vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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: TN

Complaint narrative:
on XX/XX/2020 i called Comentiy Bank which partners with Victoria Secret to pay my Pink card ( credit card ) bill. Previous to me paying this bill i called in let them know on my last bill cycle that i was out of a job due to the covid-19 epidemic and the extra late fee i could not pay and the charge to process my card should be wave because i was still trying to make a payment in-spite of the situation. i told them that i would probably be a couple days late because i was using my savings to pay bills and i would have to get all of my main house bills out the way first because i have XXXX  children that lives with me and i cant do without. The respond was we will not charge you these fee we understand the situation that you are in. i thanked them and the called ended. i call back on the XXXX of XXXX and things changed. my bill was due on the XXXX of XXXX and i was 3 days late but i want to pay them to stay ahead of my bills. i talked to the rep. about the late charge and she transferred me to someone she said that could help wave the fee be the person that i talked to said there was nothing that she could do i explained the situation and what was told to me and still they said that they couldn't do anything about it. i had to pay a XXXX dollar late fee and a XXXX processing fee on a XXXX bill in the end i payed XXXX to try to stay ahead of the bill and the late fees i payed more then i had to spare. so in the end of me paying the money only XXXX went towards my initial balance. on the next payment i will have another late fee and process because in till i can go back to work i will be late paying my bills because i can only pay out what i have. trying to move money around the best way that i can right now. they offered to lower my payment with the program that they are offering to those who need relief during these time but it would not help me to lower my payments if the company is still charging the late fees and the process fee it will hurt me because non of the money will be going to the balance that i owe. to me this bank is trying to keep people in debt not help them get out of it. using this time to get over on people who need help promising false promises of relief and do not keep there word and also trapping people in a whole of debt that they cant get out of and calling it help. a promise to lower a payment and the fees add up to more then the payment itself, is called highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME NOR HAVE I AUTHORIZED THESE TRANSACTIONS. BECAUSE OF THESE INACCURATE ACCOUNTS MY CREDIT IS IN A HORRIBLE STATE. I HAVE SOME THINGS THAT I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THESE INACCURATE ACCOUNTS I CAN NOT MOVE FORWARD. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
fraudulent accounts are on my credit report due to identity theft

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 2020-04-24 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: NY

Complaint narrative:
fraudulent accounts are on my credit report due to identity theft

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: PA

Complaint narrative:
Around XX/XX/20 I applied for forbearance with my mortgage company ( My Loan Care ) due to the impact of Covid 19. Under the " Cares Act, '' this was not supposed to impact my credit report negatively, which it has. My XXXX  score dropped over 70 points by them making there 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 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: WY

Complaint narrative:
PLEASE STOP, THIS IS NOT MINE THIS IS A CASE OF MISTAKEN IDENTITY. I HAVE I FILED A COMPLAINT WITH THE CFPB AND THE FTC. STOP TRYING TO IMPUGN MY CHARTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I noticed on XX/XX/2020, Chase Bank restricted online access to my account. The message says " We locked your account to protect it from suspicious activity. '' The message offers a telephone number to call, which is XXXX.After authenticating my identity twice with Chase Bank over the phone, Chase Bank refused to unlock online access to my account. I am unable to reset my password online ; attempting to do so results in the same message. 

Phone access through Chase Bank 's main menu ( XXXX ) was unaffected. I checked my balance and recent transactions using their automated system and did not discover any unauthorized transactions. 

On XX/XX/2020, at XXXX. CST, my first phone call with Chase customer service representative was unproductive. After verifying my identity and sending a one-time passcode which I verified with the customer service representative, she told me she would transfer me to the " internal department '', though upon doing so I only received the main menu of Chase 's telephone system. The phone call lasted nine minutes. 

On XX/XX/2020, at XXXX. CST, my second phone call with Chase customer service representative was also unproductive. The customer representative transferred me to the Chase " Protection Group '', with the direct phone line number mentioned by the customer service representative mentioned as being XXXX. This second phone call lasted 50 minutes and included several holds. 

The line quality of the Chase Protection Group customer service representative was noticeably worse, with several words being inaudible. The customer service representative prompted me to provide my phone number again, which I did so but the poor line quality resulted in her inputting a different phone number. Instead she asked me to answer two identify verification questions, which I passed. She then asked me to run an antivirus scan, which I did. She then also requested that I change my personal e-mail password as well, but I declined to do this. The customer service representative told me she could not assist me further and to call back when I reset my email password. As such I informed her that I would be ending the call. 

I am dissatisfied with the way Chase handled the situation. I appreciate the bank taking customer security very seriously - especially during COVID-19. However, with many of its branches closed, where I could probably unlock my account in person, they should take care to assure that they are not locking their own customers out of their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: MA

Complaint narrative:
On XX/XX/2020, my credit score dropped due to a new derogatory account being added. This account was a charge-off that I never received any notice of whatsoever, and have no clear idea of what the original debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BCA Financial Services, Inc.
State: SC

Complaint narrative:
I am in the XXXX XXXX XXXX. According to XXXX, I Can't be charged for XXXX deductibles, coinsurance, and copayment. 
I received collection notice from a provider attempting to collect amounts that XXXX statement indicated that I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: NC

Complaint narrative:
I disputed XXXX XXXX with XXXX XXXX. I ask that they verified the information on my credit report. I have never received one letter one bill or any communication. I have tried to dispute this false  information on my credit report and Experian will not verify the information although they say they have no validation or verification has been sent to me. I sent Experian copies of the correspondence sent to XXXX XXXX and advised how could they have verified this account when no information was forwarded and the company never responded. I disputed on XX/XX/2020 with experian and in less than 24 hours Experian has stated they have verified the account as accurate and it remains on my credit report. How is this possible. Experian is not verifying any information during these investigations and leaving information that is inaccurate and false on my credit report. This has caused my file to be seriously damaged. I am not able to get credit or appropriate interest rates because of this false information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Midwest Recovery Systems
State: NJ

Complaint narrative:
Midwest Recovery Services added a collections account to my CR on XX/XX/20. I have never heard of this company nor do I have any outstanding debts. After some online research I've discovered that this particular company has a habit of filing inaccurate or fraudulent accounts on consumers credit reports in an attempt to scam the consumer into paying a debt that is not owed. This is fraudulent, predatory and overtly illegal activity. That is why I'm reporting them to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
They continuously call every day before XXXX and after XXXX. I have asked them repeatedly not to call me at those times. When I answer their calls, there is no one on the other end, it takes around 5 seconds or longer for someone to actually answer. If I try and call back they are rude and harass me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems, third party collection agency, for an original debtor, XXXX XXXX XXXX  date XX/XX/XXXX. This debt was never verified. They never sent me a bill or proof of this debt. Already reported this in collection to XXXX XXXX back in XXXX. I disputed this back in XXXX, XXXX and it was removed from my Credit Report on XX/XX/XXXX. 

I receive an alert from XXXX XXXX that there was a negative item reported to XXXX. I have called XXXX  and are of no assistance. Though I have the credit from XXXX, XXXX   and it clearly states this item will be removed on XX/XX/XXXX. It was, until it was re-reported again now. Same Company, same amount. 

This situation has made me sick, I have worked diligently to rectify my credit for over 3 yrs. Letter, disputes, filing complaints. Now this again. How is this legal? This debt, whatever it is, is beyond the stature of limitations of reporting since it is from XXXX. 

They are now starting to robo call me. As of today. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: U.S. BANCORP
State: ME

Complaint narrative:
On XX/XX/XXXX I stayed one night at the XXXX XXXX in XXXX Maryland. 
The charge was supposed to be {$130.00} I discovered I was charged {$1100.00} when I got my credit card statement. 
On XX/XX/XXXX I called the XXXX customer service and was told by them that I was charged for 7 nights. 
They assured me they would contact the manager and I would be refunded. 
On XX/XX/XXXX I still had not received the refund so I called my credit card to dispute the charge. 
They started the dispute and they gave me a provisional credit. 
I continued to try and get the hotels customer service to resolve the follow up on getting my overcharge refunded. 
The original booking was made on XXXX but when I got to the hotel I was told that they didn't have that type of room and the reservation was changed at the hotel. 
I was moving to Maine so left early in the morning and there was no one at the desk so I just left. 
So, I have no receipt, only the credit card charge. 
XX/XX/XXXX I received a letter from my my credit card company stating they reversed the provisional credit and I am responsible for the charge. 
I called them and was told that they did not contact the hotel. The decision was made based solely on the fact I did not have a receipt. 
Again, I continue to try to contact the hotel manager directly and the hotels customer service for resolution. 
I don't think it is intentional fraud or theft but it is amounting to one or the other. 
The Hotel has taken over {$1000.00} of my money that they were not owed. 
My credit card company is not able to or interested in protecting me from being robbed.

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 2020-04-24 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for my mortgage refinance and they noticed that there is a credit freeze on my credit report with Experian. I have been trying to reach Experian for 8 days now. Everytime I try to call them, the phone calls disconnect and do not connect to a live person. There is an option to unfreeze credit report online, but it fails saying that my information does not match and/or my pin is not valid. I tried generating pin. The standard form that prompts us asks us only for SSN, Date of Birth and Address. It comes back that my information is not correct and that I need to send a letter in mail with a state issued ID/DL, Utilitiy Bill/Bank Statement etc., I tried unfreezing without a pin and still fails validation. For a large credit reporting beareau, I am extremely disappointed that there is no one to help. I mailed two letters. One regualr and one via priority mail. I have delivery confirmation that they recieved letter on Tuesday XX/XX/21 in the afternoon. There is absolutely no response from Experian till now. I am not able to refinance my loan. I was able to access my credit report from the website but lending organizations are not able to. Please Please Please Please Please help me. 

My USPS tracking # 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 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo services our mortgage ( Loan number XXXX ). We asked for and received a short term ( 6 month ) suspension of our mortgage payment due to the pandemic. I am a XXXX and my XXXX has essentially disappeared. I can't pay my rent in my XXXX XXXX and my XXXX XXXX XXXX will be impacted if I lose my home. 

Our mortgage is actually owned by XXXX. I went to their website and they offer a 12 month suspended payment program as well as other payment options. Wells Fargo does not. Why the discrepancy? The offerings should be consistent. 

None of knows what will happen with the pandemic and need the assurance that WF is not going to take advantage of us or the situation.

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME NOR HAVE I AUTHORIZED THESE TRANSACTIONS. BECAUSE OF THESE INACCURATE ACCOUNTS MY CREDIT IS IN A HORRIBLE STATE. I HAVE SOME THINGS THAT I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THESE INACCURATE ACCOUNTS I CAN NOT MOVE FORWARD. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-04-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME NOR HAVE I AUTHORIZED THESE TRANSACTIONS. BECAUSE OF THESE INACCURATE ACCOUNTS MY CREDIT IS IN A HORRIBLE STATE. I HAVE SOME THINGS THAT I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THESE INACCURATE ACCOUNTS I CAN NOT MOVE FORWARD. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.

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