vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/2020, my husband reserved rooms for a reunion in Washington state to be held in XXXX. The total amount was {$420.00}. When Covid hit in XX/XX/2020, the reunion was cancelled. He immediately contacted the vendor, who had already charged our card. We could tell from the way he talked that he probably would not refund the money and we were right. After several phone calls and emails we contacted the credit card company. We then sent in all the information they asked for. On XX/XX/2020, we received a letter from the credit card company stating that credits had been placed on our account including any interest charges. However, the charges were not removed from out bill and there is interest charged every month. We have not paid any of this. I have written two letters to the billing department and made several phone calls. Last week we were on the phone with them for over 2 hours. Nothing was solved. We are completely fed up. Please help!

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 2021-10-26 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: GA

Complaint narrative:
I contacted Trasn union and XXXX  and XXXX regarding some charge offs and Bankruptcy on my credit report on XXXX. XXXX, and to this date XX/XX/XXXX, i have NOT RECEIVED ANY REPORTS OR ANSWERS TO MY DISPUTES. The 2 bureaus have not responded at all. this is a violation of the FCRA. XXXX is the only one who removed the inaccurate information. the reporting of this is also untrue. 
the date of last activity, date of last payment and payment is all wrong Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. 
On XX/XX/XXXX, I received a response from XXXX XXXX regarding my request for debt verification. Within the response from XXXX XXXX it provided a letter from " Comenity Bank '', the alleged original debtor '', that " XXXX XXXX, XXXX. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " Comenity Bank '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information. 

In addition to the letter from the alleged original creditor, XXXX XXXX XXXX, also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that XXXX XXXX does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that XXXX XXXX created the letter aforementioned on their own behalf. I investigated a " Commenity Bank '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " Comenity Direct Bank '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that XXXX XXXX XXXX. consider this complaint and agree to the fair resolution requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On or about XX/XX/21 I applied for a Chase Freedom Unlimited credit card with this signup offer : " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from opening the account. And earn 5 % cash back on grocery store purchases ( not including XXXX or XXXX purchases ) on up to {$12000.00} spent in the first year. '' I received the card a couple of weeks later and started using it. After my first statement, and after spending more than the required {$500.00}, I found that Chase did give me the {$200.00} bonus ( in the form of XXXX bonus points ) but not the 5 % on grocery store purchases. I called to ask why and was told the I never signed up for that sign up package. I told them that I did and Chase person said she'd escalate and that I'd hear back in 14 days. I received a letter 10 - 12 days later that said, " Thank you for contacting us about the bonus offer on your account. Although your account isn't eligible for the new offer you requested, the original offer is still available to you. We encourage you to take advantage or your original offer. Your original offer is XXXX bonus points after you spend {$500.00} on purchases in the first 3 months your account is open '' On XX/XX/21, I called again to find out why I didn't get the full bonus offer. After several calls, I reached a supervisor who told me that there were 2 offers in effect at the time I applied for the card, the one I described and another that gives {$200.00} but no grocery store bonus. That is, one offer is a subset of the other and worth about 30 % of the other. Which one you get, according to the supervisor, depends on which online route you took to the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
CareCredit..I obtained the card in XXXX unknown to me the Dentist XXXX XXXX charged the whole amount this was at the start of the pandemic .I put in a dispute for the charge which care credit refunded and never informed me that He Refunded the card completely on XX/XX/2021 and Care Credit is Saying that I still Owe them thousands of dollars and I have been making a payment every month of {$300.00} which is more that what they said was due I never got a bill with a charge just what I owed I had them send me the statement and they refuse to refund all the payments I have made to this account since last year. The bank appears to have people that are not American handling the customer issues which makes this so hard to understand. I was asked if the work was completed and I informed them I did not and he also billed my insurance. They Owe me a year of payments I have all copies of the bill my Name is XXXX XXXX I live in XXXX Il I am paid what I owed and they refuse to refund my payments back account number XXXX XXXX XXXX XXXX and my phone number is XXXX PLEASE HELP ME!!!!

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 2021-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: GA

Complaint narrative:
Tower loan added on a roadside assistance plan to my account. I asked them to remove this at the time of the loan but they didnt. I now have trouble making my payment due to covid but they refuse to refinance or remove the roadside assistance. They also have called my family the doesnt live in the house and told them I need to call and make payment immediately. I thought it was illegal to discuss my debt with anyone besides me.

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 2021-10-26 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: CT

Complaint narrative:
Hello and Good day. Im writing this formal complaint because I am seeking legal options against these companies XXXX and equifax who have failed to follow the guidelines that The FTC And FCRA has clearly layed out for these accounts. I started disputing these negative accounts that will list on XX/XX/XXXX which Ive never received any response within the thirty day deadline that they were given once they received my report which ive also tracked and They have consistently ignored any if my attempts through mail to get The Violations and inaccuracies removed. 
I am also Contacting my attn General because they seem to think they are above the rules set out By the XXXX. 

XXXX XXXX XXXX 1. This account Has been Reaged a number of times and is reporting different dates last active 2. Its reporting recent activity in the payment history section after this account was charged off and closed 3. The next Inaccuracy and now violation on this account is its reporting XXXX for XXXX but equifax is reporting 60 days fir XX/XX/XXXX pay history. 
4. They ALSO HAVE NOT PUT IN A NOTICE OF DISPUTE WHICH MEANS THEY NEVER INVESTIGATED! THATS 4 VIOLATIONS FOR OVER 4 MONTHS! 

XXXX XXXX This account violates the CFRA bevause its reporting a past due on a Collection and has activity after the account was closed as well which is being reported by equifax only. 

XXXX XXXX XXXX This account is Showing the date last active in two entirely different years which means theyve Reaged it. This is illegal and a violation. 


XXXX XXXX EQUIFAX NEVER PUT IN A NOTICE OF DISPUTE WITHIN 30 DAYS OF GETTING MY DISPUTE. ITS BEEN 120 DAYS AMD ITS STILL IN VIOLATION. 

XXXX XXXX XXXX This account is Reaged both the date last active are being reported inaccurately. 
I KNOW and have read online the laws that remate these companies and from what i understand if they dont remove all these accounts i have the right to compensation for injury. They need to do it soon. My patience is wearing thin and its really becoming evident thst they just don't care. 
I will attach all the pictures with these ackunts and the some of letters that I've sent so you can see they have not answered or deleted these accounts and have broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
They closed my accounts with out my permission After making payments on time I had automatic payments for over 5 years Trying to payoff the remaining balances and CITIBANK HAS REFUSED TO MAKE CONTACT

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 2021-10-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I maintain my credit utilization at 10 % or lower and I used my credit for over a year with no increase to my score. I used my credit recently but kept it at 11 % and it dropped my credit score. Also payments on my account for XXXX XXXX  have not fallen off despite the updated payment history. An account that I paid in full still shows paid at less than agreeded although I disputed it. I also requested pay for delete from the lender but it is still appearing on 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 2021-10-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian I have been seeing authorize I information reporting on 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 2021-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX, XXXX I obtained a loan to purchase equipment through XXXX XXXX. The loan payments were debited in a timely fashion from my account every month. For some unknown reason, the very last payment, due on XX/XX/XXXX was NOT debited by XXXX and that resulted in a late payment and late fee. The bank account which the payments were debited from has ALWAYS had sufficient funds to cover all expenses. The customer service representative at XXXX was gracious enough to remove the late fee and the account was paid off about on XX/XX/XXXX exaclty 12 days after the last payment was due. The account was later closed on XX/XX/XXXX. 

I'm currently in the process of buying a property and I became aware of a negative hit on my credit score. It seems XXXX XXXX reported my account as being over 30 days past due to Transunion credit reporting agency. My account was absolutely never thirty days past due. Every single payment of the 18 month term was made on time except for the issue in XXXX, XXXX. But it is clear that if the payment was due in XX/XX/XXXX, and paid off on XXXX, XXXX I was never 30 days past due, I filed a dispute with Transunion, and they stated that the company had disagreed and so the derrogative report remains in my credit file. I reached out to XXXX XXXX but have yet to resolve this matter.

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 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX {$530.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Provided my letter 9 months ago that this account does not belong to me. 

and SECURITY CREDIT SERVIC Original creditor : XXXX XXXX {$2000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX referred me to XXXX XXXX Tel : XXXX on XXXX XXXXXXXX XXXX XXXXXXXX XXXX I contacted this collection agency and was informed that they have received my letter and report that this debt was fraudulent some 9 months ago but every time I demand that they remove it from my report they state that they can not talk to me unless I cancel my dispute. When I report it to the credit agencies, XXXX XXXX and Security Credit confirm that the accounts belong to me despite having my letter that these amount do not belong to me. 

and

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Im receiving a debt collection letter dated XX/XX/XXXX from Transworld Systems Inc on the behalf of XXXXXXXX XXXX XXXX XXXX for XXXX. I dont owe anyone no money and I am wondering how they got my info. My account is always in good standing. It do not sound like this is a official company and the lady did not conduct herself in professional manner. 

Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
Stalling Financial Group placed a negative entry on my XXXX and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to SFG and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Initially, approximately, an order was placed, from jc penny, item was charged on a jc penny credit card, for approximately, XXXX, the sleeper sofa was returned, iaw, their guidelines, I was told by a by a jc penny, supervisor that the credit would be returned to the card, once they, had received the sleeper sofa, this item was received, back in the store, on or about XXXX, as of today XXXX, the credit has not yet been returned, to the card, the last two times, I inquired about it, I was told, that it would, be in dispute, for ninety days, in order to get, synchrony Bank, jc penny 's card servicer, to remove the charge, or say they would remove, i was told, that I would have to cancel, the dispute, and pay the balance, to make, a long story short, I have been charged for an item, that jc penny, have in their possession, that I dont have, and will not receive, cancelation of the product, was necessary, being that I am in the process, of closing on a home loan, with a dispute, on the credit, report, would appreciate, any assistance, available, to retify this, and have money i have paid for merchandise, I dont have, and will not receive, returned to me i have paid the charge, in full, XXXX XXXX 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 monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Case Description : ***REFUND NEEDED***. Zero calls NOR emails answered EVER SINCE THEIR " FAILURE '' On XX/XX/2021 I contracted with this now seemingly scammish thieving entity to be this new " broker '' thing to procure my relocation packing loading & moving from XXXX, NM to XXXX NM & paid their required {$1200.00} deposit on a {$3000.00} quote for their locating/binding a crew truck/ carrier by the agreed to window they offered of XXXX XXXX XXXX, 2021 All month whenever I had any questions they barely ever answered their phone ( perhaps every 3rd call ) & NEVER returned any calls or emails ever ... eventually proceeded thru the countdown steps the last 2-5 days prior the QA call that had to be repeated after the last weekend of XXXX when the girl XXXX disappeared amidst a virtual video I wanted to show them how downsized my move had become after selling & giving away so much & all major furniture! XXXX the QA supervisor said Mon the XXXX that all was well & a crew HAD been secured with final info XXXX hours before window begins XXXX or XXXX then makes a 5-second voice msg & 1-2 sentence email telling me " SERVICE FAILURE HAS BEEN CALLED, refund in full of my deposit by US mailed check of {$1200.00} within 2-3 weeks time ''!!!! Really? Ditched me ONE DAY ON XX/XX/XXXX before the 3-day window which was days prior to my " must vacate by '' date of my apartment???? Horrible enough!!! No explanation except " we never found a carrier at that price quote the entire 4 weeks! '' really?? I had been told the reverse of course more than once whenever I called and they ANSWERED So I had to find another broker ( ironically turned out to be XXXX XXXX XXXX w/ an address RIGHT NEXT DOOR AT XXXX XXXX XXXX XXXX in XXXX XXXX XXXX FL ! Wow! They got a carrier ( XXXX XXXX XXXX ) in a day and a half at a quote raised to {$4200.00} ( XXXX to {$6900.00}!!! ) anyway STILL NO REFUND SENT BACK TO ME OF {$1200.00} never mind any resultant damages above to say higher costs under time pressure and zero calls answered!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
On XXXX I mailed a certified letter to Transunion disputing inquiries that I did not authorize. I also mailed certified letters to Transunion on XXXX disputing accounts that had inaccuracies. I included my drivers license and social security card. t has been well over 30 days and I have not as of XXXX received any correspondence for any of the letters and disputes.

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