vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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:
I found the accounts on my credit report I never opens those accounts are fraudulent accounts

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 2020-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
This complaint deals with my Ann Taylor credit card at Comenity Bank. I paid the card balance of about {$300.00} on XX/XX/2019 -- one day late. I was assessed a late charge and a minimum interest charge of {$1.00}. I paid another {$27.00} in late XXXX, the late charge? I was traveling and didn't have the statement in front of me. 

Since that time, Comenity has been assessing a minimum interest fee of {$1.00} on what, I'm not sure and charging a {$27.00} late fee on a minimum interest charge, that is generated every single month on the previous month 's late fee!! This is absolutely outrageous!! I have not made any Ann Taylor purchases since XXXX. 

I called last month and the customer service rep reversed the fees, apologizing. I left the card open. Today, I got another bill for {$29.00} consisting of minimum interest charges and late fees. I called again, the customer service rep refused to reverse the late fee and the interest, so I cancelled the card. 

This practice is unfair, deceptive and abusive. I would like for Comenity to reverse any and all fees and interest charged to me since XX/XX/2019. I would also like for the CFPB to inquire into this practice by Comenity Bank, order restitution to all similarly situated consumers and assess civil money penalties against Comenity for a UDAAP violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
I am writing in regards to a late payment on my credit report from for XX/XX/2019 on my account # XXXX, original balance {$20000.00}, opened date XX/XX/2019 that occurred due to a third-party error. 

My due date is the XXXX  of the month. On XXXX, 2019 I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/2019 I received an email from the third-party company stating that they committed an error and my payment did not go through. Before this email, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

This was a situation that I could not control. I had over {$14000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 
As a courtesy, I am requesting that XXXX XXXX a goodwill adjustment and remove the late payment from my record. This is an account of more than {>= $1,000,000}. I have been with you for more than for more than one year. 

This is affecting me XXXX, and also my score dropped. I have lost many credits because of this situation. It is not fair this late being reported. I did receive a payment notification from the third party company. 

( I already sent all the documentation to XXXX XXXX on XX/XX/XXXX by mail ). 

Thank you for your consideration.

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 2020-04-24 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 found the accounts on my credit report I never opens those accounts are fraudulent accounts

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 2020-04-24 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:
I found the accounts on my credit report I never opens those accounts are fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: NY

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit EQUIFAX Report Confirmation # XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX  XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Contacted NCA they said I don't have an account with them, they referred me to another company. NCA is refusing to remove this debt that I don't owe them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company : PayPal Credit Report PayPal Identifier : SYNCB/PPC PayPal Inquiries : XX/XX/20 Inquiry ( XXXX  ) ; XX/XX/20 New Account ( XXXX  ) ; XX/XX/20 New Account ( XXXX  ) I did not open a PayPal line of credit. I have been unable to get a live person with PayPal and I just get the run-a-round. The PayPal website and the phone call only lets you access their dispute center if you have an account. I am unable to determine what this account is because I did not open it. The email listed in the document does not belong to me. I do not want to be held accountable for the fraud charge and the account. The account reflects {$20.00} was charged to the account for some unknown reason. The credit limit is {$3300.00}. Who knows what will happen because I can not get through to PayPal to close the account and notify them of the fraud.

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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
So, i contact my bank Hancock & Whitney on XX/XX/2020. I was charged double bounce. For one check. fees in the amount 36 same transaction. I was also charged monthly fee also XXXX dollars. This account my child support direct deposit because other parent is unemployed at this time. I am not receiving payment. Pandemic is that happening. I call and talk customer service. I was told nothing he could do help me about these fees. I would like back XXXX. It absolutely isnt time bank advanced customer. I deposit money in hold for 6 days so charge another bounce fee. This absolutely awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have passed the initial thirty day mark, and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA, they are required to .... " Promptly delete all information which that can not be verified '', that I have disputed. Please resolve this matter as soon as possible. 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 2020-04-24 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: NY

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit XXXX   Report Confirmation # XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX  XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help

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 2020-04-24 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: PA

Complaint narrative:
Claim submitted on XX/XX/XXXX Claim ID # XXXX My name is XXXX XXXX ( XX/XX/XXXX ) I submitted a claim due to the fact that my debit card was lost/stolen I followed all the steps the Bank of America asked I explained my story to about 5 different agents who all put different notes under my file after 10 business days they credited my account for the unauthorized transactions made to my account. 
Only for them to next re Open my claim and take the money back now my account is in the negative they did not give me a legit reason for them deny the claim when I did not use my card it has to be some proof they said they would look at the video surveillance I dont know if they did I did not use my card and I feel as though they did not make there decision correctly under REGULATION E It is a rough time for my family right now with me being out of work cause of convid-19 and I cant afford a major lost like this they credited my account then weeks later decided to take it back please help I have my income taxes coming to my account and my stimulus money but they put my account in negative by the money that I Go stolen out my account I am a victim of fraud and want justice

