vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATIONXXXX Account # XXXX has XXXX XXXX XXXX Account # XXXX violated my rights.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I tried to log into my comenity bank account on XX/XX/27 to make a payment and kept on getting the same error message : were sorry. A technical glitch has occurred and your request can not be completed. Please try again. 

I tried to call the number on my card to make a payment over the phone and after waiting to get to customer service, the automated voice said their offices are currently closed and it hung up on me. 

I went to their social media pages and found out theyve been doing maintenance on their website since LAST WEEK and no one has been able to make a payment or access their account information. This is illegal. 

They are not responding accordingly to customer complaints. Additionally, they wont say whether theyd waive the late fee or what will happen when all of our late payments get recorded on our credit scores. Very dishonest and unbelievably sketchy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
SOMEONE USED MY IDENITY TO OPEN A CITI BANK CREDIT CARD WITHOUT MY PERMISSION.

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 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NY

Complaint narrative:
I have discovered that my cash app account was closed for no reason on XX/XX/2022. I have contacted customer support on that day and was told an appropriate team will contact me via email on how to resolve the issue I am experiencing. I have not received any communication back since then and no ETA on the email was provided. I tried opening up a new account but it appears I was locked/blocked. I am trying to get answers and to resolve any misunderstanding that might have occurred. I cant get any representative to assist me on the problem and frustration bestowed on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. 

Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. 

I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. 

This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. 

As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. 

Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. 

It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I received a letter concerning a debt with XXXX usa . This account was previously sent to another collection agency to which the debt was disputed as well. Now, the disputed debt has been reported to this agency who is also trying to collect. I have requested validation of the debt as required by law and it has not been received. Additionally this debt has now been credit reported despite the written request for validation, and does not report as in dispute in violation of law. The letter that was sent dated XXXX requesting the validation is attached.

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My husband and I were in XXXX XXXX, XXXX on XX/XX/XXXX and we used our American Express card at a gas station to fill the tank about 6 to 8 gallons ( For reference we were driving a XXXX XXXX that gets around 30 MPG and is a XXXX tank ). Also, I am not a fluent XXXX  speaker but can understand the majority of what someone is saying. 
The attendant pumped the gas ( we werent allowed to pump it ourselves ) and when he was done he came up to the car window with a handheld card reader. I provided him first with our debit card but he stated it did not work. I provided him with our American Express card, and he ran it on the handheld device and stated that it was all good. He did not give us a receipt stating that the receipt portion of the machine wasnt working. We did not sign any receipt. 
When we got home a few days late, we were reviewing our charges and saw that we were charged USD {$2300.00}. Of course, we contacted Amex to dispute the charge. 
Amex stated they would do an investigation and get back to us. Amex stated that since the merchant was able to provide a signed receipt that they were not going to reverse the charges. We again contacted Amex and stated that the signature on the receipt was not ours, and although we were at that gas station we only got about 6 to 8 gallons of gas. We also told Amex that we never received any communication from them on the day of the charge regarding the large amount. Amex again stated they would investigate and again the answer was the same. They would not reverse the charges, they stated we could not provide any evidence that disputed the receipt from the merchant. 

We decided to contact the XXXX  and the response from Amex was again that there was nothing they could do. We had given the merchant our card and they do not authenticate signatures. 

We are astonished by the response from Amex. The main reason we have used Amex outside the country ( we live in the US ) is because of their reputation for always having the back of their customers. We are so disappointed, frustrated, and disgusted. We would appreciate any help in resolving this matter in a manner that is fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1605 Determination of finance charge 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Bank Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2022-06-27 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Bank Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2022 erroneous charges appeared on my husband 's checking account/debit card statement for which I am listed as co-owner. The statement attributed the charges to the " joint account holder. '' There were three charges, two to a XXXX XXXX restaurant for {$25.00} and {$95.00} and one to XXXX XXXX XXXX for {$1800.00}. My husband called the phone number listed for XXXX XXXX ( XXXX ) and a recording answered claiming he had reached XXXX XXXX, an online payment processor, and advised him to contact the leasing company or property management company to which the payment was made. Since we have no idea what or where XXXX XXXX is, he tried a number for a XXXX XXXX in XXXX, FL and got nowhere. He reported the fraudulent charges to Capital One, holder of the checking/debit account, cancelled and destroyed the only existing debit card and received a replacement from Capital One a few days later. On XX/XX/2022, my husband received a call from XXXX XXXX from XXXX XXXX corporate headquarters. XXXX XXXX looked into the charges and provided copies of the receipts for the charges that were made using the telephone app Onedine at one of their restaurants in XXXX XXXX, CA. ( Receipts are attached to this complaint )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have XXXX credit cards with Comenity bank : XXXXXXXX XXXX and Victorias Secret. I have been trying since XX/XX/XXXX to make a payment on one of those credit cards on the website ahead of a payment due today, the XXXX. I found that last week, the site was down for ALL of my credit cards with that company. I was unable to login, access my account, statements, make payments, etc. I noticed on XXXX and XXXX that they were addressing peoples concerns with this outage by telling them to call a specific phone number on the back of their card or to use the same day payment option on their website. I tried both of those options on Thursday and I was unable to reach anyone on that phone line, and the same day payment option was not available and was not working that day either. So the direction of the company was giving everyone was not correct. They kept giving canned responses to everyone who was concerned about it and told them that the outage would last until the beginning of next week, which is todays date. I attempted to use XXXX on several occasions to reach out to them about the issues that I was having and I got a canned response to use the phone number on the back of the card To make the payment. When I did that, the automated message on the phone said that no agents were able to assist with anything related to accounts and eventually it disconnected the line. I was unable to speak with anyone on the phone at all. I tried to log into my accounts again and one of them logged in but it had a massive error message on it and it also said that my account was closed ( which is not possible, I hadnt received any communication about this ). I reached out again on XXXX, along with quite a few other people, and we were still given the same response to simply wait and sorry for the outage, and that it will be fixed eventually, and to try calling But every time I try to call, there isnt a human available to help me try to make a payment. My payment due today has a possibility of incurring a late fee if I dont pay it today but I have literally no way to pay it. I dont want any late fees or negative credit reporting and I simply just want to have access to my accounts again. Reaching out to the company on social media seems to be the only way to get any kind of response in general but its all the same and its not helpful and its not resolving anything. Its predatory that theyve had their website out for almost a week if not longer and that no one is able to make any kind of payments on these cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC
State: MN

Complaint narrative:
For several weeks from early XXXX until XXXX XXXX I worked with XXXX XXXX with XXXX XXXX to secure an FHA loan. I was given a pre approval letter, made an offer on a home and was lead all the way to a closing which turned in to that being pushed of twice and costing me money. 

I have contacted XXXX and have gotten no reasponce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX  {$1700.00} is owed XX/XX/2022 Sent to collections due to non-payment Lender Information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XXXX XXXX  store gave me a credit card without my consent and I immediately cancelled and told them this was not authorized and not to report this because I did not consent.

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 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
In short, Cash App says they issued a refund through an Electronic Funds Transfer - Date and Time : XX/XX/22 at XXXX PDT - Amount : {$200.00} - Sent to a card ending in : XXXX I talked to my Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX several times and they said the EFT was never received so they will not open a case to investigate the issue. In other words, both Cash App and XXXX XXXX XXXX XXXX XXXX are refusing to do anything to resolve the issue and I am out {$200.00}. I attached emails to and from Cash App to document the issue. I am unable to provide the name of more than one company in this complaint so I included Cash App. It seems reasonable to expect that XXXX XXXX XXXX XXXX XXXX can be more helpful in resolving the situation. Please let me know if you want that account number. 

This is the 3rd time I submitted this same complaint and it has been closed twice because, " Some of the data provided indicates that someone other than you may have submitted the complaint. I called several times and spoke to a supervisor who said there is no way to know what the issue is and to file a third time. I have contacted the CFPB Ombudsman regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX days straight with transunion 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 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 Transunion. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-27 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: Experian Information Solutions 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 XXXX 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 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 .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 XXXXdays 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 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 n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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