vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX card inquiry on XXXX-Comenity Bank/XXXX inquiry XXXX XXXX inquiry on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: MD

Complaint narrative:
I checked my XXXX credit score and it dropped 13 points for no reason. All my accounts are paid on time, I monitor my score monthly, and Im paying off items. My score should be increasing but instead it went down 13 points with no explanation or notification. Im currently in a class action suit against Dept. of ED and my accounts should be in forbearance but thats not reflected on XXXX report. They are destroying my credibility Ive sent them numerous of notices requesting the information be updated. Same thing happened with my Equifax credit score, instead they dropped me 70 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On XXXX XXXX Navient sent a fax to my job exposing my social security number to several fellow employees. I did not OK this form of communication and I find it pervasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an account statement earlier this month from Home Depot.  The items were charged from XXXX and XXXX of this year. The total was {$4700.00}. I did not receive the products or services from Home Depot. I received billing in XXXX of this year. I subsequently phoned Home Depot to file a complaint. Home Depot did not accept my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Service Finance Holdings, LLC
State: FL

Complaint narrative:
I submitted a complaint about Service Finance Company LLC on XX/XX/2020 ( XXXX ) regarding an incorrect past due on my credit report which caused my credit score to drop down 79 points. This complaint was investigated and Service Finance responded back that a manual error erroneously was reported a past due to the credit bureau and that they apologized to me and have rectified their error. Shortly after that my credit score went back up 76 points which made me happy. Then a week later I received another notification from XXXX  XXXX that Service Finance Company LLC reported me past due again to the credit bureau which lowered my credit score another 39 points. Also, when they responded back from the first complaint they referred me as Ms. and Her. They gave me the loan which I never missed a payment and I have since paid off in full and they mailed me a refund check for {$2.00}. I feel that this company needs to be investigated for bad business practices. Thank you for giving this matter your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX, MN XXXX  XXXX, TX

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 2020-06-29 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:
XXXX XXXX is reporting a balance and negative pay history every month for an account that has an original delinquency date >7 years ago. In addition, this account was included in a chapter XXXX bankruptcy from XXXX and discharged in chapter XXXX bankruptcy on XX/XX/XXXX. The account should be deleted due to its age, but at a minimum it should have been brought current after the most recent bankruptcy and not continuing to report a late payment every month. Equifax replied that they were contacting the furnisher of the info, XXXX replied on the CFPB dispute that it had deleted the account on my reports on XX/XX/XXXX, but it was only fixed on my XXXX and XXXX reports and still remains on equifax. I have notified both Equifax and XXXX and it has been over 30 days with this issue still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I check my credit report frequently, that's why I noticed on XX/XX/XXXX that Bank of America had closed my credit card. They have provided NO NOTICE to me that it would be or has been closed. There is a XXXX dollar balance and we have been practical to limit use of the card except when needed. The account had been open for over 20 years and never had a late payment. 

I called Bank of America to inquire why it was closed and they treated me with great disrespect - indicating that the account was closed and sent to collections. I was shocked as I had paid the card off 2 years ago and was concerned there was a mistake. I spoke to the collections agent who confirmed there was no balance due and the account should not have been sent to collections. He referred me to speak to a " credit analysis '' who I called the next day. 

The credit analyst offered to open a new credit card but refused to reopen my existing account. They indicated that the account had been closed due to inactivity, despite the fact that we have been a long-term, loyal, and credit-worthy customer. 

As a result of their actions, my longest open credit card ( and with fairly high available credit ) has been removed from my credit report. Furthermore, the " remark '' that it was sent to collections appeared on my credit report. Bank of America was entirely unhelpful and dismissive in resolving these concerns. They have yet to mail or email me ANY notice of the account closure - saying only that they have no obligation to perform this simple act of customer service and that a notice " should be '' mailed within 30 days of the closure.

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Due to the COVID-19 pandemic crisis, I was laid off of work on XX/XX/XXXX. Once I realized I would have problems paying my bills I called every creditor, including Home Depot on XX/XX/XXXX, and asked for a hold on the balance of my deferred interest payment that would be due on XX/XX/XXXX. I was told that they did not get direction from corporate as of yet, and did not know if they were helping their customers with their accounts. However, they would have someone call me back or send a message as soon as they knew. I waited a little over a month, and noone called back. I called again on XX/XX/XXXX to ask what ( if anything was being done ), and I was told I would be put on a COVID-19 account assistance and my deferred interest payments would be put on hold, and what was already charged on XX/XX/XXXX would be reversed since I call just days before that. I waited, and it was not reversed. Therefore, I called again on XX/XX/XXXX, and was told the exact same thing and this time the rep ( who was very helpful ) said she went in and did it herself and I should see the change in my balance within a few days. I then received a letter via online, which stated my request was denied. Naturally because I was told that this was handled already I was confused as to what request this letter was referring to, so I called. I was then told that the rep was mistaken and although she said this would be handled ( which I am is on our recorded call ) they would not reverse the {$1500.00} that was added to my account on XX/XX/XXXX as as as well as the {$130.00} that was added on XX/XX/XXXX, and give me extra time to pay the promotional balance that is due, since I made it clear that due to the COVID-19 I was out of work. I would like them to remove this extra interest charge off of my balance, which is lowing my credit score, and give me an extension to pay my promotional balance, so that extra interest is not applied to my account balance in the mist of this global pandemic that has halted my family 's income. Thank you in advance.

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 2020-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
XXXX University ( XXXX ) XXXX TRUE EOS XXXX XXXX XXXX ( XXXX ) XXXX SCAMMER I have a debt with XXXX University and the rep XXXX XXXX stated that they did not sell my debt to anyone. However, a company called EOS and XXXX XXXX lied in order to collect financial information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My mortgage was sold to this company. I have late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. From the very first day, I have had issues with their mobile app. I have for the several months listed above had multiple issues adding a bank account and other issues. I have never had any late payments. I spend more time trying to add a new bank account and having payment returned because the system kept using my old bank information. I am completely frustrated and null to this company. I have asked them to sell my mortgage to another servicer and they have refused. I attempted a dispute to the credit bureau to no avail. I attempted to resolve the issue directly with this company and still no resolution.

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 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TN

Complaint narrative:
.Hello to whom it may concern, Im submitting an complaint on my behalf to dispute a list of transaction ( s ) that happened while having an XXXX XXXX XXXX at XXXX . It is from my understanding that its impossible to dispute transaction ( s ) directly with-you or thats what an agent told me anyways. So, Im asking the CFPB to be involved as a middle-man. I will not be signing any documentation or anything, I would simply just like my funds back from the merchants in which are FULLY HIGHLIGHTED IN THE STATEMENTS I ATTACHED. If you can not draw my funds back, Id like to know how you came to these terms, and your investigation process. I will only answer through the CFPB portal, no calls, no mail, no anything. My Mailing Address & Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN USA XXXX Number : XXXX Thank you very much for your understanding, and prompt response. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANNER CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX processed a refund in the amount of {$670.00}. I was told 10 business days MAXIMUM, they even gave me a transaction/pay ID number for the bank to look it up. Banner bank says they do not have it or have never received it. I have made multiple phone calls to both companies and just keep getting told to call the other. My money can not just vanish.

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 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX shared my personal information with said collections without my consent which is a HIPPA LAW violaton.

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX, MN XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX Ally Financi XXXX, MN XXXX  XXXX, TX

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 2020-06-29 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX who works for a landscaping business in XXXX, PA has a son that has a very similar social security number as mine and he has been unknowingly interfering with my ability to get a credit card because I can not get a credit report with my social security number XXXX or log onto www.ssa.gov. 

I believe that he inadvertently input my social security number as his somewhere around XXXX. 

The last known address I have for him or his son is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX, I made two purchases on Macys.com. I returned most of what I ordered, leaving a balance of {$21.00} on my Macys card. I did not receive a paper statement, and this balance slipped my mind in XXXX and XXXX. On XX/XX/XXXX ( Sat ), I got a statement in the mail indicating that I was being charged {$100.00} in late fees and had accrued {$6.00} in interest. 

The fees were : {$27.00} charged in XXXX, {$38.00} charged in XXXX, and {$40.00} charged in XXXX - all on a purchase of socks for {$21.00}! 

Today ( Monday, XX/XX/XXXX ), I called Macys and after 40 minutes on the phone with a representative and then a manager I was able to convince them to remove two of the late charges ( the {$38.00} and {$40.00} charges ). 

I read that according to the CARD act of 2010, it is not legal for a credit card company to charge a late fee that exceeds the minimum payment owed by a customer. If this is correct, Macy 's has violated federal law with all 3 of the charges to my account. 

Because I don't want to waste more of my valuable time fighting with Macys, I made a payment today for {$54.00} XXXX the amount of my purchase + interest accrued + one late fee of {$27.00} ). I was assured that I will receive a paper statement next month documenting my that these payments resolve my account, which I plan to then terminate. I have cut up my Macys card and will not shop at Macys again. 

As a PS, I would like to mention that I have been a Macys card holding in excellent standing for 13 years. I don't think I have ever had a late payment until now, though the Customer Service representative could not confirm this, as her records go back only 1 year.

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One thinks I am owner of the credit cards past due. I am not the owner of those credit cards. They continue to email me and put it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had several store cards that were issued and serviced by Comenity. These accounts are now closed, and the remaining balances are being paid through a debt management program ( DMP ). I have been making regular and timely payments on these accounts for over a year. Recently, on XX/XX/2020, I called to request payment deferments for these accounts. Though payment deferments are being offered to customers with Covid-related financial hardship, I was told I was not eligible because my accounts are being handled via a DMP. The customer service agents politely informed me that I could choose to not make the payments anyway, but in doing so I could incur late charges and adverse credit reports for the late payments. 

Such policies penalize customers most in need. A payment deferment of 1-2 months would enable me to resume regular payments after I've had some time to find replace some of my lost income, and avoid actions ( e.g. late payments or bankruptcy ) that could further harm the credit I have been working to rebuild. I am filing this complaint in the hopes that Comenity will reconsider their policy and extend the deferred payment benefit not just to me but all interested clients with Covid-related financial hardships irrespective of whether payments are being made via a DMP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am receiving derogatory credit report remarks for an account that does not belong to me. I do not owe this debt in the amount of {$470.00} and I request that this be removed from negatively impacting my credit report.

Company response to consumer: Closed with explanation