vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have incorrect addresses reported on my credit report, that have accounts attached to them that are not mine. 

The following addresses on my credit report, I have NOT lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX I ordered new XXXX   and opted for having them financed. On XX/XX/XXXX I was XXXX  for a month and a half and unable to handle my personal affairs. 

When I finally received the bill it was a few days past the due date so I sent a payment for the total of the bill of {$2900.00} on XX/XX/XXXX. 

In XXXX I got a late charge bill for {$60.00} and remitted it to Comenity XXXX XXXX XXXX 

I transferred {$60.00} through my online banking on XXXX and on XX/XX/XXXX my {$60.00} was reversed and returned to me. 

I am tired of receiving phone calls SEVERAL TIMES A DAY and most are from a different number for the same company. 

As a side note..I did not receive my dentures  until XX/XX/XXXX. 

I am getting between 3 and 5 calls per day and if I answer I only get a recording. I have called several times but nothing has been resolved except the last call I was told if I sent {$50.00} now they would stop the calls. I replied that they would just return the payment so I was not going to send it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thanks, you

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thanks, you

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: IL

Complaint narrative:
I was given a line of credit in XX/XX/XXXX for {$10000.00} from Discover. I used the money for relocation expenses. Once I maxed out the card, Discover shut down my ability to ever use it again. I had not missed a payment, yet the card was shut down. In the 4 years since, I have missed exactly XXXX payment ( XX/XX/XXXX ). I have paid much more than the minimum amount due nearly every month. In total, to date, I have paid {$9500.00} of my {$10000.00} debt to Discover. According to their calculations, I still owe them {$7500.00}. I have been given credit for exactly {$2400.00} of the payments I have faithfully made. This can not be fair on any level, can it? According to them, {$7000.00} of the {$9500.00} that I have paid has gone strictly to interest. According to these calculations, I will basically never pay off this debt regardless of how much I pay. Thus far, Ive paid 70 % interest on the card. And I most definitely did not apply for this card with the notion that it would be a lifetime of debt. I have asked them, after years of a perfect payment record, to please lower the interest or to work with me in some way. I was told that there is nothing that can be done. Im sure if consumers knew what they were signing on for, a good deal of them would take their business elsewhere. I know I would have. I realize and appreciate that an interest rate is attached to all credit cards and loans. And sometimes, that rate can be pretty steep. But paying {$7000.00} ( and counting! ) in interest on a {$10000.00} card I should never be allowed happen. At this point, I am questioning the sanity of continuing to make these payments. Im not even treading water here, Im XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I wrote Chase Bank to dispute two charges, one of {$1600.00} and one of {$400.00} to my debit card account made on XX/XX/2022. The charges are in error because I was victim of a scam, I trusted my bank, Chase bank, to process, verify, approve, and RELEASE the funds of a check that was deposited on XX/XX/2022, with the amount of {$3600.00}. Once I see that the bank approved the funds and that they are in the available balance, I trusted everything was verified by Chase Bank. That is when the previous charges were made. However, seconds after the disputed charges were made, the bank returns the check. Using then funds out of my account that were not meant for these charges. 

I want to know why the bank decides to take out funds that were supposedly already processed, verified, and shown AVAILABLE in my balance. Making me be an easy target to be a victim of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: IN

Complaint narrative:
I have incorrect addresses reported on my credit report, that have accounts attached to them that are not mine. 

The following addresses on my credit report, I have NOT lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-29 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: IN

Complaint narrative:
I have incorrect addresses reported on my credit report, that have accounts attached to them that are not mine. 

The following addresses on my credit report, I have NOT lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Tried to open an online savings account with Vio Bank on XX/XX/2022. Declined. Called customer service number provided. Would not provide a reason for decline. Escalated to manager level. Received similar response -- could not provide reason for decline, despite my request for one. Also, asked for compliance group number for further explanation and written response for why account declined -- would not provide either. Given this, asked they document my conversation and save recorded conversion with representative / manager for future reference. My credit/ financial history is pristine so seems like there is another factor at play here, possibly outside the bounds of ordinary business practices. 

Also, had contacted representative prior day due to technical issues ( proxy errors ) in submitting/ processing my application. This representative was very helpful and understanding, reviewing information and possible issues. Representative suggested reapplying later that day and, if encounter same issue, try again the following day, which I did and prompted call to customer service noted in prior paragraph. At this point, application was in submittal / processing stage.

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 2022-07-29 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: NJ

Complaint narrative:
XXXX opened an account fraudulently under my maiden name in a different state than I live. Despite countless tries to get in touch with the company I have never been able to get in touch with anyone. I have already opened formal disputes with transunion and XXXX and I am awaiting the response, however both companies advised me to contact XXXX directly and I am unable to get in touch with them. From what I have read online this is a new company and they have a history of opening fraudulent accounts.

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 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
In 2018, I signed up for a Khol 's credit card in order to qualify for some in-store details they often offer. Prior to the pandemic hitting full force, I went in person to a Khol 's in XXXX XXXX XXXXXXXX XXXX  and paid the remaining balance on my account which was {$140.00}. I did not use my card again after zeroing out my balance, a little over a year later I started receiving notices from a collection agency saying I owed over {$400.00} in principal balance along with accrued interest over a 12 month period. 

Over the next 3 YEARS I contacted Khol 's and the agency they use to collect debts over a dozen times, I always spoke to someone different and I was usually placed on hold for over an hour or hung up on all together. I finally submitted information to their fraud department in XXXXXXXX XXXXI which investigated the issue and determined that my payment was made and the case was resolved. 2 weeks or so later, I received another letter saying I still owed money. In a last ditch effort to be done with the issue after years of being harassed, I called and spoke to a representative who said " actually you only owe {$27.00} ( which is what they were trying to get me to pay monthly ), I agreed to pay the {$27.00} if they closed the case and stopped contacting me, sure enough I received another letter a month later asking for more money. This seems illegal that they are able to potentially affect my credit for a bill I already paid. I hope someone can help me get this situation resolved because it is starting to take an effect on me personally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I have disputed the amount of this debt with LVNV FUNDING LLC several times. The original debt was XXXX yet they continue to report a balance of {$6300.00}. Washington State, were I live has a maximum interest law on debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Regional Management Corporation
State: SC

Complaint narrative:
REGIONAL FINANCE # XXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. 

XXXX Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

XXXX This account is reporting XXXX different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On Saturday, XX/XX/2022, I received an email alert from XXXX that a new account had been detected by Equifax on my credit file, therefore impacting my credit score. Someone has fraudulently opened a " XXXX '' credit card or bank account in my name. Upon further investigation, I learned that XXXX XXXX  " is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. '' This is the second time that someone has opened a " XXXX '' account in my name and triggered an alert from the credit reporting agencies and the XXXX time I have wasted valuable time and resources investigating and disputing these nefarious activities. I have no interest in contacting XXXX XXXX  directly, as I am suspicious of their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On Saturday, XX/XX/2022, I received an email alert from Experian that a new account had been detected by XXXX on my credit file, therefore impacting my credit score. Someone has fraudulently opened a " XXXX '' credit card or bank account in my name. Upon further investigation, I learned that XXXX XXXX " is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. '' This is the second time that someone has opened a " XXXX '' account in my name and triggered an alert from the credit reporting agencies and the 10th+ time I have wasted valuable time and resources investigating and disputing these nefarious activities. I have no interest in contacting XXXX XXXX  directly, as I am suspicious of their legitimacy.

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 2022-07-29 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: NV

Complaint narrative:
According to FCRA all information on my credit report must be verified and accurate. In accordance with the Fair Credit Reporting Act TransUnion and XXXX has violated my rights. XXXX XXXX XXXX account number XXXX reporting inaccurate showing account open that is supposed to be closed. XXXX showing this account has been closed, FCRA says all report must be accurate, how can XXXX reporting this closed but not Transunion and XXXX! according to FCRA all inaccurate information must be correct or delete it.

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 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a XXXX balance on my Capital One XXXX card and no negative transactions or problems with that or any of my Capital One products. In XXXX I was charged a membership fee without any notification. This fee was charged interest and fees for 3 months before I became aware of the fee being placed. This was reported to the credit agencies and my credit score dropped by XXXX points for an unknown charge on a previously paid up credit card. No other effort was made to notify me of the unknown charges and now I am told I can not speak to anyone in the credit dispute center, that a letter is the only mechanism to dispute the fees and the negative credit score which may take up to 2 months to get resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was made aware via incoming mail that a BJs visa master card has been opened and established under my name ( balance amount : {$4300.00} ). I did not apply, sign for or authorize the creation of this account and further am not responsible for any of the charges made to said account. On XX/XX/XXXX, I dialed the number listed on the statement and informed representative XXXX XXXX XXXX in the fraud department of what had occurred ( phone numberXXXX ). I was informed by XXXX that they froze and canceled the account today ( XX/XX/XXXX ). Furthermore, I went to the XXXX XXXX Police Department ( 3rd Precinct ) and filed out an identity theft report ( CC # : XXXX ). Please advise on next steps with regard to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hi, I was on a forbearance with US bank and have been trying to resolve or speak to someone with authority at US bank. Each time I call I speak to a different person and get different answers regarding my home and resuming a payment plan. I have been given a point of contact and have never been able to speak to that person and when leaving a message the calls have never been returned. US bank has appraised my house 4 times now. I have to keep reapplying and resubmitting paper work. I have been trying to get back on a regular payment plan since XXXX of XXXX.They have sent an appraiser into my home 4 times. Each time they become more stringent or give me different answers and are apparently making me fully requalify for a loan. I have been told numerous times they will give me a modified loan. I am currently XXXX behind which keeps growing with their lack of offering a resolution. They tell me I have to pay that amount now and resume payments or face foreclosure or they tell me just reapply again. I cant even send in a partial monthly payment. I was told they wont accept it. I have never been late in 12 years before the pandemic but now they have told me that I do not qualify. On my forth attempt and run around they are asking me for a mountain of documents. I will be denied again as I cant prove my income. I am self employed. I can resume some sort of payments but I need to have the lump sum pushed to the back of the loan. They have made themselves unavailable or I can never speak to a person who has knowledge or authority to even answer questions.

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