vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Purchase made online with merchant on or about XX/XX/ 2020 in the amount of {$380.00}, this should have been processed as a 6 months interest free option, providing that if I pay this in full within this period, I will not pay interest. This somehow was processed as a regular purchase. In fact, a purchase after the one mentioned above in the amount of {$140.00} was processed on the promotional plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In XX/XX/XXXX I financed a XXXX XXXX XXXX with around XXXX miles for {$14000.00}. I have to date paid {$9600.00} on the loan to Bridgecrest. I looked at my payoff today and the amount to payoff loan was {$15000.00}. How is it possible for a auto loan company to apply 0 to your principle for 21 months. I had an appraisal done for trade value and the car is worth {$4000.00}. I can not sale. I can not trade in the vehicle. At this rate it will be trash before it can be paid off. How are companies aloud to be predators to consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: IN

Complaint narrative:
I've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files.

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX   {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX  10 ) 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 explanation
Consumer complaint received 2020-05-17 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: AES/PHEAA
State: NV

Complaint narrative:
Fed Loan Servicing i paid in XXXX Fed loan is not reporting correct as the virus effected accounts with fed loan. i have paid all payments on time. I have not had late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX  6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) 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 explanation
Consumer complaint received 2020-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX my payment for XXXX did not go through when it was on XXXX 
I reached out to the company and they said that they saw the payment come out of the bank but it was rejected. They never notified me of this rejection and gave me this late payment. I now can not get a mortgage because of the mark on my credit and this company will not help me with this unfair solution. This had also happened On XX/XX/2019 payment Capital one had assured me that there would be no late payment reported and my account would be reported to all 3 credit bureaus as being current. 

Then On XX/XX/XXXX this same thing happaned just like what had occured in XXXX. 
and now I have a 60 day late payment on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: CA

Complaint narrative:
On XX/XX/2020, I mailed a letter to Experian in regards to accounts listed on my credit report. I wanted Experian to verify the listed accounts below. 
XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX Massachusetts XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Being that I had not heard from Experian so on XX/XX/2020, I mailed a No Response Letter asking for deletions of said accounts. Additionally, I mailed a new letter on the same day asking for vertifications of the accounts listed below. 

XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account As of XX/XX/2020, I still have not received any correspondence from Experian regarding both letters mailed to their office.

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 2020-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I contacted representatives from the following entities, XXXX and Bank of America. 

I received confirmation from both creditors that it would not face negative consequences due to COVID19. As you may be aware, NY was under quarantine for over 2 months which has prevented an steady flow of income. Both representative advised me that the only thing I should be aware of is that the balance would still accrue interest throughout the payment deferral. 

Unfortunately, these representatives did not stick to their word and now my credit has been impacted severely. If that was going to be the case, they should have CLEARLY advised that. I have accounts with other creditors who had advised me the same and there are no derogatory remarks on those accounts. 

As a resolution, I would like Bank of American and XXXX to remove any derogatory remarks from my credit report. 

According to the Fair Credit Reporting Act, it is absolutely necessary to report my credit information in a fair and accurate manner. Due to the misleading information provided by the creditors, I urge that this be implemented as soon as possible.

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 2020-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Harrassing phone calls and fraudently filed a judgement even though they ( midland credit ) took money out of my checking account without authorization from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX i paid in XXXX XXXX XXXX is not reporting correct as the virus effected accounts with XXXX XXXX. i have paid all payments on time. I have not had late payments

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 2020-05-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  XXXX XXXX i paid in XXXX XXXX XXXX is not reporting correct as the virus effected accounts with XXXX XXXX. i have paid all payments on time. I have not had late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: MO

Complaint narrative:
The following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and XXXX data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXXXXXX 7 ) Dept of ED/ XXXX {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX  {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX   XXXX {$21000.00}

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/20, I attempted to close my bank account and credit account with Chase bank. I was refused from closing my account and Im unable to pay my credit card bill because they have locked me out of all of my accounts and removed online access. 

I can not set an appointment to visit my local branch because of the corona virus. No person on the phone is helping be to solve this issue after all day on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and Equifax data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXX  7 ) Dept of ED/ XXXX   {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX   {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX XXXX {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and XXXX data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXX  7 ) Dept of ED/ XXXX  {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX   {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX XXXX {$21000.00}

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 2020-05-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted representatives from the following entities, Citibank and XXXX  XXXX XXXX. 

I received confirmation from both creditors that it would not face negative consequences due to COVID19. As you may be aware, NY was under quarantine for over 2 months which has prevented an steady flow of income. Both representative advised me that the only thing I should be aware of is that the balance would still accrue interest throughout the payment deferral. 

Unfortunately, these representatives did not stick to their word and now my credit has been impacted severely. If that was going to be the case, they should have CLEARLY advised that. I have accounts with other creditors who had advised me the same and there are no derogatory remarks on those accounts. 

As a resolution, I would like XXXX  XXXX XXXX and Citibank to remove any derogatory remarks from my credit report. 

According to the Fair Credit Reporting Act, it is absolutely necessary to report my credit information in a fair and accurate manner. Due to the misleading information provided by the creditors, I urge that this be implemented as soon as possible.

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 2020-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am being harassed by Credit Acceptance. I got a car loan with them. About 4 maybe 5 month ago I made arrangements to make payments because I was struggling to make it on time. The lady I talk to said that i owe XXXX and the car will be paid off. A little over a month ago I got a call from them saying That I owe XXXX. I ask how is that possible when I know I've been paying on the agreement I made. I just made my last payment this week and they are still calling me sometimes 10 times a day no exaggeration. I feel like they are lying to me, and trying to get more money from me knowing I've paid off my car. I need help so they would leave me alone.

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/2019 USAA statement. First page CONFIRMS CREDITS XXXX  {$200.00} {$280.00} {$150.00} XXXX {$230.00} Next page Continues with $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX ( TOTAL CREDITS SHOWN with minus signs above total line FOR THIS PERIOD IS TRUTH ** IS AN INCORRECT TOTAL OF THESE CREDITS. CORRECT TOTAL IS {$2.00}, XXXX. WHY IS USAA IS MISSING {$1.00}, XXXX CREDITS. USAA TOTAL CREDITS THIS PERIOD ARE ONLY {$910.00} all merchants credits. THIS IS INCORECT MATH. THIS IS SUPPOSED TO BE A ** TRUTH IN LENDING STATEMENT. USAA DECEIVES. ( USAA ONLY PRETENDS TO GIVE CREDITS BY LISTING THEM ) ** Kindly Note with cute little ( - ) MINUS SIGNS that ARE NOT INCLUDED IN TOTAL CREDITS. Then REVERSES MERCHANTS CREDITS AS USAAs LEAVING CONSUMERS WITH THE ORIGINAL FRAUD AS IF MERCHANTS CREDIT WAS NEVER PROVIDED. HUH?? USSA POSTS A NEW TRANSACTIONS FROM CREDITS NOT APPLIED??? HOW DECEPTIVE??!!! THIS IS NOT TRUTH IN LENDING FAIR CREDIT!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Accounts Service, Inc. (Indiana)
State: NM

Complaint narrative:
The manager of the company XXXX XXXX threatened to sue me, get me arrested for not paying a debt he claims I owe. He stated they own the debt not XXXX plan and they are reporting on my credit report that XXXX plan owns it. He threatened to ruin my credit and did. I am trying to start a business and cant get funding due to him lying about my income, lying about my debt, telling my entire family I owe a debt and I dont believe its mine. I never got a letter from the company that he runs. He is my cousin and told my entire family about this issue and they believe I am a bad person because of his lies. Professional account services. PAS of XXXX   XXXX, in. He also threatened to to continue charging me interest on it as though it was active and he has done so. He also has cussed at me and lied about my income etc. he XXXX fed I pay immediately or suffer the consequences. he has violated all of these laws : Initial demand letters that ask for payment immediately or in less than 30 days. ( By email and phone call ) The debt collector is required to inform the consumer in the first communication or within five ( 5 ) days thereof that the consumer has thirty ( 30 ) days within which to dispute the debt, request in writing verification of the alleged debt, and/or request in writing the name and address of the original creditor. To contradict or overshadow this thirty ( 30 ) day period my violate the FDCPA, even if the debt collectors contradiction is not threatening. ( he did not inform me they held the debt I had to contact the company due to it being on my credit report as a write of of {$5300.00}.

Accusing you of having committed a crime. ( he accused me of stealing due to not paying ) Contradicting or Overshadowing of the Thirty Day Validation Notice. ( By phone ) The collector is required to inform the consumer in the first communication or within five ( 5 ) days thereof that the consumer has thirty ( 30 ) days within which to dispute the debt, request in writing verification of the
alleged debt, and/or request in writing the name and address of the original creditor. To contradict or overshadow this thirty ( 30 ) day period within which the consumer may exercise his rights violates the Act. The contradiction need not be threatening.

He was very threatening and mean and cruel.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Hello, I am requesting information as to why Bank Of America 's {$0.00} Liability policy is being disregarded here. I have attached information regarding the failure of Bank of America to provisionally credit my account during the investigation of a {$5000.00} transaction with XXXX XXXX XXXX, XXXX. As part of this transaction, the merchant was contractually obligated to provide me with several products and failed to do so. I completed an Unauthorized ACH Return Form and submitted it via fax on XX/XX/2020. I called Bank of America and spoke with a representative on XX/XX/2020. The representative shared that Bank of America was in the process of recovering the funds and that I would receive a temporary credit within 10 business days. As of today, XX/XX/2020, I have still not received this credit. Thanks for your support and please advise regarding next steps. 

Best, 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 explanation