vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
VS CARD XXXX XXXX XXXX XXXX Comenity Bank/ Victoria Secret Credit Card which I have in writing. If a credit increase is granted you DO NOT HAVE MY PERMISSION TO DO A HARD PULL. ONLY A SOFT PULL OR I DO NOT WANT THE INCREASE. I HAVE my full credit avaialable which is {$700.00} I was on the phone for 3 hours with Comenity bank and I spoke to 12 different people. 

XXXX ID number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I WILL BE CLOSING THE ACCOUNT ONCE I RETURN EVERY ITEM I PURCHASED BACK TO THE VS STORE. 

I WANT THE INQUIRY REMOVED ON MY XXXX  ACCOUNT. 

I HAVE PROOF CLEARLY IN WRITING NOT TO PULL MY CREDIT AND ONLY GAVE PERMISSION TO DO A SOFT PULL. WHY WOULD I HAVE AN INQUIRY FOR TWO YEARS WHEN I STILL HAVE OVER {$600.00} AVAILABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CO

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I got charged on interest on XXXX $ Instead of XXXX what I actually owed on my card.My payment saver amount was XXXX In that month.I sent XXXX to them before the due date and I sent XXXX a day later after the due date.They claimed that I owed them interest on XXXX in that month.This company lost my XXXX in this month on my checking account and now they try to rip me off again.This is a Capital One credit card.The rest of the amount what I owe has a special 0 % until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
This item is on my federal but I have contacted the agency they are an able to provide me proof they are a third-party that purchased the debt. She placed me on hold and transferred me to a voicemail after refusing to provide the requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fraudulent charges were made to my credit card and the Capital One is holding me responsible for the fraudulent charges. 
The fraudulent charges were made in XX/XX/2020. I have notified Capital One in writing of my dispute but they are still saying the charges are mine. 
There are {$1600.00} in fraudulent charges. I've disputed the charges by phone in XX/XX/2020 and in writing on XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 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: CO

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my 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 2020-05-26 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: CO

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my 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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
This complanit is about how upset and concerned I feel about not receiving anu response from USAA Savings Bank. Back on XXXX, I sent them a dispute letter with all the proper documentation. I havent received any response or acknowledgment of my dispute. 

The involved accounts are : 1 ) account # XXXX, opened date XX/XX/XXXX original balance {$9300.00}. 2 ) account # XXXX, opened date XX/XX/XXXX, credit limit {$11000.00}. 

USAA is being negligent, unfair, and has committed some other violations to the FCRA, such as inconsistent credit reporting across bureaus, and reporting inomplete information. They have also failed to do the propeer investigation on this case, which looks like is not even a case for them. 

I am demanding the removal of the mentioned accounts. 

Thank you very much, CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NH

Complaint narrative:
Back in XX/XX/2020 a collection was opened for a medical data systems for {$810.00}. this does not seem accurate with any outstanding debt i have. there must be a mistake with whose this is because it is not mine. please investigate this and remove it from my report please

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 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was given payment assistance for COVID 19 in XXXX and XXXX. I was told no interest charges would be assessed in XXXX and if I needed assistance in XXXX to call back in again in XXXX and request it again. I requested assistance in XXXX for my XXXX payment and was told that it had been processed and no payment was due, at no point was I told that interest charges would be assessed for XXXX, and I was not charged any interest in XXXX. So when I got approved for XXXX assistance no interest should have been charged either, I wasn't told I would be charged interest!! So I got my statement today on XX/XX/26 and I was shocked to see interest and in fact in was 35 more than in previous month even though my balance was lower!! So I Called and spoke with XXXX on XX/XX/26 who said that he would he would adjust the interest charges for me since I was not told the charges would be assessed in XXXX, Also he states that he could not figure out why interest was higher because the APR prime rate was lower this month than in previous month and my balance was lower!! So he would adjust it and waive it, when he tried the system would not allow him to waive the XXXX in finance charges or whatever they were and then got very stern and said it wouldn't let him do it so was there anything else he could do, really? Your system wouldn't let you fix the error so you basically just try to pass it off like it didnt happen!!! Then I get transferred to a manager named XXXX who was even worse who states that Cpaital one decided late XXXX to change the policy and start charging interest and she couldn't do anything and basically this was how it was and she couldn't waive the fees that the system wouldn't allow her to do anything either. She basically has the same authority as the previous agent and I asked even though I wasn't told that I would be charged interest and had been previously told interest was waived now you change the policy without telling me verbally or in writing that im out of luck!! She basically tells me because capital one changed the policy there is nothing she could do. Even though my balance is lower and the APR is lower my finance fees are higher than in previous months, how is this even possible!!! She wasn't even trying hear me out on this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a salary overpayment that was due when I left service at Internal Revenue Service. I never received documentation of the amounts owed but my refunds have been offset yearly since I left service in 2016. I have made several inquiries to the XXXX XXXX XXXX to get an accurate statement of any amounts owed and a breakdown of all funds that have been applied. I have tried to get this detail since as recently as a few weeks ago. I have recently seen this account come back on my credit report stating that the account is open and a balance of XXXX. The account is not an open account and was charged off back in 2016. The account should reflect a XXXX balance charge off. The historical data needs to be updated.

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 2020-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
1. XXXX XXXX XXXX XXXX. I have not received any updates or request of more info. When I have saw the charge in XXXX I have called and rude rep said that there is nothing to do. NO ONE EXPLAINED anything. also I have explained that XXXX XXXX   demanded payment for holding truck hostage they made us sign the blank invoice. They just did not let our truck go before we pay them. So they did not provide the service and just demanded the money. I had prove that we had to fix the truck in other show. But looks like Capital one supports this fraudulent activity and did everything by not providing me ability to explain the situation more if they needed. Just waited the time and charged back. 
2. XXXX again same story. NO LETTER WAS SENT TO ME!!!!!!!!! the same thing as with XXXX XXXX XXXX XXXX  Capital one did everything do not provide the ability to respond. I HAVE NOT RECEIVE ANY MAIL, EMAIL, OR CALL. THERE IS NO OPTION TO CHECK THE CLAIM STATUS ONLINE. 
3. XXXX there is no credit posted as of today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My Name is XXXX XXXX ( aka XXXX XXXX ) and I applied for a mortgage through Bank of America with lender XXXX XXXX. On XX/XX/XXXX, he asked for my credit card to pay for the appraisal. However, on XX/XX/XXXX, at XXXX I texted XXXX and said that we want to put the appraisal on hold because we were not sure whether we are moving forward with the home loan because there was a possibility that my husband 's grandmother would need to move in with us due to COViD and we were going to put the home buying process on hold. A On or about XX/XX/XXXX, I saw that BofA charged my credit card {$840.00} ( the charge was made on XX/XX/XXXX ) for an appraisal. I called XXXX and asked for a refund. On XX/XX/XXXX, I received a credit on {$120.00} from BofA. I called XXXX again, he said that they probably did a drive by appraisal and that's why they may have refunded me some of the money, but he's not sure. He said he would look into it for me. 
After going back to XXXX several times, I received a 2nd credit on my card fro {$1.00} on XX/XX/XXXX, which seems like a very odd amount. 

I realized that XXXX was unable to get my refund so I called BofA directly. I was passed around and disconnected several times-no one knew who could help me. After 2 hours, someone was able to give me the process server 's name-XXXX XXXX. They reached out to XXXX on my behalf. I did not hear from XXXX so I reached out to her. XXXX then private messaged me and said the appraisal was completed and any further questions should go to XXXX. That was all she said. I asked when the appraisal was done, but she never responded to me. 
I reached out to XXXX again, he said that the executive director was very angry with him and told him they completed the appraisal and will not return my money. XXXX said the director blamed him for the mistake. XXXX said he got in " a lot of trouble ''. He told me he didn't know if the appraisal was done. 

I messaged XXXX again and asked her when the appraisal was done, why I never got a copy of the appraisal and why the refunded me {$1.00} but she doesn't respond. She diverts my emails to XXXX XXXX stating XXXX will answer my questions. 

I spoke with XXXX today. He said he cancelled my appraisal on XX/XX/XXXX and it seems the appraisal was ordered by BofA on XX/XX/XXXX. XXXX said BofA received the appraisal on XX/XX/XXXX. He said he cant help me any further. 

I never received a copy of the appraisal. BofA will not tell me why they refunded {$1.00} and they are not responding to my private messages either. 

I have filed a dispute with my credit card too. 

The loan # is : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX 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 2020-05-26 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I used my Chase Bank credit card to make an online purchase from XXXX XXXX XXXX for {$1400.00}. A few days later, i noticed that the tracking number was marked delivered, but I never received my order. I first reached out to XXXX to resolve the issue but was met with extreme resistance. I subsequently contacted Chase to dispute the transaction, only to be placed on a merry-go-round. Chase then contacted me and said that " because there is a tracking number, we can not resolve the dispute in your favor. '' I tried to explain that tracking numbers could not be used as proof of delivery without reasonable doubt, and that it was foolish of the merchant to not give strict delivery instructions to the courier based on the high value of the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: MT

Complaint narrative:
This is what the representative wrote regarding issues previously submitted. 

I wanted to apologize that you were given the run-around. That is not our intention in any way, and thats why I wanted to reach out to you, to let you know that you were advised incorrectly. I see based on the notes that the advocate informed you, that we would not be able to work on your accounts if we did not have the complete account numbers. I wanted to advise you, that is not true, and I apologize for that confusion. We do have a specialty team that reaches out to the creditors to locate our clients accounts. 

So after a previous complaint, we received a call from a so-called lender that supposedly can have a loan taken out to cover the debts in question. Now it doesn't make much sense to take this loan when the first company is unable to resolve the negotiations with the original creditors how is the lender going to be able to do it? First, most of the debts have been put on hold until they have been written off by the original creditors and they are being bought by collection agencies who could take pennies on the dollar to resolve. 

Does this make any sense, It sounds like we are being passed off to a third party so the first party doesn't have to honor the original contract but how are we supposed to know. What we do know is we are paying our fees on the said arrangement and what we get in return is excuses and misleading or conflicting info from customer service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I was never given a Home Depot card! I talked to several agents about the situation with no luck of resolving the issue! I had to settle on a credit card that was never issued to me due to negative credit report effecting my 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
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: GA

Complaint narrative:
I schedule a bill payment through my bank 's bill pay service they offer. I specified I wanted the bill paid in the amount of {$200.00} on XX/XX/2020. The item was paid and cleared my account on XX/XX/2020 a day before earlier than I wanted the payment to be completed. Due to the payment clearing a day earlier than I specified it caused an " Overdraft Protection Fee '' of {$7.00} to be charged to my account. I called and told the agent what happened. The agent refunded my fee and then proceeded to tell me that next time this happens I will be responsible for the fee. I said what do you mean I will be responsible. I specified the payment to come out on a specific date and my own bank cleared the payment a day early. How is that my fault and why should I have to pay them a fee for taking money out of my account a day early. The agent said sometimes they have to issue a check verse an electronic payment and sometimes they clear early. I don't have an issue with that, but don't charge me a fee. My bank is the one issuing the check, they know how much the check is, they know the check number and they know the date it should clear. They should have their systems programmed to catch and handle these checks differently verse putting the responsibility on the customer who has taken responsibility for specifying the date they want the item to clear in the first place. Since my bank controls both ends of the transaction there is no reason they can't control if a fee is charged or not. Why make the customer do all the work. How many people aren't checking their accounts and being charged needlessly because the bank is to cheap to program their systems to handle the transaction correctly. I am sure their is probably an attorney out there who would love to try and argue a class action suit for improper charges.

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