vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: OH

Complaint narrative:
On or about XX/XX/2019, I notified Comenity Bank ( issuer of my XXXX and Victoria 's Secret cards ) that there were two fraudulent charges on my account and that the card was not in my possession. I provided specific details related to the missing card as well as information documenting the the charges on the account could not have been made by me, as I had been on a business trip during the period the charges were made. Not only that, but it was obvious by the charges ( both the total and the location ) that the spending does not follow my regular spending habits with this card issuer. I received a letter at the beginning of XXXX indicating that after the investigation was completed, I was found not to be responsible for the charges. Then, this week, I received notification that the decision had been overturned and that I was not responsible for the charges. I need this situation to be once and for all rectified - I feel I have not had any protection. I also feel this claim has been largely mishandled right from the start.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associate, reported 4 fraudulent accounts to all major credit bureaus without a 30 day notice by mail, also reported a fake address that don't exist. The original account holder ( XXXX XXXX ) have sent me letters stating that those accounts don't belong me. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
The mortgage account was reached with XXXX and was updated by modifying the mortgage loan. For this reason, arrears that appeared in previous years can be eliminated. If so desired, the " allonge '' agreements can be sent to update the mortgage. Attached documentation of the XXXX mortgage. In the credit factor I understand that it can be reported as up to date and not with 28 late or missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On this website : https : //www.barclaycardus.com/applycontent/TnCs.jsp? tc34714 when I signed up for a Barclays card it says upon the first purchase you will receive XXXX bonus points. Exact wordage here : REWARD RULES Wyndham Rewards Visa with No Annual Fee Gold Level Reward Rules : " Bonus Points You must maintain an open Account that is not in default under your Cardmember Agreement with us. 
Your Account can not have been inactive for 7 billing cycles in a row ( representing approximately 7 months ). Inactive means you have no balance, no payments and no transactions. 
You must be an individual ( corporations, partnerships, and other entities may not participate ) and use the Card only for personal, family or household expenses. 

Wyndham Rewards Visa Card Cardholders will earn XXXX Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I did not receive my bonus points and I called to resolve and employee that goes by XXXX and ID XXXX  refused to give me my bonus points.

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 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general.

Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Inquiry Date : XX/XX/19 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: National Auto Lenders, Inc.
State: FL

Complaint narrative:
I have paid my car loan in full ( $ XXXX+ ) with National Auto Lenders on XX/XX/2019 and it has been 3 months. We have not received our title and the lender has not send request to XXXX request for Lien Holder to be removed. They issued a Lien Satisfaction twice with incorrect information. However, it has been corrected, now XXXX XXXX Agency in XXXX XXXX, FL and XXXX XXXX, FL refused to accept it. They are stating we need the original title, which we never received. It has created a very stressful situation over the past week for my family and I. I would like to request if someone will please contact National Auto Lenders title department at XXXX and ask for the responsible party and ask them to submit the necessary request to remove their name from our title with XXXX so that we can obtain it without the hassle. It has been a bit of discrimination and hassle dealing with the XXXX workers in the local offices. We are not being treated fair compared to their same race of peers. Please investigate this matter as soon as possible. Thank you in advance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a One Deposit checking account online with Citizens Bank on XX/XX/XXXX with a sign up bonus of {$300.00} to be deposited after one direct deposit of {$500.00} or more. Direct deposits of {$500.00} each were made on XX/XX/XXXX and XX/XX/XXXX, as well as additional transactions and activity such as withdrawals and transfers that were made through the end of XXXX. I withdrew the balance of the account, as another direct deposit was due to hit the account in less than 2 weeks. In that short time, my account was inexplicably closed. I received no notification, correspondence, or warning. I then called the corporate customer service line, who informed me they did not know why my account was closed and were confused that there was no reason indicated for the closure. All they were able to deduce was that it was not due to collections, which I already knew as I never had a negative balance. They suggested going into a branch to further investigate. I went into the branch at XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX and spoke with XXXX. At first, he was just as confused as the corporate customer service, as he could not see any reason as to why my account would be closed. After calling supervisors and corporate phone assistance, he told me that it was closed due to inactivity on XX/XX/XXXX. I argued that I had already met the requirements for the bonus and an account should not be closed due to less that 2 weeks of inactivity but he was unable or unwilling to do anything to remedy the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: NY

Complaint narrative:
I have been using my chase credit card while temporarily working in XXXX XXXX Fl area. While lodging at a studio room at a hotel, I have been making purchases up to approximately {$100.00} at XXXX XXXX. On Sunday XX/XX/2019, I made a {$29.00} purchase. My chase statement shows the {$29.00} purchase and two additional purchase for {$590.00} and {$10.00}. On Monday XX/XX/XXXX, I made a {$32.00} purchase. My chase statement shows the {$32.00} purchase and two additional purchase for {$190.00} and {$5.00}. Reviewing my on-line Chase statement XXXX   XX/XX/2019, I noticed these additional charges. I did not make {$800.00} worth of purchases at XXXX. I contacted chase and disputed the two largest transactions {$190.00} and {$590.00}. The Chase card was cancelled. They removed the charges for XXXX months while they investigated. They sent me a new card which I never activated. I noticed in XX/XX/2019 the two charges were put back on my account. I called chase to dispute and they recommended I contact the police. I contacted XXXX XXXX XXXX Police department, ( see attached police reports ). I never lost the credit card. The police contacted XXXX and reviewed the transactions on my chase card. They see the legitimate purchases in their records. The two disputed charges do not exist in the XXXX data base ( see second police report ). I am not surprised since I never made these purchases. 
I have disputed these charges four times with Chase. They keep stating the charges exists even though XXXX has no record of these purchases ( see second police report ). I have paid the approx. {$800.00} so I dont rack up interest and penalties and ruin my credit. I ask Chase what they verified when there is no record of the purchases at XXXX. They state since the charges are point of contact and numbered sequentially, they must be legit. My wife XXXX is a witness for the two legit charges of {$29.00} and {$32.00}. The other charges are not legit ( Chase computer error? ). 
I am looking for assistance in getting Chase to correct their billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America froze my checking account on XX/XX/2019. I have a printout from the manager of the local bank that morning that shows I had {$5900.00} on deposit. Later that day the fraud dept froze the account and actually closed if. Neither I nor the bank manager were able to access it. 
I filed a complaint on XX/XX/2019 I received a letter telling me the issue was closed and a check would be issued I did not receive a response for a month so I filed a complaint on XX/XX/2019 I received a check for {$100000.00} on XX/XX/2019 and a letter saying the issue was closed I filed a complaint on XX/XX/2019 protesting the decision and the lack of an accounting of the money that they still held. 
On XX/XX/XXXX I received a letter informing me of the decision and the process behind it. The explanation consisted of a 20 page printout of the banking rules and regulations they operate under. 
I filed a complaint on XX/XX/2019 On XX/XX/2019 I received a check in the amount of {$3300.00}. 
{$5900.00} minus {$1000.00} minus {$3300.00} leaves a balance of {$1600.00} that has not been accounted for.

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 2019-12-29 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: SC

Complaint narrative:
XX/XX/XXXX : today, despite several efforts including a telephone call to customer service, EQUIFAX would not give me access to my credit file ; I tried using the XXXX XXXX XXXX website and then using my 'personal account ' with EQUIFAX . Both times, EQUIFAX would not permit me access to my credit file. I also called EQUIFAX customer service, and after scrolling through minutes of pre-recorded messages, I finally was able to request a personal conversation with a representative, but that conversation never materialized, because the EQUIFAX system immediately scrolled to a 'survey ' and then hung up on me. Equifax needs to be put out of its misery before it gives millions of consumers costly legal and personal problems. Seriously, EQUIFAX can't keep personal information secure and then they cause problems and delays for consumers who want to see their credit files. This is unacceptable and if EQUIFAX can't do better, then they should be shut down before any more harm takes place. 

I also note that the so-called 'security questions ' ; asked by EQUIFAX ( online today )  were bizarre. I answered those questions accurately, but EQUIFAX indicated it could not 'identify ' me. This is pure XXXX, and no way to reach EQUIFAX to correct this situation. I now have two ( 2 ) different passwords for EQUIFAX, and apparently, what was acceptable last year ( XX/XX/XXXX ) is not working this year.

