vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: FL

Complaint narrative:
I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXXXXXX 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 2022-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: OK

Complaint narrative:
Prior XXXX  case XXXX that says money was sent back and to call title company there has been no funds received to date we have no contact information for any one and to date we still have not received the over XXXX the mortgage company owes us. We have usps informed delivery there is no possible chance it was delivered somewhere else so the mortgage company is holding over XXXX k from a refinance that we do not have we want that money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have open credit builder account with self financial on XXXX XXXX mine payment was on time. 
But credit builder account with self financial was failure to report to all 3 of mine credit bureaus.

I was call in self financial, telling customer service about mine account was not report to all 3 credit bureaus. They said will fix it for me but never happen. 45 day later i was send them the email, self financial respond the email to me said they will fix it for me, but never happen again. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I became a victim of fraud and embezzlement by trying to help a supposed friend/partner XXXX XXXX scam ) who claimed to be in the military and said he did not have access to his own money to pay for storage security ( of {$1.00} in gold bars ) and XXXX customs XXXX This covers a time frame of XXXX 2020 to current, and involves 4 banks ( one of which has cleared my account in full and sent a check to me for fees paid ). I have a number of promise notes from the suspect 's attorney but none of them paid me back. I spoke to my pastor in XXXX 2020. It was then I realized that I was scammed. I filed a police report, FTC report, and National elder abuse report all in XXXX of 2020. I have sent a number of faxes to all four banks to show that I was a victim of fraud and embezzlement. Two of the banks have now turned over the issue to a debt collector. My only income is social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I always call credit acceptance to help me with my bill and everytime i call i get a customer service advisor forcing me to pay up and asking XXXX dollars even when i miss my payment agreement vs me comminuting with to make a payment agreement to a different date I feel like im always get treated disrespectfully everytime i call.

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 2022-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have a store credit card with both XXXX XXXX XXXX XXXX which is handed by Comenity Bank. They supposedly did a system update on their web site about a month or so ago XXXX 2022, which I was not able to even access my account during that time. I called the customer service number provided and all it is was a recording saying to to call back at a later time and then it would hang up. I tried several more times for days after, and always got the same recording and hang up. In the meantime, I got a email saying my automatic payment information is no longer valid and my banking information needs to be updated, so automatic payments can not be processed, even though none of my banking information has changed. I went to the web site for both cards and updated it, even though nothing had changed, and it still did not accept my payment. After over an hour of messing around on their web page, I was able to get my XXXX payment to go through. I went to both pages, re-signed up for automatic payments, and waited to see if my Women Within account would be paid on XX/XX/XXXX, and it was not. I tried to manually pay, and it said it went through, but there is no refection of that on my account. Last month, XX/XX/2022, I had to manually pay, which also took four days to achieve, and they charged me a late fee, even though it was an issue with their web site and I tried everything in my power to make my payment. It was due XX/XX/XXXX and I was not able to get the payment to work until XX/XX/XXXX. I have tried to contact them via their web site and all it is as an automated response. I called the phone number, several times again, and it now says I am " not the authorized account holder '' and will not allow me to even find out my balance online. I am not sure how they can determine if I am the authorized account holder when all I did was enter my account number. I did send a message to the Comenity Bank XXXX page, but have not had a response yet. The XXXX page is the only place they have had anyone from that company respond to the numerous complaints about their service on their posts. I do not want their incompetence and lack of customer service effect my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX signed up for a Chase Freedom XXXX card with a promotion of XXXX ( total of XXXX ) points per dollar on grocery spending for 12 months. Worked fine until XX/XX/XXXX then stopped crediting properly. 
In late XXXX I contacted Customer Service and was told all is fine. In XXXX I contacted again and in XXXX I got a letter stating my purchases don't qualify as they are not XXXX or XXXX purchases which is a separate quarterly promotion the card had. 
XX/XX/XXXX I contacted the XXXX XXXX and representative XXXX told all is fine and points will be credited within a few cycles. Didn't happen. 
XX/XX/XXXX I used Chase 's XXXX XXXX system to request a detailed report of all XXXX earning for this card. Went back and forth with reps who weren't reading my request to be told by one that they don't have access to that information and only I can view the past 3 months worth online. 
XX/XX/XXXX I contacted the Executive Offices again providing a detailed spreadsheet of each transaction on the card with missing points earning and where the bonus would be coming from. 
Heard back on XX/XX/XXXX from representative XXXX leaves voicemail confirming receipt and opening a review. 
On XX/XX/XXXX, XXXX & XX/XX/XXXX I called representative XXXX leaving voicemail requesting update. No responses received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting Act. XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX BANK OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX OPENED XXXX XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED ) XX/XX/XXXXXXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX  OPENED XX/XX/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 an account 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 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$170.00}

