vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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: WI

Complaint narrative:
In XX/XX/XXXX I closed my XXXX XXXX Credit Card due to Comenity charging me interest on a disputed amount of {$810.00} even though multiple customer service representatives told me there would be no interest on that amount while it is in dispute. I provide documentation from the hotel that the disputed amount was credited to the card in XX/XX/XXXX. Comenity still has the charge on my credit card and is still charging me interest and now late fees on that amount. I called Comenity in XXXX and XXXX to discuss this and each month the customer service representative provided me an amount to pay to avoid any further fees or interest and each month I paid it for the sake of my credit score. It is now XX/XX/XXXX and I am done continuously paying interest that I do not owe. On XX/XX/XXXX, a customer service representative told me she would waive the {$30.00} late fee if I make a payment of {$33.00}, this makes no sense considering the only amount owed on the card is the amount in dispute and the interest and late fees they are continuing to charge me. I have been misled month after month to continue paying fees to Comenity. This is not a fair business practice! No matter how many times I call to speak with someone at the management level, I simply get transferred to another department only to be told to talk to someone in customer service, and therefore, this problem just continues to go on and on. I want to be done with this awful credit card issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I applied for a card from Barclays bank and was denied. They didn't even pull my credit to consider my application. They sent me a letter claiming I used to have an account with them that was charged off, but that isn't true. I pay all my cards in full and have always done so.

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 2022-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
When I finish studying at XXXX XXXX my Student Loan was only {$30000.00} debt. Now my Student Loan Debt is {$68000.00} This is too much money. I signed up with a company and now I am going to start paying {$190.00}. I would like to see the possibility of my Student Loan to be only {$30000.00} and not {$68000.00} This is a Student Loan Abuse!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
I have a lot of unauthorized inquiries on my credit reports. I have been constantly asking for them to be removed from my report and they are still on there. 

Inquiries on my XXXX Report : XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX  XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries on My Equifax Report : XXXX XXXX XXXX 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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
This is not a duplicate complaint, please DO NOT CLOSE IT. 

I have called the company multiple times regarding the incorrect 2021 IRS Tax Form 1098 as attached. Fay Servicing reported incorrect EIN to the IRS. I have provided them with the correct EIN and the W9, however, the company still has not resolved my problem despite all the promises. I am afraid of the late tax filing to IRS. The current EIN ending in 9770 is incorrect. See attached correct W9 for 25 High Investor LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello, I signed up for a promotional offer when I made a purchase from lumbar liquidators. The financing company they had me go through was Synchrony Bank. I have had issues with this company from day one. After signing up for the credit card I called them less than a week later to setup automatic payments for the amount necessary in order to have my loan paid off within the promotional offer so I would have everything paid off interest free. First month goes by and they did not take out the automatic payment as I requested. I continue to call them for XXXX year while in the mean time making manual payments. Finally after about a year a representative finally got it handled for me, had the automatic payments going through and I didnt have to keep doing manual payments, yay! So fast forward another year ( present time ), I go to check my statement as everything should be paid off by now. Well guess what!!!? they set up automatic payments for the minimum of what their fees requires, and not the minimum for what it takes to get my card paid off within the promotional period!! That is not what I had been trying to get synchrony to setup for over a year and now they said I have to pay XXXX XXXX within XXXX days to complete the loan or they will be charging me XXXX XXXX in interest. Even though they were the ones who failed repeatedly to withdraw the correct amount, I now am stuck having to come up with {$2000.00} out of pocket with only XXXX days to do so. Avoid this company!! They do not care to correct their mistake in any way, and Im sure they have done this to other people in order to scam them for money.

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 2022-02-07 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: Porania, LLC
State: NC

Complaint narrative:
I am an identity theft victim

Company response to consumer: Untimely response
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom it May concern : The situation is the following, my synchrony bank crate and barrel credit card limit was decrease from {$9200.00} to {$3500.00} in the date of XX/XX/2022. 
I did received a letter XX/XX/2022 giving me information about it. 
But the reasons presented are meaningless. 

The balance of the card is more than 30 % but is not even half of the credit limit. 

