vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 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: NJ

Complaint narrative:
American Express has been charging monthly promotional balance interest fees and regular intetest fees in excess of $ 600 monthly over the past three years. I make monthly payment ranging from $ XXXX {$2000.00} and these exorbitant fees makes it impossible to pay off the balance. AMEX has not provided clear information as to what specific charges these promotional interest fees are related to so I have no way of verifing these fees are valid as per the amounts charged. They also just recently, in XX/XX/2020, lowered my credit limit witjoit notification and without explanation. I have been paying consistently on time since I first opened my accoint with AMEX an have always paid far above the minimum. These business practices are deceptive, not in keeping with the cardholder agreement, and predatory, specifically at a time when Americans are struggling financially due to the pandemic. There business practices arw incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I sent off a letter on XX/XX/2020 to this company, also to the original creditor ( XXXX XXXX  XXXX XXXX ), who has since removed the negative markings from my report, notifying that the account does not belong to me, that I am a victim of identity theft. This company ( Trident Asset Management ) has ignored my request to have this fraudulent account removed from my report and continue to report this inaccurate information. If the original creditor removed it, why is the debt collector still trying to collect on an account that has been confirmed to be the result of identity theft? This is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Received letter stating that my accounts have been closed due to a fraud warning. I have had these accounts for 5 years and they were closed without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 3 account with XXXX XXXX XXXX that is not being reported to my XXXX  or XXXX date They also show as closed but it was paid in full on the transunion account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with 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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 3 account with XXXX XXXX XXXX that is not being reported to my equifax or XXXX date They also show as closed but it was paid in full on the XXXX account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I have 3 account with ameriican first finance that is not being reported to my XXXX or XXXX report. They also show as closed but it was paid in full on the XXXX account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with AMER FST FIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This issue is turning into a serious problem! This company is not responding back to me, and after several attempt sending them my proof of identity, and disputes going back starting in XXXX with no response what so ever, i'm getting ready to contact an attorney! They are required by law to respond back to me no matter what! Also are required to send me my annual credit report, and handle any disputes i have. I have inaccurate info that is hurting my score and are refusing to look into it. I have a previous complaint with this company Complaint # XXXX, and has asked me for my proof of identity to be mailed to them which i have done 5 times already with no response back what so ever!!! I am not going to keep sending my proof of identity to them if they are going to ignore my letters!!! 5 times i have sent out my proof of identity and not one response back, or credit report! I did everything on my end, but they are clearly not checking their mail, or ignoring my disputes! I will hire an attorney and file charges if they do not get the act together. I have no issues with the other 2 agencies, and can not blame the worldwide shut down on it as an excuse because this is going back to XXXX before the shutdown! I just sent 2 more letters in the mail with again my proof of identity this time by certified mail. I have included my proof of receipts as proof! I am loosing my patients with them and am not having any issues with XXXX XXXX, or XXXX! I am including my proof of identity, the letter they sent me asking me for my identity, my request for my annual credit report, documentations of disputes, in this complaint! This is the final time sending these in before i hire an attorney to file charges! This is not legal and is a violation of my rights under the fair credit reporting act!!! If they changed their address, then they need to let everyone know. They currently have multiple addresses and have sent it to the address on the letter they sent me, and to a different address that is on the web.I use the same address for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello, I am having trouble connecting my PNC Bank account to the XXXX investment app. The reason provided was that the CFPB is authorized by the PNC bank to prevent me from connecting to the investment app. My complaint is to request authorization that enables my connection. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The website XXXX is stating that I received my credit reports which is fraudulant due to the inoperable website. There is no way to contact the website owners to get my reports. The website simply times out with gateway errors and I can not see my reports.

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 2020-06-06 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: Colony Brands, Inc.
State: MA

Complaint narrative:
This is about the bankruptcy on my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT XXXX XXXX file on XX/XX/2015. I talked to Bankruptcy Court and  they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This is a classic case of predatory lending. I opened a Credit Card with Arhaus through Comenity Bank, to purchase furniture that apparently was on a 12-month promo plan that ended XX/XX/2020. I am enrolled in paperless billing, and I am on auto-pay so I did not receive any notifications from Comenity that my account was coming up due. When I logged in today XX/XX/2020, I realized that I had been charged {$9400.00} in finance charge ( over 40 % in interest! ) over a one month period -- - I called their customer care today, XX/XX/2020 at XXXX ET, to question and request a waiver so I could pay the balance remaining. Their account reps told that the Terms & Conditions specified that I could be charged the finance charge since the promo period ended on XX/XX/2020 and they only have a 3-day grace period. Comenity is hiding behind the Terms and Conditions fine print, and the reps said that they don't send any notification to inform about an upcoming due date. I have been on the phone with Comenity multiple times over the last year, but I was never made aware of the 12-month promotional period, by either Comenity or Arhaus when I signed up. I feel completely misled and cheated, especially when I am calling within ~30 days of the apparent promotional end date to pay any balance due. They are choosing to add this financial burden without owning any responsibility / accountability / humanity. I am a young mother with a newborn, and really can not afford such a huge fee charged by Comenity.

Please help me hold Comenity accountable for what feels like absolute consumer fraud and predatory lending practices. Thank you so much! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XXXX, and they have never been brought current. However, Navient re-aged them in XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XXXX. They are scheduled to be removed in XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XXXX Transunion has been charging me a monthly subscription fee for a subscription I never agreed to. I never signed up for the paid Transunion in the first place - only a free trial. I understand Transunion was fined recently because of a misleading free trial. I would like all the money back that Transunion took from 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 2020-06-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove personal statement ( s ) :XXXX & XXXX18 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX18.

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am an attorney acting on the behalf of a client whose credit cards were cancelled without being provided a reason or reasons in writing by Capital One. A letter was sent by me to Capital One at XXXX XXXX   XXXX XXXX, XXXX XXXX Virginia, XXXX on XXXX20 explaining their failure to provide such information. As of the date of this complaint, I have yet to receive a reply. You have my e-mail address : XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
I disputed a late payment with all 3 credit bureaus. XXXX  updated the late payment info to say positive no late payments. However, XXXX and Experian did not. I asked experian and XXXX   how they verified this information and with whom, but I have not been sucessfull in my attemps. High credit should also reflect XXXX last payment should say XX/XX/2020

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc.
State: GA

Complaint narrative:
In XXXX, I lost my wallet and someone used my card to buy something using a company called QuadPay. I received an email from QuadPay saying my payment was coming up. I responded to the email explaining Id lost my card and did not make this purchase, but never received a response. The numbers and emails under the QuadPay customer page are automated, do not work, and there is no number to call to speak with an actual human being. QuadPay is still sending me emails about a purchase I never made. No one from this company has reached back out to me or returned my calls nor emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Money was transferred from my account to an account in XXXX where was pick up by a person. This bank said there is nothing they could do because it was a money transfer using western union. They said it was my responsibility for the transfer. They never send me a message or something to confirm these transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am part of the Navient Lawsuit in Massachusetts. I recently was given notice in the mail about the lawsuit. I have some information that I never was able to discuss with anyone. I had called Navient in 2017 for enrollment into a IDR payment plan. They ignored my requests until I threatened that I would speak to a lawyer. They then approved my request, but then reenrolled me into a forbearance a few months later ( In-between they said my " deferment request was also approved '' ). The updates online were not consistent with the IDR that I was " approved '' for. They also called me over and over again for debt collection even though I was approved for the IDR plan. I have attached screenshots of emails that I have from Navient. I just wanted to file a formal complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Colony Brands, Inc.
State: MA

Complaint narrative:
This is about the bankruptcy on my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT MA XXXX file on XX/XX/2015. I talked to Bankruptcy Court and they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: GA

Complaint narrative:
I recently checked my free credit report with XXXX  and noticed that there was a collection of debt for listed on my credit report. According to the credit report, the date assigned for this debt was XX/XX/XXXX for an original amount owed of {$2600.00}. After fees for collection, the total amount owed was brought up to {$3900.00}. I have continuously tried to get in contact with the collections agency that was in charge of my debt. Unfortunately, there has been no communication from the collections agency with me. Every time that I try to call and communicate with them, the call goes straight to voicemail. I have also tried emailing this company and no one has responded to any email I have sent. It has been impossible to communicate with them and I'm afraid that by not being able to talk to them, it is going to continue to hurt my credit score. 


XX/XX/XXXX : first learned of debt that had been sent to collections in XX/XX/XXXX from obtaining my credit report from XXXX. 
I have never personally received a phone call, email, or anything in the mail about this debt that has been in collections since XXXX. 

XX/XX/XXXX : Attempted to make contact with Premiere Credit of North America at XXXX XXXX with no answer. Was told to leave name and number and they would get back to me. 
Initiated another phone call at XXXX with no answer. 
Went on Premiere Credits website and listed my email and contact info on their contact us tab. 
Initiated another call at XXXX XXXX with no answer XX/XX/XXXX : Attempted to make contact with Premiere Credit once again at XXXX with no answer. 
Initiated a phone call at XXXX XXXX with no answer Decided to wait one week to hear from Premiere Credit before attempting to call again. 

XX/XX/XXXX : attempted to call at XXXX XXXX  and it went straight to voicemail

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 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have attempted to link my checking account at PNC Bank to Savings and investing services like XXXX and XXXX, and their security protocols are not allowing me to do that. I have tried every avenue to link these accounts, and have verified security and  ownership of the accounts time and time again in an attempt to link them. It should not be this difficult to connect an account that I own to a third-party savings app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
I disputed a late payment with all 3 credit bureaus. XXXX  updated the late payment info to say positive no late payments. However, Transuinon and XXXX  did not. I asked XXXX  and transunion how they verified this information and with whom, but I have not been sucessfull in my attemps. High credit should also reflect XXXX last payment should say XX/XX/2020

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