vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Bank is not helping me resolve this matter and when I was asked to call, I can't get through because I no longer have this card ( I cut it up after paying off ) and I am lost in a sea of automated voices. 

In XX/XX/2020 I paid this credit card in full and did not use it since. In XX/XX/2020 I was charged for some " club '' that I did not want or authorize and it was for a sister brand of this store card. The amount was {$19.00}. Shortly after that I was charged a {$19.00} late fee. Then I was charged the minimum finance charge of {$2.00}. Then the following month I was charged {$35.00} in late fees and another {$2.00} totaling {$77.00}. 

I did not receive any indication from Comentiy that I had any balance - that is until XXXX XXXX  emailed me to tell me I had an over 60 day non payment entry on my credit report. I logged into XXXX XXXX and could not find anything over due. About a week later an unidentified phone number who did not leave any message. I googled the number and found that it was XXXX. I then attempt to log into XXXX and found the above situation. To recap : Charged for some club I didn't join, was charged numerous fees and finance charges yet did not receive a SINGLE notification from Comentiy that I owed anything. When 5 months later they finally call me NO MESSAGE! I wasn't even offered the opportunity to pay or dispute this before they reported me to the credit bureaus and these charges are growing every day. 

I contacted them through email and was told to call them, I call them and can't get through to a human, emailed again and I'm back to the start. Can someone help me resolve this? I should have canceled these store cards once I paid them off but didn't want to hurt my credit score. Little did I know it would be ruined by them anyway. I pay my bills and had I known about this charge would have resolved it immediately not 4 months later. I feel strongly Commenity bank operates under unfair and deceptive business practices and this is certainly not the first time I have had billing/fee issues with Comenity. I have lots of credit cards and none of them let someone rack up charges without telling them then report them to the credit bureau. XXXX will call you if you are a week late on payment! 

Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Back in XX/XX/XXXX, I won a chargeback against a company called XXXX for {$70.00}. After multiple phone calls, XXXX admitted that I won the dispute, but they never issued the corresponding credit to my account. On XX/XX/XXXX I called XXXX again and they indicated they would escalate the case to their disputes department, and I could expect the credit in XXXX days. A month later, the credit had still not been issued. On XX/XX/XXXX I called XXXX once again and was told a follow-up would be created and the credit would be issued in XXXX hours. As the final deadline has passed, I am submitting this complaint.

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 2021-03-10 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CITIZENS BANK Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** ... XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Payment was made and acct paid and it still show delinquent on file and has been taken off of other credit bureaus and not XXXX XXXX they wont take it off I have tried several times and its almost impossible and they want you to pay XXXX dollars for service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Calls constantly before XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
On XX/XX/2020, I faxed a letter to American Honda Finance after a conference call with their service representative, and a representative from XXXX XXXX of XXXX XXXX. The letter and call were designed to explain to American Honda Finance that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX ) made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off Honda . The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, XXXX, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

XXXX  has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA XXXX or XXXX has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against XXXX and XXXX : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I have purchased Cashiers checks from Bank of America, to pay for my XXXX XXXX, on XXXX and XXXX,. I have contacted the bank to research the checks and send me a conformation. 

the bank sent me a letter, that these checks were never being issued, and there are no transactions reflecting their purchase. 

contrary to the bank statement, I have the copy and proof of purchase. 

Thank you,

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 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westhill Financial
State: CA

Complaint narrative:
On XX/XX/2021 this company debited XXXX from my checking account without my authorization for XXXXXXXX XXXX. Contacted XXXX XXXX and this is not company they told me to contact about my account. This was unauthorized debit from my account from Westhill LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX  Inquiry : XXXX XXXX, XXXX, ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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.

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 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
After filing the complaint with CFPB on paypal they limited my account and a warning pops up saying I can no longer use Paypal. No email no letter nothing ' happened at all. Then I left 3 messages thru the my paypal and no response and so I called waited a hour on the phone and the same lady that answered just days before that would not help me hookup my debit card to my account and would not let me talk with a manager for over 10 minutes of me asking for a manager and her saying they can do nothing finally she got a manager and I told him about he and how rude she was for no reason and he helped me hooked up the card and said he would talk with her. Well it was only 3 days later my account was limited and nonusable no email no nothing so when I called the second time she put me on hold and never came back and never got another dept she said I needed to talk with. She is being nasty for no reason other than she was rude to me and now needs to be talked with again. This is harassment 's and I still cant collect my refund/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: C/C Financial
State: FL

Complaint narrative:
I made a purchase of a king bed and mattress at XXXXXXXX XXXX and I use preferred lease as the financing company for the purchase. Now, XXXX gave me items that is broken and I tried over and over to talk with a representative from preferred lease to resolve the issues and every time they transfer me to a number that never answers. I made a XXXX review about XXXX XXXX  in order to get the issue resolved, so they sent a service guy over my house three weeks ago to fix the bed but he never fixed it and he also showed up with no tools to fix the broken frames and railings. 
Now, it supposed to be if a merchandise is defective that the leasing company will work with you. Instead they are keep writing me that my payoff is due on XX/XX/2021 but yet I can not reach anyone to talk with and see how they can help with this issue.

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 2021-03-10 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: OK

Complaint narrative:
I have a loan with regional finance. XXXX XXXX is a he primary on the account. Regional has contacted my husband XXXX at his work number 6 times now. Every time they call him I call them back to let them know not to call his work number. XXXX stated she has removed the number and left notes but this is what is say to me all 6 times. I understand courtesy calls but the loan is only a day or two behind, and if the loan would be past the ten days they give them I personally give them a call to let them know. This issue has caused problems at my husband XXXX job. If he losses his job because of this then how would be able to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Priority Recovery Law PLC
State: MI

Complaint narrative:
Signed up for classes on XX/XX/XXXX at XXXX XXXX College Grandmother suddenly passed away on XX/XX/XXXX and I was struggling with the loss and classes XXXX XXXX XXXX College website to explore options Website indicated I could withdraw classes if an immediately family member passed Withdrew classes XX/XX/XXXX indicating the reason as described on their website Received invoice on XX/XX/XXXX for {$1700.00} indicating I should call to set up a payment plan I reached out to XXXX XXXX, VP of Student Services indicating I follow the process on their website and expected them to remove the debt XX/XX/XXXX Received email confirmation that XXXX would review the case and get back to me when classes resumed Received email back stating I was denied the removal of debt XX/XX/XXXX My Aunt and I tried to resolve the debt collection and work with XXXX XXXX College and we were not successful, we were not satisfied with the rationale as to why the debt would not be removed XX/XX/XXXX My mother and I called again to let them know our position was to have this debt removed in the summer of XXXX after multiple threating letters and I felt harassed To ensure my credit was not impacted, I filed a dispute with all 3 credit bureaus XX/XX/XXXX The dispute was sent to XXXX XXXX College and / or XXXX collection services their position was I owed the debt and would not be removed Debt was turned over to a XXXX Collection services, a XXXX XXXX agency, my aunt and I again reached out and tried to resolve the issue, no resolution The credit bureau did mark the debt as disputing Received another threatening / harassing letter from Priority Recovery Law PLC, XXXX XXXX XXXX indicating I needed to respond within 30 days to avoid negative action XX/XX/XXXX My aunt and I called the Priority Recovery Law and explain all of the information above to XXXX  at the law firm. She indicated that she would discuss with the attorney - we did let her know we are filing a formal complaint with CFPB and XXXX. XX/XX/XXXX The new amount owed is {$1700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 like to file a complaint for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I have reached out to these companies for more information to no avail. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review and removed this fraudulent information from my credit report immediately.

Company response to consumer: Closed with explanation