vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I opened an overstock credit card through comenity bank in XXXX. 
I made purchases in XXXX and XXXX totalling {$880.00}. 
I made payments totalling {$1500.00}. 
I was charged {$980.00} in late fees and {$720.00} in interest. 
The current balance on the account is {$890.00} which represents fees only as I have clearly paid for my purchases and additional {$670.00} on top of the purchase total. 
This is loan churning, relentless loan cycle, constantly charging interest fees and late fees without reducing the principal amount of the loan. 
I have not made a purchase on this account since XX/XX/XXXX. 
I refuse to pay any more money to this bank. 
I contacted them two weeks ago and have had no response to my request to XXXX out this account immediately and update the credit bureau immediately so this negative impact can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-04-23 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander Consumer sold a retail loan on the XXXX XXXX that was a recalled car for a 25 % interest rate and it was predatory lending. The loan went into default and the asset was recovered by the creditor. I was not given the date, location, and time of the sale and was never given the option to bid for the car at the final sale. Its violates the sales Article 9, under Section 9-612 ( b ) of the Uniform Commercial Code, a secured creditor sends notice in a reasonable time frame if the notice is sent after default and at least 10 days before disposition and Section 9-613 of the Uniform Commercial Code and Section 9-614 of the Uniform Commercial Code. Article 9 demands that a secured creditors sale must be reasonable in every aspect, including time, manner, place, and any other terms. Furthermore, a secured creditor is required to provide reasonable notification of the sale to the debtor. The creditor is now charging a debt collection of {$3000.00} after they got the asset and sold it, this is commercially unreasonable and wrong. There is no verification by the creditor that I was given notice of the sale of the car and who it was sold to. Creditor gave no verification that I was ever given notice of the sale that is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My credit card has been compromised multiple times with the company Synchrony Home. 

FIRST TIME : I didn't even receive a credit card, it was some stolen before it even reached me. I noticed that there was a crazy amount of charges within the first couple of weeks after opening the card. I called to report the fraud and get the account closed with a new card sent. The individual that had my credit card was able to access my account via phone and change the personal info. I requested that synchrony correct the personal information and expedite a new card to me .... a week goes by NO NEW CREDIT CARD ... low and behold they never corrected the address and sent a new card to the individual making these fraudulent transactions. Where the individual made more fraudulent transactions. - It took 3-4 weeks to get a new card sent to me and almost 3 months for the fraudulent transactions to be removed from my credit card. 

SECOND TIME : ( MOST RECENT ) An outside individual somehow was able to obtain my Credit Card # and able to access my account via phone with a customer service agent and make changes to my personal information ( address/phone # ). This individual was also able to request that a new credit card be sent to the new address. If it wasn't for the email I received regarding the changes, I would have never known. I asked if I could add a security question or pin to my account for extra protection. The lady stated they do not " do that ''. 

My complaint with this company is that they do not have additional security in place to stop an individual from gaining access to an account. Anyone can gain access to an account by solely providing the account number ( aka credit card # ). 

Their way of fixing an issue is closing an account and sending a new credit card to you .... if they have the right address on file. If not, you will be repeating the same steps all over again.

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 2020-04-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted Experian regarding several Bankruptcy dismissals that should be deleted on my credit report, but I have yet to hear from them. Although it is their policy to keep reporting Bankruptcies that are filed/ discharged, the Fair Credit Reporting Act mentions nothing about dismissed Bankruptcies ( section 1681c ). Any case, civil or otherwise, which is dismissed no longer exist in the eyes of the law, so they  have no right to maintain information which the Government has deemed nonexistent. I am asking them to send me in writing proof to their claims that Bankruptcies that have been dismissed can not be removed for 7 to 10 years or I will be forced to take legal action. It may be their policy but the law says otherwise, and they should obey it.

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 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I noticed unauthorized charges in my account. This charges occurred in 2 different accounts. A credit card and a debit card. I won the claim on my credit card but my bank even though they reactivated the claim they still holding my funds hostage illegally. I have proof of the fraudulent goings in XXXX  like adding my payment method without my permission. I have pictures of what they are doing and ignoring my complains.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of XXXX after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of XXXX  after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: LEXISNEXIS
State: TX

Complaint narrative:
Given the options, this track was the one that " best '' fit my issue. Neither I nor my mother have a student loan. On XX/XX/2020, Navient ( XXXX ) called my XXXXyo mother, whom I have POA over, as a hip-shot approach seeking info regarding XXXX XXXX, acct # XXXX. The caller ID 'd himself as XXXX, Employ ID XXXX, on a voicemail. When that failed, he proceeded to call me and left the same voice mail. I called to find out info about this issue and was told my info was obtained from LexisNexis ( XXXX ) and this was an attempt to locate XXXX XXXX, acct # XXXX over a student loan. We do not know XXXX XXXX, acct # XXXX and this is the 2nd time this type of call has occurred in as many months. I feel this is a violation of the DNCR, harassment, and abuse of information. I have since restricted my info at LexisNexis and noticed them of my concerns that their info of my family is being abused by XXXX. I have expended at least 2 hours of my time thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX XXXX  stated to me to pay the balance of {$170.00} to XXXX in which i paid with no response proof provided as attach below

