vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX, XXXX, Inquired on XX/XX/XXXX. 
XXXX, Inquired on XX/XX/XXXX. 
XXXX XXXX, Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — Store credit 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:
On XX/XX/2020 my husband and I purchased a leather chair from the XXXX XXXX XXXX XXXX. At the time of purchase, we requested that the total amount be split between both of our credit cards. We were told in order to complete that transaction, we would need to first purchase a gift card from my account for half of the balance and the remaining balance would be charged to my husbands account. We also had reward certificates as well as a store credit. 

After several attempts to complete the transaction, the clerk finally confirmed she was able to process the transaction as we had requested. I was provided a screen shot of the transaction which included credits, rewards, the gift card and the balance on my husbands card. 

However, the receipt we were provided from the store showed the full amount on my husbands card. I did not catch this discrepancy at the time and it was only a few days later that I noticed the error on the printed invoice. 

I reached out to XXXX XXXX and spoke with XXXX. She as unable to resolve my issue and said a supervisor would return my call. I did not receive a return call. My husband reached out to have reached out to Comenity Bank and explained the situation. We provided receipts and a timeline of the situation. Comenity Bank agreed to review the situation, but has since refused to issue a refund for the error of {$930.00}. 

The chair has since been returned to XXXX XXXX. My husbands account was credited the full amount but my account has not been refunded {$930.00} for the error in charges. 

I am requesting that this situation be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CO

Complaint narrative:
I took out this line of credit for dental work that I needed to have done. I have been paying the card, paying over the minimum balance on the card but noticed multiple FINANCE CHARGE CREDIT of over {$200.00} when a promotion was over on the card. The promotion period being over was explained to me on the phone after I called to ask why an over {$200.00} change was put on to the card. I have never had a credit card with such a complicated and confusing fee structure. My balance at the end of the XXXX cycle was {$820.00} with payment of {$35.00} required, I paid {$50.00}. After my payment, the new balance is {$990.00} even though my payment was on time and more than the minimum balance. I was upset to see the increase and asked to speak with customer service to help me with paying off this card and asked to reverse those charges. Most card companies are happy to help you pay off debt and the agent I spoke to on XX/XX/XXXX told me they would issue a credit/reverse the charge to try to keep me from canceling the card. She told me that since they charge a fee to take payments over the phone that my new balance would be around {$700.00} and the credit would be seen in about 24hour. I checked my account and 48 hours later saw no credit. I called the customer service again on XX/XX/XXXX to learn that because this charge was " correct '' that they would not be reversing the change. I asked to speak with someone else to get help with this situation and was told the same thing. I do not feel that these promotion periods are clear and that they take advantage of their customers. No credit card should be this confusing and be unable to help their customers pay off their debt. They would not help resolve this issue. Looking at my transactions every day there are new fees put on to the

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 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 recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, XXXX and equifax to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I have submitted a dispute to Fed Loan Servicing on payments that are being considered ineligible under the Public Service Loan Forgiveness program. The dispute was submitted on XX/XX/2021 and I have not received any response except for an automatic response confirming that it was received. 

My dispute is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 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 recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, experian and XXXX to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a credit line increase on my Capital One Platinum Credit Card. I received a denial of the credit line increase on XX/XX/XXXX, with a letter stating specifically that I could not receive an increase " because my credit score was too low '' The denial letter was dated for XX/XX/XXXX. The credit report used for credit determination decisioning was dated for XX/XX/XXXX - well before my increase request date. I have never requested a credit line increase, the increase requested on XX/XX/XXXX was my FIRST time ever requesting an increase in the years that I have held this card with Capital One ... so I do not understand why a report from XX/XX/XXXX would have been used ( A report from an entire month PRIOR to my request ) Information from the denial letter shown as below : Your Credit Score 514 - Date : XXXX Source : XXXX Information Services Additionally, I have been harmed by this. Had Capital One pulled an accurate report from the date of my request, my accurate credit score would have been reported. According to their own " Credit Wise '' program, which I am enrolled in, my credit report reflected a Credit Score of 617 as of XX/XX/XXXX ( see attached ) I tried unsuccessfully to dispute this as any reasonable person would, with the management team at Capital One. After talking with several managers about the 102 point discrepancy in the credit reports pulled, the last manager that I spoke with told me that there was nothing that could be done. When I asked to speak with the complaint department, I was rudely advised that " there is none '', and that I would need to wait at least 6 months to a year to try and obtain another credit line increase, despite the fact that my credit was not assessed accurately. I was treated rudely, and without consideration, despite the fact that I have proven that I have a very reasonable concern. I was told that if I had further concerns, to contact the Credit Bureau ... which I did. 

The Credit Bureau Rep ( at the XXXX Bureau contact shown on their denial letter ) advised that not only had Capital One NOT pulled any credit reports dated for XX/XX/XXXX, but that NOTHING had been requested since XXXX either. With the exception of my own soft inquiries, nothing was reflective of a Capital One request ... so WHERE is this scoring information being pulled from, if not from the bureau contact on the letter? And why was I denied based on an obviously aged credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, MEADE & ASSOC # 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 2021-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an issue with the Capital One Credit Card website and a payment did not go through for XX/XX/2019. I was told on a recorded call that I was ok and that it would not go on my credit report. I was in effect lied to because on other calls I was told it would but then I was told it would be taken off if I filed a formal dispute, which I've done. But my credit report still shows a missing payment for XXXX of 2019. I need it corrected immediately so I can get a new car. 

The company has both lied and misrepresented their own records. This is a huge injustice and I plan on taking it up with the XXXX XXXX XXXX and Attorney General. Very disappointing work here. 

Recorded calls that were previously acknowledged and discussed with managers at Capital One have somehow been expunged or deleted from their records. This is a clear and brazen cover-up and needs to be escalated to the executive level immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I began financing a vehicle with Kia Motor Finance in XX/XX/2020 ; first payment due in XXXX. Since then I have paid on time and overpaid, every month. My payment is {$720.00} and I pay either {$800.00} or {$1000.00} every month so I can pay the loan off quicker. These payments appear on my Kia payment history so I know theyve been received by the company. 

I received a Notice of Default in the mail threatening to " exercise their rights under the law '' which I take to mean collections. I have an impeccable and unblemished credit history so this is infinitely frustrating. I called Kia Customer Service about two weeks ago to request that my extra payment money be applied to the principle balance. I assume this representative inadvertently messed something up with my account because that triggered this Notice of Default. Kia 's financing website is outdated, useless, and barely functional which is why I couldn't just opt to have my extra payment applied to principle to begin with. 

I attempted to call the number on the notice last night and the rep told me she wasn't equipped to handle my inquiry. She told me to call back between XXXX and XXXX. I called back and spoke to another representative who ( apparently ) was also not equipped because he transferred me and was on hold for an hour and 20 minutes before the call dropped. I spoke to two more representatives that same day and the final one seemed like she would be able to help me, but my account is still showing as overdue. A manager was supposed to call me back and never did. I have also filed a complaint with the XXXX XXXX XXXX that they have ignored.

Not only has Kia Motor Finance managed to XXXX up my account and is jeopardizing my credit history, they are too inept to correct it or to allow me to try and 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 2021-03-26 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: WV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: EQUIFAX, INC.
State: UT

Complaint narrative:
The credit bureaus are reporting a very old Bankruptcy on my credit file and it must be removed. I recently checked my credit and noticed that this bankruptcy was still reporting and this was discharged over 10 years ago. I had sent a previous round of disputes to the bureaus, specifying that it was past the credit reporting limit but it continues to report on my credit. This must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TX

Complaint narrative:
all not mine fcra violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX Account XXXX The information you disputed h

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 2021-03-26 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: TX

Complaint narrative:
all not mine fcra violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX   XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX Account XXXX The information you disputed h

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Credit Technology, Inc.
State: VA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX XXXX I went to Wells Fargo ATM XXXX branch to withdraw {$300.00}. The ATM gave an error sign. I DID NOT RECEIVE ANY MONEY. I took my card out and wanted to make sure there was enough funds in my account before I tried withdrawing money again. MY ACCOUNT SHOWED THAT EVEN THOUGH I HAD NOT RECEIVED ANY MONEY THE {$300.00} HAD BEEN DEBITED OUT. I called customer service on the back of my debit card and filed a claim. They provisionally credited me the {$300.00} pending the investigation. I received a letter on XX/XX/XXXX dated XX/XX/2021, that their investigation was complete and there was no money over at the ATM, no error sign and they were taking the {$300.00} back on XX/XX/XXXX. I went to the Bank on XX/XX/XXXX and spoke with the branch manager XXXX XXXX who couldn't have been kinder. 
He spent an hour on the phone with the ATM investigation unit and they said that I received the money 7 seconds after putting my card in. WHY WOULD I FILE A CLAIM IF I ALREADY GOT MY MONEY. I insisted I see the video footage and they said unless there is fraud they won't look at the video surveillance. The bank manager filed a claim for me and they had ten days to respond. I called today and ( XX/XX/XXXX ) and they said a letter was sent to my home on XX/XX/XXXX ( which I haven't gotten ) that their investigation is complete and they agree with the ATM people. SO I LOST {$300.00} OF MY HARD EARNED AND THEY COULDN'T CARE LESS!!!!!!!!!!

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 2021-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I set up a payment for the amount of the settlement and they took my bank information and set up a payment of the same amount for another date.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: PA

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation