vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Company was gracious and understanding, in the beginning. Called to inquire about payment deferment due to COVID-19. They claimed they extended my time by a month, which was really two weeks, from the previous payment date. When I called in to see if they would extend deferment because the Governor of Ohio extended the mandatory closure of the state by 30 days, they were not willing to help at all. They implemented no policy for COVID-19 and used their standard deferment policy, which is after one deferment is given, 6 months is required before you can have another one, all while still reporting to the credit bureau. Yet they have a propaganda campaign of " We're Here To Help '' posted all over their website. The business practices of this company are beyond questionable, the ethics are non-existent. I would not recommend this company to anybody due to their lack of empathy with the ongoing pandemic, and lack of effort to do anything to help the consumer. I will be refinancing my loan through another lender and cancelling any contracts with anybody affiliated with this company, ( i.e. 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 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Direct Capital
State: TN

Complaint narrative:
XX/XX/20 Identified himself as XXXX XXXX Fraud & litigation division a XXXX XXXX XXXX. Processing a claim against ( quotes a last four of social security number and FULL DOB. ) Suggests person or their attorney calls him back immediately. XXXX XXXX XXXX extension XXXX. Called from a XXXX TN number XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: NV

Complaint narrative:
These are not my accounts, addresses nor did I authorize these companies to run my credit. Please remove them.

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 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts, addresses nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts, addresses nor did I authorize these companies to run my credit. Please remove them.

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 2020-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans union is the company I am writing about. My W2 form went missing in the mail so I froze my credit. The other 2 companies I contacted froze my credit immediately.. But trans union is non responsive to anyone. A company whos sole job is to protect peoples credit and identity who is impossible to get in touch with is unacceptable. 

Thankfully I resolved my issue ... but if you go on their twitter page, you will see lots of frustrated people who get ignored. 

Peoples identity and livelihood are at stake. This company, Transunion, are not taking their role and jobs seriously. This company should be held accountable. Please get back to me if you have any more questions. 

Try to freeze your credit online or over the phone and you should see what I am talking about.

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 2020-05-16 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
For several yearsI since XXXX or even earlier i held a XXXX Credit Card. Nevertheless, this account seems to also be owned by XXXX  XXXX XXXX. I made payments to both it seems. 
It looks like XXXX XXXX XXXX sold my debt to a Texas Debt Collector who now claims to be representing XXXX XXXX XXXX in the collection of this debt ... which of course it is not a XXXX XXXX XXXX Debt, but a XXXX XXXX XXXX. 
About 50 % of the balance in that credit account was based on fees. Back on XX/XX/XXXX the last balance showing in the XXXX XXXX monthly statement was {$2500.00} The present balance according to SCOTT & ASSOCIATES IS of {$2700.00} higher than it was 3 years ago when I cancelled the card and stopped paying on it with a letter of complaint and request for reduction of the balance. IN XXXX XXXX XXXX XXXX had the records but by XXXX it looks that XXXX was in charge. Very confusing to say the least! 
Somehow XXXX XXXX XXXX sold this debt ... that was not theirs .... 
to SCOTT & ASSOCIATES. a debt collector based in XXXX, TX I never had a problem withI XXXX XXXX XXXX until XXXX XXXX XXXX began managing the card. 
Now I am facing Scott & Associates in court. They filed against me IN THE NAME OF XXXX XXXX XXXX .... but they actually bought the debt from XXXX XXXX XXXX and are not stating that. 
I think this a gimmick and I am being played. 
I investigated as far as I could but it is all very confusing. Who do I owe this money to? Why is XXXX XXXX XXXX involved and how can they sell a debt that is not theirs? 
They filed the suit.!! at least their name is on the court filed papers. 
Scott & Associates connection to XXXX XXXX XXXX is, to say the least, very dubious. I not illegal. 
There is no mention of XXXX XXXX either, even though they were the account holders and initiators.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: NY

Complaint narrative:
My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my XXXX XXXX credit card. I attempted to reach XXXX by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on 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 2020-05-16 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: NY

Complaint narrative:
My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my XXXX XXXX credit card. I attempted to reach XXXX by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I lost my job for the pandemic, I couldn't made my payments anymore of my loan OPORTUN name of the company, so I called them to let them know about my situation, they said they are going to help me with out any penalties or extra charges today Saturday XX/XX/2020 I called them again to extend my day of payment, surprise my amount of my loan increase {$230.00} more, I just feel ripped off, that is their help when I'm been punctual in all my payments and this is a bad time no just for me for many people.. I try to talk to them about it and got some explanation about the charge and they said is interes ... so what I can do, they really give more time yes but charges a lot for that.. please help me.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: NV

Complaint narrative:
These are not my accounts and have disputed multiple of times. Please remove them.

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 2020-05-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im writing a summary of fraudulent charges made on my credit card. Im outlining events that took place from XX/XX/2020 to XX/XX/2020. 


Two fraudulent credit card charges were made on my JP Morgan Chase Freedom Unlimited Card. These two charges were made on XX/XX/2020 but did not show up as charges until XX/XX/2020. Each of the charges were for {$2600.00} each, totaling to {$5200.00} plus a transaction fee of {$100.00} for each charge. This a grand total of {$5400.00} that was fraudulently charged to my credit card account. I called the chase fraud number on XX/XX/2020 and they had my account suspended, a new card issued, and assurance that these charges and the transaction fees will be reversed. I called the number on the back of my card two more times to assure that this was the case. 


I issued fraud alert through XXXX. I filed an FTC identity theft report ( ID : XXXX ) at IdentityTheft.gov. I filed a police report ( Tracking number : XXXX ) through the XXXX Police Department. All these fraud reports were made on XX/XX/2020. I requested my credit report and checked to see if all my information was listed correctly and that no other forms of fraud or theft were associated with me. 


I noticed the two charges and their transaction fees were reversed a couple of business days later and I was issued my new credit card and account number around a week later. Ive heard nothing about this case for over a month after it being resolved. 


On XX/XX/XXXX, the Chase Fraud department sent a pdf to the Statements and Documents section of my account. This pdf is basically summarized to say that the fraud department completed the review of the unauthorized transactions on my account and found that I have received benefit from both transactions. The Chase Fraud department is telling me that I benefitted from these transactions when I did not benefit from these charges at all. 


Today on XX/XX/XXXX, I read the notice that Chase still holds me responsible for the charges made on my account. So my newly-made account was recharged the two {$2600.00} fraudulent charges after already being reversed for over a month. 


I want to take further measures in protecting myself by reporting this to the CFPB. 
I took and will continue to take very proactive measures and report the charges as fraud to Chase and other third party agencies as I receive more information about this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX the XXXX I lost my card on a lunch run while on my break, after my lunch i realized i didnt have my card on me and didnt think too much about it cause i often loose my cards and find them however the next day i went on my account to close the debit card and there was a check with an amount of {$1700.00} deposited and withdrawn, I am no longer able to view my online bank statement and my account is now reflecting - {$1800.00}, I contacted my bank and they have started a claim however my only worry is that I end up in debt. I did not make those transactions nor am I associated with it. I am extremely worried as I have never been in a situation like this and I dont want a negative outcome from 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 2020-05-16 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: NY

Complaint narrative:
hello, I've made several complaints and sent in several proofs to Transunion reporting the Account " XXXX " reporting inaccurately. I contacted Transunion by writing for several months about them reporting inaccurate information. they have failed to investigate instead they send verification letters back or " we will not re investigate with out proper proof. on XX/XX/2020 I sent in proper proof of these violations and instead of complying with consumer rights they sent yet another letter stating they won't investigate or fix this issue. please help me this is crippling me and my future in these hard times we are facing on XX/XX/2020 I sent in more proof that they ask for on XX/XX/2020 they sent they won't re investigate

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 2020-05-16 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: CA

Complaint narrative:
These are not my accounts. I have disputed these multiple times. Please remove them.

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 2020-05-16 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: CA

Complaint narrative:
These are not my accounts. I have disputed these multiple times. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company is reporting inaccurate information on 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 2020-05-16 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: NJ

Complaint narrative:
OnXX/XX/XXXX at XXXX I applied for a loyalty rewards program at XXXX XXXX XXXX. I have been a loyal patron since the XXXX The cashier took down my information and I was not given an opportunity to review my address information. Since then I have never received my credit card and did not receive my account number to register online. This has prevented me from paying the outstanding balance and, in fact, have been charged late fees without a mechanism to pay. I have never been able to reach customer service despite repeated calls and sent an email onXX/XX/XXXXin order to document my efforts at attempting to contact Comenity bank. I am concerned about their predatory practice to withhold account information while also forcing accounts to accrue late fees. Simultaneously, as a consumer, I have minimal opportunities to contact them to reconcile outstanding balances. To complicate matters further, there is no clear process to close the account and worry about the impact on my future credit endeavors. I am able to afford the late fees, but on principle, I am concerned that this practice of withholding account information and hindering a clear method to pay ( so that fees are accrued ) engender a cycle of debt for consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Approximately 14 days ago I opened an email from Experian offering 7 days of free service on my credit. I don't need the service, I already pay for the service with XXXX XXXX. I didn't sign up for the service or agree to any terms. On XX/XX/2020 Experian charged my XXXX XXXX bank account {$23.00}. I called Experian and aftegoing through various menu 's and wait times, I got a customer service representative, who said that I was charged the money because I didn't cancel the account. I explained that I had no account information, no agreement that was presented to me or my signature on an established account. The Rep. stated that I had set up the account and if I read the " small '' print it clearly stated that I must pay without a refund service if I didn't cancel. Experian does not have in their possession a signed agreement from me, nor did they provide with an agreement or any any account numbers or explanation of services. They simply used the opening of an e-mail to assume an account and they accessed my bank account- without my permission.

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 2020-05-16 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: NV

Complaint narrative:
These are not my accounts.

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 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I just had a collection account show up last month on my credit report that i believe is part of my identity theft case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 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: TN

Complaint narrative:
XXXX FORMERLY XXXX Date opened/XX/XX/2020 Amount owed $ {$16000.00}

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 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I woke up this morning on XX/XX/2020 to a notification from XXXX, a company I use to monitor my credit score, that my score had changed and that a new debt had been added to my credit report. I have no knowledge of what this debt is. The number on my report doesn't match any money that I owe any company right now. I also have not received a letter or phone call by any company requesting this amount of money, nor have I received any letters or phone calls from this company ( Commonwealth Financial Systems ). I tried to call them numerous times today, and despite them being open, I was met with the same response every time saying that no one was available to take my phone call, and I was automatically hung up on each time. I had no opportunity to leave a voice mail or any other way of leaving them a message to reach back out to me to clear this up. It's completely unacceptable that I haven't received any written notice of this debt nor do I have any details as to what it could possibly be, which leads me to think that this is a fraudulent attempt to collect money I do not owe. I am especially concerned because when I googled the company, the XXXX reviews and XXXX XXXX XXXX  reviews all report of the same thing happening to them finding a debt that they don't recognize on their account or that they know to not be theirs from this same company. I just want to clear this from my credit report or at the very least have clear details as to what this debt is from and why I was not reached out to about this. Thank you.

Company response to consumer: Closed with explanation