vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I received a letter via XXXX from XXXX XXXX XXXX regarding a Comenity Capital Bank My BJ '' s Perks Mastercard. On Monday, XX/XX/2020 I contacted XXXX XXXX XXXX via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from XXXX XXXX XXXX I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed XXXX XXXX XXXX that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from Comenity Capital Bank My BJ 's Perks Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that XXXX XXXX XXXX sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe XXXX XXXX XXXX any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form XXXX XXXX XXXX harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i recently obtain a copy of my credit report due to covid and noticed accounts i did not authorize.

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 2020-08-23 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: MD

Complaint narrative:
i recently obtain a copy of my credit report due to covid and noticed accounts i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've tried for month to get my credit report corrected through equafax. Unlike some of the smaller credit more effecent reporting agencey make it more customer service friendly they do not on my credit report the other agenency are showing a credit score of XXXX and equafax is showing XXXX how can the cfpb allow a company like this get away with possibly ruining a person life because of a faulty report. A company that has been in business as long as they have should have a check and balance system in place to detect such errors immediately. But instead they are allowed to run a muck. Here are some reports that were filed with other agencies with no problems and my report was updated in a few weeks. XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: NJ

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Malicious Reporting on Mortgage Loan Account Veterans United Home Loans ( VUHL ) continue to report harmful and malicious information on my Mortgage Loan Account. VUHL has refused to remove a Payment Reversal entry from my account claiming that their manager XXXX XXXX verified that there were Insufficient Funds in my XXXX XXXX  account on XX/XX/2020 when I authorized a mortgage payment of {$1400.00} to be deducted from my bank account. 

Moreover, when providing VUHL a copy of written verification or a Letter dated XX/XX/2020 and issued by XXXX XXXX, XXXX Branch Banker, that clearly stated there were sufficient funds in my XXXX XXXX  account on XX/XX/2020 to cover the payment for VUHL. XXXX XXXX, Manager at VUHL and all others : XXXX XXXX and XXXX XXXX continue to distort the truth of this matter. 

Asserting my Rights under RESPA laws, I requested via Qualified Written Request on XX/XX/2020 the name of the Attorney who was in receipt of my Demand Letter dated XX/XX/2020 which I mailed to the address provided me by XXXX XXXX for the Legal Department for Veterans United Home Loans. After getting no response, I sent via email, a copy of the Demand Letter to XXXX XXXX, Manager for VUHL, who falsified information already : " claiming insufficient funds '' in my XXXX XXXX account was the reason for the Payment Reversal being placed in my mortgage file. Rather than provide me, XXXX XXXX. XXXX, with the name of a barred attorney that received my Demand Letter, XXXX XXXX, sends Certified Letters with the address of : XXXX XXXX  XXXX XXXX, XXXX, MO XXXX. This address is merely the address for Mortgage Research Center , LLC, d/b/a Veterans United Home Loans.

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 2020-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XX/XX/2020, Capital One closed my credit card account due to inactivity. I have had my Capital One credit card for 10+ years and have a flawless payment history never missing a payment and always paying off the balance each month. The only reason I even knew about the closure was because of credit monitoring. I called Capital One to reopen the account and I was told it was company policy to not reopen credit card accounts. I was also told that a notification was sent a few days before the intended closure date. In reality, no notification was sent and there is no documented company policy regarding account reopening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FILED FTC REPORT WITH COMPANIES AND THE CREDIT REPORTING AGENCIES THEY CLOSED THE ACCOUNTS BUT DID NOT REMOVE FROM CREDIT REPORTS THE ACCOUNTS ARE / US BKPT CT IL XXXX REFERENCE # XXXX US BKPT CT IL XXXX REFERENCE 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 2020-08-23 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: IL

