vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
then called American Express for a chargeback since I did not get my television. The representative took notes and opened a dispute. Yesterday XX/XX/2020 I received a letter from American Express stating that I was going to be rebilled for the charge, even though I dont have the item. American Express claimed that the merchandise was picked up and that theres a proper disclosure of all sales final. This is absolutely ridiculous because I NEVER received the item and I wasnt supposed to pick up the item it was supposed to be delivered to my residence. On the second page of the letter which is titled chargeback rebuttal info, it states that the customer ( me ) bought a tv and claimed it was broken. That is a LIE! I never received the item so how can I possibly claim its broken? I have been amember with American Express for four years and had no issue until now. This is really stressing my out because Im being charged for an item I never received and I have to pay during a time Im not working and theres a pandemic. This is very very unprofessional and disrespectful towards a very loyal customer that I have been for four years. Furthermore, American Express has changed their dispute resolution FOUR times and every time I call I get told a different date. First it was XX/XX/XXXX, then XX/XX/XXXX and finally XX/XX/2020. I called XX/XX/2020 and was told by the customer service rep XXXX that the dispute should be resolved by XX/XX/2020. I called on XX/XX/2020 and was told now that the resolution is expected by XX/XX/XXXX. How many times is American Express going to keep playing this childish games? They are doing all their effort to give the merchant the benefit of the doubt and giving them all the time in the world BUT were so quick to close the dispute against me with false XXXX. Also, on this call on XX/XX/2020 I requested to speak to a supervisor and was told that one would call be back in 24 hours. Its XX/XX/XXXX and havent received a call. American Express is an absolute disgrace and their disrespectful behavior towards a good standing customer is atrocious and unprofessional

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had submitted a disrupt two acount that I didnt recognize on my credit report with a company that I had hired XXXX XXXX XXXX in disprove the issue XXXX 2020 And they didnt respond to the dispute and I also have accounts that was deleted from XXXX XXXX and XXXX  that Equifax did update and the credit file number that Im a reference it to in the pictures that Im taking his full credit, XXXX XXXX file number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called XXXX XXXX XXXX XXXX. They rectified the situation by sending out a 1099-C Debt Cancellation notice : 1099-c under 26 U.S.C. 108 - U.S. Code - Income from discharge of indebtedness.

That Discharges the debt and counts it as income. XXXX  and XXXX  has removed it from my credit report according to XXXX ( service I pay for ) as well as XXXX XXXX. However, Experian continues to report it as factual and gives me continuous lates and derogatory status. 

Also, XXXX  XXXX XXXX XXXX originally used this account number to report the debt and it was deleted : XXXX Now, XXXX XXXX  XXXX XXXX refiled THE SAME DEBT under a new account number : XXXX Clearly showing they are purposely misrepresenting the facts that is clearly illegal. 

I have included the letter I sent out to Experian since XX/XX/2020. Since the shutdown, I gave everyone the benefit of the doubt to rectify the situation. It is only getting worse.

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 2020-12-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/2018, XXXX, a company our office used to pay our office rent, mistakenly made two withdrawals from our checking account on the same day. I knew nothing of their error until TD Bank sent me an overdraft fee for my home mortgage, which was on automatic payment. XXXX reimbursed me for the fee, but it wasn't until recently when I tried to refi my mortgage that I discovered that TD had also reported the late payment to the credit bureaus, which impacts the amount of interest I will have to pay on my new mortgage. My credit scores are XXXX plus, except for the kind of score that XXXX XXXX uses, which had been impacted by the TD report. I finally, after almost a month of searching, was able to get hold of XXXX XXXX, an assistant Vice President in TD 's Chairman 's Service Center. She saw that I had never been late late in my mortgage payment prior to this, and I was never subsequently late. She told me to get a letter from XXXX acknowledging its error, which I did, and forwarded it to her, along with a copy of the {$35.00} check that XXXX had sent as reimbursement in 2018 for their mistake. About two weeks ago, she called to tell that the Operations Dept at TD refused to ask that the black mark they had submitted to the credit bureaus be deleted. Their reason was : they didn't make the mistake : it was XXXX. But it was TD that had submitted the black mark to the credit bureaus without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NJ

