vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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: TX

Complaint narrative:
remove all the ftc violations attached

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 2020-05-18 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: TX

Complaint narrative:
remove all the ftc violations attached

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 2020-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
There has been a global COVID 19 pandemic directly affecting those of us who live in XXXX especially after the date of XX/XX/XXXX. 
I was directly affected and it was not until the beginning of XX/XX/XXXX that things have calmed down a bit. I had a {$25.00} reward which I had earned from my own spending with the XXXX XXXX Credit Card issued by Comenity Bank. It had an expriration date of XX/XX/XXXX. 
I tried to redeem the reward with a large purchase on XX/XX/XXXX. I explained that given the global pandemic and all the stressors that I had not notched the reward was close to expire and quite frankly, shopping had not been a priority during this time of quarantine in XXXX. The representative indicated that there was nothing they could to extend the reward. The supervisor indicated that this was an issue to take up with Comenity Bank who issues the rewards. 
Called Comenity/potterybarn on XX/XX/XXXX. Again I indicated that given the pandemic circumstances this reward had not been redeemed and I was asking for an extension to redeem it. The representative indicated she could not do this and neither would her supervisor. I was transferred to a supervisor, who placed me on a long hold and indicated that her supervisors or " 'higher ups '' had not yet given instruction on how rewards would be handled if expired during the COVID 19 pandemic. 

I find it insulting that Comenity has not moved on making sure our rewards ( money earned from our spending ) are not extended as a human courtesy during this time. They are essentially pocketing our money. I understand there are parts of this country that are far less affected however I am a NY customer at the epicenter of this pandemic and all customers regardless should be given that acknowledgment. Insurance companies and other banks have moved swiftly to extend courtesies to their clients. I am requesting that the CFPB please intercede to have Comenity do  the right thing for their customers during this critical time and extended our earned rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed I have 9 inquiries on my credit report that I didnt authorized and I try to dispute them with Equifax and they are unable to verify me over the phone the overseas Dept gave me a hard time and told me I need to send in documents ... which I refused to do so due to the cornovirus I dont want get sick on my watch ... and I have important things to do ... the inquires that are showing on my Equifax reports are. 

XXXX XXXX XXXX XXXX XXXX.2020 XXXX XXXX XXXX,2020 XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XX/XX/ 2020 XXXX XXXX XXXX XXXX.2020 XXXX XXXX XXXX XXXX2020 XXXX XXXX   XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/ 2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: U.S. BANCORP
State: PA

Complaint narrative:
This pertains to my Valley National Bank Visa credit card. 
On XX/XX/2020, I paid my bill, in full, through their electronic portal ( the amount of the payment was {$5400.00} ). On XX/XX/2020, a second amount was taken from my checking account in the amount of {$5400.00}. I did not approve the second amount and asked them to return it to my account immediately. 
As of today, XX/XX/2020, they have not refunded my money despite almost daily calls to their representatives ( including their fraud department ). The excuses and rationales have varied from person-to-person, but I have gotten assurance that it is " on it's way ''. I no longer want to wait for my money : They have drained my account and caused by an overdraw to my checking account. I have bills due at the end of the month that will require the money to be returned. 
here is a link to their website : https : //www.valley.com/customer-service

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 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AG AH LLC
State: FL

Complaint narrative:
We have been trying for 7 months to get ARC Home LLC to correct an accounting error they made which led to our payments being suspended and reported as delinquent. We have not missed any payments nor been late with any payments. In XX/XX/2019, we received an escrow statement indicating a shortfall. We paid the shortfall in full to avoid an increase in the payment. We also paid the new mortgage amount for XXXX - in a separate check so it would be clear what each check was for. They misapplied the escrow payment as a principal only payment. They also suspended our mortgage payment because it was considered " short '' because they did not record the escrow payment correctly. We have called countless times over the past 7 months and have not been able to resolve the situation. We have filed written complaints with detailed descriptions of dates and times of our communications as well as copies of our payments. We were recently informed the issue was resolved and closed despite never providing us with a letter stating the delinquent report was their error, or notifying the credit reporting agencies of such. It has negatively impacted our credit, and is preventing us from refinancing the mortgage to rid ourselves of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My loan was with XXXX XXXX, whom I also filed a complaint against. XXXX applied my mortgage payment somewhere else and it took them almost a year to resolve and figure out what they did. They sent me a letter regarding the misapplied payment. I received notice that my loan was getting transferred to Shell Point Mortgage and BEGGED XXXX to resolve my payment history prior to selling it. ( Even after a year, they were not showing the applied mortgage payment ). They did not. My first payment letter with Shellpoint showed applied/ unapplied mortgage payment. I couldn't even understand what was going on and I '' m in the mortgage business, but could tell that my missing payment wasn't applied correctly. I IMMEDIATELY sent Shellpoint the  information from XXXX and received notification that Shellpoint was reviewing and looking into it. They have been calling me 5 TIMES A DAY, not leaving a message. I called them to talk to someone and got hung up on after holding for 30 minutes. I do NOT want to be harassed by them and get this many calls when they are supposed to be looking into the information that I sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I received a copy of my consumer report which has ALLY Financial listed as an open and active installment loan account. This account has been charged off and sent to another outside collection agencies over 3 years ago. ALLY Financial refuses to have it removed from my credit report. They are no longer handling the file, when I called into the number provided no one is able to pull up my account. I spoke with a representative XX/XX/20 to have this resolved in she advise that she will have a letter faxed and sent to my current mailing address as removed. I called today in spoke with another representative to see if the request has been submitted in XXXX told me he could not find any account for me or with the account number on my credit report. This matter needs to be removed or updated accurately.

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 2020-05-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX  XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX XXXX {$1800.00} XXXX XXXX {$11000.00}

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 2020-05-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX XXXX {$1800.00} XXXX XXXX {$11000.00}

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 2020-05-18 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: AR

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED  XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: GA

Complaint narrative:
I opened a dispute with Equifax due to inaccurate information being reported. After the initial dispute investigation the items remained. I then contacted the credit bureau again by certified mail requesting the method of verification of the initial items disputed that remain on my credit report. Equifax ignored my request for information that I legally have a right to know how they obtain information they report on my personal consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TX

Complaint narrative:
Hello. So I opened a Children 's Place credit card back in XXXX to take advantage of the promotions they were offering. I am very good about making payments for ANYTHING on time. I have a 99 % on time history with my credit report. However, I realized in XXXX I had forgot to make my payment from XXXX. So i called and made my payment. When I paid, there was no late fee showing so I assumed I did not accrue one. Apparently the day after I paid my balance in full, the added on a XXXX dollar late fee. I was never emailed anything besides promotional emails from them, and never received anything in the mail. They called me in XXXX stating I owed XXXX dollars as they were charging late fees FOR my late fees ... never was notified again. So I called and negotiated with them, and they knocked my balance down to XXXX dollars. I paid them, and all was supposedly final. Today I received an email of a statement saying I again owe them a XXXX dollar late fee, and XXXX dollar interest charge for paying my late fee that I talked to them in XXXX about, 8 days late. Not one person told me this would happen, or that I was paying anything late. So now I am being charged late fees almost every month when I owe them XXXX money. They refuse to take the fees off, and made me pay them twice now. I feel this is extremely inappropriate, and slimy. I feel let down that even though this is clearly not right, they refused to take the charges off, and instead told me I would be sent to collections for not paying them. Please please help. I do not want to spend my monthly pay check on nonsense rather than feeding and providing for my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 2 ) 1681i On XX/XX/2018, Capital One made an  unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with Capital One as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ernst, Ernst & Artmann, Inc.
State: AZ

Complaint narrative:
A debt of {$460.00} acquired by this collection agency in XXXX/2019 was unknown to us but showed on our credit report when refinancing. While trying to resolve the issue the collection agency still is not returning phone calls or answering calls. A letter is said to be mailed but returned to them. We receive our mail fine. We have received 0 paperwork. When calling we have been given an extension to enter for a specific person. This person has returned our calls 0 times with us leaving numerous messages. We did receive a call back from another company who could not help us but did offer to send information through the mail again. We continue to call months into this with him not answering or calling back. We have called 7 times in the last 3 work days with 0 response. Today we contacted another customer service representative who told us of the letter being returned to them and gave and email address. We have emailed and are still waiting for any correspondence or further information. We would not know of this debt if not refinancing. Now that we are, the inability to get more information or even communication we are very frustrated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: NY

Complaint narrative:
To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for XXXX XXXX  at the time I had got injured on the job.

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
on XX/XX/2020, I recieved an email from Experian please log in to review my alert.When I logged on and view the alert, Experian message was that my FICO score has decreased 4 points with no explanation.Also, the message said to up your fico score i should use boost feature.OnXX/XX/2020, my FICO score increased 11 points.On XX/XX/2020, My FICO score increased another 11 points.On XX/XX/2020, My FICO increased another 9 points.On XX/XX/2020only 5 days later my FICO score decreased 4 points with no explanation.Something is wrong and I demand a Explanation why.It almost seems like Experian decreased me under 700 to use the boost feature.When I log onto Experian under alerts, IT does not give a detail explanation.When you view the credit report, that doesnt give a Explanation as 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 2020-05-18 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: CA

Complaint narrative:
I'm showing a charge off account on my credit file from XXXX- I have already paid, settled and close this account. Please see attached documents for proof of payment and settlement. I have tried to contact XXXX to make sure that they update my records with Experian, they have not update my file with Experian. Also, Experian continues to report this as late payment on my file. XXXX 's account is charge off and the last late payment on my account was reported in XX/XX/2017. This account was steeled and the creditor agreed to delete this account form my file. I have been trying to speak with Experian and have them update my file and delete this account and fix my FICO score, they have report and lowered my fico score by 18 point on XX/XX/XXXX. I have exhausted all options with XXXX and Experian and no luck. 

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 explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received an alert from XXXX that my SYNCB/PPC credit limit decreased from {$2500.00} to {$1500.00} without my knowledge or authorization, thereby lowering my credit worthiness to potential creditors and financial institutions. I contacted PayPal CREDIT who is in charge of the credit line and spoke with XXXX. I inquired on who authorized the decrease in my credit limit and how come I was never contacted or informed beforehand. I further explained the negative ramifications of the credit limit decrease on my overall credit worthiness and credit score. I did not receive a clear response as to who or why a credit limit decrease was authorized on my account which is in good standing. I expressed my disappointment in the carelessness my credit worthiness is handled by SYNCB/PPC and expressed my intent to file a complaint with the Consumer Financial Protection Bureau.

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