vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Through XXXX, I was trying to fix my credit file. I was given recommendations for credit cards through XXXX and XXXX. Commenity Bank offered three credit cards, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. I applied for all three and was approved the credit limits for each was XXXX. I used the same information on my application for each of them and obviously the Bank reviewed my credit file and I was approved. Shortly after I paid my first payment on my XXXX credit card, my limit was dropped down to XXXX, I called customer service and they informed that it was my error, I wasn't approved for the XXXX. No body from Comenity Bank ever contacted me. Over 6 months, I have used the cards and paid them in full. THERE has been no change in my credit file, my ownership of my home and I am constantly monitoring my credit worthiness with the two credit reporting companies. I went to use my XXXX XXXX XXXX XXXXXXXX credit card and it was declined. I contacted the company only to be informed that my account was closed ... .WHY... .Nobody from Comenity Bank contacted me, but I did get a letter informing me that they closed my account due to no open real estate, too many revolving accounts, too many bankcards with High balances and too many inquiries. I am working on rebuilding my credit and nothing has changed since I applied for these credit cards. In addition, Comenity Bank has reduced my credit limit on both my XXXX and XXXX XXXX credit cards. Their information and inquiries to my account is actually hurting me and I have been a good paying customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: KS

Complaint narrative:
When asked 2 identify themself they hang up immediately, or say they dont have 2, and i have others 2 back this up as i usually answer unknow calls like these on speaker

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NV

Complaint narrative:
In accordance with the Fair Credit Act 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 DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # 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 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: GA

Complaint narrative:
Please remove the inquiries

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 2022-03-10 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:
Please remove the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions 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 2022-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
After a forbearance period in XX/XX/XXXX, I contacted my point of contact, XXXX XXXX, on XX/XX/XXXX at Shellpoint/ Newrez and let her know that I still hadnt found employment. I was told on a recorded line that I would be put on a traditional forbearance that would allow me 3 more months to find unemployment and we would touch base after the 3 months to see if there were other options available if I still hadnt found employment. In XXXX I received a late payment for XXXX. I tried contacting XXXX to find out why I was receiving a late payment if I was on forbearance. To this day, XX/XX/XXXX, I still havent heard back from XXXX. I was informed XXXX that she moved to a different department 2 days after our conversation on XXXX. However, I ended up with a new point of contact, XXXX XXXX, who emailed me that I would qualify for those months to be moved to the end of my loan on XXXX and that I could resume payments on XX/XX/XXXX, and on XXXX, I was informed by his manager that if I wait until XXXX to resume those payments, that I would be in pre-foreclosure. I have been misinformed for months, until this has taking a toll on my health. First, being late due to a foreclosure that I was told that I was under that never took place, to now being on a foreclosure because, again, I was misinformed with a clear detailed email that I would not have to resume payments until XX/XX/XXXX. All that i am receiving is apologies, but my home is at risk of being foreclosed. I am in desperate need of help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
The account Capital One is reporting is a charged off account which is canceled debt. A XXXX was issued. The account turns into gross income. Income can not be reported on a consumer report per federal law. This account is reporting inaccurate information. 
Consumer reporting agencies don't have permissible purpose. I have not given written consent. 
Delete this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have not made a cash advance in over a year and my Wells Fargo bank keeps charging me interest fees every month and when I called and talked to a banker she told me that I will have to pay that fee until I pay the entire credit card balance off. I don't quite understand that when I am paying a interest fee for my regular purchases which is fair. Example XXXX  Statement : Interest charge on purchases {$11.00} Interest charge on cash advances {$39.00}

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 2022-03-10 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: FL

Complaint narrative:
To whom it concerns, I have reached out to XXXX, Equifax, and XXXX concerning three account that information was posting improper information concerning my accounts. I have sent letters twice times and I have waited the proper time frame to receive information concerning these items and I have sent letter via certified mail numerous occasion yet I receive no letters or information supporting the companies information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: FL

Complaint narrative:
To whom it concerns, I have reached out to XXXX, XXXX, and Experian concerning three account that information was posting improper information concerning my accounts. I have sent letters twice times and I have waited the proper time frame to receive information concerning these items and I have sent letter via certified mail numerous occasion yet I receive no letters or information supporting the companies information on my credit report.

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 2022-03-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Disputes are claimed to be filed. Resolved within hours with no results. I have asked multiple times for negative items on my credit report to be VALIDATED or DELETED. They have not sent me.one original contract, payment history, balance history, credit insurance or interest rate for any of the items negatively impacting my credit. I demand to have these items properly investigated or removed.

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 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My Citibank account has been closed for over a week and the bank is still playing games refunding my money. Liars liars they are and will soon land in very very hot water over this. They are very evasive and don't answer questions or the answers are scripted for every customer they have stolen money from and wont return it. 

Attempting to steal money from the Federal Government ( Treasury ) is a federal crime and will look very good in a lawsuit. Citibank keep up with all your shenanigans with people 's money and you will dearly regret this.

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 2022-03-10 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: AR

Complaint narrative:
I am a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.

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 2022-03-11 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: ID

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-11 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
When Suntrust merged with Truist, I expected a new debit card. In mid XX/XX/2022, I received a call from Truist asking me to contact the support team about a potentially fraudulent charge on my debit card. I confirmed the charge wasn't mine. Of course, my current debit card was then frozen. It took two trips to the local branch and spending multiple hours to obtain a temporary card. Meanwhile, my new permanent card has never arrived. I was told it was mailed XX/XX/XXXX. It is now XX/XX/XXXX. On XX/XX/2022, I receive a post card from Truist stating my PIN had been changed and it reported the new number. The card stated that if I did not request the new PIN to contact Truist at XXXX Whenever I call, I am placed on hold for hours at a time. I can not call them and do my work also. I can find no place to contact Truist to request a new debit card be sent to me. I can't take time during the day to go to my local branch due to my job responsibilities. All I want is my new debit card and to confirm that I never requested this new PIN and to make sure the PIN given is not associated with my account in any way.

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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
First Progress Account # XXXX is currently violating FCPA 15 USC 1681s-2- Resposibilities of Furnisher of information to consumer reporting agencies. DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. I have directly requested validation of Debt regarding First Progress Account Number XXXX via USPS Certified Mail XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX. First Progress Did Not Validate this debt in pursuant of the FCPA. I mailed the letters in pursuant of the ADMINISTRATIVE PROCEDURE ACT.. In addition First Progress has reported different payment history to XXXX than XXXX. On XXXX credit report is shows " No Data Available ''. On XXXX there are codes and figures in payment history. Futhermore the IRS states " Cancelled Debt '' as " gross income '' ( see enclosed IRS publication on Cancelled Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband and I had a home equity line of credit with SunTrust bank, which we paid off in XXXX of last year when we sold the property. We are in need of copies of 4 checks written against that account. We have spent a total of 8 hours on 3 separate occasions trying to get this information. The first call, the person said they would order the checks and they would be mailed to us within 10 days. We called to follow up in about 3 weeks and no one had a record of this. The second person gave us a ticket number, but when we called today to follow up no one could reference the ticket number. Today we both called and have been given different answers after very long hold times. The last person I spoke to said that they do not have access to records of accounts closed before the Suntrust/BB & T merger . We can not complete our income taxes without this information.

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