vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I got a credit card with XXXX to make a big purchase where they offered me a store credit card and told me I would not be charged interest for a year and I would then have to start paying interest after the year was up. I then got the card and made payment when the offer was up I got my balance down to XXXX believing I would only be charged for that remaining balance interest. I then got charged XXXX in interest in XX/XX/XXXX, immediately after I realized the charged I called XXXX XXXX ( Comenity Bank ) to try and reverse it so I could pay my card off without the charge because I never once saw that I would be charged that amount. On the first page of my statements it didnt say I was getting charged interest and at the time I did not know what a accrued interest was. It wasnt until after I noticed the charge I seen all the information about the amount being charged was on the last page of the statements. I then contacted the company and they did nothing. All they did was explain the promotion which should have been explained to me at the time I was signed up for the credit card. The information they provided was misleading and all they wanted was for me to sign up for a credit card. I then did further research on the topic and feel like they are in violation of regulation Z in truth in lending. I read that the information that they provided on the last page of my statement is meant to be in the front page And it is not. Statements also says 0 interest being charged for the month on the first page which was very misleading I contacted them as soon as possible to try and reverse it and pay off the bill but they are not trying to work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I was contacted by XXXX XXXX of XXXX XXXX Illinois regarding an outstanding balance of XXXX owed on a XXXX XXXX financed by Honor Finance. I signed a Letter of Settlement for XXXX which was paid XXXX a month for 10 months. The Settlement letter has both General Counsel 's and my signatures and date. The last payment was applied on XX/XX/XXXX. While making scheduled payments, Honor Finance went out of business ( was not aware of it and payments continued ). 

Less than a month after the final payment, I was contacted by Westlake Financial asking for payment. I explained to them the debt had been settled and went on to email them proof of the Settlement Letter with General Counsel 's signature. For 2 months I waited on them to hear from their legal department who supposedly had to determine who was servicing the Honor account. First, they were asking for XXXX, then XX/XX/XXXX they asked for XXXX. In XX/XX/XXXX, I called XXXX XXXX of XXXX XXXX  XXXX Illinois and we had a conference call with Westlake who was still asking for payment after XXXX confirmed the debt was paid off. I had an XXXX XXXX   yesterday after speaking with XXXX XXXX ( Westlake ) because I was so XXXX  and XXXX, please help me. 

Westlake will not accept this and their tactics are unethical and criminal, they need to be investigated and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I sent a {$1100.00} using a money remitance application name remitly but when i send it. It said that my money transfer was cancel but my money in my bank account in Bank of America decrease by the {$1100.00}. When I call the money remitance they say that they didnt received my money yet.

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 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These inquiries are from : XXXX ( XX/XX/2019 ) XXXX/XXXX  (XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX  (XX/XX/2019 ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter.

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 2019-05-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a complete formal dinning set from Macy 's on XXXX XXXX 12018. The total amount of purchase : {$4100.00}. Upon receiving the delivery of the furniture in question, I noticed some blemishes/damages on the surface of the dinning table. I contacted Macy 's furniture to advised of the received defective furniture. Macy  's made several attempts to replace the damaged item with a newly fabricated tables but were unable to match the finish on the original table, and 8-chairs. The primary reason, according to a Macy 's representative was due to Macy   's changed furniture manufacture and supplier. As, result, Macy   's offered and I accepted an agreed resolution which Macy 's promised to provide a customer accommodation, an allowance of {$1800.00} ; to be forwarded and credited on my account balance. It has been approximately, four months since this resolution agreement was accepted and no adjustment to reflect the said allowance has been credited to my account. My wife and I have attempted at least 5-different occasion to request the adjustment, but we keep getting false assurances. Macy 's representatives tell us that the adjustment appear on my account within 10 to 14 business days, within 15 to 19 business days, and the most recent within 5 business days but my account is never adjusted to show the allowance discount.

In addition, I have sent out at least two emails via Macy 's online web site, and on particular to the corporate email address, but to no avail. 

