vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am requesting help for an existing complaint ( XXXX ) which was closed on XX/XX/XXXX. The original complaint is as follows : I use XXXX bill pay service. On XX/XX/XXXX I mistakenly made a payment to my old, expired XXXX XXXX XXXX XXXX card issued by Comenity Bank through XXXX 's bill pay system. The amount of the payment was {$3700.00}. The card number on that account is XXXX XXXX XXXX XXXX. The card expired in XX/XX/XXXX. I have contacted Comenity on several occasions and were told that they have no ability to search old accounts and suggested I ask XXXX to file a dispute against them to get my payment sent back to XXXX. I filed a dispute and after 6 plus months, XXXX has been unable to retrieve my payment from Comenity. Comenity also told me that I had no way of contacting directly their dispute center... very odd I thought. XXXX has verified that Comenity did receive the electronic payment from my bank account on XX/XX/XXXX. The Comenity folks told me that the payment should have bounced back to XXXX since the XXXX  account was no longer valid but that has not occurred. Any help at this point would be greatly appreciated. My XXXX checking account number from which the payment was sent is XXXX. My address at the time we had the XXXX card in XXXX was : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( we have since moved to XXXXXXXX XXXX  ) Please let me know if you require any further information. Thanks in advance for the help! 


That complaint was closed on XX/XX/XXXX when Comenity responded : Company 's Response Weve located the payment and an electronic refund will be issued for {$3700.00}. The electronic refund should be deposited into the bank account within 10 business days. 

MONETARY RELIEF AMOUNT {$3700.00} However as of XX/XX/XXXX ( over the 10 business days promised ) I STILL have not received the electronic refund into my XXXX checking account.. I have contacted Comenity by phone and but they still have no record of my old XXXX card account or of the electronic payment referenced in their response to my original complaint. Any assistance will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: SC

Complaint narrative:
I owe a payment to Grain that was due on XX/XX/23. I began trying to make this payment XXXX. I was not able to log into my account. I tried to reset my password and the link is not working. I tried to call the number listed on my statement and it is totally automated. I emailed support and did not receive an answer for several days I went on XXXX and left a message via messenger. I received a response. That support would be in touch with me. The support specialist that I spoke with via email was a XXXX XXXX I have told him repeatedly that the links he is sending me is not working. I have copy and pasted the link. Tried in a different browser and also tried to login using a different device. All have failed. I am trying to make my payment and have been trying now unsuccessfully for seven days, I have asked the support specialist if I could change to automatic draft and they do not answer this question I ask for an address and just received it today. However, I was told that I should not be using the address because my credit contract states that they take it directly from the bank, I can not do this because I can not login to make the payment or to even set up an automatic pay. I really need help resolving this issue. I have screenshots of everything all conversations and links. Were have tried multiple times daily to login.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Applied for the card, was approved, didn't receive the card after 4 attempts over a period of over 6 months, but kept receiving a bill

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 2023-04-27 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:
In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
1

5 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 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.

15 U.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 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 2023-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
It was false advertising and they took my personal information and my bank account information. I asked if they can delete or cancel my account with my bank account information and they said No. I need my account deleted since I will not be using the account at all. They were very misleading with getting a line of credit. 


Dear XXXX XXXX, Account XXXX XXXX XXXXXXXX Thank you for contacting NetCredit. 

In regards to your recent inquiry, we regret to inform you that NetCredit can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. 

Be assured that we take data security and privacy very seriously and safeguard all information that we obtain. For more details regarding the collection and use of customer data, you can review the NetCredit Privacy Policy at https : //netcredit.com/privacy-policy. Each NetCredit customer acknowledges that he or she has read and consented to the terms of the Privacy Policy prior to completing any transaction on our website. 

If you have any additional questions or concerns, our customer support team is available Monday Friday, XXXXXXXX XXXX XXXX and Saturday - Sunday, XXXX at ( XXXX ) XXXX. You can also sign in to view your account details online at any time. 

Sincerely, The NetCredit Customer Support Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
On XX/XX/23 I paid off my lease in full to purchase the vehicle. A payment of {$11000.00} was confirmed received by the lender which was the quoted buyout amount through XX/XX/23. When I call to check on the status of the title release I get sent to collections where they claim I am past due on a payment which is completely false. It appears that they internally changed the date of receipt of my payment to look as though I owe more money. They have not or will not send me the bill of sales to complete the buyout. They have now held my money for two weeks and have not credited my loan. They will not complete the buyout transaction. I have called at least 6 times and I get bounced from VRU, to collections, to end of lease to escalations. Its actually appears criminal what is happening here.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On Sunday XXXX XXXX  XXXX of 2023 I received a XXXX  credit card from XXXX in XXXX Ohio with a XXXX credit limit that I did not apply for. On Thursday XX/XX/2023 I called XXXXXXXX XXXX fraudulence center and spoke with customer service representative XXXX employee ID number XXXX and reported this card as fraudulent in that I did not apply for it. She took my information and was very nice. She closed the account after telling me that luckily it had not been used yet. I live in Texas and apparently the application came from the New York New Jersey area. She recommended I contacted www.ftc.gov to report it and that she would report it to the credit bureau. She also recommended that I contact the credit bureau myself and my bank.

Bottom line people, be careful with your private information and be diligent in checking your credit regularly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had five calls right in a row from Comenity Bank regarding my woman within credit card that is less than 30 days late. I called them last week to let them know that if they dont stop calling that they will hear from my attorney. This morning, the same thing happened, this time it was five calls right in a row. I called them again and advise them again of the same thing and to please stop calling me. So Ive had 10+ phone calls from them within the last six days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-27 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: NV

Complaint narrative:
I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.

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 2023-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I had XXXX defaulted modifications, I was given assistance from the state to bring my mortgage current. During the defaulted modifications my interest rate went from 4.125 % to now 5.250 %. My issue is that even after I have reached out and disputed this with the servicer, they will not change my interest rate back. They have merged with another servicer during the time of this but I never finalized any modification nor signed any paperwork to finalize it. I have started one but never made the three trial payments on time due to not being affordable as each and every time the amounts had gone up and two I have never signed documents to accept and finalize a modification. Therefore my interest rate and payment should still be what it was prior to all this. Now my loan is current thanks to the help of XXXX XXXX the servicer still refuses to take my claim seriously and change my rate back to what it was for the sole fact that my payment would drop approximately {$300.00} a month and make it actually affordable for me. I could understand this if I singed, returned, and finalized any modification but did not so I still don't understand how or why my rate has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
Their website and statements do not tell me : 1 ) How my payment was applied 2 ) Interest Accrued 3 ) Interest Accrued 4 ) Fees I also called their customer service line at XXXX and they were not able to tell me how my payment was applied.

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 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I keep receiving calls each week from XXXX XXXX XXXX XXXX stating " This is a call from a debt collector '' and asking me to call them back at a different number than called from. I do not have any debts to my knowledge. When I called back on XX/XX/23, they told me I had a debt from a doctor who I have never heard of, and that I do not know what they are talking about. They stated that they would send me something in the mail, at maximum 14 business days, and I have not received anything in the mail from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: TX

Complaint narrative:
While checking my most recent Equifax credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I have asked Equifax to personally remove these unauthorized inquires a numerous amount of times but they will not comply. I take this very seriously and have been left no choice but to file an identity theft report with FTC and the XXXX. by law these unauthorized inquires need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: MD

Complaint narrative:
I have sent two letter with all supporting documentation to Experian requesting them to update my personal information. In addition, I have requested three time from Experian, XXXX and XXXX to remove an collections account that states opened. I have been trying to compile and follow up with no response or actions being taken on my behalf

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX  and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.

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 2023-04-27 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: NV

Complaint narrative:
I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX  and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.

Company response to consumer: Closed with explanation