I have never made a late payment and I have always paid more than the minimum monthly amount And finally I found disrespectful after spending so much time with your bank card that they reduce the limit to a lower amount than when I opened the account. 

I asked for information by phone the date of XX/XX/2022 but no solution was given to me from your customer service. 

I respectfully request that you reconsider the action taken. 



Regards.

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 2022-02-07 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: DE

Complaint narrative:
On XX/XX/2022 i submitted a complaint with the CFPB against Equifax XXXX XXXX XXXX about fraudulent accounts reporting on my credit report due to identity theft i submitted identity theft affidavit thru the Federal Trade Commission and all supported documents to prove my identity and they sent me a later stating i need to provide the same documents to prove my identity in which they already have and was received on XX/XX/2022 thru the CFPB. This violates my consumer rights based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft no later than 4 business days after the date of receipt. Equifax failed to do so and is in violation under the law. The accounts listed in attached documents should not be furnished on my report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written INSTRUCTION of the consumer to whom it relates. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. AS A CONSUMER I AM DEMANDING DELETION OF ACCOUNTS AND ALL NEGATIVE REPORTING ACCOUNTS/ INQUIRIES LISTED IMMEDIATELY!!!!! 
Written Truthfully Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Ford Credit XXXX XXXX XXXX, XXXX, XXXX XXXX ATTN : DISPUTE /CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX : XXXX, was denied an extension of credit by Ford Credit. On, XX/XX/XXXX, I applied for financing secured by the property ( XXXX FORD XXXX ) to be purchased from XXXX Ford , Inc. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( c ) and you assume civil liability pursuant 15 U.S. Code 1691 ( k ). Ford Credit has violated my federally protected consumer rights : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Ford Credit should resort to reasonable procedures to rectify this affair and compensate me for the use of my Social Security Number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My payment is due on this credit card on the XXXX of the month. I always make my payment on the last day of the month or the XXXX, online. On XX/XX/2022, I made my regular payment and received a confirmation email that my payment was made. On XX/XX/2022, I went to make my XXXX payment and there was a late charge on my account for XXXX dollars. I made my payment on time so I called. The person I talked with didn't seem to know how to handle it. He told me that Capital One had some payment issues with their systems on XXXX XXXX day and that my late payment charge would be reversed and my credit wouldn't be effected. He admitted that it was their mistake. I have proof with a screen shot and my email confirmation that the payment was made on time. I am never late on any of my payments and I just checked this month 's statement and the charge has not been reversed nor do I know how it effects my credit. What I am really worried about especially due to being a retired Consumer Protection Chief of an Attorney General for years is, how many others did they charge this fee to even though it was their system that messed up?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
was recently scammed by People claiming to be with XXXX security and fraud department. This occurred on the date of XX/XX/2022. They told me they detected unauthorized IP addresses on my phone and that people were using my XXXX account to order things in different parts of the country. They were able to get my personal information by having me install an app that they told was used to see what I was doing on my phone so they can help walk me through the necessary steps to help secure my bank account. They then tricked me into opening my crypto apps and had me download a crypto app Ive never used before called XXXX. They then funneled almost {$7000.00} out of my bank account and stole % 50 of my crypto currency investments. Before finally telling me that Ive been conned and laughing in my face over the phone. Ive filed a claim with Wells Fargo and cancelled my current debit card and had a replacement sent out. Im bringing this situation to light to ensure that Wells Fargo does the right thing and reimburses my stolen funds. I was a victim of a disgusting crime and I believe as a loyal customer of Wells Fargo, which Ive been banking with them for over 10 years. It is the upmost important and right thing to do.

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 2022-02-07 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: CA

Complaint narrative:
XXXX Department : Remove fraudulent accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva Credit Card, a division of XXXX XXXX XXXX XXXX, reported that I was 30-days past due. On or about XX/XX/2022, the undersigned cardholder contacted Fortiva 's Customer Service department to inform them that they had inaccurately reported information to the national credit bureaus. The undersigned spoke with a Customer Service Manager who agreed that their information was inaccurate, and requested the national credit reporting agencies remove all negative information from the undersigned 's personal credit report. On or about XX/XX/2022, the undersigned reviewed his credit score. The undersigned 's credit score had fallen by XXXX points as a result of incorrect information that XXXX XXXX XXXX  had reported, which resulted in the undersigned 's credit score rising to XXXX. In accordance with the recorded conversation with a Fortiva manager who stated that she had sent a request to the credit bureaus to correct all negative information reported by Fortiva. Today, despite their contractual agreement to correct ALL negative information while the undersigned remained on the phone. Fortiva 's Customer Service Supervisor ( who reports to the Customer Service manager ) *refused* to correct the negative information that appears in two ( 2 ) fields of the undersigned 's personal credit report. One of the two fields was corrected, but the Customer Service supervisor refused to correct the 2nd incorrect field that was reported to the national credit reporting agencies ( CRA ), however, today, XX/XX/2022, Fortiva reported, or failed to correct, all of the information the disputed items during the XX/XX/2022, agreement. The Customer Service manager refused to listen to the undersigned because the undersigned had stated that he is an XXXX, and that the dispute between the parties had been resolved on XX/XX/2022, and that if Fortiva would not correct the negative information pursuant to the XX/XX/XXXX agreement, he would file an administrative complaint to Fortiva 's federal regulator and/or file a lawsuit against Fortiva for breaching its agreement and its knowing violation of the FCRA by reporting information that Fortiva had agreed to remove, which resulted in a denial of opening a new credit card. 

The undersigned had applied for a credit card yesterday, and was denied solely because of the undersigned 's credit score. Because the undersigned had reviewed his credit score on XX/XX/2022, his request for credit was denied because of the lower credit score caused by Fortiva 's breach of contract, discussed above. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Florida XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Integrated Recovery Services
State: CA

Complaint narrative:
I called. No answer. But they ran my credit and I have no business with this company.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022 @ approx XXXX I entered Bank of America XXXX XXXX XXXX XXXX A customer was had been 30min with teller. I never complained I waited patiently. When the customer finished her transaction she moved aside and carried on a causal conversation. I then asked please move aside you are done have some consideration for others you took 30min please move on. The customer started to be beligerent and loud and abusive verbal assault. " I '' asked the teller to please get your customer from verbally assaulting me she said that can't stop customers it's not her affair I then asked should I call the police. Then the next day I tried to use my account and it was closed. I called to find out why was told I was being beligerent to customer I was the victim the tape will show but because the manager and the customer was white Hispanics I was not the victim XXXX female. MY ACCOUNT WAS CLOSED THEN THE MANAGER TRIED TO DELETE THE REASON AND THEN LIED THAT I REQUESTED THE CLOSURE. MY ENTIRE Financial SECURITY WAS IN RUIN. I WAS ON VACATION WITH MY FAMILY AND WAS STRANDED. PLEASE HELP ME RESTORE MY ACCOUNT MONIES LOST FEES CHARGED CHECKS NO LONGER HONORED... OBLIGATIONS IRS Agreement PLAN NOW JEOPARDIZE LIEN TOWARDS MY HOME THE LIST GOES. PLEASE GET JUSTICE ON MY FAMILY BEHALF XXXX XXXX UNDUE STRESS CORSOL LEVELS ETC. THIS MANAGER NEEDS TO KNOW All lives matters. Every one must be treated within the law. She unlawfully closed my account tried to cover it up... then lied that I requested 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 explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to remedy the situation but would not help correct these fraudulent and inaccurate accounts. 

XXXX. I XXXX XXXXXXXX ( original creditor : XXXX XXXX communications XXXX ) XXXX XXXX PER MNG ( original creditor XXXX XXXX ) XXXX XXXX ( XXXX x reserve at XXXX XXXX ) XXXX XXXX ( original XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
Fraud Department : Remove fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2022-02-07 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Received a email this morning stating that my account was being closed cause of a deposit account agreement without notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: LoanCare, LLC
State: WA

Complaint narrative:
My mortgage was in forebearance from XXXX. Loancare reported to XXXX and XXXX. XXXX still has the months showing as missed payments which is affecting my credit score. I have disputed this with the credit company and got no results.

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