vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 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: FL

Complaint narrative:
1. I purchased an umbrella on sale from XXXX XXXX XXXX while in the store. 
2. I returned the defective umbrella for an even exchange 3. While in the store, the clerk was unable to give me an even exchange while in  the store for the damaged umbrella, but stated once the replacement umbrella arrived, it was shipped to my home, I could return to the store for a credit to my account for the difference. She charged me full price for the replacement umbrella. 
4. Once the umbrella arrived, COVID hit, and this XXXX XXXX XXXX  store closed, no one answered the phones, nor was I successful getting in touch with Comenity the bank that holds the credit card that XXXX XXXX XXXX  has a relationship with. 
5. I contacted Comenity, as they charged me {$74.00} in late fees as a result of this umbrella refund.

6. They credited me the {$74.00}, 7. In XXXX I was able to go back to the store to receive the proper credit 8. I paid the additional {$9.00}. and some change, essentially paying off my XXXX XXXX XXXX card through Comenity 9. I now see a late fee, on top of a late fee on this Comenity XXXX XXXX XXXX Card ... Late fees being charged on late fees? Is this legal? I owe Comenity nothing ... I am paid in full, except for late fees as a result of Covid ... I called XXXX at Comenity today and told her to close my XXXX XXXX XXXX card with Comenity! XX/XX/2020 XXXX. Furthermore after they credited me the late fee, they never credited me the interest on the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I graduated from XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I experienced a death in the family and went back to XXXX XXXX in XXXX of XXXX to support the family. For the year of XXXX I lived in XXXX and did not have a cell phone or access to the internet, due to my remote location. Apparently, my student loans had a grace period of 180 days. The 180 days should have been up in XXXX of XXXX. Nelnet, my student loan servicer, never got in contact with me directly to state I had a grace period or that it was up in XXXX of XXXX. However, they placed derogatory remarks on my credit report without ever notifying me to let me know it was time to begin paying back my student loans or that the loans were moving to past due. Although, when I reentered the United States I began paying back my student loans in XXXX. I have contacted nelnet about this issue and they refuse to take the derogatory remarks off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As acting CFO/Treasurer for a legally formed business entity, I phoned American Express on XX/XX/XXXX at exactly XXXX a.m. ( PST ). During this 33 minute call, I made it known that the business I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the business cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$1400.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a business account for which I am the CFO/Treasurer, then I believe American Express ' attempt to collect should be levied against the business entity. Not me as its employee. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Good Afternoon & Happy Thursday! Listen, I was actually shocked when I reviewed my credit report & I found 2 medical collection accounts listed there from Commonwealth Financial Services or originally from XXXX XXXX. This is surprising to me because I never received any information in the mail or to give me the right to dispute the alleged debts before it was placed on my credit report. I called the company directly to resolve the issue and the Reps even mentioned that they don't even have my XXXX or other personal information pertained on my file. After several hours of going back and forth, as I don't want to waste any more time because I'm in the process of buying a house, i offer them to just pay both of them off and they agreed that they will be deleted before the XXXX of this month XXXX XX/XX/XXXX ). Please see the attachments for verification. Why they never sent me paperwork on this before so the consumer can dispute them? Isn't that my right? What type of information these hospitals are given to this third-party company about my healthcare report? Isn't this HIPPA violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2020 disputing the collection account for a XXXX XXXX   account in the amount of {$320.00}. By the way, I DO NOT ever recall having a XXXX XXXX account. I received a response letter from XXXX XXXX XXXX dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. 

This account was then bought by IC System Collections agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to IC System on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by IC System Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from IC System, they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim and I do not recall ever having a XXXX XXXX   account. 

This complaint is in regards to IC System Collections as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. 

IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS IC SYSTEM COLLECTIONS NOW ABLE TO VALIDATE THE DEBT?

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 2020-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting incorrect Information on my credit report. My accounts are not reflects as being paid or over the balance.

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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent a Venmo payment through Venmo to a two people I did not know for a service that concluded in me being scammed. 

The first payment was sent on XX/XX/2020 for {$50.00}. 

The second payment was sent on XX/XX/2020 for {$200.00}. 

I contact Venmo and made several attempts to get this resolved. They said they can not help me and that I needed to contact Law Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To all those concerned, I'm not happy. For that matter neither is my husband. He just re-filed a complaint yesterday and now I have to file one as well. We don't know what it's going to take to have the credit bureaus delete accounts from our credit reports which are wrong. Recently they responded to both mine and my husband 's complaints with letters saying to be more specific with our disputes. We were very specific when we were mailing out letters to them all these months. How can they get away with this? How can you let them? Do my husband and I have to take matters into our own hands and sue them?

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 2020-08-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, please explain your false claims that I did not authorize my earlier complaint.

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 2020-08-13 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
Loan # XXXX On XX/XX/XXXX I borrowed {$570.00} from online lender Loan at Last. 
The lender charged me 19 bi-weekly payments or {$150.00} and 1 final payment of {$150.00} withdrawn from my checking account from XX/XX/XXXX to XX/XX/XXXX. 

Total payments = {$3100.00} on a loan of {$570.00} The interest rate charged is 795.87 % Total interest = {$2500.00} for a {$570.00} loan. 

These charges are far more than any other legitimate lender would be allowed to charge in any state in the United States. 

I believe these lenders should be prohibited from lending in all states including NJ. 

They did not disclose to me while making this loan that they were a tribal lender and believe they are not subject to fair banking laws,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/20 Synchrony will not change my CD maturity instructions. 

They insist on sending me a code to verify my identity but something is wrong with their system. They have sent me 2 codes by text, 2 codes by phone call, and 2 codes by XXXX. I received the codes they sent. I told them the codes over the phone. Yet they can not process it on their end. 

I just want to have synchrony change the maturity instructions on my CDs.

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 2020-08-13 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: Kimball, Tirey & St. John LLP
State: NV

Complaint narrative:
XXXX has permitted the collection agency of Kimball, Tirey & St. John to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX  has permitted the collection agency of XXXX, XXXX XXXX XXXX XXXX to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I graduated from XXXX Arizona University in XX/XX/XXXX. In XXXX of XXXX I experienced a death in the family and went back to XXXX XXXX in XX/XX/XXXX to support the family. For the year of XXXX I lived in XXXX and did not have a cell phone or access to the internet, due to my remote location. Apparently, my student loans had a grace period of 180 days. The 180 days should have been up in XX/XX/XXXX. XXXX, my student loan servicer, never got in contact with me directly to state I had a grace period or that it was up in XX/XX/XXXX. However, they placed derogatory remarks on my credit report without ever notifying me to let me know it was time to begin paying back my student loans or that the loans were moving to past due. Although, when I reentered the United States I began paying back my student loans in XXXX. I have contacted nelnet about this issue and they refuse to take the derogatory remarks off my credit 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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX. I reside in XXXX California. Back in XXXX I signed up for Cash App. In XXXX I received a money transfer. A direct deposit for around XXXX dollars. 

I tried to send some of the money else to another person. My transaction was blocked for my protection according to the cash app. Not long after that someone unbeknownst to me was able to log in my account and remove my phone number and email addresses associated with that account. I was notified of this when the information was changed, but i was not at my phone and didn't notice until the next day. I have unable to gain access to my account. 

Since then I have contacted Cash App Support. 

today, XX/XX/XXXX, I received this response by email. 

Hi XXXX, We closed your case because it's been more than a week since we've heard from you. 

Please reach out if you still have questions. Here 's how : 1. Tap the profile icon on your home screen 2. Scroll to the bottom 3. Select  Cash Support Thank you, Cash Support For reference, your case # is : XXXX When i responded to this email that I have no way to cash out because I am still unable to login, i received this response. 

Hi, Thanks for reaching out but we dont currently monitor this email. For help and to contact Support, open your Cash App and : Tap the profile icon on your Cash App home screen Select Support Navigate to your issue Need more help? Tap Contact Support If youve already contacted Support and are following up about an existing issue, please respond to the last email you received and include the Case ID ( located in the body of the email ). 

Thank you, Cash App Support ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To all those concerned, I'm not happy. For that matter neither is my husband. He just re-filed a complaint yesterday and now I have to file one as well. We don't know what it's going to take to have the credit bureaus delete accounts from our credit reports which are wrong. Recently they responded to both mine and my husband 's complaints with letters saying to be more specific with our disputes. We were very specific when we were mailing out letters to them all these months. How can they get away with this? How can you let them? Do my husband and I have to take matters into our own hands and sue them?

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