vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 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: MA

Complaint narrative:
I have a complaint against Experian regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from Experian on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to Experian but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.

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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Great American Finance Co
State: IL

Complaint narrative:
On or about XX/XX/2016, I purchased a sectional from XXXX XXXX XXXX in XXXX, IL. When the item was delivered it was damaged and it had bed bugs. I incurred a cost because I had to fumigate. The item was immediately returned. I was refunded for the item. XXXX XXXX requested I come in to reselect an item. I went in reselected but I was told the item would not be available for two months. I was ok with this because my home was under construction and I was XXXX  at the time. I received a call in XXXX of XXXX  from a XXXX XXXX representative indicating that my item was discontinued therefore it would not be delivered therefore I was told that I needed to come in and reselect.By this time I was frustrated and had no interest to purchase from XXXX XXXX. I was also undergoing a XXXX XXXX XXXX with XXXX XXXX so I was in and out of hospital. My focus was my baby. I never received an item from XXXX XXXX XXXX nor did I go back to XXXX XXXX. I am currently trying to purchase a home and this is affecting my credit. I have reached out to Great American Finance and the only thing they can tell me is that the item was delivered. I have gone to XXXX XXXX XXXX and they tell me that their delivery guys is an independant company. I have asked for proof of signature on who received the item and I have not been provided with such. I have been back and forth with Great American Finance they are making no effort in investigating the matter and XXXX XXXX is not making any effort to help me solve this matter. Great American Finance hung up the phone on me. Again I never received an item from them. They started sending me letters recently to settle but I don't owe them money if I never received an item. I had no idea this was on my credit report until I ran my credit in light of trying to purchase a home. This is the only item affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX but also happen before XXXX to, amount {$420.00} I disputed a claim and been calling to check status ( Bank of America ) they are doing an investigation but Im not happy the way the service is going. No updates or nothing

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 2020-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I made a charge of {$840.00} on XX/XX/XXXX on a promotional plan of deferred interest if paid in full in one year. 

In XXXX of XXXX I had a bill w/ a minimum payment of {$29.00} and a promotional balance ( on the charge noted above ) of {$280.00}. 

I made a payment of {$280.00} to pay off the promotional amount ( which {$280.00} is greater than {$29.00} ) which was cashed on XX/XX/XXXX. 

In my XXXX bill they charged me {$160.00} in finance charges related to the purchase on XX/XX/XXXX - they said that for me to have not been charged the finance charges I need to pay the promotional balance of {$280.00} + {$29.00} ( the minimum payment ). 

Nowhere on the bill did it state that I needed to pay this amount and it is ridiculous that they are charging me finance charges when I paid they amount that was due on promotion and that amount is greater than the {$29.00} due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened a Wayfair store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my Wayfair card would be converted into a XXXX. 2 Months ago I noticed Wayfair removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I was recently contacted regarding my credit that Shellpoint reported me more than 30 days late for my XX/XX/2020 payment this year which drastically impacted my credit score. My frustration with Shellpoint is that during this time, I was starting a 3 month forbearance plan, starting in XX/XX/2020 - but still made 1/2 payments for XX/XX/2020, XX/XX/2020, and XX/XX/2020 - Please note that I paid in full and caught up my account this XX/XX/2020 only because I was concerned about how slowly Shellpoint adjusted my account and wanted to continue to show my good status with Shellpoint. 

I had a guarantee by your team XXXX XXXX XXXX among others at the time ) that taking on a forbearance would not negatively impact my credit and that you would be keeping this internal to Shellpoint and no reporting to the credit bureaus. Please note that I have maintained my account in a pristine fashion with you for more than 3 years, with early payments. Even during the Forbearance period I made 1/2 payments, then paid in full early - before it was due in XXXX. 

I started conversations back in XXXX to decide if it made sense to use the forbearance plan, even though I had the savings for this - but due to COVID, my salary had been drastically reduced and this would help my short term cash flow. You can imagine my surprise when I just received notice that my credit dropped by nearly 100 points since Shellpoint reported that my XXXX payment was late - more than 30 days overdue - even though I was in Forbearance period and I also made a 1/2 payment for XXXX in XXXX. 

My credit has been perfect - obviously, in that I wouldn't have even been able to get a jumbo loan if this wasn't the case. 

Can you please straighten this situation out with your credit department and the Bureaus? I really appreciate your assistance in this matter. I have all of the paper work and history - in addition to the copy of my credit report showing Shellpoint 's negative rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is an collection agent that I have ask Transunion to investigate. It states that I owe XXXX. The credit report does not display the correct contact information for this company. I have asked them to send me information verifying that this account belongs to me. They have just update my account saying it was correct. I told them that them verifying via electron system is unacceptable. I have been denied several loans because of the inaccurate information.In the past I was a victim of identity. My Transunion file states that I have been in there system since XXXX I was only XXXX years old.

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 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/2020, my fiance had a student stipend of {$5700.00} deposited into my card BlueBird American Express. Not knowing this would be a breach of contract. That same day the money was deposited, the card was suspended, and we were told the funds were returned to the originator. We then contacted the University to receive a paper check but was rejected because BlueBird had not returned the funds. We were in constant contact with Bluebird and the University trying to recover the funds. We tracked the funds to a locked account with BlueBird. The BlueBird customer care team told us that if we close the account any remaining balance would be refunded to us. We were instructed to mail the request in and it would take 14 business days to process. We mailed the request. By XX/XX/2020, the account was open & suspended and no refund was given. At this time the BlueBird customer care team then informed that we need to have the originator send a letter of indemnity and after receiving the letter it will take 10 business days to process and return the funds to the originator. It is now XX/XX/2020, and the account is locked, not closed, with the funds presently in the account. I receive emails weekly from BlueBird stating my balance is {$5700.00}. The last email sent was Wednesday, XX/XX/2020, at XXXX XXXX.XXXX. stating my balance is {$5700.00}. All I am requesting is to have the funds returned to the originator.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Velocity Portfolio Group
State: NY

Complaint narrative:
On XXXX XXXX, XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I have a debt collector Waypoint resources that has been on my credit report it is not my debt and I have disputed it know 2 -3 times and have put a statement on my credit report about this debt collector along with other incorrect data I have had .I have no knowledge of this and I am cleaning my credit up and this one will not go away and very unprofessional employees they have at this business ..please look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NH

Complaint narrative:
During the fall of 2018, I had fallen significantly behind on payments on a credit card that I had with Elan Financial Services and had entered a payment arrangement with them to avoid having my account go 120 days past due and fall into " charge-off '' status. 

My account was set to go into " charge-off '' status on Friday, XXXX XX/XX/2018. 

Through no fault of my own, the first payment that I was going to make as part of the payment arrangement had gotten delayed in the mail and wouldn't arrive until the Saturday, XXXX XX/XX/2018. 
I called Elan Financial Services on Thursday the XXXX and Friday the XXXX to inform them of my predicament, provide them a tracking number for the envelop that I had sent the money order in ( as well as the serial number of the money order ), and see if there were any solutions whereby we could avoid having my account charged off. 
On Friday, XXXX XX/XX/2018 at approximately XXXX Eastern time, I was able to speak to a male supervisor at Elan Financial Services . This supervisor indicated that I had been misinformed about my account status and that the charge-off date was not until late XX/XX/2018 XXXX I do not remember the exact day that he told me ), and that as long as my money order was in their mailbox on Monday, I'd be fine. 

By Monday, XXXX XX/XX/2018, I realized that my account had in fact been charged-off so I called Elan Financial Services and spoke to a supervisor named XXXX ( her direct line is/was XXXX ). I described the situation to XXXX, who indicated that she would have to look into it and call me back. 

On Tuesday, XXXX XX/XX/2018 at approximately XXXX, XXXX did call me back to let me know that she reviewed all of the information and phone calls and that the male supervisor was indeed mistaken when he informed me that my account would not be charged off until late XXXX. Due to his error and the payment arriving late being no fault of my own, XXXX indicated that Elan Financial would not report my account as charged off/past due/delinquent to the credit reporting agencies. 

For the following two years, I have tried multiple times to have my credit reports updated, but it has not worked. I have disputed directly with the three bureaus as well as Elan directly, and they have made some changes, but my account still variously appears as delinquent/charged-off/past due ( depending on the credit reporting agency ) even though I have since settled the debt with them, hoping that this good faith move on my part would cause them to hold up to their agreement. 

I have been denied additional credit/increases on existing lines of credit multiple times since XX/XX/2018 directly due to Elan Financial Services not updating their reporting.

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 2020-11-20 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: CA

Complaint narrative:
Experian continually fails to process disputes. I have submitted and resubmitted disputes ( requests for investigations and reinvestigations ) several times through the CFPB portal and Experian continually claims it is not being submitted by me even though I provide all the correct identifying information which includes but is not limited to my Driver 's License, Social Security Card, and recent Utility Bill in my name. If I try to submit these disputes via US mail, they get ignored by Experian. When it comes it submitting disputes via Experian.com, they do not allow you to dispute inquiries and so you can't submit anything. 
XXXX Experian, please process the dispute that is attached to this complaint. Failure to process the dispute and investigation ( including any reinvestigations XXXX requested will result in a lawsuit in small claims court. Thank you.

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 2020-11-20 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: MA

Complaint narrative:
I have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX  balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.

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 2020-11-20 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: ID Analytics, Inc.
State: MA

Complaint narrative:
I have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: GA

Complaint narrative:
On XX/XX/XXXX, I initiated a charge with the XXXX app, using my Citibank Mastercard as a method of payment. XXXX informed me that the charge for {$9.00} was declined in their systems and that I needed to contact Citibank to find out why. The charge was approved and it's still pending with Citibank. I explained to multiple Citibank representatives that XXXX informed me that the charge had declined in their systems and that there was nothing that could be done on their end to rectify the problem. Citibank still has the funds on hold for this charge and are REFUSING to resolve this problem or reach out to XXXX in regards to this issue. Citibank 's response is for me to state that the charge was fraud, which it wasn't, being that I authorized the charge to be charged to the card. XXXX, the Citibank representative on XX/XX/XXXX stated in chat that the only way that Citibank would attempt to resolve this problem is for me to claim this charge was fraud ( which XXXX could attempt to file criminal charges against me ) when this transaction was not fraud. I informed Citibank of this issue on XX/XX/XXXX when XXXX informed me of the issue. XXXX, another Citibank representative stated that the hold of funds would be released after 3 to 4 business days. That time has elapsed and this charge is still showing as pending. On XX/XX/XXXX, XXXX stated that this charge and hold will remain for 30 days of which gives XXXX the time to claim this charge, which I have stated to these representatives that XXXX claims they can not claim any charges because said transaction was declined in their system. Again, this issue is being left unchecked, while my card balance isn't correct.

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