vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 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: AZ

Complaint narrative:
XX/XX/2019 XXXX XXXX REFUSES to accurately report to Transunion regarding regarding my car loan installment account # XXXXthat was paid off on XX/XX/2019. 
I want legally reported FCRA on Transunion " PAID/pays as agreed.

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 2019-11-16 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/2019, I returned from overseas, to find my Comenity Capital Bank Mastercard was missing. I immediately checked my account online to find that charges totaling {$640.00} had been made, primarily to an XXXX online store for {$380.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. I advised Comenity that I was reporting fraud, the card was cancelled and a new one issued. My notification to them was on XX/XX/XXXX and yet my statement reflects an XXXX charge on XX/XX/XXXX. When I called Comenity on XX/XX/XXXX, I was told that I did not need to call XXXX as they would do it as part of the investigation. I received a letter from them on XX/XX/XXXX stating that my fraud claim is denied as they can find no basis to support my claim. That was the extent of their explanation, except to add that the more than {$600.00} in charges would be put back on my account. I called XXXX after receiving the letter. There were 3 credit card numbers issued to me before and after this fraud occurred. XXXX looked under all three credit card numbers, under my email address, and could find no order number, no tracking number and my email was not in their system. I had looked through all my emails-no record there. XXXX told me that the credit card company should be able to track the charges made, but I received no explanation that they had done so. I appears that there was no investigation. XXXX had no record of speaking to Comenity. Comenity never called me to follow up, other than the form letter they sent. I called the  number they gave me if I have any questions regarding the investigation, and after waiting on hold for 15 minutes, I began to discuss this with the representative that answered, and the phone connection was cut. I have laid all of this out in a letter to the company, sent to the address they directed in their letter. I also advised them that I was contacting you as this seems to me to be suspect. What kind of company sends a form letter that tells the victim of fraud no details of what they base a decision like this on. Either I was defrauded or I am committing fraud. Without anything to justify their position that I owe this money, I have appealed their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I don't know who this company is, and i don't owe a debt to them for the amount of {$360.00} for the date of XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I send a letter to WFDS on XX/XX/XXXX asking them for the removal of a late payment on XX/XX/XXXX of which I stated to them to prove with bank and transaction records that indeed that late payment was actually made, That according to the FCRA they must prove it to report it. They reply with a letter with total mockery reversing the question I ask them instead of sending me prove or documents or the removal of such, at this point they are still reporting that negative mark on all 3 credit bureaus reports. All im asking are my rights under the FCRA

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 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
REGIONS BANK This is the worst bank I've ever had to deal with. I am retired collecting Social Security income. The representatives you deal with are totally unacceptable, unprofessional and the Banks policy ( according to what I gathered from what the banks representative tried to explain to me ) is NOT fair and downright robbery to any customer, also the Online Statements are not accurate and are deceiving, unfortunately to any and all customer of theirs. Regions Bank. In one of their internet statements it states We're Regions, and we're here to help. REALLY? 
I called my branch hoping they could explain to me why Overdraft Fees were charge to my account this morning, especially since the night before my Available Balance was not in the red. During the call, the representative, after some nonsensible explanation, told me that I would need to speak to the Manager, who wasnt there, she explained there were other customers waiting ( am I not a customer? ). I reminded her that I was also customer and she needed to attend to me accordingly. I wanted her to explain to me why on the evening before, while checking my online statement every line on the statement was positive and that showed a Posted Balance in the positive, then a Pending Balance ( 4 pending items ) and finally my Available Balance also in the positive. All was good and in the positive, at that point last night. 
This morning when I checked my online statement, Regions Bank charged overdraft fees amounting in total for {$100.00} ( apparently, 3 overdraft fees of {$36.00} each ) that was immediately posted after a positive balance and resulted placing any pending charges in the red. Above this over draft fee of {$100.00} were 2 remaining pending items that were from the original 4 pending charges on my account and as stated above were now in the red. 
This made absolutely no sense to me at all. Keep in mind, I was never in the red the evening before which included 4 pending items, mentioned above, that I already knew about and correct. 
The representative could not explain why overdraft fees were charged, that made any sense to me even after explaining everything I stated above and she began speaking over me while I was talking. She insisted that I speak to the manager on Monday. 
This just doesn't make any sense 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 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX in reviewing our American Express Card we noticed an extremely high interest rate. I immediately called American Express to understand why and was told that we were being charged a penalty interest rate for late payment in XX/XX/XXXX because payment was made after the XXXX cut-off date of XX/XX/XXXX on the XXXX of XXXX. 

In reviewing our bank records there were two payments made in XXXX, the 1st on the XXXX of XXXX and the 2nd ( for the next billing cycle from our perspective ) at the end of the month after the bill payment date of the current month. The payment on XX/XX/XXXX was above the minimum required for the XXXX billing cycle. 

When speaking to the representative, and then the supervisor, I was told that their records could not be accessed that far back and so I could not get an explanation why the XX/XX/XXXX payment was not applied to the billing cycle due XX/XX/XXXX, but in fact applied to the XX/XX/XXXX due date, which was already paid. 

I did not look at the statement closely until this month because we had been paying many times multiple payments through the month and did not expect that we could possibly be considered late in doing so. The representative stated payments can not be applied to future cycles if the statement was not generated yet, but could not tell me when the XXXX statement was prepared, only that it was 'probably ' prepared on the XXXX or the XXXX ( the date our payment was made ). 

Furthermore, American Express did not notify us of the change in interest rate, provide an opportunity to ensure payment was applied as intended, or review the rates 6 months after. The Supervisor I spoke to said the best he could do was fix the rate going forward. 

This practice of applying payments to past bills and then charging a higher interest rate ( nearly 30 % ) is disturbing to me and we would like for it to be reviewed. For the last 12 months we have paid twice as much in interest charges as a result of this practice then we should have, despite making multiple payments each month. I believe this practice, if looked into, may result in significant number of consumers overpaying on interest even though they have been making payments in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
malice prosecutor, not at good faith. I had an old credit debts was open in XX/XX/XXXX and paid off closed on XX/XX/XXXX. now I debt collector hayt hayt landau p, l sue which I asked them with signature open that account they can not show cause they no prove. I went court I told the judge without prove of my signature open an account for $ XXXX.it is not mind. they said all fees including. I show prove from credit burau where I had an account with XXXX  XXXX XXXX and account where paid and closed. they said, they are the one who paid it. case was disposed. two years later they are tried to garnished my money. I went to court garnishment dissolved. now they tried again recently garnishment dissolve. I told them show me where did I open that account with my signature. and for last, they have tree different account

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 2019-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I have a collection account being reported from Central States Recovery for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means Central States Recovery is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a follow-up to my original complaint : XXXX Two months ago I submitted a complaint concerning AmEx, expecting to get prompt resolution. Despite my repeated inquiries since this time, I still have no resolution. The response from American Express to my complaint was in effect a non-response and totally unacceptable. They simply punted the issue, leaving me in the exact same position as before. I am still waiting for them to correct their error and unfreeze my account. Another month has passed and still no resolution. This should be very simple. It would take one employee a mere matter of minutes to look at my account, confirm there is nothing even remotely resembling abuse, and then unfreeze my account. I have been a loyal customer for years. To add insult to injury, I called a few days ago for a status report and the representative informed me -- contrary to the response letter from AmEx -- that the freeze was not due to any investigation but was instead a " known technical glitch '' that should be cleared up in days. It still has not been. How can this process possible take months? This delay is outrageous. 

Here is the content my original complaint, sent months ago : " I have been a longtime holder of American Express credit cards. Certain of these cards earn Membership Rewards points, which can be transferred to airline miles programs and used to redeem flights. On XX/XX/XXXX, I attempted to transfer XXXX membership rewards points to XXXX. I need these points to book a long-planned family vacation. When I attempted to transfer the points ( as I have done many times in the past ), I received a message that I was unable to do so because my account is under investigation and has been locked. I called to investigate, and nobody would give me any information despite my repeated attempts. The only information they could provide was 'my account was locked by corporate, ' 'they do not know why, ' 'it is impossible for me to speak with anyone in corporate, ' and 'I should expect to hear more in 6 to 8 weeks or longer when the investigation is complete. ' This is crazy. I need to use these points now or my family will be unable to go on our long-planned vacation. There is no basis whatsoever for withholding my points. I imagine AmEx will eventually figure that out, but forcing me to wait an indefinite period without access to my earned points in unacceptable. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: NY

Complaint narrative:
My credit score is reporting a charge off for XX/XX/XXXX on a account that was charged off XX/XX/XXXX so I have 2 charge offs on one account balance of slightly under $ 8000USD and it is ruining my chance to get a home as it appears every few years again as another charge off on a closed account. XXXX XXXX XXXX  and experian are the culprits of missmanaging information and reporting old history from a account that was closed in XXXX incorrectly so that it still keeps reapearing as a recent charge off when this entire transaction started in XXXX and ended XXXX!!

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 2019-11-16 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: KS

Complaint narrative:
I have a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights under the Fair Credit Reporting Act.

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 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been on PNC for months about never crediting my Cash Rewards Visa Signature Credit Card with the welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of you ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous!! First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. My girlfriend pointed it out to me and reminded me a numerous amount of times to spend a certain amount in order to get that bonus. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If we knew that PNC was going to try to screw me over and not give me my bonus as promised, one of us would definitely have screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. 

Please note if PNC tries to contact me their attempt will be disregarded. I have already spent a total of an hour on the phone with them several times over this matter. They need to just put the credit on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 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: KS

Complaint narrative:
I have a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights under the Fair Credit Reporting Act.

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 2019-11-16 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
phoenix financial services resubmitted a old account as new from XXXX which is about to fall off on all three of my credit reports with a date of XX/XX/XXXX this is old and should be taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
My credit score is reporting a charge off for XX/XX/XXXX on a account that was charged off XX/XX/XXXX so I have 2 charge offs on one account balance of slightly under $ 8000USD and it is ruining my chance to get a home as it appears every few years again as another charge off on a closed account. American Honda finance and XXXX are the culprits of missmanaging information and reporting old history from a account that was closed in XXXX incorrectly so that it still keeps reapearing as a recent charge off when this entire transaction started in XXXX and ended XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
I called about our vehicles cause we was couple months behind but I've been paying what I could. So I called to see if they could help me set it up where we can do a cheaper payment plan instead of one lump sum, we were a little over 700 dollars behind and I tried to explain to her what's been going on, they wouldn't even acknowledge the situation and told me I have to bring the current balance back to standards before they would help us on our situation, they were being rude and very disrespectful. 
Thank you.

Company response to consumer: Closed with explanation