vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This complaint is a follow up to complaint XXXX, which was closed without acceptable resolution. The reason for this complaint is to supply new information and proof to support my claim. 

I have a XXXX XXXX credit card that was issued by Comenity Bank. I have had this card for over 15 years.I used the card to make purchases at XXXX XXXX, and have not had a problem until this year. The problem I'm having is that my account is not being credited for returned merchandise. Here 's a list of the amounts and dates of the returns : {$14.00} returned XX/XX/XXXX ; {$17.00} returned XX/XX/XXXX ; {$9.00} returned XX/XX/XXXX ; {$24.00} returned XX/XX/XXXX ; {$27.00} Order was cancelled XX/XX/XXXX because item was not in stock - but I was charged for it anyway and no credit was ever given ; {$24.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$32.00} returned XX/XX/XXXX ; and two orders of {$26.00} each returned XX/XX/XXXX. 

I have attached 3 PDFs that will support the above. Included are screenshots from XXXX XXXX website that verify the items returned, amounts and dates they marked the merchandise as returned. Included are letters from Comenity Bank indicating over 7 times where they are investigating my claim. Comenity even admitted that they made an error and issued two refund checks. I cashed the first one for {$400.00}, only for my bank to inform me three days later that the check was returned unpaid. This resulted in overdraft charges being assessed by my bank. since I live on a fixed income, my husband had to give me money to pay the overdraft and fees. Comenity sent another check, but I did not cash it in fear that they would return it too - which they did some days later. 

Comenity also reported to the three credit reporting bureaus that I did not pay my account for three months - that is untrue because I paid the account in full when they billed me - even though I owed them nothing. I paid in good faith expecting them to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
Vance & Huffman, LLC. 

XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Vance & Huffman , LLC., is reporting the collection account referenced herein. I did not receive correspondence from Vance & Huffman, LLC., notifying me of the debt prior to it being report the credit bureaus. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Vance & Huffman, LLC., cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
ref : Complaint Number XXXX the response from aquifex is unacceptable this is going on for the past 3 months as you can see the date on the fax cover letter to Equifax they need to remove this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: TX

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Prior disputes have not produced, validation of the debt nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems, cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My payment is due on XX/XX/2019 and I called to make a payment. The customer service rep was not able to process my payment because their systems have been down all day. Because of their system error I am going to be charged a late fee and it will show that my account was past due. This is not fair to me because I make sure that all my bills are always paid on time and now my account is going to report that I was late. This is going to affect my account to ever get a credit line increase in the future. I have been working hard to keep my account in perfect standings and it just not fair that its not going to be perfect anymore because their system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered your company, FNB OMAHA continues to report the collection account referenced herein. Prior disputes have not resulted in validation of the debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Statements showing itemization of monies owed. 
Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 
Proof that you are licensed to collect in my state of residence I am also requesting that FNB OMAHA cease and desist from all collection activity pertaining to this account. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the XXXX XXXX XXXX, and the Attorney Generals Office.

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 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was transfered to shellpoint mortgage from XXXX    XX/XX/2019. When the loan was transfered my unit number was omitted and i never received any statements or any other documents. When i called i was told that my loan was in the process of transfering and i should call back. When i called the number that i was given i made a payment over the phone and was given a confirmation number for the payment and 3 other payments after that. I still had not received and statements or documentation either by mail, email or phone. It wasn't until i went to make another payment by phone and my balance was very high. I called spoke with someone and was told my payments had not gone through and that i was being charged NSF and late fees. I was told my unit number has been omitted and my statements had come back. I have called, emailed several times and keep being told my case is being worked on. I recently discovered this has affected my credit and now need to fix that. Thank you in advance for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I opened my bank of America account on around XX/XX/XXXX. I also attached the {$300.00} checking account offer to my checking account. The offer code was XXXX. I fulfilled all the requirements on XX/XX/XXXX and XXXX, which is direct deposits totaling 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 monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I received a call from Diversified Consultants.Inc .. Stating they trying to collect a debt for XXXX. I ask them to send over proof that this was my Debt in writing and i never got any thing. So i wrote them on XX/XX/2019 a letter to Validate debt.Asking them for copies of a sign contract from stating the i agree to pay this debt from XXXX, They response on XX/XX/2019 that they received verification from creditor All they sent over is a bill statement .Nothing with my signutare on it, Nothing stating they own the debt from XXXX . 

Then on XX/XX/2019 the stated they place my account in validation .Which then they still never sent over anything with my signed name on it.THEN ON XX/XX/2019 they sent me a fraud affidavit form from XXXX .So then i sent a letter on XX/XX/2019 them that is is not a valildate debt to them under fair credit reporting act, I have not heard back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: NY

Complaint narrative:
Equifax is currently reporting illegal activities on my credit profile. ( Please see attachments ). 

Portfolio recovery and associates- is a reaged account that appears on my Equifax credit profile XX/XX/2019. This is a violation. Please remove this account immediately. 

XXXX XXXX XXXX XXXX- is reporting a past due amount on a collection account. This is a violation. Please delete this account immediately. 

XXXX XXXX XXXX XXXX is currently delinquency on a collection account. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered your company, Santander Consumer USA is reporting the collection account referenced herein. Prior disputes have not produced validation of the debt referenced in this complaint. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Statements/itemization of monies owed. 
Copy of bill showing last default date. 
Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 
Proof that you are licensed to collect in my state of residence. 

I am also requesting that Santander Consumer USA cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX XXXX, the Federal Trade Commission, and the Texas Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The Cabelas credit card was taken over by Capital One about 12 months ago, on or about XX/XX/XXXX. For the first several months after the cutover, billing statements were coming out showing past-due amounts and associated fees and interest when in fact accounts were not past-due. For the first several months between XX/XX/XXXX and XX/XX/XXXX, I called Capital One to explain the issues. At first the representatives didn't understand the cutover problems, but in time, they realized them and made credit adjustments to the accounts to reverse fees and interest. In XX/XX/XXXX, they sent me a formal letter stating they were processing adjustments to correct the account. Ever since then, the new card issuer, Capital One takes longer to post payments to the accounts, this in part as I have come to realize, is partially because while the original card issuer could receive electronic ACH payments initiated from my bank, the same electronic ACH payment ( oddly ) can not be done initiated from my bank to Capital One, therefore my bank sends out a check payment. In XXXX of XXXX, my payment due date was XX/XX/XXXX and my payment dated XX/XX/XXXX, was not posted until XX/XX/XXXX. When I called to query the timeliness of posting credits which culminated in respectfully requesting an adjustment due to seemingly untimely posting, the card issuer refused citing the prior " courtesy adjustments '' they had given me on/about 12 months ago during the period XX/XX/XXXX to XX/XX/XXXX. I highlighted that those adjustments were due to the credit card company cutover, not due to me not paying timely -- a point which the supervisor of the initial representative I spoke to, totally agreed with. In the end, no adjustment in the form of a {$27.00} late fee and {$1.00} in interest was made ... the amount allegedly past due was {$130.00}. I'm curious if there is a standard for how long a credit card company has to post credits to the cardholder 's account after the payment is received. In this case Capital One seems to be preying on people whose banks submit check payments on their behalf ( in my case the previous credit card issuer for this account was able to receive electronic payments from my bank ). The representative and supervisor I spoke to highly encouraged a direct ach draw from my bank account to alleviate my concern with Capital One 's timeliness in posting credits ; however, I explained to them I choose to maintain positive control in reviewing account statements and actioning payments myself through my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Alorica Inc.
State: NC

Complaint narrative:
SST LOANS AKA SYSTEM TECHNOLOGIES as per XXXX XXXX in 2019 refuses to give me information I requested for a legal hearing. I submitted a complaint earlier this year. No response. SST IS A THIRD PARTY LOAN SERVICER I recently found out of XXXX XXXX. I even asked XXXX XXXX of XXXX XXXX  to advise XXXX XXXX to call me and fax info. 
XXXX XXXX attached is 1 of the proofs of a SST LOAN ON XXXX XXXX XXXX account that you claimed you did not have. There are at least 2 loans. I need copies of the titles issued at payoffs and signatures of persons making loans etc The XXXX XXXX XXXX  CAB TRUCKS ARE LISTED ON MY NCDMV. 
I recently obtained documents proving my claims from XXXX XXXX  finally Stated as XXXX or XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  nc XXXX. Auto pay loan 0n acct ending XXXX. I need all loan documents relating to all loans with my names originally attached for improper or fraud activity. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have credit cards with several different banks and only have this problem with my Capital One credit cards ( two of mine and one of my wife ). It seems as though more half the time when I go to pay on the card, they claim they have a system problem and that I should try again another time. It happens so often that I think it is a device that might be in use to hope I forget to pay on time. I do eventually get to make my payment online but it is irritating to have to so consistently try multiple times. Could you check this out? Thanks. ( I have been diligent on the retries and have not been penalized. This is a FYI effort )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I've been going off and on for the last year to my XXXX and have never had a bill. When I did find out I had a bill for a copay which I was never told of. Two months go by and a company started blowing up my phone 2 to 3 times per day. Company name PAYACEI.com. I did finally speak to a rep and I explained what had happened and that I had paid the past due amount of {$26.00}. I check my credit this morning and see that the rep for said company put it on my credit anyway. Its a pain I have been struggling with my health and trying to build back up my credit to a good rating. I have researched this company and found them to be lawless crooks without morals. 

There company info as follows, PayAcei.com ( American Collections Enterprise , Inc ) XXXX. XXXX XXXX XXXX, VA XXXX XXXX or XXXX Thank you in advance,

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 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BMO Harris is refusing to honor the sign up bonus I was promised when I opened my checking account. I opened my account on or about XX/XX/2019. The advertised terms were as follows : To receive the {$200.00} bonus for a BMO Harris Smart Money Account or BMO Harris Smart Advantage Account : 1 ) Mention or use the promo code when you open a new BMO Harris Smart Money Account or BMO Harris Smart Advantage Account between XX/XX/2019 and XX/XX/2019. If you use the open now link above well automatically apply the promo code for you. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$500.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 3 ) Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard post to your account within 90 days of account opening. 

I completed all requirements by XX/XX/2019 ( direct deposits and debit card transactions ) but I still have not received the {$200.00} that BMO promised in exchange. I have contacted them three times in the past three months and have been given the run around each time, although they have acknowledged and confirmed repeatedly that I am entitled to the payment -- but they are continuing to withhold payment more than seven months after I opened the account, without explanation. My correspondence with them is attached.

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