vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I spoke with XXXX From the Collections department at Comenity Bank in regards to a XXXX XXXX Credit Card account. I owed a little over {$700.00} and had several missed payments. I paid {$200.00} to bring my account up to date, taken out of my account on XX/XX/2020. I also agreed to have {$120.00} automatically withdrawn from my account each month starting in XXXX. XXXX made note that after XXXX I would owe nothing! He said I may need to call in XXXX to let them know that I should not be charged any finance fees. I checked my account in XXXX after my final payment and found that I had been charged a {$35.00} late fee every month since XXXX because they had my payment due date as the XXXX of each month and my account was debited on the XXXX!! I would have never agreed to a day two days later just to keep paying a late fee! I have been scammed! I sent a message through the online message center. I was told to call. I called and was told that they would need to listen to my phone call because I probably chose that date! They said they would call back and see what they could do but could probably not get rid off the finance charges. They have not zeroed out my account yet and I do not want them to take another dime from me! I am scared that they will continue to debit my account every month forever! They misrepresented and lied to me. This was extremely shady and I would never trust this company and their collections department. I was doing the right thing and paying off my debt. I was scammed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-27 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: NJ

Complaint narrative:
For over 2 years I have had to deal with a Credit Rating that has been destroyed by XXXX incompetence. In short my 830+ Credit Score is now at XXXX and struggling to recover due to XXXX XXXX. Thankyou for at least reading this far. 
In short, I was moving homes and requested to cancel XXXX XXXX. 
I followed requested process and in fact waited 3 times for someone to collect unit as scheduled ... no one ever turned delivered myself to XXXX location. While dealing with this over the few week I was billed by XXXX for another month. Despite all the " promises '' this will be rectified NOTHING was done. Instead XXXX sent collection notices ( adding insult to injury ) which I refused to pay out of principal ) Consequently this referred to various Collection Agencies who passed the SAME DISPUTED account around, each time impacting Credit Score ..Finally out of frustration I paid bill but damage has been done. As you will see from all my active accounts and my long term payment history with EVERYTHING ELSE has been stellar ( hence my original XXXX Credit Score ) yet my scores with XXXX, Equifax and XXXX remain low and yet to be corrected. 

One has to question the accuracy and integrity of the Credit Agencies ( and why I am registering this complaint after two years +of frustration ) as to how ONE DISPUTED XXXX bill for {$100.00} outweighs payments for numerous other accounts including mortgages involving thousands of dollars paid fully well in advance. 

My Credit rating has not been corrected nor fairly represents my " payment character '' which impacts me any time I look to apply for anything that requires a Credit Rating search to be done. 
Hopefully something good will come of this to protect other customers. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: NJ

Complaint narrative:
For over 2 years I have had to deal with a Credit Rating that has been destroyed by XXXX incompetence. In short my 830+ Credit Score is now at XXXX and struggling to recover due to XXXX incompetence. Thankyou for at least reading this far. 
In short, I was moving homes and requested to cancel XXXX XXXX. 
I followed requested process and in fact waited 3 times for someone to collect unit as scheduled ... no one ever turned delivered myself to XXXX location. While dealing with this over the few week I was billed by XXXX for another month. Despite all the " promises '' this will be rectified NOTHING was done. Instead XXXX sent collection notices ( adding insult to injury ) which I refused to pay out of principal ) Consequently this referred to various Collection Agencies who passed the SAME DISPUTED account around, each time impacting Credit Score ..Finally out of frustration I paid bill but damage has been done. As you will see from all my active accounts and my long term payment history with EVERYTHING ELSE has been stellar ( hence my original XXXX Credit Score ) yet my scores with XXXX, XXXX and Experion remain low and yet to be corrected. 

One has to question the accuracy and integrity of the Credit Agencies ( and why I am registering this complaint after two years +of frustration ) as to how ONE DISPUTED XXXX bill for {$100.00} outweighs payments for numerous other accounts including mortgages involving thousands of dollars paid fully well in advance. 

My Credit rating has not been corrected nor fairly represents my " payment character '' which impacts me any time I look to apply for anything that requires a Credit Rating search to be done. 
Hopefully something good will come of this to protect other customers. Thank you. 
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 non-monetary relief
Consumer complaint received 2020-12-27 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: MI

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-27 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My Credit Profile has been damaged by Chrysler Capital with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently Chrysler Capital reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have advised the company & XXXX on multiple occasions to remove this medical collection as it violates my rights per the HIPAA ACT & my medical information is confidential! Neither the company ( COMMONWEALTH FINANCIAL ) nor has XXXX removed this medical collection from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/2020 : - Bank of America teller notified in person of lost/stolen Debit/ATM/bankcard at branch location in XXXX, Florida. 

- Teller put me on notice old card cancelled, new one to be mailed to me ( at my Michigan address ). 

- Bank was supposed to freeze old bankcard. Bank didn't. 

XX/XX/2020 - XX/XX/2020 : - Numerous fraudulent ATM withdraws in Michigan, totaling {$4400.00}. 

- I was in XXXX, Florida at all relevant times as shown by in-person cash deposits with teller at XXXX bank branch on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. 

XX/XX/2020 - I received a notice of low balance ( below {$25.00} ) by email at XXXX XXXX. 

- Note that the bank never notified me of ATM activity by email, text or otherwise XX/XX/2020 - Went directly into XXXX BOA branch. Teller provided three page printout of account activity. I identified fraudulent ATM withdrawals. I filed a fraud claim with the bank. 

XX/XX/2020 - Claim was denied by the bank, asserting the ATM withdrawals were " authorized '' ( on a card that should've been cancelled and/or frozen by the bank, for transactions occurring in Michigan when I was in Florida ) Notes : I have not been in Michigan since XX/XX/2020, but rather Florida since that date. 

When I notified Bank of America of my lost/stolen bankcard on XX/XX/2020 ( evidenced by the fact that BOA sent a new Debit Card and froze online/mobile access ), it should have immediately froze/cancelled the card. It didn't. All of the fraudulent activity occurred after I notified Bank of America of the lost/stolen bankcard. 

While I was making deposits in XXXX, Florida, in-person, directly to a bank teller, the fraudulent ATM activity was occurring in Michigan from XX/XX/XXXX - XXXX, 2020 ( three on same days in Michigan as in-person deposits in XXXX, Florida ). 

I kept depositing money while BOA provided NO notice of ATM/withdrawal activity, until XX/XX/XXXX when I was provided a printout in person at a XXXX BOA branch ( my visit prompted by the low balance notice on the evening before/XXXX XXXX ). I made the fraud claim contemporaneously/immediately. Only then the card was apparently frozen/cancelled by BOA, then of course no more fraudulent activity.

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 2020-12-27 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
in XXXX Covington Credit incorrectly reported a debt collection on my credit report beginning somewhere around {$300.00}. Since XX/XX/XXXX they had changed to status as an " open '' account. Every month since XX/XX/XXXX they have " closed '' then " reopened '' the account increasing the balance due every single time it's " reopened ''. My report currently states that it was opened in XX/XX/XXXX when they have actually had this snowball account reporting since XXXX. They now show a balance of {$840.00} and state that payments were made the past 2 months. All of this information is incorrect. I've tried disputing the account as fraud which has been ignored. I have over a year of active " open '' " closed '' " paid '' " late '' statuses all submitted at random times. They have done this to keep the account ACTIVE on my report versus allowing it to be written off or disputed. It's FRAUD. The account is not mine, the balance is TRIPLE what it started out as and they are reporting FALSE information. ( Made payments, missed payments, account closed, re-opened, etc ) Joke of a company. OVER 3 YEARS OF FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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:
My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.

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 2020-12-27 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: CA

Complaint narrative:
My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: CA

Complaint narrative:
My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.

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 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Around XX/XX/2020, I received a warning from my credit monitoring service ( XXXX ) that someone was opening a credit card account in my name. It turned out that attempts had been made to open at least three fraudulent credit cards in my name. I contacted JPMCB first. The customer service person said they had no record of this activity. When I called the other credit card companies, they were much more helpful. They arranged a seven year " Victim Alert '' be placed on my credit reports and immediately removed their " hard inquiry '' from the reports. However, JPMCB has failed to do this, even after multiple contacts by myself. Today I got my latest copy of my XXXX Credit report and the hard inquiry is STILL on this report, and I assume all the rest of my reports. From the beginning, JPMCB has failed to take this matter seriously and because of its incompetence, adversely impacted my credit score. I have had no credit relationship with JPMCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMONWEALTH FINANCIAL contacts me all the time, at work, on my cell, via postal mail & ive told them to stop contacting me. Ive also filed disputes with all the credit bureaus to remove this medical collection as it violates my privacy per the HIPAA ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: MI

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a Macys American Express Card. I have had nothing but problems with this card. Mostly weird charges. Or, I will pay off the account, via phone, and then 3 months later, find out, that they left a {$5.00} or {$6.00} balance on the card, and now I am paying late fees in the form of hundreds of dollars and on top of that, it has dinged my credit score negatively. The first time this happened, it prevented me from obtaining a mortgage 5 years ago. I have had another round of issues with this card one year ago. I paid it off, and stopped using the card. I recently had my wallet stolen and have been checking on my accounts weekly. Yesterday when I went to check on this account which I do no use, I see a XXXX balance. Today, the balance is at {$13.00}. This is an unknown balance that they won't tell me what it is. I have phoned and am unable to get a human again. 

This card is Department Stores National Bank. I have filed disputes, closed the account and still I continue to have issues.

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 2020-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
I HAVE ATTEMPTED TO CONTACT THIS COMPANY MANY TIMES, BECAUSE THE ORIGINATOR OF THE BILL, HAS WRITTEN IT OFF, BECAUSE ITS A MEDICAL BILL THE HOSPITAL HAS A FINANCIAL AIDE SERVICE FOR CASES LIKE THIS., THE COMPANY/HOSPITAL OFFERED, FINANCIAL ASSISTANCE AND I ACCEPTED TO CLOSE THIS ACCOUNT BUT THE COLLECTION DEPT KEEPS CALLING ME WHEN I FOUND OUT THAT THE CREDIT CONTROL COMPANY IS SUPPOSE TO WRITE MOST OI AS WELL AS THE OTHER COMPANY. THE SAME IS TRUE WITH XXXX XXXX  OF XXXX NC. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, NC XXXX CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation