vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I received two credit hits in my report from the Company Credit Control Group for the following alleged amounts ( which I do not own ) and I am requesting proof of debt if they are taking the liberty to write to the Reporting Agency : 1. Potential Negative - Major Derogatory Source : XXXX Balance amount : {$300.00} Is Collection : Yes Open date : XX/XX/2023 Name : Credit Control Corp Phone : XXXX Business type : XXXX  Street address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 2. Potential Negative - Major Derogatory Source : XXXX Balance amount : {$230.00} Is Collection : Yes Open date : XX/XX/2023 Name : Credit Control Corp Phone : XXXX Business type : XXXX Street address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX This is inaccurate reporting and needs to be removed immediately from my reports. Please send me a copy of my credit report when the above deletion has been done.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX Opened XXXX credit card to receive discount on XXXX purchase. 
XXXX received statement saying I am late and there was late fee on top of my XXXX bill. 
Immediately went online activated card, paid balance in full, then contacted them saying I never received first bill and requested late fee credit which they did do. I received emailed payment confirmation showing bill paid in full with checking account ending in XXXX. 
XXXX received letter in mail saying my payment was returned and i was now XXXX in fees on top of my XXXX bill. I immediately went online paying bill with same bank account ending in XXXX in full minus XXXX in fees because there was plenty of money in account to cover the XXXX payment. I also closed my account at that time time because I felt this is a shady credit card, that is trying to scam me because they didnt send me the first bill charging me a late fee, then they returned my payment when there was plenty of money to cover my payment. 
Over the course of the next couple weeks kept calling them trying to get the returned check fee credited because that was an error finally I was told to reach out to bank XXXX  they were at fault which bank told me it was never presented for payment. 
XX/XX/XXXX XXXX As requested submitted proof of money in account which I submitted both my XXXX and XXXX bank statements, along with both the XX/XX/XXXX and XXXX payment confirmation showing bank account ending in XXXX and XX/XX/2022 account activation email. 
XXXX XXXX received email from Comenity Bank at 6 XXXX saying info received and forwarded to correct dept. 
XXXX XXXX even though I was told on phone that disputed amount dont require payment I still responded to that XX/XX/XXXX email asking that all is left on account is disputed fees, do I have to pay them to avoid more fees BC I dont want anymore fees or this effecting my credit score. I was told disputed amounts dont have to get paid. 
XX/XX/XXXX I received letter in mail saying I am a valued customer and to call them as soon as possible to resolve my issue. I called immediately and while waiting to get connected a recording told me my balance is now XXXX which is another late fee and not only that after asking for supervisor the senior acct specialist told me he can only remove the latest late fee which is the fee I got for not paying the disputed amount before the due date which is such a scam. 
Why did they tell me to call asap to resolve this only to be told my original dispute is no even though my bank statements show money to cover item and its an error. They said bank account number is one number different. They already knew that when they told me to send bank statement showing money in account. They did that to tack on another fee. This company is so shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX requested a dispute from synchrony about a package I did not receive from Jcp. 

Said I will receive a letter in 7-10 business days about the dispute. That did not happen. 

XXXX-opened new dispute again With synchrony because I am not paying for a package I did not receive. 
They said XX/XX/XXXX Additional documentation from Jcp : confirmation of package received and they closed my case from XX/XX/XXXX. They told me to contact the merchant who will not resolve the dispute. I contacted them XX/XX/XXXX and they told me they could not do anything for the dispute. That is why I contacted synchrony to dispute.

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 2023-02-09 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: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 USC 1681 Section 602 Section I have the right to privacy.

15 USC 1681 Section 604 A : Section 2 : It also states a consumer reporting agency furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX  my account had reached {$0.00} due to Wells Fargo allowing a false check to be cashed under a different name. A claim was made. And funds were returned within 10 days.

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I placed an order XXXX for a refrigerator from XXXX that was delivered on XX/XX/2022, using affirm loan. Unfortunately, it was the wrong size, so I called XXXX to order a replacement and they gave me a new order number XXXX which was agreed to be delivered on XX/XX/2022. It was agreed that the old refrigerator will be picked up while they drop off the new one. 
On the day of the replacement the old order XXXX was picked up by the same delivery company ( XXXX  ). However, I have been charged for both refrigerators. 
All efforts to contact XXXX to resolve this have proved futile. I have also raised concerns with affirm/Samsung about this error and asked them to refund one of the charges, but nothing has happened. 
Resolution : I am requesting XXXX or Affirm to refund me order number XXXX as this order was picked up by the delivery company ( XXXX  ) on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I wanted to open bank account at Truist with XXXX dollars bonus. 
After I filled application, I received a confirmation that account is opened and I have to wait a confirmation in mailbox. At the same time I got account number and promo code after filling application. 
I tried to log in in the bank app and it offered to me to activate my account first by visiting one the branches. I visited a branch and was told that my account is closed and I can be ever their client because it was confirmed that I do fraud operations. And they gave me a phone number for a fraud services. I called this number and they can't help and only recommended to visit a branch. 
I bielive they just don't want to give a bonus. But the way they are working is iterally a scam. Don't recommend their service. And my credit score went down. I never ever had one payment for any of my credit cards. Truist services should be regulated and audited by government

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I keep getting emails about an upcoming payment on a Kay Jewelers credit account with a {$400.00} balance. I have never our based anything from Kay 's Jewelers. I keep being redirected from one number to another, each assuring me that the other number can resolve the issue. However, it's a never ending loop. I did ask one of the reps if they could pull up any accounts in my name so I could find out what kind of purchase " I '' had made and when they put my name in they reported that they see no purchases under my name. And then transferred me to the other number, because " they handle that ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TN

Complaint narrative:
Experian sent the attached letter to me in response to my advocates reaching out to Experian on my behalf. 
I wrote to my State Senator and to the US Secretary of Veteran 's Affairs for help. When they reached out to Experian, the company refused to allow them to advocate on my behalf. 

Experian dismissed my advocates work on my behalf in what is a clear violation of the Fair Credit Reporting Act. Furthermore, Experian claims my request for advocacy is " alleged '' and they seem to be acting in a vindictive manner toward me as a result of my dispute of their false claim that I have an " insufficient credit history, ' when I have an extensive, positive credit history dating back over XXXX  years. Experian should not act in such a childish manner and I have reinforced my position with Senator XXXX and Secretary XXXX on this point. 

Please ensure that Experian is revealed to be the out of control organization that they are, having made the decision to punatively sanction me ; A person who served his Country twice with honor - once as XXXX XXXX military and again in XXXX  XXXX XXXX, but who isn't even allowed to open a checking account at XXXX XXXX XXXX XXXX now because of Experian 's vindictive actions against me.

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 2023-02-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
i filed for bankruptcy in XXXX  i was XXXX in XXXX i asked all credit reporting agencies to remove as its been 9 years. i haven't gotten a response from any of them and its been over a year since i asked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2023-02-09 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
I recently bought a car through Driveway on XX/XX/2023. However, on XX/XX/2023 received a letter from driveway finance stating they are offering new terms from the recent purchase and i only need to contact them within 10 days of the letter date XX/XX/2023 to accept the new offer. 
I called driveway finance to accept the offer but they will not update my account with the new terms. The payment is {$20.00} lower per month at the same term length of 72 month. I simply want this offer they extended to me. Could your organization help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
To Portfolio Recovery Associates Whom it may concern : This is about the letter sent via mail dated XX/XX/2023 requesting your company for validation of the below-mentioned account number XXXX XXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction.

Further, the creditor reported this on my consumer report as Charged off. It means that the creditor will no longer attempt to collect this alleged debt owed by them.

Therefore, pursuant to my rights I approached the creditor and asked the following questions 1. Have they sold this alleged debt?

2. To who is this debt sold?

3. Are they still in the process of collecting this debt?

I am enclosing herewith the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record.

1. Yes, they have sold the debt.

2. Its sold to your company name portfolio recovery 3. Since they have charged it off, they are no longer in the process of collecting this debt.

Through the response received from the creditor, I would like to inform you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the Creditor was attempting to collect the debt when in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e. {$1000.00} ( XXXX XXXX USD ) I am attaching herewith the invoice and if you fail to pay the same, I will escalate this matter to Federal court. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CT

Complaint narrative:
i filed for bankruptcy in XXXX i was discharged in XXXX i asked all credit reporting agencies to remove as its been 9 years. i haven't gotten a response from any of them and its been over a year since i asked

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 2023-02-09 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: CT

Complaint narrative:
i filed for bankruptcy in XXXX i was discharged in XXXX i asked all credit reporting agencies to remove as its been 9 years. i haven't gotten a response from any of them and its been over a year since i asked

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 2023-02-09 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: CA

Complaint narrative:
In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-09 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: CA

Complaint narrative:
In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was always charged extra fees because when I made deposits it didn't register in time when they promised that it would and because of that when I make a withdrawal at the ATM I'll be charged fees for insufficient funds or when I try to pay a bill it'll be insufficient funds because of overcharging of fees

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