By the way, XXXX had no problem providing me access today through the XXXX
XXXX XXXX  website, and their security questions were actually related to my information, unlike EQUIFAX. Kindly assist me, and let others know about this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander bank still is reporting negative items on me wrong info and it sold the car it shouldnt be on my credit reports all 3 credit agencies are reporting it shared info that I never gave to them the car was repoed voluntarily because of my illnesses. Iam on ssdi I reported this this should be off my credit report for false information and for sharing my info to companies to just mentally make it worse for me. Something has to be done we need to do something with the guy in the White House that are for the rich corporations going after the weak and vulnerable.. XX/XX/2015 its 5 years old and its bull that the buearus are sticking up for Santander Bank XXXX Its illegal but we know the rich can do illegal stuff and get away with it..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: NJ

Complaint narrative:
I have been sending disputes over the last six months in order to have some inaccurate accounts deleted from my credit report. To give them credit they have deleted most of the accounts so Im grateful for that. However, there is still an account remaining that is inaccurate. I disputed the account in question last month but it wasnt deleted or updated to never late. All 3 credit bureaus are reporting different information for the same account which is a clear violation. Also, XXXX has determined my account to be reported as never late. This is all my proof for the account needing to be fixed immediately. Its extremely important for me to have this matter resolved as my credit score has been holding me back from moving forward in life.

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 2019-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
XX/XX/XXXX I called Loancare ( subservicer of XXXX XXXX XXXX XXXX ) to set up a payment plan for my mortgage that was 2 months late. I was told if I canceled I must call to cancel 2days before they take the money at my account. 

XX/XX/XXXX I'll call to cancel the payment plan I made with Loancare ( subservicer of XXXX XXXX XXXX XXXX  ). I stated I was making 2 payments of {$1500.00} on the XXXX and XXXX of XXXX. The representative I talk to stated she cancelled the payment plan and entered the corrected pay amount for XX/XX/XXXX and XXXX. Once both take payments were made my mortgage would have been current. 

On XX/XX/2019 Loancare ( subservicer of XXXX XXXX XXXX XXXX ) on unauthorized {$2000.00} from my XXXX account. I called on a XXXX XXXX to figure out what happened. The representative stated she saw where the last representative put in both payments for the XXXX and the XXXX, but made a mistake and canceled the wrong payment. The representative asked me to send in my bank statements to show any in NSF fees that I occurred due to the mistake so i would be reimbursed. 
The representative stated She is canceling the payment plan that was in the system. 

On XX/XX/2019 Loancare ( subservicer of XXXX XXXX XXXX XXXX ) Unauthorized {$1500.00} from my account.My call to complain at this point my creditors have castle to of my cards in my other creditors started to show delinquent due to this mistake. 

I was told to file a complaint with Loancare ( subservicer of XXXX XXXX XXXX XXXX   ). Once I found the complaint they was going to put money back into my account I have  all NSF fees paid in full. On XX/XX/2019 nothing was there resolved. I paid {$3000.00} to cover any back mortgage issues that I occurred in the remaining balance was paid on XX/XX/2019. 

The representative stated all my past due fees in NSF fees would be refunded and also any issues would be resolved. 

I called on XX/XX/XXXX, XXXX and XX/XX/2019 there was no response back from the charges credited back to my XXXX account. On XX/XX/2019 I was told by representative with Loancare ( subservicer of XXXX XXXX XXXX XXXX ) they was not going to pay anything and I should be glad they didn't take any legal action. 

Due to Loancare ( subservicer of XXXX XXXX XXXX XXXX XXXX not handling my account correctly 2 of my credit accounts closed and 5 either went past due or delinquent. 
Loancare ( subservicer of XXXX XXXX XXXX XXXX ) knowing their employees made a mistake, and would not correct the actions of them. Loancare ( subservicer of XXXX XXXX XXXX XXXX ) fraudulently took funds from my account and never corrected the issue at hand.

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 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
This will be my second attempt @ trying to have FCRA section 609 ( a ) ( 1 ) ( a ) met properly for my complaint. I have mailed in a debt validation letter on XX/XX/19 to Portfolio Recovery Associates and I will include a copy of their response. No where is a copy of any physical proof this if my debt or in fact even my account. I am curious as to how theyre not held to the FCRA laws. It is baffling to say the least. I requested the following information from them & can not seem to get anything except a copy of a statement from them PRA, with no documentation attached to confirm this account is mine. I asked for a copy of their state license, didnt receive that as well. I will continue to file complaints until I receive a proper debt validation. I have read numerous complaints online regarding the same issues other consumers have with PRA. I am demanding a PROPER DEBT VALIDATION with a copy of the original SIGNED consumer contract. How is it even legal for them to purchase an account with NO physical proof that this account is in fact the consumers???

Company response to consumer: Closed with non-monetary relief