vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XXXX XXXX ) Recently, I, XXXX XXXX, XXXX XXXX an extension of credit by Childrens Place On ( XXXX XXXX, I applied for ( Childrens Place Credit Card ). 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Childrens Place XXXX XXXX ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( Childrens Place ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Center, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX  ; Credit Center , LLC XXXX XXXX  XXXX XXXX CT  XXXX Re : XXXX Dear Credit Center  , LLC, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as {$270.00} for XXXX XXXX XXXX that my father, XXXX XXXX utilized while ill with XXXX. He has since passed as of XX/XX/XXXX See attached death certificate. I do not have any responsibility for the debt you are trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: MO

Complaint narrative:
I called Experian at XXXX XXXX  on XX/XX/XXXX, I informed them on some hard inquiries that I wanted removed and they said they don't have the power to remove them US SM BUS ADMN ODA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  I also called these companies to dispute these hard inquiries 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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute with XXXX on XX/XX/2022 for XXXX XXXX XXXX because the reporting agency did not have my consent to furnish this account on my report. I got the results on this report via their website on XX/XX/2022 the dispute results states that XXXX  reinvestigation of the dispute I recently submitted is now complete. The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. this is several violations because one the term " investigative consumer report '' according to 15 usc 1681a ( e ) means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. so if this information was " certified accurate '' or specific factual information it should not be on my consumer report. Also I called XXXX to find out more about the investigation and I was told that XXXX does NOT have any documents from the " creditor '' verifying this account including my consent to furnish this account on my consumer report. I was also told by XXXX over the phone that this item could not be deleted only disputed again and that they did NOT need my consent. They also claimed they did NOT have to do an investigation under the FCRA. I was also hung up on several times after being yelled at.

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with XXXX on XX/XX/2022 for XXXX XXXX XXXX because the reporting agency did not have my consent to furnish this account on my report. I got the results on this report via their website on XX/XX/2022 the dispute results states that XXXX  reinvestigation of the dispute I recently submitted is now complete. The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. this is several violations because one the term " investigative consumer report '' according to 15 usc 1681a ( e ) means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. so if this information was " certified accurate '' or specific factual information it should not be on my consumer report. Also I called XXXX to find out more about the investigation and I was told that XXXX does NOT have any documents from the " creditor '' verifying this account including my consent to furnish this account on my consumer report. I was also told by XXXX over the phone that this item could not be deleted only disputed again and that they did NOT need my consent. They also claimed they did NOT have to do an investigation under the FCRA. I was also hung up on several times after being yelled at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
I received my XX/XX/XXXX bill and it was {$560.00}. I went to my XXXX XXXX XXXX XXXX site and paid the bill from that site, as I have always done. It was taken out of my account and appeared to be sent electronically from the way I view it at my bank. Fast forward a few weeks and I get a reminder from XXXX stating that my bill is due. This was unusual as I have never gotten this notice. I went on their site and checked and they had not received the payment, although it was removed and stated paid from my bank as it was removed from my funds. I waited until the day the bill was due thinking it would finally flush out and when it didn't, I contacted XXXX but I also when to their website and paid the bill directly. After calling Monday XXXX and speaking with someone about this I was told that they receive a money order for the payments and have been for a while. I told them we send it electronically and after speak with the credit card agency and my bank, it appears that the account number that was being listed in the memos was an older account of mine that had been closed due to a lost card back XXXX or XXXX. I then very patiently waited another week thinking it's just a miss communication and they'll see it and it will be credited to my account. A week later and still nothing. Now I went to my bank and pulled proof of payment for both payments of {$560.00}, one on XX/XX/XXXX and one on XXXX. I then then faxed this information with a detail of all that has happened just like this letter, to the number that they requested XXXX. I called the next day, XX/XX/XXXX, and had no resolve. I spoke with XXXX XXXX XXXX ) on XX/XX/XXXX and she called the accounting department and verified that they had received the fax ( I sent it 3 times! ) but advised that it would be handled in the order that it was received. She was nice enough to give me her name and number so I could call and follow up. Which I did yesterday and today, and no response and the original payment from XX/XX/XXXX has still not reached my account. My bill is due XXXX. I pay my bills on time and this one in full each month. I refuse to make another payment when they already have {$560.00} that they have yet to post to my account, that they have had for over a month now. Now, my patience has ended. I have no more time or energy for this and honestly, it should have been resolved from their end easily last week. Therefore I am reaching out to someone with power because although I have all this proof to back it up, I still have {$560.00} missing and although we all know that they have it, they are not crediting it to 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 monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: NE

Complaint narrative:
We are trying to refinance our home. Flagstar is who we are with now knew and knows that in the process they sent papers to USDA office asking assistance ( money ) Flagstar failed to submit all paperwork to USDA so they did not receive any money. But now Flagstar had a lein on us and they refuse to release the lein. They shouldn't have one on us to start with. So now they are refusing to release the lein so we can close on refinancing. Once we close they will get paid off and they refuse to. Please help us so we can refinance our home and get away from Flagstar they are horrible. Thank you! 
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 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently tried to take out a loan with people I thought were legit. Turns out they were fraud and reversed three big payments I had made on my debit card. I immediately went to my bank chase and had them close my account and reopen a new one with a new email address. I received my new debit card in the mail last week and as soon as I activated it the same charges were made on my account that I did not authorized. I have been transferred several times no one seems to want to help me Ive been given attitude and as I am filing this complaint I have been on hold with chase for almost two hours and no one seems to want to help me! Its been a week since this new charges have been made and I am yet to be helped correctly and professionally. I had a guy named XXXX who seemed as if he did not care to help me so I asked to be transferred to someone who can better assist me and he transferred me back to the retail department instead of someone else in the claims department! Completely unprofessional at his job! And I am still on hold with no one who seems to want to help me and do their job!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I called TeleChek on XX/XX/2022 and XX/XX/2022 to settle debt I found out I owed during a back ground check for an apartment complex. I was told that they no longer housed the debt on XX/XX/2022 and was provided a third party phone number to settle the debts which I took care of and was provided two reference numbers XXXX and XXXX for two payments coming from my bank account. I called telechek again today because the apartment complex said it still had not cleared the telechek system. I was then informed that they still showed I owed when i was originally told that the debt had been sold. i feel as though they are double collecting debts and now know that since this is a desperate situation for housing needs that i will pay regardless. this is urgent and needs fixed today as i will be 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 2022-08-23 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

XXXX XXXX XXXX  - Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX - Account # XXXX Late Payment reporting on XX/XX/XXXX 15 U.S.C 1681B - Permissable Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( 2 ). States a consumer reporting agency can not furnish without my written instructions.

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 2022-08-23 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

XXXX XXXX XXXX - Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX XXXX Account # XXXX Late Payment reporting on XX/XX/XXXX 15 U.S.C 1681B - Permissable Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( 2 ). States a consumer reporting agency can not furnish without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CT

Complaint narrative:
Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )

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 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXXXXXX XXXX  The problem si that the XXXX  banck of XXXX XXXX deos not report the mortgage Oln to the credit agnciese

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to plea for my dispute to be opened and attended to for my card ending in XXXX. Depsite XXXX attempts its been turned down on a higher level. On or about XX/XX/XXXX I purchased a 2 year term warranty from XXXX XXXX XXXX XXXX for {$5500.00} that was supposed to take effect on XX/XX/XXXX. On or about XX/XX/XXXX XXXX attempted numerous times to get in touch regarding my vehicle. After getting in touch, both XXXX and I were ignored, not answered, not helped, and not provided the service per the contract. XXXX ( the rep ) responded through XX/XX/XXXX without any further responses despite numerous attempts on my part which is very well documented. It is very apparent this is how your company operates, you can see it on the google reviews, and their XXXX  profile further proves your fraudulent company. I reached out on or about XX/XX/XXXX I attempted to dispute this initially. Ive worked managing gyms my whole career and Ive seen chargebacks go back a year due to contract charges and service not provided. The dispute team tried explaining to me I was a couple weeks outside of some 118 day window of dispute, but nonetheless the did attempt to open it, a rep called and explained I wouldnt be awarded my whole dispute amount but more of a partial amount for the months not used, I wasnt happy but I would accept it, then I get a letter saying there is nothing chase can do about the dispute. The company provided a forged signature contract so I uploaded evidence proving it was no where close to my signature or initials, then they said my repairs were not covered by the contract the contract CLEARLY states automatic transmission is covered and thats what my repair was, again in the XXXX line it mentions sensors in general which a sensor went out as well meaning the repairs ARE supposed to be covered. Go on XXXX  and XXXX read their reviews, this is what they have a pattern of doing ignoring the client then saying it was not covered whether it really was. They are a scam company. I am begging for someone to help me with this remaining {$1300.00}, a fraudulent company scammed me and instead of being protected by my credit card company I am told oh well. I am going to keep pushing this both with the company and with you chase bank even as far as small claims if need be. This is not ok, and as big of a company you are, I would of thought youd care and protect your clients much better than this, it is very negligent on your part. Im praying for help and that you do the right thing in this matter and push this dispute. I truly feel victimized in this situation, and am very skeptical about using cards and purchases. I Feel Chase has fully let me down and did not provide consumer protection as promised when using credit cards.

Company response to consumer: Closed with explanation