vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Fortiva : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Received notice from UAS of two missed payments from XX/XX/2022 on a late notice dated XX/XX/XXXX. I received it to my home on XX/XX/XXXX standard mail. I checked my bank statements and both of the payments were issued to UAS via autopay XX/XX/XXXX and XXXX. I contacted them on XX/XX/XXXX to notify them of their error. Received a message from XXXX on XX/XX/XXXX that I did make both payments and that he requested those errors be corrected. My credit dropped 25 points XX/XX/2022. When I noticed on Monday XX/XX/XXXX I contacted UAS for the second time and they told me they would manually correct this ( which I had already asked for in writing XX/XX/XXXX ). This time I spoke with XXXX. I am worried that they will not follow through if h being this is the second attempt to correct it and it is now affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: DISCOVER BANK
State: FL

Complaint narrative:
I filed a dispute through Discover Card about the purchase of a damaged motorcycle battery leaking acid. I purchased through XXXX third party merchant. They wanted the battery returned but federal law prohibits shipping of such dangerous items. Discover sided with XXXX in the dispute. Under the Fair Credit Bill Act this item should be refunded as item damaged. I have no control over shipping companies that refuse to ship dangerous items. 
Case Number : XXXX Merchant Name : XXXX XXXX XXXX  Amount : {$56.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: GA

Complaint narrative:
I am unable to access my account in any way to either make a payment, check the balance, or check for fraudulent activity. On XX/XX/22, I attempted to log into my account to make my monthly payment, as I do each month. However, the website would not allow me to log in, and has a notification that it is down for maintenance, and to try again. Same result following day and each day since. On XX/XX/22 ( and every day since ), I attempted to contact customer service with the phone number on back of my account, but similar response with a recording that states customer is service is down for maintenance, try again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MD

Complaint narrative:
I reviewed a status regarding my credit report. My report is stating I owe over $ XXXX on my XXXX credit card. When I disputed this information, the bureau told me to that there may be a time lag for when they report my payment based on the lenders reporting!

WHATS FAIR ABOUT THIS?

When I obtain the credit it is immediately reported?

This impacts my score When I make the payment and it is delayed it impacts my score Whats Fair About That!

When I pay the bill off it is delayed It impact my score Whats Fair About That?

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 2022-06-28 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, 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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
my previous complaint was addressing the extreme hold times and how I was not able to activate my replacement debit card or access my account. 
" XXXX '' I believe was her name called me approximately 20 minutes after that was submitted and told me she apologized about the experience that was going on with the call center and she is aware of the issues and a " XXXX XXXX '' will be reaching out and calling me to be to get everything resolved and at the very latest that Friday and if I don't hear from him to contact him directly and provided me a number. not only did XXXX not reach out to me via phone he responded to the CFPB complaint and just said we are closing your accounts and I need to visit a branch to get my remaining funds. veery unprofessional and with no real reason why. ( not that they have to have one ) but makes no sense sounds like retaliation to me just because the hold times are unbelievable, who wants or even can wait hours on end to fix a simple issue? anyways I will need the funds from all accounts sent to me in check via mail ASAP along with the last 5 years of statements to be mailed for ALL accounts since my access to get them myself has been restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My wife and I entered the branch office the day after attempting to set up accounts using the online portal and specifically requested they close the accounts we attempted to set up. We were told that even though they were set up online they had to be canceled in person at the branch. They are refusing to do so and are charging us fees. 

We get daily emails and texts. ( example ) Hello, Your account nicknamed XXXX has a - {$25.00} balance as of XX/XX/XXXX XXXX XXXX XXXX. Please make a transfer or deposit to bring your balance above {$0.00}. For the latest on how Huntington is looking out for you during this difficult period, go to huntington.com/coronavirus. Thank you for banking with Huntington. 

This is the letter we handed the teller. ( The teller attempted to hand it back but we insisted she keep it. ) To Huntington Bank : Pleased be advised that after the online set up procedure and phone calls to the support desk we have determined not to move forward with opening any accounts with your bank and are terminating any and all that have either completed or are in process. The checking account number is ( redacted ). The credit card has not been activated to the best of our knowledge. The savings account was created and 'lost ' during the setup. Hard to say because the web interface lets you set one up but the phone support says it SHOULDN'T have allowed that. That and other issues encountered give us serious concerns about the ability of Huntington to keep our account and information secure. As a result we are insisting all accounts be closed and all of our personal information be deleted from your systems and we receive written confirmation of the completion of process by XX/XX/XXXX. I'm sorry this didn't work out. 
Sincerely XXXX XXXX XXXX XXXX So far the only thing we have received are emails telling us we owe them service charges on an account we insisted be closed. 