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 2020-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I received a tuition answer student loan of {$4100.00} from Sallie Mae while attending college at a set rate, and Salliemae transfer the loan to navigate. Although I am making payment on the loan, the amount owed keeps going up due to the loan servicer constant increase of percent of the loan rate. My balance since 2007 still shows {$2500.00} ; although I have paid over {$5500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I accepted a service from XXXX XXXX a few years ago and upon receiving the service I was unable to access the service, I called repeated complaining about the lack of service and I kept getting a run around from the company so I decided to tell them to disconnect the service. 
After which their customer service rep constantly called me to pay for a service that I didn't get the use of, I refused to pay the {$260.00} so on XX/XX/2017 they sent my account to collection company EASTERN ACCOUNT SYSTEM, I have tried to dispute this many times but they keep reporting to the credit Bureau, this obviously affects my credit, I have been unemployed for almost 2 yrs and this bad report doesnt help my situation. 
Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On the XXXX of XX/XX/2020, I went deposit {$900.00} to my checking account ( TD Bank ) there were few people inside of the bank but did not allow anyone inside of the bank, I was using the Atm to do the deposit the Atm took the {$900.00} plus the Atm card i knock at the door for someone to come and help me they don't want to come out, after 5 minutes one of them open just to hear what i have to say, i explained to her, said she can't help me they can only file a claim for me but she can't do it cause it Saturday, she went to check if she can get the atm card, came back say she didn't find the card went for a 2nd time came with my atm card i asked about the money said she does not have access to open the Atm machine, ok i call Td bank did the claim, they told me it's will take 5 to 10 business days to get the money back on the XXXX of XXXX they only deposit {$440.00} to my account, when I called them said that's the only money they can give me, so they did an other claim on the XXXX of XXXX I received a mail on XXXX of XXXX said the claim is dined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX, my mortgage was supposed to be paid through USAA 's bill pay service from Account A.  The same day, I had scheduled a transfer from account B to Account A for the exact amount of the payment. Due to some kind of mixup, the mortgage was paid out of Account B. 
Rather than pay the previously scheduled mortgage payment out of Account B, my bank first initiated the internal money transfer from Account B to Account A, thereby leaving Account B with insufficient funds to pay the mortgage, and triggering a {$29.00} insufficient funds charge. 
When I discovered the problem on XX/XX/XXXX ( the previous day, my bank showed the mortgage payment had been " completed '' on XX/XX/XXXX ), the bank told me that there was nothing I could do to expedite my payment to my mortgage lender, and I was left to initiate a new payment to the mortgage lender out of Account A. 
On XX/XX/XXXX, I discovered that the mortgage lender had reinitiated the original payment from Account B, resulting in me paying my mortgage twice. 
When I asked my bank to reverse the payment, due to my having to pay a number of other bills with the money that went to my mortgage lender, USAA opened a dispute but said it could be weeks before it was resolved. I called my mortgage lender, which agreed to refund he second payment to my USAA Account A within a matter of days. 
My mortgage lender told me on XX/XX/XXXX that it had completed the refund to USAA on XX/XX/XXXX. However, USAA claims to have never received any refund. 
I made a complaint with USAA, which tells me it may take up to 45 days to resolve the issue. 
In the meantime, I am missing enough money that I will not be able to make my mortgage payment on XX/XX/XXXX. Meanwhile, USAA informed me on XX/XX/XXXX that it canceled my XX/XX/XXXX complaint at my request, which is untrue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
I received a gift card for {$500.00}. XXXX XXXX XXXX card. The expiry date on the card is XX/XX/22. I have been trying for more than a month to activate this card but where ever I try the systems tell me that the card has expired. I have written to their customer service with no response. I have called them almost daily and held on for hours and hours to speak to someone with no response. In most cases, the call is cut off while holding.

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 2020-04-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  Credit card was used at gas station XXXX XXXX XXXX, XXXX, Texas XXXX. 
Skimmer device was used to copy the data of credit card and make unauthorized fraudulent transaction at multiple gas station in XXXX, XXXX, XXXX and XXXX. Texas for various amounts. 

XXXX police department was informed and a skimmer device was found at gas station where the card was initially used on XX/XX/XXXX. 

XXXX police department asked me to file a complaint at FTC.gov.

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 2020-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have gone through an identity theft situation within the last few months and i have been doing everything to clear this misinformation from my report as it is affecting me during these hard times greatly. someone tried to open accounts with different banks using my name. I have filed many paperworks with the bureaus to no avail. thank you.

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 2020-04-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was informed by Citibank that they closed my credit card account. I have always been an excellent Citibank customer since XXXX when I opened this account and I have always paid my account on time. When Citibank closed my account, it hurt my credit score because there is a significant balance on this account. I am very aware that as much as 30 % of my credit score is  based on the relationship between my credit card balance and my credit card limit. The action of Citibank closing this account caused me to be significantly over my credit limit, because there is no longer a credit limit reported on this closed account. 

This is very upsetting to me because during this difficult time with Covid-19, I am trying to secure financing for my business and the action by Citibank in closing my account hurt my credit score and is hurting my ability to receive the financing that I need to sustain my business in this most difficult time. 

During my phone conversation with Citibank on XX/XX/XXXX, they informed me that the reason they closed my account was because they attempted to draft my checking account for the minimum payment due on XX/XX/XXXX and XX/XX/XXXX but were unsuccessful. Once I learned of this error, I called Citibank and cleared up the problem. Again, I have never been late. 

I really don't understand why Citibank would do this to me during such a difficult time as Covid-19 when I am trying to keep all my bills current and keep all of my employees on payroll.

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