Complaint narrative:
FILED FTC REPORT WITH COMPANIES AND THE CREDIT REPORTING AGENCIES THEY CLOSED THE ACCOUNTS BUT DID NOT REMOVE FROM CREDIT REPORTS THE ACCOUNTS ARE / US BKPT CT IL XXXX REFERENCE # XXXX US BKPT CT IL XXXX REFERENCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: TN

Complaint narrative:
The student loan servicer removed the indicator on my credit files which stated COLLECTION ACCOUNT AFFECTED BY NATURAL DISASTER FIXED RATE As a result this has negatively impacted my credit rating. I feel that they did this with malice to cause impact me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 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: DISCOVER BANK
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news  about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 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: OneMain Finance Corporation
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
I am a US citizen who is currently based in XXXX. On Friday XX/XX/XXXX two unauthorized transactions were made via my debit card number through TransferWise linked to my XXXX XXXX checking account. The illegally withdrawn funds appear to be sent to an American based account. 

I noticed the fraudulent charges on Saturday, XX/XX/XXXX. The transactions were for {$990.00} and {$1000.00}, totaling {$2000.00}. 

I immediately called XXXX XXXX XXXX Saturday XX/XX/XXXX ) to place a freeze on my card and to open a fraud claim. Because the bank 's fraud department does not operate over the weekend, I have to wait a few days before I hear back from the fraud investigation. The XXXX XXXX    XXXX supplied me with a fraud claim number and asked me to wait for further contact. 

I then tried to reach out via phone and TransferWise 's online message center to report fraud but received no response. On TransferWise 's website I read that all of their transfers are final and can not be reversed or stopped once started, and that I have to file a complaint though this website ( https : //complaint.consumerfinance.gov ). 

I then placed a freeze on my credit, placed a fraud alert, and reported the action to IdentityTheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
We called quicken loans ( rocket mortgage ) on XX/XX/XXXX with some questions about refinancing. The lady we talked to ( XXXX ) was very nice, and said that we NEEDED to refinance Because rates were so low. She told us about the process, and it sounded promising. She asked us to estimate our home value, and we went off of XXXX and XXXX at the time. We ARE NOT experts, and this is not our profession. She stated if the assessment came in lower, it was no problem, they could just restructure the loan. She also stated, with rocket mortgage, all closing costs roll into the loan. Which was great, because we told her we did not have the means to pay closing costs. She then asked for a credit card to cover {$500.00} for the assessor. We were reluctant, because we didnt have that to just give away. But again, she said we would get that back. 
Well, two months later, we STILL do not know what is going on. We have gotten several mortgage scenarios. All including outrageous closing costs. We can not pay! We asked several times to just cancel this. If we can not do it, just tell us. You can not ever get through to a person, and you rarely get a call back. We just want our {$500.00} back, and cancel this! Its beyond frustrating. And for our experience, they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: FL

Complaint narrative:
I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/fraud attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks  already. Equifax has not responded to my request nor have they removed the remark. XXXX and XXXX have both responded and both removed the negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America case # XXXX XXXX XXXX billed my card for unauthorized charges

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 2020-08-23 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: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Since my homes purchase in XXXX I have made each payment on time. I noticed on my credit report, XXXX, during covid19 that my report incorrectly indicates I had been late on two payments in XXXX, XXXX and XXXX. these payments were deferred due to damage from flooding in XX/XX/XXXX. In XXXX the full payment due for the three months of XXXX, XXXX m, and XXXX were made in full BEFORE the due date. I disputed the inaccuracy. Since my dispute, I see now that many months show no data, instead of the on time payments that had always been reflected on my report, and the two inaccurately stated late payments remain. In addition other random months are now showing late payment. This is crazy. I have no recourse. Disputing the inaccuracy actually lowered my score and added more inaccurate data to my report. I have never been late on my mortgage and not without personal sacrifice- the main reason was to maintain and boost my excellent credit rating. I need help. Wells Fargo is lying on my report and choosing to add negative inaccuracies and other months showing ND instead of the on time payments that had always been reflected in my report. Help!

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