vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 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:
I was noticed on XX/XX/XXXX about a debt with Comenity Bank. I answer my phone on my way to work. When the person told about my debt, I told her I don't have any account with Comenity bank. She asked me if I have a Victoria 's Secret credit card. I said yes, and she explained that card is managed by Comenity Bank. I told her I didn't buy anything recently at VS, so I immediately though it was a fraud because she asked me to pay a minimum by phone. I told her I will call them back when I was at my office. After I entered the VS card website I noticed my last transaction was on XXXX. I had to pay on XX/XX/XXXX {$110.00} and I paid it on XX/XX/XXXX. This generated a {$29.00} late fee on XX/XX/XXXX and an {$2.00} interest charge on XX/XX/XXXX. I never received any notification of this, even when they have my mail address as they recently send me two new credit cards ( I didn't ask for them ) They also have my email. On XXXX they charged me another late fee for {$33.00} and {$2.00} interest charge on XXXX. On the XXXX Statement they charged me again {$36.00} late fee on XX/XX/XXXX and {$2.00} interest on XXXX. The new balance that I am supposed to pay after of these fees was {$100.00} due on XX/XX/XXXX. 
When I call them back on XX/XX/XXXX, I explained to them I wasn't aware of my debt. I just checked my account and saw all the late payment fees. I told them I didn't receive any statement, and the only notice that I have was the lady that called me in the morning. I didn't agree on paying lates fees and interest over a late fee. I agreed to pay just the first late fee and interest and settle the debt. When they agreed to that, so I agreed with them to charge my XXXX checking account for that amount. XXXX XX/XX/XXXX I received a notification that my credit score was affected ( it's XXXX points lower ) because I was in delinquency with this bank. I called them again, and I spoke to another person. They told me I still have a debt that I can pay in installments, When I asked them what happened with my settlement they claimed they didn't have record of that. I told them that was very unfortunate, but since this was affecting my credit score I agreed to paid the remaining amount ( {$66.00} ), and I also closed my credit card. This time they gave me a confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Certegy Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted to cash a check at XXXX store, but it was denied and I was given a print out advising to call Certegy for more information. On XX/XX/XXXX, I called Certegy and requested a Consumer File Disclosure Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX Stores was never paid, reporting source is XXXX XXXX XXXX XXXX with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified Certegy Payment Solutions at ( XXXX ) XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX Stores. On XX/XX/XXXX, I spoke to a representative at XXXX Stores customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.

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 2020-12-10 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: OHara Holdings, LLP
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted to cash a check at XXXX store, but it was denied and I was given a print out advising to call XXXX for more information. On XX/XX/XXXX, I called XXXX and requested a Consumer File Disclosure Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX Stores was never paid, reporting source is XXXX XXXX XXXX XXXX with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified XXXX XXXX XXXX at ( XXXX ) XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX Stores. On XX/XX/XXXX, I spoke to a representative at XXXX XXXX customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with Check Plus Systems to make a payment. On XX/XX/XXXX, I made contact with Check Plus Systems, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, I called Check Plus Systems and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted to cash a check at XXXX XXXX, but it was denied and I was given a print out advising to call XXXX for more information. On XX/XX/XXXX, I called XXXX and requested a XXXX XXXX XXXX Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX XXXX was never paid, reporting source is Complete Payment Recovery Services with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called Complete Payment Recovery Services and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified XXXX Payment Solutions at XXXX XXXX XXXX XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX XXXX. On XX/XX/XXXX, I spoke to a representative at XXXX XXXX customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.

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 2020-12-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THIS ACCOUNT IS FRAUD AND COMPANY WILL NOT SEND ME A COPY OF THE ORIGINAL CONTRACT WITH MY SIGNATURE, WHICH THEY ARE REQUIRED TO DO BY LAW. SECONDLY THE CREDIT BUREAU HAVE NOT SENT ME A DECISION SINCE THE ORIGINAL FILING OF XX/XX/2020 WHICH AS OF TODAY HAVE BEEN 60 DAYS ..PLEASE ENFORCE THE REMOVAL OF THESE ITEMS OFF MY CREDIT REPORT PLEASE. IM ALSO FORWARDING A COPY OF A POLICE 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 2020-12-10 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: TX

Complaint narrative:
To CFPB, I have a public record on my file for the last 7 years, that is not mine. I have tried disputing with the Experian and XXXX  multiple times. 

The weird part is, I called the bankruptcy court myself today and they told me they do not share or communicate any information with these credit bearus at any time. Not even XXXX XXXX a thirds party company. 

The only credit bearu that has deleted this bankruptcy off my credit is XXXX. They are following the FCRA as for Experian and XXXX they are breaking the law of inaccurate and unfair reporting. 

This letter serves as record I have done my part to communicate with them but they dont want to correct it.

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 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is suing me for not paying for fraudulent charges made to my Best Buy credit card. These fraudulent charges were made on the night of XX/XX/2018. I received a phone call on that same night from Citibank security informing me that there were purchases made with my credit card. The purchases were made from two Best Buy store locations in XXXX. I confirmed to them that those purchases were not mine and were unauthorized. They told me that they would cancel the card and issue me a new one and assured me that I would not be responsible for paying for those charges. On XXXX of that same year I went out of the country for the holidays and when I got back in XXXX I found a letter in my mailbox from Citibank 's security division and in that letter they asked me to give them a call to get some information about the same credit card charges. They wanted to find out if I had received any other credit cards from them and I told them that the only one I had was the replacement card they sent me after my original card was compromised. A few weeks later I received another letter from their security division telling me that they didn't deem the purchases to be unauthorized and that I would be responsible for paying for those. I asked them how they came to that conclusion and the only reason they gave me was that I had a chipped card so no one else could have duplicated it. They told me that if I wished to further dispute the charges, I could write a letter to their Executive Response Unit. I did exactly that and explained to them all the events that transpired since XX/XX/XXXX of the previous year. I even had a few conversations over the phone with their ERU to discuss the matter. I even asked them to obtain video recordings from the stores involved but they told me they could not do that. In the end they seem to have deferred their decision based solely on what the security division decided. I had been a loyal Citibank customer for almost 25 years and never once did I default on my credit card payments to them. My credit history has always been excellent. And now, since I refused to pay for those charges they have ruined my credit rating and decided to sue me after three years.

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 2020-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
On XX/XX/2020 capital accounts contacted me at XXXX XXXX. I spoke to a representative about a debt they were trying to collect that I was unfamiliar with from my primary care physician. I asked the representative if I could pay it online, as I had not had a chance to investigate this claim. She gave me the website, and explained the process of expunging the debt from the credit bureaus. The conversation was polite and informative. The call lasted 3 minutes and 57seconds. 

Today, XX/XX/2020 I received 3 phone calls in less than one hour from Capital Accounts the first at XXXX XXXX, second at XXXX XXXX, and the third at XXXX. The third phone call I stepped away from work to answer and informed them that they have called three times now this morning and I am at work in a hospital and asked that all further communication must be done through mail. The woman who was on the other end of the line when I answered the phone also shouted my name at me. She was very inappropriate. 

I think this repeated calling after I already spoke to a representative is harassment. I work in a community hospital in XXXX TX as a XXXX  XXXX. I'm not sure if Capital Accounts is aware, but we are almost a year into a global viral respiratory pandemic and thousands of people are XXXX a day ... as a XXXX  XXXX my time at work should be committed to my patients, NOT a bill collector.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I previously had an account with Capital One ending with XXXX with a credit limit of {$7000.00}. I allowed my grandaughter to use the account while overseas, in XXXX. I allowed her to be an authorized signer. There were charges placed on the account she said she did not make, however she returned from XXXX after becoming stranded and no way for me to fight the charges. 

I agreed to pay Capital One, over a 5ive year period without penalty, and what do the do they penalized me by placing erroneous remarks with the credit bureaus say I was 180 days late on the account, which the most ever was 90 days. I made all payments as agreed and paid 7 % + interest and they stole the mileage credits that could have been applied to the account. 

I paid account off in less then three years, over paying and simply ask them to return the overpayment to my bank account. They still have not returned the funds in any capacity. 

I should be able to charge them late fees and interest for taking money that did not belong to them, destroying my credit on my reports and then fail honoring their agreement. 

I wish deeply their were safeguards for consumers against companies like Capital One as consumers struggle with outrageous interest rates, excessive late fees that should never be allowed and stop these greedy companies from destroying US economies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 
Please delete the following accounts : 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, XXXX  XXXX, XXXX  XXXX XXXX  XXXX OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX  XXXX  This is my only number XXXX All other telephone numbers are not accurate

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 2020-12-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Member ID : XXXX I use Experian to monitor my credit ( FICO ) over the weekend of XX/XX/XXXX through XX/XX/XXXX shows a 22 point drop in my score when I have not used my credit, since XXXX of XXXX, when contacted Experian via email only, ( NO ANSWER WHEN CALLED ) their response was ( see below ), None apply to my concern? Confused that it will show past account information but can not explain why it dropped if their business is credit monitoring? 
I looked at another credit monitoring app that I also have and it showed my FICO had not changed? One would expect Experian to give a detailed explanation as to why it dropped 22 points, not just a blanket statement XXXX22 points is quite a huge drop as I am concerned that it may be identity fraud? 

" Valued Customer : '' Thank you for contacting Experian. Since we are not licensed credit advisors, we can not attempt to explain exactly why your score changed. Still, we would like to provide some information you may find helpful. 

Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported Your credit card balances have climbed An account was opened or closed Youve recently applied for new credit An account on your credit report has aged off Credit scores are calculated based on the information in your credit report. Please note that credit scores can vary depending on the scoring model used ( examples : FICO or VantageScore ). Additionally, credit scores can vary based on which credit reporting agency supplied the report. The score is based on your report and creditors are not required to report to all credit bureaus. The three major consumer credit reporting agencies in the U.S. are Experian, XXXX  and XXXX. Experian memberships utilize Experian credit reports and the FICO Score 8 model. 

The primary factors that determine a persons FICO credit score are : 35 % based on payment history 30 % based on amount of credit utilization 15 % based on the length of your credit history 10 % based on hard credit inquiries 10 % based on types of credit ( revolving, installment, etc. ) You may learn more about credit at https : //www.experian.com/blogs/ask-experian/ Sincerely, Your Team at Experian

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