vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I have a garnishment in place from Bonneville Billing and Collections. They called me offering a Payment Plan. The amount they quoted me in no way reflected the total amount of the garnishment minus any of the amounts withheld from my paychecks. The collector couldn't adequately explain to me how they got to the total they were quoting me. They stated the reason they were offering the plan was due to them receiving notice from my Payroll that I had been terminated. Once I advised them this was not true, they immediately reversed their offer to place me on an affordable Payment Plan. The collector misrepresented himself as the owner of the company and was condescending and would talk over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: FL

Complaint narrative:
There are numerous inquiries listed on my credit report that were not initiated or authorized by me. This was a result of malpractice or an error.

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 2020-11-24 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: TX

Complaint narrative:
In the response to my original compliant, Sequium Assest Solution response was Sequium Asset Solutions , LLC is a collection agency representing XX/XX/XXXX XXXX University in association with a collection claim on original account number ending in XXXX ; our account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. The account has been placed in a disputed status and verification of the debt is being requested from our client and will be mailed to the address on file. Collection activity will cease providing you time to receive and review the validation of the debt provided by our client. 

This account need to be removed from my credit URGENTLY or I will seek legal action!!! Ceasing collection activity is NOT a problem OR SOLUTION TO MY COMPLAINT AS THE COMPANY NEVER CONTACTED ME TO BEGIN WITH ( AS THEY ADMITTED IN THEIR RESPONSE ). 

PLACING A UNVERTIFIED DEBT ( AS THEY ALSO ADMITTED IN THEIR RESPONSE ) IS ILLEGAL. THE REPORTING OF THIS ACCOUNT IS NOT RIGHT. 

The Fair Credit Reporting Act PROHIBITS credit bureaus and collectors from furnishing incorrect and unverified information on a consumer reports, this account is admittedly not verified. Also as stated in my original dispute, XX/XX/XXXX XXXX is a result IDENTITY THEFT. Legal documentation of such identity theft has been provided go XX/XX/XXXX XXXX and Sequium Assest as well as ALL credit bureaus.. REMOVE THIS ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/2020 Comenity closed a zales account of mine based on a fictional claim that my credit use was deemed high risk. I use 3 % of avaliable credit. They did not notify me, I found out only because I applied for a credit card they issue for XX/XX/XXXX. My application was denied due to " a negative note on my account ''. I have had a flawless payment history for 6 years and maintain a low 3 %. They refuse to give a valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I opened a Chase Savings account following a promotion where I can get a {$200.00} bonus if the following criteria are met : ( 1 ) Open a new Chase Savings account ( which I have never done before ), ( 2 ) Deposit a total of {$15000.00} by XX/XX/2020, and ( 3 ) Maintain that balance for 90 days. If I meet all three, it was advertised that I would be rewarded with my bonus within 10 business days. 90 days from my initial deposit would have been XX/XX/XXXX, and 10 business days from then would be XX/XX/XXXX, so I should have already received the bonus. I called a Chase customer service rep on XX/XX/XXXX, and he confirmed that I met the criteria and should be receiving it on XX/XX/XXXX. It is now XX/XX/XXXX and I still haven't received the bonus. I call Chase customer service again, and another rep, XXXX XXXX, also said that I met the criteria and wasn't sure why I haven't received the bonus. After waiting for XXXX to discuss with his internal team, he said I met all the criteria except the " Deposit a total of {$15000.00} by XX/XX/2020 '' because I transferred money from another account which doesn't fall under their definition of deposit. If you look at my attachment where I include the offer email, there is nothing disclosed about how " deposit '' is defined. Not a note at the bottom of the email, nothing. It is ridiculous to mislead a Chase customer, and not disclose in the email of the offer containing criteria that there are specific technicalities in the word " deposit '' that I would've otherwise not known when I opened my Chase Savings account following what was advertised in the offer. The fact that TWO of Chase 's customer service reps also believed I met the criteria ( and the fact that it wasn't until XXXX escalated the issue that he was also aware of the technicalities ) is unacceptable if Chase wants to demonstrate trustworthiness with their customers. Unless I am properly compensated with the intended bonus amount, the false pretenses of the Chase bonus email is enough for me to not want to continue with Chase bank in the long term.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 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: TX

Complaint narrative:
On XX/XX/2020, I received a refund from XXXX XXXX with two separate transactions of {$20.00} and {$32.00}. However, the XXXX Fraud Department declined the two refund transaction indicating that there was fraud on the account. Therefore, I reached out to the Fraud Department and Representative XXXX removed the hold on my debit card and stated the funds should reverse back onto my account. However, I do not see them as pending refunds of a total of {$53.00}. 

In addition, I processed two returns of the same transaction for XXXX XXXX for {$16.00}. However, I also do not see this transaction processed as a return either. And I was also promised a {$200.00} Cash Bonus with a first direct deposit of {$500.00} or more before XX/XX/2020. XXXX XXXX told me that I should expect to receive my bonus within two weeks of the first direct deposit. However, I still have not received my {$200.00} cash bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
SYNCB/Ashley Home Store is reporting a XX/XX/20 late. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.

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 monetary relief
Consumer complaint received 2020-11-24 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: TX

Complaint narrative:
I have sent multiple letters asking them to investigate multiple accounts on my Experian credit report that I don't recognize and provide me with documentation showing these accounts are mine. These inaccuracies are hurting my credit rating when I need it most during this pandemic. All they keep telling me is " verified '' or " updated ''. According to the FCRA they can not be reporting unverified or inaccurate information to my credit 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 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
last year in XXXX a sales person contacted myself and husband about solar panels. after the sales person made no communication with us and she was telling everyone my information and not directly to us. so i called her and advised her of what she was doing is not right after that i let her know not to use my information anymore and told her in di not want the solar panels in my name. well the sales person went ahead and did what she was not supposed to due. so now i have solar panels on my house that i did not sign for and a loan under my name and my husband name. I've contacted the company many times this yr XXXX and all he does is give me the run around. I even contacted the loan company and they can not help so not its on my credit report and it shouldn't be there. I also have all the documents, emails, and text messages showing I have been in contact with them trying to fix this situations. also the documents DO NOT have mine or my husband signature and this is fraud. I need help in making sure this comes off mine and my husband credit report. I have a lot more emails that I can submit if needed too. these documents are what they send me for my application with is not mine or my husband signature. the emails starts from XX/XX/XXXX i just sent you the most recent emails. I also try to contact empire solar today and he ingore my can and send a text that he was in the office today

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CORELOGIC INC
State: NJ

Complaint narrative:
On XXXX XXXX, 2019, CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, CREDCO add a hard inquiriy on my credit report per 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 2020-11-24 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: FL

Complaint narrative:
There are numerous inquiries listed on my credit report that were not initiated or authorized by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank/XXXX  is reporting a late on XX/XX/20. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Capital/ XXXX XXXX is reporting a late on XX/XX/20. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I started or was looking to start service with XXXX/XXXX  XXXX XX/XX/2020. This process was initiated online and completed in the store. I contacted XXXX  for technical support and a representative started another account in my name. I called in to customer care several times and didn't receive any help, just kept being transferred from 1 department to another. 

Fast forward, early XXXX I received a notification from XXXX XXXX regarding a collection account. 

Trouble ticket # XXXX that was closed XX/XX/XXXX, confirms that they have the equipment for account # XXXX that wasn't authorized by me. 

Nice representative at XXXX  tried to help XX/XX/2020, but she said that she doesn't see where they reported anything to a collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
A couple of months ago I received an escrow analysis that my payment was going to go up. I did not have money to pay the shortage so I noticed my payment went up almost {$400.00}. I checked online and noticed that US Bank has XXXX County and XXXX which are not suppose to be there. I live in XXXX County, and we pay for XXXX and XXXX. It has been a month since I reached out and have made numerous calls without resolution. I have not made my car payment because I needed to pay my mortgage. I am worried that again I am going to default on my other bills since my main concern is to keep my home. I keep getting the run around and I even requested a supervisor which she told me she would call me and never has. I need my escrow fixed and to have my payment fixed.

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 monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, XXXX XXXX both XXXX  and XXXX  to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
HAPPY XXXX AND HAPPY HOLIDAYS! and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm applying for a mortgage and the bank " Local government Credit Union is getting an alert from Equifax that there is a Block creating multiple files. I have called Equifax XXXX several times and the automated line says my personal information is incorrect and wont let me speak to a live agent. So I'm not able to speak to anyone at Equifax to see what is wrong with my credit file.

Company response to consumer: Closed with explanation