vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
After getting an annual membership fee for a BJ 's card, I tried to find my credit card I realized I don't have one. I don't remember ever having it. 
I tried to call BJ 's to ask about it and cancel the membership but, because I didn't have the credit card number, I couldn't get through the voice prompts. I tried several times over a month. I've probably spent 5 hours on the phone over the course of 2 months, just trying to get through to someone. 
I finally, reluctantly paid the late fee in the next bill because I hadn't been able to talk to anyone about it. 
I kept on trying to get through to BJ 's to tell them I needed to cancel their card, and my membership. 
It took several more days until I spoke with someone from another country who assured me it was cancelled, and I didn't have to pay anything more. 
I just got another late fee from BJ 's. I still can't talk to anyone because I don't have the credit card #. Again, I've talked to people in another country who have passed me on to the wrong place twice and I waited another 1 hr. I am frustrated and refuse to pay another late fee for a card I don't have, and was told was cancelled, and which I already paid one late fee for. 
I am fed up and angry that I can't talk to a human. I will never deal with BJ 'S again. I want any late fee reports from BJ 's or Comenity bank removed due to this impossible situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc.
State: TX

Complaint narrative:
I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$60.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
I am a fXXXX XXXX of HomePoint Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I refinanced with HomePoint mid XXXX, so this company now holds my primary residential mortgage along with another mortgage for a rental property. Within 30 days of the XXXX, they transferred my servicing to XXXX XXXX. Once this was set up, I paid my mortgage payments for 6 months in advance to XXXX XXXX  with no issues. I try to make my next payment and they transferred my servicing back to HomePoint I paid the same bill pay that I paid when I initially got my mortgage but that was wrong. When I figure this out, I now had to make a double payment which they finally received. It appears that I am being XXXX as a XXXX XXXX as I have NEVER experienced these kinds of issues as a homeowner of multiple homes over 22 years. 
The next charge is that they mailed an escrow refund check. I in turn deposited the check into my bank account they then stopped payment on the check without notifying me and sent the analysis reflecting a large shortage. I called and they are claiming no record of sending me a check however I have the check copy, the letter that came with the check and the letter from my bank proving stop payment. They failed to send an urgent notice saying that they stopped payment and even denied sending the check in the first place costing me a XXXX fee with my bank also this effected my stellar deposit history with my financial institution of which I have been a member for about 25 years. This also posed a threat of financial harm as XXXX can cause an extreme domino effect in someone's finances. 
The third charge is that when I compare the escrow statement payment to property taxes against the actual bill that I received from my county government there is a deficit in the amount paid. Even though this is a small amount it is still detrimental to my homeownership. This company is really experiencing some issues and not only are they XXXX  and giving bad XXXX  XXXX regarding my XXXX  and causing me to lose job opportunities. They are threatening my home ownership and I really need someone to intervene as I am not in the position to hire an attorney so I will start with this as a first step. 
I have received a call from XXXX XXXX ( early evening around XXXX XX/XX/XXXX ) however there was a connection issue with the phone lines, and I have not heard back since then. This is pretty much beyond a phone call, and I need an outside mediator.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
I paid off & closed my card with XXXX. After paying it off I received a {$290.00} credit for a purchase for a concert that got canceled. The bank received this credit back on XX/XX/22. Instead of sending me a ck immediately since the acct was closed they sent me a statement with a credit bal. When I got the statement on XX/XX/22 I called & asked them to send me the money, which they said they would. On XX/XX/22 I called again because I had not received the check yet and they told me that they had not sent it yet & were experiencing some delays. I asked them to overnight the ck and they refused. I thought it fitting since not only did they hold on to funds that belonged in an acct that was no longer active and had a XXXX bal. and waited for me to ask for it, but because 10 days had gone by since they told me they'd send me the refund chck. I have no way of knowing how much longer I have to wait for this money to be returned to me. They may delay it again for all I know. At least with the promise of an overnight I'd know right away if they're working on my refund or not.

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 2022-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had/have accounts with Comenity Bank for years. These accounts have been closed for a couple of years and I have been paying off the debt. Earlier in this year I noticed the accounts were reopened and stated that I had available usage which has affected my credit. Anytime that I apply for anything it shows that these accounts are opened. I learned that Comenity Bank updated their system and the accounts reopened. The accounts that I am referring to are ( Victoria Secret, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wayfair, XXXX XXXX XXXX XXXX XXXX. ) I do not want them to stop communicating with me but I want them to update my credit report immediately. I have filed disputes with the credit bureau and I have also contacted Comenity and nothing has worked. I want it fixed immediately because it is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I inquired about a vehicle with mnfreshstart on XX/XX/XXXX from one of their false advertisements on XXXX. 
No where on their website did it say an inquiry would immediately hard pull my credit from 10 different financial institutions. XXXX called me within the hour and said he was reviewing my application. I asked him if this would be a high interest loan. He said of course I had no other choice due to my credit score or history. I immediately said No I do not want a high interest loan. He then began to belittle, name call me, scream at me and hung up when I firmly said to him I do not want a high interest loan. I had no ideal that my credit report was hard pulled by over 10 different creditors from transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of rebuilding my credit and this type of dirty XXXX makes it more difficult. I want all of these hard pulls removed from credit report immediately in the name of false advertising and dirty sales tactics. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third bank is servicing my loan. Like all banks operating in todays market place, banks allow users or customers to pay their loan online through online bank. We can all agree, online banking is a standard in todays market place. Every bank EXCEPT Fifth Third bank makes it easy for customers to select or initiate automatic payments online through user profile or settings. 

