vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 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: VA

Complaint narrative:
I've attached supporting documents. this will be my third complaint against Comenity Bank which handles my XXXX XXXX account. This bank purchased my account from another lender without notifying me and has continued to force late fees and late interest throughout the entire term. When I found out about the purchase I immediately closed the account and notified them in writing that I don not agree to any new terms. I recently paid the remaining balance in full on the due date and the bank still charged me a late fee and interest which is not in my cardholder agreement. The late payment warning under the account summary does not specify a cut-off time for payments, it merely states that the payment must be made on the XXXX of every month. Later in the statement there is a cut-off time mentioned, however their policies and procedures are not consistent. I've attached a copy of the statement with the late payment warning visible and not displaying a cut-off time. I've also attached my emailed receipt dated XX/XX/XXXX, reflecting that I made the payment on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-22 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: NC

Complaint narrative:
I have been trying to dispute fraudulent information that i noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very difficult! I know that i have been receiving emails and calls about debt that is not mine and my information has also been exposed in several major data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XX/XX/2020 I entered into an agreement to buy a vehicle for {$18000.00} at XXXX XXXX XXXX  XXXX. I was shown the price in writing although I was denied a copy of the agreement. After waiting hours, I was taken to the finance office. I was talked through options on terms. I agreed to a 60 month loan. The loan officer then digitally initialed all the paperwork, I did not, and printed off paperwork. The paperwork was then placed in an envelope and sealed before being given to me. When I checked the paperwork ; the price had been changed to {$21000.00}, a {$2600.00} maintenance plan was added, and the terms were increased to 72 months. 
This occurred at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Friday XX/XX/XXXX i received an email stating my account with Experian via creditchecktotal.com (  Membership ID # XXXX ) had been canceled. Because I know for a fact I did not cancel my account, I called the number in the email. It was an automated system. No live person. I tried several times and used all the options in the menu but to no avail. I went online and tried to sign in with my username XXXX and it gave me an error message stating to call a toll free number. It was a different number from the email but led me to the same automated system with no live operator. My account has been compromised and I can not get any help. I finally called XXXX and it got me to someone. I was transferred three times before I reached someone who told me my account was locked out due to too many unsuccessful attempts. I explained to the foreign agent that my account has been compromised because I received an email saying my account has been deactivated and no one can tell me how this happened. I recorded the call and Im sending it to XXXX and XXXX XXXX. After being on the phone thirty minutes, Im told I can not access my account for 72 hours. After 72 hours, the account still does not work and keeps causing an error. I even tried to create a new account, and the same error occurred after it took my {$1.00}.

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
Consumer complaint received 2020-02-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
2017 I opened. Amex Green Card, Gold Card, and Everyday Card. After I paid the accounts off on time they were removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
2017 I opened. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. After I paid the accounts off on time they were removed 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 explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Friday XX/XX/XXXX my wife and myself both received an email stating my account with Experian via XXXX had been canceled. Because I know for a fact I did not cancel my account, I called the number in the email. It was an automated system. No live person. I tried several times and used all the options in the menu but to no avail. I went online and tried to sign in with my username XXXX and it gave me an error message stating to call a toll free number. It was a different number from the email but led me to the same automated system with no live operator. My account has been compromised and I can not get any help. I finally called XXXX and it got me to someone. I was told my account was locked out due to too many unsuccessful attempts. I explained that my account has been compromised because I received an email saying my account has been canceled and no one can tell me how this happened. We record all calls to collections or pertaining to debt. If i dont get a resolution on Monday, we are sending the calls and screenshot to the news. Just like my wife, I even tried to create a new account, and the same error occurred after it took my {$1.00}.

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
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Under FCRA 611 ( 1 ) ( A ) these companies have failed to respond to my debt validation dispute within 30 days. In addition, Consumer Portfolio Services continue to post on all 3 of my credit reports inaccurate information. Consumer Portfolio Services no longer own this debt however, continue to negatively post derogatory unsubstantiated debt without adhering to the North Carolina Law, Section 1-52.1 of the North Carolina Rules of Civil Procedure that explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Friday XX/XX/XXXX I attempted to create an account to view my report for accuracy. However once i input my debit card info to pay, the site immediately caused an error. It displayed a number to call as well as email address for help but No live person. I tried several times and used all the options in the menu but to no avail. I even sent them an email to the help desk but no resolution. I went online and tried to sign in with my username XXXX. It prompted me to pay {$1.00} again. So, i entered a new debit card number and it gave me an error message stating to call a toll free number. I finally found another number to call at XXXX and it got me to someone. i was transferred three times only to be told my account was locked out for 24 hours due to too many unsuccessful attempts. I explained that i haven't even used the account and cant get past this error. I record all calls, so if i dont get a resolution I'm sending the calls and screenshot to the news.

