vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Originally, I made a payment on my Comenity XXXX XXXX account of {$920.00} that paid the statement balance in full. Comenity mis-posted this payment to my XXXX XXXX account, with no balance, that resulted in a negative balance of {$920.00} on that same XXXX XXXX account. My Comenity XXXX XXXX account was now past due with the amount of {$920.00} plus fees. 

I contacted Comenity regarding the mistake they made in the posting of my XXXX XXXX payment. Furthermore, as instructed by Comenity, I disputed the overdue charges of {$920.00} on my XXXX XXXX account in writing. I provided written evidence that Comenity had mis-posted my XXXX XXXX payment of {$920.00} to my XXXX XXXX account that now had a negative balance of {$920.00}. 

XXXX agreed that they had made a mistake and would make the corrections to ensure the {$920.00} payment would be applied correctly to my XXXX XXXX account along with removing any interest accrued and late fees. In doing so, Comenity was to remove the credit balance from the XXXX XXXX account. 

Comenity made another mistake while trying to correct its first mistake of the mis-posted payment. In trying to correct the mistake, Comenity then double charged back my XXXX XXXX account and then double credited my XXXX XXXX account. At this point, I now had a negative balance of {$920.00} on my XXXX XXXX account and a positive balance of {$920.00} on my XXXX XXXX account. 

I called the XXXX XXXX to attempt to advise them of the second mistake and that I did not owe any money on the XXXX XXXX or XXXX XXXX card. This was Comenity making continued mis-postings to my accounts. I was advised that it would be corrected by the Comenity representative. Unfortunately, it was not corrected, and I called again. Again, I was advised it would be corrected and it was not. I was then sent a check by Comenity for my negative balance on my XXXX XXXX account. 

I advised the representative that I would not cash the check, because the money is not mine. The representative said that they would put a stop payment on the check and correct the two account balances to where both would be {$0.00}. Again, this did not happen. 

I do not owe Comenity any money on either account. Furthermore, I will not provide Comenity any money. This is all due to Comenity making multiple mistakes regarding my original payment that was to be applied to my XXXX XXXX account. Comenity has shown a lack of regard in even trying to correct its multiple mistakes and has now wrongly reported late payments to my credit reports. Comenity could easily resolve this issue, but has chosen to not even try to figure it out. Please ask Comenity what are the charges that resulted in the balance of {$920.00} on my XXXX XXXX account. There are no charges on that account. Only Comenity 's continued mis-postings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX XXXX XXXX and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.

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 2022-01-12 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: FL

Complaint narrative:
There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX XXXX XXXX and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have two criminal records on my background check- and they are both in California. 

First one from XXXX : It seems to be a speeding violation related event for trucks. I do not own a truck, nor I had any driver licenses in California at that time. I was a XXXX XXXX XXXX and I worked in XXXX at the time. 

Second one from XXXX : I was not even in California state for XXXX at all. It is beyond me what this record means.

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 2022-01-12 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2021 I requested for these companies to provide me proof of signature in black ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX AES/SUNTRUST XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/XXXX or XX/XX/XXXX I received a " Fraud Alert '' text on my phone for my CitBank Credit Card I immediately responded that this was not made by myself or my wife the card was immediately canceled and another card was issued unfortunately the perpetrators charged {$960.00} on XXXX trips and XXXX eats from XX/XX/XXXX to XX/XX/XXXX in XXXX XXXX, California My wife and did not make any of these purchases, and reported it to Citibank Citibank transferred me to their fraud department in which we answered all their questions. They told me I must pay the transactions and later they will reimburse me once the investigation is completed. 
I then received a letter stating they find me liable for all the transactions. 
I then disputed it again and they said they needed further questions. I answered all of their questions and tried to supply more information, but they only wanted their s specific information. 
I then received a second letter that since the credit cards were in my possession, that I am responsible for the {$960.00}.

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 explanation
Consumer complaint received 2022-01-12 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: AR Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I requested for these companies to provide me proof of signature in black ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On XX/XX/2021 I requested for these companies to provide me proof of signature in XXXX ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

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 2022-01-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am working XXXX XXXX  since XX/XX/XXXX to present. Today, XX/XX/XXXX at XXXX, I received a call from my place of employment which is the XXXX XXXX XXXX XXXX I was informed that Check n go has been calling several times repeated each day and claimed that they are a collections dept. I was given the contact phone number which is XXXX and they answered collections dept. I informed that I do not have a pending debt with them but I was a previous customer and informed of the situation. The person I spoke to by the name of XXXX informed me that I do not have a balance and that I would receive an email with a verification letter. At XXXX today, I received another email from work informing me that they have been calling 3-4 times a day! I will also seek legal advice!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had sent in a police report to transunion for a auto loan that was the result of identity theft to all three credit bureaus. XXXX and XXXX removed the fraudulent auto loan from my credit report where my identity was stolen which was used to acquire a $ XXXX auto loan from XXXX XXXX in my name in which the thieves allowed the loan to go delinquent and leave me with a charge off after they used my identity. Transunion rejected my police report and opened a reinvestigation and haven't responded back to me with the results or even acknowledged the police report which provided all the information and there was no lack of sufficient evidence. I already spoke with the bank themselves and flagged all accounts as fraud and told them that none of the actions within XXXX XXXX was me.

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 2022-01-12 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America is not refunding our credit card after multiple fraudulant transactions. At first they credited our account and we thought this was resolved. Then they sent us a letter stating we were wrong and are now putting the charges back on our card. The fraudulent charges were made online according to the credit card statement so clearly it looks suspicious from the start. It shows that we ordered XXXX 3 times on XX/XX/XXXX, 2 times on the XXXX and 2 times on the XXXX. Why would we order XXXX multiple times in one day. We also had fraudulent charges at XXXX 's as well on XX/XX/13 on the same day. We did not make these purchased. We are asking for our money back and to have Bank of America hold the vendor accountable. Please refund us our money.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Chase closed my XXXX XXXX XXXX credit card without any prior warning or alert. I noticed that the account was closed on XX/XX/2021 when I signed into the account. This was a surprise to me as I do not have any problems or issues in my credit. I called Chase Customer Service and was told the account was closed on XX/XX/XXXX. I had accumulated rewards in the amount of {$250.00} and was told that I had 30 days from the date when the account was closed to access the rewards or they would be lost ( this was reiterated in writing on XX/XX/XXXX ). I was unable to access the rewards due to an error showing up on the website. In the XX/XX/XXXX phone call, I was told a request would be put in so that I could access the rewards. I also requested that they reinstate the account since I was not given notice and all my accounts and credit are in good standing. I called Chase again on XX/XX/XXXX and was told my account was reactivated and I may use the card and access the rewards. The account still appeared closed on my Chase portal but I was reassured that the account was open and the status showing on the website would update in a few days. On XX/XX/XXXX, I was able to transfer the rewards into the account which now shows as a credit of {$250.00} in the account. I attempted to use the card but it was declined. I received a letter on XX/XX/XXXX that I may not access the rewards and the account remained closed. This letter appears as the only letter in the Letters and Notifications folder in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I had sent in a police report to XXXX for a auto loan that was the result of identity theft to all three credit bureaus. XXXX and XXXX removed the fraudulent auto loan from my credit report where my identity was stolen which was used to acquire a $ XXXX auto loan from navy federal in my name in which the thieves allowed the loan to go delinquent and leave me with a charge off after they used my identity. XXXX rejected my police report and opened a reinvestigation and haven't responded back to me with the results or even acknowledged the police report which provided all the information and there was no lack of sufficient evidence. I already spoke with the bank themselves and flagged all accounts as fraud and told them that none of the actions within Navy Federal was me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am the consumer, natural person, and original creditor. Equifax/The Work Number shared my nonpublic personal information with XXXX XXXX  XXXX XXXX XXXX without my written instruction therefore causing me to be denied XXXX benefits. Pursuant to 15 USC, 1681b, Equifax violated had no permissible purpose to provide XXXX XXXXt XXXX XXXX XXXX with my nonpublic personal information. Pursuant to 15 USC 1681n, Equifax/XXXX XXXX XXXX willfully failed to comply with 15 USC 1681b which requires it receive written instruction from the consumer before furnishing my consumer report to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Grain Technology, Inc.
State: IL

Complaint narrative:
Trygrain.com is a digital app on XXXX  that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over 50 points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX son. I need good credit to get a good apartment. This company just destroyed that!

Company response to consumer: Closed with explanation