vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX, XXXX 2019 purchased new furniture at XXXX XXXX XXXX in XXXX Illinois for {$4000.00}. 
This was using their credit card through Comenity Bank, It was interest free for 48 months. I signed up for automatic withdrawal with 1st payment due XX/XX/2019. I was making sure 1st payment came out on time by checking my bank account because they said if I was late on any payment I would have to pay the interest. On XX/XX/XXXX no payment had been taken out so I called up Comenity Bank ( XXXX XXXX XXXX   number on back of the credit card ) and they told me that the automatic withdrawal wouldn't start till XX/XX/XXXX so I needed to make a payment that day so I wouldn't be late. So over the phone I made the {$140.00} minimum payment. Later that day I had another charge of {$140.00} from Comenity that was pending..thought it was probably a mistake and it would clear out. On XX/XX/XXXX that charge went through so I had made a double payment for the month of XXXX. I called Comenity and they said they were wrong that the automatic withdrawal had gone through for XXXX and they would refund my payment back to my bank I made on the phone which they did on XX/XX/XXXX. I started looking at my statements and noticed I was being charged interest on an agreement that had 48 months interest free, Monday XX/XX/2019 called Comenity Bank and asked why I was being charged interest and they said when they refunded my double payment in XXXX they decided that that was a new charge of {$140.00} and not under the interest free 48 months! Not only are they making me pay back the double payment of {$140.00} at {$5.00} a month but also charging me {$3.00} a month till it's paid!! {$140.00} divided by {$5.00} a month that will take 28 months with {$3.00} interest a month that's {$98.00} interest on a {$140.00} payment that I should have never had to pay as they took 2 payments out in XXXX! I called XXXX XXXX XXXX phone number and they said they had nothing to do with the financing part and I would have to deal with Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Vanilla Gift Card contains {$500.00} purchased on XXXX. It was never used and I kept the card till I'm ready to use it. When I tried to purchase from XXXX on XXXX, it declined. Upon checking the card balance online, a fraudulent transaction for {$500.00} was made late XXXX. I called XXXX and reported it right away to Vanilla Card. They opened up a dispute on XX/XX/XXXX and said to wait for the dispute form in my email within 24 hours. On XX/XX/XXXX, I called again and told them I haven't received the email. The agent said she will reopen the case and send a notation to back office to send another email. Today XX/XX/XXXX, I called again and no activity was done on my complaint. I did not receive any emails. The agent reopened the case again and emailed their back office. I asked to be transferred to supervisor who said the same thing. I asked for the dispute form to be sent immediately because it's already more than a month since the fraudulent transaction was made and nothing has been done about it. The Vanilla company is not helpful and has repeatedly delayed and did nothing do anything about my complaint and has not sent the dispute form which meant that they can never start the investigation and return my money until they receive that form from me. Multiple attempts and long conversations with customer service agents prove that their process in resolving fraudulent charges is subpar and puts every gift card holders at risk for never receiving their money back. Vanilla gift cards does not protect consumers against these fraud charges even when the card has been registered online. Their process for fraudulent charge investigation is time-consuming, disorganized, no dedicated trained staff to handle situations like this, and does not send dispute form immediately to try to delay the investigation making it highly unfavorable to victims. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: GA

Complaint narrative:
Today I was contacted by a company/collections agency that says I owe them money. I told the young lady on the phone that I had no idea what she was talking about that I'd never been a customer of theirs. After l hung up, that made me then go check my credit. I saw things on my credit that I have no idea where that stuff came from. I am concerned. I also decided to call the police and FTC thanks to my friend who work at a bank. Please delete all the items that are not mine as soon as you can. These are the items that showed up : 'XXXX XXXX XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/2019 called Bank of America the automated system to make a payment, I have XXXX and sometimes its the easiest way for me. I spoke that I wanted to pay XXXX which is more than required. It asked if I wanted to pay XXXX, I said yes and it thanked me for paying XXXX. I called back immediately and was told that they could not stop the payment and to call back the next day and they would refund me, and they had some problems with their system. I called and was told to call back Monday, I explained I had XXXX  and had bills to pay and that I needed it pit back. They said they were sorry and to call back I called back Monday and was told the same thing. As of today I have been charged XXXX from my bank for a bill not covered. I am not able to pay my Insurance as I need the money they took. I have been a good customer for years, yet they charge me a yearly fee and a high interest rate so I am never able to finish paying. I have XXXX boys, one in college and my husband has been out of work she we may end up losing everything.

