vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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: MA

Complaint narrative:
CFPB, This is my fourth dispute over the past couple of months I have file in regards to XXXX, TransUnion and XXXX  violations and none compliance of the Fair Credit Reporting Act. XXXX, TransUnion and XXXX  continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. XXXX  continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to XXXX  most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX XXXX form showing my name, home address and SSN to XXXX. 

CFPB, XXXX  in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to XXXX, TransUnion and XXXX  through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with XXXX and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. XXXX  knows my identity this is willful stall tactic to not delete this inaccurate information from 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 2021-02-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
CFPB, This is my fourth dispute over the past couple of months I have file in regards to XXXX, XXXX  and Experian violations and none compliance of the Fair Credit Reporting Act. XXXX, XXXX  and Experian continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. XXXX  continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to XXXX  most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX W2 form showing my name, home address and SSN to XXXX. 

CFPB, XXXX  in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to XXXX, XXXX  and Experian through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with XXXX  and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. XXXX  knows my identity this is willful stall tactic to not delete this inaccurate information from 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 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for a Comenity Bank issued credit card, XXXX Visa while purchasing makeup at XXXX on XX/XX/2020. This company is listed on my credit report as XXXX XXXX Due to Covid-19 hitting in early XXXX, the mail was slightly behind and I did not receive my actual credit card and first bill until XXXX XXXX, 2020. I paid the bill immediately upon receipt on XX/XX/XXXX. The first bill said that it was due on XX/XX/XXXX. A late fee of {$29.00} was assigned to the account on XX/XX/XXXX, which was 27 days after the card was issued. I called in to dispute the late fee. The company representative assured me it would be removed and would not be a problem on my credit report. However, I later noticed that the late fee was not removed and I decided to close my account and did so. When I called in to make my final payment, the representative convinced me to keep the card open, acknowledged their mistake, and assured me that the late fee would be removed and it would not go on my credit report. This time, the late fee was removed and I thought all was well until I recently obtained a copy of my credit report and saw that Comenity Bank had listed my account as 30 days past due for XXXX of 2020. This bank promised me on multiple occasions that since my mail was late due to Covid-19 that this would not go on my credit report. They have already acknowledged this by removing the late fee. This is simply a mistake that needs correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I sent a certified letter back in XX/XX/XXXX requesting for information about this debt that they said they I owe never got a response back but someone indeed receive the letter. I called today to try to work something out however got the phone imaging up in my face five times before finally speaking to someone and the woman that I spoke to was very rude and unprofessional and she was not willing to work with me or understand my situation. I explained to her I am currently unemployed. I lost everything back in XXXX and now Im trying to get everything in order for myself and now due to COVID 19 its a lot harder for me to do those things. I am currently not working and its hard enough as is to try to get things together for myself and children. The amounts she gave me to pay was high and when I asked to speak to a supervisor or manager she refused me and told me those were my only options.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX I had a dispute with XXXX XXXX over a loan that was already paid off. The loan was charged off and XXXX XXXX received the payment. No report was listed on my credit after XX/XX/XXXX until it appeared again on XX/XX/XXXX. I contacted XXXX XXXX and they said they did not have information on the loan ; that I would have to deal with Equifax. There was no information on my credit file after the property was sold and while XXXX XXXX said they charged it off, they were paid for the loan in XXXX. Equifax and XXXX  reported the XXXX  balance until Equifax on the XXXX of XXXX started showing the account again. When I tried to contact them they did not respond. XXXX XXXX said I had to deal with Equifax but it is like they are playing ping pong with me and again working to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Payment due on XXXX. Called XXXX to pay. XXXX was a Saturday, XXXX a sunday, XXXX a bank holiday. 

Want late fee waived or will sue simply on principle. 

For a company whose stock price doubled during covid I find it disgusting they won't wave a late fee when it's called in on the FIRST available business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
On XX/XX/15 I tried to make a payment to my credit card. The company is Continental Credit Card/XXXX. I initially tried to use the mobile app and was told I was unable to make a payment. I then tried to make it through the website and I received the same message. I have been making a XXXX payment every month but I started getting charges which has made my balance increase significantly. I am doing the best I can due to the my current situation that was caused by Covid. I feel this company is taking advantage of my current situation and now will not allow me to make a payment which will also allow them to charge me late fees and other fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've Sent 2 609 Letters To XXXX Disputing Collection Accounts With XXXX XXXX XXXX. I Don't Know Who These Companies Are And I've Never Done Business With Them Or Signed Into Any Agreement With Them. I Advised Equifax That According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify. I've Demanded To See Verifiable Proof Back And Still Have Not Seen Any Or Gotten Any In The Mail. I Spoke With XXXX With Equifax Who Was Rude And Not Very Helpful. XXXX Also Put A Block On My File So When I Call In I Can not Get Assistance, Forcing Me To Only Deal With Equifax By Mail. XXXX From Equifax Who Was Clearly From A Foreign Country Out Of The US Had Me On Hold For Almost 2 Hours And Then Disconnected The Call When I Asked To Speak To A Supervisor. I Would Like These Collections Accounts To Be Deleted Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I made XXXX payment XXXX XXXX, 2020 and they closed my account on XXXX XXXX when all banks are closed? Of course they closed because I paid of the part of the balance that would allowed them to charge intrest. I have made my payments as promised and haven't not defaulted on any credit card. Closing my account like they did negatively effects my credit score. Synchrony Bank has history of pulling this XXXX! They randomly make decision that negatively effect your credit no matter what your payment history is with them. They need to be shut down!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am a consumer and I have not received a official response regarding remedy for the matter. I have sent 3 letters to these companies as well. 

The effective date of expiration for the consumers right to rescind the consumer credit transaction thereby midnight on XX/XX/2020. Pursuant to the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635 ( a ), the consumer, XXXX XXXX, hereby rescind the consumer credit transaction that took place XX/XX/2020 at XXXX XXXX XXXX XXXX in XXXX, MISSOURI and ALLY FINANCIAL INC due to violations including but not limited to, the unlawful failure to give full disclosure required under TILA, FDCPA, as well as violating Regulation Z, 12 C.F.R. 226.5 ( b ), 226.15 ( b ). It is a fact that XXXX XXXX did not participate in a loan. XXXX XXXX participated in a consumer credit transaction thereof, the adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; 15 USC 1602 ( I ). XXXX XXXX XXXX XXXX of XXXX MO, ALLY FINANCIAL INC., and Affiliates committed fraudulent crimes pursuant to TILA, FCRA, AND FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Dear person in charge This is a second attempt to ask for your help to resolve our case with Loancare ( COMPLAINT ID XXXX ). 
They said that they would mail us the loan modification document within 45 days, but never did. 
We have been waiting for two and half years for our promised loan modification. We call every month and are told soon it will come. 
We have been paying the trial amount of {$620.00} or more every month at the interest rate of 4.375 % since XX/XX/XXXX. 
ScienceHurricane Maria of XX/XX/XXXX, we have been offered an abatement without penaltyor being reported as delinquent. Yet Loancare / XXXX XXXX / XXXX continued to charge the full interest rate of 6.875 % till XX/XX/XXXX and they reported us as delinquent destroying our credit rating. Constantly promising that we would be sent a loan modification mortgage. We have still not received it. 
We sent our information to the XXXX XXXX XXXX on XX/XX/XXXX. We were told by Loancare we would have a written response to our complaints on XX/XX/XXXX within 30 days. Nothing was ever sent by Loancare. 
Our payoff amount does not reflect all our ( 23 trial ) payments or the new reduced interest rate. 
We are about to sell our house and need an accurate payout statement immediately. 
I feel Loancare has deliberately charged me many thousands of dollars through their lies and stalling tactics. 
Now in the payout statement, it is still not adjusted to the new interest rate or even giving me credit for all my " trial '' payments since last XX/XX/XXXX. 
Our conversation with a worker in the lost mitigation department, XXXX, XX/XX/XXXX, confirmed that our interest rate has been 4.375 % and all our trial payments have not been deducted from the payout document. 
Best regards, 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 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is a formal complaint against LVNV LLC located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX. and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Since XXXX XX/XX/2021 I have not been able to make deposits or withdrawals at BARCLAYS online bank USA. 
For the last 4 weeks I have contacted them by phone and emails and have been told repeatedly my accounts were under investigation for " fraud '' and that their security dept would be in contact with me. Every week I've been give the same song and dance routine without any contact from the bank until today XXXX XX/XX/2021 when I received an email stating my access to my online bank accounts was blocked. Up until this point I was at least able to logon and see that my money was in the bank. Now, however, I'm not able to even do that. 
Of course, I immediately contacted the bank and was told the same old story about the " investigation '' was still underway ad they would contact me " whenever '' it's concluded. They claim the problem was caused by son, who is XXXX  XXXX military, linking his own account to the joint account I opened for him authorization. Yet they approved his transaction and allowed him to make a deposit and withdrawal before locking me out of the very accounts I myself opened for us without notice or explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase charged me a {$25.00} late fee for a bill I NEVER got that wasn't due until XX/XX/2021. Everybody knows the mail in XXXX was slower than normal because of problems with the USPS so the late fee was absolutely ridiculous! Then I got a bill due XX/XX/2021 for {$5.00} in interest charges even though I MADE NO PURCHASES!!!!! These people are clearly running an illegal scam and owe me {$30.00}!!! I will NEVER use this credit card again and I expect there will be NO MORE CHARGES!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted Experian, XXXX  and XXXX to look into a Chapter XXXX Bankruptcy that was given to them. I filed a dispute because I believe that the U.S Bankruptcy court did not provide them with this information. Experian said " The Company that reported the information has certified to Experian that the information is accurate. '' The court was US BKPT CT MI  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 2021-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2005 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I and my spouse are presently the victims of aggravated identity theft, aggravated cyber, physical stalking initially by XXXX XXXX XXXX/XXXX XXXX. Now we suffer from aggravated cyber/physical stalking by these people and also XXXX  XXXX XXXX of XXXX Tennessee whom took my job ( # XXXX ) after I became permanent. Never reported wrongful termination. Used spouse ( XXXX XXXX ) identification at XXXX XXXX XXXX  store suppressing the taking of my job on XX/XX/XXXX. We were literally ran out of XXXX  by these dangerous criminals!!! Our unemployment insurance accounts were fraudulently cut off as XXXX /XXXX XXXX used a duplicate XXXX checking card ( XXXX ) to forward over {$8000.00} of our unemployment payments to themselves. Regions Bank of XXXX Ga. on XX/XX/XXXX forced us to use an old account opened in XXXX in XXXX Tenn.? We entered that bank seeking to set back up our unemployment accounts ( direct deposit ). We asked the branch manager why we couldn't open up a new account instead of one we didn't have the vital information to. They ignored us. 
In short, Regions Bank account # XXXX belongs to XXXX XXXX and XXXX XXXX XXXX of XXXX Tennessee  whom are practicing bank fraud, aggravated identity theft and aggravated cyber, physical stalking. Regions Bank allowed these criminals access but blocked us. We want this account closed and any compensation due us by Regions Bank!!!

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