vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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: NY

Complaint narrative:
Last XX/XX/XXXX, I received a statement of account dated XXXX XXXX, XXXX from Wayfair for a purchase I made way back in XX/XX/XXXX. Because the purchase was a good 10 months ago, I am almost certain I had already paid for it, because I always make it a point to pay my credit card bills on time and in full. So on XX/XX/XXXX, I called Comenity ( the bank that issues the credit card for Wayfair ) to make a dispute. 

I received a response last week from Comenity ( dated XX/XX/XXXX XXXX, saying that there was an error in processing, that the XX/XX/XXXX purchase was charged to my Wayfair account, but it did not post until XXXX XXXX, XXXX. They also said I should provide the receipt and documents proving my payment. 

I do not hold records as far back as XX/XX/XXXX. My husband and I were paying so many bills because we were renovating our house then. Not one of the suppliers or merchants complained, because we were paying religiously. 

I could only show them that my online Wayfair account shows a balance of only {$4.00}. I also just decided to send them a check for {$160.00}, the purchase amount, just to get it over with. 

What upsets me is that they said they already informed the credit bureau reporting agencies ( XXXX, XXXX, XXXX and XXXX ) about the incident. The dispute is not even settled, yet they already dragged my name to those agencies. They jeopardized my excellent credit rating, on a debacle that they created. 

My friend told me last Monday that the same thing happened to her with Wayfair/Comenity. They were charging her for something that she already paid. She filed a dispute with proof of payment. But it's been a year now, and the issue is still on her credit record. She has repeatedly tried to call Comenity to request that it be stricken off her credit records, but has been told that they don't have a department or contact person in charge of it. On top of it, my friend says that the same thing happened to her mother. 

What is it about Wayfair-Comenity? They are suspect if not just plain inefficient. They should not blackmail their customers with credit reports, specially since these incidents were not the fault of their customers, but Wayfair-Comenity 's to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 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: CA

Complaint narrative:
On XXXX XXXX I sent a letter to Equifax requesting to positively verify or remove four unknown accounts and three fraudulently inquiries listed on my XXXX  credit report and they have yet to verify the accounts or remove the inquiries. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 
It is now XX/XX/XXXX and I have not received any information on the investigation or verifiable proof nor have the accounts been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I have a existing VA loan with this company. Since the original loan, which my husband the vet was a part of, my husband passed. I applied for an IRRRL loan on XX/XX/XXXX. The company keeps putting my name down as the vet. I was sent a generic denial of credit statement on XX/XX/XXXX. When I called Freedom Mortgage I was informed the VA denied the refinance. I called the VA and was told the Mortgage company had submitted the incorrect form. I am not listed as the surviving spouse in their database. I would need to be the surviving spouse in the event of a new mortgage but with the IRRRL I still qualified. The mortgage company should list my husband as the vet and not me. I called the Mortgage company back and the loan advisor started a new loan on XX/XX/XXXX. I have had to submit countless copies of the same forms over an over. Every time I called, a new form request popped up into my email. I have worked with over 10 people including multiple customer advocates and an escalation group to try to resolve this. Today I again received a request for the surviving spouse form. When I spoke to the VA in XXXX they stated a special certification was needed to administer VA loans and I should talk to a manager. I have tried again and again to escalate this issue within Freedom Mortgage. The people who seem to listen add a note to the file, but still the same results. No one is either looking at the notes or cares.

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 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
PayPal has put " limitations '' my account and is preventing me access to my funds without cause. 
Upon request to close my account and claim my funds they declined saying the limitations essentially lock my account. 
I was informed I did not do anything wrong and did not breach any PayPal policies. Im being penalized for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XX/XX/2021 XXXX CARD + New Credit Inquiry Added Ran my credit without my consent! 

