vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I was called Sunday morning by XXXX XXXX, they were told not to ever call, let alone sunday, it is a violation of my rights in the state of Tn

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Clear Debt Solutions, LLC
State: OH

Complaint narrative:
This company keep calling about a debt they are saying I owe. They are threatening me and calling my work. I have asked them to stop. I XXXX  the number and it said they were collecting for XXXX. I contacted XXXX   and they apologized and said that the call was a fraudulent scam! The collections company said they were CDR. They asked for my social security number! They also leave a ton of personal information in voicemail messages that anyone could be listening to!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has blocked my credit report for no apparent reason. I am unable to get a credit report and lenders are unable to pull my credit report. This is delaying my home purchase and causing unnecessary frustration. I have called Equifax numerous times and have been unable to get a straight answer about why this is happening and what the resolution could be. I was told to fax a copy of my social security card and ID to them, but the fax would not transmit. Please help me deal with this negligent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: CA

Complaint narrative:
I am on the phone with a representative and he issued a new card and reported a fraudulent charge. As I'm attempting to make the payment which is due on XX/XX/2018 so today I noticed a {$39.00} late fee charge. I asked the representative why is there a late fee when today is the due date. Even if they are going by eastern standard time since it is XXXX XXXX. my time it isn't even the next day eastern standard time. Therefore how am I being charged a late fee on the same day the payment is due. He said that is a good question and wasn't able to explain. I believe the reason for the charge is harassment from the bank. I would like Capital One investigated for such.

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
This debt was turned over a couple years ago to a debt collection agency. I agreed that I owed a portion of the debt, but disputed the remainder of the debt. The portion that I owed, I paid to that collection agency. I filed a formal dispute on the remainder of the debt, and within 30 days I was contacted saying they were closing their file. 

Approximately 7 months ago, I was contacted by another debt collection agency for the same debt. I disputed the debt with them, explained the previous situation, and they encouraged me to contact XXXX directly to resolve the issue. I contacted XXXX directly and they refused to do anything to clear the debt. At both times I was contacted, the alleged debt included an equipment cost for equipment that they alleged we didn't return. When I contacted XXXX, they acknowledged that we had returned all equipment. 

On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX, another debt collection agency for this same alleged debt. This letter also mentions an equipment cost, I'm assuming for the equipment that XXXX already acknowledged that I returned. I am disputing this debt with XXXX XXXX directly, but this continuous contact for a debt I've already disputed twice is, in my opinion, beginning to border on harassment. I have taken all the necessary steps I needed to take to resolve this issue, and XXXX seems to just transfer the debt to another agency to try to collect.

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 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from Wells Fargo Bank informing me that a recent direct deposit from my XXXX XXXX XXXX account has been returned unpaid. I was charged a return deposit item fee of {$12.00} that would reflect in the coming days. I called Wells Fargo and spoke with a banker about why I am being charged for the other party 's insufficient funds. The banker agreed that this a very poor policy but said she was unable to stop the pending fee. I was told to call back after the fee posted and to discuss with Wells Fargo about refunding the fee after the fact.

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 2018-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted TransUnion about inquiries that's on my credit report they did not want to help me I typed up removal letters twice and sent them in the first time I sent it in the removal letters they removed all of them and the next day they put 38 more on my credit report the second time they refuse remove them I did the same approach I typed up removal letters and they do not want to remove them and they won't reach out to none of the creditors they say it's my job which I have and I'm telling TransUnion don't none of them have my authorization or my signature to run my credit

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 2018-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have XXXX XXXX account and i have XXXX XXXX   card. It is advertising 5 % cash back when I'm placing order yet i cant see my cashback points and not XXXX nor XXXX  representative were able to fix the issue after 4 hours phone conversation and call forwarding back and forth to XXXX and syncony 4 times. 

Even after the phone conversation, today i am placing order with XXXX using store credit card and its displaying 5 % cash back, which I do not receive. 

I have placed approximately XXXX  worth of orders lately and no cashback as was advertised. 

XXXX XXXX account email : XXXX XX/XX/2018

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 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI

Complaint narrative:
I purchased a vehicle from a family member. We contacted the loan company whose name is Prestige Financial. We were told by the company that the loan could be transferred to me after I filled out the proper paperwork. Prestige Financial i.e., XXXX XXXX the representative for the company assured me that upon completing the necessary paperwork that my name would be placed on the title and that the property would be considered mine after the title change. I filled out the papers that was requested. I waited months and the company never put my name on the title. I paid several thousands dollars to Prestige financial. Every time I would go to the DMV they would tell me that the car is not in my name. On XX/XX/2015 after I made a XXXX payment they repossessed the car for reason of none payment. XXXX XXXX stated that I did not own the vehicle and that the responsible owner has to pay for the vehicle herself. I asked why had they deceived me and had me fill out the paperwork if they were not going to title the car to me? and she rudely hung up the phone Everyone else that I tried to talk to at the company refused to provide assistance to me. The legal owner and I made complaints and we got nowhere. In the end the company took my money, refused to refund any portion back to me, failed to place me on the title as promised and has continuously reported to the credit bureaus that I owe them XXXX $ and that I am more than 120 days late every month severely damaging my credit. They are also reporting false information. If you carefully exam the reports you can see the conflicting info. I want them removed from my credit report and reprimanded for fraud and deceit. I also want a refund of all my monies that were paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In Summary, I have excellent credit. I rarely get hard queries on my report because I'm very sensitive about doing credit pulls. I went to XXXX XXXX and my wife wanted to buy something. They offered me an additional 25 % on the purchase if my XXXX 's account was inactive. I said what does that mean, they responded, if you're account hasn't been used in a long time ( undefined at the time ) you could be eligible. I said sure is there an easy way to find out. They said yes. I explicity stated there is not credit pulls on this, is there - they said no. I said great. Then they noticed my card was expire or wasn't updated because new cards have a chip. They said we can reissue you a new card. At this point i got home and received a new card in the mail and sure enough, i got an alert from my credit monitoring company that XXXX XXXX XXXX ran credit on me WITHOUT my consent. I have emailed and called XXXX 's about this with no response. I will be pursing legal action on XXXX 's if they don't get this remidated. I noticed i could file a complaint with CFPB because i'm sure others went through this exact process and this is plain freveloous not letting customers konw they are doing a credit pull without the express content of their customers.

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 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: NJ

Complaint narrative:
Victim Id form summited multiple times. I have multiple Signature confirmation receipts from letter sent. This account was opened without my knowledge. Under a false name XXXX XXXX and false address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I had contacted XXXX & XXXX   and they have deleted this collection company from my reports, but XXXX  just keeps this fraud Collection on my report after multiple letters and corespondent to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card is incompliant with CFPB regulation that : " The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days ''.

Discover Card " ADMITTED '' that the card issuer was notified of fraud activity on XX/XX/XXXX. They completed the investigation and mailed out the final decision on XX/XX/XXXX. They took more than 90 days and/or 2 billing cycles.

According to CFPB, a credit card issuer must adjust charges " even if it has concluded against the card-holder ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
bought and return product by XX/XX/18 verified by there email dated XX/XX/18 and letter dated XX/XX/2018. Fax copy XX/XX/18 of there email stating credit will be credit to account. add spouse XX/XX/18 to account to help clear up.also again on same letter stating credit of XXXX will take 45 days.letter dated XX/XX/18 states intent to report delinquency to credit agencies.i XXXX XXXX called on XX/XX/18 telling them of previous letter and returning product as stated on top of there letter hand written. receive another letter of intent to report delinquency now owing XXXX. called XX/XX/18 ask to resolve explain all letters to no avail. wrote letter XX/XX/18 to XXXX XXXX XXXX/ dispute resolutions only to receive another bill dated XX/XX/18 they are closing account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Multiple contacts were made to Loancare regarding the discrepancy with my mortgage payment. I have been left on hold and told that a request to reanalyze my payment would be completed but nothing has been done. It has been 2 weeks when I was promised 5 days.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Creditor XXXX XXXX XXXX has acknowledged in writing ( attached ) that their accounts were reported to my credit file due to an " inadvertent internal error '' and should have been removed. 

Further ; the creditor acknowledged that they never received a payment from me on this account.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
There was an inquiry on my credit report by Winn Law Group out in XXXX CA. My credit report IS locked and they still got through! After searching their name on the internet, turned out it is debt collection 'lawyer ' according to the reviews. 
I haven't had any debt for 12 years!!! never heard of them, never heard from them! I had to put a fraud alert on my credit report and had XXXX  to investigate the inquiry. How is it possible in this age and technology for scambags to have access to the post private information??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Creditor XXXX XXXX XXXX has acknowledged in writing ( attached ) that their accounts were reported to my credit file due to an " inadvertent internal error '' and should have been removed. 

Further ; the creditor acknowledged that they never received a payment from me on this account.

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 2018-04-26 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: TN

Complaint narrative:
Experian is reporting a balance of {$1400.00} on the XXXX/XXXX account. Contacting XXXX/XXXX they state that the account was discharged in XX/XX/XXXX and the account should not appear on the credit report, and has also sent me the copies of this information including the cancellation of debt and a letter from the Vice President 's offices stating that the account was cancelled and no longer in collections.

Experian has not acknowledged these documents that I have sent since XX/XX/XXXX and has not updated the information on my credit report. The attachments clearly show that the XXXX/XXXX   should not be on my credit reports. XXXX/XXXX   additionaly will not accept payment and tells us to contact the credit bureaus to have the items removed. We have done this but the account is still not removed.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have an unauthorized inquiry on my credit report. Possibly due to fraud.

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 2018-04-26 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: TN

Complaint narrative:
XXXX  is reporting a balance of {$1400.00} on the XXXX/XXXX account. Contacting XXXX/XXXX  they state that the account was discharged in XX/XX/XXXX and the account should not appear on the credit report, and has also sent me the copies of this information including the cancellation of debt and a letter from the Vice President 's offices stating that the account was cancelled and no longer in collections.

XXXX  has not acknowledged these documents that I have sent since XX/XX/XXXX and has not updated the information on my credit report. The attachments clearly show that the XXXX/XXXX  should not be on my credit reports. XXXX/XXXX additionaly will not accept payment and tells us to contact the credit bureaus to have the items removed. We have done this but the account is still not removed.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have an unauthorized inquiry on my credit report. Possibly due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA

Complaint narrative:
My original loan was with XXXX XXXX XXXX, who transferred it to XXXX. I became very ill and underwent three XXXX last year and had missed several payments but XXXX encouraged me to apply for a loan modification. I was in the midst of completing the necessary paper work when XXXX returned my most recent two mortgage payments and notified me that my loan was transferred to Bayview Loan Servicing. This is when the real nightmare began!

Bayview would not any accept payments from me. They immediately served me with a notice of default. I completed their loan modification paperwork and submitted it, only to have them time and time again send me notifications that they needed additional information. This process began in XX/XX/XXXX. The loan modification is still " in progress. '' The request I received in the mail today asks for " a copy of Estate Documents i.e. executed Last Will and Testament '' and " Copy of Trust Agreement. Must be irrevocable trust with borrower reflected as beneficiary ''! 

I have complete records of their correspondence along with all my responses that I sent registered mail with tracking numbers. I also have a phone log of my numerous attempts to contact them by phone. I have been shut down from accessing my account via their website. 

Foreclosure is scheduled for XX/XX/XXXX. I have the funds available but they will not tell me the reinstatement amount. I have made four requests via email beginning XX/XX/XXXX. I was notified ( with the foreclosure documents ) to contact their partner, XXXX XXXX XXXX XXXX of WA. Neither Bayview or XXXX XXXX XXXX will provide me with the information I need to make payment to keep my home. 

Bayview is the most corrupt company I have every done business with. Can you help?

Company response to consumer: Closed with explanation