vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/2020 Comenity Bank website suffered either a hack or misconfiguration that allowed me to see at least XXXX other client accounts. The information that I was allowed to see was user name, phone number, full name of client, and account charges/payments activities. 

Maybe I would have seen more had I looked, but I was assured I would see nothing but what would be publicly accessible. I was also assured the site was not hacked. 

As a note, I recorded my screen for 2 of 3 clients while the site was " misconfigured. '' On XX/XX/2020 I made a complaint against Comenity Bank with the XXXX XXXX XXXX 

On XX/XX/2020 I received a secure message from Comenity Bank, which explained little or nothing. It did not say whether my account had been compromised, whether they were notifying all clients, nor what they would do to prevent further occurrences. 

On XX/XX/2020 the XXXX  said the case was closed, whether I accepted the resolution or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank states on their website at https : //www.mysynchrony.com/servicing.html that customers suffering financial hardship may receive fee adjustments, deferred payments, extending an existing credit card promotion, and reevaluating your credit limits. I contacted them in regards to my care credit. I asked for a deferment due to covid related issues, I missed several days of work/pay. They told me they no longer offer deferred payments. They stated only options I have is if I let my account go delinquent. Once I do that, then call them back. I asked what the options would be. They stated to close out my account and put me on a repayment plan. I told them I wasn't interested in that, I only needed help this month, payment due on XX/XX/XXXX for my XXXX statement. They said the promotion of deferred payments expired in XXXX, yet part of their hardship advertising is extending credit card promotions. Its all false advertising. 

Synchrony bank is falsely advertising financial help for customers, when their only option is to close out your account and put you on a repayment plan. They implied I needed to not pay, go delinquent on an account that's never been delinquent, just so they can help me by closing out my account - which was still not guaranteed acceptance on the repayment plan.

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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I cancelled a phone service I had gotten for the business ( I paid cash for the cell phones ) the services were never used and the account was cancelled within 15 days and never used. I called to verify with XXXX and they said it was all true and not to worry as the accounts were cancelled and never used. Then I got a bill from convergent and called them they were not reachable, the bill states to pay {$190.00} and the whole thing is over instead of an amount am not sure how they came up with {$240.00}. I didnt have much time to deal with this so I sent a check, now I look at my credit report there is both a collection and a settlement for a service 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 explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
My reliacard was frozen 3 weeks ago because of a fraud check. I called the company and was told to verify my information on their website which I did. They never made my card active. I called back and they told me to fax a copy of my license over and resend my license picture through the website which I did. I keep calling to find out why my card remains inactive and they can't give me an answer. I need to pay my rent or else I'm getting evicted. They said it should take 7 business days but it has been 3 weeks.

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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Paid XXXX towards my principle on XX/XX/2020 Money was not applies correctly. 
Called on XXXX to have it corrected Nothing was taking care of Called on XX/XX/2020 spoke with person to have the correct it still nothing happened. 
Called on XX/XX/2020 started case XXXX to have the money applied the correct way still nothing. 
Called on XX/XX/2020 Case XXXX to have them try to correct the principle payment again and still not corrections. 
Called on XX/XX/2020 Spoke with XXXX to have them just send me back my XXXX to be electronically deposited into my checking account sent over via email all bank info so have the money refunded. Still nothing Called on XX/XX/2020 Spoke with XXXX to find out why money had not been deposited and he said it was escilated to XXXX XXXX and that it would be handled within 3 business days. Still nothing Called on XX/XX/2020 spoke with XXXX again money was applied to loan and not returned to my bank account another mistake. He DM XXXX to have him contact me to get it corrected. Waiting ... ... ... ... ... ... .. 
Help please

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This medical is bill is not my bill. I believe someone is trying to use my information. I sent you my personal documents to prove its me and note that I am not a lender nor a credit repair schemed company. Please remove this data immediately as I have stellar 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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This medical is bill is not my bill. I believe someone is trying to use my information. I sent you my personal documents to prove its me and note that I am not a lender nor a credit repair schemed company. Please remove this data immediately as I have stellar credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have already filed a complaint about this on XX/XX/20. Here is the complaint ID : XXXX. The complaint was closed, however, this company still HAS NOT updated my credit report. 

This account is STILL showing up on my Transunion credit report. It is keeping my score down. The other two bureaus are NOT showing this. Apparently, they got the memo that I had a bankruptcy. 

I have called this company ( as well as Transunion ) and told their customer service that I filed a CFPB complaint, that XXXX 's responded to and told me that they would remove this from my report and to please give them at least 45 days to remove it. They gave me the run around. I was transferred from representative to representative and then asked to call their legal department, I did that too. The legal department told me they do not deal with the credit side and all they could do is forward my request back to their client. 

When I called Transunion, initially, they asked me to allow them 45 days to update my report. I waited PAST 45 days and called them back as well. When I called back, they told me to contact XXXX 's? Huh??? 

I should not be getting this run around. I just need this removed.

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 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the XXXX is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX  responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I have been making my car payments early. Santander consumer USA its not calculating the interest correctly for my payment amounts. I made my car loan 30 days early. They charged me {$300.00} in interest and only applied XXXX something towards the principal. I called and spoke to the manager and when I asked her detailed questions she hung up on me. I believe Santander consumer USA is fraudulently over charging my auto loan account. If you look at my payment history and the amount applied towards interest and principal amounts. The daily rates and interest charges are being billed incorrectly. I should not owe that much interest especially if I am making my monthly payment early. I have never been late with my auto loan payments. Please investigate all principal and interest amounts on my account for every payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My payment I had last month XX/XX/2020 for {$520.00} did not post to my loan account. It came out of my XXXX account XX/XX/2020. Confirmation Number : XXXX. I contacted the mortgage service today XX/XX/2020 and told my payment was applied to principal. They said they would submit a request, but I wouldnt get confirmation when it was complete. They said the payment I made today XX/XX/2020 for {$520.00} would go to principal and Id have to contact them once it posted wrong. I submitted my payments online as normal NOT principal payments. When I call their XXXX # I can not get a human and shuffled in the automated system.