TD Finance auto ... report late payment XXXX and system error! Still never removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I was to be a grantor for my daughter for Apartments called the XXXX in XXXX XXXX CA in XX/XX/XXXX. However, once they ran my credit I was denied due to me already having an unlawful detainer on my credit from XXXX. They told my daughter to find another grantor with stronger credit or pay higher deposit. I was no longer involved. A year later I she moves and I started to see this debt on my credit report. I believe they used my information after because they did have access to it to hold me accountable for my daughters bill and not mines. I have made several attempts to reach out to the XXXX to have resolved but they can not assist. They are under new management. So I recently reached out to National Credit Systems and have been in contact with a XXXX XXXX at XXXX. She instructed me to file a police report against my daughter because that would be the only way to have it removed. I told her no because she did not do anything that was the XXXX who used me after the fact. I have filed a police report against the XXXX and as of XX/XX/XXXX, sent them a copy of that police report and a copy of my credit report showing I had an unlawful detainer at the time the XXXX ran my credit proving that I was not qualified for the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received an email that a charge was posted to my Fifth Third Bank Master Card credit card on XXXX XXXX. The same day I called Fifth Third Bank Customer Service Department and told them I did not make the charge, and asked them to cancel my card and issue me a new one. The card was still in my possession. The Merchant Name is XXXX XXXX  XXXX XXXX XXXX in XXXX, Illinois. The Amount is {$750.00}. I opened a Dispute the same day.

I was told they paid the charge as they received documentation validating the charge. The documents sent to me are not legible and when I called and asked them to read the information to me since I couldn't decipher them. I was told they couldn't do that and would send another copy, which was illegible also. I could read the Invoice # XXXX, which is odd. I asked for the dispute to be reopened. Since I could not reach anyone at XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois, which is 345 miles from my home, and spoke to XXXX, XXXX. She told me they had no record in the database of a charge of {$750.00} on XXXX, and could not find my name in the database so they never did business me, nor do they do any business with XXXX, which from my research looks like an ecard reader business. I spoke with her several times and she had never even received a call from Fifth Third Bank 's Dispute Department. They have now denied my claim for the third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
I vacated my apartment on XX/XX/2020. I informed my apartment in late XXXX. They tried to enforce a provisional 2 month notice to prevent auto renewal of lease and tried to charge me for XXXX. They did not notify me about the auto renewal as required by Minnesota State law to be applicable, I have documentation from the apartment acknowledging that they did not notify me. I directed them that if they wanted to pursue further communications and file against me they needed to direct that towards my lawyer. They never asked for any information about a lawyer I would have attained. They sent the debt to a Florida based company who does not know Minnesota law and did not inform me of said events. I contacted the debt collection agency sending them the information and statues that my apartment had ignored ( When I talked to my lawyer, they said it was very common for apartments to ignore the statute ) I gave them my information and they neglected to send any new statements or documentation. Instead they filed a second derogatory account against me, impacting my credit scores and hindering my financial situations. I have filed a dispute against them, but they're ignoring the steps they have to take to legally do things. Prior to filing my first complaint with the CFPB I was receiving robo calls from them roughly 1-3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MS

Complaint narrative:
Need financial relief due to hardships & to stop damaging my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
i have contacted SYNCB/TJXDC and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX deleted it because the could not verify this account and its time for the others to follow suit .... 

XXXX  is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit XXXX  is reporting {$0.00} credit limit XXXX  is reporting {$950.00} credit limit XXXX  is reporting XX/XX/XXXX as the date of last active XXXX is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and XXXX is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting

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 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I bought a Visa gift card issued by U.S. Bank National Association from XXXX on XX/XX/2021. I tired to use the card and failed. I called the number on the back of the card on XX/XX/2021, the representative told me the card has been compromised as the records showed someone tried to use the card several months ago before I even purchased this card in XXXX. I was told they will expedite the shipping of the replacement card at no cost to me. I just called them on XX/XX/2021, I was told there is not expedited shipping of the replacement, I will receive the replacement card though the regular mail. this is unacceptable, I was promised one thing and it didn't happen.

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 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, our mortgage payment due XX/XX/XXXX, was canceled. We were made aware of the situation in XX/XX/XXXX. We quickly responded and were reassured by Fifth Third bank customer service over the phone multiple times that we were within our 30 days, that we would have no adverse outcome from this incident. We promptly made the mortgage payment within 30 days of the due XXXX supporting document from our XXXX Checking account ending XXXX, shows the amount processed on XX/XX/XXXX notated in yellow ). We received documents from Fifth Third Bank the late payment had been removed, and the mortgage payment was processed before the 30-day mark. 

We had been searching for a new home to purchase. On XX/XX/XXXX, while attempting to obtain a preapproval letter from a financial lender, we were aware that a 30 day late on our mortgage had been reported to the credit bureaus by Fifth Third Bank. This has essentially devastated our credit score and halting our entire financial future. Upon contacting Fifth Third Bank customer service, they informed us that there was nothing they could do to resolve the oversight. We escalated the call to a supervisor while reviewing the situation with the supervisor and noting that the payment was canceled in error and reconciled within 30 days. He stated : " that's just something we tell people. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2021 I received a letter dated XX/XX/XXXX attempting to collect a debt for a XXXX  account. I have not held or owned a XXXX  account. I have attempted to contact Jefferson Capital regarding this mailing however they are requesting my social security number which I will not provide as I have been a victim of fraud and know that this is the tactics of collection agencies to try and assign debt when you give them your social. I have previously disputed this account with XXXX  along with other agencies by submitting a copy of the police report filed due to fraudulent activity against my social. This debt is not valid and they have failed to provide proof as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank charged XXXX in overdraft fees fradulently and then printed an altered statement and the the money was refunded as soon as I called corporate at XXXX the number on the receipt paper they gave from the tellers window and on my debit card and asked from the branch in XXXX at the corner of XXXX XXXX and XXXX XXXX roads system be changed by their internal IT people. This made my balance positive XXXX dollars and something including the pending XXXX Lyft charge be included and then I added a XXXX dollar tip making it XXXX dollars available and then they claimed today that a XXXX debit hold from the XXXX hotel I stayed at XX/XX/XXXX that was returned XX/XX/XXXX had just hit the account overnight but that should have made my balance XXXX dollars but they claimed the available balance ( because XXXX was somehow charged from XXXX to XXXX since yesterday is still pending but covered by the XXXX I put in yesterday to make the account positive the XXXX dollars after the fees were refunded ) was XXXX which is impossible to be accurate. Their computer systems need to be inspected because my statements have been altered and I have a receipt for a withdrawal of XXXX from XXXX on their atm that took my XXXX XXXX XXXX XXXX  XXXX account down to XXXX and change but their receipt says it made my preloaded unemployment card from Pennsylvania XXXX. I withdrew today XXXX and am about to put back XXXX so the account should be positive XXXX dollars but that is not what my receipts are showing. Can you investigate this please. And their camera surveillance footage because I was lied to and told the balance inquiry fee was XXXX by a woman at one of the desks for account services when my statements and on the phone it was said its XXXX. This statement occurred on XX/XX/XXXX in the morning. I have receipts that document this all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2021 I received a letter dated XX/XX/XXXX attempting to collect a debt for a PayPal account. I have not held or owned a Paypal account. I have attempted to contact XXXX XXXX regarding this mailing however they are requesting my social security number which I will not provide as I have been a victim of fraud and know that this is the tactics of collection agencies to try and assign debt when you give them your social. I have previously disputed this account with paypal along with other agencies by submitting a copy of the police report filed due to fraudulent activity against my social. This debt is not valid and they have failed to provide proof as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I have been trying to reach out to the 3rd party debt collector Spring Oaks Capital ( On behalf of/debt purchased from XXXX XXXX XXXX ) by mail so that a settlement resolution can be reached in writing. However Spring Oaks Capital has continued to call me over the phone where in my letter I expressed that I need to be reached via mail to a new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2021-04-07 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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