vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-30 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: NJ

Complaint narrative:
All three credit bureaus have allowed XXXX to report an old account with them as an open account and allowed XXXX to say that the the past due amount is the current monthly payment due and XXXX reports monthly that I am 30 days past due with an amount exceeding XXXX a month which is insane for a an account which is alledgely in collections this was not previously on my credit report like this XXXX actually changed how they were reporting on my credit report when I made a complaint on them due to the erroneous charges from this account since that date my realtor showed me that they started reporting this as a an account 30 days late and it keeps dinging my report every month as a new late payment XXXX also keeps changing the amount by a dollar so that it comes up as new even though this account has been closed since 2017 and I have never received a bill or collection notice and my online access was disabled to see anything I have reported this to the credit companies and they just send the same vague statement that the investigation shows the account is accurate which is complete XXXX  and I am very confused how they allowed XXXX to make my credit worse 2 years later with false information. I want this removed as an open account on my credit report. And the XXXX removed completely as they claimed to me on the phone which I recorded that they sold my account to a collection company and they have never sent me any bills

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 2019-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.

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 2019-11-30 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: FL

Complaint narrative:
Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: FL

Complaint narrative:
Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.

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 2019-11-30 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: CA

Complaint narrative:
while checking my most recent report i discovered the following items.

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Many times over the past 5 years, Experian credit reporting agency has refused to supply my annual credit report. In addition, when I am denied credit, as a result of incorrect information on my credit report, Experian still refuses to send me a copy of the credit report. Experian is asking for a current government issued identification and proof of residence. 

Here 's the thing, I have no problem whatsoever with XXXX XXXX or XXXX. They always seem to provide a copy of my credit report. Experian wants to update their files and they have no right under the FCRA to ask for any of the information that they are asking for. 

I am not going to help them do their job! 

Maybe a congressional investigation into their practices would be justified.

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 2019-11-30 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: NJ

Complaint narrative:
All three credit bureaus have allowed XXXX to report an old account with them as an open account and allowed XXXX to say that the the past due amount is the current monthly payment due and XXXX reports monthly that I am 30 days past due with an amount exceeding XXXX a month which is insane for a an account which is alledgely in collections this was not previously on my credit report like this XXXX actually changed how they were reporting on my credit report when I made a complaint on them due to the erroneous charges from this account since that date my realtor showed me that they started reporting this as a an account 30 days late and it keeps dinging my report every month as a new late payment XXXX also keeps changing the amount by a dollar so that it comes up as new even though this account has been closed since 2017 and I have never received a bill or collection notice and my online access was disabled to see anything I have reported this to the credit companies and they just send the same vague statement that the investigation shows the account is accurate which is complete XX/XX/XXXXand I am very confused how they allowed XXXX to make my credit worse 2 years later with false information. I want this removed as an open account on my credit report. And the XXXX removed completely as they claimed to me on the phone which I recorded that they sold my account to a collection company and they have never sent me any bills

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 2019-11-30 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: NJ

Complaint narrative:
All three credit bureaus have allowed XXXX to report an old account with them as an open account and allowed XXXX to say that the the past due amount is the current monthly payment due and XXXX reports monthly that I am 30 days past due with an amount exceeding XXXX a month which is insane for a an account which is alledgely in collections this was not previously on my credit report like this XXXX actually changed how they were reporting on my credit report when I made a complaint on them due to the erroneous charges from this account since that date my realtor showed me that they started reporting this as a an account 30 days late and it keeps dinging my report every month as a new late payment XXXX also keeps changing the amount by a dollar so that it comes up as new even though this account has been closed since 2017 and I have never received a bill or collection notice and my online access was disabled to see anything I have reported this to the credit companies and they just send the same vague statement that the investigation shows the account is accurate which is complete XXXX  and I am very confused how they allowed XXXX to make my credit worse 2 years later with false information. I want this removed as an open account on my credit report. And the XXXX removed completely as they claimed to me on the phone which I recorded that they sold my account to a collection company and they have never sent me any bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Originally noticed a hard inquiry on my credit report on XX/XX/2019. Called Issuing bank and requested to have the account closed due to identity theft. 

Noticed on XX/XX/2019 that the account now has a balance of {$890.00}. Called Synchrony again on XX/XX/2019 at XXXX PST. Spoke with XXXX, and was told no one ever documented that I wanted the account closed or that it was fraudulent. Explained I called before, and XXXX stated he would close the account and take care of the issue and I would not be responsible for the outstanding balance due to it being fraudulent. 

Since then, I have put a fraud alert on my 3 credit bureau accounts, as well as freezing my credit files. 

I received a letter in the mail on XX/XX/2019 from Synchrony bank with a NEW credit card. I called on XX/XX/2019 at XXXX and spoke to XXXX . He stated that they decided to open a new credit card to pay for the amount due on the account that was previously closed, because they determined it was " my account ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased a pair of expensive shoes from XXXX  XXXX XXXX XXXX over the summer I never received the shoes they were left outside and I live in an apartment complex where the door is outside in public I filed a dispute and just because XXXX  XXXX sent a paper from XXXX stating it was delivered they declined my dispute. It clearly states it was delivered and left outside so I am paying {$500.00} for shoes I never received

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 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
What is this complaint about?

Business Checking Account bonus of {$400.00} for promotion code " XXXX  '' was not paid to me.

What type of problem are you having?

The language in the promotion documentation is not clear. A clause in the language is being enforced but is in brackets. Items in brackets are considered as examples and not guidelines. The new money type restrictions are not mentioned in a full sentence. Due to this language being enforced, I have not received the {$400.00} bonus payment.

What happened? 
On XX/XX/2019, I opened a Silver Checking Business account along with a Money Market account. Opening deposit was {$100.00} to each account. I transferred in another {$4900.00} to the checking account on XX/XX/2019 using ACH. The total balance to both accounts was maintained at {$5100.00} for almost another 2 months. I transferred in another {$100.00} by ACH on XX/XX/2019. I made other transfers in but had to close the Money Market account. During these 3 months I was in touch with the Business Banker XXXX XXXX who was interacting with me, explained to me why the bonus may not be paid to me, and also opened an exception request for bonus payment. Ultimately in XX/XX/2019, the exception was denied.

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 2019-11-30 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: WA

Complaint narrative:
Originally noticed a hard inquiry on my credit report on XX/XX/2019. Called Issuing bank and requested to have the account closed due to identity theft. 

Noticed on XX/XX/2019 that the account now has a balance of {$890.00}. Called XXXX again on XX/XX/2019 at XXXX PST. Spoke with XXXX, and was told no one ever documented that I wanted the account closed or that it was fraudulent. Explained I called before, and XXXX stated he would close the account and take care of the issue and I would not be responsible for the outstanding balance due to it being fraudulent. 

Since then, I have put a fraud alert on my 3 credit bureau accounts, as well as freezing my credit files. 

I received a letter in the mail on XX/XX/2019 from XXXX bank with a NEW credit card. I called on XX/XX/2019 at XXXX and spoke to XXXX . He stated that they decided to open a new credit card to pay for the amount due on the account that was previously closed, because they determined it was " my account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have file a complain for numerous accounts stated on credit report and they have not verified how the account belongs to me. This process started XX/XX/2019 and still haven't had any accounts verified or contacted back from burueas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone used my email account to open a XXXX account under the name of XXXX XXXX. The obtained access to my Bank of America Online Banking. Using the XXXX account, they transferred {$2900.00} from my personal Bank of America account. On XX/XX/2019. I received a text message from Bank of America at XXXX XXXX, confirming the money transfer was complete. I filed a BoA Fraud Claim # XXXX. The account was frozen at that time. on XX/XX/2019, I received an email from Bank of America, sending me bank account code I requested. I did not request the the information, and reported it to Bank of America Fraud department. on XX/XX/2019, I received an email from XXXX XXXX, stating I submitted a payment between 2 accounts. I do not have any accounts with XXXX XXXX. They could not look up the accounts using my email, and could not find the the accounts by my name, telephone number or social security number. Bank of America has not returned any removed funds, and froze the account with a - {$880000.00} balance. I believe my email address was compromised even after see real attempts at changing my passcode.

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 2019-12-01 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: Experian Information Solutions 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 non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
I dont know who this company is and they keep sending collection letters to my relatives addresses. These letters are obviously harassing me and I dont think its right. They have no right to be sending letters to people related to me when I dont live there. They are making me feel threatened. I will be speaking to an attorney for harassment. I am no expert when it comes to legal stuff. But i know that I could file charges against them for harassment. I have never had an outstanding balance with XXXX. Their merchandise was obviously returned. And its been like 6 yrs that I havent been to any of their stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My Sony Credit Card account was transferred from XXXX XXXX to Comenity Bank. The transfer was NOT initiated by me. Upon receiving the first ever statement ( attached ) by Comenity Bank for the month of XX/XX/2019, I noticed that I was charged a {$25.00} late fee and {$47.00} of interest. I called Comenity and I was told that I was charged a late fee and an interest because I missed the first balance due of {$1800.00} for the month of XX/XX/2019. Please note that I had an auto-payment setup for years with XXXX XXXX and never missed a single payment. How was I supposed to know how much was due to Comenity in XXXX if the first ever statement Comenity mailed to me was for the month of XXXX? If the balance for the month of XXXX was due to XXXX XXXX, it would have been auto-paid. If the balance for the month of XXXX was due to Comenity, Comenity should have mailed the XXXX statement to me so I could have paid it. But Comenity didn't. Please note that I have a screen print ( attached ) of the Comenity statements available online, which clearly indicates that XX/XX/2019 is the only statement Comenity ever produced for me. In other words, Comenity failed to inform me about my balance due, and then later charged me a late fee and an interest because I did not pay the balance which was unknown to me. Please note that the auto-pay I had with XXXX XXXX was not transferred with the account to Comenity. The whole story could be interpreted as fraudulent if Comenity, in bad faith, deliberately failed to communicate to me and maybe to other customers acquired from XXXX XXXX their balances so they could cash-in interests and fees. Please investigate if I am the only one that incurred in such a problem. Please note that I have and always had an excellent credit score. I am hereby declaring to retain all of my rights to seek legal advice and representation and potentially start a class-action lawsuit in the event that the negligent and possibly fraudulent behavior of Comenity Bank is not taken care of promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I contacted the XXXX XXXX credit card company on XX/XX/19 to obtain a replacement credit card and to have my husband added as an authorized user to the account we received the card from my husband in the mail within 7 business days, however a card was not mailed to me as requested. On XX/XX/19, I called back and informed them that I still havent received a replacement card. I was told that they will have another card mailed out to me. I asked that they mail the card to my in-laws address where i will be for the holidays. They said it was not an problem. On XX/XX/19. I received a secure Letter from comenity bank stating that they were unable to mail me a card as the address provided couldnt be verified with the credit bureaus. I then noticed that they submitted a inquiry on my XXXX and XXXX reports. When I called they informed that they didnt know why an inquiry was done in order To just have a replacement card mailed, and that in order to have the inquire removed that I needed to dispute it with through the bureaus. Im submitting an official complaint as an inquiry was submitted without my authorization and the Comenity bank has not addressed their negligence of the inquiry placed on my credit.

Company response to consumer: Closed with non-monetary relief