vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was COMENITY BANK/XXXX customer since 2014. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2014 ). Since that time I was an exceptional customer paying every month on time. This is my second request. If you delete a missed payment - I will put payments on auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Set up accommodations with XXXX to pay {$35.00} a month only do to COVID19 disaster. i am having a hardship, which was explained to customer service. We agreed on above amount. The amount was taken every month for six months. I spoke to customer service after the six month period to renew again do to hardship. They failed to renew, just placed it for collection instead. Do to the covid19 cares act. I'm asking that this be removed from my credit report. i followed through with making all payments that was asked. This company is also reporting XXXX as late payment. i have proof of XX/XX/2021 payment. also they are reporting an in correct balance. I am requesting original contract. if this information can not be provided. I am asking that the collection be remove. 

also my score dropped XXXX something points because of this. then dropped an addition XXXX points and experian can't explain what happen.

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 2021-02-23 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 — Investigation took more than 30 days
Company: Southern Auto Finance Co
State: AL

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 2021-02-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I received 1 cash advance of XXXX on XX/XX/2020 from XXXX XXXX XXXX  XXXX IN from Citicard Diamond. When I received my statement it was on there as 2 XXXX transactions. I opened dispute with Citicard who contacted XXXX XXXX who responded to the duplicate charge as it not being a duplicate they pulled their records at the bank and only 1 transaction was made and only 1 advance of XXXX was given Citicard closed the case out because they say two transactions were done and put the responsibility on XXXX XXXX to resolve saying they must repay me. XXXX XXXX contacted me and has now said I need to reopen dispute with Citicard and let them know that XXXX XXXX has determined this not to be duplicate and file dispute as an unauthorized charge since I never received but XXXX XXXX cash advance i am being charged interest for 2 cash advances which I want a credit to my account both of these companies just keep passing the buck to one another and I the consumer is having to pay for an additional XXXX advance I never received

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascendium Education Group
State: OH

Complaint narrative:
I have been garnished for student loan payments since XXXX and have paid over XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Ascendium Education Solutions. I have requested my payment history due to contacting the Department of Education stating my loans are still in default. The XXXX emergency student loan payments have been extended until XX/XX/XXXX but I have been garnished again since early XXXX. I haven't been able to get information from them to tell me where my money is going. I want to get out of default and my XXXX has not done that for me. I want the money applied to my student loans. I participated with XXXX XXXX XXXX rehabilitation program and completed it last XXXX. I have no information on the next steps on my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
I NEED HELP GETTING THIS ERROR CORRECTED ON MY CREDIT REPORT DUE TO IDENTITY THEFT.

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 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: IL

Complaint narrative:
I wrote Hardship letter to Flagship and it was accepted in Good faith presumably? They answer in good faith I guess? So I agreed to there terms then I was blessed with additional funds and I paid the complete balance and some. I enclosed a rider subject to them cashing the balance of check and did not receive a reply nor conformation. They cashed the check and took over 60 days to credit the account. Then they added extra fees and then after 90 days corrected them. I am request correction on the part of Flagship. They receive funds upon agreement but never correct the funds to the account. At first credit bureaus showed account in collection. Wrong amounts of balance and payments they refuse to correct. The account is paid in full but they show three collection on account and still show charge off? how can account be both? So I paid the to get a worst credit score then before. I request deletion of account asap.

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 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Since XXXX XXXX XXXX has been attempting to collect {$620.00} on an account I closed over 7 years ago with Capital One with a XXXX balance. The card was a secured card and the deposit was used to close out the account. In XX/XX/XXXX I expressed my frustration with the original creditor, Capital One, and they agreed with me and gave me a new credit card account! For the past 4 years, however, I have repeatedly disputed the previous account with XXXX XXXX and they have not been able to provide me with substantial docs necessary to substantiate the debt. 

On XX/XX/XXXX I filed a formal complaint with the IL XXXX XXXX XXXX XXXX regarding this matter. I was told that per law XXXX XXXX is to provide the following docs to me in writing. 

1. Original Contract between me and Capital One 2. Payoff disclosure provided at the time I opened the account 3. Interest rate disclosure 4. Balance history 5. Payment history 6. Credit insurance disclosure I have requested these items from XXXX XXXX and they have refused to provide them. I demand that PER LAW they either provide these docs or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I had an insurance claim and I was not able to use those funds to pay off my loan I had my home in escrow and I was dragged on for weeks and months not knowing what the outcome was for me to come up with 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 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I checked my credit report on XX/XX/XXXX I reached out to the original creditors and I also disputed the inaccuracies with XXXX, XXXX, and XXXX. XXXX  reached out to me XX/XX/XXXX saying it was verified as accurate m. I never received any proof of the accounts being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I did not give XXXX XXXX written or any other consent to pull or review my credit. They broke the law according to. Trans Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Transunion by law was supposed to make sure that this alleged consumer transaction was legal based on Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

They did not. 

I'm asking for this unauthorized inquiry be immediately removed from my credit.

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 2021-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian allows companies listing on my credit thats aged past Florida XXXX XXXX for credit cards and also Date of First Delinquency is provided by creditors that are not accurate and is causing past the time frame on ones credit to allow and hold credit from progressing which is unethical according to the fair credit act

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express took it upon themselves to automatically opt me IN to paperless billing without my consent. Five minutes after they sent me an email notifying me of this change and after I responded by having to log into my account to again opt OUT I received another email from them telling me my current month paperless statement was now ready. I did not and do NOT request paperless statements and do not appreciate American Express forcing this on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premium Credit Bureau
State: FL

Complaint narrative:
Validation that I gave written consent under Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq, I demand removal from my credit report and pay {$1000.00} dollars for unauthorized inquiry : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To [ Premium Cred ] You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

I also request validation that, I gave written consent to pull or review my credit. Failure to produce evidence by law, I will be seeking damages, if it is not immediately removed from my credit. I have not initiated any transaction with Premium CRED Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Premium CRED for review or collection. 


Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have incorrect addresses that need to be removed from my credit report, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
On XX/XX/2021 I disputed a claim for debt and requested validation of alleged debt with Steven 's Business Service located in XXXX Massachusetts. I requested they prove the statue of limitations has not expired on the account. I requested proof that Steven 's Business Service is authorized to collect in my state. I requested license numbers and registered agent contact information as they are incorporated. I requested copies of verifications that show I agreed to pay the alleged amount of debt. I requested 30 days to validate any information the Respondent should supply. I requested a cease and desist of reporting any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
On XX/XX/2021 Steven 's Business Service responded with copies of medical billing statements. I did not ask for simple verification of the alleged debt, I asked for validation. I was not supplied with proper documents. I was not supplied with proof that the above respondent can collect in my state. I was not supplied with license numbers or registered Agent information. I was not supplied with proof that the statue of limitations has not expired. I was not supplied with verification of an agreement with any party to pay the alleged debt. Steven 's Business Service continues to verify and report invalidated information to the credit reporting repositories. 
I have proof that Steven 's Business Service is attempting to collect and reporting debt that is time barred according to Massachusetts General Laws on the statue of limitations. Furthermore the above Respondent is in violation of the Fair Debt Collections Practices Act. The alleged debt occured when my employer changed the employee benefits group insurance company. I was fully insured through my employer, however the medical office had incorrect billing information due to the employers change in carrier. I do not owe this alleged debt. The correct carrier was billed for this. This is duplicate and time barred alleged debt. I request that the incorrect information be removed from all credit reporting repositories, as it has no validation and is inaccurate. This is detrimental to my credit report. Please assist me in rectifying the inaccurate information and providing me with any proof of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2021 my credit card account was restricted because I personally added authorized users to my account. I called and asked capitol one of the amount of users I can add before there would be a problem with the account and they wouldnt provide an answer. I was never informed I would need to provide extra documents when adding an AU Now Im being asked to provide an ID and social security cards of each AU with further risk identity fraud. Capitol One informed me that there wasnt any fraud detected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 — Investigation took more than 30 days
Company: BTH Management
State: AL

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 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Had an account at TD Bank NA, XXXX They closed the account on XX/XX/21 and sent the balance without the accrued interest. 

On XX/XX/21 they debited the account for two payments to XXXX XXXX, for {$45.00} & {$40.00} Four days later the closed the account, the money was available in the account as shown on the statement. 

On or about XX/XX/21 they reversed the payment, which should not have. 

They must either send me a check for {$85.00} or make the payment back to XXXX XXXX. 

Tried to resolve by calling and emailing, but got now answer from TD Bank. 

TDBank is stealing and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters to Experian disputing the inaccurate reporting of the following account : XXXX Account # XXXX They are reporting this as an " Auto Loan '' and the contract from XXXX clearly states it was a Motor Vehicle Retail Installment Sales Contract ( See attached document ). 
Experian 's last response on XX/XX/2021 verified all information being reported was accurate and correct ( See attached document ) Inaccurate reporting is a FCRA violation. 
They have failed to perform a complete and proper investigation! My credit rating is very important to me and this is unacceptable in the middle of this Pandemic!

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 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Remove the frauds Alerts And inquiries from my credit profile. 


I never asked to have a fraud alert placed on my credit profile. I only asked That the following unauthorized inquiries be removed from my credit profile!!!! 

REMOVAL ALL FRAUD ALERTS FROM MY PROFILE!!!!!! 
IT IS HURTING MY CREDIT I CAN NOT USE MY CREDIT CARDS!!!!!! 


remove the following inquiries from my credit profile Hard Inquiries XXXX XXXX bod XXXX ss # 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 2021-02-23 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 — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: AR

Complaint narrative:
Set up accommodations with XXXX to pay {$35.00} a month only do to COVID19 disaster. i am having a hardship, which was explained to customer service. We agreed on above amount. The amount was taken every month for six months. I spoke to customer service after the six month period to renew again do to hardship. They failed to renew, just placed it for collection instead. Do to the covid19 cares act. I'm asking that this be removed from my credit report. i followed through with making all payments that was asked. This company is also reporting XXXX as late payment. i have proof of XX/XX/2021 payment. also they are reporting an in correct balance. I am requesting original contract. if this information can not be provided. I am asking that the collection be remove. 

also my score dropped 30 something points because of this. then dropped an addition 21 points and XXXX can't explain what happen.

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 2021-02-23 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation