vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: AZ

Complaint narrative:
In 2018, I had received an 6 months interest free loan from Comenity Capital Bank for {$740.00}, which has been paid in full. Comenity assessed late fees on the account ( and compounding interest upon those ) and the cause of late payment was multiple rejected payments from their financial services department due to an unaccepted payment type. 

I made a {$240.00} payment on XX/XX/XXXX and a second payment of {$500.00} on XXXX. The second payment was rejected by Comenity Capital Bank due to a payment type of 'virtual card mailed ' not being an accepted form of payment. I had issued the payment first payment from my XXXX and the second from my FSA. At the time, I didn't know that the payment had been rejected, I just saw that the payment had been issued from my XXXX/FSA and Comenity 's customer service department had called me to tell me they hadn't received payment. So I coordinated with my XXXX distributor and issued payment again on XXXX, which was again rejected. After multiple phone calls between both the XXXX company and Comenity, I was able to get a number to Comenity 's financial services department and finally to understand that the payment type was the problem ( during all of the calls I placed to or received from Comenity never told me that this was the problem until I was able to speak with their financial services department ). I coordinated with the XXXX distributor and issued the payment again on XXXX. This time it was accepted. 

I continued to receive phone calls and had multiple discussions with collections at Comenity and explained the situation, but they refused to dismiss the late fees and associated compounding interest. On top of that, I've received thousands of dollars of loans from Comenity in the past and had paid each one on time, until this situation. 

Over a year later, I am now receiving calls and mail from a second debt collector, after having provided written dispute to the first debt collector that included payment dates, payment reference numbers, and the contact information to my XXXX company. Not only has my credit been affected but my family members have received collections calls and been harassed for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account Ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: PR

Complaint narrative:
The XXXX company of discover closed my account witouth my consent. I sent the advisor to the XXXX and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Numerous misrepresentations about the closing date of two mortgages and updates in the processing of mortgage. No visibility into the mortgage process and soft promises about closing dates that were false. 

Loan processor completely disorganized and has no clue and organization about what documents are expected. We are about to move the closing date thrice in the period of two weeks. 

Nothing Provided in writing. We had to follow up every day about the status of our loans. 
Citizens Bank XXXX XXXX is already under censure from the CFPB. 

This Bank 's loan and underwriting processes are completely disorganized and inefficient to the point of being negligent. 

We had to extend our contracts twice after they had been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, U S DEPT OF ED/XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 2020-07-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
trying to link PNC with my XXXX account the bank has blocked this. Its my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: NY

Complaint narrative:
On XX/XX/XXXX I purchased tickets for {$150.00} on XXXX through XXXX. The flight was for XX/XX/XXXX returning XX/XX/XXXX from New York to XXXX, NC. On XX/XX/XXXX I received notification from XXXX that my flights were cancelled and that new flights were offered on the same days but going to Georgia, then Carolina. I did not accept these flights and was issued a credit/voucher. When I discovered it was impossible to get someone from XXXX on the phone as they would not accept calls from anyone who did not have a flight within 48 hours I filed a dispute on the charge with Citibank as I made the purchase with their " Citi Simplicity '' card. I provided them with the emails showing my original flight that I booked, the changes and cancellations made by the airlines and the enforcement notice made by the Dept. of Transportation on XX/XX/XXXX stating that airlines are required to issue a refund for flights that are drastically changed or cancelled. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX After several months of back and forth with Citibank they are now telling me that the merchant, XXXX, will not return the  funds and that they are not going to absorb those costs. Citibank will have no issue going after me for the money and sending my account to collections if I do not pay but they have no interest in getting their money from XXXX when the government mandates clearly that the airlines are required to refund customers in such cases?

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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
This company put a collection on my account which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$300.00}.

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 2020-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: U.S. BANCORP
State: PA

Complaint narrative:
US BANK XX/XX/2019 Credit Inquiry unverified but still persist on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My complaint is with Trans Union not getting my credit report correct!!! Ive been trying for months!!! I filled bankruptcy in 2019 and was discharged XXXX  2019!! I keep 2 joint credit cards with my wife!! XXXX  XXXX XXXX and XXXX XXXX which Both are open and upto date, NEVER CLOSED!! Ive got those onXXXX but cant seem to get them Both on Trans Union. If you could help, Id greatly appreciate that THANK YOU

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 2020-07-31 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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have a loan with NORDSTROM/TD BANK USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NORDSTROM/TD BANK USA with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020. I mistakenly sent {$350.00} to XXXX XXXX XXXX through XXXX XXXX. As soon as I realized it was a mistake, I tried to reach XXXX XXXX XXXX but to no success. She blocked my phone. I tried to complain to XXXX XXXX  customer care but to no avail. 

I called my bank, Bank of America to let them know and to also find a way to stop the transaction from going through. 

The first person I spoke to told the that the transaction was still in progress. I pleaded that they should not allow the transaction to go through. I told the customer representative to block the transaction and send my money back. 

I did that in less that 24 hours. 

My bank told me that they will investigate the matter. After they did, Their conclusion was that person that received the money said that it was not a mistake. 

I am very much dissatisfied and disappointed at Bank of America for not protecting a customer interest when it matters most. 

My hard earned money is gone with the wind. The person that received the money did not render any services to me to deserve that amount of money I had hope in Bank of America as a financial institution but after this transpired, I am beginning to think of how to leave the bank for good to another bank that will protect my interest when it matters most and at all cost.

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 2020-07-31 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: Fairway Independent Mortgage Corporation
State: PA

Complaint narrative:
FAIRWAY INDE XX/XX/XXXX and FAIRWAY INDE XX/XX/XXXX. 
Credit Inquiry is unverified but still persist on my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Yamaha Motor Finance Corporation USA
State: NV

Complaint narrative:
I opened my account with XXXX nearly XXXX. Unbeknownst to me, my account was transferred to XXXX/Yamaha. I contacted XXXX multiple times in XXXX to make a payment, in which when I finally got through, they told me to contact XXXX/Yamaha because XXXX no longer held my account. I tried on many occasions to communicate with XXXX/Yamaha but was unable to get through. The message I got was that they had a high volume of calls and to try again later. No option to leave a message. I am not sure if this was due to closures as a result of COVID-19 or not. All I can advise is it was impossible to get through. This account is now current/paid standing, yet I lost over 100 points to my FICO score due to lack of communication and mismanagement of my account by XXXX/ Yamaha XXXX Due to this, the late payment history needs to be corrected with each credit bureau to restore the good standing I had on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This inquiry is unauthorized. I already sent a letter to Equifax, XXXX  and XXXX  multiple times but until now, this still is being reported. I never authorized this company to run my file.

Company response to consumer: Closed with explanation