vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This is a response to Case XXXX. I did not respond because I was working on getting a lawyer  on the case. Nothing about the response said anything. The Comenity Bank response supported that they created 3 accounts on my credit in XX/XX/XXXX and are continuing to collect on fraudulent charges on the ComenityCB/HSN  account. They are doing this with harassing emails to my wife  who was just using our existing credit to purchase items from HSN. My wife   and I have **never** applied for any Comenity Bank credit and I stand by that firmly. I will not pay $ 2000+ for fraudulent charges on a fraudulent account when I know fraud occurred. I know someone was getting into my mail and I have not had any problems with fraud since I changed my mailbox key. I did file a police report. However, Comenity is directly at fault for the fraud. Comenity Bank has not yet showed evidence that I applied for the account but instead dodges the question. XXXX has supported the fraud. According to Comenity, after I disputed the charges end of XXXX with Comenity, they closed the account then opened a **new** account in XX/XX/XXXX. **I never asked for a new account**. Immediately, I closed the account over the phone via their automated system. The account was closed by XXXX  and XXXX but was never closed by XXXX. XXXX continued allowing Comenity to report status as if I was paying on it even though I had not paid on the account since we had the dispute end of XXXX. XXXX falsely reported late charges on the account end of XXXX. Since I stopped disputing with XXXX, they finally closed the account middle of XXXX like a slap in the face for trying. This is a case of identity theft, false reporting, intentional harassment, and unenforced consumer protection rights. I am not paying Comenity Bank for fraudulent charges on a fraudulent account. I have reported this to a lawyer. This has affected my credit and my ability to use credit for things I would like to use if for. This has affected my life and the lives of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX and I desperately need your agency intervention with my bank XXXX and XXXX XXXX On XX/XX/2019, I was on the XXXX  app and seen an XXXX XXXX for sale and offered {$400.00} for the phone and {$5.00} shipping. The seller accepted my bid and asked me to pay her through XXXX pay which I did. She told me she would send the XXXX out immediately priority mail once funds cleared. I used my BBVA debit visa card for this purchase. 

What happened next shocked me because the seller sent me an expired offer notice and kept my {$400.00} in funds. Would not answer messages sent and next she had the nerve to relist the same product to defraud more victims. I put a complaint about fraud into XXXX XXXX and they denied me could not believe this. Next, I filed a claim with BBVA my bank and they took 11 days to tell me my claim was denied. They said since I paid through XXXXXXXX XXXX  their hands are tied and that I'm out {$400.00}. This should be illegal banking practices as my card is protected by fraud. BBVA is the worst bank ever as they do not protect their consumers for fraud. 

I have emails, pictures, and evidence that I can provide your agency that clearly show this is a fraudulent transaction that must be covered by BBVA. I formally request your agencies intervention to assist me in getting my funds back as I'm on a fixed income. 

Thank you in advance for your time, consideration, and assistance in resolving this fraud. 

Sincerey, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lending Club Corp
State: AZ

Complaint narrative:
i received 2 letters of denials for a loan that i never applied for. i called their customer service line twice onXXXX and was hung up on both times before i could get any information about this loan. i then contacted them via XXXX on XX/XX/19 which continued into XX/XX/19 where i requested copies of the loan application and any recordings of phones calls pertaining to this loan application and the contact information for their corporate office to which they refused and insisted on me calling their customer service line which was of no help when i tried before reaching out via social media. i did advise of my situation in the conversation and they told me that someone may have used my personal information to try and obtain a loan however i received these letter at my home address instead of the person attempting to steal my identity address. i have continually monitored my credit since receiving these letters and have noticed no hard or soft inquiries from this company. in the letters they have indicated my credit score and information about accounts in my name that can only be provided from my credit report which leads me to believe that a 3rd party did not attempt to obtain a loan but they in fact applied on my behalf without my permission which is in direct violation of the fdcpa and since they are a publicly traded company im sure this sort of practice violates ftc and sec regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX is reporting failed to pay on a closed account on my Experian. The account has been closed since 2013, and its reported as a negative item now. As if I made a late payment yesterday. It a closed account and closed account should not show open balances. XXXX and XXXX are reporting it properly.

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 2019-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hard to include dates. Portfolio Recovery Calls at least 3 times a week. Today, a sunday!, called before XXXX XXXX. This time I answered. No one there. Clearly a robo call to harass. Never leave a message. One year ago asked them not to call, I was not person they wanted and that I was on do not call list. I hung up, the person immediately called back and said I was rude! Have been calling ever since then. Portfolio Collections evidently know how to bypass " nomorobo '', and do not call by changing their number. However on my cell phone I can stop them by blocking each and every call. Doesn't work at home. Have been calling for at least 2 years! Ignore or tell them not to call. Doesn't stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX And XXXX XXXX are both reporting on my Equifax report when the insurance company notified both companies to re submit claims that do not belong to me. The were removed from XXXX   report but XXXX XXXX is also on my XXXX   Report. They cant accept money from Medicaid and balance bill and re direct the bill to the parent. But its not o. My husbands report? I am only assuming the bill may be my dependent but I never received anything and Medicaid has resolved these.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Porfolio recovery has bought my debt And I getting consistent calls daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In XXXX, I filed a dispute through the CFPB as a collection with XXXX XXXX XXXX  for {$220.00} showed up on my report. It came out that the account is my brother 's, not mine. 

XXXX XXXX XXXX never sent me any information or verification on the debt, presumably because it is an account under my brother 's name, not mine, and they put it on my reports in error. The debt ended up being removed from my XXXX and Equifax reports, but now it has been reinserted into my Equifax report without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Based on past complaints this Freedom Mortgage has not been able to correct its predatory lending behaviors. 
1. ) XX/XX/XXXX Freedom Mortgage was notified in writing that out home was 100 % tax exempted and we asked the tax in escrow to stop being held. By Illinois state law from XXXX, XXXX XXXX ( S.B 1427 ). Freedom Mortgage did not comply with this law until XXXX of XXXX. * XX/XX/XXXX. 
A. ) The only corrected it from XX/XX/XXXX not XX/XX/XXXX, this issue is still outstanding. 
2. ) XX/XX/XXXX In speaking with Freedom Mortgage I was made aware of a unknown to the homeowners a Insurance policy from XXXX XXXX. *XX/XX/XXXX I called XXXX XXXX to find out about this additional above and beyond the insurance I already had. I was told by XXXX XXXX on XX/XX/XXXX that no such policy exists and has not existed. *XX/XX/XXXX I called back Freedom Mortgage and spoke to XXXX in the Insurance department where on their own recorded call. Confirmed that they had been collecting on this fraudulent policy, that they had in house paperwork showing that this policy had been cancelled from XX/XX/XXXX on a document she ( XX/XX/XXXX ) had received in XX/XX/XXXX. XXXX also went on to verbally confirm the company knowingly continued to take demand the monies to go into escrow for a non existing policy. XXXX also stated very clearly that they would continue to demand the funds irregardless of insurance policy or not. 
A. ) Freedom Mortgage force placed a {$1900.00} insurance policy to cover for the time that the did not actually have the fraudulent insurance they placed on the house. I was told by XXXX who is a special associate that this would not be the case that they would assume the cost since it was their mistake. I will be sending formal complaints to Illinois Division of Insurance Licensing with a request that this company be barred from working in the state. 
B. ) We are working with a lawyer provided by the VA to help us if this is not resolved within 30 days C. ) All Insurance and late fees because of this need to be removed since they are trying to collect on a fraudulent DEBT. 


This company has a history of not following Federal and State mandated laws in regards to fair housing and mortgages.

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 2019-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX has bought my debt And I getting consistent calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: NC

Complaint narrative:
The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.

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 2019-07-14 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: NC

Complaint narrative:
The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX  XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: NC

Complaint narrative:
The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.

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 2019-07-14 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: IN

Complaint narrative:
I have sent Equifax several letters asking the company to dispute items that are 10 years old or older. I again have received a letter back saying that I indicated fraudulent items which is incorrect. I sent letters asking to dispute student loans that are on my credit which is causing my score to be much lower than the other reporting agencies. This company is constantly giving me the run around when I write them to dispute items on my credit. Something is seriously wrong with this company and I would like a full investigation done on how the company complete request from consumers and how their computer system randomly select questions that apply to a consumers personal credit files. In my case the questions are incorrect which hinders or Interfere with my rights to get information corrected. My score is very low and it I need help with this company because they seem to be purposely interfering in my disputes. I am uploading another letter that was sent to me which has nothing to do with the letters I sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
My mortgage with XXXX XXXX was modified under the Home Affordable Modification Agreement on XX/XX/XXXX after around five years of paying my mortgage to XXXX XXXX, XXXX XXXX sold the servicing of this note to Specialized Loan Services. Since then I have only had issues such as charges of {$52.00} a month because they were stating that on the there was a grace period ( couldn't tell me how many days ) and a charge of {$52.00} was needed to be charged. I talked to several people in the department beginning late XXXX of this year, then I was told to send them the note I was referring to, which I scanned and sent to XXXX ID # XXXX in XXXX. Later on I received a letter asking me to send the note again. I called and spoke to someone in the Bankruptcy department and was told the same thing. I then received an old note from XXXX XXXX before I filed Chapter XXXX Bankruptcy, I did not affirm the old note at the time since I went through a divorce and could not afford payments of over {$2000.00}, being the reason of bankruptcy. I was directed to speak and receive help XXXX XXXX and dealt with XXXX XXXX for over a year, in which they lost documents constantly so I thought I was going to lose my house and one day I received a letter of being accepted in Home affordable Modification Program. Furthermore signed the agreement I am sending you for your records. 
I called XX/XX/XXXX and spoke to XXXX ID # XXXX and XXXX ID # XXXX. Both rude asking and demanding I pay on time and have refused to transfer me to their bankruptcy department and have told me the payments I have made will not reflect the mortgage payment and will get lost in the system. The reason I couldn't pay by the beginning of the month is because I was an independent per diem federal government court interpreter and was out of work due to the shut down. I caught up and have been paying every month but not by the first and as soon as I have gathered all money before the month ends I sent payment with the additional late fee. At this time I have no solutions but to write and send you the existing modified agreement for you review.

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 2019-07-14 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
This issue concerns a Target REDcard credit card that gets fairly infrequent use. After paying off the account balance in XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance. 

On XX/XX/XXXX, Target reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ). 

I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ). 

The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on Target for allowing their card servicer to behave in such a customer-hostile manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: TX

Complaint narrative:
First credit services called me to inform me of the debt to XXXX XXXX XXXX, I agreed to pay the settlement fee of {$140.00} the day I tried to pay it I gave all my account info to the representative he then stated he had to redirect me to another representative and they said I would have to give them all of my account info all over again but with another representative I then explained to them that something wasnt right and I wanted something in writing validating the debt a letter, a bill, or a statement to show who they are the balance of the debt the settlement amount they never sent anything in writing a couple of other times they would call I explained I would take care of the debt as soon as I got something in the mail from them. Im not sure why I'm having such a hard time I believe I should have rights in obtaining something in writing from this collector

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed Chapter XXXX Bankruptcy on XX/XX/2017. My XXXX hearing was XX/XX/2017 and my Bankruptcy was discharged XX/XX/2017. 
XXXX XXXX XXXX was one of the debts discharged in my Bankruptcy and while all of my discharged debts are reflected correctly on all three bureaus ( 0 balance and IIB ) Transunion is showing the discharged debt to XXXX XXXX XXXX as a 0 balance but as " Charged Off '' and NOT as " Included in Bankruptcy. '' XXXX  and XXXX both list the discharged debt as IIB. 
I'm hoping to be able to resolve this through your agency.

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