vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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: OR

Complaint narrative:
In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. XXXX account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. Comenity bank I had a torrid credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed my secured card account because one of my bank accounts closed. Once a payment was reversed from the closed account, I made a payment from my other bank account that I have been making payments from, I am not sure why they would abruptly close my account. 

they provide this : Dear XXXX XXXX XXXX, We're closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. 
Please stop using this account immediately and destroy any cards and checks associated with it. Also, you should update any recurring payments being charged to this account, including gym memberships, subscriptions to online streaming services, etc. 
You're still responsible for paying any remaining account balance and will continue to receive billing statements until the balance reaches zero. 
If you have questions, please call us anytime at XXXXCAPITAL ( XXXX ). 
Sincerely, Capital One EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX, DC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I sent a letter of Validation, Cease and Desist, Invoice and Affidavit of Truth And Facts XX/XX/2020 with Signature and Return Confirmation to Mercedes Benz Financial Services. 

Mercedes Benz Financial Services did sign for the package on XX/XX/XXXX at XXXX. 

Mercedes called and left a message XX/XX/2020 which is a violation of the Cease and Desist. 

Mercedes has not sent any correspondence via mail in regards to my Validation, Invoice or Affidavit of Truth

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express National Bank stole {$400.00} XXXX {$300.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VALLEY CREDIT SERVICES, INC. (WI)
State: MD

Complaint narrative:
they claim my hospital bill was not paid. i got a copy of my bill from XXXX XXXX XXXX and the bill say XXXX  owe. This is a charge off debit. When i checked the company address it is different from website plus a p.o. box address. I had medical insurance which the bill was sumbitted to XXXX and Valley Credit Service refuse to take it of my credit report. The name the bill is from is XXXX XXXX XXXX. XXXX  XXXX XXXX, md XXXX for hospital say on XXXX to XXXX billing me for XXXX. Since my dispute they have changed there address to XXXX XXXX  XXXX XXXX, va XXXX phone number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-09-02 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: UT

Complaint narrative:
Capital One acct # XXXX Is reporting an account on my credit file that is not mine. I requested to be removed off this account a long time ago. I never signed any documents to be added on this card and it was in error. I am requesting for this account to be removed off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 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:
I was able to get the payments lowered. However, I had lost my job after separating from my spouse leaving me having to get an apartment for my children and myself. I contacted the company with this information that I did not have any incoming money to make payments at that time. I had enough money to pay rent by using my 401k. Then COVID-19 happened and I didnt start work right away. When the divorce was finalized and my lawyer was paid and the house was sold, I went to pay off the card and it no longer showed up for payment. I did not receive any letter indicating the account was sent to collections or the card company was going to send to collections of payment was not received. Now there is a derogatory indicator on my credit report because of the card company failing to work with me in my situation. I planned on paying off the card once the funds were available from the house sale. Therefore ; the information is poorly reported by the card company. At the most a negative report but not derogatory. I didnt refuse to pay I just could t pay at that time. The company was aware of this respectfully.

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 2020-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  XXXX acct # XXXX Is reporting an account on my credit file that is not mine. I requested to be removed off this account a long time ago. I never signed any documents to be added on this card and it was in error. I am requesting for this account to be removed off 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 2020-09-02 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  XXXX acct # XXXX Is reporting an account on my credit file that is not mine. I requested to be removed off this account a long time ago. I never signed any documents to be added on this card and it was in error. I am requesting for this account to be removed off 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 2020-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Trans Union by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. This was my second request. They closed the dispute and said it completed and information had been verified and updated in my file. The first company listed on the letter received back from them, and which was also included on my dispute letter is XXXX XXXX XXXX. Trans Union didn't provide any proof of contract with myself and XXXX XXXX XXXX as requested, and closed the investigation as verified and updated. The second company which is listed TWICE on my credit file is XXXX XXXX XXXX. Trans Union updated the Loan Type, Date updated, and Remarks and closed the investigation as verified.The third company is XXXX XXXX XXXX. TransUnion said in the letter that this was verified as accurate. The final company is Fair Collections and Out. Trans Union stated this was verified as accurate, and stated other information has changed and closed the investigation. I have attached the letter that was sent to them in which I requested proof of contracts between myself and the companies listed above or deletion of this derogatory information in my credit file, as well as the investigation results they have provided which were unrelated to my dispute!

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2020, I paid off my Bank of America AAA credit card. I paid the balance off and in full. The balance was {$2900.00}. 

When I got my statement which was for the period XX/XX/XXXX - XX/XX/2020, it had an interest charge of {$30.00}. The date of the interest charge was XX/XX/2020. 

I talked to customer service but I still do not understand how if I pay the balance off in full, they can continue to charge me interest.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XX/XX/2020 A Force Post Debit Amex Epaynent of {$1100.00} overdrew my XXXX XXXX  checking account by XXXX they refuse to fix i am XXXX yr old with health problems can not get my meds, food, etc dire straights need help asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortage was sold by XXXX to XXXX/Loancare last year. I received a notice from my homeowner 's insurance company in XXXX stating that my premium had not been paid. I contacted XXXX XXXXLoancare customer service department to ensure they had my insurance company 's information. I was assured at that time that it would be paid promptly. I then received a notice in XXXX stating that my homeowner 's insurance had been cancelled due to lack of payment. I then tried to contact XXXX XXXX by phone several times and have never been connected to a live person, but instead am sent through the endless, frustrating automated phone system which doesn't offer an opportunity to leave a message. I have subsequently sent three emails to the customer service department and have never received a response. As a result, I have had to pay the {$960.00} homeowner 's insurance premium out of my pocket which has created a terrible financial hardship for me. I have checked my escrow balance online and the money is there, they just won't pay! I am at my wits end and have never, ever been subjected to such a frustrating, unprofessional experience in my life. What are my options for getting my money back from this terrible excuse for a mortage company?

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 2020-09-02 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: CB1, Inc.
State: UT

Complaint narrative:
CB1 Collections is reporting an account on my credit file that I do not owe. I knew nothing about this debt until I recently checked my credit report and noticed this debt. This debt should have never gone to collections and I don't know why it's reporting but it needs to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Is it your policy to LIE to consumers in order to get them to pay you? 
There are laws to protect consumers like me I guess I will remind you of them now. 

FDCI SUB SECTION 807 STATES.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : FDCI SUB SECTION 808 STATES A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I should not have to remind of you of this since you are debt collector If you choice to ignore me again I will contact my lawyer and take action i have no problem suing you over this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I am a victim of ID theft. I have been battling this ID theft since XXXX. My credit report stays frozen to prevent new fraud, however I suspect for this type of service XXXX does not actually check credit reports to authorize service. 

On XX/XX/XXXX I mailed my standard fraud packet to Enhanced Recovery, which I am very accustomed to doing as new utility and medical accounts pop up on my credit report from time to time. This was sent via USPS to there XXXX XXXX XXXX in XXXX Florida. 

On XX/XX/XXXX I noticed this account was still on my credit report and I had not received any communications back from ERC. I placed a phone call, explained the nature of my call and provided the representative with my full social security number. He located my account and confirmed the balance was for a collection account outside of my home state of California. I explained that I had sent out a fraud packet and expected this account to be swiftly removed from my credit report. He deferred me to XXXX  and stated they would not remove anything from my credit report without specific instructions from XXXX. I advised him that Enhanced Recovery is the entity on my credit report and not XXXX, and therefore the company breaking the law and perpetuating abusive consumer practices is ERC. 

Not intending to argue, I reached out to XXXX  as advised by the Representative at ERC. He even provided me with XXXX account number as XXXX. I explained to the XXXX  representative my situation, and he proceed to attempt to look me up using the alledged account number provided to me by ERC. He stated he was not able to find any account using the information provided. I advised him ERC found the account using my social security number, and he then proceeded to search using my social. He still found nothing. Very frustrating, as I had advised him I am in the middle of refinancing my mortgage to take advantage of the historic low rates, and I may be losing out on this opportunity thanks to there complete and utter incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I sent a letter of Validation to Great Lakes XX/XX/2020. XXXX an agent signed for the letter XX/XX/2020. Great Lakes has not responded to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
There are 2 accounts from 2 different Toyota loans that have been paid in full payments were made on weekends and company systems did not reflect the weekend date which is unfair to me as a consumer when paying before the 30-60 day mark they have reported XX/XX/2016 on both my report and my husbands report late 60 days under this account XXXX XXXX and also are reporting 2 30 day late payments on the newer loan this is severely hindering us to refinance due to covid I am asking they please remove all late payments both loans are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
I initiated a Refinancing Transaction with PennyMac Loan Services , LLC on XX/XX/2020, to refinance my current mortgage with them. 

An appraisal report was performed on my house and PennyMac told me that they will not move forward with my application because the appraisal report shows that my front steps need repair. This is the reason why I am going through the refinance so that I can have some funds to repair my front steps. 

This was not disclosed to me upfront by PennyMac that they will not move forward with my refinancing when I contacted them on this refinance transaction. 
Therefore, I withdrew my application and moved forward with another Mortgage Company. 

I have been requesting from PennyMac for 2 weeks now the XML file of the Appraisal Report, a copy of the invoice, and a copy of the Paid Receipt which I paid for using my VISA Card. 

The Mortgage Loan Originator from PennyMac Loan Services , LLC NMLS  : XXXX who I have been requesting this information is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, XXXX, CA XXXX. His Direct Line is XXXX XXXX XXXX XXXX and his email address is XXXX. Branch NMLS # XXXX and Corporate NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: WI

Complaint narrative:
I took out a loan of {$500.00} in XX/XX/XXXX. In XXXX of XXXX, one payment needed to be deferred and asked to be placed on the end of the loan. What was not explained was that this would cause the loan to be tripled, and in fact stretched out until XXXX of XXXX. I reached out to ask how was this possible, and that I had already paid almost three times the loan back. I was then explained that my loan was not through Spotloan, rather another company titled XXXX XXXX XXXX. 

This was never explained to me as well. I feel that Spotloan and XXXX XXXX XXXX  are utilizing unfair, deceptive, and abusive acts and practices. We are in the middle of a pandemic, and most citizens ( like myself ) have to choose between working and home schooling children. I am okay with paying what is owed but to extend a loan for 5 more months because of one payment deferral is insane. In addition, I apparently have a loan with a company I never agreed with or knew I was borrowing from. I've asked for calls back and they keep saying someone from their " legal team '' will call me but never have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX  XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXXLoan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX  - Loan Amount {$0.00} XX/XX/2020.

Company response to consumer: Closed with explanation