vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This complaint arises from Comenity Bank 's failure to honor the " pre-qualification '' offer dated XX/XX/2022, failure to timely approve my application to use my " new account right away, '' and discrimination in processing and denying my application for the XXXX Credit Card. 

XXXX XXXX XXXX XXXX teamed up with Comenity Bank to create a " XXXX Credit Card, '' which provides " instant savings '' in the amount of the sales tax paid on qualified purchases. On XX/XX/2022, I received an email that indicated I was " pre-approved for a NEW XXXX Credit Card, '' which included a promise that I could use my " new account right away! '' The XXXX credit card pre-approval offer expired XX/XX/2022. 

Comenity Bank refused to honor this pre-approved offer and required me to submit an online application, which I completed on or about XX/XX/2022. I placed an order with XXXX XXXX XXXX XXXX on XX/XX/2022, and XXXX XXXX XXXX XXXX promised to honor the instant savings if I was approved within 30 days of the purchase. The tax on my order, which represents the promised savings, was {$160.00}. 

Sometime after this application was submitted, I received a letter from Comenity Bank, addressed to me, using my home address, instructing me to call the Comenity Bank fraud line, which I did. I answered all of the questions during the call. 

On XX/XX/2022, I received a letter from Comenity Bank stating " ... we are unable to approve your application for a ( n ) XXXX XXXX XXXX XXXX Credit Card for the following reason ( s ) : We are unable to verify your identity. '' The letter was signed with a generic " Account Protection team. '' The alleged failure to verify my identity was disingenuous as a a basis for denying my application and was clearly age discrimination. Important facts that I provided to Comenity Bank, in an effort to resolve this matter, include : 1. I have been a long-time customer of XXXX XXXX XXXX XXXX ; 2. I held a XXXX credit card issued by the previous bank XXXX XXXX  XXXX used ; 3. I have lived in the same house for 30 years ; 4. I have worked at the same employer for over 30 years ; 5. I used an long-established phone number and email address ; 6. I have excellent credit that is well established and stable ; and 7. I responded to a Comenity Bank letter that was directed to me at my residence. 

The only viable explanation was Comenity Bank 's discriminatory practices or ratifying the discrimination of its employees and agents. 

As a result of Comenity Bank 's illegal actions, I lost {$160.00} in " instant savings '' and a great deal of time in attempting to resolve this clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022 out of the blue, I received letters ( attached ) from Bank of America ( BOA ) stating they were closing my accounts due to " my risk profile no longer aligns with the ban 's risk tolerance ''. 
No prior contact with the bank was received by us to alert me of this or why, even though we have been a BOA customer for XXXX and never had any issues. 
After receiving the letters we went to our local BOA branch to find out why this was occurring. 
They stated they could not tell us why and to call the main BOA number. 
We called as instructed and spoke to a representative who also told us they could not tell us why and to call XXXX XXXX a credit reporting company they had listed with the BOA letters. 
We then called them and spoke with a representative who said we would have to request a report which should tell us why. 
We received the report, but it still gave no reasons why the action was taken other than a cryptic key factors note stating : " The status of the relationship with the inquiring bank '' and " The consumer 's transaction activity over the last 30 days is out of pattern when compared to the prior 180 days '' Obviously this does not answer the question specifically as what triggered this cancellation. To my knowledge we had no out of pattern transaction activity. 
So I am looking for your bureau to help me in finding all the background as to why BOA made the decision to cancel all my accounts. I feel I certainly that I am entitled to know the background facts as to why they did this to our accounts. 
Hope you can help.

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 2022-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
First off let me say I am grateful that XXXX of my loans have been forgiven under the updated PSLF guidance due to the pandemic. With that said I did not get a chance to consolidate my loans before Fedloan reviewed my account for forgiveness. On XX/XX/2022 before I consolidated my loans and submitted my employment verification my account was reviewed and loans were identified and forgiven. Due to this happening before I was able to consolidate I now can not utilize that payment count across all my loans. I reached out to Fedloan asking what I can do to revise this and they noted there was nothing I could do since the action was already taken. If I consolidated my loans before they forgave the XXXX loans that had XXXX payments, that payment count would have been applied to the new consolidate loan and all my loans would have been forgiven. Is there any options available to reconcile this? I know others who are in the same situation as I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I received a wage garnishment order ( XXXX ) from my employer dated XX/XX/2022 from XXXX. Prior to receiving this notification I had no previous contact or notification from XXXX. I contacted them to request a dispute several times due to the amount of interest and fees I the amount of {$7000.00} on a credit card bill with a balance of {$3500.00}. I think that is very excessive seeing what they most likely paid for the debt. I never received any information that would allow be to file a dispute. I have also requested a hardship form be sent to me several times which I have not received. There was never a judgment filed that I am aware of. My pay is now being garnished to the tune of over XXXX a month which is putting my other bills behind and I am also in jeopardy of losing my job because of this.

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 2022-05-16 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 US.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 2022-05-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.

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 2022-05-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
I received a copy of my credit report and found multiple in accuracies ; XXXX account number XXXX also XXXX XXXX account number XXXX report across all three bureaus are different. 
2.Report as closed account on experian but report payment activity on XXXX 3 XXXX Report different dates of the last payment on each bureau. 
4. payment history differs on all three. 
Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).

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 2022-05-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a copy of my credit report and found multiple in accuracies ; XXXX account number XXXX also XXXX funding account number XXXX report across all three bureaus are different. 
2.Report as closed account on experian but report payment activity on Equifax 3 . Report different dates of the last payment on each bureau. 
4. payment history differs on all three.

Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I purchase a XXXX airfare ticket to Virginia through Affirm and had three payment to each month. I paid off the three payments early. I go to my review my credit score and it dropped XXXX point because the affirm company reported me as delinquent. It is causing great harm as well as a various inconvenience regarding apartment rental, car purchase and so forth .The Affirm app on my phone gives me nothing to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XXXX XXXX  I applied & was approved for a {$10000.00} credit card with Discovery. I was sent out a card, and activated it. I tried using it & the card Declined. When I called to see what the issue could be I was told I never replied to an email where I had to get a letter notarized. I explained to the company I never received an email for notary. They explained the account was closed & advised me to reapply to fix the issue. I was sent to an agent who took my information again, only to deny me stating I had too many Discover accounts placing a second hard inquiry on my credit. I am unable to use the credit card & now facing 2 hard inquiries at no default of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
I have a student loan serviced by Heartland ECSI. Or rather, they have purchased my student loan debt from another company. 

I set up automatic monthly payments for my loan in XXXX of XXXX. Months later, I looked at a paper statement and saw that I somehow owed a past due balance. 

First of all, the information on the paper statement never matches the information provided by customer service representatives or the website. I'm sure there is some kind of explanation for this, but it is incredibly confusing for the consumer. It took me hours of looking at the website and trying to get ahold of customer service ( which I was unable to do ), and I thought I figured it out finally and paid what I thought was the past due part of that ( {$22.00} and change I think ), and let my regular payment be deducted automatically. This was in XX/XX/XXXX. At that time, I was told that my monthly payment is {$74.00}, and I set up automatic payments for {$75.00}. 

Today, XX/XX/XXXX, I received a paper bill in the mail that says I owe {$150.00} again. Current amount due : {$74.00}, Past due amount : {$78.00}, Fees due : {$5.00}. I immediately used the virtual assistant to be connected to an online chat with a customer service representative. The virtual assistant said I owed {$82.00}. Already not matching the info I have. The customer service rep said the fees were valid but that I only needed to pay {$8.00} to clear up the issue. Even more different information. Then, my conversation was bounced from the chat and I got a notification that it should be open in another browser window, which it was not. So, I sent an email to file a formal complaint, which bounced back saying I couldn't email due to " privacy concerns ''. So, I got back on the online chat with a new rep. This rep says the autopay system allowed me to set up my automatic payments for the XXXX every month even though my payments are due on the XXXX, and they want to charge me late fees. I chose the XXXX from a list of dates offered in the autopay system and was not informed until today that that would cause me to be charged late fees. I find that completely unacceptable. I also find it unacceptable that I'm being told so much contradictory information about what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: NY

Complaint narrative:
The debt this agency is trying to collect if from my brother. They call eventhough I tell them that this is not my debt and they need to contact my brother. 
I have been fielding calls from them for over 2 years. They ignore my numerous requests for the calls to stop coming to me and they have recently increased and they've become more aggressive. Today was the most aggressive that they ever been, by informing me that that my name was listed on an account that belonged to my brother ( which was false ) and they pulled up my credit report. The manager said my report looked good and that I had nothing to worry about. I told them they were not authorized to pull my credit report without my permission, and the rep said " Take that up with your Brother '' and hung up on the phone on me! 

I know they claim to record all phone calls for training purposes, so they called my home phone number ending in XXXX, today XX/XX/16 at XXXX EST, should a recording of the phone call needs to be confirmed. 

The debt is not mine, so the agency was in violation of the Fair Debt Collection Practices Act. The debt they are trying to collect was not mine, so they had NO RIGHT to pull my credit report!! I would like to file suit against them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
While in the process of buying a home I learned that my to Capital One XXXX accounts are showing on my credit report as closed since XXXX 2022. This information is false because I was only informed of the accounts to be restricted because of a few returned payments. I have since tried to correct the mistakes made on my part so Capital One can remove the XXXX XXXX restrictions because I am currently in the process of buying my first home. I was never informed that the restricted accounts stated above would appear on my credit report as closed accounts. My credit score has decreased dramatically and my mortgage lender will no longer approve me for a home loan until this matter is taken care of. I am currently 2 weeks from closing and because of Covid this building process has dragged on longer than it should have. I take full responsibility for the accounts being restricted but not the account closures. Had I known of the account closures I would have taken action quicker and fixed the issue sooner. At this point I am out of time and potentially about to lose my first home which I have invested quite a bit of time and money in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCHRONY BANK issued Amazon card. 
Could not locate the physical card to pay a {$2.00} balance. Payment was only possible through Synchrony, but without the card I could not register to login or login to the Synchrony site. 
I called Customer Service. Their automated service does not allow a bypass of the recorded messages ; no option for lost or stolen cards. You are forced to listen to a long list of messages before finally getting an opportunity to state your issue. 
The connection was bad - obviously overseas call centers- and the call dropped twice, forcing me to go back through the system. On one occasion, a representative actually was providing the credit card number ( without requiring any security questions ), but the call cut out. The third time I went through the system to reach a person, I was told Synchrony would have to issue a new card and it would take 10 days. I was able to get a supervisor, who did an ACH transfer to pay the {$2.00} bill. 
Synchrony should not be allowed to issue credit cards if it can't provide adequate support to cardholders, including the option to reach a representative in a timely manner ; immediate support in the case of lost or stolen cards ; security checks for provding card information. 
This is a very unprofessional operation for a financial institution. I appreciate your follow up to address the issues.

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 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As of XXXX I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by XXXX  data breach and may have landed into the hands of the wrong person.

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 2022-05-16 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: TX

Complaint narrative:
As of XXXX I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by XXXX  data breach and may have landed into the hands of the wrong person.

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