How can your complaint be satisfactorily addressed? 
They can honor what we asked of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received a phone call from u.s.banks stating I owed them money but I do not recall evefr opening an account with them before. I know I had lost my wallet at the time the account was opened but I had never opened one with them. I suspect someone has intentionally used my information to open an account in my name. In the Wallet I had lost both my drivers license and social security card was in that wallet ( at least I suspect my social security card was there because how else will they open an account if they didn't have the ssn number? )

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 2022-06-28 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: VA

Complaint narrative:
Comenity BJs Club MasterCard has been down for " Scheduled Maintenance '' for over a week now. 
You can not log into their website They are not being honest You can not call them If you contact them on Social Media they are giving canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : XXXX ( Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, 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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I tried to access and overlook my new checking account online this morning, XX/XX/2022, but was only granted access to my long time existing credit card. 
I reached out to CitiBank customer service, and was referred to call the fraud department ( XXXX XXXX XXXX, opt. XXXX ). 
I provided a representative with my debit card #, SSN, name, address, security word and other personal info to verify my identity. I was told I could not be authenticated through a text message code verification, so no information or action would be taken to oversee the status of my account. I provided the associate with my phone #, and they insisted I use someone elses phone number, perhaps a brother or a sisters phone number, the representative told me. 
When I questioned how that could possibly identify me as an account signer, I was told to go to the branch, and the representative discontinued the phone call. 
I tried to contact the department 2 more times.

The first time the representative just kept saying hello, and seemed to just push number keys on the telephone. 
On the third call, I was told again that unless they could send a code to the phone number which I was calling from, they could not access my account. 
I asked to escalate the situation with a supervisor, and both the first and third representatives informed me no supervisor was available. I asked for the representatives name and they quickly disconnected the phone call.

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 2022-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer and Im making this complaint against ONLINE INFORMATION SERVICES for committing identity theft. I have never given ONLINE INFORMATION SERVICES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ONLINE INFORMATION SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ONLINE INFORMATION SERVICES continues its collection efforts, I will file for litigation for actual damages caused and ONLINE INFORMATION SERVICES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and Equifax are reporting inaccurate addresses to my credit file. Ive send them my current California ID and also a recent utility bill with me name and current address to verify and validate my identity. I sent the letters and information through USPS priority mail with multiple attempts. Nothing has happened nor have I got a response. Only when I called in and they said they cant delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have several credit cards through Comenity. I've been trying to make a payment on my XXXX XXXX XXXX XXXX XXXX  card but the site is not working ( more than 36 hours later ) and you can't speak with customer service online or via phone. I'm very worried about my personal banking information being compromised as well as being assessed late fees on this particular payment and others due this week. I have banking info stored with Comenity to make my payments and am really REALLY worried they've been hacked. They've repeatedly said they haven't been hacked ( on XXXX ) and that it's just a system update taking longer than expected ( others have said it's been like this for at least a week ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my husband went into Bank of America and deposited my check in the amount of {$11000.00} with a teller. He was told that there was no holds on the check and it should be all available in 2-3 business days. After waiting a few days we did not see any activity on our account. We began to worry so my husband called their customer service line on Friday XX/XX/XXXX and was told that there was no record of a check in that amount ever deposited. He was then transferred to their claims department where he filed a claim with them and was transferred back to a supervisor where he was told to go in to the bank and bring the receipt of the deposit and the stub of the check and speak with a branch manager. We went in to the bank the next day XX/XX/XXXX and spoke with the assistant manager, XXXX XXXX, where he tried to locate the missing check. He was unsuccessful and told us he did not know what happened or where the check was. He then told me to contact the institution that gave me the check and ask them if the funds have cleared from their account. He also said he would have this matter resolved by Monday XX/XX/XXXX but I have yet to hear from him.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have disputed this account several times it has been paid and was never late. It shows a {$0.00} balance but is still derogatory. This account has been removed but it keeps getting added back to my report

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed this account several times it has been paid and was never late. It shows a {$0.00} balance but is still derogatory. This account has been removed but it keeps getting added back to my report

Company response to consumer: Closed with explanation