vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-22 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: MD

Complaint narrative:
In XXXX, I purchased a large item from XXXX XXXX. Comenity Bank is their finance company. I made regular, on-time monthly payments toward the purchase. 
On XX/XX/XXXX I sent a {$200.00} payment to Comenity, ; check # XXXX. 
I received a bill from XXXX XXXX stating that I still owed the {$200.00} along with interest charges and a late fee. I called and spoke to someone in customer service in early XXXX and wrote a letter on XX/XX/XXXX stating that according to their customer service rep, that they show no record of receiving the payment for {$200.00}. However, I explained in the letter that I checked with my bank and the check cleared on XX/XX/XXXX through their bank. I asked them to please remove this owed amount from my account including the added interest charges and late fee. 

On XX/XX/XXXX I received a letter that they are looking into my claim. I sent them documents as proof of the deposit i.e. copy of both sides of the check, the routing # 's etc. 
They sent me a letter dated XX/XX/XXXX that they were unable to verify that the bank had received these funds and that they have concluded their investigation. 

I sent them a letter on XX/XX/XXXX demanding that they figure this out. They sent me a letter on XX/XX/XXXX stating again that the investigation has concluded. 
They proceeded to send me a bill for {$260.00}. 
On XX/XX/XXXX I sent a payment for {$67.00}, the accrued interest which I did not owe, in the hopes that they might leave me alone about the original {$200.00} that I had already paid. 
Since then I have received frequent texts, emails and another bill as of yesterday in the amount of {$200.00} as my total balance due. {$200.00} is the original amount I had already paid and now they are still asking for the {$200.00} and more interest charges. 
I will be glad to provide you with all documentation required if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ

Complaint narrative:
I'm a victim of an illegal foreclosure. 

I'm supposed to evicted on XX/XX/2020 Attached is the illegal process that have taken place. Also attached is sheriff deed and statements from the attorney 's. No one will submit proof that my house was paid for at auction or any time afterward. The only statements that the attorney 's and sheriff will say is that a highest bidder won the bid. I've requested proof from the sheriff and the bidder that my house was paid for. So far as up to date no one has submitted proof or signed a certified affidavit to verify that my house was paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Mon, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX - {$670.00} XX/XX/XXXX XXXX XXXX - {$140.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$43.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - {$29.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - {$41.00} XXXX XXXX XXXX XXXX - {$40.00} XXXX XXXX XXXX XXXX - {$12.00} XXXX XXXX XXXX XXXX - {$21.00} XXXX XXXX XXXX XXXX - {$39.00} XXXX XXXX   XXXX XXXX - {$49.00}. 
They send me an email with the resolution of my dispute ( s ) above We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error.

You can still try to resolve this directly with the merchant ( s ). 
Transaction on XX/XX/XXXX, Im was in XXXX CA even they can see the withdrawal that I made and I didnt made it. 
The XXXX transactions are relatives to who had hacked me on my accounts adding that I was out of town when this transaction occurred. My device is no longer with me as well attached support documents such as my entry registration and the authorization of 07 days on the immigration form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

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 2020-03-22 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: NY

Complaint narrative:
( XXXX XXXX XXXX XXXX  ) can not be validated. However, Equifax currently reports XXXX XXXX XXXX XXXX  as updated and verified. A violation. Back in XXXX of 2020 I sent XXXX XXXX XXXX XXXX a validation request. As of today XX/XX/2020 I have not received a response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Loan payment is ridiculous. The interest charge is 90 % of the monthly payment. Interest rate is unstable with 16 % or more. The lending company is Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: CA

Complaint narrative:
I contacted trans union on XX/XX/2020 and again today XX/XX/2020 spoke with XXXX XXXX supervisor  in fraud department and special services. I call to dispute and remove this incorrect collection item remove from my credit file. This item does not belong to me. XXXX XXXX XXXX {$5800.00} Needs attention HIGH IMPACT XXXX XXXX stated to me I will not dispute this item and proceeded to ask and I quote " Do you have an account with another creditor XXXX XXXX. After XXXX XXXX ignored my request i stated my request for the second and third time this item does not belong to me. XXXX XXXX finally stated he would dispute item as not belonging to me with confirmation number XXXX.This creditor has not validated or provide me with these items I request any of the following : 1. Full accounting for this account. 2. Copy of the assignment of purchase from the creditor 3. Every charge and what was purchase, fee.payment, credit, interest 4. How you calculated what you claim I owe 5. ( Fields v. Wilber Law firm-Coppola v Arrow Financial Services ) 6.Full chain of assignments from charge off to present 7.Proof that you own the debt with full clear title 8.Proof that you were on the original contract

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 2020-03-22 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: IL

Complaint narrative:
I sent it a dispute letter on XX/XX/2020 filing a complaint on inaccurate information reporting on my credit report to all three bureaus. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract. Under federal law, they have thirty days to complete the investigation and I received no reply. 

On XX/XX/2020, I sent a letter as a formal notice of my intent to file a complaint with the FTC reminding them that Under federal law, they have 30 days to complete the investigation, yet they have failed to respond. 

This is a violation of my rights and I am not able to move forward with my life with these inaccuracies on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent it a dispute letter on XX/XX/2020 filing a complaint on inaccurate information reporting on my credit report to all three bureaus. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract. Under federal law, they have thirty days to complete the investigation and I received no reply. 

On XX/XX/2020, I sent a letter as a formal notice of my intent to file a complaint with the FTC reminding them that Under federal law, they have 30 days to complete the investigation, yet they have failed to respond. 

This is a violation of my rights and I am not able to move forward with my life with these inaccuracies on my report

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 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The company does not allow changes to be made to autopay of the mortgage online. I called and there is nobody available to remove these automatic payments. This is not the first time I have this problem and there has never been an explanation for why automatic recurring payments for mortgage can't be cancelled or modified online.

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 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Last 4 digits # XXXX When this card was under XXXX i struggled, i contacted them through mail so many times, i got rid if my phone and it was only way, they worked with me a bit but i work a XXXX  job we have a few unpaid vacations so i tend to fall behind. Well new company took over and i been writing them, i need help, any help i could get. I've been thinking about filing bankruptcy or doing a debt consolidation because i can not afford these payments. But reason for why I'm writing today is because of the Corona Virus i have lost my job and im begging this company to please work with me because i have no money st this time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
this is in reference to complaint # XXXX. Where as I told by CFPB notifield me that SageStream LLC refusal to answer complaint. this is no surprise because SageStream refuse to answer request for a copy of my Consumer report and to put a freeze on my credit report. Still to this day. I submitted a forth request via certified mail # XXXX that was signed and delivered to the company on XX/XX/2020. When this complaint is forwarded to Sagestream it will be followed by a lawsuit being delivered to there registered agent and they will be able to answer for there transgression in a court of law where i I will sue for damages as I am able to do under the FCRA. I dare them to not answer that complaint when it is delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
My problems originated in late XXXX - early XXXX. I was struggling financially and had defaulted on a credit card with XXXX XXXX XXXX. I was served papers on XX/XX/XXXX from Superior Court of XXXX County Georgia ( Civil Action File # XXXX ) informing me of the Civil Action filed against me by the now defunct XXXX XXXX XXXX XXXX XXXX, XXXX. of XXXX, Georgia XXXX. 
I settled this issue in person at the offices of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/XXXX for the sum of approximately {$5000.00}. While in the office, I was informed of another Civil Action they would soon be filing to collect approximately {$800.00}. I returned to their office on XX/XX/XXXX and settled this debt. 
On XX/XX/XXXX, I again received a notice of attempt to collect the above listed debts from the Office of XXXX XXXX XXXX at the same address listed above. I contacted their office by phone and explained these debts were paid in full. Sent them copies of the settlement letters I received from them on XX/XX/XXXX & XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I again received a notice of attempt to collect from the office of XXXX XXXX. I called the office and advised them the debt was settled and reminded them of the email sent on or around XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I received a notice of attempt to collect. However, this time, it was sent from the Office of Cooling & Winter XXXX XXXX XXXX, XXXX, Georgia XXXX. Mr. XXXX  & Mr. XXXX  are Mr. XXXX XXXX XXXX and Mr. XXXX XXXX. XXXX. They are both listed as Defendants along with Mr. XXXX XXXX XXXX in Civil Action Case # XXXX filed in the U.S. Court for the Northern District of Georgia , XXXX Division dated XXXX. Also working at Cooling & Waters are ; Mr. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All who are former employees of XXXX XXXX XXXX XXXX XXXX at the time of the above Civil Action. I called their office and asked for Mr. XXXX or Mr. XXXX to personally return my call. To date I have not heard back. 
On XX/XX/XXXX, I have again received a notice of a judgement against me. They are Knowingly attempting to collect a debt that was settled 12+ years ago with threats of a property lien or garnished wages. 
This matter has gotten very aggravating and needs to end.

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 2020-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I use paypal like countless other americans. Everytime I receive a payment though, paypal holds my money from me with no explanation or reason. I call the company and they tell me that all I need to do is link a bank ( which I can not because my account was hacked ) or to get a paypal prepaid card. I have a valid prepaid card in my possession. The card number is XXXX XXXX XXXX XXXX. I received a payment from a regular customer. They are holding my money AGAIN. I'm sick of it and I want something done about it this time. This is at least the 10th time they have done this. With the COVID-19 scare, I need my money. They completely shutdown and do not resopnd to messages for several hours if at all. I am tired of this service but have no choice because thats how my whiny clients want to pay. I need my money to help a loved one affected by the virus and Paypal continues to play games with me. At this point, be warned that I can not be held responsible for what happens if my loved one dies and my money not being accessible was the reason why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Services
State: TN

Complaint narrative:
Made pants to XXXX XXXX XXXX co for consolidation to a servicer in the amt of {$47.00} in 2014. Relating to the XXXX 0 plan. I was told that my pymt was going to the dept of ED but yet nothing was applied to my school loan. When questioned, they said the money was ONLY to the servicer as a fee to show my account as being pd for an amt of time.XXXX was the number I called. More like a forbearance pymt, I think. It started in XX/XX/XXXX! Said it was with XXXX. No money was ever applied to my account during that time. Now 13 years after my initial loan of {$12000.00}, I still owe {$9000.00}!!! But have been making regular pymts to attempt to get this resolved! Help!

Company response to consumer: Untimely response
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
its been 60 days now with no response from the bureaus which is just complete disregard for the law by not responding my consumer disputes. I hope that this will be the last time they completely ignore and disregard my requests.

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 2020-03-22 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: ECMC GROUP, INC.
State: VA

Complaint narrative:
I sent a dispute letter to XXXX regarding 8 accounts totaling {$48000.00} reported by ECMC of dates of these account opening on XX/XX/XXXX. I informed them that I had no knowledge of opening these accounts on or around that time. XXXX  responded back with a copy of my credit report indicating when these accounts will be removed on XX/XX/XXXX however they did not fully investigate that these accounts are associated with old accounts from XXXX and ECMC re-aged the accounts to XX/XX/XXXX as well as XXXX XXXX, XXXX XXXX, and XXXX  re-aged the same debts during the transfer from one office to another.

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