vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
On XX/XX/2020 we mailed XXXX XXXX a cancellation letter for the contract signed on XX/XX/2020. We were not able to certify the letter due to COVID lock- down. We even spoke to their representative - XXXX at ( XXXX ) XXXX to notify him of the cancellation. To this day, both XXXX XXXX and its representative deny receiving the notice of cancellation. The contract was process and Comenity Bank paid XXXX XXXX {$12000.00} dollars for the timeshare. Which now results in a credit card debt with Comenity Bank. We have attempted to resolve this by emailing XXXX XXXX and Comenity Bank both say we owe. We tried to give XXXX XXXX our paid in full timeshare through XXXX XXXX in XXXX, MO ( which XXXX XXXX now owns and we paid {$10000.00} ) and XXXX XXXX said they would not accept it to paid back Comenity Bank and close our accounts with them both. We have not paid anything towards this debt with Comenity Bank because XXXX XXXX fraudulently processed the contract after being notified of the cancellation. We have enlisted the help of the XXXX  Attorney General office and nothing has been done to resolve this issue. XXXX XXXX has received monies fraudulently on our behalf and refuses to correct the issue by simply canceling the contract and refund the funds back to Comenity Bank. We have not taken a vacation since this issue. This could have been a simple fix, but XXXX XXXX refuses to do the right thing. No monies have been paid on this debt with Comenity Bank. This debt continues to draw interest and have a negative effect on our credit. Please help us to resolve this issue with XXXX XXXX vacation and Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I had a customer make a transaction through my business venmo account for the amount of {$2200.00} and then another payment made on XX/XX/XXXX in the amount of {$2800.00} for items that i was shipping to him. Everything was okay, i shipped out the items to the customer and they were delivered to him on XX/XX/XXXX. On XX/XX/XXXX, I got an email stating that the customer is disputing the charges and he did not receive the items. So i provided venmo with all the necessary information needed to support this persons dispute, in reality he was trying to scam me. Long story short when he disputed these transactions it sent my account to be frozen because you cant accrue disputes through your business account or you can have your account frozen and they hold the money for XXXX for " liability reasons '' .They investigated my customers claim and denied the claim and deemed it in favor of me due to me being able to provide, the tracking info and it being delivered to his house, itemized receipts of the items and the cost. So needless to say, i have now shipped and this customer has received {$5000.00} in items that i have not gotten paid for and dont have the items any longer. I can not get anything other than the same copy and paste scripted answer from anyone i talk to. Why are the funds being held still for liability reasoning when these transactions are the only two transactions made. Venmo denied his claim and deemed my favor which the funds remain mine. My account initially was froze because of this customer disputing these charges but in reality he tried to receive my items and then once they delivered, he tried to dispute the charges and say he didnt receive it. So why is it that i am being told to wait when this customer caused the funds to be frozen but the dispute was denied so after the dispute investigation the funds for these transactions should be released to me. Im so sick of dealing with this platform. Its nothing but issues along with a bunch of others based on my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a Dispute with XXXX regarding incorrect information on my credit report regarding account : ( Santander ). 

It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to Santander in XXXX. The report shows the account was Charged XXXX in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account? 

I asked XXXX to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to Santander in XXXX of XXXX that the account be deleted. 

The result of the dispute with XXXX was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank. 

In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to Santander. How can it be sold to another company but Santander is the one reporting?

My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: NC

Complaint narrative:
In accordance with the fair credit reporting act. Tye list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX  accounts # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-06-13 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: CA

Complaint narrative:
I am a XXXX Vet trying to fix my credit. Transunion is using stall tactics to provide me a service I am entitled to. I am sending my disputes and I'm having no luck. They are sending me a letter about me having a third party doing my credit. Something like that. I am trying to get a refi on my home and these inaccuracies are stressing me out. I hand write all my letters so I don't see how they think that.

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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: MN

Complaint narrative:
I received a Discover Bank XXXX card in the mail. I don't have any accounts with Discover and never applied or opened an account with them. I called and was transferred to an account specialist to handle this but after 2 hours on hold, got disconnected. Tried again with same result. Called a new number and they said the only way to handle it is to call the number that keeps disconnecting me after a couple hours of waiting. They won't give me any other option and the number I try to call wastes hours of my time before disconnecting me so I'm unable to get a hold of anyone to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
On XX/XX/22 I locked my Barclays View Mastercard card and received a confirmation email. On XX/XX/22 I was charged {$200.00} bXXXX XXXX  XXXX. I called to ask why this charge had gone through since my card was locked and they said that the card was showing as locked in their system but that it hadnt actually gone through. They closed my account and issued me a new card, and opened an investigation. On XX/XX/22 they issued a letter stating there was an investigation. On XX/XX/22 a letter was issued stating the fraud investigation had been completed and we have determined that you are not responsible for the reported fraudulent activity. Then a letter was issued XX/XX/22 stating that the investigation was completed and the charge was valid. I was not provided with a written explanation or any relevant documentation. I called their fraud line on XX/XX/22 to reopen the dispute and they told me I would have to fax or mail in proof that the charge was fraudulent. ( My card was locked, the charge should not have gone through. ) They refused to escalate my issue and said a manger would call me in XXXX business days. The person I spoke to on the phone also admitted that this is happening to many customers, they are being issued letters saying their dispute is settled and then later being charged for the amount.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed inaccurate and fraudulent address on my credit report with Equifax, XXXX, and XXXX credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  originator XXXX  ) Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX XXXX ) Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  ( originator XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX XXXX ) Account # 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. 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 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I had a Covid forbearance with XXXX XXXX XXXXXXXX XXXX. They offered me a refinance deal in fall of XXXX and due to the fact that I was out of town I did not see it in time. That offer made my mortgage payment approximately XXXX a month. When I called in about it they told me it was too late and they would send me a new offer they sent me a new offer with the longer-term there was {$960.00} a month I accepted this signed the paperwork went through the three month process to get it set up and was preparing to start paying for it. When I looked on my XXXX XXXX XXXX  account I saw that my payment was not {$960.00} a month but XXXX something so I contacted them and went through all kinds of hoops with people on the phone and somebody was going to research it and get it back to me which no one ever did. I never signed any paperwork for the loan that had a payment of {$1400.00} a month because they said that offer had expired. The paperwork that I signed and have a copy of is for {$960.00} a month. When I went to make the payment I got a notice from right path services some other mortgage servicing company that I dont know anything about and Im wondering if theyre connected with XXXX  and theyre trying to say that I owe them the {$1400.00} a month payment. When I was talking to XXXX XXXX XXXX I told her that I was very concerned that this was some kind of bait and switch they assured me it was not a bait and switch and they would get it resolved which they never did so now I am supposed to be going with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX. Unfortunately when I went to set up my online account with them I see that theyre trying to collect the XXXX a month payment which is not anything that I ever signed. I am quite concerned that this is some kind of bait and switch thing I have had nothing but trouble with XXXX XXXX and their XXXX company that they were with before them. I am beginning to think this is some kind of scam bait and switch something bizarre and I need some help thank you for any assistance. XXXX XXXX XXXX am beginning to think this is some kind of scam bait and switch something bizarre and I need some help thank you for any assistance. XXXX XXXX XXXX email. XXXX. The address this property is on is XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX my phone number is XXXX please let me know what I need to do to address these in XXXX XXXX providers that I believe are trying to scam me. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: KY

Complaint narrative:
( No subject ) [ Draft ] This message hasn't been sent. 
Saved on : XXXX XX/XX/2022 XXXXXXXX XXXX  This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills and the original creditor had my phone number and correct mailing address.

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 2022-06-13 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: HI

Complaint narrative:
Submitted disputes with Experian, XXXX and XXXX : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through 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 2022-06-13 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: LA

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 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Certegy Holdings, LLC
State: CO

Complaint narrative:
A company named CERTGY has repeatedly tried to collect {$40.00} saying a company by the name of XXXX XXXX XXXX  and check # XXXX dated XX/XX/22 was denied payment. We checked with the company XXXX XXXX  and we owe them nothing, in addition we have no checks with that # associated with our bank. CERTGY can not verify its legitimacy and demands access to our bank. We will never give bank information on the phone to anyone.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a previous complaint against Experian number XXXX regarding their blatant stall tactics and refusal to provide me my full consumer credit FILE disclosure. Experian mailed me a notice with dispute results when I did NOT dispute any information. I demanded my full consumer credit FILE and they keep responding with stall tactics. Experian has ALREADY committed identity theft and defamation of character against me because I NEVER gave them direct or written consent to furnish, report or accept anything on my behalf. Experian remains in violation of my federally protected consumer rights under the FCRA.

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 2022-06-13 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, and XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX 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 : Its 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 explanation