vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, This is about my credit at XXXX XXXX XXXX. I open this account on XX/XX/XXXX for the XXXX of my XXXX year old son that time who's XXXX XXXX  needs to be corrected. That time I really couldn't afford the expenses, they said I have to pay over {$3000.00} to correct his teeth and it would be better to do it while he's still young. They said I can open an account which I can pay interest free for two years, which I agreed. I made every effort to pay this account for 2 years and on XX/XX/XXXX, I received a statement with just a balance of {$200.00}, I made a payment of {$100.00} and on XX/XX/XXXX, made another payment of {$100.00}, I mislooked the XXXX cents. The following statement with the closing date of XX/XX/XXXX- my new balance went up to {$710.00}. They added {$710.00} as " interest charged ''. I was so surprised and called the bank but they said I missed the deadline of the plan expiry date which is XX/XX/XXXX, they said it's a differed interest rate and once I missed the expiry date, all the interest for 2 years will be added to my account. I was really mad, my account has a very low balance and I made it sure that I pay on time and I can finish it on the deadline. I called them XX/XX/XXXX and they said they could't do anything but I have to pay all the interest rate. My balance is just supposed to be only XXXXc which I just mislooked. Please help me, this is a big burden on my family 's finances. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: TN

Complaint narrative:
US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2018-03-04 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In XX/XX/2017, Specialized Loan servicing bought a loan of mine from XXXX. They claim it is a second mortgage/ Real Estate loan on my credit report and the address they continue to report as my property has not been mine for 13 or so years. This is an ongoing issue an accounting error had created issues with what was owed etc. Now in trying to purchase a home, lenders say I have to wait because I defaulted on a mortgage.

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 2018-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a {$4500.00} payment to my XXXX XXXX Master Card, issued by Synchrony Bank. This payment was made via the internet. The disclaimer I received at that time stated that the payment may take 24 to 48 hours to process, no other warning.

On XX/XX/XXXX I attempted to use my card and it was declined. I kept checking my account, as I was then on vacation and needed to use the credit card.

I checked my checking account and the money had been removed from my account on XX/XX/XXXX and that Synchrony Bank had received the money on XX/XX/XXXX, but had not yet credited my account.

On XX/XX/XXXX I called Synchrony bank and was told that indeed they had received my payment but that the credit had not been applied to my card yet and would not for up to 2 business weeks because it was considered a large payment. I was told that this information was in my account terms and conditions. I explained that I needed to use this card for my upcoming vacation and was told that nothing could be done.

I searched in my terms and conditions and was not able any statement referring to " large payments '' or special handling of such. There was nothing stated about extensive delays in crediting payments.

I called Synchrony Bank again on XX/XX/XXXX and was told that I might be " kiting a payment '', even though the money had been withdrawn from my account and credited to theirs for 7 days by that time.

I also charged a vacation for my son on that card specifically because they were offering a rebate on vacation charges. It was in total a {$5000.00} trip but when I enquired about the rebate I was told it was illegible for some strange reason.

I have never had this experience with any other credit card company, and have made similar large payments to 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 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX {$480.00}. I am disputing this on my credit. 

XXXX XXXX - {$28.00} ( Shows balance of XXXX that needs to be paid I'm disputing this also. 

XXXX is XXXX balance, i'm disputing this because they still shows on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I purchased a XXXX XXXX XXXX online through XXXX on XX/XX/XXXX.  However, I changed my decision about this purchase shortly, and contacted the XXXX customer service via phone requesting them to cancel this order. They, however, were not able to cancel the order, since it was already being processed, and assured me that I can simply return it online once the item arrives. As soon as the item arrived on XX/XX/XXXX, a return request was initiated through XXXX online return center, since it was no longer needed/wanted. However, on XX/XX/XXXX, I received an email from XXXX that my return request has been cancelled, due to a return policy violation ( which they did not disclose ), and that they reserve the right to deny any return, even though the item was still factory sealed, and according to the XX/XX/XXXX return policy, I have 14 days to return the merchandise for a full refund from the date it was purchased, and my return request was still within that window. Please see attached, all the email communications between me and XX/XX/XXXX, as well as the XX/XX/XXXX full return policy. 
On XX/XX/XXXX, after multiple unsuccessful tries to resolve the issue through XX/XX/XXXX customer service, I requested Bank of America to start the dispute process on the {$3500.00} charge that was posted on my Visa credit card ending in XXXX on XX/XX/XXXX from XXXX XXXX. I also provided them with the full explanation as to why I was disputing the charge, as well as all the documentations/emails that I had from XXXX. On XX/XX/XXXX, however, I received a claim denied later from them saying that they are not willing to issue a charge back and pursue the dispute, since the item has not been returned to the merchant, which is exactly the main reason I was disputing the charge in the first place since XXXX was not willing to stand by their own return policy, send me a return shipping label, and issue me a refund. On XX/XX/XXXX, I contacted Bank of America via phone after receiving the letter, providing clear explanation for a second time as to why I was disputing the charge. However, the agent on the phone told me that they can not issue a charge back and continue with the dispute, since there is no billing error and the merchandise is still in my possession ( even though this is XXXX fault for canceling my return request and not sending me a return shipping label ).

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 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
XXXX XXXX sent me a letter on XX/XX/XXXX staying they was going to take me to court for a debt I do not owe. I have never heard of this company until now I also called and filed disputed the debt they was extremely nasty with me and asked me very personal questions I asked for validation letter when I received the papers it looks like they typed up something and just printed it off the address isnt correct at all. These are very nasty people and they will not help you or explain anything to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Bureaus, Inc.
State: KS

Complaint narrative:
The bureau has reported me to the credit bureau for a credit card I never opened. They say it was opened on XX/XX/2017 I was in the process of moving and didnt even have a mailing address so this was not me I have never received anything from this company and I checked my credit report and they have reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: TN

Complaint narrative:
US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX. I consolidated all of my debt into a debt program. They would not agree to the terms set forth and after sending a few months of payments that did nothing to bring down the amount owed, I did not pay them anymore. I spoke to them at one point after the amount due reached {$750.00} on a {$300.00} credit card. They would not come down on the amount and I would not pay for a card that I only spent {$300.00} of. Now I am getting letters from attornies stating I am about to be sued by XXXX XXXX who I am learning is collecting for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted Portfolio Recovery Associates LLC to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX as no settlement could be reached. The second account was with XXXX XXXX acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( Portfolio Recovery ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
My husband and I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, in XX/XX/XXXX. We were financed by Santander Consumer, USA. We recently went to a car dealership ( XX/XX/XXXX ), hoping to either refinance our vehicle or be placed in another vehicle because we were making steps to clear up our credit. The manager from the car dealership ( XXXX XXXX XXXX ) came out to speak to us, which I thought was strange. He stated how out of all the years selling cars, he had never seen anything like what he was seeing with our loan from Santander. Our payoff amount is {$22000.00}. We purchased the vehicle ( 3 1/2 years ago ) in which our loan was approx {$23000.00}. Unbeknownst to us the 39 payments that we made from the beginning of the loan, approx {$18000.00}, went solely to interest and only less than {$500.00} went towards the principle of the loan. We spoke with a manager from Santander, XXXX XXXX ( ID # XXXX ) who told us that our contract has a simple interest rate loan, where we pay an enormous amount of interest each day our loan is late. Yes, we have been late in the past. However, within the last 12 months, we worked consistently on our payment, making sure nothing hit our credit. We were never late past the 30 days. We feel like we have been XXXX, manipulated. Yes, we might have been ignorant in going into this contract with Santander. Having a loan for almost 4 years, yes late many times, yes we put some payments towards the end of the loan, BUT $ XXXX WOW!! That's a lot of money, especially when 82 % percent of the payment goes to interest, leaving only {$160.00} going towards principle. Very upsetting and frustrating especially when we are at the verge of getting approved for a loan for our house and the only hardship is now that of this vehicle. Is there anything that can be done? Please help and/or assist us regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/18 - XX/XX/18, I was in a physical altercation with my past roommates, and it resulted into me leaving all of my belongings ( phone, wallet, etc ) inside the house. I had to move back in with my mom and stepdad, and it took me a while to get back on my feet and I was extremely overwhelmed with a lot of things going on in my life. It was between XX/XX/18 - XX/XX/18 when my mom bought me a new phone and I was able to check my bank accounts, and I ended up having to file a claim after seeing {$170.00} missing from my account, putting my account in the negatives. I talked to someone in the fraud department and within 1-2 days they were able to refund my money. 

Due to me having multiple issues with Bank of America, I had made it my duty to close my account. I talked to a woman in the bank, located in XXXX, XXXX, and she notified me that Im not able to close my account until my account no longer has money so she walked me over to a Teller and I was able to withdraw the remainder of my money out of my account. She assured me that my account was closed, and I made a note to myself to open a new account with a different bank. But, I was still receiving emails regarding my account having overdraft fees taken out of it, making my account - {$260.00}, if not less. I was assured that the woman had closed my account and was extremely distraught that I was this much in debt when she had told me my account was closed. And now, I get an email saying my claim was valid and theyre reversing the refund, putting my account nearly - {$500.00} in the hole. Im now taking care of my Grandmother, and just have so much on my plate. I thought BoA wouldve completed my claim, and Im not sure why they denied my claim when I was robbed AND I had been told my account was closed, only to get a mountain of overdraft protection fees back to back to back. 

Please help me.

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 2018-03-04 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: IL

Complaint narrative:
Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding 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 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX/XXXX as no settlement could be reached. The second account was with Capital One acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( XXXX XXXX ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XX/XX/XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: IL

Complaint narrative:
Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding 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 non-monetary relief