The agreed resolution is in writing on an email sent to us from XXXX to our email address. This Macy 's Keep As is Agreement shows the allowance amount of {$1800.00}. However, as mentioned the amount has not been discounted from my credit card 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 monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Company represents XXXX XXXX located in XXXX North Carolina. Received a service on XX/XX/2015 that did not meet the requirements of what the dentist had discussed he was going to perform. What was supposed to be a XXXX to be XXXX I received a bill for a XXXX XXXX. In which within 14 days my filling came out from the XXXX and exposed quite a bit of XXXX XXXX and a XXXX XXXX XXXX XXXX in my XXXX. I have notified the XXXX about this right away and not only was I not pleased with the incorrect billing but that the service that was given to me on XX/XX/2015 was not successful. I have gathered several pictures to prove this was not a successful visit and was given a bill for {$1000.00} for a service that I never did receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: MA

Complaint narrative:
There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by Experian is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, XXXX   is reporting it as US DIST CT, and XXXX is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.

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 2019-05-24 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-05-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These unauthorized inquiries are from : XXXX XXXX , XXXX ( XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX/XXXX ( XX/XX/2019 ) XXXX ( XX/XX/2019 ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regard to this matter. 

Thanks in advance for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
I have contacted XXXX  and notified them several times since XXXX that the public service loan forgiveness ( pslf ) date was incorrect and the number of payments credited were incorrect. Representatives continued to insist that my student loans were not in repayment status and were in school status and that was incorrect. I graduated early XX/XX/XXXX and my student loan status was changed in XX/XX/XXXX. I have received documentation from XXXX showing that my school status was updated on XX/XX/XXXX to reflect that I had graduated as of XX/XX/XXXX. XXXX  representatives lied to me numerous times stating my loans were not updated with the Department of education or XXXX to reflect me graduating. When in actuality the loans were updated and they had failed to properly process the request and obtain information from XXXX. I began working in XX/XX/XXXX. I immediately contact the Department of Education and notified them so that my student loan forgiveness would begin. However, the representatives refused to allow my account to enter repayment so that those months would count towards my forgiveness. I was eligible and met all requirements for qualifying payments from XXXX XXXX XX/XX/XXXX. I now have six extra months of payments because of this companys willful failure to process my pslf, deceptive and unfair practices. I contacted XXXX again at the beginning on XXXX and informed them that my pslf was incorrect and the representative responded this is normal not to have it start on time and went on to blame the school and XXXX. This practice should not be normal, especially since the school and XXXX appropriately updated my loans and they were in the correct status to receive student loan forgiveness credit those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: CORELOGIC INC
State: TX

Complaint narrative:
There are several mortgage companies, and banks that have pulled hard inquiries on my credit report with all 3 bureaus that I DID NOT authorize. I reached out to all the companies in question, and they told me they would look into it. Not one bank nor mortgage company did anything about the hard inquiries or contacted me back. It is very frustrating when you didn't give anyone permission to pull your credit, yet the credit bureaus will not do anything about the unauthorized inquiries on my credit report. Below is the name of the companies who pulled hard inquiries without my knowledge. 

1. CREDCO- ( Pulled Credit -XX/XX/XXXX ) 2. XXXX XXXX- ( Pulled Credit -XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) 3. XXXX - ( Pulled Credit -XX/XX/XXXX & XX/XX/XXXXand XX/XX/XXXX ) 4. XXXX XXXX ( Pulled Credit - XX/XX/XXXX ) 5. XXXX XXXX - ( Pulled Credit - XX/XX/XXXX ) 6. XXXX XXXX XXXX - ( Pulled Credit- XX/XX/XXXX ) 7. XXXX XXXX - ( Pulled Credit - XX/XX/XXXX ) 8. XXXX XXXX XXXX - ( Pulled Credit - XX/XX/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 2019-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These unauthorized inquiries are from : XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the company or individuals who were directly contacted in regards to this matter. 

Thanks in advance for your time and prompt attention to this matter.

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 2019-05-24 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX and 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 2019-05-24 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: FL

Complaint narrative:
I am a victim of identity theft

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 2019-05-24 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: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-24 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: MA

Complaint narrative:
There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by XXXX  is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, XXXX is reporting it as US DIST CT, and transunion is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.

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