vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2020 I purchased a {$500.00} XXXX XXXX card from XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX using my Discover credit card. Upon returning home, I tried to redeem the card and found out that the card had no balance and with closer inspection I could see that the card has been tampered with. I reached out to the XXXX store who did nothing, reached out to Discover who investigated it and XXXX provided receipts saying that the card was purchased and activated and closed the dispute. This occurred around XX/XX/2020 ). Because of the time that have lapsed ( and my ignorance of not knowing who else to reach out to I can not access the rejection of my dispute. ) I reached out to XXXX who's response is attached. After my final email with XXXX I heard nothing else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We applied for covid relief in XXXX which was approved. XXXX added {$4000.00} for deferred principal XX/XX/XXXX, which XXXX on XXXX and XXXX XXXX was applied to escrow, XXXX on XX/XX/XXXX and XXXX on XXXX was applied to principal, XXXX difference was not applied anywhere. 
Than lender added another XXXX to deferred principal which that money was not applied anywhere. 
They also charged us XXXX for late fees on XXXX and XXXX. 
Fees were suppose to be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX, I received an email from Comenity Capital Bank, that states that on XX/XX/XXXX ; XXXX my payment of {$2400.00} was returned due to insufficient funds, as the payment was returned my account was charged a fee of {$29.00}. 
I made the payment of {$2400.00} on XX/XX/XXXX to close this account, which I had called to verify the payoff amount before the due date of the loan. 
I did contact my Bank, XXXX XXXX XXXX XXXX who states that Comenity Bank did attempt to deposit the {$2400.00}, again on XX/XX/XXXX and was returned to them. That amount was presented to and paid on XX/XX/XXXX. My bank stated that there was no mistake on there part, and that Comenity Bank attempted to deposit the same payment amount on XX/XX/XXXX. making them at fault. 
I sent an email stating what I had discovered and that I did not owe Comenity Bank a NSF fee of {$29.00}. 
As of today I have a balance of {$60.00}. in late fees for a check that they tried to deposit twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have an account with ChimeXXXX XXXX and my account was suspended on XX/XX/2021 due to a deposit that was trying to post in which Chime declined it and sent it back to the lender. They requested documentation and explanation of this deposit in which i provided even though the funds never deposited into my account. I currently have {$8500.00} in my savings account and {$360.00} dollars round about in my spending account and they are refusing to disburse me those funds that i am entitled to which is my money so they are basically doing theft. The agreement that they have is unlawful and basically robbing individuals of the rights to there monies. I requested them to close the account and asked for a check for the balances that had and was told no. I no longer want to do business with this company anymore however i would like my monies that i had remaining in my account disbursed to me as i am entitled to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I mailed a formal written complaint to XXXX XXXX and TransUnion on XX/XX/2021 requesting to remove inaccurate and incomplete credit information from my credit report. On XX/XX/2021 I wrote a second request requesting an investigation into items that I believed were OBSOLETE as stated on the XX/XX/2021 request. As of today XX/XX/2021 I have not received a response from XXXX XXXX or TransUnion for either request on the XX/XX/2021 or XX/XX/2021.

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 2021-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I mailed a formal written complaint to Equifax, XXXX, and XXXX on XX/XX/2021 requesting to remove inaccurate and incomplete credit information from my credit report. On XX/XX/2021 I wrote a second request requesting an investigation into items that I believed were OBSOLETE as stated on the XX/XX/2021 request. As of today XX/XX/2021 I have not received a response from Equifax, XXXX or XXXX  for either request on the XX/XX/2021 or XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I wrote to each bureau on XX/XX/21 and as of today over 50 days later I have not received any notification of investigation. I feel like Im on a hamster wheel being transferred to someone else every time I called. I recently pulled my report and noticed a few inaccurate items, in my research I saw it is illegal to report inaccurate items per FDCPA. I also learned that my information was compromised by the XXXX data breach. Now more than ever I believe my information may have fallen into the wrong hands. Your timely assistance in this matter ill be greatly appreciated.

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 2021-03-17 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: SC

Complaint narrative:
I sent Equifax inquiry dispute and they didnt come back within the XXXX to 45 day According to the fair credit reporting it if they dont respond within XXXX to 45 day mark weather inquiries or factual or unauthorized It doesnt matter because if they dont respond within a XXXX to 45 day mark inquiries must be deleted by law And they have not been deleted yet its been longer than 45 days they keep coming back after 45 days saying incorrect information my next step is to go to the federal trade commission if these inquiries are not delete it because Equifax is not following the law that gives them 35 to 45 days to respond And they are not following that law I sent my dispute in XX/XX/2021 and they came back With False information on XX/XX/2021 they keep giving me the runaround behind the inquiries and theyre not following the law they must delete it because its the law according to section 609 of the fair credit reporting act they have not provide any proof of my inquiries nothing bearing my signature Also Anything unverifiable or in accurate must be deleted the inquiries are inaccurate and unverified because they sent me nothing bring my signature according to 609 Section 609 of the fair credit reporting act so because of this this also must be deleted And if the inquiries are factual send me Proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: FL

Complaint narrative:
Due to Covid 19 was laid off job and did not receive unemployment. Mortgage Co gave me 3 months defferal and told me it would be placed on the back of the loan. I was to pay only the payments due after the 3 maths. Now they are demanding all payments. I sent them 3 months payments and they returned it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
HI, Attached is a file I sent to the better business bureau. All information is included in download. IF YOU NEED MORE SEND ME AN EMAIL. 
Also Filed with Attorney General office, they advise to notify you as well. 
My Name : XXXX XXXX. 
XXXX XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is the 2nd complaint I am having to file against the bureaus, the delay and lack of responses is not acceptable to someone like who is trying to obtain business credit and start a business! I originally started disputing the derogatory items on my credit on XX/XX/XXXX. I have received ONE response from the bureaus in the 10 months I have been attempting to repair my credit ; I submitted another dispute on XX/XX/XXXX and again on XX/XX/XXXX which also included at that time my FIRST complaint with the CFPB. However, after another dispute on XX/XX/XXXX and XX/XX/XXXX, I've yet again received NO responses or communication from the bureaus and am now filing my SECOND complaint due to the lack of responses and communications from the bureaus.

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 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX, and American Express have a Business card under my name that I have never applied for. These cards have been opened since XXXX of 2020 as they stated. I have never gone in personally to apply at any of their branches for a business card from a business I dont even own. Every time I call both of the companies they give me the run around by transferring me from department to department. They just keep sending me letters stating that the account is valid, but cant provide me my signature or proof that I went into their branches to apply for a business card. Seems like they do not want to help me out. The business XXXX  card balance is around $ XXXX {$26000.00} while the American Express is owed around $ XXXX {$5000.00}. 
These cards have been and are continually affecting my credit score with absurd outstanding balances. 
I have filed an identity theft police report on XX/XX/2020 for the first fraudulent account I was notified from which it was the business XXXX  account. I also filed a FTC report stating both accounts, and still cant get anywhere. I have continually pursued XXXX bank, and American Express to remove these accounts from my credit reports. These accounts do not belong to me and as stated before, I did not open these accounts and I should not be held responsible for the theft of my identity. This has been a continuous burden that I would love to have mended so that I can move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've verified my Identification and have called multiple phone numbers to get help with my claim. I have visited the website as well. I have been having this problem since XXXX. I've verified my Identification with the company to get my claim and I still am not receiving my claim.

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 2021-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I wrote to each bureau on XX/XX/21 and as of today over 50 days later I have not received any notification of investigation. I feel like Im on a hamster wheel being transferred to someone else every time I called. I recently pulled my report and noticed a few inaccurate items, in my research I saw it is illegal to report inaccurate items per FDCPA. I also learned that my information was compromised by the Equifax data breach. Now more than ever I believe my information may have fallen into the wrong hands. Your timely assistance in this matter ill be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I was unable to continue to pay my rent and voluntarily moved out of this residence. I contacted and closed my electric account and was told that the service would be transferred into my landlords name. It was not and I was unaware that I was still being billed, even after an order of possession was grated to my landlord I was still being charged for electric services. I have attached the Court information and can provide additional information proving I moved out of this residence and I am not responsible for the excess billing at this address.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: GA

Complaint narrative:
i was affected by a natural disaster on XX/XX/2017 my family in XXXX XXXX were hit by a hurricane so to alive and help i pulled all my resources to help them 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 2021-03-17 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: PA

Complaint narrative:
I previously disputed information on my credit report that don't belong to me I asked for a investigation and I was not given and I information about my investigation beginning or ending. I contacted this company to see if my investigation was processed this company denied ever receiving my disputed so I contacted a attorney I ask for legal advise I was advised to file a police report and a report with FTC and we came up with a plan of things to do before I file a lawsuit so I'm making a complaint because I don't want this to happen to someone else that is seeking justice for a crime that was committed against 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 non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have spoken directly with XXXX and received direct communication that this amount was in error and cleared and was mistakenly sent for payment. 
The account resolution team XXXX informed me this was removed and that nothing was owed. 

I have informed SEQUIM of this and they still report on my credit reports in error and still continue to harass me illegally. 

They are in direct violation of the FCRA and debt collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX opened this Barclays credit card account without our authorization. They've used our personal information, we don't have any knowledge that they opened a credit card account for us and also made unauthorized charge. I did not agree to any membership, a loan, or a credit card. They used my personal information to open these accounts without my permission. This is fraud and I am a victim of theft. I have filed complaints. They should be investigated for this kind of fraudulent actions. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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