vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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: VA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I purchased an item from XXXX on XXXX in the amount of XXXX Order # XXXX, this purchase was supposed to be made under there 12 month no interest promotional finance plan. The bank however has placed the purchase under a 6 month promotional finance plan. 

I know for a fact that i selected the extended finance option because my wife originally did the order and i asked her if she did, she said that she didn't remember so i went in and canceled the first order and then did a second one and made sure i selected the extended no interest plan. 

I have attached an image of there website that outlines the purcahse amounts required for each plan. 

I also attached a screen shot through online access of commeity bank the current promotional plan they have me under. 

I also attached the order history from XXXX showing the first canceled order and the subsequent second order. 

I also have attached my correspondences with commeity as i have tried to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Transunion should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  Experian and XXXX  should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-01 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I applied for an American Express Platinum card. After my card was received in the mail, I called to activate it once I received the card in the mail on XX/XX/XXXX, and when I called, I asked if the {$550.00} annual fee was still waived for XXXX XXXX military members and opened it under an XXXX XXXX account. I was told by the employee that yes, the fee is still waived, and that if it wasnt waived by the time the fee was due, then it would later be reimbursed as credit to my account. I have since been in contact with them 10+ times about getting this resolved and have gotten everything from unnecessary transfers to we have never done this even though I know dozens of other military members who have taken advantage of this. Just today, I called again and had them review the phone call where they told me it would be reimbursed, and after that, they told me all they could do was apologize for the miscommunication. 

American Express stole almost 3 months of my take home pay by charging me for this, and I never would have signed up/paid the fee without canceling if they hadnt advertised to me on the phone that they would waive/reimburse the fee. I was informed today that two days before opening my account with them, the policy was changed, yet weeks later, I was still told over the phone that it would be reimbursed. I asked for clarification because I expected to be told the truth, not lied to so that they could capitalize at my expense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is in violation of Public Law 111-24 : it refuses to deliver my credit card statement at all, let alone on a timely basis. 
This is a follow up to my CFPB complaint submitted XX/XX/XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem when making payments. 
The issue has not been resolved. Company says it is " still working on it as of XX/XX/XXXX '' but the solution is simple : TAKE DOWN THE FIREWALL THAT PREVENTS ME FROM SEEING MY STATEMENTS ... i.e.  Chase is requiring that I provide additional " payment '' ( which has monetary value to them XXXX in order to sign in to my online-only access account. They want me to sign over the rights to paper statements on my other Chase accounts. 

I still can not see, now, 2 months of my transactions, and I am unable to ascertain if any fraudulent payments have been made by Chase to vendors. 

Chase is in violation of Public Law 111-24 is the Credit Card Accountability Responsibility and Disclosure Act of 2009. This law requires that " statements must be mailed or delivered to the consumer at least 21 days before the due date. '' CHASE REFUSES to give me my credit card statement or bill, which also limits my ability to exercise other rights under this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
I traded in my XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. They sent the pay off of {$17000.00} to Kia Motor Finance which was applied to my account on XX/XX/XXXX. This payment actually over paid my loan balance which at the time was {$16000.00}. Kia Motor Finance now is holding over {$400.00} of my money as an over payment, and I have yet to receive it back from them. I have contacted Kia literally every day at different times of the day by phone, which I have not been able to reach anyone. Their phone system says no one is available and hangs up on you. I have also sent them messages through their " contact us '' email portal on their website and they have not responded to those email messaged as well. 
I reached out to Kia via XXXX, by posting on their XXXX  page and sending them a message to receive a message back from them saying that they can't help me and to CALL Kia.

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 2020-05-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted the credit bureaus to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to so. I have attached the letter that I sent them.

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The account showed up on my account around XX/XX/XXXX as a collection. When i called the company they stated that i never mailed my equipment from XXXX XXXX XXXX, but i did. I also provided them with the receipt from the post office that the equipment was send to them. After that conversation, i didn't hear from them for 3 months. They ones again stated that i never send this equipment in and attempted to collect money from me in a very aggressive matter. The reason i cancel my account with XXXX XXXX XXXX was because they charged me for long distant calling with out my consent. They spoke to a person in my house and through them they opened and account under my name. They never spoke to me and i ended up just cancelling this account.

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo credit card reduced my available for purchase balance, from information gathered by credit card services that labeled me a risk. 
I have never been late on payments to wells fargo or any other financial institution, I dont feel I was treated fairly. 
When wells fargo reduced my limit they put me over 75 % usage, taking the surplus cash needed to make my account usage bellow 35 %. 
Being over 35 % in usage is negative to my credit rating, This hurt my small business as far as future growth, its more like a handicap. Credit card services has made a niche for them selves by making the banks believe they are providing protection. 
These people dont know anything about me. I lost my job 2008 during the banking failure, my home was being foreclosed, I pulled my home out and paid all my bills due and raised my credit score to XXXX, I did all of this while raising a family. 
I dont know if they broke any laws, They have certainly proved to be adversarial contrary to all things America should be.

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCE CORPORATION
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2020 I had an account balance of over $ XXXX and a payment of {$730.00} labeled " Temp Adj For Covid Stimulus Pymt Access '' was deposited into my Santander checking account. I tried to call the bank several times to figure out where this money was from but their phone lines were so backed up after 30 minutes of holding it would just hang up ( I tried a few times ). I own a small business and have applied for several of the small business disaster loans since Covid 19 has halted my business ( XXXX  XXXX, mostly XXXX  XXXX  ). Ultimately I figured this was part of the Stimulus package from either the Federal Government or my state ( RI ) and carried on. Then on XX/XX/XXXX at XXXX I received an email from Santander bank explaining that the bank had deposited these funds into my account and any account that was overdrawn in order to make sure folks had " full access '' to their government stimulus checks. I DID NOT HAVE A NEGATIVE BALANCE, I DID NOT CONSENT TO RECEIVING THESE FUNDS. And now weeks later ( when it's likely the funds have been used because I'm essentially unemployed due to COVID ) the bank conveniently lets me know they'll be taking these funds back?? This is one of the most predatory moves I've ever seen from a financial institution. Folks should have been notified BEFORE funds were deposited and had a choice to OPT OUT. To dump funds into accounts of folks who are clearly struggling and not tell anyone that it's actually going to be snatched up again in 30 days coincidentally allowing Santander to collect who knows how much more money in additional overdraft fees???????

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 2020-05-01 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes has fraudulently reported a charge-off to the 3 credit agencies for a vehicle lease contract that was satisfied in XXXX 2019. They claim there are excess wear and tear charges I am responsible for. In spite of 8 letters to them, they have failed and refuse to send any documentation to substantiate the exact nature of the excess wear and tear charges. They sent two debt collectors after me. I asked ( in writing ) repeatedly for the same information. I received nothing. They have now reported the account as a charge off and my FICO score dropped almost 100 points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: GA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 90 ) days late on the XXXX COUNTY FCU partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has no money owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CA

Complaint narrative:
I wanted the credit bureaus to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to so. I have attached the letter that I sent them.

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 2020-05-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  and Experian are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has no money owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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