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 2019-09-30 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: NC

Complaint narrative:
After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from Transunion, XXXX, and XXXX, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # 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 2019-09-30 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: NC

Complaint narrative:
After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from XXXX, XXXX, and Experian, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # 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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want my credit score.

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 2019-09-30 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: PA

Complaint narrative:
Fraudulent account identity theft 
XXXX XXXX es
Open XX/XX/18
Amount unknown

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE SENT SEVERAL LETTERS TO THE CREDIT BUREAUS THAT THE BANKRUPTCY IS REPORTING INACCURATE AND SHOULD BE 100 % ACCURATE. THE DATE FILED AND THE COURT NAME IS NOT CONSISTENT AND THIS COMPANY REFUSE TO REMOVE THE ACCOUNT WHICH IS AGAINST FCRA LAWS. I HAVE SENT LETTERS IN XX/XX/2019, XX/XX/2019, XXXX, XXXX, AND XX/XX/2019AS WELL.

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 2019-09-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The last payment to XXXX was in XX/XX/2010 for account # XXXX. This account should be deleted because of it's age. It also appears 3 times instead of once. I only signed up for one loan. 

The accounts are then again reported a second time on my credit report under XXXX 's guarantor XX/XX/XXXX which gives the impression that I defaulted twice and owed twice the amount of debt i ever borrowed. 

I just spoke to XXXX at XXXX who was a supervisor ( ID XXXX ). He stated that XXXX never was able to reach me via phone once the account came to their office 4 years after my last payment. XXXX confirmed that XXXX never sent anything by certified mail and that they where contacting me at an address I had 13 years ago. They where not able to reach me by email or phone either. 

The loan was consolidate through another provider as I felt XXXX to be unethical, unprofessional, and incompetent. ( clearly nothing has changed ) There are multiple lawyers who say I can be part of a class action lawsuit against XXXX. I have submitted dispute and had XXXX remove these accounts. They still remain on Experian and XXXX. They are paid in full and too old to be on my 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 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC TAKES overdraft fees after they have thier own way of clearing the purchases. I should have on fee but they keep bouncing my account at 4 fees at a time and I talked to the till I was blue in the face and it just happened again on XX/XX/XXXX thier process is off only the last transaction should have bounced as no now I have 4 fees at {$36.00} each and some of the transactions are keeps than {$5.00} and on 2 occasions {$1.00} and change ... WOW they left me on the side if the road with a dead battery because they need thier bounce fees and that left me stranded BRAVA I could have been killed but my sister who makes over a hundred thousand a year needs to steal my inheritance because gave freely all my life to her and her family so that gives her the right to lie and the world believes her because she throws money at everyone accept me and I am in the street ... WOW XXXX XXXX XXXX I need help in a morally BANKRUPT nation. Please have Mercy on my soul ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX {$150.00} Ammericollect : {$100.00} {$68.00} ; {$100.00} ; {$53.00} I sent a letter to the collection agencies XX/XX/2019, requesting for the debt to be validated, as well as reminding them of the HIPAA law, advising my permission was never given to the Healthcare providers to release my information to a third party. The debt was NEVER validated, nor was a response provided within 45 days provided by FCRA guidelines, that was outlined in the letter as well. XX/XX/2019, I sent a letter to all 3 major credit bureaus, XXXX, XXXX, XXXX disputing the accounts, providing attachment sent to collection agencies, also asking for proper investigation and proof of verification and what company verified it. XXXX investigated and removed the accounts. XXXX  and XXXX advised accounts being verified without any additional information on who verified it or how. I am aware of the Freedom of Information Act, which isn't being upheld from Credit Bureaus, nor collection agencies. Please REMOVE accounts!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: GA

Complaint narrative:
Today I was contacted by a company/collections agency that says I owe them money. I told the young lady on the phone that I had no idea what she was talking about that I'd never been a customer of theirs. After l hung up, that made me then go check my credit. I saw things on my credit that I have no idea where that stuff came from. I am concerned. I also decided to call the police and FTC thanks to my friend who work at a bank. Please delete all the items that are not mine as soon as you can. These are the items that showed up : 'XXXX XXXX , XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, 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 2019-09-30 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: GA

Complaint narrative:
Today I was contacted by a company/collections agency that says I owe them money. I told the young lady on the phone that I had no idea what she was talking about that I'd never been a customer of theirs. After l hung up, that made me then go check my credit. I saw things on my credit that I have no idea where that stuff came from. I am concerned. I also decided to call the police and FTC thanks to my friend who work at a bank. Please delete all the items that are not mine as soon as you can. These are the items that showed up : 'XXXX  XXXX , XXXX/XXXX, XXXX/XXXX, XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX, 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 2019-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 2 Credit cards with Capital One. I went to make a payment on both of them and accidentally made a payment twice to one card. When this was figured out I called to fix and they moved payment around but still decided to report the payment late to the credit bueauas. I have talked to several people and they refuse to call me back to fix this issue while I am trying to close on my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I HAVE SENT SEVERAL LETTERS TO THE CREDIT BUREAUS THAT THE BANKRUPTCY IS REPORTING INACCURATE AND SHOULD BE 100 % ACCURATE. THE DATE FILED AND THE COURT NAME IS NOT CONSISTENT AND THIS COMPANY REFUSE TO REMOVE THE ACCOUNT WHICH IS AGAINST FCRA LAWS. I HAVE SENT LETTERS IN XX/XX/2019, XX/XX/2019, XXXX, XXXX, AND XX/XX/2019AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TN

Complaint narrative:
I am trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: AZ

Complaint narrative:
I've received numerous notices from Statebridge Company starting on XX/XX/2019, that indicated my home hazard insurance had lapsed and they would charge me for insurance coverage if I didn't provide proper documents. 

Each time, I sent the appropriate documents from XXXX XXXX that showed my insurance had not lapsed. The second-to-last contact, I requested and received an email from a representative to : 1 ) indicate the documents had been received ; 2 ) my account had been updated ; and 3 ) I would not be charged for insurance. 

Today, XX/XX/XXXX, I received a letter dated XX/XX/19 indicated they had not received documents and they purchased insurance on my behalf. 

Please help me resolve this so that the items numbered 1 ), 2 ), and 3 ) are addressed by an accountable representative at Statebridge. 

All corresponding documents are attached. Thank you for the help!

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 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
I opened a US Bank business checking account and business money market account with a promotion they were offering. At the time, the branch I opened the accounts at printed out a flyer that offered {$500.00} within 45 days of meeting the following terms : 1 ) Open a new US Bank business Gold or Platinum Business Checking Package and a US Bank Platinum Money Market account by XX/XX/2019. 

2 ) Then, you must complete {$5000.00} in new money deposits XXXX Direct, Mobile,  ACH, or Wires ) within 30 days of your business checking account opening. The cash bonus will be deposited into your new U.S. Bank Business Money Market Account within 45 days of deposit verification. 

-- - I opened the accounts on XX/XX/2019, and met the terms on XX/XX/2019. I contacted my local branch that opened the account for me on XX/XX/2019, after 45 days had passed from meeting terms to follow up on the status of the bonus. I was informed the promotion had not been applied to my account. I provided a copy of the flyer that was used to open the account with the bonus promotion and was told that they would follow up with the sales department. On XX/XX/2019, I was informed once more that the sales department would not be offering me the bonus, despite meeting the terms, because I was not targeted for this offer. I do not understand how this is possible given that the offer was printed for me by my local branch.

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 2019-09-30 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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