vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Comenity JCrew credit card bill comes in with a payment due date. Prominently displayed on the front of the bill is a note that states a mailed payment must be received by XXXX est at the address provided. On the due date, at XXXX est, I logged on to my online account to attempt to make payment. At that point, I was only able to schedule payment for the following day ( 1 day after due date ). On the website, I learned online payment and telephone payment cutoff time on the due date is XXXX est. I could not schedule my payment so it would be timely received. I called customer service and was advised of the policy I read online. I also learned that the XXXX est cut off time is disclosed on the bill, but it is not prominent and buried in the fine print on the back of the bill. The representation I spoke with on the phone agreed to remove the late fee ( {$40.00} ) when it is charged on XX/XX/XXXX. That is acceptable to me, however, I believe the cut off time for online payments should be prominently displayed because I believe comenity uses this policy ( much like their deferred interest plans ) in a deceptive manner that is capable and targeted to the consumer public at large. It is clearly designed to obtain late fees from customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase advertised that once I spend {$7500.00} with in 90 days of opening the card, I will get XXXX points equal to {$750.00}. I have fulfilled and spent more than {$7500.00} and now chase is saying they do not honor it because they are not posted before XX/XX/XXXX. I as a customer do not have control over when the merchant charges or chase posts the charge as I have a document proof that I made purchase on XX/XX/2022 which is well before the offer deadline of XX/XX/2022. 

I feel like these banks have cheated me in opening their card and made me spend all the money without offering their end of the bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
I am intrested In disputing all incorrect information on my credit with experian.

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 2023-01-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
MY TD CREDIT CARD WAS HACKED. I CALLED TD AND THEY SAID THEY ARE SENDING ME TO DISPUTE AND WILL CANCEL THE CARD I WAS TOLD A NEW CARD WOULD BE SENT TO MY HOUSE BUT TWO DAYS LATER WHEN I CHECKED MY CARD I NOTICED MORE MONEY WAS TAKEN OUT. 
I CALLED TD ONCE AGAIN AND WAS TRETED DREADFULLY AND WHEN I WAS SENT TO FRAUD THE PERON IN THAT DEPARTMENT SAID MY GOODNESS YOU WERE HACKED WHILE THE CARD WAS IN TD 'S POSSESSION. IASKED THEM WHEN WOULD I GET MY MONEY THEY SAID IF ITS PROVEN A FRAUD THEN PERHAPS IM60 DAYS THEY WILL DECIDE TODAY I RECEIVED A LETTER FROM TD DENYING THE FRAUD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Our loan was transferred from The XXXX XXXX to PNC Bank in XXXX. Prior to the transfer, The XXXX XXXX sent us an Escrow Account Disclosure that stated we needed to pay {$260.00} or our would increase starting XX/XX/XXXX. Since I was already told that our loan was being sold AND MOVING TO PNC Bank as of XX/XX/XXXX I was confused. So I called The XXXX XXXX  and told them I wanted to pay the amount due of {$260.00} but since our loan is being transferred do they recommend I wait and they said that's fine. So XXXX comes and PNC Bank finally sent us our first mortgage statement and it's our normal payment due of {$2600.00}. Nothing else comes in the mail until the next statement that says this payment is {$3400.00}. We called them right away to find out what happened. They said it's our escrow. We looked at the different statements and saw they are now requiring an increase in our escrow by an additional {$720.00}. Our payment was due but they ( PNC ) said we had to make payment now and we can figure it out in the next week or so. So we had the increased payment. I called back to PNC a week or two later to see if they figured out the problem yet and was told yes, they don't know New Jersey taxes so they double charged us ( County & City taxes ). I asked if this being fixed they said we are putting in another request for the escrow department to take another look at the account and they told me to call back in about a week. I call back again to follow up because another payment would be due again for XXXX and I was told another run around that we don't have any answers so you'll need to make another large payment. Now here we are in XX/XX/XXXX and another payment is due. I called today and they still don't have any answers. They just keep telling me to make these large payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
I have been in contact with my mortgage company since XX/XX/XXXX when I was having financial issues, and my pay was cut in Half. I lost time being out for XXXX etc. There was so much miscommunication every time I called. I have stayed in contact with the mortgage company contacting them continuously and providing any information they needed. One representative I spoke with in XX/XX/XXXX stated the only option I had was to split the late payments up and add them on to my next payments. This would increase my payment each month. How can I pay more if I am unable to make a normal payment!! I told her this and she had already set me up with this arrangement! I said that I couldnt do it and to let me speak with someone else. Spoke with another representative that stated I was approved for the forbearance that they only wanted the question what has gotten me behind XXXX if I would be able to resume payments normally afterwards. Which I answered. Called back in a week and they said I was not approved for anything and the questions did not satisfy the big decision makers. the collection emails, calls and even coming to my home hand delivering letters. I have gotten a new job as of XX/XX/XXXX. I have made several payments every time I am paid and I am now due for XXXX according to the representative I spoke to on The phone in XXXX XXXX when I paid another payment. Today I received a letter regarding intent to foreclosure today. This letter was sent even after speaking with them and making payments. Never once gave me any helpful info. I took it upon myself to speak with a HUD COUNSELOR and he has been helping me and telling me what rights I have and assisting me with how to speak with the mortgage company. This is the reason I am contacting you today.

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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: PA

Complaint narrative:
on or about XX/XX/2020 I requested a copy of my check system report I discover several errors. including fabricated name and address by check system name I never use in the past included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more, but the check system refuse to correct my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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:
To whom this may concern, In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXXXXXX in the amount of XXXX 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 602 A. Section 2 : also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today, XX/XX/2023 I have received an alert from XXXX saying I had a new alert on my credit report from Bank XXXX XXXX as a hard inquiry trying to open up a new credit card with them as it is not true and that I am a victim of identity theft with someone else trying to open a credit card under my name from my bank. I have contacted XXXX and now I need to contact Transunion and XXXX as well. I just needed to do a police report first before moving forward.

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 2023-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My credit was fraudulently used to open an old navy card and I need it fixed

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 2023-01-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I made an online payment from my XXXX Bank Account to Comenity Bank for {$4700.00}. This was well before the due date of XX/XX/XXXX. When I received the next statement on appoximately XX/XX/XXXX the payment had not been credited to my account. I called Comenity and told them that i had sent the check and they claimed that they did not receive it. I told them that I would stop payment on the check and reissue the check. I asked them to waive the late fee of {$28.00} and the interest of {$130.00}. They agreed to waive the late fee but refused to waive the interest. I filed a written complaint with Comenity on XXXX and they have not taken any action. When I received my next statement they charged a return check charge of {$28.00}. I stopped payment on the check when they said they had not received it on XX/XX/XXXX. I called today and asked them to remove the {$28.00} charge and after speaking to XXXX people they refused to do so. 

I also had charges from XXXX XXXX on my XXXX and XXXX Statements that were not authorized. I suspect this was fraud and I do not know if Comenity is complicit in this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - Submitted dispute with XXXX and requested XXXX XXXX be placed on my credit report after noticing negative credit rating and never having received a bill/statement. 

XX/XX/XXXX - received collection agency statement from XXXX XXXX XXXX XXXX collection agency on behalf of XXXX XXXX in the amounts of {$480.00}, {$290.00}, and {$220.00}. Services were rendered in XXXX and XXXX, TX. I reside in XXXX XXXX, TX. 

XX/XX/XXXX - called XXXX XXXX and filed a dispute. They advised the Social Security XXXX associated with the debt was my SSN. XXXX XXXX requested I file a complaint with local police department and Federal Trade Commission to assist further with fraudulent account. I requested address where services were provided but was informed information can not be disclosed. 

XXXX informed me that the energy services were provided to me in XXXX and XXXX, TX. I have lived in XXXX XXXX, TX for the past 18 years. XXXX did notify me that they do not provide services to the XXXX XXXX area.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/2021 I was notified by text message of my debit card being utilized in a XXXX. The first and only alert I received I checked my online banking to discover 14 total transactions had been approved without my authorization. I reached out to my bank letting them know I didnt approve those transactions. I then was issued a new debit card and credit for the fraudulent transactions. I then received follow up saying my claim was denied, I put in a new request for follow up. I then am told that my request was denied again due to transactions being in places I frequent. I asked for further remark and received none. Now my account is closed due to me not getting the fraudulent charges removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months XXXX  Activity Designator Creditor Classification XXXX XX/XX/XXXX {$XXXX} I have never owned a credit card from them. 

DID NOT AUTHORIZED XXXX XXXX XXXX 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

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 2023-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I purchased a vehicle through XXXX, and later refinanced my car through XXXX XXXX XXXX XXXX, for the remainder of my loan, ( note : I no longer have the original agreement because this was done over the phone/email back in XXXX  ) XXXX XXXX XXXX XXXX acquired by pen federal and the remaining balance of my loan was transferred to pen federal. The agreement of the loan include 8 months no monthly interest/payment. My car was later stolen and my insurance company paid the market price for the vehicle to the loan company. I had XXXX XXXX  with the loan company to cover the difference with XXXX XXXX XXXX, but the original agreement was never transferred over to Pen Federal and Ive been trying to get this matter sorted with the company. However they have not honored the original agreement that was set in place by XXXX XXXX XXXX. Ive tried to reach out to the company to obtain the original agreement but I have yet to here back from there records department. I would just like this issue resolved. I made my monthly payments on time when i was in possession of the vehicle and Ive tried going through the proper channels to get this matter resolved.

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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
whom it XXXX Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, {$1100.00} Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF {$1100.00} ( Account in Collection/Charge off please delete ) Date open : TransUnion is XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX High Credit : TransUnion is reporting {$1100.00} and XXXX XXXX XXXX, and XXXX show {$1100.00} Lasted Reported : TransUnion is reporting XX/XX/XXXX. XXXX XXXX XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have received at least six letters from banks all over the US saying that they have opened my checking account, that they need more information to open my checking account and have also received debit cards from XXXX ( letter lost ) and XXXX XXXX XXXX  Business Debit Card from XXXXXXXX XXXX No. XXXX. 
XXXX XXXX  : XXXX XXXX. XXXX. 
American Express : Ref No XXXX : Savings Account. 
I have been unsuccessful reaching all of the institutions but have reached some, and three of the letters from last week were mistakenly discarded by my wife. However, I still have three letters from other banks. I do not recall the names of two of the banks since the letters were discarded mistakenly. 
I have XXXX XXXX since a fraudulent tax return was filed under my social security number approximately 5 years ago. I now receive a PIN every year from the IRS XXXX is now helping me. 
XXXX and I have called XXXX and put a credit freeze on my account. 
I want to open a claim. 
I expect many more of these fraudulent checking accounts to have been opened, but I have not received letters other than those discussed above. 
The banks that I have been able to contact say that this is done so that fraudulent wires can be deposited, withdrawn and then leaving me owing a bank for a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
the XXXX  that was put on my credit was not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
I received a notice from the ERC debt collection agency on behalf of XXXX XXXX on XX/XX/XXXX via mail. Enclosed was a statement for the amount of {$910.00} from the contract date XX/XX/XXXX, placement date with ERC on XX/XX/XXXX and date of delinquency XX/XX/XXXX. 
I contacted ERC immediately to dispute the claim and came to find out that this was for an address located in California. I have lived in Michigan my whole life and have never lived in California. I contacted my local police department to file a report, but was informed that I need to contact my social security office. I reached out to XXXX XXXX to dispute the claim and in order for XXXX to investigate a claim of Identity Theft, they require an incident report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: PA

Complaint narrative:
This is the 2nd time this was submitted to the credit agencies. Last year it was a different collection agency and it was disputed and taken off my report. This was for an XXXX XXXX XXXX phone bill in Texas. This is not my bill but I dont know if its identity theft or mistaken identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already filed a dispute regarding this account that reports inaccurate to my Equifax report. This account has already been paid and is also updated paid to other credit bureaus XXXX and XXXX. I don't see any reason why Equifax should keep reporting this as a derogatory item on my credit report. Please Investigate this and delete it from my credit report.

Company response to consumer: Closed with explanation