vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, approx XXXX I went to the Fifth Third bank XXXX ATM XXXX on XXXX XXXX XXXX I attempted to make a cash deposit of {$1100.00}. The machine alerted an error and was supposed to reissue my cash back to me. The machine only returned {$6.00}. I then checked my account balance and the money was not there and the machine reported an error with cash deposits after my money wasnt returned. I attempted to call the bank and the call center was closed and I received no response on the companys user chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I requested debt validation from Experian and XXXX and received nothing to validate the debt. I have disputed with accounts several times and they sent a letter saying they changed addresses but didnt send a letter answering my request. The debt does not belong to me and they havent sent any verifiable information to say it does.

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 2022-07-03 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: MD

Complaint narrative:
Notice i claim harm by way of trespass, FRAUD and Dishonor. 

Notice to XXXX XXXX and XXXX XXXX Ref : Account # XXXX We are all equal any wrong doing will result in a claim by way of trespass, FRAUD, extortion, Dishonor and Breach of Privacy rights. 

These are my rights i am a woman i know my rights my rights are if you do any wrong, if you trespass by way of extortion in any way, if you harm i or the property of i, if you do any unlawful harm to property or any undue exercise of power, if you did that i will hold you accountable because i know my rights and i know how to express my rights and my law and i will file a claim on you and i will press my claim in federal court. 

As stated in multiple correspondence requesting the original instrument of indebtedness in its original form and XXXX XXXX and XXXX XXXX failure to comply under law will result in a FRAUD and unlawful. Any willful negligence or wrong doing XXXX XXXX and XXXX XXXX have committed will be held liable. i have the right by law to ask for original documentation regarding my property with both parties signature on any document any failure to present original instrument of indebtedness in its original form will be held liable for FRAUD and dishonor, trespass, extortion, undue exercise of power will be liable under law. i a woman and i have rights and i know how to express rights and law. 

Notice to XXXX XXXX and XXXX XXXX for failure to comply with law. 

Federal Violations See Exhibit XXXX Federal Violations See Exhibit XXXX Federal Violations See Exhibit XXXX i a woman is demanding my account be discharged, XXXX out my balance and remove this inaccurate, incomplete and Fraudulent information or account from my consumer file and consumer report. Any failure to comply with law all parties will be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I applied. Was accepted, never got email. Comenity 's phones and website are not working. Comenity claims that a system upgrade went bad and they are working on it. According to the complaints on the XXXX page this has been happening for at least ten days. 

So now they have my personal information on a card that I can't use, that someone else may be using and they won't talk to me. Check out their XXXX page. 

I do not know my card number. I used XXXX XXXX XXXX XXXX in the form below They haven't sent it yet, just approved me for a loan. Someone else is probably using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: NC

Complaint narrative:
On XX/XX/XXXX I booked a prepaid vacation at the XXXX XXXX XXXX XXXX. On XX/XX/XXXX I cancelled the reservation with the hotel under the advisement of the hotel staff and was told that the stay would be refunded despite it being a non-refundable trip. After the hotel refused to refund the trip despite previously stating they would, I submitted a dispute to Barclays Card on XX/XX/XXXX. 

They conducted their investigation within the 90 day time period and I received a call back on XX/XX/XXXX stating that I had 48 hours to return the call or they would close the dispute. I called back three times during the operating hours included in their initial communication and none of the calls went through to their dispute services team. After repeated calls I did eventually get a manager on the phone who explained that the hours previously communicated to me were incorrect citing a different set of business hours that was not included as part of the voicemail or the letter for Barclay 's that I received. I asked that the issue be escalated and the case was reopened. During this period I managed to get the merchant to agree to refund the transaction and they provided me a letter stating that the funds could be returned. I provided Barclay 's dispute services with the letter stating that the funds could be refunded ( this totaled ( {$1400.00} ) on XX/XX/XXXX. Barclays has since refused to provide any update on the status of my dispute, is out of the 90 day dispute window within their card 's terms and services, and has not refunded the {$1400.00} despite written acknowledgement from the merchant to refund the transaction.

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 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.

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 2022-07-03 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: FL

Complaint narrative:
I disputed the XXXX account. 

Dispute reasons : XXXX. Account not mine XXXX. The open date is XX/XX/2017, XXXX months BEFORE the closed date of XX/XX/2017. 

Transunion investigated and verified as accurate. How did the account close before it was opened? 

Per the FCRA, section 605 B companies have 4 days to remove an account when told the account is fraudulent. The company has been notified multiple times and they verify the account that clearly has wrong information, i.e., the opening date was XXXX months after the closing date. 

I am attaching a letter from XXXX, a subsidiary of XXXX, verifying XXXX agrees the account is fraudulent. Also attaching a copy of the Transunion investigation results with the errors on this account circled.

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 2022-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have been contacting them since XX/XX/2022 asking for PMI removal. They eventually sent a response asking for a payment to get a BPO. I promptly submitted my payment. The appraiser made an appointment and completed appraisal. Appraiser confirmed sending it in to the company, but will not give me a copy. DOVENMUEHLE has not responded to my repeated requests for a status report and a copy of the appraisal. I have sent several secure communications through their website and made attempts at phone calls with messages, none were responded to. This company is intentionally ignoring and delaying the process. I would like a refund of PMI charged since my initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: PA

Complaint narrative:
I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with Equifax and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years.

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in XXXX this has ever happened to me and I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I requested debt validation from XXXX and Equifax and received nothing to validate the debt. I have disputed with accounts several times and they sent a letter saying they changed addresses but didnt send a letter answering my request. The debt does not belong to me and they havent sent any verifiable information to say it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
My XXXX XXXX credit card statement was mailed on XX/XX/2022, and received at my home on XX/XX/2022. The statement indicated a balance within my authorized limit which I desire to completely pay off to avoid interest charges. The due date to make the payment is XX/XX/2022. I usually conduct a telephonic transaction to pay the credit card bill by authorizing a direct debit from my bank account. I have done this successfully for over the past twelve months with no complications. I have been trying to make the payment telephonically for the past week, but the payment was not processed successfully. The recording stated that a problem prevented the process from be performed and that I would be transferred to a customer service representative for an additional {$9.00} fee, but anothers recording stated no customer service personnel were available and I should call back later. I have also tried to contact Commenity Bank directly, but he a separate recording repeats the statement to call back later, then immediately disconnects. I am concerned that the Commenity Bank is preventing payments from being processed to impose higher credit fees or to force customers to use a customer service representative which requires an additional {$9.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-03 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: GA

Complaint narrative:
In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX account # 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 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 2022-07-03 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: GA

Complaint narrative:
In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX / XXXX / XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 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 item 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX & XXXX has violated my rights. 

XXXX / XXXX / XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 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 item 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-03 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: NC

Complaint narrative:
I have an outstanding dispute with Barclay 's Card for a total of {$1100.00} through the merchant XXXX XXXX. We had booked a multi-stay vacation with a XXXX night hotel booking with XXXX XXXX. We attempted to cancel the stay with the vendor in XX/XX/2022 due to covid restrictions to travel to the country and the stay was scheduled for XX/XX/2022. We attempted to contact the hotel on multiple occasions and received no email correspondence from the hotel in return to either refund or reschedule the visit. 

On XX/XX/2022 we disputed the transaction with the merchant after waiting for more than a month for a response. 

We eventually did receive a message back from the hotel on XXXX XXXX XXXX XXXX since our request to cancel due to the inability to get a travel visa. We explained to Barclay 's that despite the non-refundable rate, the services were poor enough to violate the terms of services for the merchant as it wasn't logistically viable to book a trip to XXXX, XXXX a week before our expected stay. The vendor 's failure to respond to two emails requesting a response wasn't acceptable. 

Once disputed, Barclay 's card investigated the transaction and called us back to get a response from us prior to settling the case. We called back multiple times within the window they provided to us ( see the times and dates on the dispute letter and the stated hours of operation ), left a statement with one of their customer service representatives and they closed our case for not responding to their original message despite contacting them multiple times within the timeframe they provided to us and left a statement with one of their associates.

After many calls, Barclay 's agreed to repoen the dispute and have since provided no response despite being out of the 90 day timeframe included in their card 's terms and conditions.

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