. XXXX  stated that they needed the date that the application was completed with XXXX XXXX  as well as permission from XXXX XXXX to remove the dispute. I contacted XXXX XXXX and was advised that there was no application but a supervisor would send a letter to XXXX  stating that there is no application and no obvious reason that there should be a hard inquiry on my record. 

This was the first week of XXXX and there has yet to be any resolution. I am reaching out to you to see if there is any way you could assist me with this matter. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XX/XX/XXXX Dear Sir/Madam, I am writing today to complain of the poor service I received from my mortgage loan servicer Ocwen Loan Servicing, LLC for the past six years. It has been brought to my attention that I have been paying an interest rate of 11 % from XX/XX/XXXX-XX/XX/XXXX. I am writing to you because I am at my wits end with my lender. I applied for a modification in XX/XX/XXXX and was granted. 

Unfortunately, since XX/XX/XXXXI have been going through a financial hardship. My household has lost income from XX/XX/XXXX-XX/XX/XXXX. I am XXXX XXXX, I have been a XXXX XXXX for the past twenty years. I have been re-establishing my business for the past two years. During this time my husband was laid off from his job after working 26 years and I was out of business for two years Recently, I was denied a loan modification. My income has drastically changed for the better. I can now afford my mortgage payment with the help of a modification. 

I am most annoyed with how I have been treated. I personally feel I am a victim of a predatory loan. I appreciate any assistance you can provide in resolving this issue. 

Please feel free to contact me regarding this issue at XXXX Thank you for your time. 
Sincerely, 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 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reported wrong address twice but it hasn't changed I live at XXXX XXXX XXXX XXXX XXXX do XXXX for 20 years not at XXXX XXXX XXXX XXXX XXXX do XXXX my husband and his mistress are at that address

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 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, I was served a summons to appear in court on XX/XX/XXXX ( a court date that was more than 2 months prior to being served ) as I was being sued by Cavalry SPV I , LLC. I was  going through a divorce at the time, not knowing my rights as a consumer, & not wanting my pay checks to get garnished, I made payment arrangements on their website to begin paying off the debt. After my divorce was final, I began trying to clear up my credit. I realized that this debt was originally from XXXX & I had already paid them for it. However, I didn't realize at the time it was the one who received a judgement through the courts. I tried to dispute this debt & when they came back with the full copy of the judgement, I sent a check along with a letter agreeing to delete the derogatory amount from my credit report with the 3 credit bureaus. As you will see from the documents I am enclosing, I made the check payable for the FULL amount allegedly owed. Per their account statement to me, I allegedly owe {$2500.00} after previously submitting five payments of {$180.00} & one payment of {$180.00}. I wrote the letter & check on XX/XX/XXXX & sent it certified mail, which they received & signed for on XX/XX/XXXX.They have yet to cash it or contact me, all the while continuing to report over {$3200.00} ( see attached photo document ) on my credit report, with the amount rising each month. This is the only collection on my report & it is keeping me from buying a house. 
I am not sure what the hold up is, but I believe they are just holding on to it to keep reporting the derogatory amount. Just as they failed to give me notice to be in court, this company has shown complete lack of integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI

Complaint narrative:
" XXXX XXXX XXXX '' at XXXX has contacted my wife as well as my former roommate regarding a debt matter originating from XXXX XXXX XXXX. One " XXXX XXXX '' given as the caller, automated call. I called back and received a voicemail repeatedly with an unconfigured box. When I finally spoke to a person, " XXXX '' or " XXXX '' she explained that this was a debt from Ace and they were seeking resolution. I confirmed they had my new address and correct phone number, and was informed that the case was being filed in XXXX County, OH ( where I used to live ). She asked several times if I was seeking to resolve the issue, but that they were not debt collectors, merely legal processors for Ace  's claim. I stated that all I was trying to do with this call was to get them to stop calling people who are not me about this matter, and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
The XXXX XXXX- Law Firm has made several calls to my personal phone asking e to pay a debt that is no longer valid under the FDCPA statue of limitations for the State of Utah . 
Account # on their behalf is XXXX. 

This is for XXXX XXXXXXXX XXXX from XX/XX/XXXX/XX/XX/XXXX. 

I have advised them that I was in communication with counsel on this as was worried that they may be in breach of the FDCPA. 
I received another call today. 

How can I relay to them to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Earlier this year I was added as an authorized user on my familys Citibank Credit card and the report still hasn't shown up on the XXXX  report after nearly 8months

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 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the following addresses ( see below ) with Equifax ( see attached letter ) and their response as of XX/XX/XXXX explicitly articulated that all of the addresses had indeed been deleted. I retrieved my most recent credit report on XX/XX/18 and all addresses are still reflected. Equifax did not delete the addresses as they stated in writing. Therefore, I am demanding that these addresses be deleted : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Once Equifax has deleted the aforementioned addresses, I would like a full updated copy of my credit report mailed to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: GA

Complaint narrative:
Upon looking at my Transunion, XXXX, and XXXX  credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and XXXX XXXX XXXX in regards to this collection account. I have no signed contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.

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