vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I have contacted Comenity 3 times. The 1st time I called was last week to let them know that several charges on my comenity credit card was NOT me! An agent name XXXX said a complaint was filled and that it will be investigated. He also said someone stole my credit card info when swiping at a store.. Someone stole my credit card info and made purchases totaling in {$800.00}!! I have been calling comenity this week and all calls go straight to a voice massage and the call gets disconnected! since the complaint made last week I have also lost access to my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK
State: AL

Complaint narrative:
On XX/XX/2022, I received an email from BancorpSouth Mortgage while on vacation, asking me to contact them. Upon my return, I called ( XXXX ) XXXX on XX/XX/2022 and spoke to a mortgage XXXX She stated my XXXX XXXX payment had not been received by XXXX XXXX, so late charges applied. She stated mail is very bad now ( the truth ) and with my payment history, I would probably be waived the penalty. After we spoke, I researched the BancorpSouth Mortgage website and XXXX Bank XXXX XXXX account. Both sites showed a payment of {$2800.00} sent and received on XXXX XX/XX/2022. I also verified payment is done electronically, which is immediate- no mail. So, at XXXX pm XXXX that same day, I sent an email to the original sender, with screen shots showing they had received the money XXXX XXXX, in addition to the proof of receipt and application for payments on XX/XX/2022 and XX/XX/2022. I also included a screenshot of my XXXX account showing electronic payment on XX/XX/2022. I am retired now but when I worked, I was told at XXXX different companies to respond to emails within XXXX hours. After receiving no response as of XXXX PM XX/XX/2022, I called the XXXX XXXXrom the email. After I identified myself, she put me on hold for about XXXX minutes, then stated she would transfer me to a supervisor. After XXXX or XXXX rings ( supervisor did not pick up ), the system moved me to general XXXX. As of XXXX AM XX/XX/2022, still no email nor other response from BancorpSouth XXXX Cadence Bank ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an 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 explanation
Consumer complaint received 2022-07-07 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 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, XXXX, XXXX : 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 an extension of credit 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 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, XXXX, XXXX : 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 an extension of credit account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received a text message that activity on my Chase card in XXXX Texas. It was a scam text message and I foolishly gave information. Want to make sure my identity is not used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express was notified about charges on the account after my card was compromised by a associate of a mutual friend took possession of the card and during the time in I became of aware that the card had been compromised, about 2 hours from the time it was taken, I took steps to lock the card and immediately notify the bank. The bank on the initial three calls made to secure the account, failed to authenticate me due to my inability to verify the numbers on the card ; by this time i could not access the online Card account. Eventually, after the request for an escalation, I was able to secure the card and have a new card mailed. During the transit time of the replacement card I was unable to access any information in regards to the account, but deductions and transactions was allowed on the account, and after I received the card I called to file a dispute which the account specialist did not allow due the the amounts being in pending status. Now, I have amongst the charges already conveyed to the institute on the account there is a significant amount of other charges that are now on the account and the bank has not acted on any of my request that would refund, compensate, or provide relief of the transactions which had now caused hardships effecting the budgeting of my fixed income from government issued benefits that are deposited into the account monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover Bank instead of completing an investigation is engaging in illegal retaliatory tactics and trying to punish me and I would guess other consumers as well for exercising rights under FCRA, this account information is older than 7 years old, Discover also illegal allowed me under XXXX to open this account and gave me a credit limit they were very well aware that I would not be able to afford paying back. I am XXXX XXXX XXXX and this account is older than 7 years, if I still need to be held accountable for this maybe we should also go back 7 years and investigate why Discover thought it was appropriate to give an XXXX XXXX XXXX still in XXXX XXXX a credit limit of {$1000.00}. I have filed a complaint at XXXX XXXX XXXX as well as they are now making my credit scores drop with their predatory practices. There is no outstanding balance on this account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My vehicle was vandalized twice and on each occasion, personal information was stolen from my car. I have filed police reports and added extended fraud alerts on my credit by I continue receiving alerts that my information appeared on the dark web and/or inquiries appear on my credit report which I did not authorize. I have disputed this directly with the credit requestors along with XXXX but the inquiries have not been removed. 
The unauthorized inquirers are : Barclays Bank Delaware on XX/XX/22 XXXX XXXX XXXX on XX/XX/22 XXXX XXXX on XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/22

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 2022-07-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
FROM XX/XX/2022 Been trying to fix my credit with no results. Multiple requests of disputes, investigations and re-invistigations have failed to fix the problem as a result now I have an INCOMPLETE tradelines which includes x, unknown information because according to XXXX the furnisher does not know the information disputed. I have tried to communicate with the furnisher in multiple occasions via different channels of communications all with no results. The furnisher has refused to provide the information disputed and the representatives are unqualified or unable to verify any information due to being in a remote location outside if the United Sates or in other occasions employees working remotely with limited resources to escalate or transfer calls to the correct party. Most recently I called and spent over an hour with no results, nobody knows where the information disputed is. In addition, the certified letter I sent with signature required, the representative checked the company 's directory and advised the person who signed the certified letter return receipt is not in the employee rooster. 
Both parties in concert have done anything to provide a fair, accurate, error free tradeline. I have exhausted all efforts and seek assistance enforcing my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I had a bank account with bank XXXX XXXX years ago. I ended up over drafting my account I asked questions about my credit ect I was told if I pay the balance I wouldn't be reported to any agency there would be no penalties but the account would be closed. I paid using all the money I had. When XXXX hit i tried to get a loan, i tried to open an account with a credit union i tried to get assistance i tried to go into business for myself all failed due to account becoming marked as closed for fraud in chexsystem even though it was closed due to over draft and bank XXXX XXXX kept transferring me around for hours my phone log will show i have called bank XXXX XXXX and check systems for years and spent hours and called daily trying to get it corrected or removed I specifically asked in my dispute for proof in writing I did not receive that and chex system wont remove it bank XXXX XXXX said chex system houses it and would need to dispute it and i have I read the fcra and it states that inaccurate information must be removed and it is inaccurate but they will not remove it and it is causing a delay in my financial life as well as costing me to lose XXXX XXXX XXXX they keep saying there is nothing they can do about it. I have requested them to send me a explanation in writing how this is accurate and they declined. This was a over drawn account that is paid off not closed for fraud and chex systems told me they dont actually investigate it they just upload what is sent and stated bank XXXX XXXX did not send the proof i requested in writing but still did not remove it as they broke regulations i have the right to ask for proof of what is being reported and it has been years the last dispute has been about 60 days still no proof in writing from either and chex systems still hasnt deleted it they are reporting lies and it is unethical and im finding alot of issues with how i am being treated. Please help be get this removed as I would hate to waste any more years my family and i are suffering over their lies.

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 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
My mortgage was transferred from Home Point Financial Corporation to XXXX XXXX XXXX with a first payment due XXXX XX/XX/2022. The letter informing me of the change in lender was dated XXXX XX/XX/2022. I did not receive the letter until XXXX XX/XX/2022 because I was away from home. The letter lacked detail and simply stated I should send my payment to a XXXX XXXX XXXX To be honest it looked like a scam. 

When I contacted XXXX XXXX, they stated that the loan had not been transferred until XXXX XX/XX/2022. XXXX days after the payment was due. Due to this delay, XXXX XXXX had not sent a welcome letter to me regarding how to place payment. The web page for XXXX XXXX states that my payment is late despite my inability to post payment. They did tell me that this should have no effect on my credit rating. I have XXXX complaints : XXXX ) A lack of communication from XXXX XXXX, giving me less than 30 days notice that my loan was transferred. 
XXXX ) A lack of timeliness in transferring my account to the new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am requesting that CFPB take Amazon Synchrony off of all of my credit reports ( except for my proof showing payment to Synchrony ) because they are illegally charging me XXXX XXXXXXXX for a payment I already made back in XX/XX/2022 in the amount of {$39.00}, and I had already canceled this account right after. 
I need all credit reports to stop this company from collecting/charging me fees and interest charges for this account which I already canceled almost the same day I purchased my grandson 's books. Amazon/Synchrony continues to add late fees, finance charges, and {$40.00} every month to my account. 
I have submitted my copy of my statement that proves that I have made the one payment charged to this account ending in # XXXX, but Amazon / Synchrony refuses to accept it so that they can continue to charge me $ XXXX. They also refused to cancel my account stating, " we do not consider it closed. '' I'm tired of them and they are ruining my credit. PLEASE SEE THE COPY OF STATEMENT BELOW : ( If you notice it is in the same order on Amazon showing order details, order # and what account paid for it ending in # XXXX. Had it not been paid in full Amazon/Synchrony would not have sent my grandsons books. They will not send you your products without full payment. THE ACCOUNT WAS ORIGINALLY {$39.00} and WAS ALREADY PAID IN FULL. I THEN CANCELED IT AFTERWARDS. They will not stop charging me. Please Help! 
Order Details Ordered on XX/XX/2022 Order # XXXX View or Print invoice Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States Payment Method Amazon.com Store Card **** XXXX Order Summary Item ( s ) Subtotal : {$36.00} Shipping & Handling : {$8.00} Free Shipping : - {$8.00} Total before tax : {$36.00} Estimated tax to be collected : {$2.00} Grand Total : {$39.00} Transactions XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX PM ( 7 days ago ) to Synchrony, Amazon

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 2022-07-07 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: Army and Air Force Exchange Service
State: NJ

Complaint narrative:
In accordance with a Fair credit reporting act [ MILITARYSTAR XXXX. # XXXX ] has violated my rights. 

THIS HAPPENED IN THE MONTHS OF 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. Under 15 USC 1681 section 602 states, that I have the right to privacy. 

15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat the payment on a credit card account or mortgage 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 explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I did not purchase anything from Montgomery Wards, I know who did, but they did it in my name I don't know if it was tools or tires, I am not paying for something that I don't and have not used! I have contacted the main office and they told me to get a signed document from that person and he will not do it! I don't know what to do with this account! If it was the tools I don't use them and they are no where in my home and for the tires I have a different vecheil, and have had for over a year! So maybe I could get some direction on how to handle this! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
In XXXXXXXX XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to EQUIFAX, XXXX, XXXX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation