vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
This account was set up to receive donations direct deposit for a fundraiser to raise money for XXXX treatments. On XX/XX/2020 at XXXX am this card received the first deposit of {$1200.00} was accepted by Bluebird by American Express into the account, at XXXX am the same morning I received an email from Bluebird saying that I had violated their member services agreement and the account was permanently suspended. There were no details of how I possibly violated the agreement. I called the customer service number and got an automated message saying that the account was permanently suspended and an email was sent with details and then the call hung up. I called from a phone not associated with the account and after several minutes of choosing options from their automated system, I chose to report a stolen card and was able to speak with a person. They refused to give any details and told me that I would need to have the issuing institution request a reversal to retrieve the funds that had been deposited. I did that and Bluebird denied the reversal. I called again today, XX/XX/2020 and told them that the reversal was denied and I needed to know what to do the retrieve the {$1200.00} that had been deposited to the account. They refused to return the funds. We have the entire call recorded and will be happy to provide it. These funds were donations from friends and family to help pay for XXXX treatments and medical costs. I feel that Bluebird by American Express has stolen these funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
In XXXX, I had a complaint against XXXX XXXX XXXX ; filed a complaint and had my problem resolved and I have a letter from XXXX  XXXX XXXX to forgive me of the HELOC XXXX along with a Identmification Lost Note Affidavit. Because my lender has changed three times and have not removed the second mortgage, they sold my loan to another lender company ( XXXX XXXX ) who did not enter me into their system correctly and are trying to collect the money that needs to be removed. Since then, my loan was sent to a collector, who sold my loan to a third party and is holding my home. While these deals are being made, I have submitted a claim with my lender before they filed chapter XXXX and sold my loan. To date, I need my 2nd mortgage removed and remain with my first mortgage and work with my new lender, XXXX XXXX. 

According to bankruptcy payment, I payed XXXX, which is to be applied to my first mortgage. Currently, as of XX/XX/XXXX, I am 6 payments behind. However, if they apply my XXXX towards my principle interest for my first mortgage, I will not be behind and my 2 nd mortgage will finally be removed. Because mortgage companies can sell your loan based on numbers, they do not realize that the individuals may have circumstances that can repair their account. Outside collection agencies, do not have the ability to see arrangements that were made and they take advantage of the accounts because of " greed. '' According to a XXXX XXXX Rep in XXXX, I was told that my loan was sold to a private investor which is why I was able to get this resolved by XXXX XXXX XXXX. Since then, I have discovered through an attorney that my name may be attached to other properties, so I have concerns that their may be some frauderalant activities involved ( please see attch ). I currently have a complaint with AG and working with attorney. Because I was involved with a claim which was involved with litigation, I need to have sale espunged because note was not legally transferred due to affidavit.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I already reached out to Experian and to XXXX XXXX  and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations 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 2020-02-06 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: IN

Complaint narrative:
I have an Dept of EdXXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of EdXXXX verified the late payments as accurate. I received a email from Dept of EdXXXX on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.

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 2020-02-06 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: IN

Complaint narrative:
I have an Dept of Ed/XXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of Ed/XXXX  verified the late payments as accurate. I received a email from Dept of Ed/XXXX  on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: IN

Complaint narrative:
I have an Dept of EdXXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of EdXXXX verified the late payments as accurate. I received a email from Dept of EdXXXX on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.

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 2020-02-06 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: AFNI INC.
State: FL

Complaint narrative:
Dear Collection Agency Rep. 

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. 

In Hinkle v. Midland Credit Management , IncXXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. 
Provide me with the following : A copy of the original contract you alleged I signed. 
An accounting of how payments were applied. 
The interest that was added along with any ancillary charges. Identify the original creditor. 
Prove the Statute of Limitations has not expired. 
Provide verification or copy of a judgement if there is one. 
Provide licensing information that allows you to collect in my state. 
Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. 
If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2018 i received a hard inquiry from Comenity Capital regarding a bankcard opened which i never applied for. Ive tried reaching out to the company however had trouble making my point across to them as I don't recall opening this account or applying for that matter. Which has caused a hard inquiry on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Peritus Portfolio Services II, LLC
State: VA

Complaint narrative:
I received a call from XXXX advising me my account was past due, and l told her no it is not, l told there there is an error, she told me l needed to contact XXXX, which l did on XX/XX/2020 who told me they will reach out to Peritus, in the meantime XXXX told me that they would have repossessed and l told here for what was she talking about that l am 100 % current on my loan and payments. I am asking your department to get ask for an update of what the discretion is as XXXX tols me it is not in arrears and that also they told me Peritus has not sent over payment l spoke to XXXX a supervsior at XXXX. I have email confirmations on all payments. There calls are recorded on XX/XX/2020 l submitted payment, then on XX/XX/2020 l called to see what the problem was that my payment had not gone through the bank XXXX said it did not go through, so l said it never went to my bank as my bank verified they never attempted to send the payment to my checking account and that is what prompted me to call them, gave them the checking account info again and then on XX/XX/2020 get called from XXXX telling l was 3 months in arrears and was getting ready to have my car repossessed and told her my account is up to date, she tried telling me that both dates in XXXX did not go through and l told her that she told me on XX/XX/2020 that there might have been one number out, there calls are recorded l welcome they pull the call, on XX/XX/2020 she never said my account was in arrears which it is NOT it is current and up to date and l told her that l have all email payment confirmations, I called XXXX and they told me it is not in arrears and that they will also call Peritus as Peritus has not been documenting in my account and XXXX said have not sent over payments as well. The right hand does not know what the left is doing, l am asking they fix this error that has occured with my account and there company. XXXX told me they have never reported, my discharge date to them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX I received a notification from XXXX XXXX that there were two new Hard Inquires on my credit. I logged in to XXXX XXXX and immediately realized that both of these inquiries were completed on XX/XX/XXXX and were fraudulent. I initially contacted the creditors who were XXXX, XXXX XXXX XXXX Comenity CapitolXXXX and advised these were fraud. They both advised these were credit card applications completed online and they were flagged in there system and no accounts were opened. I then proceeded to freeze my credit on all 3 credit bureau and file a police report. These inquiries were only showing on my XXXX   credit report. I sent multiple letters to XXXX  to remove these as they were fraudulent and attached the police report. I then had to call XXXX   and advise them to remove. They ended up finally removing on inquiry ( XXXX, XXXX XXXX  ). Over the next 9 months I sent mutiple letters and placed multiple calls to XXXX  and they would advise they would remove. They always sent the same investigation results that don't make any sense and they don't remove the Comenity Capitol/XXXX inquiry. I have included a rough timeline of events below. 

XXXX fraudulent hard inquiries XXXX-Both creditors contacted and advised fraud and credit locked on all 3 bureaus. 
XXXXPolice report filed XXXXCalled XXXX  and they advised they would remove these XXXXMailed a complaint and police report to XXXX  to remove as fraud -A couple more calls over the span of a few months XXXXMailed another complaint to remove the one inquiry that isn't removed -Called made to XXXX  where they advised they would remove this inquiry XXXXMailed another complaint to remove the one inquiry that isn't removed XXXXCalled XXXX to remove inquiry again and they advised they would As of today this fraudulent Inquiry is still on my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co
State: VA

Complaint narrative:
This info below includes Safco as well, here is the situation Safco ... ... .I received a call from XXXX advising me my account was past due, and l told her no it is not, l told there there is an error, she told me l needed to contact Safeco, which l did on XX/XX/2020 who told me they will reach out to XXXX XXXX in the meantime XXXX told me that they would have repossessed and l told here for what was she talking about that l am 100 % current on my loan and payments. I am asking your department to get ask for an update of what the discretion is as Safco tols me it is not in arrears and that also they told me XXXX has not sent over payment l spoke to XXXX a supervsior at Safco. I have email confirmations on all payments. There calls are recorded on XX/XX/2020 l submitted payment, then on XX/XX/2020 l called to see what the problem was that my payment had not gone through the bank XXXX said it did not go through, so l said it never went to my bank as my bank verified they never attempted to send the payment to my checking account and that is what prompted me to call them, gave them the checking account info again and then on XX/XX/2020 get called from XXXX telling l was 3 months in arrears and was getting ready to have my car repossessed and told her my account is up to date, she tried telling me that both dates in XXXX did not go through and l told her that she told me on XX/XX/2020 that there might have been one number out, there calls are recorded l welcome they pull the call, on XX/XX/2020 she never said my account was in arrears which it is NOT it is current and up to date and l told her that l have all email payment confirmations, I called Safco and they told me it is not in arrears and that they will also call XXXX as XXXX has not been documenting in my account and Safco said have not sent over payments as well. The right hand does not know what the left is doing, l am asking they fix this error that has occured with my account and there company. Safco told me they have never reported, my discharge date to them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06 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: LA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I purchased a Transunion membership. at that time I had access to my full credit report from all three bureaus. Upon going over it thoroughly realizing this is what my future holds thinking how can I improve my situation, I begin disputing a few errors I noticed and mistakenly submitted the wrong account I admitted to my error thinking the follow day I would be able to correct it by giving the bureaus and my bank a call.XX/XX/2019 I called all three bureaus only to hear Transunion tell me that particular account was no longer on my file. I immediately asked how was that when I submitted not even 12 hours prior to speaking to a representative to have it cancelled. XXXX  or XXXX would Not cancel the dispute per my continuous calling everyday begging to cancel the dispute.So the back and forth went on between me the bureaus and my back for approximately 2 months.Finally XXXX  started reporting back to my credit report.I have been an Authorized User on my dad 's account since XXXX with a credit limit of {$2300.00} this is very important to me as a holder by not reporting my all my accounts has caused me to continuously get denied credit, XXXX, XXXX for the last 4 months for an account that's reporting Excellent payment history and would help my score.I am asking to Please have my account reporting back to my credit report. I have attached supporting documents for my case.This is horrible feeling knowing you're paying a bill and not have it reporting to help my scores.

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 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
OnXX/XX/2018 i received a hard inquiry from Comenity Capital regarding a bankcard opened which i never applied for. Ive tried reaching out to the company however had trouble making my point across to them as I don't recall opening this account or applying for that matter. Which has caused a hard inquiry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My husband and I went to several car dealerships to request for a car loan, to get a used car. However, according to their credit requirements unfortunately my credit score was insufficient for the car loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIRVA WORLDWIDE INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I contacted SIRVA Mortgage to obtain a preapproval for my home search. I was told that my FICO  scores were considerably lower than I expected. I regularly monitor through XXXX XXXX. I know that XXXX  uses a different model than FICO, but a difference of nearly 100 points seems a bit excessive. Additionally, my husband 's scores were MORE than 100 points different - he just bought a car with a score over 760 and suddenly it is below 650? Not likely. 

Understandably concerned I logged on to my XXXX XXXX and checked my free FICO  score through them. The difference from XXXX  FICO from SIRVA and XXXX  FICO from XXXX XXXX was 50 points. What motivation would a Mortgage originator have to tell a customer a score that will cost them a much higher interest rate if not for their own profit when they sell the loan to a servicer? Aren't these manipulative schemes that cost the consumer more one of the many reasons Sarbanes Oxley Act of 2002 was enacted?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Today XX/XX/2020 I received in the mail from Express recovery services, INC that they got a Motion for disclosure order of judgment debtor 's employment information, when on XX/XX/2020 I told them that I have been unemployed scents XX/XX/XXXX. Not only did I not know of any judgments they never told me of any. I told them I was unemployed and I was starting a new job in a few weeks, they then proceed to ask me how am I paying my other bills. I do not know who that collections is for. The amount on the paper work I received to day stated that the original was {$140.00} with interest of {$17.00} and attorney 's fees of {$350.00} and court costs of {$100.00} for a grand total of {$610.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation