vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

Complaint narrative:
This is for commenity bank. I have a 0 % interest loan that needed to be paid by XX/XX/2022 to not incur back interest. Im unable to pay and can not reach the company. The back interest will probably come to XXXX dollars and should not have to be paid since I went to payoff the correct amount at the correct time and was not able to.

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 when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid my Comenity Mastercard BJ 's bill on XX/XX/26 over the phone for the amount due and the payment has still not posted to my account. I keep calling the number on the card and just get a recording that says their system is down. I do not want this negativity impacting my credit score because I have worked so hard to get to an excellent credit score. I also noticed that this same credit card charged me a {$30.00} late fee for my last payment when it was received on the day due. I also tried accessing the website and get a banner across the top stating their system is down due to a system upgrade.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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 XXXX has me at a score around XXXX. 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 60 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 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 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 60days 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 21 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have multiple accounts with Chase. Recently I closed an account because of an issue with a vendor that continued to charge an account once service had been cancelled. However, Chase is not giving me access to the transactions or statements. They state that they no longer have to provide that information to customers once an account is closed. However, it was closed on XX/XX/2022 and this information is required for tax, financial, and other regulatory filings. A bank can not refuse to release customer financial statements or details to a customer upon request.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE RECENTLY BEEN DENIED CREDIT ON SEVERAL OCCASIONS BECAUSE XXXX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE TRIED TO DISPUTE THIS INACCURATE INFORMATION WITH XXXX. XXXX HAS REFUSED TO CORRECT THIS INACCURACY. I HAVE SENT A DIRECT LETTER OF DISPUTE BY CERTIFIED MAIL WITH SIGNATURE DELIVERY ACCEPTANCE TO THE FURNISHER OF THIS DATA SINCE XX/XX/XXXX WHICH I HAVE ATTACHED TO THIS COMPLAINT AND THE FURNISHER OF THIS DATA HAS REFUSED TO RESPOND TO MY DISPUTE. XXXX IS VIOLATING MY RIGHTS BECAUSE THEY SEE ME AS THE SMALL GUY TO BULLY. 

XXXX XXXX XXXXF XXXX XXXX XXXX : XXXX BALANCE : {$7700.00} - - - XXXX XXXX XXXX XXXX XXXX CT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type CHILD SUPPORT Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status >Account 120 Days Past Due Date< Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX THIS INNACURATE INFORMATION NEEDS TO BE DELETED.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
I got a loan for an XXXX of {$1300.00} and made one payment via my bank and then paid it off. I got various small purchases from Affirm and some of the bank direct payments failed, they notified me in a few days, and I switched the auto payment to my visa debit for the same bank and account. All went through. In the process they sent me an email saying they had tech problem and apologized. Now they have shown me as paying the monthly loans late, ruining my credit, and cutting my credit limit. I want them to rectify this and apologize. Im certain this has gone on with many others, particularly the elderly.

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 — Credit inquiries on your report that you don't recognize
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I was researching my credit profile and i notice there was an error on my credit report. I do not recognize the below hard inquiry and have no association, credit, loans or accounts with the below creditor. 

Bethpage Fed Cr Union XX/XX/2021

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 — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX Account # 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 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 — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I mailed out on XX/XX/XXXX and received no response from department XXXXf education/ Nelnet in which I followed up on XX/XX/XXXX via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX and XX/XX/XXXX in which there still has been no response and it is XX/XX/XXXX. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.

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: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX credit card is issued through Comenity Bank. 

They have a horrible security practice of making the account number the credit card number. This is terrible IT security. This " account '' number isn't on any statement that they send you, they assume that you will know it is the credit card number. 

Currently it seems all of their ( Comenity Bank ) systems are down. They had a planned website update, but users are now unable to log into accounts. They also offer a " fast pay '' service where you put in your credit card number ( aka account number ), zip code, and last four of social security number then it will let you make a payment. That is down as well. This is a great way to have built in identity theft .... 

I was able to log into my account yesterday, but it said that I was unable to add a bank account to make a payment due to their system upgrade. Then today, I am unable to log in. My account is currently past due, and I am trying to pay before it gets sent to a credit bureau that I am late. 

I called their customer support number, and it says that they are currently upgrading systems and to call back later. Then it hangs up. This is unacceptable. 

I have messaged XXXX through XXXX, and Comenity Bank 's XXXX page is covered with users complaining about this. Comenity Bank 's response is a boiler plate reply that they hit an issue with the upgrade and are trying to restore service.

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 — Information belongs to someone else
Company: EQUIFAX, 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 60 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 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 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 60days 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank has been undergoing a scheduled maintenance for a few days and customers can not access their accounts to make payments. There is not an option to speak with a representative to pay over the phone. I do not want to incur a late fee because of this.

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 when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am in the middle of applying for a mortgage. It was reported on my credit report a debt that hadn't been aware of from Citi Bank. I contacted the bank and they said the debt was past the statute of limitations and I can only make a voluntary payment. I begged them to make a payment over the phone but they said I can only pay with a cashiers check to a facility in XXXX KY. It was very hard for me, but I put together the money for a full payment. I overnighted a cashiers check together with a letter of my ss # and a request for it to be expedited. I had the package tracked and on my end I see that it was received XXXX AM on XX/XX/22. I called numerous times and after many hold times and even getting hung up on by a representative, they gave vague responses " that it is probably in middle of processing '' or that " it takes time for it to post and update.. '' I contacted XXXX bank who issued the check and although the money had been debited from my account at the time of purchase, XXXX bank told me that as of today XX/XX/22 the money has still not been deposited by Citi bank . I spoke to many reps and they all claimed that they have no way to contact the facility that processes the payments. 
Then the reps told me that even after the payment posts I will have to wait another 15 days for the check to clear before they give me a paid in full XXXX balance letter as per company policy, I told them that if they require a bank check there is no processing time, but was just told that is the bank 's policy.. 
I'm under contract to buy a house my deadline is approaching and I need this matter resolved ASAP that I can show the loan officer that I paid in full. The reps contradicted each other one told me that I should send in another payment others told me that it takes time to process. 
They reported the debt I expect them to be fair, I tried to make a phone payment, I tried to send in a payment..

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 — Information belongs to someone else
Company: EQUIFAX, 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 60 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 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 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 60days 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a Caesars Credit card through Comenity. I have been trying to get access to my account for a week now and can not. The company is " undergoing maintenace '' and does not allow access to the online portal. I also was calling daily for information and nothing could be given over the phone as well and cant even make payments. Now when I call the service has been turned off " due to unforseen circumstances. I do see hundreds and hundreds of people dealing with this also. Its a nightmare working with this company. I have been in retail for over 20 years and never dealt with such horrible customer service and to not get an email or phone call before this is just wrong. I feel the company is being decietful. 
Regards XXXX XXXX

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: 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: NC

Complaint narrative:
Account # XXXX with XXXX XXXX is appearing on my personal credit report as a result of fraud. This account was a result of identity theft. The attached FTC Affidavit is in support of Equifax Dispute Confirmation # XXXX and Equifax Dispute Confirmation # XXXX Item continues to re-appear after Equifax Deletes item.

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 — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/22 I called fraud services at US Bank to report unauthorized use of my visa debit card. A claim was established, replacement card was received, and provisional credit was received by XX/XX/22. On Monday XX/XX/22 I used my card for a coffee purchase and it worked. Went to the ATM at XXXX pm pst same day to pull out cash and the ATM message indicated the account was invalid. Went into the branch located in XXXX CA and was told they have no info to call the customer service number. Called the toll free customer service was hung up 2x during a transfer and was told my account was being closed and I would receive my account balance within 3-5 days via cashier check. Have not received anything to date. Called the Fraud Department who would not give me any information regarding the hold of my funds and was advised I would receive a notice in the mail. I called again and was told that my account has a back end department hold until the fraud claim has been resolved and they refused to tell me why other then in their own words " they can do what they want and do not have to advise me of anything ''. I was then told they may hold my funds for up to 90 days. I received a notice in the mail today XX/XX/22 dated XX/XX/22 stating they have elected to close my account, no explanation again as I was advised by a person it would indicate. The notice notes my funds would be released after al outstanding obligations are met and at that point I was receive my funds within 15 business days. 

I have no outstanding obligations. The bank is holding all my funds which exceed the provisional credit they applied to the account. In the mean time I have wen to another bank and am now dealing with late fees, late payments ect because i can not access {$5400.00} that is rightfully mine. Please also note that when I spoke to the fraud department and brought up my concerns with outstanding payments which include my mortgage I was assured it would be paid... it was not.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation