vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid off the balance including late fees of my XXXX XXXX credit card in XX/XX/2022. They continue to charge me interest and initially refused to close my account even if I paid off the debt that they said I owed. 
I was hung up on several times and also the customer service agent cussed at me and refused to close my account. 
I was finally able to get a hold of someone else who explained everything to me, deleted the fees after I threatened to report them, and supposedly closed my account. 
I have no confirmation that the account was actually closed Nor do I have any confirmation that they did away with the interest on a XXXX balance credit account. 
I will no longer have cards with Comenity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I saw an inquiry for a XXXX credit card that I never tried to get on my XXXX account I reached out but they never did anything about it stating XX/XX/2022 when my credit is frozen any inquiries I have are linked to accounts that I own I also have a comenity/XXXX inquiry but I didnt apply to them either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
so check this out, I went to get a job and was denied due to things on my report that don't belong to me. there is a car loans and credit cards that don't belong to me at all and they are a result to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Whenever I call EQUIFAX, they have a problem accessing or pulling up my credit file using my social security number. They keep telling me to mail my social security card, Drivers License, and a cover letter. I have been mailing and faxing these documents for weeks and they are not being uploaded to my profile. I finally, spoke with a Manager, XXXX XXXX ( XXXX ) at Equifax who told me that because they are unable to locate a credit file for me, they keep destroying my documents that they receive via mail and fax. I have already mailed them twice and faxed them twice and yet no one at Equifax receives those documents because those documents are being destroyed due to your department not being to pull up my credit file. However, I can login to my equifax account online and check my credit score and credit report but none of the agents at EQUIFAX can pull up my credit file using my social security number. After more 15 calls to them and spending numerous hours with them on the phone and mailing and faxing all the required documents, they are still not able to create a credit file for me due to which any application I make for a credit card gets rejected for not having any credit history. I already have an existing credit card from XXXX but Equifax has no record of that. I don't have this problem with XXXX or XXXX. Both these other agencies can authenticate and access my credit report with no problems at their end. It's only EQUIFAX that I am having problem with. When I told one of the EQUIFAX agents over the phone that both XXXX and XXXX have no problem pulling my credit file using my social security number, he told that this is a question I need to ask them as to how they are able to do that? I was appalled to hear this senseless reply. 
I can't open a dispute with them online because their online system allow me. Each time I click the File dispute option, I get the following message : '' We are temporarily unable to complete this request. Please try again later. '' How am I supposed to resolve this issue if they don't let me submit documents through their online system while destroying or shredding any documents I mail or fax them because they can not pull up or create a credit file for me using my social security number?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 

Account nameXXXX XXXX XXXX : # XXXX Account name- XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 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 convictions of crimes which antedates the report by more than seven years.

15u.s.c.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I received notice in XX/XX/XXXX for loan # XXXX that sometime in XXXX they would be doing my XXXX XXXX. I had a payment scheduled for XXXX and marked Custom on the payment and made notes on the account that the amount was to be applied to XXXX. I paid a total of {$1100.00} of which the amount due on XXXX is {$1000.00}. I made notes on the account to please include the XXXX in there XX/XX/XXXX XXXX XXXX. 

I did advise I was paying the balance on XX/XX/XXXX which should bring my Mortgage payments up to date before the end of the XXXX. However, Rocket Mortgage XXXXXXXX XXXX  did the analysis on XX/XX/XXXX and failed to include the amount I had paid towards " XXXX '' as a result they say I have a shortage. I have contacted them XXXX XXXX to tell them they did the analysis prior to the full payment of the XXXX  which I did pay post to the account. They based their analysis on the funds that were there and refuse to take into consideration the amount that cleared. Their refusal to consider the amount that I said was to be applied to XXXX, they are now asking for an ADDITIONAL {$1100.00}. XXXX of the reps I spoke to said that I was ok that it would balance out automatically, that there was only a shortage of {$7.00} due to a small increase in taxes. I paid the {$7.00}. Then, The mortgage company took the monies I had paid part of my XXXX Mortgage payment whose portion is XXXX and added it back showing that I owed {$2400.00} or something to that effect. 

I have called them XXXX XXXX to tell them that I was NOT going to pay an additional {$1100.00} because they have the monies pending in the account when they did their XXXX XXXX, and they did not include the partial payment I had made because it did not reflect on my account until XX/XX/XXXX. I have contacted them XXXX XXXXs about this error/issue and they refuse to adjust the Escrow and are asking for an additional XXXX by XX/XX/XXXX which already was applied to the account on the XXXX XXXX which had not cleared & post to XXXX when they did their " so called '' analysis. They are trying to rob me of my monies and force me to pay more on my mortgage when they alredy have the money. My insurance is not due until XX/XX/XXXX. 

I am the sole provider for my household and everything has gone up and I am doing XXXX to keep up with my payments so that they are paid in full before the end of the XXXX They should have better listening skills and correct my account & include the monies I already paid and they failed to include on their analysis due to a timing issue. 

This is a big deal because my mortgage should go down by {$100.00} and it is all due to Rocket Mortgage failure to help me.I can not dish out almost XXXX for a mistake or failure to verify or adjust accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received a California Middle-Class Tax Refund Visa Debit Card from XXXX XXXX XXXX XXXX a service of XXXX XXXX XXXXXXXX XXXX for {$1000.00} and managed by Money Network . 
I activated the card 10 days ago and created an online account with the Money Network. 
They requested the last 6 numbers of my social security to create the account. That was already weird. I waited 4 days for a balance transfer to my XXXXXXXX XXXX account. 
When I logged back to Money Network the balance was ZERO dollars because the card had been used five times at XXXX store in XXXX, CA on XX/XX/XXXX in the afternoon. 
I called the number on the back of the card and the representative told me they could not do anything about it and were taking notes of my issue and they did not know when this will be resolved. 
I also called the California FranchiseTax Board which has an arrangement with these fraudulent companies and every time you selected money network you will be directed to Money Network to tell you the same thing : " they can not do anything about it '' I need to get that relief money back into my account to use it as it was meant to be : a relief.

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 2022-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NH

Complaint narrative:
My student loans were with XXXX until XX/XX/XXXX, when they were transferred to Mohela so I could apply for the waiver for XXXX. From XX/XX/XXXX until XX/XX/XXXX, my loans were in deferment as I was in college. After finishing my program, my loan payments resumed, despite there being a payment pause due to XXXX. I had assumed that it was because my loans were not held with the government. When my loans were transferred, XXXX told me I had XXXX payments toward XXXX. Mohela added several payments, from XX/XX/XXXX until XX/XX/XXXX ( during the continued XXXX pause and while the loans were evaluated for the XXXX waiver ). On XX/XX/XXXX, I received an email from Mohela with an updated XXXX count of XXXX eligible payments with XXXX qualifying payments. My loan balance showed {$0.00}. ( I still can't even believe this has happened ). 

I have tried calling Mohela 's number, but I can't get through the automated system as it won't accept my birthdate and therefore can not find my loan information. There is no email to send a request to, and the forms on their website do not apply to my questions. 

XXXX, can I request a refund for the XXXX I paid on my loans from XX/XX/XXXX through XX/XX/XXXX? XXXX said that XXXX loans don't qualify for a refund of payments made during the COVID pause because those loans are not federal loans ( if they weren't federal loans, then I wouldn't have been able to put the loans into a Direct Loan to qualify for the XXXX waiver ). 

XXXX, is there a way to know how I reached the XXXX payments when XXXX only had me at XXXX? I'm trying to determine if I am owed a refund for the payments over XXXX or if those payments came from forbearance or deferment periods. None of that information for my loans is on the XXXX site- it only shows the full balance but not the number of payments through each of the servicers I have had over the XXXX ( XXXX was terrible ). 

XXXX if I am owed a refund, what is the timeline for it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: NC

Complaint narrative:
I have submitted multiple disputes and XXXX reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: PA

Complaint narrative:
I have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect. 

Date of last activity is reporting false dates. 

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from XXXX, EQUIFAX, & XXXX. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621.

This charge off is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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:
I have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX  XXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect.

Date of last activity is reporting false dates.

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from EXPERIAN, XXXX, & XXXX. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621.

This charge off is being investigated by the 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 2022-12-22 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valley Collection Service, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX at Valley Collections regarding the validity of the utility bill as I was trying to recall what occurred from when I moved out of a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount was over {$2500.00} I had utilities with XXXX in XXXX and with XXXX  XXXX XXXX. I was confused on this bill that appeared on my credit. I have called several times speaking with Valley Collections  to resolve this. 

XXXX informed me to settle this account with XXXX XXXX XXXX their client. I called XXXX went over the account with her and informed her I had a move out date of XX/XX/XXXX. I am trying to determine the validity of the debt and what occurred. That I would like to settle this debt based on my circumstances. 

She said that I have to discuss a settlement for the debt with Valley Collections if they agree to do this. I called XXXX back today XX/XX/XXXX at Valley Collections was informed it would be XXXX XXXX XXXX the client to approve. She said she did send over my letter for the debt validation to them and the offer I made. She did not get a response. 

XXXX asked I send the proof of my move out date and the settlement offer letter to her email. She will again send this over to XXXX XXXX  XXXX to see if they approve she said if they accept the offer they can agree to take the payment for the {$1600.00} I offered. 

In review of my bill the average is XXXX XXXX {$40.00} per month for a sewer at the time I lived at the residence. I was charged past my move out dates with any recollection I do not know what happened. XXXX XXXX  XXXX continue to charge me from XXXX of XXXX XXXX. 

I have been sent from Valley collections to XXXXXXXX XXXX XXXXXXXX back and forth several times while trying to find a resolution. 

I have attached emails, letters, and the proof of my move out dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
My complaint is regarding Optum Bank. They are the provider for my XXXX. I made a payment in the amount of {$640.00} to XXXX XXXX XXXX XXXX using Optums online bill pay service. The amount was debited on XX/XX/22, but never received by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is asking for a receipt so they can look for the payment ( e.g. check #, transaction ID, etc. ). I just spoke with XXXX at Optum Bank who refused to provide me with any information I would need to find the payment or put in a claim on his end to research the payment. Now I am out the money from my Optum account and still owe the money to XXXX XXXX XXXX XXXX with no recourse for getting my money back. How can I move forward to resolve this and find out where my money is?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a notification that an alert was on my credit report today XX/XX/22. Someone opened a inquiry and credit card for CBNA/ THD ( Home depot ) today XX/XX/22. I called XXXX to dispute and they placed a fraud alert on my credit. Then I called Home Depot credit services to dispute and make them aware. They stated whoever did it used a different address to open a credit card using my name and social today but it did not have any charges on the card as of yet. They cancelled the card immediately and changed my address so they do not receive any further information in regards to the card or my 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 non-monetary relief
Consumer complaint received 2022-12-22 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief