vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Community Bank calls me on Sundays and after XXXX on a daily basis and as early as XXXX est. The calls are annoying and beginning to be involved in harassment. They call at least 10 times a day. This is call harassment and I would like it to stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm XXXX years old please stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/21 my husband and I closed escrow on a new house, a fixer upper. I applied for a Lowe 's credit card the next day, was approved for an {$8000.00} line of credit, began making purchases and placing appliance orders for our new house we plan to move in to on XX/XX/21. After a few large purchases, Synchrony Bank called to verify that I was the person making the purchases. I was. On XX/XX/21 I received my Lowe 's credit card in the mail and called to activate it. I requested a second card for my husband to use and that he be an authorized user on the account. Because Synchrony Bank/Lowe 's informed me it would take 7-10 days to receive the second card, I asked that they mail it to the new address where we would be residing by that time, so it would not get lost in the mail, and I officially updated our new address with them. On XX/XX/21 their Fraud Dept. called me numerous times from a number my cellphone labeled as Potential Spam. When I responded to their voicemail, the " Fraud Dept. '' required me to send them a copy of both sides of my driver 's license and a self video of my face to prove my identity! After I reluctantly complied ( because this sounded very suspicious ), they claimed they could not identify me, froze my account, and blocked me from logging in to my account. Numerous phone calls that same night yielded " the run around '', long waits on hold, and no answers as to what they wanted from me to prove who I am. I have 2 other accounts with Synchrony Bank with 5+ years of purchase/payment history with them. They know who I am! On XX/XX/21, I made a large payment on my Lowe 's account via the " Guest '' portal, more than half of what is owed. I'm still blocked. They are treating me like a criminal! We have a stove and refrigerator on order, on their zero interest payment plan, that we need installed because the house has none. I am furious and frustrated!

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 2021-02-14 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: CORELOGIC INC
State: NJ

Complaint narrative:
ON XX/XX/2021 CORELOGIC CREDCO RECEIVED AND SIGNED FOR MY LETTER VIA US ( CERTIFIED MAIL # XXXX ) THAT WAS DATED XX/XX/2021, THE LETTER SPECIFICALLY REQUESTED THAT A SECURITY FREEZE BE PLACED ON MY CORELOGIC CREDCO CONSUMER CREDIT FILE AND XXXX TO BE PROVIDED WITH A FREE COPY OF MY CREDCO CONSUMER CREDIT REPORT. WITH THAT BE SAID CREDCO FAILED TO ADHERE THE THE FCRA AND FACTA ACT BY NOT HONORING MY REQUEST FOR A FREEZE ON MY CONSUMER FILE. AS WELL AS A FREE COPY OF CREDCO REPORT. CREDCO ALSO RECEIVED COPY OF MY STATE OF NJ DRIVERS LICENSE AND WEEL AS A COPY OF MY SOCIAL SECURITY CARD THAT CLEARLY IDENTIFIES MY IDENTITY. CREDCO RESPONDED BY SENDING ME A REPLY LETTER ABOUT IRRELEVANT INFORMATION ABOUT OTHER CREDIT BUREAU AGENCIES PROCEDURES EVEN THOUGH I SPECIFICALLY STATED IN MY REQUEST TO FREEZE MY CORELOGIC CREDCO CONSUMER CREDIT REPORT. THEY ALSO SENT A REPLY TO THE REQUEST FOR A FREE COPY BY SAYING THEY COULD NOT IDENTIFY ME EVEN WITH I SUBMITTED DOCUMENTS THAT CLEARLY IDENTIFIES MY IDENTITY. 

ATTACHED TO THIS COMPLAINT IS MY REQUEST LETTER ( WITH REDACTIONS ) FOR THE FREEZE AND FOR A FREE COPY OF CONSUMER CORELOGIC CREDCO CREDIT REPORT. ALSO ATTACHED IS THE ERRONEOUS REPLY TO BOTH OF MY REQUEST. IF BOTH OF MY REQUEST ARE NOT HONORED I WILL SEEK DAMAGES IN A COURT OF LAW. 

CORELOGIC CREDCO HAVE ALL ORIGINAL DOCUMENTS IN THERE POSSESSION AS OF XX/XX/2021 WITH OUT THE REDACTIONS

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 2021-02-14 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This balance stems from a problem with an associate at the store while it was still open and the manager advised he would fix and credit the incorrect charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX sent me a new card and when they did they reported me a second account on my credit report. Its always been the same account same balance. For one year now they were reporting I was at 100 % utilization on one and then the other was accurate. After a year of impacting me I finally got the bank to send a letter to credit bureaus to remove this one from my report completely. Now all 3 bureaus are marking it closed due to fraud and now my score is down 20 pats. How is this legal I never had two accounts or separate balances. Ive now been impacted for a year this is crazy! Its like the bureaus want is to Have low scores.

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 2021-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am having a re-occurring problem with my Belk Rewards Mastercard account closing out completely.My husband and I go online each month and pay our monthly bills and this one bill in particular keeps mailing me more hogus-bogus $ XXXX- {$500.00} each time I get it all paid in full the first time.I have called and got it all explained about how my husband and I have already paid it and then how the account on my bill had changed completely, so I told them that I was not responsible for the fraudualant changed account number.This company never stop harrassing me with fraudulant bills still being sent to my residence and has me still oweing something more and more, under a : XXXX # : XXXX. Noy my account number at all.The address is:XXXX XXXX XXXX XXXX XXXX. Send payment to : XXXX XXXX, XXXX. I want a law suite if this is still on my credit card credentuals that will show neglagence on ever getting resolved and changes being made every so often for more money being owed and not my responsiblity to pay any longer.S.B.

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 2021-02-14 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: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I have never missed a payment with Santander Consumer USA. My account is XXXX and the last payment made was XX/XX/2021 for the payment amount of XXXX. My payment is not due until the XX/XX/XXXX of each month. Santander reported on my credit report that my account was 30 days past due. This is incorrect. I want this removed from my credit report immediately. 

My total loan payoff for my car is {$680.00}. I was told by Santander ( check recordings ) that I could continue to pay this balance as i would normally pay my car payment. Now they are reflecting it as past due. It is not. I have never missed a payment. I pay early.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I WANT THESE PREVIOUS ADDRESSES TO BE DELETED THEY ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XXXX at XXXX XXXX, Chase bank deleted my phone number from my account so that they could close my checking account that I've had for over 10 years without me knowing. I still have not received the over XXXX XXXX dollars that I had deposited in that checking account. They also refuse to tell me why they closed my checking account. This has caused me financial hardship during the current Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company agreed to completely remove the late reporting in exchange for paying the past due amount and not give the vehicle up to be repossessed that the account will be re-aged and current on all aspects including previous late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
Eastern Revenue has inaccurate information that is ruining my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one don't care about identity theft i never had a Capital one credit card it showing on my credit report in 2017 but they remove it because 8t fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX  sent me a new card and when they did they reported me a second account on my credit report. Its always been the same account same balance. For one year now they were reporting I was at 100 % utilization on one and then the other was accurate. After a year of impacting me I finally got the bank to send a letter to credit bureaus to remove this one from my report completely. Now all 3 bureaus are marking it closed due to fraud and now my score is down 20 pats. How is this legal I never had two accounts or separate balances. Ive now been impacted for a year this is crazy! Its like the bureaus want is to Have low scores.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
THERE ARE INQUIRIES THAT I DID NOT AUTHORIZED AND 2 NEGATIVE ACCOUNTS THAT ARE NOT MINE

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 2021-02-14 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
The company agreed to completely remove the late reporting in exchange for paying the past due amount and not give the vehicle up to be repossessed that the account will be re-aged and current on all aspects including previous late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX has inaccurate information that is ruining my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14 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: ERC
State: NJ

Complaint narrative:
XXXX XXXX has inaccurate information that is ruining my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have the XXXX XXXX XXXX  and I was told from that app they sent my {$20.00} advance and my Chime app spending account was the recipient of that. Now I have never received that advance and im waiting but I haven't been able to confirm anything with XXXX XXXX or Chime. My XXXX XXXX XXXX  has a double request for the {$20.00} advance and I only wanted the one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This company has provided inaccurate information and its ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RESMAC, INC.
State: MA

Complaint narrative:
My mortgage was purchased bt RESMAC from XXXX XXXX on XXXX. I was given notification at the end of XXXX, XXXX  by XXXX XXXX. I made my XXXX mortgage payment electronically to XXXX on XX/XX/XXXX as I had not received any documents from RESMAC. 
I spoke to XXXX XXXX, teh owner of RESMAC on XX/XX/XXXX on his personal cellphone and told him of my paymanet and informed him that I had not received any documents from RESMAC including where to pay, how to pay electronically, verification of current balance, escrow amount. He stated not to worry that he would take care of it. He also stated not to worry " I won't charge you a late fee ''. I stated " please don't insult my intelligence, you can not charge one nor report to the credit bureas for 60 days by law ''. I told hime that I wanted to pay on time and i was concerned about the competency of RESMAC to make this happen and maintain my XXXX credit score. 
I went on the RESMAC website that states " one-time ACH payment for new loans ''. It asks for a RESMAC loan number which I did not have. 
I spoke with XXXX XXXX again on his personal cell phone on Monday XXXX and told him that i could not pay online as I did not have a loan number. I also stated that I still did not have any loan docs with amounts on them. He told me that he would have this corrected by the end of the day and would send me an email. I did not receive an email and all of my calls, texts and email to his specific email address on Tuesday, XXXX went unanswered. This was the same issue on Friday, XXXX. I am attacing several email and text threads supporting this as well as his statement saying this loan is unique and he is having issues with it in his system. Not my issue but my credit. I spoke with someone named XXXX on Friday, XXXX at approximately XXXX. She could not find my loan in the RESMAC system. I told her to call XXXX XXXX immediately. She did and called me back. She stated that my loan was'nt in the system properly so there is not visibility to it. She had told me the loan was due in XXXX. I had told her that I was current with the prior servicing company through XXXX and have NEVER been late. She stated that I was not due until XXXX. I told her that this was incorrect. I told her that I would pay by check over the phone agains my better judgement and deal with any tranferring balance issues later. She said ok. I asked her what my principle balance was and she said that she did not know. She asked for my routing # and I asked her how much the check was going to be for and she stated an amount that was SIGNIFICANTLY less than the note stipulated. I told her that and she said " OK, I will take that amount '' ''. I said, without you knowing a breakdown of my escrows this is just going to go to additional priciple balance ''. I stopped the process and still have not made XXXX 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was charged a MINIMUM INTEREST CHARGE FEE of {$2.00} on XXXX/XXXX/21. Upon talking with customer service, it appears my auto-pay did not take out sufficient funds to cover my statement balance and the associated charge was applied. I communicated that I've had autopay set up to pay my monthly statement balance for years. They did not disagree but said they were not able to remove the charge in the system.

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 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was an XXXX  XXXX. Due to COVID 19 restriction and class changes, I was not able to enter into US, thus I stopped using my BofA accounts. BofA then started charging me monthly maintenance fee, overdraft fee and other fees in the total amount of {$340.00}. I asked my relative and friend to go to the branch and help me get the fee waivers and close the account. The branch assistant XXXX XXXX stated that I have to reach out to the call center in order to request the fee waivers before closing it, BofA will allow 3 fee waivers in 12 months period. However, when we made the call to the call center, we were told that there is no such refund policy. We are not sure who is misrepresenting to us. Nevertheless, I requested to close all of my depository accounts. 

Several months later, I discovered that one of my account was not closed as requested, because there was another monthly maintenance fee, and BofA requested me to pay for it before closing it. This is highly unacceptable! Moreover, BofA changed my social security number on file, and restricted me to go to the branch for further actions. BofA was well aware the fact that I'm not living in the US, that I can not reach out to them, but intentionally change my profile info without my acknowledgement, charging me fees and making profit out of me. The way they treat XXXX XXXX  or immigrants is such a shame!

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 2021-02-14 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: OK

Complaint narrative:
I have never missed a payment with XXXX XXXX XXXX. My account is XXXX and the last payment made was XXXX2021 for the payment amount of XXXX. My payment is not due until the XXXX of each month. XXXX reported on my credit report that my account was 30 days past due. This is incorrect. I want this removed from my credit report immediately. 

My total loan payoff for my car is {$680.00}. I was told by XXXX ( check recordings ) that I could continue to pay this balance as i would normally pay my car payment. Now they are reflecting it as past due. It is not. I have never missed a payment. I pay early.

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 2021-02-14 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: MD

Complaint narrative:
Trans Union Consumer I send in a Dispute letter on the date of XX/XX/XXXX for a list of Inquiries did not Authorize The Inquiries are still reporting to my credit report and this not the first disputing Info on my report with XXXX  and also call in about Authorize Info on my report date of XX/XX/XXXX. I was ask about 3-7 lady on the phone was not trying to help keep on saying to me that Inquiries can not be removed and had me on hold for one hour VERY BAD CUSTOMER SERVICE Never had a chance to Dispute nothing on my report Fraudulent Inquiry Details XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry  from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Please Remove From 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