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 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action

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 2020-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
Call violation. On my installment loan it was documented 2 years ago to not call my place of employment. Until recently that has been upheld. I know when someone tells you do not call, it's illegal to do so. Ive had an issue with the manager of the financial office calling me recently at my place of employment. Yes i know my payment was due, however if a number is marked do not call you cant call it. I contacted the main office 3 times letting them know there was call violations. When i spoke to the office i reiterated it and ths asst manager said yes, i see it on your account and ill let the manager know. She has again called me at work.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
They call 15 times minimum everyday, starting before XXXX and still calling after XXXX. They call from different numbers. I have answered numerous times and asked them to please stop calling me and they still do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had previously advised Chase not to send me confusing and poorly designed marketing materials, but Chase continues to do that regardless of the fact that it ridicules itself. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action

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 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
One of my client transferred {$300.00} to my Bank of America account via XXXX XXXX  for my professional service on XXXX XXXX, 2020. She has a personal checking account with BOA, and I also have a personal checking account with BOA. Since XXXX payment can not be cancelled or charged back, I thought the {$300.00} was safe in my account, and thus I provided service to that client on the same day. Two weeks later, on XX/XX/2020, the client called Bank of America and falsely claimed that the payment was a fraud and she never authorized this payment. Without talking to me or doing any investigation, Bank of America simply took away {$300.00} from my account and gave back to that person. 

I called BOA three times on XXXX XXXX and asked them why they took away my money without my consent and gave back to that person without investigation, the bank said that it's their policy to return the money to someone if that person claimed that the payment was a fraud ( regardless if that person is making false statement or not ) and the bank said it was not their responsibility to investigate or verify if the claim is real or false. Bank of America told me that the only thing I could do was to bring that person to court to get my money back. In other words, Bank of America does not protect my money at all. My money is not safe at this bank as they can easily take away my money and give to someone as long as that person claims that the payment is not authorized. I feel Bank of Americas policy is encouraging people to make false claim and commit chargeback fraud. BOA is encouraging crimes to occur! A bank should never take away money from a customers account and give to others without any investigation!

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 2020-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: WI

Complaint narrative:
Westlake Portfolio Management has repossessed a vehicle that was awarded to my ex wife during our divorce. Case number is in the city of XXXX, Wisconsin XXXX. The judge awarded the vehicle to her and they refuse to accept the divorce decree and take my name off the loan. They are still saying I am primary because I signed the contract when we were married. Just want my name off the contract as directed by a judge of a legal court system of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TN

Complaint narrative:
I continue to resubmit information regarding fraudulent accounts that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: OR

Complaint narrative:
I have a personal loan with lending club. It is a once a month payment due on the XXXX of each month. On XX/XX/20, I saw a charge on my online banking that was posted from lending club.com for {$11.00}. This amount did not match my payment plan and was not scheduled. I call lending club to see what it was and they said they had no record of the charge and could not see it on their side. I called my credit union and they could see that the money was pulled out of my bank at lending clubs request on XX/XX/20. I called lending club again today ( XX/XX/20 ) and the person now tells me they are aware of the situation and they switched computer programs and emails are being sent out to employees that there is a widespread problem occurring with unauthorized payments being pulled from peoples bank accounts. She was glad mine was only {$11.00} dollars and not a XXXX dollars and implied that other people were having that much unauthorized deducted. She said their computer program is automatically reversing the unauthorized charges. By the end of the day today, I still dont see a reverse on the charge yet ( and neither does my bank when I called them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I continue to resubmit information regarding fraudulent accounts that don't belong to 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 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hello, The following account is not mine. Please update or remove from my account. Thank you. 
U.S. BANKRUPTCY COURT Reference Number XXXX The following account was never in Bankruptcy. Please update or remove from my account. Thank you. 
XXXX XXXX Account # XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
XXXX XXXX XX/XX/2019 XXXX XX/XX/2019

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 2020-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: WI

Complaint narrative:
I took this out and redid 4 years ago I had my XXXX XXXX so had to stop so I lost my job there still adding interest and really affecting my credit even after many years later I dont know how that is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any  new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " Acima FKA  XXXX ''. I followed up with the XXXX XXXX XXXX  I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, Acima Credit customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: AR

Complaint narrative:
Hello, The following account is not mine. Please update or remove from my account. Thank you. 
Bankruptcy : Discharged CH-XXXX  Reference Number XXXX The following Inquiries was not made or authorized by me. Please remove from my credit account. Thank you. 

XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation