vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collins Asset Group, LLC
State: IL

Complaint narrative:
***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** I, XXXX XXXX, as a Federally protected consumer XXXX am submitting this complaint against the debt collection agency, Collins Asset Group , LLC for willful and deliberate failure to comply with the Fair Credit Reporting Act section 15 USC 1681s-2 ( a ) ( 6 ) ( B ) by removing or blocking the inaccurate and fraudulent account from my consumer credit report. With clean hands and in good faith I have issued due notice to this agency informing them of the Identity Theft and unauthorized activity committed, which includes the required statement of facts by the consumer, the FTC Identity Theft Report, and the FTC Identity Theft Affidavit in accordance with the FCRA. This debt collection agency continues to furnish fraudulent account information in an unfair, false, misleading, and inequitable manner causing grave harm and detriment to my financial reputation as a Federally protected consumer. Collins Asset Group , LLC has committed willful and deliberate violations of both the FDCPA and the FCRA and shall be held civilly and criminally liable for the following : 1. ) FDCPA - 15 USC 1692c ( a ) / 12 CFR 1006.6 ( b ) ( 4 ) ( i ) No Prior Consent to Communicate 2. ) FDCPA 15 USC 1692e ( 2 ) ( A ) / 12 CFR 1006.18 ( b ) ( 2 ) ( i ) False Representation of Debt Amount 3. ) FDCPA 15 USC 1692f ( 1 ) / 12 CFR 1006.18 ( d ) False or Misleading Representations 4. ) FDCPA 15 USC 1692e ( 10 ) / 12 CFR 1006.22 ( b ) Collecting Amount With No Agreement 5. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) Reporting Information Factually Inaccurate 6. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) Reporting Information After Notice of Inaccuracy 7. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information With Knowledge of Errors 8. ) FCRA 12 CFR 1022.3 ( h ) Identity Theft / Unauthorized Use of Personal Information 9. ) FCRA 15 USC 1681s-2 ( a ) ( 6 ) ( B ) Failure to Remove Information after Notice of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax continues to violate my consumer rights. I have a right to complete and accurate information in my file. Equifax is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I transferred money thru Zelle thru my bank XXXX XXXX. I sent it to the wrong number but after 2 minutes got the correct number and corrected it. I called my bank to let them know. After a few days, I received a letter from XXXX XXXX  that they can not help me get my money back which is {$1100.00}. My complaint is- if it was reported to my bank within minutes the error was recognized, why did the bank put on hold the transaction and reverse the payment. They have all the power to reverse the payment, if the person and phone number doesn't match. Just like what you do with wire transfers. I sent a message to the person with wrong number to return the money but did not return it. After talking to my bank who insisted they can not help and suggested I called Zelle, which I did, now Zelle is telling me that they can not help and should call my bank. My questions is- how are the consumers protected from this kind of kind of mistake. Who takes responsibility. If the person 's name does not even match, why process the transfer?

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: MO

Complaint narrative:
I have multiple comenity bank card accounts. None of the accounts are able to be used for purchasing and none of the accounts are available to make payments on. Online or by phone. The company is XXXX. There is absolutely no communication. This has been the case for over a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Around the week of XX/XX/XXXX, Comenity 's website did not allow me to login to view transactions or statements. On XX/XX/XXXX, their website went completely down and my credit card no longer works. 

It is XX/XX/XXXX and the phone lines for Comenity are shut down, you can only email them by logging into your account ( which is not possible with the website being down ). 

Comenity CAN NOT be reached AT ALL. Their services stopped working with no return of service date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: MN

Complaint narrative:
I had to replace my debit card from which i was making payments to my credit card from and now i cant get ahold of anyone at the credit card company to switch pay methods. When i try to do it in the app it says my bank information is incorrect. When i call the customer service number im told the wait time would be XXXX min. I been on hold now for XXXX min and counting. This is with self inc. And ive been trying everyday waiting on hold for up to XXXX min at times only to get impatient and hang up. Now this is going to affect my credit rating. Not my fault what else can i do i cant even find an address on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: KS

Complaint narrative:
Company first contacted me two weeks ago ( XX/XX/2022 ), did not provide any information in the initial call and did not provide written notice within 5 days as legally required. I immediately provided them my mailing address and still have not received any written notice addressed to me. Instead, they have sent unsolicited mail to my address with someone else 's name on it, which I received yesterday ( XX/XX/2022 ). I believe this is an intentional and malicious business practice intending to take away my legal right of notice and my right to dispute debt not owed.

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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX # XXXX and # 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 and 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 card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I suspected fraudulent charges on my Children 's Place credit card, which is through Comenity Bank. I tried to log into my account on XX/XX/XXXX but it said the system was down for scheduled maintenance. I tried again on the XXXX and got the same message, so I contacted Children 's Place customer service and was told they couldn't help as it was an issue with the credit card, but they gave me a customer service number and a link that I supposedly could use the pay my bill. The link didn't work and when I called the number, I got a recorded message saying that their system is down for maintenance and that their customer service is unavailable and to call back later. I tried logging in and calling again today, XX/XX/XXXX, and nothing has changed. 

I am concerned that the charges are fraudulent and that my scheduled payment will go through and I will have no way of getting my money back. Or, that the payment won't go through since the system is down and that I will be charged a late fee and my credit score will be affected. I also am concerned that someone may be using my credit card and will continue using it and obviously, I can't even call to cancel the card since the system is down.

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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Hard Inquires Listed below, 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 XXXX 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 MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 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 — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
on XX/XX/2022 I ordered XXXX XXXXXXXX XXXX XXXX through my Chase reward program because Chase was offering 25 % more points if you redeem an XXXX product. On XX/XX/2022 my ordered was canceled and the promotion for 25 % more points was over. I requested several times for an explanation as to why it was canceled, no one can give me a proper answer. I reached out over 10 times to Chase to which they basically said, we can not do anything for you. They asked me to reorder and request after the product has been received and " maybe '' they can reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND I NOTICED ACCOUNTS WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY PERSONAL INFORMATION, BECAUSE ONE OF CREDIT BUREAUS REPORTING WRONG DATE OF BIRTH, I WAS VICTIM OF IDENTITY THEFT, I HAVE NO CONTRACTS WITH MY SIGNATURE, I DON'T WANT TO BE RESPONSIBLE FOR SOMEONE'S DEBTS.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND I NOTICED ACCOUNTS WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY PERSONAL INFORMATION, BECAUSE ONE OF CREDIT BUREAUS REPORTING WRONG DATE OF BIRTH, I WAS VICTIM OF IDENTITY THEFT, I HAVE NO CONTRACTS WITH MY SIGNATURE, I DON'T WANT TO BE RESPONSIBLE FOR SOMEONE'S DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian continues to violate my consumer rights. I have a right to complete and accurate information in my file. Experian is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: IN

Complaint narrative:
XX/XX/2022 I had a debt I never authorized sent to my collections. This was identity theft. I spoke with XXXX  and was told I would owe no debts and my accounts would be removed. I now see I have this debt owe my credit report and its fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND I NOTICED ACCOUNTS WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY PERSONAL INFORMATION, BECAUSE ONE OF CREDIT BUREAUS REPORTING WRONG DATE OF BIRTH, I WAS VICTIM OF IDENTITY THEFT, I HAVE NO CONTRACTS WITH MY SIGNATURE, I DON'T WANT TO BE RESPONSIBLE FOR SOMEONE'S DEBTS.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
on XX/XX/2022 XXXX fraud charges were charged to my account from XXXX and XXXX. I did not authorize these charges.. I called the fraud department and was no help. My bank was open and was able to talk with one of the banking managers. She tried her best to help that day to stop the pending charges and refund me the amount that was taken which was about {$700.00} but since it was the holiday weekend, nothing could be done until the next business day, which was XX/XX/2022. 
Investigation was taking place due to the fraud charges and was left with no money for XXXX weeks and was money not fully returned into my account. They stated that I had previous charges that were pending which was not true and did not refund all the overdraft fees which was not to my doing. 
I am very disappointed how this branch took care of me after being a customer for a very long time and just want a review in getting my money back that was taken by a hacker in hacking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a Comenity Sony Credit Card and am traveling almost XXXX miles away from home. After 2 days ( and confirming via text that the transactions are indeed mine from traveling ) my card is getting declined. I went online but the site is undergoing planned maintenance that is running longer than expected and I have no access to my account. I tried calling the customer service line ( XXXX ) and the fraud department and it all says that they can not access accounts and it hangs up on you. I dont know if there is fraud on my account or if the maintenance causes the declines, but Im running out of other funds fast. How do I get help?

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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 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 card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Approximately 6 days ago, millions of consumers lost access to their Comenity Bank credit card including co-branded cards, myself included. 

1. We are not able to login to the web URL to view account information, pay bills or view transactions. 

2. We are not able to call and speak to someone. We are given a recording that states agents are off and unable to look up account information while a system upgrade is taking place. 

https : //d.comenity.net/ac/comenitycard/public/home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ADP Inc.
State: FL

Complaint narrative:
I went around XXXX XXXX time on XX/XX/2022 to purchase a XXXX to pickup a bed and couch for my son.. When I was done. I tried to put gas in my car and it declined. I told the XXXX that is in possible I have over {$880.00} in my card. Told him to try it again and it declined when I check my balance it says XXXX fraudulent transaction XXXX for {$400.00} the other for {$380.00}. When I look at the statement both transaction were done in XXXX, FL. XXXX hours and XXXX minutes away. I live in XXXX, Fl. When I reported to the card company that I told them I physically have my card in live in XXXX, FL How in the world someone can take an ATM withdrawal the same time I am in XXXX purchase a XXXX that physically was done. I told them this is my rent money. I have been XXXX  with XXXX kids I am not going let this happen to me again. If I pay my rent late this will risk me from renewing my lease. This all the money I had. You can see it was fraud they told me I have to wait 45 days until my fraud dispute get resolve that is unacceptable. I thought my money would be safe you can plainly see it a fraud but you tell me I have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
loan wa snever executed per vehichle of interest was sold and I never took possesion of vehichle, numerous visits to branch as well as multiple phone calls to address situation, was assured that loan was cancelled, however still showing on account and reflected on credit report. loan no.XXXX Navy Federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief