vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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: NJ

Complaint narrative:
This alleged account XXXX CARD XXXX was not owned by XXXX CARD on XX/XX/XXXX this account should not be considered late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please prove that this account was in fact able due for a payment on those dates, and prove that the owner of the account had legal right to collect payments for those alleged late dates. The account was charged off and closed XX/XX/XXXX. 

Also, in violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ), JPMCB card did not notify me that such negative information was being reported when they furnish the negative information or within 30 days of furnishing it to Experian. I became aware of this alleged debt after accessing Experian in XXXX. 

Also this account is in violation of the 7 years on record. This account per screenshot provided in this complaint and generated directly from the Experian website was reported as past due in XX/XX/XXXX. XX/XX/XXXX was the first time the account was reported 30 days passed due. Which means all negative remarks and account should have been removed from the report XX/XX/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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm sending in the additional documents you guys needed to locate me in your system from the last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX my fiancee and I went to the Zales store in XXXX County in the Mall. We purchased a diamond engagement ring in excess of {$5000.00} and applied for a store credit card for {$3000.00}. We financed {$3000.00} of the ring and paid cash for the remainder. We have made our payments and have paid over {$2000.00} in payments over 2 years. The last time I looked at my balance it was under {$2000.00}. We kept making payments and just last week my husband was going to purchase a birthday gift for me and it said he had no credit which was alarming which in turn encouraged me to go online ( that's how we pay monthly ) and pull the full statement to see what was wrong. It was then I noticed we had been charged over {$80.00} a month in interest and a fee of {$1200.00} on XX/XX/XXXX when our balance shows was {$1900.00}. I called the store to inquire as to what was going on since I know we paid over {$2000.00} in payments already. They told us today that we had a promotional credit card with no interest for 18 months. Without any disclosure to us that on XX/XX/XXXX we would incur a fee int he amount of {$1200.00} for back interest. As we have been paying the bill monthly we saw interest coming out monthly but all of a sudden our balance shot back up to the original purchase amount. I attempted to resolve this with Comenity Bank/Zales and they were very rude and accused me of not making myself aware and checking my statements monthly. They asked for a manager and was given " XXXX '' and she was increasingly frustrating to talk with. Very short, rude and accusatory blaming us for the misunderstanding. Of course, we assume it is written in fine print somewhere but it was never disclosed verbally to us that had we not paid the purchase off in full in 18 months that we would be charged back interest at over 29 %. To us we feel extremely violated and robbed of our hard earned money. We are paying this card off immediately but felt it necessary to make the Federal Trade Commission aware of their misleading advertising and clear disclosure of such a scam. 

Thank you for your time and consideration. We just don't want this to happen to anyone else in the future. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue 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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the bureaus to remove this issue 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 2020-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mortgage company, Bank of America, is reporting me late for the month of XX/XX/2020. I WAS NOT LATE. I sent my normal payment and they held the payment and did not apply it due a dispute that I am having with a home improvement program that I used to upgrade my home. The home improvement company added their entire principal and interest payment to my property taxes which caused my payment to double. I was in the process of applying for a consolidation loan with Bank of America to payoff the home improvement company and was advised to continue making my regular monthly payment. They late reported caused my credit score to drop below the required minimum which has caused them ( Bank of America ) to decline my loan until I can get my score back up. The reported late caused my credit score to drop by 74 points.

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 2020-05-20 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I initiated a 0 % balance transfer with Wells Fargo in XXXX of XXXX. I have since been using the card for some purchases. Every month I pay the minimum balance and the additional amount I charged on the card for that month. Wells Fargo is applying both my minimum payment and the additional payment to the 0 % portion and not toward the higher interest rate of 22.15 %. The Credit Card Act of 2009 mandates credit card companies to apply the payment above the minimum payment toward the highest interest rate. Instead they are applying to the 0 % rate, and I keep getting charged interest every month.

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 2020-05-20 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 have a Walmart Credit card through Capital One and when the Pandemic hit and I lost my job I called them and they waived the interest for XXXX I was very grateful and thought things were going to be ok moving forward. However I am one of them that has not gotten their unemployment yet and noticed that for the current month I was charged interest at a very high rate. I have not used my card since the pandemic started and now I am accruing charges and my bill is going up. I called on XX/XX/XXXX and a representative told me not to worry that I would not be charged interest again for this month and moving forward I would have to call every month and keep them updated. I get my statement the next day and it has interest on it and I called in spoke to a lady named XXXX who claimed to be a head supervisor and she said there was nothing she can do that the policy changed and the interest had to stay. How is that working with a customer or anyone for that matter. I would like for this to be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 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: AK

Complaint narrative:
My account with XXXX I have closed my secured cc account. I contacted the CU and everything is good on there end. However, Experian and XXXX  are still reporting that I have a late payment in their systems. XXXX  is the only one with the correct information.

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 2020-05-20 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: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
I had and account with XXXX XXXX that was opened on XX/XX/XXXX I have satisfied and closed on XX/XX/XXXX. I have called to have them remove a late payment that is posting on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TN

Complaint narrative:
I HAVE ASK EQUIFAX TO REMOVE A ACCOUNT THAT DOES NOT BELONG TO ME THEY HAVE NOT FORWARDED ANY INFO OR PROOF THAT THIS ACCOUNT IS MY ACCOUNT THIS IS HOLDING ME UP FROM MOVING FORWARD WITH MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
XXXX BMW Financial Services/XXXX , Ohio- I filed a dispute based on my car loan being reported as 30 days late numerous times after I had obtained an extension on my loan. My vehicle was paid off in XX/XX/XXXX. 
XXXX BMW Financial services retaliated against me by reporting me again to XX/XX/XXXXCredit bureau based on my dispute. 
XXXX I called BMW Financial services, to ask them why they reported me again as delinquent, when my car was paid off in XXXX. They stated that since they had to correct the information on my report, they did another review. On further review this was not correct, so they had to report me again. I understand that during these difficult times customers are unable to pay their car loans, but I find it very egregious of BMW to do this, what would be the point of this kind of behavior towards a customer that had paid her car loan completely. To date, BMW has not agreed to correct this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-20 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 EXPRESS COMPANY
State: NY

Complaint narrative:
After reaching a debt settlement agreement in XXXX XXXX XXXX XXXX court, I commenced with the payments to American Express as scheduled. For the final payment, they applied my payment to the wrong account and commenced collections on that account as a result. I have repeatedly submitted check images, court discharge paperwork, records of all payments, and fulfillment of my debt to American Express directly, to all 3 major credit repositories, my credit counselling service ( XXXX XXXX XXXX  ), and to my legal counsel ( XXXX XXXX XXXX XXXX ) who claims to have confirmed the error with the opposing counsel at American Express. However, American Express has claimed a non-payment penalty every 30 days ( without sending notice to me ) for several years, reports non-payment and increasing outstanding balance to the credit repositories, and refuses to comply with the court ordered settlement agreement. My counsel doesn't respond to my inquiries. The credit repositories always find my requests for investigation in favor of American Express. With 3 years with a constant non-payment on my record, I have been denied refinancing my mortgage and increasing my credit limit with my remaining accounts multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank of America checking account, held jointly with my deceased husband, is frozen. I called and sent a letter ( on XX/XX/XXXX, submitted as a PDF ), but my account remains frozen without justification or explanation.

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 2020-05-20 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: AK

Complaint narrative:
My account with XXXX I have closed my secured cc account. I contacted the CU and everything is good on there end. However, XXXX  and Equifax are still reporting that I have a late payment in their systems. XXXX  is the only one with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received my PIN for myreliacard to receive unemployment benefits on XX/XX/2020. 
Ive yet to receive the actual card and its been three months. Ive called the hotline and sat on hold for over two hours countless times. I called department of labor and they said they could not help me I had to contact the card company directly.

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 2020-05-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
have to late payments XXXX XXXX first premier and XXXX XXXX XXXX  XXXX sent dispute directly to both companies and dispute wiyh all three credit buearus its been past 30 days no statement from companies have been submitted to credit buearus and buearu did not remove also a have 2 XXXX federal accounts that transunion hasn't removed please remove under the ftc report on those two accounts under the 605 act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I have a carecredit rewards mastercard and I noticed on their website and on the bowflex website they advertised 18 month promotional financing on bowflex products. over the course of two months i made a few bowflex purchases : XXXX XXXX XXXX BIKE {$1000.00} XX/XX/2020 XXXX XXXX XXXX XXXX Kit {$290.00} XX/XX/2020 XXXX XXXX XXXX STOWABLE BENCH {$290.00} XX/XX/2020 XXXX XXXX Treadmill {$2000.00} XX/XX/2020 I used my care credit master card to pay for all these purchases. I have had two statements since these purchases and have been charged interest on all the purchases except for the dumbbell kit and the stowable bench. The only promotional financing i received was on those two products. I have since reached out to both XXXX and care credit/synchrony bank. Both tell me that I must talk to the other company and its been months without any resolution. 

I reached out to synchrony on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I reached out to bowflex on XX/XX/XXXX and called on XX/XX/XXXX and spoke to a supervisor who told me carecredit/my synchrony are the ones who would have to fix the promotional offer not being applied.

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