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 2020-11-03 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: AL

Complaint narrative:
I have filed for them to remove this bankruptcy 3 time with supporting documentation. They stated in the document provided that XXXX verified the information as of todays date XX/XX/2020 but the bankruptcy was removed for. XXXX as of XX/XX/2020. They are reporting inaccurate information and I would like for it to be removed and a updated copy of my credit report sent to me. 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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
I have been going through the refinance process for primary residence with Owning Corporation for a few weeks now. I signed the final loan documents on XX/XX/2020, and as of of today XX/XX/2020, my new loan has not been funded and closed. Now, my payment with the existing lender is due and I am not sure what I need to do. 

I have sent multiple emails to the Owning closing agent and for the most part, I have been ignored. On Friday XX/XX/2020, I sent another email to the Owning closing agent and I mentioned that I was in the process of filing a complaint with CFPB. Immediately after that, I received a response and I was told my loan would close in 48 hours. As I mentioned earlier, I just checked my existing mortgage account online, and it appears that the loan has not funded yet. 

Due to this unwarranted delay in funding my loan, I am incurring higher interests and I am in the danger of being late with my current lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My car was repossessed on XXXX of 2019 and I never received the Rights to Cure before repo nor The Notice of Sale post repo. This is a violation of he FCRA. I contacted Santander several times and they informed me that it was sent to the wrong address. I asked what address was on file and they gave me the correct one. I also asked them why they sent such important documents to incorrect address if the correct address was on file, and the rep stated she didn't know. The credit bureaus keep verifying the debt and updating Santander on my report. It is not the debt that i'm disputing, it is their business practice which violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Fraudulent Unauthorized XXXX  transfers from Chase checking account On XX/XX/2020, 3 XXXX payments were initated and 2 were successfully completed. These were all made in the very early hours of the morning, outside of the account holder 's current pattern of use for the past 5+ years. The transfers were made in short succession. The 3rd one ( {$800.00} ) was correctly marked as fraud by the bank 's system, but the first two ( {$840.00} and {$800.00} ) were allowed to go through. 
A claim was filed for fraud charges with the bank, but it was deemed that they were no fraudulent. A 2nd, 3rd, and 4th fraud charge was filed my the account holder ( or reinstated the first depending on terminology ) for the same issue. 
Screenshots detailing a new device accessing the checking account in the days that the transfers were made as well as an added phone number and email to the account were provided. The bank felt these were not enough to prove the transfers were fraudulent but refuse to offer what information would be helpful. XXXX was never used on the account previous to this and has since been denied further access to the account as far as the account holder can tell. 
4+ calls to the Online Fraud Department as well as visiting the bank branch proper have yelded no resolutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I worked for a company that had an XXXX XXXX account and that issued employees cards. If an employee used the card for personal purchases, then the company policy was to pay XXXX XXXX directly for the amount used. Which I an other employee 's did. The company went under during Covid and I began getting notice 's and bills from XXXX XXXX addressed to me personally. Mind you I have never had a personal XXXX XXXX card or account and in fact was denied a card the only time I applied. I Made disputes which XXXX  replied to the credit bureaus that it was legitimate without supplying a copy of the application or any personal identifying information. I notified the Consumer Financial Protection Bureau and XXXX  at least adjusted my credit score but did not remove the false delinquency information. The other two agencies still have my score over XXXX points below XXXX  ( XXXX XXXX. XXXX XXXX responded to me that since I paid my portion of the Bill I was responsible for the balance of the Company 's bill! I spoke with a person who would only provide her first name, XXXX, and she said its their policy. It's a crime to tell a deliberate falsehood to a regulatory type agency like credit bureau 's. I questioned if the other former employee 's were also targeted and they would not answer. But my contact with them disclosed that none of them contacted received any deliquencies from XXXX XXXX. The company was a S-corporation with its own tax id number and the law provides XXXX XXXX with a way of addressing the corporation. XXXX XXXX choose to notify the credit bureau that the accounts were closed but in doing so the closure remains as a delinquency on my personal report. a delinquency that has been closed is still a delinquency in the eyes of other creditors. I have been denied the smallest of credit lines and denied the ability to refinance my mortgage with the historically low interest rates because of this action. i know that XXXX XXXX is a large corporation but they should not have the right to submit false unsubstantiated delinquencies without governance. I would like your help in having the false information completely removed from all of my credit reports. Closing of the account is not removal from the report. if the CFPB is unable to have the credit bureau 's correct clearly wrong delinquency information on a Credit Report, then it's effectiveness is limited at best and useless at it worse. 
My research shows that this is a new agency and therefore may not be fully aware of the effect that actions like mine have on a persons credit life, but I also found it that the creation of the Bureau was for such a time as this. Thank you for your time and anticipated help in this very important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a complaint on here a few weeks ago XXXX XXXX XXXX XXXX and also had the CFPB send a copy to the original creditor JP MORGAN CHASE BANK. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome XXXX XXXX XXXX XXXX which was attached states the Chase is there CLIENT. Also XXXX XXXX XXXX XXXX use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both XXXX XXXX XXXX XXXX and JP MORGAN CHASE BANK responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly XXXX XXXX XXXX XXXX said for me to contact them to discuss more info but how if you dont own the debt as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Failure to MOV, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following item within the time set forth by law. 

Bank Of America XXXX Open Date XX/XX/2014 Balance {$200.00}

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