vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-01 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: GREAT LAKES
State: IL

Complaint narrative:
On XX/XX/2019, Great Lakes Servicing applied {$17000.00} in XXXX Loan Forgiveness to my student loan balance bringing the balance down to {$26000.00}, as shown in the documents I have attached. Great Lakes notified me by email and regular mail that my account was now in re-payment with the first payment of {$82.00} being due on XX/XX/2019 ( see attached ). They have not updated my credit report to reflect the Forgiveness payments, nor have they removed the " deferred '' remark either. I disputed this with XXXX. ( See attached ). XXXX completed its investigation on XX/XX/2019 and states that Great Lakes verifies the information I have disputed ( balance of {$43000.00} and payment status " deferred '' ) to be correct when the documentation I have from Great Lakes and live online access to my Great Lakes account shows it is not correct. This is hurting my creditworthiness and ability to secure a decent interest rate on a car loan. My car is 18 years old with XXXX miles on it! I need reliable transportation to get to work!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a credit account with Synchrony Bank for purchase made last year at Rooms to Go ( account ending in XXXX ). Since XX/XX/XXXX, I have made monthly payments of {$48.00} ( minimal due on the account ). Payment history is as follow : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and today, XXXX. Each payment made was {$48.00}. This month 's statement indicated a past due balance and current balance, requesting minimal payment for {$160.00}. When speaking with customer service and also a live chat agent today, I was told that I made late payments, although, for the past 13 months, I have made my payments. I was informed today that the reason for the late payments were that I was paying my account ahead of the due date of the XXXX and making payments before a statement is generated ( penalized {$110.00} ). This is not acceptable billing practice. I also have two additional Synchrony accounts which I pay the exact same way, at same time. I pay majority of my bills at either the last day of the month or by the XXXX of each month as I have receive my income once a month, at the end of each month. I had asked Synchrony to remove all the late charges from my account, they only removed one, {$39.00}. I do not want to pay the additional late fees ; I was NOT late. I paid my monthly due payment of {$48.00} only today and I am now asking your assistance to resolve this issue ( which I consider to be fraudulent charges ). I did not make any changes to my Rooms to Go account with Synchrony ; I have been making my payments the same way each month, on their payment portal, and now all of a sudden they are charging me a total of {$110.00} in late fees. Their explanation does not satisfy me as it is wrong what they have done. I appreciate your assistance in helping me resolve my dispute against Synchrony-Rooms to Go. I hope to have a favorable response before the next statement is generated.

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 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian credit reports has my name on there as XXXX XXXX XXXX. My name has never been XXXX XXXX XXXX. Please remove this from my credit. Thank you kindly

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 2019-09-01 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX decreased my credit limit, and significantly increased my interest rate, based on incorrect information obtained from XXXX. This resulted in it being impossible for me to meet the minimum monthly payment due. I tried to contact XXXX to determine the source of this incorrect information and was unable to reach anyone. I tried multiple times and was unable to reach any live person. As a result, this credit agency is impacting my financial status and I am unable to reach anyone to have it corrected. This seems like a violation of the Fair Credit Reporting Act.

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 2019-09-01 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: IL

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX applied {$17000.00} in XXXX Loan Forgiveness to my student loan balance bringing the balance down to {$26000.00}, as shown in the documents I have attached. XXXX XXXX notified me by email and regular mail that my account was now in re-payment with the first payment of {$82.00} being due on XX/XX/2019 ( see attached ). They have not updated my credit report to reflect the Forgiveness payments, nor have they removed the " deferred '' remark either. I disputed this with Equifax. ( See attached ). Equifax completed its investigation on XX/XX/2019 and states that XXXX XXXX verifies the information I have disputed ( balance of {$43000.00} and payment status " deferred '' ) to be correct when the documentation I have from XXXX XXXX and live online access to my XXXX XXXX account shows it is not correct. This is hurting my creditworthiness and ability to secure a decent interest rate on a car loan. My car is 18 years old with XXXX miles on it! I need reliable transportation to get to work!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: National Recovery Service, Inc.
State: MD

Complaint narrative:
1 ) National Recovery was paid more than a year ago and was off of my credit report. Why is it back? 

2 ) I did not close or have any intention of closing my XXXX XXXX XXXX XXXX account.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-01 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX Amount XXXX Open XX/XX/18

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 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: TX

Complaint narrative:
I submitted a copy of a lawsuit showing that my motion for summary judgment against Plaintiff XXXX Card was granted. The court agreed that Plaintiff sues the wrong XXXX XXXX and/or the wrong person as my account was not the one for the basis of the lawsuit and the information in my credit report is wrong. It should have been removed. I have notified each credit reporting agency multiple times yet XXXX Card continues to report incorrect and/or inaccurate information concerning a purported charged off debt that isnt mine. They even hired a bs law firm to sue me and their case was dismissed after I proved to the court the account wasnt mine. Please order or direct them to remove this error from each of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 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: TX

Complaint narrative:
I submitted a copy of a lawsuit showing that my motion for summary judgment against Plaintiff XXXX XXXX was granted. The court agreed that Plaintiff sues the wrong XXXX XXXX and/or the wrong person as my account was not the one for the basis of the lawsuit and the information in my credit report is wrong. It should have been removed. I have notified each credit reporting agency multiple times yet XXXX XXXX   continues to report incorrect and/or inaccurate information concerning a purported charged off debt that isnt mine. They even hired a XXXX law firm to sue me and their case was dismissed after I proved to the court the account wasnt mine. Please order or direct them to remove this error from each of my credit reports.

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 2019-09-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There is a hard inquiry on my XXXX report from Syncb, says its for a national credit card/Airline. I do not recognize this inquiry, and XXXX XXXX doesnt have a dispute option to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
They keep calling from a different number then they tell you to call a 800 number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX American Express raised my credit limit over 100 % and offered me a 0 % promotional rate on this new credit limit. They sent me a XX/XX/XXXX decision letter reducing this limit even though I paid all minimum payments. They re-instated my highest credit limit after they extorted a {$3800.00} payment from me. I thought I successfully uploaded my response letter to them on XX/XX/XXXX but I also mailed my response letter on XX/XX/XXXX. They said they would respond XX/XX/XXXX but haven't. I am uploading both these said letters to you. Restoration of my credit limit after extorting me is not a sufficient remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I opened an account for XXXX XXXX  XXXX for my XXXX XXXX which is held with Comenity Capital bank. It is a deferred interest account. I consistently made the payments on time and in some months twice in the same month. Their computer system erred in not applying some of these payments and as a result charged me an extra {$38.00} late fee. I have documentation that these payments were on time and consistent. Comenity Bank refuses to remove late fee even with several letters and phone calls. Payments from inception:XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$180.00}, XXXX $ XXXX,XX/XX/XXXX, {$170.00}, XX/XX/XXXX- {$170.00}, XX/XX/XXXX- {$140.00}, XX/XX/XXXX- {$180.00}, XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$180.00}, XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$100.00}, XX/XX/XXXX- {$100.00}. Each payment cleared my bank. They refuse to correct the late fee. The late fee was posted in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I had activated a card on XX/XX/2019. My wallet was stolen, and took some time for me to get it back ( after filing a police report. 
Once I got the card, I noticed it expired XX/XX/2019. That is 6 months after being given the card. It has a {$210.00} balance. I tried using the card XX/XX/2019. 1 day after expiration. I looked at CFPB and it stipulates these cards must be good for 5 years. This is 5 months time passing between receiving card, and so called expiration. I called the company and asked for a settlement, or a replacement card. They said no. They have literally taken {$210.00} from me, 5 months after it was issued, a new dad who can not afford to have {$210.00} just stolen away!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear CFPB : I received a NOTICE OF DATA BREACH from Capital One dated XX/XX/2019. 

On XX/XX/2019, Capital One learned there was a data breach and unauthorized access of its systems and customers personal identifiable information. In the letter, Capital One noted that my Social Security was one of 140,000 numbers stolen because of Capital Ones faulty security systems : In addition, for a subset of these consumers, about 140,000 Social Security numbers and 80,000 linked bank account numbers were obtained. We are sorry that your Social Security number was one of the 140,000 obtained. 

Capital One offered two years of credit monitoring and identity protection with XXXX. This compensation is not commensurate with the damage done. My Social Security is now, forever, in the hands of a party that should not have it. This is permanent, irreparable damage. 

As such, on XX/XX/2019 I called Capital One, the number on the NOTICE OF DATA BREACH ( XXXX ) to learn what recourse I had to obtain additional compensation. The customer support agent indicated she could not offer additional compensation, that whatever the NOTICE OF DATA BREACH stated was the only compensation Capital One could offer ( that is, the two years of credit monitoring and identity protection with XXXX ). 

I asked to speak with a supervisor. The customer support agent escalated the issue to her supervisor. 

The supervisor called me back a few minutes later. And I asked what recourse I had to obtain additional compensation because the two years of credit monitoring and identity protection with XXXX is grossly inadequate. 

The supervisor reiterated the same as the previous customer support agent, that she could not offer additional compensation. And suggested that Capital One is working on it, that there might be additional compensation down the line, and that Capital One will be in touch with me. 

I asked to file a formal complaint through Capital Ones complaint system. The supervisor confirmed she filed a Tier 2 complaint. The complaint being : My personal identifiable information was stolen from Capital Ones systems, including my Social Security number, due to Capital Ones weak security systems And that Capital Ones offered compensation for this data breach is not sufficient. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
I would like to reopen this complaint against Allied Collection Services , Inc. and XXXX for having posted a derogatory remark on my credit report with about an account with XXXX. 

I have explained in my response that a long time ago I was going to transfer my services ( 5 ) lines to XXXX. That time the salesperson told me that all phone was compatible with their network. Once I went to the store this rude lady basically told me that none of the phones were compatible, so I contacted XXXX XXXX to cancel before the 30-day cancelation policy. They sent me an envelope with a box to return one of the phones all other phones were not from XXXX and they were fully paid for. 

I mailed back the device, in fact, two devices, I dont recall what promotion they were running but I returned a XXXX XXXX and an XXXX. 

Finally going over my just papers in the basement I found the receipt for the return and have proof that it was returned to them. 

I would like Allied Collection Services , Inc. to remove this derogatory remark out of my credit within 7 days of this notice.

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 2019-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Envelope received in XXXX for pre-paid Reward Card from employer. Reported as income via W2. Put envelope aside for use during XXXX XXXX weekend, when my family has a huge BBQ. Envelope simply stated name of employer and card value in window. Nothing related to time sensitivity or open now etc. No expiration date on exterior of envelope. On XX/XX/19, I opened the envelope and I called to activate the card. I was informed the card was closed. All funds were relinquished to Bank of America per the representative. No recourse offered. Simply stated card is expired. Given that the card was neither activated nor used, I never entered into Bank of Americas Prepaid Reward Card Agreement which governs its use. The agreement states that by accepting and using the Card, you agree to be bound by this Agreement. 

Given the card was not accepted and used, the Agreement in my eyes is invalidated. Bank of America should replace the card with one that is in date and has full funds of {$100.00}. Alternatively, if that is not feasible, they should provide me with the Fair Market Value of {$100.00} in Bank of America shares, as their business practices of confiscating earned income ( reported on a W2 ) less than 9 months post-receipt of a prepaid card surely would make the equity a great bet for the next 5-10 years.

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 2019-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2019, a Bank of America teller handed over almost {$3800.00} to a person impersonating me with a stolen drivers license. The criminal did not have my SSN or bank account number which is required by their procedures to access my account, however, they were still was able to take the money. The large amount to be withdrawn, and the out of state license should have heightened their scrutiny. Bank of America is not taking responsible of the fraud. 

Bank of America first denied claim with excuse the signatures matched. The stolen license has my signature on it, so it would be easy to defraud. It still does not comply with the addition information required to access my account. 

I disputed this resolution, and the second review came back with the excuse that I gave third party permission to my account. This is beyond ridiculous. 

The teller did not validate and follow appropriate security procedure to keep my account secure. My monies were note protected by Bank of America. 
My expectations are for Bank of America to approve this fraud case, reimburse the {$3800.00},

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 2019-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had a credit card with XXXX and they never sent me a card, I received a statement in the mail yesterday and somebody had used the card fruadulently at a store in indiana and they made fraudulent transactions, my security was compromised and the card was mxed out in one day on XX/XX/2019. I had never received the card in my lifetime and somebosdy used it in another state. I called the company yesterdaty adn they were goign to file a report. today XX/XX/2019 i found that it was showing on my credit report negatively. I would like a fraud investigation completed

Company response to consumer: Closed with non-monetary relief