vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 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: NC

Complaint narrative:
I spoke with Comenity Bank on XX/XX/XXXX and was offered a settlement amount of {$330.00} which would settle the account. I paid the {$330.00} on that day. A few weeks ago I received a letter from XXXX XXXX XXXX stating that there was a balance of {$240.00} being reported by Comenity Bank. I contacted Comenity Bank on XX/XX/XXXX asking about this. I was initially told that there was no record of the account being settled nor no record of a payment made for {$330.00}. After me being persistant they finally stated that they did see the payment of {$330.00} made on XX/XX/XXXX but that they didn't see where it was noted that it was a settlement. The final rep that I spoke to on that day stated that although what I said made sense that the phone call would have to be pulled in order confirm what was discussed and in order for that to happen I would have to request in writing, to Comenity Bank, that I would like this call reviewed in order to confirm what was said on that call. I mailed the correspondence that was requested. I was advised today that I would have to have a subpoena to have the called pulled in order to confirm what was told to me. I was also told that I would now have to contact XXXX XXXX to dispute this info. I am not asking for any phone records for myself. I am only asking that they do what they said they would do internally and pull the call internally to confirm that the account payment was in fact offered as a settlement. I am not asking for them to provide the record to me so I don't understand why a subpoena would be needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My husband and I have a joint checking and savings account with PNC Bank. My name is also on my son 's account at the same bank. On XX/XX/XXXX the bank took all the money from my husband and my joint savings account to cover an overdraft in my son 's account. We had no warning this was going to happen, they just took it. When I discovered the situation we contacted the bank and were told they could take the money from our account just because my name was on both accounts. I am not allowed to remove my name from my son 's account either. He lives in California and we live in Maryland. I don't feel they should have been able to take the money from an account that had my husbands name on it as well and not connected to my sons, other than being at the same bank. The bank response was oh well. The amount was significant, {$800.00}. IT completely wiped out our savings account. Why would you continue to cover my sons overcharges, don't pay them!!! Taking the money from our joint account doesn't teach him anything, especially when we have no control over it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: VA

Complaint narrative:
ON MY EXPERIAN CREDIT REPORT THERE ARE ITEMS THAT I HAVE DISPUTED AND I WANT TO KNOW HOW EXPERIIAN VERIFY THIS ITEMS IN QUESTION. GOING THROUGH MY DISPUTE AFTER THE FACT OR AFTER MY RESULTS NOTHING WAS CHANGED OR UPDATED CORRECTLY. SO THEREFORE I AM REQUESTING THAT EXPERIAN SEND ME COPIES OF DOCUMENTS THAT THEY HAVE ON FILE .AS OF THE DATE YOUR COMPANY VERIFY THE ACCURACY OF THESE ACCOUNTS. UNDER THE 611 LETTER I AM REQUESTING A DETAILED BREAKDOWN OF THE THREE SEGMENTS OF THE METRO 2 REQUIREMENT INCLUDING THE HEAD RECORD CONTAINING 18 FIELDS WHICH ENSURES THAT THE INFORMATION WAS IDENTIFIED CORRECTLY BY YOUR BUREAU THE BASE SEGMENT CONTAINING 49 FIELDS WHICH PROVIDES THE SPECIFIC ACCOUNT INFORMATION FOR ME. THE TRAILER RECORD CONTAINING 47 FIELDS WHICH SUMMARIZED THE DATA SUBMITTED TO YOUR BUREAU SPECIFIC TO MY PARTICULAR FILE.

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 2020-03-16 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: TN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60-90 ) days late on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-16 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: TN

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60-90 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a police report and a medical report that proves that I was in the hospital undergoing treatment during the time that someone made fraudulent charges on my account. 

Bank of America refuses to accept my paperwork in branch ( XX/XX/2019 ), I have been attempting to get someone to review the fact that I was not even awake or conscious during the time of these transactions. 

Fraud Charges : - XX/XX/19 - XXXX XXXX XXXX XXXX - {$1300.00}

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 2020-03-16 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: CA

Complaint narrative:
Capital One Auto accessed my credit card information for a " pre-approved '' auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-03-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-03-16 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first time home owners program because I needed help with the process. They pulled my credit to see were I was standing with my score. As they reviewed my report they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-03-16 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first time home owners program because I needed help with the process. They pulled my credit to see were I was standing with my score. As they reviewed my report they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I spoke with XXXX XXXX on XX/XX/XXXX and was offered a settlement amount of {$330.00} which would settle the account. I paid the {$330.00} on that day. A few weeks ago I received a letter from Midland Credit Management stating that there was a balance of {$240.00} being reported by XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX asking about this. I was initially told that there was no record of the account being settled nor no record of a payment made for {$330.00}. After me being persistant they finally stated that they did see the payment of {$330.00} made on XX/XX/XXXX but that they didn't see where it was noted that it was a settlement. The final rep that I spoke to on that day stated that although what I said made sense that the phone call would have to be pulled in order confirm what was discussed and in order for that to happen I would have to request in writing, to XXXX XXXX, that I would like this call reviewed in order to confirm what was said on that call. I mailed the correspondence that was requested. I was advised today that I would have to have a subpoena to have the called pulled in order to confirm what was told to me. I was also told that I would now have to contact Midland Funding to dispute this info. I am not asking for any phone records for myself. I am only asking that they do what they said they would do internally and pull the call internally to confirm that the account payment was in fact offered as a settlement. I am not asking for them to provide the record to me so I don't understand why a subpoena would be needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have written Experian and submitted online disputes regarding incorrect information on my credit file. I even purchased a subscription and that is a total waste of money. I filed disputes with all three credit bureaus and Experian is the on credit bureau that is not removing the inaccurate information. I spoke to a XXXX today and he told me that Experian was not removing the incorrect addresses because they are being reported by creditors. This is very pathetic that I have to keep going through this.

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 2020-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
After watching the ads by XXXX XXXX XXXX. about their allegedly all purpose efficient satellite internet service, I decided to engage their services by contacting them online. A technician arrived on XX/XX/XXXX to install a satellite dish and a modem. Then he made me sign on a blacked out tablet twice allegedly to confirm that he was there to install the equipment and that I was satisfied with his service. To my dismay as soon as he left I found out that the internet streaming service by XXXX is unusable for my subscriptions to XXXX XXXX XXXX and XXXX being interrupted every few seconds with buffering and pixilating images. This was not corrected despite my calls to their help technicians for five times. At last one advised me to watch my movies only from XXXX XXXX  to XXXX XXXX. I tried that but that didn't work either. I tried to wait until XXXX technicians could finally solve this problem. But by XXXX week of XXXX, I have had enough and immediately sent a certified letter dated XX/XX/XXXX and received at their main office as of XX/XX/XXXX. Thereupon I went into my account and instructed Capital One XXXX XXXX that I was disputing all of the collection charges by XXXX XXXX XXXX. Over the course of about two months from XX/XX/XXXX to the present, there had been series of messages between me and Capital One with that company crediting back to my account the charges of XXXX XXXX but later putting them back as collectible dues after that company serves them the usual contesting messages citing a contract that tied me to their service for two years. I did not sign that contract which was simply sent to me via e-mail and I believe my signature on a blacked out tablet was gained through subterfuge and fraud. And yet, Capital One consistently sides with XXXX XXXX. My position is that the transaction is void because of failure of delivery of satisfactory service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I reached out to the following companies and submitted documentation of the following : Paid in full- XXXX XXXX   Account is requested to be removed Based on companys request. ( XXXX XXXX/XXXX XXXX ) Balance/account paid- XXXX XXXX -XXXX XXXX/XXXX  account fraudulent account.

I reached out to XXXX, Transunion and XXXX  and supplied appropriate and supporting documentation. Letters from each company requesting items to be removed and items paid. To date, they keep saying account verified. How can this be verified when the I have letters showing account paid.

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 2020-03-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, We have a Bestbuy Visa card that is by Citibank. We usually pay our entire statement balance in full. The last month we paid in almost full except {$120.00}. Bestbuy/Citi is charging {$44.00} in interest for one month, that is over 30 % interest for one month! This is more than 10 times higher than the agreed upon APR of the card. I called the customer contact number on the statement and they couldn't walk me through the calculation that gets this specific interest amount for one month. Between the agent and supervisor they mentioned several different interest percentages but none add up to this amount. I asked for a reference number of the call, the employee supervisor could not provide this. They provided their ID, which is XXXX, and name XXXX. The call with them ended on XX/XX/XXXX at XXXX XXXX CST. 
Thanks, 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 2020-03-16 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I took a taxi in XXXX XXXX  XXXX, used my Chase Sapphfire Reserve credit card and was charged {$1100.00}. This was fraud as the taxi ride was only {$11.00}. I have submitted two fraud claims to Chase, both being denied due them stating the transaction was valid, as my card was used before and after for valid transactions and my chip was used. I did not authorize the amount of {$1100.00} for this taxi ride. Please help me get this fraud claim approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax failed to protect my critical personal and financial information during the their data breach. I was not notified directly by the company in a timely manner. 

I had a freeze on all 3 agencies due to previous breaches by medical payment centers. I can easily lift a freeze temporarily or permanently with XXXX  and XXXX. 

Since their breach Equifax is demanding copies of information to confirm my identity. This is information they should have to reestablish without asking me to help them rebuild my account and possibly compromise personal information in the process. My financial life became totally on hold when I tried to lift the freeze to apply for a mortgage today, XX/XX/2020. 

Consumers have NO CONTROL over the credit reporting agencies, but they have control over what they collect. It is really frightening to realize I NOW have to have a credit freeze to protect myself from Equifax!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX  XXXX XXXX {$2300.00} XXXX   XXXX XXXX {$970.00} XXXX   XXXX {$0.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$120.00} XXXX  XXXX {$260.00} US DEP ED XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I took out a mortgage with XXXX XXXX and the loan was sold to NewRez aka Shellpoint Mortgage Servicing. I made my first payment to Newrez XX/XX/XXXX. In XXXX I received the attached letter pertaining to my escrow account ( see attached ). 
My complaint : XXXX did not require a " cushion '' per my signed mortgage agreement NewRez does require a " cushion '' ( a very big one ). Since Newrez purchased the loan from XXXX how can Newrez require me to pay them a " cushion '' when it is not in the loan agreement I signed and they purchased from XXXX? I have no signed agreement with Newrez so don't they have to comply with what the XXXX loan states?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation