vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 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: KS

Complaint narrative:
In XX/XX/XXXX, we purchased two vehicles from a XXXX dealership in XXXX, KS. The dealership qualified us for two XXXX credit cards for XXXX and I, with credit limits of {$2000.00} and {$1500.00} respectively. The dealership maxed out both cards as down payments. The dealership did not disclose the specificity of the credit cards, thus we understood the cards to function as revolving credit cards. The dealership and Comenity failed to provide full disclosure of these being promotional credit cards, with specific dates for full payment of balance, not monthly payments, as we understood. Payments were made on the due dates per the contract. Each payment made reflected an increase in credit available. 

For example, using my card transactions, due on the XX/XX/XXXX of every month. From XX/XX/XXXX to XX/XX/XXXX, available credit had accrued to {$310.00}. However, the XX/XX/XXXX balance was reduced to {$160.00} on XX/XX/XXXX there was a PROMO FINANCE CHARGE ADJ of {$210.00}. 

The XX/XX/XXXX statement reflects another avail credit accrual. However, payments made on the XX/XX/XXXX were not posted to the account until a day of two after the due date, causing late fees of {$38.00} to be charged to the account. On both credit cards, payments made on time on the due dates were processed at later dates and accounts were charged with finance charges, late fees plus interest charges. 

The XX/XX/XXXX, the credit limit was {$1500.00}. Avail credit was {$220.00}. 

In XX/XX/XXXX, credit limit was reduced to {$1200.00}, and available credit was {$10.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$210.00} difference in avail credit. 

As of statement closing date XX/XX/XXXX, avail credit balance was {$72.00}. However, as of statement closing date of XX/XX/XXXX, the avail credit balance had dropped to {$5.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$66.00} difference in avail credit. 

As of statement closing date XX/XX/XXXX, avail credit balance was {$97.00}. However, the following month, at statement closing date XX/XX/XXXX, the credit limit was further reduced to {$1200.00}, and avail credit was {$0.00}. 

Several issues in question include but are not limited to : 1. Payments made on due dates were processed at later dates and accounts charged finance charges, late fees plus interest charges.

2. Comenity failed to provide full disclosure in its credit approval process, regarding promotional credit cards.

3. Comenity failed to provide full disclosure on hidden fees and reductions of credit limits and available credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover card opened an account for me on or about XX/XX/2019, the company decided to ask me to disclose financial tax information with them from the Internal Revenue Service through a provider they use which is XXXX, the same company who has had a data breach. I am not providing this information for an account that they approved with a measly {$500.00} credit limit. They can keep the account and close it, it is expected that if they decide to report this account to any credit reporting agency, that I expect it to report as " account closed by consumer ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX OH XXXX To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also HUNTER WARFIELD failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 HUNTER WARFIELD failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If HUNTER WARFIELD even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: AZ

Complaint narrative:
The following account and credit inquiries listed on my Experian credit report is unauthorized, fraudulent and not my account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX 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 2019-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I disputed unauthorized transactions on my credit card and Capital One refused to send me the credit balance refund on account, requesting verification of payment I made last year, which I sent them the documents. To add insult to injury Capital One decided to take back the credits for the unauthorized charges I disputed and make it look it like I owe $ 300+ now. This is absolutely ridiculous and unethical. I would like my money back or I am taking legal action. They held up my money for months and now they take back the credit for the unauthorized fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: FL

Complaint narrative:
Hi, I have graduated from this school back in XXXX of 2011 under the assumption that I would be guaranteed to get a job in my field of study. Not only did they not help me get a job on my field of study, but I am now up to my ears in student loan debt. I am stuck paying for a loan for a degree that has been rendered useless due to the school closing its doors. This loan has cause so much hardship Im not sure what to do at this point. Ive tried countless times to get a job in my field but as soon as I even mention XXXX XXXX name I seem to be XXXX balled. I am looking to wash this debt completely from my credit because I can not move forward with my life with this anchor of a debt holding me down. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: GA

Complaint narrative:
EXPERIAN, XX/XX/XXXX, and XX/XX/XXXXare in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XX/XX/XXXX - {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that the listed accounts and inquiries be permanently removed from my EXPERIAN XXXX XXXX XXXX and XX/XX/XXXX credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights

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 2019-11-08 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: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX SXXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I reported unauthorized charges on our credit card account XXXX and Bank of America did not even investigate our claim and didn't send any correspondences, they just sent one letter stating they denied our fraud claim. I read from numerous places and have been told that Bank of America has a practice of not investigating claims and quickly denies claims. This is an unethical practice and we should not be treated like this

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 2019-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and TRANSUNION are in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XXXX XXXX Balance - {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the listed accounts and inquiries be permanently removed from my XXXX  XXXX XXXX XXXX and TRANSUNION credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights

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 2019-11-08 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: GA

Complaint narrative:
XXXX, EQUIFAX, and XXXX  are in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XXXX XXXX XXXX XXXX  {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the listed accounts and inquiries be permanently removed from my XXXX XXXX EQIUIFAX XXXX and XXXX credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 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: GA

Complaint narrative:
I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.. I am writing this due to non-compliance with the ( Equifax, ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TX

Complaint narrative:
I have attempted multiple times to dispute with Equifax, law violations and incorrect information on my credit report presented by a collection company named XXXX XXXX XXXX XXXX. the last dispute dated XX/XX/XXXX. that the company failed to send notice of collection to a consumer, the company refuses to communicated with the consumer unless taking payment information. Equifax was also informed that the account was involved in a lawsuit and the collection agency collecting does not have a contractual obligation, the correct date of first delinquency information and or right to collect this account. On XX/XX/XXXX Equifax was then given the information by Fax that the information on my credit report was not accurate and should be removed, Equifax proceed to use that information given and corrected the inaccurate account without verification via E-Oscar the correct validation process according to The Fair Debt Collection Practice Act. The company XXXX still has not validated any information or mailed anything in writing verifying the account. Equifax has continued reported that they have verified the information is accurate, even after I have fax over proof that the information is not, on the account the date of delinquency is dated before the date of service, if the collection agency has the right information they would have known that, which is why I don't understand why Equifax refuses to remove the inaccurate collection account and violation of my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
RE : Dog-related case. 
Claim number : CareCredit ending in XXXX Dear CFPB : I am writing on behalf of the patient, XXXX. I am the Owner of XXXX. 

Patient : XXXX XXXX number : CareCredit ending in XXXX Provider : XXXX, XXXX, CareCredit Date of Service : XX/XX/2019 through XX/XX/2019. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019, I received notice that this claim was denied. 

I am writing you with respect to the following claim. 

The explanation that accompanied the denial is inadequate and I need additional information. Please provide an appropriate explanation. 

In support of this claim, nobody reads the documentation. 

The professional 's lack of carelessness directly caused the death or damage  " XXXX endured/ suffered. XXXX  pet ER ( Synchrony bank required agreements starting with Vets ) also didn't incorporate to whatever provision obligating clinic ( the subcontractor ) to comply with the rules. The professional error made me lose my dog, but also that XXXX would be alive if no mistake had been made. Synchrony Bank failed to practice the selection procedures uniform, to all applicants, which resulted previously in a contrast in the rates of acknowledgement of XXXX and XXXX were approved. XXXX decided doctor 's facility at present needed to comply in light it might have been a regulatory subcontractor. The mischief XXXX suffered on behalf of the professionals resulted in a real economic loss to me. Professionals have neglected to use at least ordinary professional skills to carry out the task. The persons claimed to be specialists, in which case the standard is higher. The physician or other experts owed me a duty of care. You are required to notify Law Enforcement of Crimes against Persons ( Mandatory Reporters ). Dispute is being reported against physicians and various specialists. Accurate or deceptive reports by financial firms and other violations of accounts. Infringing the responsibility to treat the patient or client equally. Take the customer 's money. Misrepresentation or omission of essential XXXX data. Move the account. 

The adversary in this action is three entities affiliated with Synchrony Bank : XXXX, XXXX, CareCredit. No standardize screening practices for dog XXXX. Notes were not substantial. More concerned with personal objectives. Knowledge level of agents : 4 ( ranging from 1=Very Poor to Ten=Very Good ). Number of phone transfers : 5-8. Didnt improve customer satisfaction.

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 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Deal Depot, Inc.
State: SC

Complaint narrative:
The account balance with the company deal depot is significantly higher than what is reported on my credit. I have spoken twice to account representative in reference to this without much success. I feel due to this ongoing issue the lesser amount reported on the credit should be honored

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CORELOGIC INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2019-11-08 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: Innovis
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation