vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
When I opened my account with Truist bank, I tried to first do it online. It gave me a screen that the request could not go through and to come to a bank branch to open an account. I went to the bank in person and was helped to open an account. I was first attracted to open the account due to an advertised banking bonus offer of {$400.00} after making a total of {$1000.00} in direct deposits within 90 days of account opening. After opening an account, I received notification that I don't meet the requirements. I spoke to the bank manager XXXX XXXX who informed me that the terms are different from opening account online vice completing the account opening in person. That was not clearly identified to me at the time of account opening. I met the terms of the bonus offer- including the opening deposit and direct deposits, but it was never deposited. I called their customer service line to get an update on the request to revert back to the original online terms that XXXX XXXX submitted on my behalf. The agent on the phone said its still pending and gave me no information on why eligibility review was pending. I called customer service once and stopped by the branch in person kept getting a different response on why my bonus offer is pending. I am concerned about the deception with opening the account online and changing the terms after completing the account opening in person at the branch with the not granting the bonus offer for opening the account. Unrelated but I also have a separate complaint regarding this account because they have frozen/locked it after I deposited a check from my mortgage 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
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
Earlier this year my mortgage was transferred to Freedom Mortgage. On, or around, XX/XX/23 I noticed my weekly transactions from my banking institution ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) ) were not being applied to my mortgage balance as they had with previous mortgage companies. These are {$75.00} transactions weekly from XXXX to Freedom Mortgage. 

On XX/XX/23 I contacted Freedom Mortgage inquiring as to why the payments were not posting to the account despite showing as transferred. I was told " When funds are received that do not complete a full mortgage payment, they are placed in " Unapplied Funds '' until we receive additional funds that would complete a full mortgage payment. The funds are then reapplied to the next mortgage payment due on the account. '' Over the subsequent several weeks and months I corresponded with Freedom Mortgage regarding this. I was finally advised that Freedom Mortgage has no mechanism to allow for partial payments to immediately apply to the principal of the mortgage. 

This terrible approach is resulting in **considerable financial loss** and wasted time on my end. It's imperative that Freedom Mortgage addresses and rectifies this issue promptly. The amount of compound interest being applied due to Freedom Mortgage being unable to handle the most basic of financial transactions is significant.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
On XX/XX/2023 XXXX Credit Card issued by XXXX XXXX XXXX XXXX cancelled my account for no valid reason. I contacted them by telephone and was first told my account was closed because I had several late payments. This is not true. I was never late on my payment and always made more than the minimum payment required. I was then told I had fraudulent charges and payments on my card. This too is not true. I made all the charges on my account that were authorized and made payments from my Bank Checking Account which too is not fraudulent. ( XXXX XXXX Checking ). I have had this account over 15 years. 

On XX/XX/2023 I paid the full balance on my account of {$1000.00}. This was able to be paid because I won {$11000.00} on a slot machine on a online Casino known as XXXX XXXX and is legal in my state and in the United States of America. Therefore, there was no fraudulent payments or activity. 

The account currently has a XXXX ( XXXX ) balance and payment was even made after the account was closed my XXXX and XXXX XXXX XXXX XXXX. My assumption is that they closed my account because there were no longer getting interest charges from me because I charged then account and paid off the balance The was done to show use of my credit available to me and to build up my credit and XXXX XXXX With XXXX and XXXX XXXX XXXX XXXX  closing my account the have hurt my credit and reduced my XXXX XXXX by XXXX point and reduce my credit available to me by {$1500.00}. 

XXXX and XXXX XXXX XXXX XXXX needs to provide to me the FRAUDULENT Charges and Payments and a detailed reason for closing my account. I will also note that all my payments were made on time and often before the due date I have read several complaints online now about this company and post on XXXX. Maybe customers have experience similar situations and closing of account I want my account reinstated with the same credit limit or I will be filing a lawsuit and possibly a XXXX XXXX XXXX This is not legal action by this company. 

Their customer service representatives have no idea what they are doing and providing incorrect information to customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: HW Holding, Inc
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mol 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of InquiryXXXX XXXXXXXX XXXX Date of InquiryXXXX, XXXX Date of InquiryXXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of InquiryXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Early Warning services did not do a fully investigation on the following fraudenlent accounts Banks that were open up fraudenlty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, I submitted an application for the Citi XXXX XXXX, but it was rejected due to my XXXX bankruptcy. Seeking assistance, I contacted an application advisor at XXXX. I explained that according to the Fair Credit Reporting Act ( FCRA ), banking institutions can not decline applications based on bankruptcy after 4 years from discharge. The advisor reviewed my credit report, acknowledging that my bankruptcy had been discharged for 4 years, and recommended I reapply after XX/XX/XXXX. They believed there was a good chance for approval since I had built credit post-bankruptcy. Following their guidance, I reapplied on XX/XX/XXXX, only to face the same rejection due to bankruptcy. Frustrated, I contacted another application advisor that same day. This advisor contradicted the previous information, stating that bankruptcy could still be a reason for denial for up to 7 years. I contested this, referring to the FCRA. I asked them to reevaluate my application, prompting them to escalate the matter to the ER department for review. They assured me of a response within 15 days.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
Disputed identity theft account on my credit report with XXXX and with a cheese personal loans on the first week of XXXX. XX/XX/XXXX the information was blocked removed by XXXX  and on XX/XX/XXXX this information was verified by achieve personal loans, and placed back on my credit report. Achieve personal loans didnt response to my dispute within 30 days nor did they response to XXXX  within the time frame allowed either to which is a violation under 15 usc 1681a ( 5 ) ( i ) ( ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I sent in my payment for XXXX of {$480.00} and it was cashed on XX/XX/2023. On XX/XX/2023 I was contacted by my bank Santander Consumer USA for a missing payment for XXXX. I told them I sent it out on XX/XX/2023 and it was cashed on XX/XX/2023. He said I would need to fax over a copy of the clears check both front and back to XXXX so they could apply the payment accordingly. I contacted my financial institution and they could not provide me with a copy of the check because of how Santander cashed the check and could only provide me a copy of the transaction and bank statement showing the check number and amount of the check. I faxed that over. I gave them a few days to process this and called back. They said that they still needed the copy of the check back and front. I also needed to give them the correct month of bank statement showing the correct check number. I have given all the information I am able to obtain and its not good enough. I always make my payments and make them on time. They should be able to tell that its is my check by the numbers coinciding with each other and the amounts of each check. They have given me a complaint number for future calls but this has taken too long as it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of InquiryXXXX  XXXX XXXX Date of InquiryXXXXXXXX XXXX Date of InquiryXXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of InquiryXXXX

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX - XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and XXXX XXXX  in order to get the issues cleared up. Wells Fargo has refused to remove data pertaining to account ( XXXX ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Wells Fargo seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX  and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Wells Fargo ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!

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 2023-08-24 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: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Dear Sir/Madam, I hope this email finds you well. I am writing to express my deep concern and frustration regarding an ongoing issue I am facing with American Express, specifically concerning the transfer of points from my Membership Rewards ( XXXX XXXX account. The purpose of this email is to bring to your attention the challenges I have encountered and seek assistance in expediting a resolution to this matter. 

For the past week, I have been attempting to transfer points from my American Express XXXX XXXX to another loyalty program. However, despite following the designated process and fulfilling all necessary requirements, I have been met with significant roadblocks. Each time I try to initiate the transfer, I encounter error messages and obstacles that prevent the successful completion of the transaction. 

What adds to my frustration is the response I have received from American Express customer service representatives. After spending considerable time on the phone explaining the issue, I was informed that resolving this problem could take anywhere between XXXX to XXXX weeks. Such a delay is not only unreasonable but also places an undue burden on me as a customer. The inability to transfer my points in a timely manner significantly hampers my ability to utilize the benefits of my XXXX XXXX effectively. 

I am deeply disappointed by the lack of urgency and responsiveness from American Express in handling this matter. As a loyal customer who has diligently adhered to the terms of the XXXX XXXX, I believe I am entitled to a seamless experience and timely solutions when facing technical issues of this nature. 

I kindly request the Consumer Financial Protection Bureau to intervene and assist in expediting the resolution of this issue. It is my hope that your involvement will prompt American Express to prioritize the matter and provide a satisfactory resolution within a much shorter timeframe. 

I genuinely appreciate your attention to this matter and your commitment to ensuring fair and equitable treatment of consumers. I believe that your intervention will not only help resolve my personal situation but also contribute to enhancing customer satisfaction and maintaining the integrity of consumer-business relationships. 

Thank you for your time and assistance. I look forward to a swift resolution to this matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Lawful Notice of Dispute TO : XXXX XXXX XXXX RE : LAST XXXX DIGITS OF XXXX To Agents or Assigns at : XXXX XXXX XXXX XXXX XXXX in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and XXXX XXXX XXXX. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX

Company response to consumer: Closed with explanation