Fifth Third has processes in place which make it extremely difficult for customers to sign up for automatic payments. They do this on purpose so customers do not sign up for automatic payments, are exposed to expensive fees, and then Fifth Third charges customers expensive late fees when they miss their payment or accidentally miss their payment. 

Fifth Third requires customers to print off a form, sign it, fax it or mail it. They do not allow an easy process such as online enrollment for automatic payments like every other bank. They also require sensitive information on the document such as account number, billing bank account number and routing number on their form. This leaves customers open and susceptible to fraud as the document that is faxed sits in a receiving fax machine for anyone to look at or simply gets lost in the mail if mailed. 

Fifth Third knows the game they are playing, they figure if they make it challenging for customers to sign up for automatic payments, let alone maybe some customers don't have a printer or mean to mail or fax and then exposes customers to expensive unnecessary bank fees. 

If Fifth Third gave their customers an online selection to initiate automatic payments then they would miss out on charging customers unnecessary late fees. 

Fifth Third is taking advantage of people, please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance of the fair credit reporting act this creditor has violated my rights u see 15usc1681 section602 states I have a right to privacy 15usc1681 sec 604 a sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under an open an consumer plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX an XXXX XXXX  I am trying to get corrected

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance of the fair credit reporting act this creditor has violated my rights u see 15usc1681 section602 states I have a right to privacy 15usc1681 sec 604 a sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under an open an consumer plan as late for any purpose XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am trying to get corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have filed a dispute with the credit reporting agencies in regards to medical information reporting on my credit report. I still have not received any information in regards to my complaint. This is really hindering me from moving forward financial. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response Please remove this inaccurate information from my credit report as soon as possible. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I submitted a refund request with them XX/XX/26, hours after they announced the refund policy for student loans. Due to their fault, I was told that there was an error in the previous refund submittal, and they would need to process this XXXX. I have called numerous times and have gotten no clear update as to when I would be receiving the money that is owed to me. I, and many others are very frustrated with this process. I would like to receive my refund as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, On XX/XX/30, I deposited a check in to my checking account at Bank of America for {$13000.00}. A 7 day hold was placed on that deposit. I have had my account for over 10 years, and have significant deposit history. 

On XXXX, the issuing bank paid the check, and funds have been verified and released to Bank of America. 

On XXXX, I visited Bank of America. The rep and manager during that visit spoke with their customer service line and their deposit operations. Neither of those departments could state why the hold was in place besides company policy and that they were still reviewing the deposit. A copy of the cleared check from the issuing bank was provided, and they stated that even if the issuing bank verbally confirmed to them that the funds were good and cleared, that still would not release the deposit hold. 

I find it extremely disconcerting that Bank of America can prevent me from having access to my verified funds.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have filed a dispute with the credit reporting agencies in regards to medical information reporting on my credit report. I still have not received any information in regards to my complaint. This is really hindering me from moving forward financial. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response Please remove this inaccurate information from my credit report as soon as possible. Thanks in advance

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-02 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: CA

Complaint narrative:
XXXX XXXX, through XXXX, has not been reporting to the credit bureau 's since XXXX. Attempts to contact them only results in canned responses with no assurance that this will be corrected anytime soon. Multiple customers are facing the same issue.They need to be held accountable to not reporting which is causing customers to not have updated information to the credit bureaus which effects everyone 's scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to 15 U.S.C. 1692 ( G ) section 809 ( B ) I humbly request your agency sends proof of validation made pursuant to the FDCPA laws, please provide the amount claimed owed, an explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor, and confirmation that the account has not crossed the statue of limitations ( XXXX ) period. I would like to inform that the agency has reported invalidated account information, it will be regarded as fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency you represent, then I will be compelled to take legal steps against your agency for the reasons mentioned. Violation of the Fair Credit Reporting Act ( XXXX. ) Violation of the F.D.C.P.A. Defamation of character *Use of my copyrighted property. I will need a minimum of 14 days to investigate this information.

Company response to consumer: Closed with explanation