vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 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: OH

Complaint narrative:
Comenity systems are still not working for consumers. I still can not log in and I still cant get through on the phones with the numbers placed on the back of the cards. 
I also asked comenity previously to not call my phone and that they may only communicate through email or mail. I received another call from them today. Of course no voicemail, I had to XXXX the phone number or it pops up as a spam number. It rang on my phone, then they hung up and didnt leave a voicemail. I am also hearing impaired and with their sites not working I can not send secured messages at this point and this does not meet any XXXX Criteria that would meet my needs. 
I was told back in XXXX that I would not be facing ANY late fees or late reporting because their systems were down. And obviously still are. If I could make the payments like they wanted I would, but how can payments be made if nothing works?! There are so many of us who are still fighting with comenity and we just get slapped in the face. 
They have reported me as late all the way back to XXXX and Im not happy. I still cant access my accounts so I cant even see if there are late fees tacked back on. My email to their specialty team that was provided by their legal team has gone ignored.

Every single one of my accounts has been reported late and its completely uncalled for when they are the issue. Any further action against me will be sent to any necessary entity until this is properly fixed. The actions taken by comenity has adversely affected my life and has halted everything. I have been negatively affected by their decisions and the fact that they have made it impossible for myself and many consumers to make payments. The XXXX  has even noted that comenity has ongoing issues. Please look further into this CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went in to a chase branch on XX/XX/2023 to withdraw funds that was made available that day after waiting 14 business days. I went to withdraw XXXX with my ID and a withdrawal slip when the teller refused to give me any money because I didnt have my physical debit card with me. I explained to her that I been a chase client for over 25 years and I have never had this problem or was told that before and I asked for a manager. The manager then explained that I can use two forms of identification if I dont have the debit card which proves that the previous teller lied to me and discriminated against me. Shortly after I provided the two forms of identification the manager ( XXXX XXXX XXXX vice President branch manager ) now tells me my account is restricted but I didnt get any notice from chase about my account being restricted untill the tellers did something wit my information I gave them. After I asked for further explanation I was just turned away and told to go to the other side of the bank without any direct help or courtesy. I was treated like scum or like I was committing a scam. As I asked for their names because I didnt like the service I was receiving and I want to make a complaint they then ran away from me and took their name tags off then threatened to call the police on me because I asked for their names and ID numbers. I then waited for the police because I wanted an official report for what happened to me but it was only security for the mall that showed up. Security helped me get their names after they refused to give it multiple times.

My complaint is about being discriminated against and lied to by the teller XXXX XXXX on the policy of the bank, I asked for her to show me the policy that stated her claim and she could not show it and then the manager proved that she wasnt helping me to her fullest, I also was discriminated by not being helped in an appropriate manner, I then was threaded to be kicked out and arrested for going to my own bank to withdraw money. I was not hostile, I did not act out of character. 
The branch is XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: IL

Complaint narrative:
A credit card was opened in my name on XX/XX/2022. It was opened in my name under the Children 's Place/Comenity Bank XXXX I did not apply for credit with this company. There were Children 's clothes purchased on this account and were never delivered to my home address. I called the Children 's Place to inquire how this account was opened and why it was opened the first question they asked was my social security number and I hung up the phone. I have notified XXXX and XXXX and notified them of this incident. What else do I need to do? Comenity Bank started calling me at my place of employment. They got my son 's email address on the account however he did not open it. The reason we found out is that they sent him emails requesting to contact them as soon as possible. My son did some investigating concerning this company because there are many reports on the XXXX XXXX XXXX website concerning this Bank. Fraudulent credit cards are being opened and requesting payment of them. The XXXX XXXX XXXX has recognized pattern of complaints and have issued these alerts. 

Pattern of Complaint : XXXX  files indicate that this business has a pattern of complaints from a file review conducted on XX/XX/2022, utilizing complaints and reviews between XX/XX/2022 to XX/XX/2022. 

Their communications allege : 1. Billing inaccuracies-failure to post payments to accounts in total or within an acceptable amount of time, failure to post credits from returns, no resolution to fraud cases causing consumers to be responsible to fraudulent activity and interest/late fees, continued billing for interest and late fees for accounts that are closed, and loss of rewards/cash back amounts due to consumers. 
2. Customer service deficiencies-Extreme wait times to speak to a representative and lack of response or lack of resolution to issues. 
3. Inaccurate reporting to credit bureaus-reporting balances on accounts that have been paid/closed and lack of reporting when balances are paid. 

On XX/XX/2022XXXX XXXX informed the company of these issues in writing, with a follow up sent on XX/XX/2022. The business has not replied. 

Please contact me if you need further information. 
Please see the following attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There has been several inquiries that I did not authorize. 
XXXX XXXX XXXXXX/XX/XXXX US Small Business Admin XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I would like these removed from my credit report as I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
There has been several inquiries that I did not authorize. 
XXXX XXXX XXXX US Small Business Admin XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I would like these removed from my credit report as I did not authorize these inquiries.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i sent my letter out on XX/XX/XXXX to Experian, XXXX, XXXX. Here is my tracking numbers : XXXX - XXXX - XXXX However its been more than 15 days and the credit bureaus failed to respond. 

