vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX Received bill from Comenity Bank late and paid immediately in full {$180.00} Between XX/XX/XXXX and XX/XX/XXXX received numerous phone calls from around the country some from Unknown number. They did not leave a message. 

On XX/XX/XXXX I finally answered one of these phone calls. I was advised it was Comenity Bank and that I missed a payment. I told them I would look into it and be back with somebody in the afternoon. I spoke with a supervisor in the afternoon who immediately put my account in dispute. He also said all late fees and interest would be reversed. He asked me to send a copy of my canceled Check front and back to an address that I verified with him. I did so immediately. 

I followed up on XX/XX/XXXX and was told that they still had not received the payment and they still had not received the copy of the canceled check that I mailed. I was advised to wait a few more days and that they would be in touch with me. 

On XX/XX/XXXX I received a letter from Comenity Bank saying that my account was in dispute. It was dated XX/XX/XXXX. 

On Saturday XX/XX/XXXX I started receiving phone calls again from around the country. At the same time I received an email from XXXX XXXX saying that I had a late payment from Comenity Bank and my credit score dropped over 100 points. I immediately called Comenity Bank and was told that my account was no longer in dispute and that I will be getting a letter in the mail with instructions. I asked to speak with a supervisor and was hung up on. 

On XX/XX/XXXX I called Comenity Bank and spoke with a supervisor. I was advised that they still had not received my payment nor had they received the copies of my canceled check. She told me to follow the instructions on the letter. I immediately set up an online Account and with help from my sister was able to PDF my canceled check directly to the company. I called back two times and asked for a supervisor and was hung up on. 

As of today, XX/XX/XXXX I have not heard from nor received any correspondence by mail from Comenity Bank. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I made the complaint on or about XX/XX/year> to XXXX. I went to make a purchase a my local XXXXXX/XX/XXXXXXXX store. My purchase was declined and I knew I had a balance of {$380.00} the previous day when i left my local XXXX. I was told by a XXXX XXXX card rep that a purchase of XXXX dollars was just used on my card at a place called XXXX, in COLORADO, I knew nothing of this place. They assured me this matter would be handled within 45 to 90 days. I contacted them regularly to find out that they did not have answers for me and eventually said it was my own doing and they would not refund my money. 
In XXXX I then contacted the XXXX whom said the Merchant was not in complaince and they were not willing to refund the money. 
XXXX i received in the mail a XXXX gift card with a new balance of {$1.00}. 
i would love to have help with the recovery of the {$380.00} that i did not use and was taken off my card without my permission. 
an added note : when i tried to make the purchase at XXXX XXXX XXXX in XXXX NC, the attendant actually typed in XXXX after i told her the amount of XXXX that was on the card and then she swiped it. but it declined. 
XX/XX/XXXX Store # XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My card was compromised with {$14000.00} of charges i did not make. My typical monthly charges on this card ( BJs-Capital One ) are between $ XXXX. I received a statement with over {$14000.00} of charges. Capital One never notified me that the charges were high. I had to call them and stop the card usage. They told me that i approved another user which was in error. With my help we identified the fraudulent charges... ..unfortunately, Capital One sent a letter to my home address with the persons name that fraudulently used my card. I again had to call and get that corrected. That is a huge quality error on capital ones part. I am a XXXX XXXX  and they treated me with disrespect and inappropriately. This error made me feel like my information XXXX have gone to someone else in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
These inquiries aren't mine, and I have no connection to the listed creditors. Please remove them from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-14 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

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 2024-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
My previous complaint XXXX was closed after the servicer responded with inaccurate and unhelpful information. The servicer made me reapply for the Income Driven Repayment plan after having approved me. I gathered all the documents and reapplied at the beginning of XX/XX/year>. I just received a letter stating that they have denied my application. So I am back to square one again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian continues to show the following under comments for my XXXX mortgage account Customer under partial payment plan This is not true. I am not under partial plan. XXXX has confirmed this was removed. I submitted a dispute. The dispute was finalized today, but it still shows that comment. That comment is affecting my credit score with Experian. I have requested this several times and I can never talk to an agent to figure out what is going on.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX  XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

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 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I was contacted via XXXX XXXX by a scammer XXXX XXXX who scamming partner XXXX XXXX worked together to scam me. 
I got proof of the email messages and messages through XXXX that was sent to me. 
I got proof of the messages that was sent to me on signal messenger to. XXXX XXXX instructed me to send {$100.00} by XXXX to XXXX XXXX who is a scammer himself. 
I wrote XXXX back in XXXXXXXX XXXX  letting her know I wanted to cancel with her because she is a scammer. I asked XXXX XXXX for a refund. XXXX promised me a refund in the XXXX messenger chat. I never received a refund from her, and she kept the money that I sent to her. I contacted Cash App on multiple times about the issue with me being scam by XXXX XXXX and XXXX XXXX. Cash App refused to file a claim and help me get my money back. I told Cash App that I was scammed by these two people. Cash App is a XXXX  Corporation there is no way they shouldn't be helping their customers. Cash App has a lot of complaints similar to my complaint by other people. I'm very unhappy with Cash App Corporation. Cash App should have taken action against these scammers and help their customers. Cash App should have helped me since I've been a customer with them for years. Cash App President needs to investigate this complaint. Cash App is a failure because they failed to help me with my dispute to get my money back from this scammer. I used Cash App when I got scammed by those people from XXXX. I will be willing to go to the news media and XXXX about my complaint against Cash App for not helping me, get my money back from the people wo scammed me. Cash App denied my dispute either though I told them I was scammed by those people who I sent money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
Sallie XXXX called me last month in XXXX to let me know my loan was 60 days late, I spoke with rep and told them that is not correct that the payments have come out of my account every month, she asked if i can up load proof on website which I did. She was also confused because she saw my payments. She told me she was going to escalate this and someone would reach out to me. NO one called me. today XX/XX/year> they called me to tell me my account is 34 days late?? Im so confused I told her thats wrong their records are a complete mess. They take my payments every month on the XXXX of the month and somehow not sure why they dont update their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates is not working with me to validate or verify the debt they have placed on my credit reports. I have reached out to them via mail on several occasions to which they only validate the debt by sending a letter saying its mine. They have not provided any supporting documentation to prove their claims against me. 
I have also made them aware that I am the victim of identity fraud and included supporting documentation by providing them with the actual police report and the person responsible for the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My payments went up $ XXXX and I was never told for about 2 years I was never sent an email or a phone notifying me of this nor an update on late fees on the missing amount so they would just hold the payment I sent in on time and not apply it to the payment due but would hold it till the next month causing damage to my XXXX XXXX and charging me late fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received an email saying that my credit score has changed. I clicked on the link to see my credit score through credit karma. I see that my credit score has dropped XXXX points in total. Once I clicked on the tab that said see what changed I seen that I had two accounts open. I was not familiar with the credit card that was on my account stating I was 30 days late from JPMCB. I dont own a credit card and this account was opened on XXXX XXXX without my knowledge. It caused 2 hard inquiries so I called the bank to see more information and they told me that I didnt apply to open an account and that they were going to close the account and then told me to call the 3 credit bureaus to get the account closed and disputed on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting 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:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently discovered fraudulent accounts on my credit report that are affecting my ability to secure credit. I kindly request the removal of these accounts from my report. 
XXXX XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$2500.00} XXXX XXXXXXXX - XX/XX/XXXX - {$500.00}

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good day Iam XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name : XXXX Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/XXXX XXXX  Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old I have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help, XXXX 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 non-monetary relief