vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: OK

Complaint narrative:
This is a general complaint at this point. Comenity systems have been down for a week for a " scheduled maintenance '' that is " taking longer than usual '' according to all of their social media channels. Customers can no longer use any Comenity cards for purchases, access online services, contact customer service via telephone, contact customer service via social media, or make payments. Even scheduled auto-payments are not processing and individuals are being assessed interest and late fees and some are receiving derogatories on their credit reports. I possess more than XXXX Comenity card. I have an auto-payment that will trigger for my XXXX XXXX XXXX XX/XX/22 that will not process according to comments from other customers on XXXX and XXXX and I will be assessed both interest and late fees because of Comenity 's negligence. I also have a credit card reward that has now mysteriously disappeared during the " update. '' This needs to be investigated. A system update never takes this long and all of their various customer service phone lines are closed, eliminating person-to-person assistance. Have they been breached? Why are phone lines closed? Why are they refusing to provide an estimated date of completion? Why is all online account access blocked? Why are auto-payments not processing and yet accounts are being assessed fees and credit bureaus being contacted? Why can customers not use any of their credit cards?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Catch Financial Inc
State: HI

Complaint narrative:
We used a financial service called " Catch Benefits '', Catch Financial , Inc., found at catch.co which withholds specific amounts from the paychecks of freelancers in order to help save for retirement, healthcare, travel, etc... 

On XX/XX/2022, we initiated a request with Catch to close our account and specifically send us a check for the total amount in our retirement savings so that we could move it into a different retirement account. The amount we have is {$16000.00}. As of today, XX/XX/2022, we are still waiting for that check with our money. I have attached chat transcripts. At every turn, they have avoided having to give us our money back. Their app store is full of reviews along the lines of " holding our money hostage '' - others with the same complaint. 

According to their own website, our account should be closed and we should have immediately received a check for any remaining money in our account. 

Additionally, they are in violation of their terms of service ( https : //catch.co/legal/terms ) which states : " b. Your Funds and the Catch Account. Your funds will remain in your Catch Account until you instruct us to transfer any or all of your funds from your Catch Account by indicating a withdrawal within the Website or the Application. We will generally transfer the requested funds from your Catch Account to your Bank Account within three ( 3 ) Business Days of when we receive your request. We may transfer funds from your Catch Account to your Bank Account without notice to you upon the closure of your Catch Account as Described below and at any time if required by applicable law or if we, in our sole discretion, suspect the Services are being used for illicit purposes or otherwise in violation of these Terms. '' AND " f. Catch Account Closure. Upon the closure of your Catch Account for any reason, we will transfer the funds in your Catch Account, if any, to your Bank Account. If your Bank Account is closed or we are otherwise unable to transfer the funds in your Catch Account to your Bank Account, we will send you a check for the amount of the funds to you at your street address in our records. ''

Company public response: Company disputes the facts presented in the complaint
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: NJ

Complaint narrative:
I have been trying to make a payment with Comenity for my Lane Bryant Store Card for 3 days now. They have claimed they are undergoing a planned system update. This has been going on for almost a week. I can not submit a payment online nor can I get anyone on the phone to pay the bill via the phone. My bill was due today XX/XX/2022 and I utilized multiple channels to attempt to make a payment. I am worried that I will be hit with both late and/or interest fees. The company should be proactive in alerting customers via email that something is going on and take action to calm the nerves that everything will be rectified and their customers will not be charged with fees.

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: SC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX Account from XXXX  # XXXX, has violated my rights. 

15 U.S.C 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: 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: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with 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 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. 

The following Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. {$12.00}, XXXX written off.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: CA

Complaint narrative:
So on XX/XX/XXXX I ordered a phone for {$880.00} the money was taken out XX/XX/XXXX I still haven't received the merchandise and my Bank Discover Bank will not help me dispute transaction. I've reach out to the merchant XXXX XXXX to settle it that way and just get a generated response to ask my neighbors and if they may have picked it up for me did that they say no. But all and all Discover bank refuses to help me dispute transaction.

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 account. # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 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 account. # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank website and customer service not a available for a week. Unable to retrieve account info or make a payment that is now past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/XXXX, {$1000.00}, withdrawal from my checking account, my bank is refusing to refund my money ... fraudulent company ( moving processing company ) i did not authorize this transaction with a scam company, my move date was XX/XX/XXXX, window time XXXX final destination XXXX XXXX, I have several numbers, several names an now the numbers are spam or do not work, I have filed many claims or complaints with the bank, police department, XXXX, Ftc, occ , also called that moving company back, another number another person not willing to cooperate with this situation.. all to be said I have lost everything I had, my belongings, my money... Please help me...

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 — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I need to pay my credit card but Comenity banks website is down so I can't login or pay off my card. They shut down their phone lines/ services so when you try to call, there's no one there. The website has been down since XX/XX/XXXX. I'm worried that by not being able to login and pay that my bill will go up and my credit score will go down

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 is not yours
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
I have been repeatedly contacted at my place of business relating to a debt that I do not owe. In fact, not only do I not owe the debt, but the debt has been falsely placed on my credit report and is falsely reporting to XXXX XXXX, XXXX, and XXXX. I have been contacted by Southwest Recovery Services who is falsely reporting and attempting to collect a debt on behalf of a company for which I have NEVER conducted business ; XXXX XXXX XXXX. I have been contacted at my place of business nearly five times. Each time, I have asked that the company who is attempting to collect my FALSE debt, please perform a debt verification. Each time, the company states that they will follow up by sending to my physical address the proof that I'm derogatory in any way with XXXX XXXX XXXX. To date, I am STILL getting contacted on a recorded line ( both their company AND mine ) and each time there has been XXXX follow up by either Southwest Recovery Services OR XXXX XXXX XXXX. This is a clear violation of my rights under the FCRA and the FDCPA. I have been researching my rights under both laws and I am being financially harmed. I am unable to obtain business financing due to the gross negligence in my credit sceario. I'm attaching proof of such violation in the following attachment ; as the most recent call was captured and recorded.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX h

as 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: 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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am writing to dispute the following information that appears on my consumer report. 
Dispute : TransUnion Acc # XXXX Acc.XXXX XXXXXXXX XXXX # XXXX Acc. XXXX Credit Bureau : TransUnion Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : TransUnion Date of Inquiry : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX : XXXX Date of Inquiry : XX/XX/2021 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 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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am writing to dispute the following information that appears on my consumer report. 
Dispute : XXXX XXXX # XXXX Acc.XXXX XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX  : Equifax Date of Inquiry : XX/XX/2021 XXXX XXXX

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007

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: 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: TX

Complaint narrative:
I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXXXXXX XXXX XXXX XXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007

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: MI

Complaint narrative:
In Accordance with the Fair Credit Report Act XXXX  Account stating : ( XXXX XXXX ), has violated my rights. 

In Accordance with the Fair Credit Report Act XXXX  Account stating : ( XXXX XXXX XXXX XXXX -LATE PAYMENT ) 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