vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This complaint is to report the inaccurate credit reporting by Comenity Capital Bank. The COMENITYCAPXXXX XXXX should be immediately deleted from my credit report due to incorrect information. This account says that it was purchased by another lender so why is it reporting as a charge off account? This is a violation of the FCRA. Also, the company that purchased the account is already reporting on my credit report and I have a payment plan set up so why is this account still being reported as a charge off? There are so many violations that I can take legal action. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter that was sent to the credit bureaus and my credit report showing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX, XXXXOpened a XXXX exchange account with instructions from Person 1 XX/XX/XXXX, XXXXWaiting on funds transfer {$3000.00}. {$2900.00} made it to XXXX  account from XXXX Person 1 instructed me to open XXXX account XX/XX/2022 Trying to withdrawal funds from XXXX money was pulled from USAA personal banking instead of depositing money. I was getting sent in circles by both Person 1 and Customer Service on pulling the money out. When they asked why I explained it was because the trading platform XXXX was not able to use the funds. While getting instructions from Person 1 and Customer Service from XXXX how to transfer money from XXXX back to USAA personal banking more money was withdrawn from my USAA personal bank account in the amount of {$6000.00}. Quickly this money was depleting. This totaled {$5800.00} in XXXX. Money kept dropping each day down to {$5700.00}, {$5600.00}, {$5500.00}, {$5500.00} XX/XX/2022 My money in XXXX was still frozen and was in the amount of {$5300.00}. The 2FA security was having problems with the transfer. Each time the transfer was rejected. 
XX/XX/2022 USAA personal bank had a credit of {$2900.00} XX/XX/2022 Person 2 explained that it could be because of the amount that was in the account. Person 2 encouraged that I use a better platform and that I transfer {$10000.00} to XXXX. 
XX/XX/2022 money is transferred back to USAA XXXX bank from XXXX due to it being the wrong platform. It was supposed to be XXXX. 
XX/XX/2022 money is transferred to XXXX in the amount of {$10000.00} I was able to use {$26000.00} to invest with under the instructions of Person 2. 
While getting instructions when to trade I was able to increase my funds to {$48000.00}. After fees were drawn the amount decreased to {$45000.00}. 
XX/XX/2022 money is wire transferred from XXXX back to USAA personal bank account due to unforeseen circumstances. Person 2 was not happy but she was willing to help with the withdrawal process. That same day during a trade on XXXX a deal CLOSED without my approval dropping my funds % 100.7 % even though the market did not reflect this drop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2023 I requested a formal investigation in regards to the Macys account reporting negatively on all three credit bureaus. In the document below a certified letter was sent asking the accuracy of the amount allegedly owed and proof its 100 % correct. Macys refused to provide any information. Essentially saying they are providing information correctly because they state it is correct. I have no way to validate that information. As a result an update was sent to the credit bureaus. 

What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe : -Provide me with copies of any papers that show -I agreed to pay what you Provide as verification -A certificate copy of any judgment if applicable. 
-You Identify as the original creditor -Demonstrate the Statute of Limitations has not expired on this account in Maryland -Prove you are licensed to collect in Maryland -Dated XXXX form that was issued for the IRS as earned income 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
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: UT

Complaint narrative:
I have tried to get a replacement card from direct express, and can't get a hold of anyone anymore, and they refuse to send me a paper check for my money on my count. XXXX will not replace my money either. So I have 0 other choice but to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Crow Creek Sioux Tribe
State: MA

Complaint narrative:
On XX/XX/XXXX I contacted River Valley Loans to stop withdrawing money from my account cause I was unemployed and was not able to pay the recurring weekly amount of XXXX off of a XXXX loan with 500 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had an issue with a wire transfer on my chase account. XX/XX/2023. When I 1st called the rep from their XXXX location told me I had to find another way of sending money. I then spoke to a supervisor in Ohio she went through a verification process which the other person did not do and told me to submit it online again. It was denied. I went to a branch in XXXX XXXXXXXX fl to fix the issue. Rep did not appear to want to help me. She contacted department and gave me the phone so I could verify again with them. While doing this rep continue to text on her phone not keeping herself available for my service. When done she wanted to charge me more to do the wire transfer. I told her I do it myself and left. She was rude and not very helpful since she did not appear to want to do her job. I file request for wire transfer a 3rd time. I get a call from rep in XXXX and he wanted to verify again. I had to tell him I just got done doing it. It finally went through. I called and filed a complaint regarding issue with wire transfer and rep. No one ever called me back. On XXXX XXXX I was trying to transfer money from savings to checking. It was not working. I called and spoke to rep about issue so she did the transfer for me and contact chase it department about issue. Afterwards the I found transfer went through from rep and online. I get a text on XX/XX/2023 saying my savings is XXXX balance. I get on line and only see my checking account and car loan. 

I also show on checking that a payment to XXXX XXXX  cleared on XX/XX/2023. I got a call from my insurance agent that my account was frozen and they never received payment. When I called about this issue they said account was frozen on the XXXX. But yet it shows payment is cleared. No one wants to provide any info and I keep getting hung up on. 

I call chase and they tell me that that they closed my accounts and sent me a letter which I have not received. They won't give me a reason. But yet I still have my car loan. I have never had any major issues with them until I did a wire transfer and this rep from the bank along with issues online,. I have been with them 20 plus years. The bank created all these issues and appear to penalize me for their mistakes by closing my accounts. I never even received a call back from a manager in regards to my complaints. 

I never go into a bank unless it is absolutely necessary. All banking is done online and I use secure codes when I access my account. All their issues cause me extreme frustration and now they penalize me for them by closing my accounts. 
They are holding my money hostage!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I NOTICED MANY UNAUTHORIZED INQUIRIES ON MY PROFILE THAT I DID NOT AUTHORIZE!! PLEASE INVESTIGATE AND HAVE SAID INQUIRIES REMOVED. PLEASE...... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract OF ANY AND all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account ... ..... 
I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ... ... .... 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below ...... 
I request that the following inquiries be verified or removed immediately : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX declared a stay at home order for XXXX which is where I live. It was extended and lasted until XX/XX/2020. During that time no one was to leave house for any reason except groceries. The federal government did not get stimulus payments out to people who qualified until XXXX XXXX XXXX. Slightly before this period and during I became behind on my car loan with Chrysler Capital. I had XXXX conversations with them and they told me they would not let me wait until stimulus checks get to us to pay any past due. Under the XXXX XXXX XXXX XXXX, they were supposed to offer me a payment plan or other options so I don't lose the vehicle. They refused to offer any help what so ever. They repossessed the vehicle in XXXX XXXX XXXX and we got our stimulus check in mid XXXX. When I called Chrysler Capital at this time they told me I had to pay the total balance of over {$35000.00} to get the vehicle back. I did not have that much so I lost the vehicle. This was in direct violation of what the XXXX XXXX was supposed to prevent. I could not work and pay bills, but also Chrysler would not follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I would like my derogatory account removed. This account is misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$7000.00}. I have reached out to this creditor multiple times that this debt is not mines. This account was opened by a ex spouse. I never lived at the listed address and I never had service with this company. I have provided police report as well. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XX/XX/2020- my car was deemed a 'total loss ' by my insurance company. I contacted Ally Financial regarding this and they let me know that my XXXX XXXX ( also provided by Ally ). My insurance company provided a settlement payment for the majority of the remaining loan, while the remaining was submitted to the XXXX XXXX XXXX. 

My XXXX claim was denied, not once but several times. I have spoken with my insurance company - as I was not provided a police report from this accident - to provide Ally XXXX the correct " Statement Of Loss '' letter. They ( my insurance ) informed me they had called, received calls, and emailed over forms and letters on multiple occasions. 

As I have been going back and forth with Ally, and Ally XXXX for the last XXXX to XXXX years, they have now sent this account to collections. Which I have been attempting to dispute. As I have all required documentation and have provided it on multiple occasions, via email and 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 monetary relief
Consumer complaint received 2023-02-02 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: GA

Complaint narrative:
There is a fraudulent account on my consumer report that I am highly disappointed about. As I was attempting to buy a home and this account appeared. I was apart of Equifax 's breach and as promised they would protect my information moving forward. I dont not feel that my information is being protected. This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is invasion on my report and a defamation to my character. I want to be able to buy a home and this account is stopping me. This is putting me and my family 's livelihood in a bad space.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have applications for several loans and credit cards on my XXXX XXXX that I did not make and have two collections that are not mine

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, I downgraded my American Express XXXX XXXX to a Gold card, the customer service agent did not disclose to me that I would forfeit the XXXX Membership Rewards points earned on the card. I miscalculated the date, which I originally upgraded the card. On XX/XX/2023, I received an email from American Express that XXXX points were removed from my account. On XX/XX/2023, I called American Express and requested that my XXXX account be re-opened as I made a mistake in downgrading the card, and asked for the XXXX points to be reinstated in my account. The customer service agent opened a claim. On XX/XX/2023 I was informed that the XXXX points would not be reinstated into my account although I re-opened my XXXX XXXX and paid the XXXX fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a {$500.00} dollar credit card was used and left a {$740.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a {$500.00} dollar credit card was used and left a {$740.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-02-02 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: NV

Complaint narrative:
On XX/XX/2023, I sent a letter to all XXXX credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all XXXX credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau XXXX, XXXX, and transunion to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from third parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from XXXX-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all XXXX bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for a response.

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