RE : XXXX XXXX I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( 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. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter to ExperiaXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022 and requested them to remove all old addresses, phone numbers, email addresses and employment information from the credit file and update the credit file with my current address, email and phone number. Experian never replied. 

I sent a second letter ( certified this time ) to Experian on XX/XX/2022 and made the same request. Experian never replied to this letter either. 

As a consumer, I do know I have the right to request an Experian update and remove all old and outdated information on the credit file. In refusing to reply to my request after 30 days, they have violated my consumer rights to fair and accurate reporting on my credit file.

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 2023-01-18 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: TX

Complaint narrative:
I recently, have full reviewed my credit reports and to my suprise there is information and debts being reported that are not mine i have disputed but do not believe that a proper consumer investigation was conducted. According to the Fair Credit Reporting Act 15 US 1681a section 3 ( e ) A consumer investigation requires interviews by neighbors, friends and associate who might have information regarding the assumed debt. I have contacted people who i am familiar with and none of them has been interviewed in regards to any of these assumed debts. I want a proper consumer investigation on all disputed debts.

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 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 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 a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I paid in full my account and they continue charging me late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My new car loan is with TD Auto Finance, Customer Resolution address is XXXX XXXX XXXX, XXXX XXXX MI XXXX. 
I paid off my loan with a check for {$13000.00} on XX/XX/XXXX. I sent the check as instructed from TD Auto 's recorded line. 
The money never went towards my account. I have copies of the posted check, front and back, showing it was posted to TD Bank. I talked with several different people, although there is really no Customer Service Department, there is just Collections. 
I faxed copies of the cancelled check and account information to a number ( XXXX ) XXXX that was reported to be the resolution department on XX/XX/XXXX. 
As of this date, XX/XX/XXXX, the money has not been posted to my account. I am getting letters indicating that my account is overdue and finance charges are accruing. 
I do not have the pink slip for my car which I want to sell.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: FL

Complaint narrative:
I have been notifying the banks as well as the 3 credit bureaus about inaccuracies on my credit report for many months. I have notified you multiple times informing you and many others that the credit bureaus are not doing their job as required by Title 15 USC 1681. My personal information is private not only can they not report something without my written authorization. But they are required by law to verify and validate this information. I have sent them letters repeatedly since XX/XX/2022 and you can see clearly on the top of each page that many of these accounts have not been verified at all and many others have not been verified in months. 

This violates my federally protected rights and this needs to be addressed as soon as possible. Each violation of FCRA or FDCPA is a fine for {$1000.00} these negligent issues need to be addressed immediately! They had 30 days from the 1st letters I wrote to them months ago to validate and remove.

Attached is 1 of the 3 letters that I sent to the 3 credit bureaus.

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 2023-01-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters

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 2023-01-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Chapters

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 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
I went to another phone company, i made planes to pay XXXX in increments to collect the remaining balances to the phones but they wanted the whole amount that I did not have. they sold my account to another company and now that want the full XXXX without wanting to get a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
XX/XX/2022 XXXX amount I already applied for the financial aid and they waive out my fee and then I dont know why I am getting XXXX debt in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: U.S. BANCORP
State: LA

Complaint narrative:
On or around XX/XX/XXXX, a potential lender checking my credit discovered a delinquent credit card debt with US Bank listed on my credit report. On XX/XX/XXXX, I reviewed my XXXX credit report in detail and found the credit card debt in the amount of {$3900.00} opened on XX/XX/XXXX in my name and was closed as a charge off after a couple of payments were made and then stopped. The status was updated in XXXX, XXXX. I'm not sure if this represents the date it was closed as a bad debt, charge off. I do not now nor have I ever had a credit card account with the US Bank. Therefore, I filed a dispute with XXXX. I was directed to a phone number to speak with a representative which was someone at XXXX. She asked if I had spoken with the creditor. I told her not as of yet as I thought the number I was calling was the creditor. I was told to file a report with the FTC and provide them with a copy. She asked if I wanted her to place a lock on my credit file and I told her yes. She said this would stop anyone from opening credit in my name unless they verified that with me first. This was to last only for 1 year. She asked that I upload a copy of the FTC report to their website if one is filed. 

I attempted to contact a bank representative on XX/XX/XXXX by calling XXXX to determine how this account was opened in my name and to get it cleared from my credit report since it is not mine, but after being transferred a couple of times by XXXX XXXX and XXXX XXXX, the third person I spoke with XXXX XXXX told me she could not do anything that day and told me to call back on Monday XX/XX/XXXX which I did but the bank was closed for the XXXX XXXX. I attempted another call this morning, XX/XX/XXXX to XXXX and was told by an unnamed employee that I needed to speak with a XXXX XXXX as she was the agent handling the case and her telephone number is XXXX. Unfortunately, she is out of the office until XX/XX/XXXX so I left a message on her voice mail for a return call. I have not had success thus far in speaking with anyone and since they do have my SSN I don't have any confidence that they will agree with me that I am not the person who incurred the debt with them. I'm simply tired of the run around. Therefore, I proceeded to file my complaint with the FTC and I was rerouted to your website as the agency that handles this type of complaint. Can you assist me with getting this cleared up and removed from my credit report please. 

Note : An initial fraud alert has been placed on my XXXX Credit Report until XX/XX/XXXX. They forwarded the alert to the other 2 credit bureaus, XXXX and 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