vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: FL

Complaint narrative:
I closed an account through Comenity Bank that I opened through an Ulta store in XXXX of XXXX. I had never received a card or any other info on the card after I opened it XXXX of XXXX, I believe it was. I only used it on the date I opened it. I finally received a bill from them about the time I closed the account. On XX/XX/XXXX, I paid the balance of {$64.00}. They have been contacting me about late fees on this account after I closed it. I think theyre saying now I owe over {$300.00} on an account with a balance of XXXX when I closed it. For a period of about two weeks, I was getting calls from an unknown number multiple times per day, which I didnt answer or couldnt block because the number wasnt displayed. Finally they called and left a message so I knew it was them constantly calling. The unknown calls still came several times per day. Then I got another call with a message on XX/XX/XXXX and I talked to someone on that day. They said I was two days late paying my final bill so thats why I owe this money. They kept charging me fees when I didnt have an account! I said on this call that I would pay the late fee, but they said that wasnt enough. Now its on my credit report as delinquent. The same thing is going on with a XXXX card I got through Synchrony.I closed the account, asked what the balance was, paid it and theyve been charging me fees while I dont have an account and that is now on my credit too.I always had good credit before I opened two accounts to save a little money. Is this legal? Can you help me with these two matters?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
In XXXX of XXXX I received dental care costing approximately {$4000.00} at XXXX XXXX in XXXX Colorado. Upon proceeding to pay for this care, I was offered a promotional credit card called " CareCredit '' by Synchrony bank to spread the payment out over a period of 2 years at 0 interest by the front desk staff. The staff never explained to me how the card worked in detail to include how the differed interest would take effect. Even so, I remember when initially setting up the account I selected an amount ( approximately {$170.00} ) that would pay off the balance in the allotted time frame to be auto-drafted from my checking account. Fast forward to XX/XX/XXXX, as I am going through my bank statements I'm shocked to see I'm paying Synchrony Bank more than 2 years later, as I had believed that would have been paid in full by XXXX of XXXX. I promptly contacted Synchrony to explain this to them, telling them I'm more than happy to pay off the balance I had left in XX/XX/XXXX immediately, but I believed that the nearly {$2000.00} of interest they tacked on at that point was clearly a result of misunderstanding or a mistake in my auto-pay enrollment. They said there was nothing they could do, so I requested they send me every document they have on my account to include account set-up forms, auto-pay forms and monthly statements. They responded with a broad agreement without my signature on it, and my monthly statements going back 30 months. They have not produced any records that indicate my auto-pay enrollment details as I requested. Additionally, searching my email I found that the first statement I have from them is from XXXX of this year, after the differed interest had already kicked in. From the date of the account opening to the date the promotional period ended, the only emails I received were marketing other promotional products which I don't remember consenting to receiving. In this way, Synchrony bank failed to keep me informed about the status of my account, while constantly marketing to me to flood my inbox with irrelevant information and cloak their predatory intentions. They never made any effort to inform me that the differed interest was about to kick in, a simple phone call at any point leading up to this that explained I still had a balance and the differed interest would kick in would have caused me to promptly pay off the remaining balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery is starting I owe them over {$2000.00} for a something back in XXXX, I have never heard of them before. I did not open an account or authorize an account to be opened with them. I asked for paperwork to be sent to my home that has my signature on it, they stated they cant do that. I disputed the account under fraud but they are still reporting it as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I never heard of this debt. I monitor my credit with experian and in XXXX of 2023 or so I received notification that this account was posted to my XXXX and XXXX  report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-06-23 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: Block, Inc.
State: LA

Complaint narrative:
My Cash App account was closed 4 months ago because Cash app refused to properly handle a Dispute On this morning I checked my Cash Account it was closed I contacted Cash App only to be told I violated terms of there Service and no further action would be taken and that she was not allowed to give me Violation results and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2023-06-23 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: IL

Complaint narrative:
There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-06-23 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: IL

Complaint narrative:
There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I never heard of this company or this debt. I monitor my credit with XXXX  and in XXXX of XXXX  or so I received notification that this account was posted to my XXXX  and XXXX  report. The supposed amount owed is {$2500.00} with a company and a d/b/a i have never heard of or done any business with. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express keeps trying to contact me all hours of the day mostly very early am. It upsets me because they use numbers to where I have close family or friends or where my kids are in college and it scares me and I answer and there is always a delayed response which scares me to find out it is them. Why don't they have to call on XXXX # and it identifies the company name? Should be mandatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; WF CRD SVC XXXX XXXX OF XXXX XXXX WF CRD SVC XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2023-06-23 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: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I have no knowledge of this collection account Phoenix Financial Service and would like to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have not received {$100.00} ( paid {$5.00} fee ) Fathers Day card Vanilla confirmed in XX/XX/23. It has now been 11 working days; allowing 3 business days for processing 8 days later wouldve reached me by XX/XX/23. Visa states card will be received in 6-7 business from date of order. ( See below copies of your confirmation email. ) As of XX/XX/23 XXXX XXXX, I have called customer service 4 times each with excessive wait times; sent email XX/XX/23 ; checked on vanillagift.com ( no record of order ). 

Now Ive been told I have to wait 15 days from XXXX-with no explanation. Asked to speak to a supervisor call was dropped after 17 minutes of holding, 2nd hold to speak with supervisor waited 57+ minutes-never picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Bank investigating fraud that I reported. Holding my funds with no given time frame for returning them. Not responding to my requests for returning my money even though I supplied them with accurate information regarding my wire transfer which was legal and legitimate. They say they are investigating but I have no idea why as all the information re the wire transfer has been supplied to them. They stopped banking with me but will not return my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
During the month of XXXX, I received notification that Synchrony bank had closed 11 credit card accounts all at once. Their reason was because someone decided my accounts were indicative of risk. I have never missed a payment, never paid late, never went into collections on any of these accounts. I simply used the accounts and try my best to pay them in full as often as possible. Sometimes even making multiple payments per month. 

I called and spoke to a representative on XX/XX/XXXX named XXXX. He was an account XXXX. Upon review he said he did not know why the accounts were closed. He told a look at my credit and saw I did not have any delinquencies or collections. He asked about bankruptcy at which time I told him I have never filed for bankruptcy. In fact, I am in the process of buying a home and these account closures were going to adversely affect my credit. He said he would open an investigation and it take 30 days. It has been over 30 days and I have not heard anything so I called back. I spoke to another representative that could not offer any help. 

These account closures caused my XXXX XXXX to drop by XXXX points. I have since reapplied for new accounts on 3 occasions and all 3 were approved.

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 2023-06-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Has violated my rights. Or list of inquiries : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I will be suing all 3 credit bureaus for false placing medical records on my credit report for years that do not belong to me. I have filed many disputes over the last two years. First and foremost I have full medical insurance so my company is always billed. Second I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Grevens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I have not authorized any companys to share my medical information under the HIPPA laws this is a violation. Third. None of the medial bills listed belongs to me and Ive reached out to the hospitals as well documented and recorded everything this is becoming an harassment to my life financially and I will see them in court for falsely placing medical bills on 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 explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as 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