vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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: IL

Complaint narrative:
Pursuant to complaint # XXXX I heard from Comenity Capital Bank XXXX XX/XX/2022 ) that my issue was resolved. The explanation was that my payment of {$73.00} had been applied to a previous credit card with the XXXX XXXX XXXX, not the one I recently opened for my purchase for {$73.00}. ( I had not used the previous one for years and forgot about it ). It was the new card for which the interest and late fee charges had increased to almost {$200.00} so I filed a complaint with CFPB, and number for that is listed above. 

However, just this week I received a bill from XXXX XXXX for the old account ending in # XXXX with a balance due of {$53.00}. This included a listing of all the refunds per late fees and interest. 

I also received a bill from XXXX XXXX for the new account ending in # XXXX with a XXXX balance. 
# XXXX. The two bills are attached as is the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-09-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022 I sent money via XXXX to an address provided on XXXX for purchase of an item. The item never showed up, and all 3 of my accounts used were subsequently hacked. I've filed a complaint with Several banks as well as XXXX. I've also filed police reports as I want the person or persons behind this scam to face legal penalties. To date all of my other financial institutions have refunded the monies due to fraud except USAA. I'd love assistance in getting the remainder of my money returned to me please. 

It was 2 different payments. One was {$2000.00} via XXXX, USAA gave me a temporary credit for that amount. 

The other was {$1000.00} via XXXX, USAA said it would take 10 days for them to verify it was fraud. Today is day 10 and I have received no information or credit from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Im desperately trying to get help with my Care Credit account. I used my Care Credit by Synchrony Bank for a medical procedure. Unfortunately, Covid hit and I lost my income. I called in and worked out a payment arrangement but could not keep it up because I was facing eviction and car repossession. I am now working and want to pay my bill but when I call in, Im told I never had an account. I know this is false because I used it for XXXX. Im frustrated because I want to begin paying my debt. Ive called numerous times and the reps I talk to are not helpful. I get transferred every where and no one will help me. I am begging someone at Care Credit to find my account and work with me to start making monthly payments

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 2022-09-09 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: I.C. System, Inc.
State: FL

Complaint narrative:
their is a collection on my report from IC System stating I owe an XXXX XXXX. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.

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 2022-09-09 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: CT

Complaint narrative:
This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )

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 2022-09-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: CT

Complaint narrative:
This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )

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 2022-09-09 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2022-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting act XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX and XXXX  DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX DATE : XX/XX/XXXX, XXXX XXXX XXXX  DATE : XX/XX/XXXX, XXXXXXXX XXXX DATE : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX  DATE : XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ALSO THESE inquires are in itself fraudulent and not done by more nor my consent

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 2022-09-09 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-09-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXXXXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
When the homeowners insurance was due for renewal on XX/XX/XXXX, I was contacted by my insurance agent because NationStar dba Mr. Cooper was refusing to pay the premium out of the escrow funds that have been collected for the past year. After repeated unsuccessful attempts by myself and the insurance agent to compel payment by the lender out of escrow funds, I was forced to enter into a monthly installment plan directly with the insurance company to avoid insurance cancellation on the property that would violate the terms of the mortgage. I am the spouse of the mortgage holder and reside in the home. The insurance policy is in my name as the borrower 's spouse since XXXX with no prior issues. 

This is a renewal of the same exact policy, under the same exact name, that the mortgage company has paid out every year without prior issue. The insurance is for the property that is under mortgage with NationStar. 

I have repeatedly submitted payment receipts and deck pages to prove that the home is still insured and that I am now paying for the insurance out of pocket in addition to NationStar continuing to collect funds for payment in escrow. I am now being threatened that the company plans to " force place '' insurance on the property due to insurance being cancelled which has not happened as I am now paying out of pocket in addition to the monthly, timely mortgage payments. A mortgage company should never be able to " force place '' insurance on a property that is proven to be already insured. Furthermore, they should not be permitted to continue collecting escrow payments for hazard insurance that they refuse to pay out. As of XX/XX/XXXX the mortgage company has {$3700.00} of my funds in escrow to pay the renewing hazard insurance policy that has been in place on the home, under my name, since XXXX and continues to refuse payment with the funds in escrow. 

I need immediate help as I am gravely concerned that NationStar is attempting to force a refinance, foreclosure or force an unaffordable insurance policy on the home when there is already insurance in place on the property. I have always paid timely and I need some serious strong arm help to force the mortgage company to pay out the renewed hazard insurance that has been accepted without issue until now.

Company response to consumer: Closed with explanation