vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Account was opened on XX/XX/22 with Comenity BJ 's My Perks MasterCard. Since that date various charges have been made, but XXXXomenity BJ 's My Perks MasterCard continues to post no rewards. The terms of the XXXX XXXX offer 3 % on most BJ 's purchases, excluding alcohol, tobacco, lottery, gift cards, cell services, and optical purchases. 2 % on dining out and non-BJ 's gasoline, and 1 % on all other MasterCard accepted charges. Despite these conditions being part of the credit card agreement, no rewards are being credited to the account for purchases made to date, and the online services list incorrect reward percentages. Please review the attached documentation. 
According to calculations on the Rewards Activity sheet, Comenity BJ 's My Perks MasterCard owes {$14.00} in Rewards. Furthermore, pursuant to the Summary sheet they do not even credit the same awards that they issue on the activity sheet. The Summary Sheet should accumulate {$32.00} in awards available, and {$0.00} redeemed. 

Comenity BJ 's My Perks MasterCard does not respond to direct secure messages or phone calls to their customer service center. 


..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a travel package from XXXX XXXX XXXX with XXXX XXXX in XX/XX/2022 for {$920.00}. The merchant turned out to be very shifty and sold a package for an event that was not happening in the timeframe that he told me it would happen ( XXXX XXXX XX/XX/2022 ). I filed a dispute with Capital One and sent them all of my information that I received from this merchant where he stopped responding when I asked questions, where he changed his website to display something different than what I paid for, he changed the subject of our emails, etc. This is a pure example of fraud. XXXX XXXX my claim was denied stating there was no evidence of wrongdoing even though there was a plethora of evidence showing that this merchant was no good. 
On XX/XX/XXXX I requested a reopening of my case because on XX/XX/2022, the merchant stated he would grant me a full refund and it'll take 14-20 days. It is now XX/XX/2022, my account with capitalone has been hundreds of dollars overdraft because they retracted their temporary credit and I received information stating my dispute was again denied. I called CapitalOne and they state that my request was outside of the timeframe because my dispute was already denied and closed as of XX/XX/2022. Both the agent and the supervisor I spoke to insisted that I was in the wrong because I was fully XXXX off with them not listening to me-they were robotic reading notes and not listening to what I was saying. The agent I spoke to to request a second look never opened my second case. It look a long conversation with the Claims Supervisor to find this out. After speaking with the supervisor, he states that they will not approve my dispute because the merchant says he will give me a cash refund. In this instance CapitalOne is EXTREMELY wrong because the merchant says cash refund as means to refunding my card as opposed to giving me a credit. CapitalOne keeps saying I need to contact the merchant when Im consistently telling them the merchant will not respond. It's almost like they arent human, like they dont know how to handle these situations without a script. It's INCREDIBLY frustrating. CapitalOne is gatekeeping a fraudster and treating the victim like they're the bad guy. Everytime I speak to someone it's a new reason why they won't help me to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I opened a loan with One Main Financial in XXXX, I made payments and have had XXXX occasions where I had to do a deferment and one where I had to do something that they tell me that makes no sense to me, My original payout date was XX/XX/XXXX due to this being a 60 month loan. Because of the deferments and the other that I had to do that pushed me out to XXXX of XXXX. 
The problem is that after 4 years of my {$300.00} per month payments I still have a loan balance of {$5400.00}. They charge a fee of over {$5.00} per day in finance charges. I have spoken with 6 different people and everyone has told me that I will continue to accrue finance charges daily. If I were to keep paying my payments every month until XX/XX/XXXX they would have to take every dollar of that payment to pay off that loan balance. This does not include any finance charges. 
I have tried to resolve this on several occasions and no one there can explain to me why my balance has not came down. I have not received any return calls to explain this I am only told that someone will call me back when they have the answers. 
To date I had a {$8000.00} loan and have paid back {$14000.00} with a loan balance of {$5400.00} still. If I continue to pay them the {$5.00} per day in finance charge and the remaining balance of the loan I will pay back {$28000.00}. 
I feel like this company is taking advantage of people who will not question them in the payback process because they are happy to get the loan. I feel like I should be able to get the answers that I have repeatedly ask for. I think that the finance process with this company should be looked at and should be better explained to the clients who come there to get a loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXm XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Personal check written to landlord was stolen out of the XXXX and fraudulently endorsed and cashed on XX/XX/2022. PNC opened case on XX/XX/2022. PNC never sent documents to be filled out nor would return any phone calls. Case was closed XX/XX/2022. Case was reopened after extensive phone calls mid XX/XX/2022. XXXX Police Reports and XXXX Affidavits previously completed were sent to PNC. XX/XX/2022, PNC determined that Fraud did occur but refuses to reimburse for the fraud in the amount of the check, {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX - Account # XXXX - has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights National XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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- States A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX - Account # XXXX - has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights National XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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- States A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
SUBMITTED FRAUD CLAIM ON A STOLEN CHECK THAT WAS CASHED AT TRUIST BRANCH VIA " XXXX CASHED ''. 
NO VALIDATION WAS DONE ON CHECK AND PERSON IT SEEMS HAD NO ACCOUNT TO BE ALLOWED TO CASH CHECK ON SPOT. 

CHECK STOLEN, FORGERY OF CHECK, BANK DENIED MY CLAIM STATING " CONSUMER SHOULD HAVE HAD CHECKS LOCKED IN A SAFE OR OTHERWISE SECURE AREA '' CHECK WAS INSIDE MY KITCHEN DRAW NOT VISABLE, INSIDE MY SECURE HOUSEHOLD, LOCKED DOORS, XXXX THEIF WAITED TILL I HAD TO LEAVE AREA TO STEAL CHECK FROM SECURED AREA IN DRAW OF KITCHEN XXXX TRUIST IS NOT ACCECTING MY CLAIMS DUE TO THERE OWN FAULT ... COVERUP OF BROKEN/NEGILIANCE PROCESS AT THEIR BRANCH BANK SHOULD NOT IMPACT COMSUMER, AS THEY ARE DENIED CLAIMS REALLY DUE TO BRANCHES MISTAKE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: AL

Complaint narrative:
Hello, I got my wallet stolen and my social security number was in there. My identity was stolen and did not make these inquiries .I need these inquires removed off my credit as soon as possible. 

The accounts names and dates of the unauthorized inquires are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXXXXXX 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 2022-07-06 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: IL

Complaint narrative:
this is another credit card that i did NOT open i have tried to call the bank but there are not picking up pls cancel this and make this sure that i do not have to pay anything as i did not authorize this at all pls help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was scammed by XXXX  and XXXX XXXX using Zelle. The phone number that the scammer used was ( XXXX ) XXXX. They both promoted a business assistant website stating they were able to help with business funding, logos, website, etc. after submitting my payment to get assistance the scammer blocked me and did not do any of the work they promised. This was a Zelle transaction. I used my email to make the purchase through Zelle ( XXXX ). The scammer did not provide any of the services the offered. They used Zelle to scam and steal my money with false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: PA

Complaint narrative:
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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to dispute US BKPT CT TX XXXX XXXX  XXXX Account number XXXX on my credit report several times as inaccurate ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) as not mine but the credit bureaus have verified that it is accurate. I mailed a letter to the county records office ( XX/XX/XXXX ) pertaining to US BKPT CT TX XXXX Account number XXXX where this occurred and they replied on XX/XX/XXXX stating that they do not send information to the credit bureaus. This is where I am confused because after reading the law the FCRA if the original creditor or institution can not verify the information then the credit bureaus reporting it have to delete it. I sent this into the credit bureaus as well along with the paperwork from the county record office and it seems like they are not doing ANY sort of investigation which they are required to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to dispute US BKPT CT TX XXXXXXXX XXXX XXXX Account number XXXX on my credit report several times as inaccurate ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) as not mine but the credit bureaus have verified that it is accurate. I mailed a letter to the county records office ( XX/XX/XXXX ) pertaining to US BKPT CT TX XXXX Account number XXXX where this occurred and they replied on XX/XX/XXXX stating that they do not send information to the credit bureaus. This is where I am confused because after reading the law the FCRA if the original creditor or institution can not verify the information then the credit bureaus reporting it have to delete it. I sent this into the credit bureaus as well along with the paperwork from the county record office and it seems like they are not doing ANY sort of investigation which they are required to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: VA

Complaint narrative:
This account is totally inaccurate and has missing information. I find this report as erroneous and have violated the FCRA rules to its inaccuracies in reporting, even if I sent several complaints to Equifax and to the company there never responded to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed loan documents on XX/XX/2022 for a HELOC with Regions Bank. Based on issues with the process, I confirmed to management that I did not wish to proceed with the loan, within the recission period. They indicated that the loan and application where withdrawn. They then proceeded to encumber my property by recording the {$25000.00} lien without funding the loan. I am not being prevented from finalizing a new loan with a new lender based on their error in recording an unauthorized lien against my property

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