vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I was under the Covid 19 forbearance. No negative information was reported during such time. My loan servicer changed from XXXX to XXXX within that time. XXXX requested I pay the deferred forbearance loan upfront. I informed XXXX that I was unable to pay the deferred amount but since my loan was under Covid 19 forbearance Id like proceed with the loan modification. Once again no negative information was reported at such time. In XX/XX/XXXX I was informed to complete paperwork to process the loan modification which required 3 payments of {$2200.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All payments were made and received by XX/XX/XXXX and the loan modification was processed. After the last payment was in XXXX for the month of XXXX, XXXX reported my account deliquent to the credit bureaus on XX/XX/XXXX. First payment under the modification is due XX/XX/XXXX. My complaint is that XXXX reported my account deliquent which caused my credit score to drop over XXXX points. I've disputed the information with the credit bureau to which they reported only the information has been updated to include the trial payment but all else will remain on my account. Also I do need to report that while making the XXXX trial payment XXXX also sent me a few letters stating that my account was facing possible forclosure if the forbearance balance was not cleared. I disputed the information with XXXX via phone to which countless representatives informed me to ignore the letters as it was standard process. However these letters still were being recieved on my end and I felt in danger of losing my house. I reported XXXX to the XXXX XXXX XXXX XXXX services. XXXX quickly responded to XXXX in which they expressed mistakes on their part.

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 2022-06-28 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: CA

Complaint narrative:
I use a visa credit card I signed up with through XXXX XXXX Rewards and Im only allowed to make payments online through then with Comenity Bank/Bread XXXX XXXX Their website has been down since I wanted to make a payment on Friday XX/XX/22 and theres a notice about a system wide update and was told by them that theyd have things up and running on Monday XX/XX/22 but it just says the maintenance is taking longer. I tried calling their customer service number multiple times to try and make a payment and was told due to unforeseen circumstances, our offices are closed. I cant even get a hold of a representative. Ive gone to their official XXXX page and all they keep saying is that maintenance is taking longer and so many customers have said its been down for longer and that no one is able to make payments, not even pre-scheduled payments. Ive kept trying and havent had any luck to be able to just pay my balance. This is getting ridiculous and I dont want to be charged for late fees! They havent even been telling anyone what will happen since they havent been able to make a payment. This is ridiculous and making me and many customers anxious!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armcon Corp
State: CA

Complaint narrative:
These 2 accounts from the same company were wrongfully documented and incorrectly pinned under my name.One was resolved and removed from my credit report, but the second one is still on my record/XXXX  credit report showing a balance of {$400.00} opened XX/XX/XXXX. I do not have any knowledge of this company as they still have never provided their services that was authorized by me ; therefore, I have directly mailed the company, Coachella Valley Collections Services, certified letters 3x ( dated XX/XX/XXXX, XXXX, & XX/XX/XXXX ) in the last 7 months to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to request for them to verify and validate this account to me and my name. Each time, the company has failed or neglected to respond back to me with any correspondent as well as any evidence. Since they were unable to and have never responded to me nor provided any evidence to prove this is me and this debt belongs to me, I demanded that they corrected this mistake by reporting this mistake to all 3 of the credit bureaus. This collection debt has been removed from my name with XXXX and XXXX only. I am requesting assistance to do the same for my XXXX account and name immediately. I have attached e-copies of the receipts with tracking numbers of the 3 certified letters I have mailed to them directly as my proof to support my claim : 1 ) 1st certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX 2 ) 2nd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX 3 ) 3rd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: CA

Complaint narrative:
Im again submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please see the following information is obstructed from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would attest that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. 

XXXX XXXX BV XXXX XXXX, CA 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 2022-06-28 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-06-28 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NC

Complaint narrative:
I'm writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these 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 2022-06-28 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: NC

Complaint narrative:
I'm writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-06-28 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 a 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 2022-06-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My dispute is with a Wells Fargo ( WF ) credit card. I established my WF account when I was XXXX XXXX XXXX and was a customer for nearly 8 years without complaint. In XX/XX/2020 I went in to a local branch in XXXX, FL with the intention of canceling my credit card with WF. I paid approximately XXXX dollars to close the account out with a XXXX dollar balance and closed both my checking and saving account and moved my primary credit card over to XXXX XXXX. About 8 months later, an apartment renter 's insurance company charged my WF card for about XXXX dollars for yearly renters insurance. I was assured that my WF card was closed when I went in originally in XXXX and as such, WF should not have been able to process the charge 8 months later.

