vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 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: NM

Complaint narrative:
I opened an immediate credit card at a XXXX ( XXXX  XXXX XXXX Credit Card ) in XX/XX/XXXX ( approx XX/XX/XXXX ) to take advantage of a special offer. The total amount of the purchase was approx {$270.00}. I did not receive a statement, so at some point in XXXX I called them and they informed me that my account was past due. I had still never received a statement nor a physical credit card. I processed an ACH payment over the phone with a customer service agent approx XX/XX/XXXX for the entire balance. There was more than sufficient funds in my checking account to cover the transaction. I finally received a paper statement dated XX/XX/XXXX which showed that the payment on XX/XX/XXXX was " Returned Check '' with a corresponding returned check fee, additional finance charges, and late fees. I contacted my bank and they verified that there had been NO attempt to debit my account by this merchant. Clearly someone processed the information incorrectly at the COMENITY credit card company. I then called COMENITY on XX/XX/XXXX to have the fees removed and pay my full balance. I have paid the balance and have been stuck with finance fees, plus several hours on the phone dealing with THEIR MISTAKES IN THE FIRST PLACE. I feel their practices are predatory, and keep customers in the loop of more and more fees and charges with these accounts. When I asked to be connected to a supervisor, I was told to " call back ''. When I insisted to be connected directly, I was forwarded to a new number that gave me a menu that did not include an option to speak to a supervisor, and put me back in an endless phone loop.So, I had to leave the call. I was trying to work the issue with an actual supervisor at the company, but was left with no recourse other than filing this complaint, and additionally potentially complaining to the XXXX  and our State Attorney General.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 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 XXXXThis 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-12-12 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: NC

Complaint narrative:
The only credit card I have that has accurant information is XXXX. The rest of the cards are inaccurate. I spent about {$300.00} on the XXXX card and realized somebody used my information and max it out. I got a strange text regarding this matter a while back but never really thought about it until they informed us of many accounts getting scammed. I recently was able to get XXXX removed from my XXXX and need it removed from experian and XXXX ASAP. There was a previous address from XXXX XXXX that was on my credit report then my XXXX account got hacked and used my identity. I'm a young mother and this has damaged my life and my credit score ALOT. My experian account mention that my personal information is at risked as well.

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 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In reference to XXXX Contacting XXXX was not correct to submit complaint to ... see their response beloe " Customer Support XXXX XXXXXXXX XXXX  ( 38 minutes ago ) to me Good Morning XXXX, To protect investors and ensure the markets integrity, XXXXthe XXXX XXXXXXXX XXXX XXXXis a government-authorized not-for-profit organization that oversees U.S. broker-dealers. We work every day to ensure that everyone can participate in the market with confidence. XXXX is authorized by Congress to protect Americas investors by making sure the broker-dealer industry operates fairly and honestly. We oversee more than XXXX brokers across the countryand analyze billions of daily market events. 

XXXX regulates broker dealer firms and representatives within the U.S. securities industry. A broker dealer is in the business of buying and selling securities stocks, bonds, mutual funds, and certain other investment products on behalf of its customer ( as broker ), for its own bank ( dealer ), or both. If your issue is not conducting this type of activity, then XXXX would not be the appropriate regulator. 

Thanks, XXXX Customer Support ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: NC

Complaint narrative:
The only credit card I have that has accurant information is XXXX. The rest of the cards are inaccurate. I spent about {$300.00} on the XXXX card and realized somebody used my information and max it out. I got a strange text regarding this matter a while back but never really thought about it until they informed us of many accounts getting scammed. I recently was able to get XXXX removed from my XXXX and need it removed from XXXX and transunion ASAP. There was a previous address from XXXX XXXX that was on my credit report then my XXXX account got hacked and used my identity. I'm a young mother and this has damaged my life and my credit score ALOT. My XXXX  account mention that my personal information is at risked as well.

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 2022-12-12 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: NC

Complaint narrative:
The only credit card I have that has accurant information is XXXX. The rest of the cards are inaccurate. I spent about {$300.00} on the XXXX card and realized somebody used my information and max it out. I got a strange text regarding this matter a while back but never really thought about it until they informed us of many accounts getting scammed. I recently was able to get XXXX removed from my equifax and need it removed from XXXX and XXXX ASAP. There was a previous address from XXXX XXXX that was on my credit report then my XXXX account got hacked and used my identity. I'm a young mother and this has damaged my life and my credit score ALOT. My XXXX  account mention that my personal information is at risked as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: MD

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 severe XXXX and stopping me from getting this job offer n now im homeless 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 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-12 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: KY

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: KY

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been a customer with capital one for almost 3 years. I have always been on time never late. Always paid off my balance every month. So a year ago I reached my limit of XXXX. After having that credit limit for almost a year before reaching it. I even paid over the minimum required payment every month. So when I applied for a credit increase I was denied by capital one stating that my previous balance on a line of credit was to high?? The line of credit was capital one. So now that Im at XXXX they charge me the interest of XXXX or whatever they decide, then they have the nerve to charge Me enormous late fees. Which ever they decide and report this to the credit bureau. They are extremely bias on who they give credit increases too. And they really initiate high late fees and dont offer a solution to its customers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
MUCH TO MY DISMAY, I RECEIVED AN ESCROW ANALYSIS STATEMENT DATED XX/XX/2022 XXXX XXXX # XXXX THAT DISPLAYS XXXX FALSE FEES OR XXXX PAST YEARS HOMEOWNERS INSURANCE AND {$130.00} UNJUSTIFIED ESCROW CHARGES. STILL, MY OVERAGE AMOUNT SHOULD BE WAY MORE THAN {$3300.00}. 
IN ADDITION, I WAS CHARGED XXXX FEES FORCE PLACED INSURANCE PREMIUMS OF {$140000.00} AND {$1700.00}. 
XXXX XXXX XXXX IN THE LAST XXXX YEARS HAVE ALWAYS EMAILED TIMELY PROOF OF CONDO MASTER INSURANCE POLICY. THESE ACTIONS BY RUSHMORE LOAN MGMT LLC VIOLATES FEDERAL BANKING LAWS BASED ON PREDATORY AND/OR UNFAIR PRACTICES THAT HAS PUT ME IN HARMS WAY. I AM REQUESTING ALL FALSE FEES TO BE DELETED OFF MY ACCOUNT AFTER OMBUDSMAN/ESCROW AUDIT AND A FULL REFUND OF MY OVERAGES SENT TO MY MAILING ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw an article about experiencing credit report system database was hacked, and to check to see if your information was compromised. When I filled out the form my information was a part of the investigation and I didnt receive receive any notification of my name, being a part of the investigation.

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 2022-12-12 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: TX

Complaint narrative:
since XX/XX/2022 I have been disputing a medical account XXXX XXXX XXXX with Experian. I have also sent XXXX XXXX XXXX XXXX a debt validation request to there headquarters address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on the same day XX/XX/2022 tracking number XXXX and XXXX XXXX XXXX received my request XX/XX/XXXX XXXX it is now XX/XX/2022 and I have yet to receive any validation in regards to my validation request from medical data systems. since my initial dispute experian has been updating and verifying this account with the company even tho I have not received any information from the company. I put experian on notice that I had never signed a XXXX release form with the alleged creditor and that hipaa laws help protect my private medical information from being used without my consent. such notice is a warning to experian that not only is the company in XXXX and FDCPA violation but experian is also in FCRA violation by continuing to report the alleged item without any validation proof. I have sent experian XXXX letters in regards to this account and they refuse to delete the inaccurate item from my file. I do not believe experian is practicing proper FCRA compliance procedures and that they are willfully continuing to report a item on my consumer file with knowledge that this item should not be reporting at all for violating my right to privacy. there are blatant inaccuracies with all consumer reporting agencies. attached are all my letters sent to experian and all my results that were provided to me as well as proof medical data systems is not abiding by the FDCPA. in addition, I have also attached proof of why I believe experian is not following reasonable and thorough proper investigative procedures. XXXX XXXX XXXX has previously submitted on of my disputes XX/XX/2022, and had completed and updated there investigation XX/XX/2022, please help me understand how experian can complete a entire investigation in 2 days with the debt collector but I cant get a response from the company for the life of me even when I have proof the company received my validation request.

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 2022-12-12 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: GA

Complaint narrative:
Upon viewing my credit report I saw information on my consumer report that I have no knowledge of.

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