vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Over the years, I've noticed this particular credit reporting bureau has always had my credit score well below the other two reporting agencies. I noticed that a lot of information that will have a positive result for my credit score isn't being updated on my report. I have several credit cards that are missing most of the information other credit card accounts have posted. I believe I'm not being fairly evaluated each month and it's affecting my credit in a negative way that result in denials of loans and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a personal dispute with my business partner, XXXX XXXX. We own a business in the state of California. I am XXXX, XXXX and he is white. He inaccurately filed a statement of information with the XXXX of XXXX which I caught and immediately noticed XXXX in person on XX/XX/2020. I brought them all the documentation. They refused to take it. Gave me reference # XXXX. 
I then emailed them all the documents and called the next day. No response. 
I went to another branch on XXXX XXXX on Tuesday, would not take any information or tell me anything. 
I called telephone banking several times and also spoke with numerous wellsfargo employees. 
I don't even know what the balance is an account that we have a credit card and I have XXXX of personal funds in. I went again today on XX/XX/2020 and tried to give them all the documents again only to receive and email from a XXXX XXXX stating they are still looking into it. Meanwhile my business partner has suspended access to our XXXX and I have no way of knowing what credit he is pulling on behalf of the company or what deposits or withdrawals are being made. 
I am getting collection calls from recurring expenses for the business. I believe my business partner is misappropriating funds from the Pay Check Protection Program. 
I have no way to even find out right now. I noticed wellsfargo of the fraud and they did nothing. Nothing.

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 2020-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a personal credit card account with Bank of America. The last payment to this account was made on XX/XX/XXXX and the account first became delinquent on XX/XX/XXXX since I did not make any of the payment that was due on XX/XX/XXXX. This account was charged off in early XXXX due to non-payment. The account is scheduled to be removed from my credit report later this year as it will have been seven years from the Date of First Delinquency. 

Bank of America continues to incorrectly report to XXXX  and XXXX  the Date of First Delinquency to be XX/XX/XXXX. The account was deleted from my XXXX  credit report last month as it has become obsolete. I have tried disputing this information with both XXXX  and XXXX  several times during the months of XXXX and XX/XX/XXXX. The credit bureaus tell me that Bank of America continues to affirm that the Date of First Delinquency is on XX/XX/XXXX. I attached documentation to my disputes which include XXXX XXXX  account ( the account from which I always paid the bill ) statements as well as e-statements provided by Bank of America which reveal successive increases in both the account balance and minimum monthly payments due to non-payment of the account. My bank account statements and e-statements concur with the last payment being made on XX/XX/XXXX ( posting on XX/XX/XXXX ) with no payments made afterwards however Bank of America is not changing their story. 

My entire issue is only asking to adjust reporting of the Date of First Delinquency by one month ( correct date of XX/XX/XXXX and NOT XX/XX/XXXX ) or simply remove the old account from the two credit bureaus as it is going to fall off later this year anyway.

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express refused a purchase on XX/XX/XXXX that was within my credit limit with no warning and then decreased my credit limit by 30 %. Two of the reasons listed for its decision was my FICO credit score and my percentage of utilization of revolving credit. In  lowering my available credit limit, both factors will be further negatively affected. I spoke with a customer representative from American Express who said that my credit could be restored with a {$250.00} payment to be applied towards my balance on the account in question or by submitting additional personal financial information. 

My complaint stems from the fact that my credit limit was lowered without warning, which will only further impact my credit score which American Express cites as a part of their reason for their action, and that the only grounds for having it restored are additional payments on an account that is current with no payment due or by submitting additional personal financial information. American Express ' actions and resolution processes are predatory and aim to bully its clients ( me ) into early payment or unfair disclosure of additional personal financial information. 

Furthermore, at the time of writing this complaint, I have yet to receive a letter or email from American Express detailing in writing their specific process for restoring my credit limit all of this information was presented to me over the phone by their customer service representative, so I can not review this information myself or attach American Express ' requirements to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed bankruptcy well over 8 years ago, it's still showing on my credit report and causing me credit problems.

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 2020-06-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Letter dated XX/XX/XXXX XXXX XXXX  USAA Accounts 1 ) XXXX 2 ) XXXX We are currently processing and will NOT BE CONDUCTING FURTHER INVESTIGATION. See attatched 1099- C DEBT DISCHARGED 3 )  XXXX CANCELATION OF DEBT XX/XX/XXXX. 
I attatched documents previously Equifax DID NOT ADDRESS A THIRD ( 3 ) Account. I also attatched documentation USAA MASTERCARD STATEMENT 4 ) XXXX XX/XX/XXXX BAL {$100.00}. Equifax did NOT ADDRESS THIS ACCOUNT. I see four ( 4 ) USAA DIFFERENT ACCOUNT NUMBERS???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I want to close my account and they will not respond l have gone on line and call and all I get is recording with no way to cancel my account. There is fraud going on.

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 2020-06-12 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:
A while back I was a victim of Identity theft. My personal info was stolen during a data breach. I followed the steps from the Federal Trade Commission and filed an identity theft report. After sending my report to XXXX, Transunion and XXXX  only Transunion was the company that ignored my report. That's why I turned to you guys the CFPB. I shouldn't have to take these measures to get things done. I just want to correct my Transunion file by removing those fraudulent inquiries.

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 2020-06-12 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I disputed this charge with XXXX and PayPal. As I detailed in my complaint PayPal allowed XXXX XXXX to charge me for a trial that I had zero recollection of ever requesting a trial. I never used the XXXX service. I explained to XXXX, PayPal, and XXXX if I was on a trial I would have used this service. The representatives I spoke with agreed that it was not used and that you should not be charged for something you did not use. I discovered that I had this charge when reviewing my statement. I'm being charged for a service I never used and because of some technicality or unfair glitch it is unreasonable and stands on the border of unethical billing practice. Further PayPal has just dismissed me and refuses to acknowledge me. The arbitration clause has given way to disrespectful representatives and an over all lack of concern for the consumer. Pleas see details times, dates, etc! 
- negative {$99.00} XX/XX/2019 Software Automatic Payment " XXXX XXXX XXXX XXXX XXXX '' Loading transaction details for XXXX XXXX - negative {$99.00} XX/XX/2019 Software Automatic Payment " XXXX XXXX XXXX XXXX XXXX '' Paid with XXXX XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX XXXX '' on your card statement. 
Manage XXXX XXXX payments Category Software Transaction ID XXXX Seller info XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase details XXXX XXXX XXXX XXXX XXXX   {$99.00} Total {$99.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
When my vehicle was purchased it was explained we had a 10 day grace period to make a payment. I do not receive a monthly statement and even the online portal shows nothing about payments or fees. However, after a lot of searching found out the company has no grace period and we have been charged an unspecified amount in late fees. I have XXXX clue how much of my balance is even fees due to a lack of statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
Quicken sent out a loan estimate to me and then took it back and gave me a higher rate with no proof or change in circumstance for why it changed. 

My loan estimate was for 2.75 % at 25 years and a loan balance of {$140000.00}. 

Once I agreed and asked about a rate lock, they tried to take back the estimate provided. They are now stating I need special approval just to get 2.99 % at 25 years and a loan balance of {$140000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased a new product through Paypal. The product arrived opened and missing pieces. I requested a refund and opened a dispute with Paypal. Paypal alleges emails were sent and not responded to and therefore closed my claim. Within days when the claim appeared closed on my Paypal account, I contacted Paypal again who provided dates that messages were sent by email ; however, after reviewing my inbox and junk folder, I verified that I never received the alleged emails. Paypal then refused to provide copies. 

Although Paypal also maintains its own message center, these alleged emails were not copied to that message center and these communications also do not appear in Paypal 's own resolution center console. 

Obviously I can not respond to communications that are never sent. Paypal violated its own customer agreements and in effect, stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I received 2 late fees from PNC Bank for paying my credit card bill on the due date over the phone after XXXX. I was not made aware that a payment made after XXXX is considered late. On both occasions I asked the PNC employees if the payment would post on the same day and I was told yes. I noticed a late fee on my account and asked for it to be over turned because I paid on time. They denied my request. I do not think that this is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
On XXXX XXXX my wallet was missing with my card that was use in it when I got Home and login on the app I saw that my card was use and {$400.00} was withdrawn 6 times I contacted the bank right away and told them about it I report it to the local police department here and filed a police report they started an investigation I give them information of the place I was at the time of the incident the bank to me they was going to get back to me but I never hear from them not even to call and question me about it I call them many times but customers service will tell me fraud department will contact me which they never did after almost a month they send me a littler saying my claim was denied I try to talk with them on the phone but it was never possible the police said they saw the person and the location but the camera on the ATM wasnt clear to identify the person so case close I ask the bank to reopen the case they said ok on the phone since its all online and I cant go there in person and I told them it been more than a month since I havent got a single call from them after they open the case which has been since XXXX I still havent got a phone call from them or a litter i been calling all they been telling me is that fraud department will call you and they havent I have not gotten a single call from them since XXXX when I told them about my card been use my someone other than me they also said that my card pin wasnt changed so how the person use it i dont know and they couldnt explain it to me either because no one knows my pin and my pin was not displayed anywhere on my card or in my wallet and I was along at the time when my wallet got lose Im tired calling them and they recently told me no one was working on my case but it was just sitting there so I had it with them I been patient it been 4 months now and Im tired so I bring it to you I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: WA

Complaint narrative:
Recieved a phone call from XXXX on XX/XX/2020 at XXXX XXXX. 

Caller stated he was was from credit card company and had received information on me about credit card debt from Experian Credit Reporting Service. 

Caller stated could eliminate all credit card debt. When I told the caller was not interested, caller said are you stupid? When asked again how they acquired my information caller stated Experian Credit Reporting Service and said I was a XXXX XXXX. 

I hung up.

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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a personal dispute with my business partner, XXXX XXXX. We own a business in the state of California. I am XXXX, XXXX and he is white. He inaccurately filed a statement of information with the XXXX of XXXX which I caught and immediately noticed XXXX in person on XX/XX/2020. I brought them all the documentation. They refused to take it. Gave me reference # XXXX. I then emailed them all the documents and called the next day. No response. I went to another branch on XXXX XXXX on Tuesday, would not take any information or tell me anything. I called telephone banking several times and also spoke with numerous wellsfargo employees. I don't even know what the balance is an account that we have a credit card and I have XXXX of personal funds in. I went again today on XX/XX/2020 and tried to give them all the documents again only to receive and email from a XXXX XXXX stating they are still looking into it. Meanwhile my business partner has suspended access to our XXXX and I have no way of knowing what credit he is pulling on behalf of the company or what deposits or withdrawals are being made. I am getting collection calls from recurring expenses for the business. I believe my business partner is misappropriating funds from the Pay Check Protection Program. I have no way to even find out right now. I noticed wellsfargo of the fraud and they did nothing. Nothing. 

Today is XX/XX/2020 and I can not even pay recurring expenses and getting collection calls.

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 2020-06-12 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Good Afternoon, XXXX I have tried disputing these negative errors on my credit report, for not paying. I disputed with XXXX, Comenity Bank, by uploading, mailing documents of payment history. I have all of the documents of the payments made. I had set up a payment plan with Comenity Bank to have the money withdrawn from my account each month, in which they did. 
Then they closed my accounts, without my knowledge. With them not updating my credit report, It has been stressful for my health. I already have serve health condition, which has gotten worse during this stressful time of going back and fourth. 
I would like this resolved, so I dont have to go through this anymore. If I was in the wrong, I would understand, but I am not and have PROOF of all my payments. 
With them not removing the negative late payments, has caused me to have an extremely high interest rate with a car loan and car insurance. 
I started disputing these items XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and again XX/XX/XXXX. 
If someone could get back to me, keep me updated, I would appreciate it. All of my documents are attached. 

Best, XXXX XXXX XXXX XXXX XXXX, XXXX  Rhode Island XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This account don't belong ro me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Pnc will not allow XXXX to verify balances.

Company response to consumer: Closed with explanation