vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We have always paid our bills and have used the convenience of auto pay. Our Citizens Bank Mastercard was paid out of our Citizens Bank checking account. Then in XXXX of 2023 we noticed our bill which should have been paid around the XXXX wasn't paid. My husband called Citizens Bank Card service and made arrangements to pay that bill and the {$29.00} late fee was credited. The same thing happened again in XXXX even though the autopay authorization to pay the statement balance was in place no funds were taken no statement was paid. My husband again called to find out why our payments were not accepted for payment and the representative said that there was a change in the bank 's routing number, which was unknown to us, we were still using our personal check which had the old routing number. My husband made arrangements to pay the XXXX bill on XX/XX/2023 using the funds from our designated Citizens Bank account and included the XXXX statement as well, the total paid over {$3500.00}. My husband tried to update the routing number on the autopay form on that day, it obviously didn't take because no funds were taken out for XXXX 's statement. The Citizens Bank has charged us {$130.00} in interest and levied bank fees and late charges {$69.00}, all because they changed a routing number and refused our attempted timely payments, and not properly finding a solution when we first contacted them in XXXX. We are more than ready to pay but they won't accept our payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I was seen in an ER XX/XX/XXXX and received hospital bills shortly after my visit which I paid ( even confirmed through my insurance app that all bills were paid ). In XXXX of XXXX, I started to receive an additional bill for {$68.00} from a Physician for that visit. Thinking it was taken care of and the bill was a mistake I did not inquire about the bill until XXXX when I received another notice. I expressed to the company ( with website XXXX  ) my concerns on receiving a bill so long after my services were thought to have been paid. I informed them I would need to get further clarification from my insurance as to why this bill took so long for approval ect. It took longer than anticipated to get information from my insurance. When I went to pay my bill on XX/XX/XXXX I saw it was sent to a collections company HRRG. I called XXXX XXXX pay to paid the bill and expressed my discontent about it being sent to collection when they should have seen in the records that I was in the process of trying to receive additional information. They assured me that my credit would not be affected and that I should not receive any further communication about the bill. A week later I received a phone call from HRRG about the debt and was understandably upset the associate made a note that the debt was paid and told me I would not be contacted again. Today on XX/XX/XXXX I received another call from HRRG. I did not trust the number that called since it was a local number and asked for the company number. I then called the number, ( XXXX ) XXXX, to figure out why I was still being harassed about a bill that I paid on XX/XX/XXXX. The person I spoke with said they saw I had a do not call on my account, but they had no proof the bill was paid and that I needed to provide them proof in writing or call the original company ( XXXX ) to have them remove the bill from collections for them to no longer call me. So, I called the company I paid and they said the bill was paid and to just let the collections company know so they would not call back. I informed them that I had done so and still received a second call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: MN

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-17 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Well XXXX XXXX I have contacted the creditors about dis account and ask them to dispute the items but they never did dispute so I writing asking for dis account to be removed off my file because the opening and closed dates are definitely wrong and also it's still showing that the account is still open which should been closed cuz I paid it off and they said it was going to be removed but did it so yo resolve dis issue asking for it 2 be removed off XXXX report only

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Well XXXX XXXX I have contacted the creditors about dis account and ask them to dispute the items but they never did dispute so I writing asking for dis account to be removed off my file because the opening and closed dates are definitely wrong and also it's still showing that the account is still open which should been closed cuz I paid it off and they said it was going to be removed but did it so yo resolve dis issue asking for it 2 be removed off XXXX report only

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX - Debtor- Portfolio Recovery Associates took me to court I believe in XX/XX/XXXX. The Judge reset the next hearing for them to provide the necessary documents to substantiate their claim. On the next hearing XX/XX/XXXX they did not provide any documentation that the judge requested. The Judge then filed an order to dismiss their case against me. I have filed multiple disputes with the credit bureaus ( XXXX XXXX XXXX, & XXXX ) providing them with the court order from the Judge dismissing my case. The have elected not to remove the claim by Portfolio Recovery Associates I also contacted Portfolio Recovery Associates to stop reporting debt due to the dismissal from the Judge. They have refused to remove the claim and has changed the date to keep this going on and on which has negatively impacted me for the last XXXX XXXX years. They refused to stop their harrassment to me and affecting my credit. 

I do not know what else to do to get protection from this Company that has lost in court and received a judgment. The Credit Bureaus won't assist me with this issue. I need your help Please let me know what's my next step?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act BridgeCrest Account # XXXX has violated my rights. Under 15 USC 1681 sections 602 States I have the right to privacy .15 USC 1681 Section 604a section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credits as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-17 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Wrong address displayed on credit report immediately remove XXXX XXXX XXXX XXXX XXXX fl XXXX and any other address my only and current address Is XXXX XXXX XXXX XXXX  XXXX fl XXXX I

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 2023-07-17 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: FL

Complaint narrative:
Wrong address displayed on credit report immediately remove XXXX XXXX XXXX XXXX XXXX fl XXXX and any other address my only and current address Is XXXX XXXX XXXX XXXX  XXXX fl XXXX I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Frontier Member # : XXXX This complaint is regarding frontier promotion with Barclays credit card. My offer was to get XXXX points with XXXX XXXX yearly fee after {$500.00} purchase. Link below I have applied for card XX/XX/14 and finished purchases by end of XXXX and XXXX point was rewarded in second week of XXXX. 
XXXX XXXX XXXX XXXX As per document at the time of complaint.. elite statusXXXX was supposed to be with XXXX points. 
XXXX XXXX XXXX XXXX  As per offer on credit card page there is no difference mentioned about normal point for elite status vs bonus point for this offer and its giving the impression by earning XXXX points.. you will get elite status, however when contacted agent mentioend these are different points and you have to make that much purchase to get elite status and these XXXX points doesn't count for elite status. 
No where on credit card page its mentioned about this point not considered for elite and details are given on page about elite status give impression about earning that only. 
Its clear case of false and misleading advertisement and fooling the customer. There customer service is not able to provide any documentation on difference between points stated in offer page. its a scam to get ppl apply to credit card Given screen shot of offer

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 2023-07-17 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
On XX/XX/XXXX I made a payment through my bill pay for {$87.00} and it was not applied to the card or returned back to the bill pay. 
On XX/XX/XXXX I made a payment for {$120.00} through my bill pay and it was not applied to the credit card or returned. They have been charging me interest and late fee even though the card is paid and even when we send over the wire trace details the Barclays Team is not applying the payment. 
The customer service people do not have access to the payment application team and my payments seem lost. I have called numerous times and a provisional credit gets applied then unapplied. 
They are also not returning the payments back to the bill pay service so they are taking the funds and I am not sure what is going on there. My payments are lost and you can not talk to anyone who can actually rectify the 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 2023-07-17 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: TX

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.

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 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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Date account was opened- XXXX / Date debt was reported XXXX Date account was closed XXXX amount due : {$2000.00}. 
Barclays bank has reported this information on my credit report as an unpaid balance but I am only listed as an authorized user- when calling and asking to be removed they informed me that they only was to be removed to write a letter and mail it to 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 2023-07-17 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: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2021 I have agreed to a settlement with Synchrony Bank / Ashley Furniture in the amount of {$1200.00}. With three consecutive monthly payments. I have fulfilled the arrangement and provided proof of the payments as well attached to this dispute .Keep in mind of the last payment in the amount of {$50.00} which was made over the phone. Because a representative stated that they had an issue with their system with that last payment. So they advised me to call and pay and when I paid the {$50.00} and I a was verified by multiple representatives that the account was paid in full clear. I have also days later called multiple times and each time was verified that I paid off the amount in full. Months to year later it reflected on my credit as a charge off. I have called multiple times spoke with their dispute department. Sent letters with documentation of them wanting proof of payments, which I sent to them. And there response letters only stated in return that I owe them something each time. They never really reviewed my proof just wanted me to pay. No direct response either really frustrating.

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 2023-07-17 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: NE

Complaint narrative:
This involves Experian, XXXX and XXXX. The case about debt collection with National accounts systems is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. Experian did not even bother to respond.

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