vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX, This is regarding gardner white credit card ( Comenity ). I was charged late payment in month of XXXX. Then I talk with customer representative and he advised me to set auto payment for minimum amount and I followed what he said. Then I thought everything is set then this month I logged in to my account just to see what's going on and saw interest charge since XXXX when I asked the guy said I need to pay more to avoided and I explained what I was told to avoided all these charges and request for refund but they declined. They are lying with the people and putting wrong charges in customer. I want to get my refund of interest charges as this is not my fault. 
Kindly do the needful. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is simply not providing me with a " XXXX '' score. As a result, I am not able to obtain any credit, let alone credit with fair and reasonable terms. According to their site, reasons for not having a score do not apply to me. For instance, not having a credit history, or being deceased. Also, I have a score with XXXX  and XXXX, therefore Experian 's act is unconscionable to say the least.

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 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
I rented a washing machine and it stopped working completely. I had to take all of my clothes to a public laundromat. I contacted the company and they made several repair appointments but never showed up. In turn, I stopped paying for the washing machine and then schedule to have them pick up their machine. They took a long time to pick up the machine and at the same time kept billing me. I told them that I would not pay for a machine that quit working. 
One day I checked my credit report and saw that they were on my credit report as RS CLARK & ASSOCIATES. When I called the company I was very upset and still did not believe I owed them anything but because I am working on my credit when they told me that they would pull the bad report back so I could pay, I decided it was worth it. Only to find it on my credit report but marked as paid. That was not what was agreed upon. The payment manager for XXXX  XXXX  told me that RS CLARK & ASSOCIATES was part of their in-house collection and that if I agreed to pay they would pull the account back and off of my credit report. There was supposed to be no trace of them on my credit report, not even as paid because paid makes no difference in terms of dragging down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX  XXXX XXXX credit card had been taking funds- {$100.00} from my personal checking account monthly for 3-4 months after balance was already paid in full in XX/XX/2020. They continued to do so after I went only to cancel payment plan numerous times. Eventually I managed to call and had them to refund me the {$300.00} back. However, they started to report to credit bureaus in XXXX that my account was late out of the blue and caused my credit score to drop by 30 points. Thats insane. Theres no balance in the account. ( Negative balance actually ). Please help and investigate this. I am in process of getting a car loan. And I have to put that on hold now until I get my score back up

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 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Funding filed a lawsuit against me on XX/XX/XXXX in XXXX XXXX, Alabama. I was never duly served with the complaint and a default judgement was entered against me on XX/XX/XXXX. 

I did not learn of the lawsuit or default judgement until my employer was served with a garnishment order on XX/XX/XXXX. I filed a motion with the court to set aside the default judgement to allow me to answer the complaint. XXXX XXXX set aside the default judgement on XX/XX/XXXX. 

The attorney for Midland did not have any evidence at the hearing to argue the case, so the judge set a hearing for XX/XX/XXXX. On XX/XX/XXXX, the judge set a trial for XX/XX/XXXX. 

On the date of the trial XXXX XX/XX/XXXX XXXX, the plaintiff ( Midland ) did not present any evidence to the court showing that I owed the debt or that they were the owners of the debt. The evidence entered was unsatisfactory to the court, as it had absolutely nothing to do with me. The attorney requested a continuance on the case to allow him time to gather evidence. The judge, reluctantly granted the motion, but stated that he would not allow any more continuances on this case and expressed his displeasure with the attorney for coming to court with no substantial evidence and stated that with his granting of this motion that the plaintiff better come back with evidence. 

After the trail on XX/XX/XXXX, the defendant filed a motion with the court to dismiss the case ( Apparently they had no sufficient evidence ). 

On XX/XX/XXXX, the judge entered an order ; dismissing the case in my favor. 

I have since then filed disputes with XXXX, XXXX  and XXXX to have all traces of Midland removed from my credit. XXXX  is the only credit reporting agency that has adhered to the judge 's order and removed this information. 

Midland should have themselves removed this information, yet they have made me jump through even more hoops to remove something from my credit that I do not owe them. This just substantiates the further harassment by Midland and their cronies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS APPEARS ON MY REPORT AS A RESULT OF ID THEFT : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES ARE ALSO A RESULT OF ID THEFT : XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I HAVE ENCLOSED MY POLICE REPORT AND ID THEFT 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 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The Chase BA credit card offers a promotional statement credit for 3 times per year for {$200.00} credit for a transatlantic reward flight. 

This has not posted 4 months later despite being told it would be a maximum of 45 days. I have sent multiple messages through their website. I have called and spoken to several representatives. I have provided documentation of their own promotion ( which some representatives seem unaware of ) and my flight details. I have been trying to get a resolution for months at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
In 2018, I closed my XXXX account over the phone with a representative because I moved. Few months go by, I received a alert that XXXX reported me to collections for a balance of {$500.00}. I contacted XXXX and found out the original rep that I initially spoke with never cancelled the account leaving it open to accumulate a balance. I advised XXXX that I called in to cancel and I returned the equipment. XXXX validated that the account should have closed and the equipment was received and the account balance would be adjusted. I disputed the debt and it was removed from my credit profile. 

A year later, I received another alert for the same debt with XXXX but with another collection agency. I disputed the debt and it was removed from my credit profile. This year in XXXX, I received another alert for the same debt. I contacted XXXX to see why this keeps getting reported. Nothing was ever adjusted. After, hours on the phone, no one was able to really help me. I had no other choice but to contact XXXX XXXX XXXX through social media which I have in writing that they adjusted my account and the account is at {$0.00} balance. 

This past month, I get another alert for the same debt. I contacted the collection agency and advised them that this is not valid and XXXX should have adjusted the account. I was advised by a rep at the Collection agency that XXXX adjusted the account but left the account $ XXXX cents. The rep advised that since there is a balance left it will still be reported as unpaid. 

At this point, I have made several attempts to resolve this issue and have no resolution. I have no choice but to file a complaint on this issue. I never received notification from XXXX of ever having a balance and was sent to collections multiple times. This inaccurate reporting affected me financially as it lowered credit score. I am currently trying to buy a home and with this inaccurate reporting it is causing me to pay more on my mortgage and my closing costs.

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 2020-10-03 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: NY

Complaint narrative:
The accounts listed below are fraudulent and out dated. The accounts listed here DO NOT belong to me. It has prevented me from obtaining gainful employment. This is supporting fraud and I demand that they be removed immediately. Fraudulent accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX, {$5600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX {$5200.00} ; XXXX  XX/XX/XXXX {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS APPEARS ON MY REPORT AS A RESULT OF ID THEFT : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXXXXXX  OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES ARE ALSO A RESULT OF ID THEFT : XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ENCLOSED MY POLICE   REPORT AND ID THEFT 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 2020-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I contacted Navient in XXXX to recertify my income-driven repayment plan, Pay As You Earn. They did not inform me of the CARES Act, which would have automatically re-extended my IDR PAYE plan until XX/XX/XXXX with a {$0.00} payment. Instead, they sent me multiple emails requesting income documentation. I since spoke with XXXX, XXXX, this week, and I told her that I wished to have my IDR plan automatically extended until XX/XX/XXXX. She told me that it would be automatically extended, per the federal mandate. I then received an email saying that my IDR plan had been approved yesterday. I contacted XXXX, XXXX, yesterday on XX/XX/XXXX. He told me that my plan would begin the following year in XX/XX/XXXX for {$26.00} a month. I told him that this was illegal, that the representatives had illegally solicited information regarding my income in violation of the CARES ACT. I told him that my income could change due to massive layoffs related to Covid-19 and that this information had been illegally solicited by the Navient representatives in direct violation of the CARES Act. I told XXXX to please change my plan to the federally mandated recalculation date of XX/XX/XXXX. I told XXXX that it was not legal. This morning, on XX/XX/XXXX, I received an email saying that I had payments due in a week. 
" Your calculated IDR plan payment amount : {$26.00} Plan begin date:XXXX Plan end date : XX/XX/XXXX '' The actions that Navient has taken on my account are in direct violation of the CARES Act. Their solicitation of income information when my plan was not due to recertify for another 12 months on XX/XX/XXXX with a recalculation date of XX/XX/XXXX per the Cares Act is against federal law. I have tried to work with Navient, but their representatives lie to me, illegally soicit my income information, and they are in direct violation of the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion, in non-alignment with XXXX and XXXX, is listing my previous address as my current address and my current address as my previous address! This is a problem for it shows a discrepancy on my credit reports which shouldn't exist.

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 2020-10-03 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: NY

Complaint narrative:
The accounts listed below are fraudulent and out dated. The accounts listed here DO NOT belong to me. It has prevented me from obtaining gainful employment. This is supporting fraud and I demand that they be removed immediately. Fraudulent accounts are as follows : XXXX XXXX XXXX  XX/XX/XXXX, {$5600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX {$5200.00} ; XXXX XX/XX/XXXX {$1400.00}.

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 2020-10-03 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: GA

Complaint narrative:
Transunion File number : XXXX Date issue XX/XX/XXXX XXXX claims I owe them {$450.00}, I am not told what I owe for. They claim the insolvency is less then 2 years old. I have been a customer of XXXX since XXXX and before that I was a customer of XXXX XXXX XXXX. I have asked Transunion to open an investigation. They said the charges were valid and less then 2 yrs old. I asked them if they show any proof and the reply was no they just sent a statement. So I asked them to open another investigation and to please ask XXXX how my phone number under XXXX service can be under their services ( which I have neither solicited nor agreed to ), The second investigation came back with the exact same result as the first one. I could pay it to make it go away ( I hear friends ended up doing so ) but it is morally wrong. I feel like I have been blackmailed. I was unemployed and have worked hard to repair my credit and Transunion seem set not to allow my credit to go over the XXXX mark

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 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have had this card for years. I pay it in full every month by using the AutoPay feature. 
In XXXX, I changed bank accounts. So I updated the account on their web portal with the new bank account information. 
The charges for XXXX and XXXX were deducted from my new bank account correctly. 
Then Fidelity did a system update in XXXX. After that, they pulled out my old bank account information and tried to get the XXXX payment from that account. Obviously, the account was closed by then and the payment came back. 
Now, for months, they put hold on all my payments. This was their mistake but they refuse to work with me to fix this. 
Every time, I make a payment, I have to call their customer service to get the hold released. 
This is unacceptable.

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 2020-10-03 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:
The accounts listed here MUST BE removed because they do not belong to me. I demand they be removed now because they are fraudulent accounts. This is supporting fraud, if the credit bureaus do not removed these accounts I will file a lawsuit. Fraudulent accounts are as follows : XXXX XX/XX/XXXX, {$120.00} ; US DEPT OF EDXXXX XX/XX/XXXX, {$1100.00} ; US DEPT OF EDXXXX XX/XX/XXXX {$640.00}.

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 2020-10-03 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: PA

Complaint narrative:
The accounts listed here MUST BE removed because they do not belong to me. I demand they be removed now because they are fraudulent accounts. This is supporting fraud, if the credit bureaus do not removed these accounts I will file a lawsuit. Fraudulent accounts are as follows : XXXX XX/XX/XXXX, {$120.00} ; US DEPT OF EDXXXX XX/XX/XXXX, {$1100.00} ; US DEPT OF EDXXXX XX/XX/XXXX {$640.00}.

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 2020-10-03 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: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Fraudulent charge made to my Chase credit card : XX/XX/21 XXXX XXXX XXXX UT XXXX I contacted Chase, reported it as a fraud. Chase issued new credit card and credited my account. 

XX/XX/21 XXXX XXXX XXXX UT XXXX Chase issued letter indicated purchase was not fraud. 

I contacted Chase and they continued their review. 

Contacted by Chase indicated they have completed their review and determined the purchase was not fraudulent. Chase did not provide any additional information to me as to how this determination was made. 

I attempted to contact the vendor using the phone number listed with the purchase ( see above ). A recording. Number is a Utah phone number. I live in Idaho. I have not been in Utah in 5 years. Also, the recording is for a baseball team in XXXX DC. I have not been in XXXX DC in years.

Company response to consumer: Closed with explanation