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: NY

Complaint narrative:
I have credit card from Wayfair-AlllModern ( " Wayfair '' ) who in association with Comenity Bank had provided 6 months, no interest promotional rates in XXXX 2020 on charges above certain threshold amount. I purchased items from Wayfair on XX/XX/ 2020 and clearly qualified for the promotional plan. The amount paid was {$400.00} and it was fully financed under the 0 % financing for 6 months. I started making payments ( {$70.00} per month ) as soon as I received the first statement. 
On checking my balance in detail, I realized recently that Comenity/Wayfair has been sneaking in finance fees on my account since the first day of purchase in clear violation of the purchase and financing terms provided by Wayfair/Comenity. I was never notified of the promotional plan cancellation or changes in terms. When I contested the charges with Comenity customer service team on XX/XX/2020 over phone call, I was told that Comenity would NOT remove the financing charges as I ( consumer ) had not notified them of billing issues well in time. On top of that, Comenity and Wayfair terminated their relationship with each other in XXXX 2020 and Comenity is now unwilling to adhere to Wayfair 's promotional terms that were provided to the customers. Additionally, Comenity charged me late fee for a payment that was missed on account of issues with auto pay and miscommunication. Comenity has flat out refused to remove the finance fees and waive late fee even after I requested to pay off the remaining balance in full right away. 
This is a clear case of " Consumer fraud '', " Misleading and deceptive business practices '', " False Advertising '' by the financial institution/bank Comenity and Wayfair, especially in dire times of raging pandemic ( Covid ). I earnestly request you to investigate the matter and I am willing to provide related further information in context of the matter. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$3000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. 

DEBIT CARD : 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 monetary relief
Consumer complaint received 2020-12-10 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: NY

Complaint narrative:
Notice of Dispute Im kindly asking American Express to reopen billing investigation for charges associated with XX/XX/XXXX on our account ending in XXXX in particular {$170.00} ( posted XX/XX/20 ), {$130.00} ( posted XX/XX/20 ), {$65.00} XXXX posted XX/XX/20 ), {$74.00} ( posted XX/XX/20 ). 

During this 2020 year weve had numerous issues withXX/XX/XXXX including but not limited to XX/XX/XXXX damaging our shipments on a route, losing few and eventually being overcharged for the shipping services. 

These charges reflect incorrect amounts amount weve been overcharged sums weve never consented to in the first place and were offered different quotes for shipping, otherwise weve would never have considered shipping with XX/XX/XXXXas we dont do anymore. 

Previously weve filed a billing disputes via AmEx website for these XX/XX/XXXX charges and submitted requested supporting documents in a timely manner, expecting that the merchant will either rebute these charges or we will expect a refund. As pretty much any business this year we were busy trying to survive during the COVID-19 challenges and were extremely busy keeping things running. 

We were expecting to hear back from American Express in writing digitally or via mail in regards to these disputes. However recently weve discovered that these disputes were ruled into merchants favor without sending us any note of results of the investigation in writing message from American Express says We have completed our investigation. Please refer to the communication we sent., however we didnt receive any written piece of communication from AmEx in regards to these inquiries nor via the email, nor via the Message center, nor via the US Postal Service to any of associated with us addresses, including but not limited to XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX. 
Its sad but rather confusing that AmEx that publicly supports small business efforts to survive through COVID-19 pandemic, yet sometimes fail to assist us in small but important things get our money back for things weve never consented to such as but not limited to being overcharged. 

Its in an AmEx sole discretion ability to investigate these billing charges and were kindly asking American Express to reopen those billing disputes and consider all the documents attached below. 

Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have a Chime Debt Card. XX/XX/2020 someone Cloned my Chime Card, Chime refused to Investigate. I cancelled my card & a new one was sent. XX/XX/XXXX I used my card at XXXX for a XXXX purchase. XX/XX/XXXX Chime tried to take XXXX Cents from my card called chime 4 times to fix the problem Horrible, Horrible, horrible Customer Service Agents no one can seem to fix the problem the agents are rude liars won't transfer me to a supervisor/manager keeps blaming XXXX I have talked to XXXX 4 times they have no record of them trying to deduct XXXX cent off my card for 6 days straight at XXXX every day I sent a message to chime bot after 4 days no one ever responded. XXXX owns Chime Bank. I need Chime to stop trying to fraudulent take XXXX Cents off my card every day at XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is regarding Venmo. 

A friend mistakenly sent me {$400.00}. Once I saw this, I sent it back immediately. In that timeframe, she panicked and disputed the transaction. This caused Venmo to charge me {$12.00} for a disputed charge, causing the {$400.00} to become insufficient to send back to her. I had {$88.00} in my account and now Venmo has taken my funds. I dont know where they are or if Ill be getting them back. They are ignoring all my emails. It is now about day 25-26. They conveniently dont have any phone customer service. I have text messages from the sender and she is trying to email Venmo on my behalf as well, but has yet to receive a response. 

Her account has been rectified and is ready for use with no funds being taken from her. Im not sure how I have been wrongfully punished for a simple mistake. 

Please help me!

Company response to consumer: Closed with monetary relief
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Due to medical bills that I had in collections ( since removed ) I applied with XXXXXX/XX/XXXX XXXX. and XXXX XXXX XX/XX/XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to medical bills that I had in collections ( since removed ) I applied with XXXX XX/XX/XXXX, XXXX. and XXXX XXXXXX/XX/XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used a 3rd party app to get a hotel room for {$130.00}. Turns out the hotel had no power so they refunded the money. Well bank of america took my money and won't put it back in my account. Their claims department won't give me answers and I get the run around. I spent 3 hrs on the phone yesterday and still got nowhere. Money was stolen from my own bank .they are doing it to everyone .they have to be stopped.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands.

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 — 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:
I placed two orders with XXXX in XX/XX/2020 and opened their store card with Comenity bank to purchase the clothing ( Order No. XXXX and XXXX ). 

The packages were " returned to sender '' for incomplete shipping labels, I never received either packages, or a store card - so I can not provide an account number for the store card. 

I was being passed around between comenity and XXXX  XXXX, seeking a refund for the clothes that I did not receive. 

I requested that the XXXX  look into this and as a result comenity informed me that they would close the account as I have requested. The XXXX  have provided me with your information as I continue to receive bills in the mail, with additional late fees added, I receive texts and calls - even at XXXX XXXX on Sunday  mornings! 

I should not be charged for goods that I am not in receipt of - what am I paying for?! Nor should I pay late fees on these missing items!

Company response to consumer: Closed with monetary relief
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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank / Walmart and XXXX  are reporting an account on the credit report that I have been trying to have updated or removed for specific reasons. My rights are important to me and understanding that they are deliberately ignored is not something that I am okay with. 
There is an account with SYNCB XXXX and this account has a lot of missing fields, inaccurate balance, payment amounts and payment months. I wrote to XXXX  so they can communicate with syncb and all they did was confirm they received the dispute and leave the information reporting. I have a screenshot of the errors and have highlighted them problems. 
An investigation already should have taken place so the account should report accurate and up to date information. There should be no investigation happening now unless they lied about the previous investigations they said they had. Either one still violating the fcra that protects against type of abuse in reporting. This account needs to be removed promptly. I need a response from XXXX  and SYNCB.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have been a discover card holder for 10 years. During the time, my identity was compromised and I repeatedly had problems with usage of my card, name, SSN, among other pieces of information. I hope Discover is doing what they can on their end when it is happening with Discover card. 

On XXXX XXXX, 2020, I received a call from Discover card saying that someone was attempting to use my credit card at a hotel, XXXX  XXXX in XXXX, WA, for {$2100.00}. I informed them I was in XXXX, WA ( 100+ miles away ) where I live and that the charge was fraudulent. Discover closed the account and sent me a new credit card as promised. 

On XX/XX/XXXX, Discover rebilled my account for {$2100.00}, claiming the XXXX  XXXX had my driving license information. I will attempt to contact the Driving Licensing center as soon as I can, but they are very slow at the moment due to health concerns. I believe someone has obtained my information somehow. 

Due to needing to use my credit during the ongoing crisis, I have paid the charge rather than withhold the payment, but I expect Discover to refund me and to look into this. 

I have filed multiple police reports. The latest report number is XXXX ( it contains all the previous information ) with the XXXX, WA Police Department. The officer promised to look into photographs from the hotel. 

I have contacted multiple departments at Discover including the executive department. I keep receiving the same information about XXXX  XXXX having my ID information. As mentioned, my information has been compromised for some time and I can document I was not in XXXX, WA.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 2020-12-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 Commission 's Identity Theft Affidavit. Please delete the items 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 2020-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: IN

Complaint narrative:
I have contacted United Wholesale Mortgage over a dozen times ( Since the Spring ) and they keep saying that they are getting ready to send the escrow payments for my property taxes. Last week, the lady said, " They just sent overnighted it to make sure it got there on Monday. '' So I waited another week and I just called today and they still hadn't sent it out, I don't know what else to do and I'm already really late on my payments. Please help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation