vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I signed up for an XXXX credit card in store with a {$1000.00} limit in XXXX XXXX They failed to send me a physical card but I was able to buy things on the account anyway. This became a problem when it came time for me to pay the card because every store I went to had different answers about whether or not I could pay the bill in store - sometimes same store, different employee response. 
I called, got the directions to use USPS mail to send my written social security number and ID scan into.so they could verify my identity before sending a physical card. I received a letter in the mail over a month later stating that my identity check was rejected - no reason why given. When I called and asked, they also couldnt tell me the reason for rejection. 
I spoke to them again in XXXX when they called to collect my bill payment with a late fee on it. Keep in mind I still cant pay the bill online or in store. I asked them to remove the late fee and I agreed to pay the remaining ( actual ) balance this once over the phone. They agreed and assured me I would receive my card in the mail. I held off on making any further purchases until my birthday came around in XXXX They had started stacking late fees on my account, so I called and paid the balance again but said I would not pay the fees. I called and explained the situation to multiple customer service reps who apologized and said, Im sorry, this is not your fault, which made me hopeful. But once I was transferred to Collections, specifically the Supervisor, she was horribly rude, hardly acknowledged any point I made, and blamed the entire situation on me. Zero options for compromise, not a hint of sympathy. When I told her I wasnt paying the fees and would be filing a complaint, she scoffed. 

Since, they have spitefully limited my account limit to barely {$100.00}, further hurting my credit. 
I have told the Supervisor of Collections and several other collectors at this point that I dont plan to pay it and Ill be taking a complaint elsewhere, yet they call multiple times a day from several numbers or No Caller ID. Its harassment. 
This is also not my first nightmare experience with Comenity. If I had realized they were funding the cards I never would have signed on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
The account is EXETER FINANCE. I have been disputing for a year and on XX/XX/XXXX, I sent out another letters regarding this account disputing the accuracy and how the amounts are are reported differently, the dates opened are different and recorded on each bureau, and the dates last active are all reported wrong. While one account is closed on one bureau, while they are still being reported on the other 2 bureaus. It is closed on XXXX But it is still being reported to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr Cooper is refusing to respect the law and give me 18 months forebeafance. They originally confirm that I had 18 months but then canceled it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a auto-pay account with Capital One { ne of several accounts with Capital One } account that I have a problem with ends in XXXX. I open this account awhile ago and did not make any for about 2 years. Balance due on XXXX, XXXX, 2020 was {$2600.00}. On the XXXX, statement Capital One claimed I owed a additional {$8100.00}, I called several times and could not understand how the payments could be that high since I made no purchases, Capital One now wants {$520.00}. My credit has been ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I need the help of the FTC and CFPB with resolving vague and misleading investigations carried out by Equifax. I've sent them various challenge letter over the last 120 days some of the most recent which I've included below. Equifax has several times taken more than 30 days to conduct their investigations as permitted in the FCRA. Also, they have repeatedly failed to mark several of these accounts as being under dispute when they received my dispute letters and lastly Equifax has completely failed to fix countless errors associated with these accounts as outlined in my past challenge letter attached below. I'll be filing my next consumer complaint with the FTC against these erroneous creditors listed on my credit report and against Equifax to enable them investigate these inaccurate accounts and ensure their deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have submitted information to credit reporting agencies and have not gotten any results or compliance with them.

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 2021-08-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have submitted information to credit reporting agencies and have not gotten any results or compliance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I ask for supporting documents about my debt collection and could not provide it. My call was passed to different staff members and staff members could not give me answers. I call on XXXX XX/XX/2021, debt amount {$2000.00}, The company name is AMSHER COLLECTION SERV, telephone number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On Friday XX/XX/XXXX {$43000.00} in cash was deposited in XXXX of XXXX dealership 's account for a car payment but until today ( Thursday XX/XX/XXXX ) the car dealership is still unable to see the funds in their account. Citibank ( branch of XXXX ) is the location where the money was deposited and 6 days later the money is still not available.

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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I'd like to report fraudulent practices that wells fargo mortgage agent, XXXX XXXX ( XXXX XXXX ), did with us. She told us to lock rate because it was low on a given day and promised us a rate and point level that she can get for us. So we gave her a go-ahead. However, when we got the agreement letter, the rate there was much higher than what XXXX XXXX promised us over the phone. She also promised us we will get a free -relock if the rate went lower which didn't happen either as it's against wells fargo 's firm policy to waive the relock fee.

She mis-led us by making up rate information and offering " sweetener '' that never existed in order to entice customer business. Among my other friends, quite a few of them had similar experience with her and her fraudulent behaviors have been dismissed by her branch manager consistently because she brings in revenue. It is clear that systematic fraudulent practices and misconducts have been happening at her branch for a long time. I am here to request an open investigation into the branch where XXXX XXXX belongs. 

Thank you for you attention. 

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 2021-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Yes I'm on XXXX going thru hardship with bills etc. Living paycheck too paycheck. Struggling too make this months payment. Hope I can get payment deffered right now. Always on time with payment.

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 2021-08-13 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : COMENITYBANK/VICTORIA-XXXX-Balance $ XXXX-Date Opened : XX/XX/2013 COMENITYBANK/VICTORIA-XXXX-Balance $ XXXX-Date Opened : XX/XX/2013 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
fcra : not mine XXXX XXXX XXXXXXXX Original creditor : XXXX {$2800.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2800.00} {$2800.00} Payment Info Original balance {$2800.00} Balance {$2800.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX  Original creditor : XXXX XXXX  {$710.00} Balance updated XX/XX/XXXX XXXX XXXX {$18000.00} Closed 77 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$18000.00} {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Last spring after XXXXovid hit there was an offer for loan forbearance due to the pandemic. I applied but initally I did not need it until after I got furloughed then I used 3 months of the forbearance for XXXX, XXXX, and XXXX. My mortgage payments at the time were XXXX per month with XXXX being principal and interest. In XXXX I got a escrow review notice saying I owed XXXX for escrow shortage and had to pay the full amount or my mortgate payment would go up to over XXXX. I called the company and explained that I didn't think my taxes went up XXXX per year. They did another review and came back later with another escrow review giving me a refund of over XXXX and my mortgage payment was changed to about XXXX. All well and good. Then I noticed that my " unpaid second principal balance '' from the forbearance was listed as over XXXX. I believe the escrow issue was folded into my unpaid balance since the amount actually unpaid was less than XXXX assuming escrow was included, and less than XXXX if its only principal and interest. I waited awhile, until around XX/XX/2021 figuring it would get sorted out now that the escrow was fixed. It never changed so I called the company and explained and they said they would get back to me in a week, I waited a few months until XX/XX/XXXX and called again, was told again they would look into it and gave me a direct number to call back for a status. i waited a month until XX/XX/XXXX and this time I was transferred all over, explained the issue several times, no one I spoke with could even confirm if the issue was reported in their system and nobody seemed to know if anybody was even working on the issue and eventually I was put on hold and then the call was dropped. I have no faith in their customer service to do anything for me at this point so I am making this complaint.

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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below.

AFNI acco
unt number XXXX This item is inaccurate and I am requesting that ANFI have the item removed my credit report immediately. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
On XX/XX/2021 I noticed a new inquiry from capital one 4 different times on my report. I have never applied for this account especially not this many times please remove this for it is fraudulent that this company allows this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I established this loan in 2003 as a co-signor for my ex wife. The loan was originally for roughly around {$7900.00} funded by Sallie Mae for her to attend medical billing school it has since been assumed by Navient. 
In 18 years this loan has grown to over {$11000.00} because of all the deferments and forbearance by the primary borrower, so in over 18 years the loan has gotten worse with little to no assistance from the primary borrower. 
I have attempted on several occasions to lower or remove all of the interest and negotiate the principle but have been unsuccessful. 
She attended XXXX XXXX in which was a total rip off and did not help her gain employment in that field at all after completion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Account was in deferment due to COVID 19 payment assistance however they were still reporting my account as late to the credit bureaus. 

Submitted a dispute with WF however this was not corrected.

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 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Capio Partners LLC is still reporting a debt on my credit report after this debt has been paid in full to the original medical facility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello - my unused Visa had a value of XXXX dollars. It is expired. I contacted company phone # XXXX and requested a refund. The representative XXXX XXXX It's expired, and the card lost the {$50.00} value. I told XXXX I had not used the card. Will you send a refund? He said the card was used but did not know where. Will you help with the refund? 
Visa Card # XXXX XXXX XXXX XXXX Thank you 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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX contacted me by phone and said I owe {$2000.00} for a delinquent credit card balance. 
I have excellent credit and have never missed a payment so this sounded fishy. 
I called HSBC and they did a search under my SS # and have no record of me at all. 
They threatened me that if I didn't pay I would have to take it up with the judge. 
I never received any certified letters at all from them witch is probably the first step to recover a debt i'm sure. I was very close to paying a {$1300.00} settlement when I decided to check to see if the debt was real because I never recall having a HSBC credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below. 

Jefferson Capital Systems # XXXX This item is inaccurate and I am requesting that XXXX have the item removed my credit report immediately. 

Thank You

Company response to consumer: Closed with explanation