vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX and XXXX XXXX XXXX Alliance Data XXXX Loyalty Circle CoXXXX, OH XXXX Re : XXXX/Comenity Credit Card Account # XXXX XXXX XXXX XXXX Dear Mr. XXXX, On or about XX/XX/2021, I received an alert about an account delinquency from my credit monitoring service. I was informed that my payment for my XXXX/Comenity credit card was missed and reported XXXX to XXXX days past due. This was the first notification I received and immediately paid the entire amount due and brought my account current. 

During these past months, our family has been impacted by COVID-19 both personally and financially. We've made every effort to stay current with our debt obligations and I have never been late with any payments as my credit reports show - in fact, I have never missed a payment in over 15 years. Regrettably, with all that is happening, I inadvertently failed to pay my XXXX/Comenity credit card by the due date, and made the payment after 30 days had elapsed. This was never my intention, but my mind was simply elsewhere with all the COVID-19 worries and stresses we've been recently dealing with. COVID-19 has brought our family too much agony and recent deaths.

Such reporting from XXXX/Comenity adversely impacted my credit rating and lowered my overall credit score in excess of 75 points. I have included copies of my credit reports from before and after the adverse reporting, which are dated XX/XX/2021 and XX/XX/2021, respectively. 

As we all know, creditors and credit lines are our financial lifelines and absolutely necessary during all phases in our lives, especially now with so many families falling on hard times. Unfortunately, the information reported by XXXX/Comenity has a significant impact on my opportunities to solicit new credit lines or take advantage of refinancing my mortgage at a lower interest rate. 

In light of the above, it is important that you know that I understand my financial obligations and responsibilities, and that I'm not trying to skip or ask for any debt forgiveness. I am simply asking that you please approve a onetime courtesy adjustment and delete/suppress the XXXX to XXXX days past due reported on my credit report. Your deletion/suppression will help me tremendously with restoring my credit worthiness and being able to secure new lines of credit. Thank you in advance for your understanding and consideration and am hopeful that you can assist with my request. 

Sincerely, XXXX XXXX ( P ) XXXX ( E ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: OH

Complaint narrative:
AS shown in the attached photos, an account was deleted because it could not be VALIDATED! XXXX XXXX XXXX had put the account back on my credit report under another corporation name ( XXXX XXXX ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( XXXX XXXX XXXX ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO EQUIFAX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Accounts is in litigation and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
I am an XXXX. I had a client trust account ( IOLTA ) with XXXX XXXX, which was recently purchased by Pacific Premier Bank. On XX/XX/21, I deposited what I believed to be a certified check from XXXX ( {$75000.00} ) which was purportedly a " client 's '' settlement check. I asked the teller what the hold time on the check was. He said there was no hold time because it was a certified check. I asked how long before the check actually cleared. He said usually quickly. The next day, XX/XX/21, I went back and asked the same teller if the check had cleared. He said funds were available. I said that I needed to know if the check had cleared ( I already knew funds were available from the previous day ). He called over the assistant branch manager, and they reviewed something on the computer, then said the check had cleared. Based on that information, I then wired the money to the " client. '' Three days later, the bank notified me ( on XX/XX/21 ) that the check was counterfeit and that my IOLTA account was overdrawn. Initially they said the bank would cover the loss, but changed that in subsequent days. On XX/XX/21, I signed paperwork for Pacific Premier to try to get the funds back from the receiving bank ( XXXX ). The next week, Pacific Premier told me they were able to get back ~ {$47000.00}, but that ( according to them ), I owe the difference. 
I asked if they initiated a fraud investigation, they said they won't. I asked if they contacted law enforcement, they said no. I am the victim of fraud, and they are not helping me or law enforcement to find the perpetrator. Also, on XX/XX/21, the assistant branch manager told me that another branch of Pacific Premier had recently experienced a similar scam, involving the same " company '' as in my case. But that branch did not send an alert to other branches. Had they done so, my branch might have noticed the same company name on the check, and this could have been prevented. The bank did not take reasonable steps to watch for a known scam, they said the check had " cleared '' when it had not ( and I relied on this information ), and they failed to report the fraud scam to authorities, or to help me identify who scammed me. This is a serious breach of their fiduciary duty to me, their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had a charge on my credit card for a large amount of money back in XX/XX/2020. It was for {$4400.00}. I and my husband are the only authorized users of the card and neither of us made this charge/purchase. My husband very rarely uses the card.The only info attached to this charge was that It was to a XXXX account with a very strange name and a phone number in CA.I don't even have a XXXX account and nor does my husband. I filed a fraud claim with the credit card company. They denied the claim. I then filed a police report on the fraudulent charge and appealed to the credit card company and after 2 months they denied my claim again saying that even though i did not personally make the charges they confirmed that an authorized user of the card had. They gave me no information on how they " confirmed '' this. They didn't even tell me who the merchant was. No one was given permission to use my card for this charge. I absolutely do not want to be responsible for this charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I misplaced my CareCredit Mastercard when I moved to my new house. I called MySynchrony on XX/XX/2021 to ask that they send me a new card, preferably with my original card numbers. They could not send one with the original card numbers but they said they were sending one. I use my CareCredit Mastercard for many purchases, including vet visits because of the reward benefits and the promotional purchase benefits. I just went to my XXXX to pick up XXXX for my XXXX cat and was told they were unable to locate my account. I logged into my CareCredit/Synchrony Bank account online and it is showing my account it closed with a XXXX dollar balance. 

My cat is extremely XXXX and is scheduled to have a XXXX on Thursday, XX/XX/2021, which I need to be able to use my CareCredit so that I can charge it under a promotional purchase and finance for 0 % for 6 months. However, your company has disabled my ability to ( 1 ) use my over {$11000.00} available credit ; ( 2 ) finance my cat 's XXXX for XXXX at 0 % ; and ( XXXX ) made it so that I will not receive the reward benefits for charging her procedure. Not only has this created undue financial hardship, it has also created emotional hardship, as I am going to have to figure out what I am going to do at this point since my cat has to have this procedure to assist with diagnosing her XXXX. It make zero sense that my account shows as closed with a XXXX dollar balance but your company states I owe over {$3000.00} but there is no way for me to access that account. Also, your representative knew I had not received my card, but he activated it. Then, I am told that it is activated ( and is somewhere in the mail ) but I still do not have access to the account. 

Previously, all of my encounters with your company have been wonderful. At this point, I am seriously disappointed with your company and the lack of quality or care offered to my situation. I have been a great customer for approximately 10 years. I make my payments on time. It makes ZERO sense that your company has disabled my ability to use MY account which I have a credit limit of {$15000.00} because of a reason no one knows. Also, it make zero sense that if I went and opened a CareCredit account right now at a XXXX, I would have access to use the account, but you can't give an established customer access to their account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: GA

Complaint narrative:
While XXXX with the United States XXXX, I received late charges to my XXXX 's credit card account. Prior to XXXX I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the XXXX XXXX XXXX department and reported negatively on my credit report with all three bureaus. 

Once off XXXX, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the collection agency and credit bureaus to have the account removed under the SCRA with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
In XXXX of 2020 I was saddened to see my credit was dramatically affected by an unfair miscommunication on behalf of American express. I was made aware my American express Gold card was delinquent. I was furious because I was assured by an American Express Rep my card was on Auto-Pay when it clearly was not. I paid the total amount on the card in full upon my acknowledgment of delinquency and politely ask we get this taken care of as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi! 
After reviewing my credit report and after much research, I notified XXXX XXXX and transunion to verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXX, but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my XXXX, XXXX, and Transunion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi! 
After reviewing my credit report and after much research, I notified equifax XXXX and transunion to verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXX, but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my Equifax, XXXX, and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: AL

Complaint narrative:
Hi! 
After reviewing my credit report and after much research, I notified XXXX Experian and XX/XX/XXXXto verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXXXXXX but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my XXXX, Experian, and XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My card was used without my permission, consent, or authorization to make purchases and transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Stated that there was no evidence of a predatory loan and not helping as a result. Just continuing to place me in predatory modifications.

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 2021-01-23 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: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
AS shown in the attached photos, an account was deleted because it could not be VALIDATED! WAKEFIELD & ASSOCIATES had put the account back on my credit report under another corporation name ( REVENUE RECOVERY ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( WAKEFIELD & ASSOCIATES ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO XX/XX/XXXX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TX

Complaint narrative:
XXXX # XXXX I have no knowledge of this account see cfpb XXXX XXXX # XXXX I have no knowledge of this account CFPB XXXX # XXXX I have no knowledge of this account sent cfpb XXXX # XXXX I have no knowledge of this account XXXX # XXXX I have no knowledge of this account see CFPB was filed XXXX # XXXX The balance and/or past due amount are/is incorrect XXXX XXXX # XXXX I have no knowledge of this account XXXX XXXX # XXXX I have no knowledge of this account sent CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: CA

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, i also spoken with XXXX on XX/XX/XXXX about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX,. I did not authorize any of these inquiries. I am requesting that all above unauthorized inquiries be removed immediately from my Equifax credit report due to my identity been stolen. I have attached my FTC report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: OH

Complaint narrative:
AS shown in the attached photos, an account was deleted because it could not be VALIDATED! XXXX XXXX XXXX had put the account back on my credit report under another corporation name ( XXXX XXXX ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( XXXX XXXX XXXX ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO EQUIFAX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!! THEY ARE IN VIOLATION OF 15 U.S.CODE 1692B AND 15 U.S.CODE 1692G

Company response to consumer: Closed with explanation