Complaint narrative:
I paid off XXXX through a settlement program about 2 years ago. To this date affirm has still not removed it and put it in collections. The two credit bureaus have removed it after my lawyers sent in documents showing it was paid. Experian has not. Ive been disputing it along with the lawyers and they still deny it. Its illegal what both these companies are doing. Been dragging down my credit for two years now

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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I attempted to purchase a gift card from my local post office. During the transaction there was a malfunction with the card reader, causing my debit card to be charged but the gift card was never activated or never were there any funds on the gift card. The manager on duty apologized and told me the charge would fall off of my account in 2-3 business but did not. I filed a claim with my bank, Capital One, in the amount of {$100.00} and they gave me a provisional credit. XX/XX/2020, my claim was denied stating the merchant provided documentation that this was a valid transaction. I followed up with Capital One and spoke with SEVERAL people who were no help. I even provided the original receipt that shows money was taken from my account but I was never given a gift card. They replied stating " refer to the original decision ''! Today they have removed the money from my account unjustly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2019 until current year as of now. I have been out of work, and could not pay any of my bills. American Express knew about my situation. The Charge Offs with AMERICAN EXPRESS need to be verified, otherwise should be removed. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/2019 until current year as of now. I have been out of work, and could not pay any of my bills. Barclays Bank Delaware knew about my situation. The Charge Offs with Barclays Bank Delaware need to be verified, otherwise should be removed. Thank you kindly.

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 2020-12-30 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: FL

Complaint narrative:
There is a company that is purposely breaching the Fair Credit Report Act by reporting an account to my credit that does not belong to me. 

XXXX  XXXX is a collection agency that is claiming that I owe them money. I have never had a relationship with them. 

The Fair Credit Report act states that if they can not provide the original contract for the account that is allegedly mine as well as provide my wet signature than the account must be removed. I sent a 609 letter back in XXXX, yet the account remains on 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 2020-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
CEASE AND DESIST COLLECTIONS AND STOP CALLING MY MOTHER AND FATHER XXXX I WILL HANDLE THIS MATTER IN COURT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX I received a derogatory remark from equifax on my account, from XXXX XXXX for {$14.00}. I have not received any service from them. I have not received any bill in the mail from them. I haven't even been x-rayed in two years. I submitted a dispute XXXX XXXX. No response still and it's XX/XX/2020 as I'm writing this. They have had plenty of time to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Sub : Refund issue from Comenity Capital Bank I purchased an Airline ticket ( XXXX XXXX ) at XXXX on XXXX XX/XX/XXXX using XXXX XXXX  XXXX credit card ( Issue by Comenity Capital Bank ) for a charge of {$1100.00}. I applied for this card through the ticket purchasing transaction process at XXXX. 
XXXX / Comenity Capital Bank issued a temporary account card. The same card with the last 4 digits showing on the XXXX ticket purchase receipt ( TEMPORARY ACCOUNT ISSUED BY XXXX / COMENITY BANK XXXX  ). 
Later on, XXXX issued a permanent card. 
Travel Dates : XX/XX/XXXX ( XXXX  to XXXX  ) - XX/XX/XXXX ( EWR to HYD ) XXXX # XXXX  / XXXX Booking ID XXXX / Itinerary # XXXX XXXX canceled the flight due to the covid-19 pandemic. 
XXXX confirmed that XXXX XXXX issued a refund of {$540.00} on XX/XX/XXXX. 
This refund is not showing up on my XXXX / Comenity Credit card account ( Permanent Card ). 
However, the initial charge and the payment I made are showing up on this permanent card. 
I contacted XXXX, Comenity Bank / XXXX XXXX XXXX, and XXXX teams to find the refund, just asking me to make circles between these 3 companies ' customer service departments from the past three months. 
Message from XXXX : " We have received a response from XXXX and we were advised that If the credit card expired, the passenger needs to follow with the bank directly. '' Another Message from XXXX : " According to our notes, our customer booked the reservation using their XXXX  card ending XXXX that has an expiration date until XX/XX/XXXX. According to the airline, they have processed the partial refund of XXXX USD back to the original form of payment last XXXX XX/XX/XXXX. 
The cause of the missing refund is because the original form of payment is already expired. '' I strongly believe that Comenity Capital bank doesn't have the correct account synchronization/integration between the temporary card and the permanent card. 
I brought this concern to the bank customer service team multiple times and no one digging into the roots to find a solution for this problem. Simply replying with messages redirecting me to talk to XXXX etc. I dont find a path to reach XXXX XXXX / Comentiy Capital Banks Senior Management. 
Absolutely no help from the regular customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020 i sent a letter regarding inaccurate and unverifiable accounts reporting on my credit report its been over 30 days i have not received and documents/original application that prove the this account is valid i feel like im being harassed with numerous phone calls about an account i have no knowledge of i have also been ignore my request to verify. section 611 ( a ) it is stated failure to investigate/verify these items within 30 days items have to be removed from my report immediately it has been well over 30 days so this inaccurate information should be deleted promptly. i demand this account be deleted immediately or i will file for litigation due to the stress been cause on me

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 2020-12-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 i sent a letter regarding inaccurate and unverifiable accounts reporting on my credit report its been over 30 days i have not received and documents/original application that prove the this account is valid i feel like im being harassed with numerous phone calls about an account i have no knowledge of i have also been ignore my request to verify. section 611 ( a ) it is stated failure to investigate/verify these items within 30 days items have to be removed from my report immediately it has been well over 30 days so this inaccurate information should be deleted promptly. i demand this account be deleted immediately or i will file for litigation due to the stress been cause on me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: FL

Complaint narrative:
There is a company that is purposely breaching the Fair Credit Report Act by reporting an account to my credit that does not belong to me. 

XXXX  XXXX is a collection agency that is claiming that I owe them money. I have never had a relationship with them. 

The Fair Credit Report act states that if they can not provide the original contract for the account that is allegedly mine as well as provide my wet signature than the account must be removed. I sent a 609 letter back in XXXX, yet the account remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I logged into TransUnion a few months ago to get my report based on information they were reporting and to dispute some information. NOW they have been charging me for four months {$24.00}. I would NEVER agree to pay XXXX XXXX dollars a year to view a credit report that should be free. This is a complete conflict of interest these reporting agencies make you pay. This was very tricky of them to make these charges for 4 months FRAUD!! I am disputing with my CC too However it was not clear by viewing my credit report i would be charged monthly fee every month.

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 2020-12-30 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: CL Holdings LLC
State: FL

Complaint narrative:
Please see below that XXXX XXXX is stating that I opened an account on XX/XX/2019. I have never had an account with this company and I have had my information stolen and compromised in the past on the XXXX XXXX and had my wallet also stolen in the past with credit cards and my id. I do not owe this {$620.00}, it is not my bill. This account is not mine, and my name has been misspelled many times on my credit report. I know how to spell my own name and I have never, ever used a different spelling of my name when obtaining any service or credit. Neither of these company 's will respond to my messages to remove this off of my account. I have disputed this many times to get nothing done. This company can not hold me to this bill when this is not mine. This needs to be removed from my Credit Report. I am also contacting the XXXX  and the State of Florida Attorney Generals Office. This bill will not be paid, this is not mine and please remove it from all 3 Credit Reporting Agencies. 
Thank you. 

ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX DISPUTE REASON : Ownership This is not my account ; it belongs to a relative or person with similar name/address. 
CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX RESULT : Disputed information was verified as accurate XXXX  investigated your dispute but did not change your information. 
See your current report

Company response to consumer: Closed with explanation