Now, nearly a year and a half later I am still getting charged for this fraudulent use of my card for which the account was closed out in full and should not have been able to be charged in the first place. this has ruined my credit score, my other credit accounts have had their credit limits reduced due to this mistake and I am continuously being harassed to pay back WF over XXXX dollars in late fees. I have tried reaching out to WF multiple times and they have not resolved this issue. This is affecting my life years later and I demand that my credit score be restored to its original score in the 720+ range.

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 2022-06-28 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: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, there was an {$1000.00} unauthorized transaction made from my cashapp account. The money was taken out of my bank account, I did not make or authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: FL

Complaint narrative:
For days I have been trying to pay my Comenity Bank Zales credit card bill. Their websiye states that they are updating but it hasnt worked in almost a week. I tried calling to make my payment and they state that they are closed and I am unable to make a payment over the phone. I am concerned that I will receive an Over 30 on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 a 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 2022-06-28 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: MI

Complaint narrative:
I sent my letters off on XX/XX/22. I told the credit bureaus " to investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and the tracking numbers. According to the FRCA the term " investigate consumer report '' means a consumer report of portion thereof in which information on a consumer 's 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. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. I have sent multiple letters to all three credit bureaus and i will list the tracking numbers below as proof that they have received these letters as well as been notified of the inaccuracies which are negatively affecting my report but still refuse to follow the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KEYCORP
State: MA

Complaint narrative:
Key Bank. I had a car loan with XXXX as well. {$600.00} a month was going missing from key bank. I asked them many times to stop giving my money away to someone who was not me. My identity was stollen. And I keep getting additional bills from key bank. I had too close account to stop the theft. {$350.00} the are still trying to get out of me. I am XXXX. It affects my current loan greatly. I can not get a regular loan from this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: CA

Complaint narrative:
My name is XXXX XXXX with a wise member number : XXXX which my account was deactivated by wise wrongly and Wise has stolen my money Email address associated with the deactivated wise account is XXXX I had Funds into my wise account in different currencies such as British Pounds, XXXX Dollars, XXXX and XXXX XXXX making thousands of dollars. 

I previously submitted an appeal to have my funds sent to an account provided but unfortunately the bank I previously submitted which is XXXXXXXX XXXX  with account number XXXX has been closed I wrote again to Wise on chat with a wise agent XXXX by submitting my current bank details and my identification documents including a selfie holding my ID card which she asked me to which my refunds are to be paid into by Wise. I was told it has been forwarded to Wise relevant teams to send my refund. I asked for a proof that it was forwarded to the relevant teams and I got an official email from Wise agent by name XXXX confirming that my new bank details has been submitted to Wise for a refund and that I would receive my funds within XXXX days but I have not received. 



Here is my new account details which I submitted to wise : Routinng numberXXXX Account number : XXXX Account name : XXXX XXXX I need this funds immediately as wise is accused of stealing people 's fund. I have read thousands of cases on XXXX and XXXX from wise users who are going through same issues All my funds in different currencies should be converted to US dollars and sent to me in my account details I have provided which is Routinng number:XXXX Account number : XXXX Account name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NJ

Complaint narrative:
The Comenity sites, call centers and easy pay access are not working since XXXX XXXX. I have tried every possible way to make a payment to no avail. They have a generic response on XXXX starting that their scheduled maintenance is taking longer than expected. I fear that this will result in a late payment by no fault of my own. There is no information available and no clear response. I am not the only one, XXXX feeds are full of other customers who are experiencing the exact same issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have an acountt in Bank of America ( CA ) and I have an account in XXXX ( XXXX XXXX  ) in US dollars. 
When I try to send dollars from my account in california to my account ( in dollars ) in XXXX will not allow me to do it, only aloud me to do the transfer and reciving the money in Euros.

I need to get dollars to my account at XXXX in XXXX not Euros. 
Bank of America force me to do the currency echange with them at a very high exchange rate.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have several credit cards with Comenity Bank, XXXX XXXX, Sony, XXXX XXXX is my due date and is imposible to make the payment, I have been trying to get online to pay my bill that was due today. Site down all day long. it's been down for days with no communication. So I have no way to make my payments, customer service number says " due to unforseen circumstances our offices are temporarily closed. ''

Company response to consumer: Closed with monetary relief