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 non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I receive regular emails from Chime that I have sent money to various individuals from my account. I never heard of Chime before this, I never asked for an account, and sure don't recognize the supposed recipients of my largesse. I am not aware of an account number, only that Chime claims I am sending money to individuals. I want these scam artists to go away and remove any trace of my existence from their ledgers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: FL

Complaint narrative:
XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I just received a letter at work stating my wages would be garnish without any proof that account was mines. I never received any verification it's indeed my account and or how the account existed I tried calling the number but the lady couldn't provide information on it and i tried emailing but the email isn't real

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo XXXX credit card account was opened in my name on XX/XX/22 and used the same day without my knowledge. I have learned when I receive the welcoming package for this fraudulent credit card on XX/XX/22 and went in person, on the same day, to the Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX to show letter and cancel this XXXX account immediately. The manager contacted Wells Fargo Fraud Dept that close the account in the system. On XX/XX/22 i received the XXXX credit card bill of {$710.00} ; account I did not open and trusted it was cancelled as fraudulent one month ago, and at the same day, I contacted XXXX credit card to confirm this is a fraudulent account and it was supposed to be cancelled in the system. I was transferred to the Fraud Dept at Wells Fargo, which open the cancellation # XXXX and did nothing else ( I thought this was done on XX/XX/22 when I went in person to the Wells Fargo Bank ). On XX/XX/22 I received again the XXXX credit card bill to be paid by XX/XX/22. On XX/XX/22, I called XXXX Wells Fargo credit card again and was transferred this time to the Wells Fargo Executive office that issue case # XXXX. They guaranteed I will not get more bills. On XX/XX/22 I received a letter from Wells Fargo Collection stating that " my credit card account remains past due '' - it is attached for your reference. On XX/XX/22 I called the number on the letter that is the Wells Fargo Collection Dept that knew nothing about Fraudulent account and transferred me to the Wells Fargo Claims Dept, which asked my information that Wells Fargo possibly does not have other than my name, address without apt number. I refused to give that person on the phone my social or date of birth. She got rude and it was so upsetting to me that I needed to hang up. Wells Fargo Bank N/A has all the recordings of my calls and it should be taken care of it and nothing has been done. The Wells Fargo bank has been dragging this {$710.00} bill ( actually currently {$740.00} ) for 3 months! This is really not acceptable and this bank needs to respect our time and do the correct action. This bank should close as customer service is not in its priority list.

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 2022-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/22 I received an alert from chase stating that Someone by the name of XXXX added themselves on my chase XXXX  account and tried to XXXX  {$1000.00} and {$200.00} from my checking account. I immediately called chase, the agent told me she was able to stop both transactions. An hour later I noticed the {$200.00} did get deducted from my account. I went into chase and the agent told me she would send a claim to recover my {$200.00} and change all my account information. A few weeks later i was told my claim was denied do to the IP address being in the same location. For over 2 months Ive contacted chase to show me proof on how they came down to this decision. The claims department said they can not mail any information regarding this investigation. I dont know who this person is and I called chase immediately to stop all pending transactions. I dont understand how chase allowed money to be withdrawn from my checking account. Absolutely no one has access to my phone or computer besides me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account 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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: IL

Complaint narrative:
The business Albert XXXX won't pay out new account sign up bonus even though all requirements are met. 

I got referred to sign up a new account on Albert a few months ago. The term mentioned that if I have more than {$200.00} direct deposit from day1-30, day 31 to 60, and day 61 to 90, as well as spend {$100.00} using its debit card during the same bonus period, I should be able to receive {$500.00} bonus. However, in my case, I have already met all requirements, but has not yet received the bonus.When I reached out their support, their first reply was there's no promotion code on my account. This is insane, since I do received a message from them that I'm qualified for this bonus. I also provided screenshot and other information as much as I can. The support still would like my friend who referred me to reach out to them and provide information, which I also did. Even worse, now they admit that I'm qualified for the promotion, but they started to complain about my spending on the card. 

In short, I don't see the business wanting to pay out the bonus as their terms say. This is the reason I'm filing this complaint, and I would like to receive my $ XXXXbonus for meeting all requirement on new account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: IL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX. My phone number for Albert Bank is # XXXX. My Albert linked email address is XXXX. 

My husband XXXX XXXX referred me to Albert Bank in XXXX. There was a {$500.00} sign up bonus by his invite link. For the terms and conditions I need to have direct deposited my income to the Albert account for at least {$200.00} and spent at least {$100.00} by the debit card issued per month. I fulfilled all requirements and Albert didn't issue the sign up bonus. 

Also, I have referred my friend XXXX XXXX ( phone # XXXX ; email : XXXX ) and she successfully fulfilled all requirements. However, Albert refused to honor the bonus for her. Also if she gets a {$500.00} bonus, as a reference I should receive a {$500.00} referral bonus too. 

Albert told my husband XXXX said it is not a scam. However, Albert refused to honor their sign up bonus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation