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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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: NY

Complaint narrative:
I have multiple credit cards with comenity bank and they have been " updating their system '' for over a week now. I am unable to do anything on my account including making any payments. I can't even log into my account without receiving an error message. My payments are coming due and I do not have a way to make them. The phone systems for comenity bank are not working and I do not have a way to mail in payments as I have e-statements.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATION/NELN since XX/XX/XXXX ... there is an error on my XXXX and XXXX credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATION/NELN under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Convergent is a debt collector trying to collect money on an account Ive never used and was created fraudulently with my stolen personal information. My personal information was stolen and used to open a fraudulent account with XXXX XXXX in my name for a different address I have an identity theft and fraud case open with Optimum but in the meantime Ive received a bill for over {$800.00} to collect from Convergent Outsourcing that I am not responsible for. Their phone number on their website and bill does not have a voicemail and was not taking phone calls. I demand that this bill be removed from collections and my credit be restored.

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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Not a duplicate as NEW information has been provided. Per CFPB rules new information or evidence must be reviewed. 

With new and additional supporting documentation provided I iterate my complaint as being valid and the overcharge of {$200.00} assessed by the merchant for damages to the rental car to be fraudulent. If Chase wishes to be victimized by the merchant than that is their business, I for one do not and will not. I find Chases investigation into this matter subpar at best. Chase has taken the merchants claims and supporting documentation no matter how false and inaccurate it may be over their valued Customers claims and supporting documentation. This is very concerning as a Chase Member and card holder. So much so that I've since refrained from any further major purchases since the incident at hand and the shocking support for the merchant and their bogus claims over their own valued Customer whom has never shown a history making any such claims in the past. Chase 's investigation into this matter has produced color pictures of the alleged damage to the vehicle that the merchant claims was caused while the vehicle was under my rental term. The problem with the merchants claim and supporting documentation is that the evidence provided clearly depicts damage to a white vehicle, yet the vehicle rented was dark gray in XXXX. This is even further proof that you are being scammed! I have provided a picture of the Vehicle XXXX and will provide further testimony of the XXXX and pristine condition of the vehicle 's return should you decide to take this matter serious.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Repeated complaints in writing have only partially resolved the issue with the Capital One credit card company. Capital One has previously admitted in writing that it can not establish that the card holder authorized the contested transaction. Previous complaints contesting the fraudulent charge, fees, interest, and requesting the account be closed resulted in reversing the charge and interest and fees, but then new cards were issued without authorization or request of the card holder, and the fraudulent charge plus interest and fees carried forward in newly created accounts. After more complaints of this unfair business practice, the original charge was credited to the currently still-open account and some of the additional fees and interest based on that original fraudulent charge were reversed, but not all ; the account remains open with a balance consisting of fees and interest based on the fraudulent transaction. The card holder has repeatedly requested in writing that the balance be reduced to XXXX and instructed Capital One to close the account and not issue any more cards. But the card holder is continually harassed with monthly statements seeking payment of a balance which is illegal, because credit card companies may not seek collection of fees and interest on fraudulent transactions. The most recent statement dated XX/XX/2022 shows a balance of {$490.00} WHICH IS ENTIRELY FEES AND INTEREST accrued on the reversed fraudulent transaction, plus another interest charge on that balance of {$9.00}. Essentially, Capital One attempts to extract from the card holder fees and interest that are not owed, which by law can not be collected, and persists despite repeated protest and complaints. The author of the complaints and correspondence is an advocate, a licensed attorney, who has been assisting the card holder pro bono because the credit card company is outrageously attempting to take advantage of a hard working honest immigrant with this unscrupulous business practice.

Company response to consumer: Closed with non-monetary relief
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: VA

Complaint narrative:
I have scheduled a payment in the amount of {$170.00} on XX/XX/2022 to be debited from my account on XX/XX/2022. I have attached a screenshot of the confirmation email. Upon returning to the Comenity Wayfair site, it says my account has been closed. I called customer service number and the automated message alerted me that all phone lines are down. I have no way of confirming my scheduled payment and I am worried they will falsely report a late payment to the credit reporting bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Disputed XXXX XXXX XXXX  account multiple times through Experian havent gotten any results come here to provide proof and get these accounts removed from my credit report not fair that its effecting me when i never owned 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: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST.

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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Saturday, XX/XX/XXXX at XXXX pm, I trustly went to Chase Bank on XXXX XXXX in the XXXX to deposit {$3000.00} ( XXXX x {$100.00} bills ) into an Atm machine. I entered required information, indicated that I had a cash deposit, entered said bills as instructed and awaited for confirmation. The machine counts the money, screen pops up an out of service message on screen and produces an receipt without confimrning my deposit. Being that it was Saturday night and customer service wasnt available, I checked a saw that I could call the next morning. On Sunday, XX/XX/XXXX appox XXXX am, I called customer service and was forwarded to the claims department. I told them what happened and gave all the information that was on my receipt ( sequence number and terminal number ). I was told that my account would be credit Monday, if not Tuesday. On Monday, XX/XX/XXXX, I called to confirm that my funds will be dsposited being that I didnt see it. I was told to check by end of day. If not, it should be there Tuesday. Today, Tuesday XX/XX/2022, theres nothing in my account. I went to the closest branch to speak to someone in person in regards to my funds. To my knowledge from my past employment with CHASE that the branch reconciles the ATMs. I wasnt sure if the claims department waits until the branch informs them of an overage or they give them the heads up. The reps at the branch informed me the research department is looking into the matter and it will take 10 business days or more. It was escalated on XX/XX/2022. I was NEVER informed. I understand them taking one business day to reconcile the ATM not TEN DAYS. Since Saturday, I was informed that I would receive my cash deposit by Tuesday ( today ) the latest. After speaking with someone over the phone from the research team, I wasnt giving any reasoning as to why my funds are being held. No explanation as to why I wasnt informed of any escalation. It feels like I handed my money to an unknown thief that Ive trusted for over 20 years. Are others having issues with this branch and others fund being taken/held with no speedy recourse? Is was told that XXXX is a large deposit! Arent they are business bankers??? XXXX in NY is rent. XXXX is a descent trip. XXXX is a deposit for funeral proceedings.It doesnt take 10 business days to research cash that it supposes to go into a secure place.

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: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
For about 4 or 5 days, I and other Comenity Bank consumers have not been able to use our credit cards, access our accounts or even communicate with any representatives due to some unannounced system update that has been going on for days. I wouldn't have known this was occurring if I have not tried to sign in a couple of days ago and checked on XXXX. Their XXXX feed is the only way to communicate with them and they are not providing any info. We are under the impression that they may have been hacked and they are not informing their customers.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Back in XX/XX/2020 saw XXXX XXXX account reported which is not my account now there is two accounts both charged off and effecting my credit that i have no knowledge of opening or owning

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 card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have the BestBuy Store card by Citibank. As of XX/XX/XXXX, I had XXXX non-payments no interest purchases, of which XXXX ended on XX/XX/XXXX. In my online account, it tells me what the total due is for each XX/XX/XXXX payoff balance. I was told by several of the bank 's agents that if I make an exact payment that matches the payoff amount of a transaction, the system knows how to pay that off. I had tried that several times and found that is not the case and called back over and over. On XXXX, I made a payment of {$92.00} ( the exact amount of one of my no payment no interest purchases ). I waited for the account to update, but it does not update in real-time nor before the end of the month according to the agent, I spoke w/because it wasn't wiping out that transaction in my online account. The female agent that helped said she made a note about that. She then asked if I was going to be paying off the other 2 outstanding. I had one that was under {$100.00} and one that was {$690.00}. I told her because the {$690.00} had the highest interest penalty, that I had planned to pay that one off for sure, she said that she told the system that a payment of {$690.00} was to be allocated to that {$690.00} promotional balance. A {$690.00} payment was made on XXXX satisfying the {$690.00} promotional balance, I called in on XXXX and spoke with a gentleman, who told me he sees a {$690.00} allocation 'trigger ' was set up by the last agent. That agent told me that I now actually only have one promotional balance unpaid on my account and that was the one that ends in XXXX XXXX for {$2100.00}. I did not believe the agent so I made an additional {$82.00} payment while on the phone with him. Now that the month ended everything came to light, except somehow 2 of my promotions are not paid off owing {$82.00} and {$10.00} or so, yet online right now it tells me I owe {$1.00} and XXXX cents. I just spoke with a regular XXXX agent who transferred me to a super named XXXX, who thought it was not Citibank 's responsibility to have his agents provide correct information and that everything falls on the customer, so I asked for his supervisor, he transferred me to XXXX, who seems like she understood the issue, could see where errors were being made and is providing me with a credit that should correct this issue. Here is the problem, Citibank does not provide or give customers any real-time data to know where money is going to, or what money is owed on a XXXX interest promotion, I think they purposely set it up so that customers can't actually pay things off to avoid interest payments, otherwise, why would such a large company like Citibank, not have a system that shows real-time and accurate allocation information to the customers. Something else is going on here and Citibank needs to be looked into.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. I have also tried to call them repeatedly, and left XXXX but have not gotten any response from them. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

I need your help to correct this error and update my credit report as soon as possible, please. 

Thank you, 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 explanation