vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my XXXX email account. For some reason, XXXX  XXXX XXXX was only sending my bill to the XXXX email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this XXXX XXXX agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.

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 2020-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my .XXXX XXXX account. For some reason, XXXX  XXXX XXXX was only sending my bill to the .XXXX  XXXX address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this Federal Servicing agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this XXXX student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my XXXXXXXX  email account. For some reason, XXXX  XXXX XXXX was only sending my bill to the XXXX  email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this XXXX XXXX agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.

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 2020-10-25 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: Certegy Holdings, LLC
State: IN

Complaint narrative:
Upon pulling my XXXX  report, I noticed that Certegy has placed upon my credit file a Check that is reportedly unpaid to " XXXX ''. First and foremost, I have NOT written a check to XXXX ; I have not had XXXX services in quite some time, in fact. Moreover, and and all names and addresses that are being reported by Certegy are factually incorrect ; only my current address is valid and my current name is used.

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 2020-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Went to chase atm to make a deposit, the atm malfunction and kept the money. Got a receipt stating to contact the number immediately. Went inside the bank and spoke with the tell who initiated to have a company come out and check the machine which was done in 4hrs. File my complaint with the appropriate department and was told that it's an ongoing issue and will not be able to deposit my cash until the investigation is completed and it's not a grantee that I will receive it. Spoke with cooperate who didnt seems to care much about my complaints or the fact that I have Bill 's to pay and will be charge late fees, spoiled my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was paying off a utility/Electric Co, XXXX  on a monthly basis. The balance was {$85.00}. It was reported and turned over to XXXX XXXX XXXX in the amount of {$120.00}. Then to another Collection Co also. I called XXXX and the tild me not to pay them, but to pay XXXX. I did. I paid XXXX {$110.00}. It took me 2 mo 's and 5 calls to get a paid receipt from XXXX. The paid receipt shows account paid at {$110.00} to XXXX only. Not XXXX XXXX  also. My account was to XXXX only. Now XXXX or XXXX won't confirm the payment to XXXX or XXXX. The account has beed paid in Full. I have a Receipt. This must be removed from my Credit report please.

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 2020-10-25 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I closed my credit card account, by phone, on XXXX. I was moving, told the agent my new address and asked for my final statement to be mailed to my new address. I never received the final statement. 

Approximately XXXX I received a statement with both late fees and interest but no detail regarding the purchases. On XXXX, following the instructions on the back of my statement, I sent a letter disputing the fees and asked for a statement detailing the charges. 

XXXX. I called, asked them to stop charging me interest and please mail a statement with subject charges. I still had no idea what charges I allegedly had made. 

XXXX. I received another statement with more fees and interest but still no detail regarding the charges! 

XXXX. Received statement detailing charges. I saw charge from a fraudulent web page that changes your address. They don't tell you they charge {$40.00} for a free service! 

XXXX. I sent letter disputing the fraudulent charge and the continued fees. 

XXXX. Received a letter saying they are investigating. 

XXXX Received a letter denying my claim because I took too long! They never respond and I took too long, insulting! 

XXXX I sent my last letter with a check to cover the 1 legitimate charge to my account, my cell phone bill. I told them I had no intention of paying any more, ever. 

XXXX. I received another denial letter which I returned telling them I'm filing this complaint. 

It comes down to them being negligent in forwarding my statement and then denying my claim against one of their deceptive vendors, blaming me saying I took too much time?

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 2020-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I am out of a job due to the pandemic that the whole United States us under I explain this to Bridgecrest. I am on unemployment and I am one car payment at this time. Bridgecrest has sent me a default letter for this one month. I was always under the impression that you had to be three months before you default on a loan. I paid Bridgecrest {$980.00} on XX/XX/2020. I am trying my best to make ends meet but this company has no consideration for what people like me is going through. I am going through something that is no fault of my own. Before this pandemic happen I was paying my car payment and on time. Bridgecrest has report to the credit bureau that I was thirty days late which took my credit score down very low. This company is trying to destroy me and I am already experiencing enough without them making things worse. They need to be more considerate because I am doing the best that I can. They also sent me a letter pretending it was certified I didnt sign for this letter but the envelope says certified. I feel like they are harassing me and stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: NJ

Complaint narrative:
In XXXX of XXXX I noticed two fraudulent charges on my Citibank Visa card by a company called XXXX XXXX. The charges were made on XX/XX/XXXX for the amount of {$2400.00} and XX/XX/XXXX for {$2400.00}. 

The following month ( XXXX ) there were two more charges : one on XX/XX/XXXX for {$1400.00} and another on XX/XX/XXXX for {$1400.00}. 

When I initially disputed these charges in XXXX I was told there would be an investigation of the disputed charges, and soon after I received an email that the dispute was corrected and the charges were rectified. 

In XXXX these charges seemed to be resolved and I was issued a credit for them by Citibank. 

In XXXX there were two more charges in the amounts of {$2400.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX, these charges were categorized as " Reverse " from XXXX XXXX. I immediately contacted Citibank and they very rudely explained that I had been credited twice once by XXXX and again by Citibank Visa and that is why I was being charged again. I have no dealings with XXXX and never received credit from them, maybe Citibank was credited but I was not. This explanation was explained rudely and condescendingly by a woman named XXXX and a man named XXXX in Customer Service. After what seemed like hours I was directed to the fraud department where I requested an audit of my account. I was told someone would be contacting me soon to let me know my current balance. As of today, I have not been contacted by anyone in the fraud office.When I went online to view my current statement there was another " reverse '' charge to my account. 

I was not credited by XXXX and these charges should be permanently removed. I now have a substantial bill and have been rudely dismissed by XXXX, XXXX, XXXX and other Citibank representatives. My feeling is that if a merchant has billed someone in error, the fraudulent charges in dispute should not be my concern, the resolution should be Citibank 's. My concern is I don't want these charges on my card and I don't want my credit disrupted by incompetence and fraud. 

Please tell me how I can correct this situation and not pay any interest or fees relating to this dispute.

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 2020-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank Wayfair Credit Card -Balance {$0.00} - Comenity Bank has not provided me a final statement -Contacted Comenity 2 occasions on confirmation of credit impact but I was only referred to the credit bureaus. 
-Credit Bureau was unable to help because at that time the trade line was current. 



I believe this is a violation of The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX. 

I held a retail credit card with Wayfair services by Comenity Bank ( XXXX XXXX XXXX XXXX OH XXXX ). My account was in good standing and paid. I was notified that Comenity would no longer be the servicer for the retailer Wayfair effective XX/XX/XXXX. This corporate decision was not based on the individual credit habits, this was a corporate business decision, for which I understand. 

Unfortunately, upon review of my credit profile Comenity bank closed my trade line and I realized a XXXX point decrement against my personal credit score. As you are aware the credit score is a reflection of a consumers buying and credit habits. Why am I and your constituents being egregiously being penalized for a corporate choice not reflective of my spending habits. 

I am writing you because Im todays day and age as we work to keep our economy sustaining and moving violations like these will diminish Americans buying power because of a corporate decision. I personally am in the middle of a home purchase and this violation, has placed that in jeopardy. And I cant help but think, who else has been impacted. A person may have lost a career opportunity. A home refinance a home owner needed to keep their home. So much is weighed in this country on your credit profile that I had to write and I had to let this violation be known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: MECHANICS BANK
State: CA

Complaint narrative:
Before I filed bankruptcy in XXXX, I called Rabobank ( name at the time ) now has changed to Mechanics Bank accounts department, to let them know I was filing bankruptcy. At the time I had a credit line overdraft on my checking account which I owed around {$500.00}, never paid late always on time. I asked them what was going to happen with the credit line would I loose it with filing bankruptcy they indicated that I wouldnt loose because it was a part of my checking account. I then never added it to my bankruptcy which discharged in XXXX. I had no problem after paying on overdraft and it still remained open then in XXXX I got a letter in mail from Rabobank at the time telling me they closed my overdraft and said it is a account added it to right then in XXXX to my bankruptcy. I went in to bank and called several times talking to managers and account specialists trying for them to tell me how they can add my overdraft account to a already XXXX discharged bankruptcy for which was not a added account to it and they couldnt give me any answer. Then I asked for them If I could apply for another overdraft Account and told me they couldnt and the old overdraft that still had a balance on for which I was still paying down at the time payments couldnt be reversed, 4 years Ive been dealing with this and now still in XX/XX/XXXX it shows it was a late payment which I was never late and a hard inquiry for some reason. Please if you can figure this one out on how a bank can add my overdraft account to a already discharged bankruptcy after the fact and I didnt add this account to it at time of filing is my question?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Owned card for 21 years, never late. Amex offered a 'payment ' agreement, under Covid, I recorded the agreement with my wife on the phone, they didn't record the agreement. I paid the agreed amount in XXXX and XXXX, yet they reported the account 30 days late to all credit reporting agencies damaging my credit. All my calls are routed to XXXX XXXX where nasty, disrespectful representatives try to collect the money making false threats of improvement and arrest. Under Fair Debt collection Practices Act they have violated all rules, late calls from XXXX, 12 times a day on my phone making false threats, I have recorded the conversations as well. Call them 7 different occasions, I have 4 supervisors id 's and nothing has been resolved. 
I will proceed legally with a lawsuit as well as for all damages this has caused me and my wife.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-25 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: AL

Complaint narrative:
I recently did a dispute through equifax and asked for a specific proof on an account they investigated it but no one had what I asked for according to the fcra guidelines they have to show it I asked for the original signed contract for the credit application and for the copies of all the cashed checks used to pay the account I recorded them today XX/XX/2020 saying they dont have it

Company response to consumer: Closed with explanation