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 2020-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm just trying to use Experian boost to see if I can recover any of the nearly FIFTY points Experian has dropped My score in the last two weeks ... with paid off credit cards, no delinquent payments, income going up ... two other credit bureau scores INCREASING ... and I get told 'try another way ' ... really ... what ELSE do I have to try??? I've done app, web via phone, SEVEN DIFFERENT browsers on My computer, and customer service ... who hung up on Me @ approximately XXXX XXXX  central  ... I'm not impressed with Experian, and I'll save this post so when you delete I can decide what if anything to do next, without having to type it out again ... to say My experience is terrible is to understate the obvious ... 
failing recovering any of those points, I'd like to at least see WHY Experian is so incredibly out of line with the other two major bureaus ... I'm getting NO help from them

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is inaccurate and unverified information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: FL

Complaint narrative:
XX/XX/XXXX - XXXX  from XXXX  school XX/XX/XXXX - entered XXXX  program XX/XX/XXXX - requested that federal student loans be placed in forbearance for duration of XXXX  program XXXX  XXXX - received emails stating loans were 90 days delinquent and credit score dropped from XXXX to XXXX - contacted student loan servicer and student loans had not been placed in forbearance when first requested in XXXX - student loans were then placed into retroactive forbearance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - student loans remained in forbearance until completion of XXXX  XX/XX/XXXX - began dispute with XXXX  XXXX Equifax and XXXX  credit reporting agencies - disputes were completed and inaccurate 90 day delinquency WAS NOT removed from credit report, inaccurate information remains on credit reports - information was not removed despite updated documentation showing loans were placed in forbearance by student loan servicer dating to XX/XX/XXXX XX/XX/XXXX - submitted direct credit dispute to student loan servicer - reopened credit dispute with XXXX  and submitted updated documentation ; no resolution and inaccurate information stating 90 day delinquency remains on credit report - Equifax XXXX unable to login to system, requested new password information and no email was received despite multiple attempts to reset password - XXXX  XXXX unable to login to system on multiple days and multiple attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
To Whom it May Concern, Consider this document to be my a ) formal complaint against and b ) plea to CFPB for support in gaining restitution from the following two mortgage servicing companies -- XXXX XXXX XXXX ( at XXXX XXXX XXXX, XXXX XXXX, SD XXXX and/or XXXX XXXX XXXX, XXXX, AZ XXXX ) ( XXXX ) and ( XXXX XXXX ) /LOANCARE ( a XXXX   XXXX at XXXX XXXX XXXX, XXXX   XXXX , VA XXXX ) ( XXXX ) -- both of which breached their H.A.M.P. ( HAMP ) contract with me : 1 ) UPON DEMAND BEING MADE TO EACH OF XXXX AND XXXX, after each firm had received my formal written claim for the sum of {$720.00} ( due under that certain HAMP Borrower Incentive for Timely Payment Provision contained in HAMP document attached ), both XXXX and XXXX each refused to honor their contractual obligation contained in said HAMP document ( Contract ).

2 ) The HAMP Borrower Incentive for Timely Payment Provision giving rise to this complaint was originated by XXXX in XXXX. It offers Borrower a Timely Payment Incentive of $ XXXX/month for the purpose of reducing Borrowers mortgage balance upon pay-off. Borrowers payments were always timely after the Contract was entered with XXXX. 
3 ) For calendar years XXXX and XXXX XXXX met its obligation under the Contract and subject loan which XXXX designated # XXXXreducing the principal balance each of years XXXX and XXXX by {$1000.00} per year ( i.e. 12 months/year times $ XXXX/month= $  XXXX/year ). 
4 ) During calendar year XXXX XXXX   transferred its mortgage servicing benefits and obligations under the Contract to XXXX. 
5 ) Subsequently, on XX/XX/XXXX, XXXX loan # XXXX was paid off. 
6 ) The commensurate Borrower Incentive of {$720.00} which had accrued to Borrowers account up to and including XX/XX/XXXX for the calendar year XXXX ( i.e. XXXX Months -- XX/XX/XXXX to XX/XX/XXXX -- times $ XXXX/month ) was never applied to reduce the Loan Pay Off Demand which was generated by XXXX. 
7 ) Shortly before and after paying-off subject loan, having realized {$720.00} should have been but was not credited to my account upon payoff, I contacted XXXX and XXXX separately via phone & subsequently emailed each of them my Demand for {$720.00} plus all back-up information they requested. Thereafter Executives at XXXX and XXXX pointed fingers at each other as being the responsible party. XXXX claimed they had not known about the Contract upon assumption of servicing papers from XXXX   and therefore could not be held responsible as a result. Finally each of XXXX and XXXX refused to reimburse my {$720.00} claim -- suggesting I contact The Federal Government for assistance and/or remuneration. 
8 ) PLEASE NOTE THE SUMMARY PAGE OF THE ATTACHED H.A.M.P AGREEMENT ADDRESSED TO ME, XXXX XXXX, WHICH CONTAINS THE BORROWER INCENTIVE CLAUSEthe subject of my complaint and plea to CFPB. 

Please review this situation at your earliest opportunity and advise me of action pending as a result. 

Yours Truly, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: WV

Complaint narrative:
I sent in bank statements to verify my late payments on credit report dispute XX/XX/2020 thats been reported and Experian never change or dont think they took there time to investigate proper on XX/XX/2020 I call and spoke to ally bank and they stated there end was not completed yet so how Experian done a proper investigation they also put a late payment on my report for XX/XX/2020 thats suppose to be waived do to covid-19 please look in to this

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are accounts on my credit report that are inaccurate and not verified.

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