vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
In XXXX of XXXX, XXXX, and again in XXXX, my XXXX card issued by Comenity Bank was used by an unauthorized party who somehow had access to my account information even though I received a new credit card number after each of the three previous unauthorized charges during the past three years. No one else has access to my credit cards. 
In XXXX and XXXX, after filing a formal complaint with Comenity, they eventually conceded that it was an unauthorized charge ( XXXX for {$380.00} ) to my credit card. After each event, I received a new credit card with different account number. Unfortunately, in XXXX Comenity declined to do so, requiring me to pay the unauthorized charge to keep my account current and avoid a negative impact to my credit rating. 
Given that this is the third time in that many years that my account has had the same unauthorized charge for the same amount and payee against my credit card, I am quite concerned about the lack of responsiveness on Comenity 's part and what appears to be lax oversight provided for unauthorized charges and worry about what certainly appears to be a pattern of control breakdowns leading to unauthorized use. I'm also concerned about Comenity 's continued authorization of these annual charges to new credit card account numbers ; someone should have observed red flags by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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:
I am a victim of high capacity data breach in 2015. The thief was able to take my information as well as millions on others and sell it over the dark web and this resulted to attempts at my credit without my permission and the home loan from XXXX Mortgage 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 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a credit card from Bank XXXX XXXX a few years ago, and I set up auto payment for this account. 

After I opened BOA checking account, the autopay was messed up because of the bank 's internal system. I didn't notice the change, until the day until I own a balance and was charged recurrent late fees and interests ( almost {$200.00} XXXX. 

I called the bank, they closed my account, and denied it's their system 's fault causing difficulty of setting up the auto payment. I made a lot phone calls with the customer service, transferred between different department to fix this system setting. 

The agents claimed I could update the setting on my own so I should be responsible for the late fees. The fact is, the setting was corrected by the backend of the bank 's person, kept me in phone calls for hours long to help them set that up. I followed all the instructions but didn't not work after multiple try. 

In the end, I was still charged the late fee and interests due to the system setting up issue. And until now, I still don't know why the auto pay was changed and how they fixed that, and why it's my responsibility to pay for the bill while I can not set it up because of the system issue.

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 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
Sequium Asset Solutions : XX/XX/2020 I received a bill from Sequium in the amount of {$3700.00} from an XXXX XXXX XXXX bill. Due to Covid I was unable to pay right away. On XXXX XX/XX/XXXX, I contacted Sequium and arranged a payment plan for 10 equal payments to which they agreed to begin withdrawing from my checking account on XXXX XX/XX/XXXX. On schedule they took the money out of my account. On XXXX XX/XX/XXXX I received communication from a company called XXXX stating they had taken over the debt. The money was returned to my bank by Sequium. On XXXX XX/XX/XXXX my account was charged again by Sequium. 
I have tried to call them on every number available to the public and their automated systems will only go to a full voicemail account. I have notified my bank to block all further charges, however this company still needs to be investigated. they owe me money now because my financial institution charges me for every month I block their fraudulent activity, but its is too expensive to sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
The account reporting on my credit score is " fraudulent '' and does not belong to me. I want this account " DELETED '' ASAP off of my credit score, or me and my attorney will take legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: VA

Complaint narrative:
The account reporting on my XXXXredit score is " fraudulent '' and does not belong to me. I want this account " DELETED '' ASAP off of my credit score, or me and my attorney will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: FL

Complaint narrative:
Hello, XXXX XX/XX/XXXX my checking and saving account was closed without reasoning or a warning.I have never had any problems on my account which would result in my account closing. I spoke with a representative yesterday about my credit which was suppose to be applied to my account due to a claim XX/XX/XXXX and the representative told me they have XXXX business days, which is ok. My concern is that they normally apply credit the same day so I asked a XXXX why they are treating me differently for this particular claim.Today, XX/XX/XXXX they have closed my account without warning or notification. It was not until i attempted to use my debit card did i realize my account was closed. They told me the same unreasonable inhumane quote in a branch and corporate number that they have the right to close my account without warning or this was a business decision because you have the right does not mean you do so. I have never done anything to my account that i do not have the right to do. This company closed my account a day before they where required to initiate a credit for my claim which was a simple debit card claim. If there was anything wrong with a certain account why wasnt that certain account closed? They closed both my checking and saving account. The refused to give me my money at a branch stating i would receive a cashiers check. How am i suppose to eat and survive, with all of my money just taken and frozen? When will i receive my money? No information was provided to me. I am a XXXX XXXX XXXX hours away from home, for them to take my money with no explanation is very unethical. I have all of my money from other institutions pending deposit at Bank of America I will XXXX extreme hardship for months if this isnt handled. I will do whatever is needed to obtain a lawyer due the unfair practices used in closing the account if this situation can not be fixed.

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 2021-03-03 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: GA

Complaint narrative:
Credco Please see attached letter in response to your letter dated XX/XX/2021.

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 2021-03-03 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
The information thats reported on my credit report by Santander consumer USA, is inaccurate. On XX/XX/XXXX Santander received my regular monthly payment of {$790.00} in addition to a payment of {$15000.00} from a third party, proceeds from the auction of a XXXX XXXX XXXX thats financed through Santander consumer USA. For which they failed to pick up from the police impound after being given prior notice about the auction taking place. And now after receiving those payments, and me notifying them on XX/XX/XXXX about making future payments towards my account balance they went ahead and charged off my account without any prior notice. Which as severely damaged my credit and effecting me from securing future credits/loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
See both attached documents which explain entire complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
The amount of the debt was deducted from my SC state taxes by the original company I owed, XXXX XXXX in late 2020. The collection agency will not take this off my credit report even though it was paid months ago. I tried to dispute it and they said it was still owed, even though I have proof of it being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was set up for auto payments and the autopayments stopped causing late fees to occur and now a derogatory report on my credit file which has seriously lowered my credit score. 

5th 3rd bank did not call, text or email me to notify that I was behind or attempt to collect the late payments, I found out that payments were not made when our credit monitoring service notified us of a derogatory report for late payments. This happened XX/XX/XXXX and I was assessed a late fee and happened again XXXX and XX/XX/XXXX. 

XX/XX/XXXX {$570.00} with a {$28.00} late fee XX/XX/XXXX {$570.00} with a {$28.00} late fee Upon seeing the derogatory report, I immediately logged in and made the payment, then called the company. The customer service representative transferred me to installments so I could set up the autopayments and try to figure out why they were abruptly stopped. The representative in installment loans/auto bill pay could not explain why the autopayments stopped and showed no record of myself or my husband making this request ( because we would not have done this as we rely on this for consistency ). I requested to be transferred to the credit department so inquire about having the derogatory message removed from my credit report and was told that this would not be happening, even though I was not the cause of remark being there. I was told that I was not enrolled in autopay even though I had just transferred from enrolling in the program, was told that was not possible. This was the same call, on the same day after 5-6 transfers from representative to representative, setting up a monthly autopay amount of over and above the monthly requirement, and then told by the credit department this was NOT possible. After another representative clearly read to me that I WAS in the autopay and program correctly identified the bank the money is taken from. The last representative transferred me to his supervisor and of course, we got " disconnected '' ... .the line goes dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I was added as a joint holder on to my wife 's bank account with Goldenwest Credit Union, but there was no disclosure that the institution would do a hard credit check. Most financial institutions use XXXX and not public record on a simple account opening. The inquiry was marked as a installment loan inquiry. There was no loan or leverage that I was applying for. I also didn't sign an agreement to this hard check. On XX/XX/2021, I received an email from Experian that said they had hard-checked my credit. I attempted multiple phone calls between XX/XX/XXXX, and XX/XX/XXXX to resolve the issue. I ultimately visited the branch on XX/XX/XXXX and the representatives there said they couldn't do anything about the hard check. I also contacted Experian, who said they couldn't do anything and that I needed to work with the institution that did the check.

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 2021-03-03 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 — Investigation took more than 30 days
Company: Synovus Bank
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation 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
Consumer complaint received 2021-03-03 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2021-03-03 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 — Investigation took more than 30 days
Company: FC HoldCo LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation 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
Consumer complaint received 2021-03-03 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 — Investigation took more than 30 days
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, I went to my local Bank of America to deposit cash my parents gave me to pay off my monthly college payment. The total amount deposited by me was {$3200.00} and the ATM only gave me {$300.00} at the time of my deposit. I immediately called my bank the next morning to open a claim. I was told by the bank that I would get the {$2900.00} added to my account temporarily and if they needed any more information they would contact me. After a month and a half of waiting, I was not given any updates nor was I ever contacted for more information. I came back from school for winter break with my mom receiving a mail saying their investigation only found {$980.00} out of the {$2900.00} that was missing from my initial deposit. My mom and I decided to go to the bank around XX/XX/XXXX to speak with them in person and to escalate the investigation. They reopened my claim and told me all I could do for now is to wait for them to finish the investigation. I called them multiple times to see if they had an update and XXXX out of the 4 times I called I would get the same response. The fourth time was when the lady helping me said she can try escalating it again. After our conversation, she told me that I would get an email within the next XXXX business days. Still, I did not receive an update given by the representatives so I called again. They helped me escalate again and finally I got an email about my claim on XX/XX/XXXX. The message I received was completely incorrect as if the fraud department was looking into the wrong time frame this whole time. It clearly stated, " We found the transaction you referenced but we can't find any record of cash or additional cash being deposited at the ATM for {$1900.00} between XX/XX/XXXX and XX/XX/XXXX. '' I called them again telling them how this investigation was approached completely incorrectly and they said they would reopen the claim and that I had to fax them a written statement of why it had to be reopened. Within a week, they sent me another email saying the same exact message about how they could not repay me because they did not find anything within XX/XX/XXXX to 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 monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have previously filed a cfpb complaint under XXXX ID : XXXX. The complaint was in regards to secure message center not fully functioning and the documents that I sent in not being reviewed for a dispute that was closed for lack of response. The response that I received from Chase was insufficient as they did not even acknowledge the outage. Chase closed my complaint as resolved. I have tried multiple times to get a hold of the Chase representative that reviewed my complaint. However, XXXX XXXX extension. XXXX ) has failed to return any of my calls. I am frustrated that my complaint was closed and I have been told that no one can provide additional details of the case ( reference # XXXX with the exception of XXXX, who has failed to contact me as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Allied Collection Services Inc out of XXXX XXXX is trying to intimate? bullying me into paying for a debts that I do not owe. I notify them I was not responsible by sending them FTC Identity Theft Report and a Police Report of the actual incident. I'm frustrated that this keeps reappearing on my credit report after I've disputed numerous times in the past. I'm being harassed by these companies. I'm an old man and I don't owe anyone anything. Please help me this is making me lose trust in our Government.

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