vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Hello, New rez llc is my lender. Sold house XX/XX/XXXX. Lender has still refused to provide me my escrow amount. 
NR stated they mailed a check. Never received until very late. I had already called to tell them I never received it. 
Check was canceled and direct deposit was offered as an option to recover escrow amount {$4200.00} They told me it would be direct deposit XXXX Business days. 
Called several times trying to find a resolution and get the runaround each time. Always tell me they have escalated it up and filed a customer complaint. But still no resolution. How many times do I need to call? 

Thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: GA

Complaint narrative:
Transunion verified XXXX XXXX  as ACCURATE. 

The 'terms ' is reporting as " {$0.00} per month, paid monthly for XXXX months '. ( INACCURATE ) ( see attached contract ). 

The 'high balance ' is reporting as {$3100.00} ' ( INACCURATE ) ( see attached contract ). 

My rights to a complete and accurate report have been violated.

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 2022-06-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My identity was compromised by a XXXX Scammer in XX/XX/XXXX. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XXXX of XXXX. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with XXXX XXXX is now {$14000.00}. 
The balance with XXXX is now {$17000.00}. The balance with Wells Fargo is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/XXXX - XX/XX/XXXX. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.

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 2022-06-27 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: Eastern Account Systems of Connecticut, Inc.
State: AZ

Complaint narrative:
This is not my bill. If it is, no one has contacted me. Reporting on my credit report like I'm missing monthly payments and no such arrangements have been made. They are sending mail to a relatives house who has tried to send back and they keep returning. Did they do an inquiry on my credit report for that address that I used while trying to gain employment in XXXX? Today they reported I missed a payment and my already poor score dropped drastically. This has to be illegal for this collection company to be doing this. 

The XXXX complaint I went ahead and paid what my insurance company should have paid. I asked them to delete this record and they refused to. This is a medical collection that exposed my visit to them ... does this not violate HIPPA Laws?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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:
The last three days ( XX/XX/22 - XX/XX/22 ) Ive been trying to log in to Comenity to pay my credit card bill for {$36.00} dollars by XXXX p.m. on XX/XX/22 or pay a {$41.00} dollar late fee if I dont but they keep telling me the system is down. Doing it over the phone also yields the same result. The company has issued a system wide maintenance problem and many customers cant pay ( as per their XXXX post highlighting this ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a checking account with Citi Bank based on an advertisement to open the account. The account was immediately closed and I have spent over XXXX hours on various days and times trying to get somebody to tell me why. The bank is holding $ XXXX of my funds and said I should have gotten a letter explaining why they closed my account and nobody on their customer service can tell me why. The bank said I may not get my funds back that I deposited for over 60 days. I have gotten the run around the last XXXX times I have called. I should be able to have somebody tell me why my account was flagged and closed upon account opening and the bank should not hold my funds for XXXX plus days.

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 2022-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Complaint XXXX was unable to fully resolve my issues and concerns. I communicated with XXXX on XX/XX/XXXX regarding a consumer credit transaction without a down payment for XXXX XXXX XXXX . I asked representative XXXX XXXX does XXXX participate in the Truth in Lending Act and after verifying, she confirmed yes. Afterwards, she stated that a down payment of {$12000.00} would be required to be financed by Exeter ( violations of 15 USC 1601, 15 USC 1662 and 15 USC 1691 ( a ) ( 3 ) ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. Exeter only benefitted from the credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry and their response is enough proof that they have violated these Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 currently have 2 credit cards with Comenity Capital Bank ( Ulta and XXXX ) and 1 card with Comenity LLC ( Lane Bryant ). Beginning on XX/XX/22, all of Comenity 's websites have been down for " Scheduled maintenance '' with no ETA of when accounts will be available. A message on the websites instructs account holders to make one time bill payments, however their one time bill pay is also down. Calls to their customer service line were met with a message that the system the agents use is also down and they have limited information. The most I could get was when my next due date is. According to their XXXX and XXXX, the accounts should have been accessible today, but no luck. I tried calling customer service again this morning, but a recorded message stated that " due to unforseen circumstances their offices are closed. '' Repeated attempts to get answers from the company via social media from numerous users has been met with vague messages that are clearly recycled copy text and not an actual person responding. At this point I'm concerned that there has been a security incident and my information and or credit history is at risk. Also, Comenity has made no statement about late payments in regards to this outage. I would like help in getting this resolved and getting some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 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 2022-06-27 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: ID

Complaint narrative:
Comenity Bank had left customers with no way to pay their bills for days. Website is down, and so are the phones. Ive tried calling, trying to login to pay etc, going into the store where we got the card from. 
XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TN

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

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 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 a credit card 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 2022-06-27 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: TN

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

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 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 a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 a fraudulent transaction of {$1100.00} was done with my Bank of America Travel Rewards Visa Credit Card. It was done with a merchant named XXXX. On XX/XX/2022, while the charge was still processing I disputed this charge with Bank of America stating how the transaction is fraudulent and I have not made this purchase. They succeeded in going through the procedure of taking it off my statement while it was being reviewed. However, at the end they believed I made a statement saying that the charges were valid, which did not happen. Based on transaction statements, purchasing power from this card, and history of the credit card, it is quite easy to determine how this was a fraudulent purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 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 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a called and said they was from XXXX XXXX XXXX and they asked me to make payments arrangements, because my account was behind on payments. Also, said that i need to send the money trough XXXX in order to be process the same day. Also, said that if i denied to do it they will cut the service in less then an hour. I started to send the {$350.00} that they asked and they said that i did it wrong and have to resend it again. I suspect that it was a fraud so i contact the XXXX XXXX XXXX company and they said is fraud and that i have to contact my bank and the police. I did it and the bank lady told me that they take out of my account almos {$1200.00} dlls, and also said that the money went to a XXXX XXXX account. She told me to wait, because they know where the money was deposited. I was waiting the time they asking and around two weeks later received a letter telling me that it is nothing to investigate because i authorized the transaccion.

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 2022-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 U.S. DEPARTMENT OF EDUCATION/NELNET received an EFT/ACH payment . Confirmation Number was received and confirmed on date, XX/XX/2022, of respective payment was made to the U.S. DEPARTMENT OF EDUCATION/NELNET in the amount of {$16000.00}. Furthermore, U.S. DEPARTMENT OF EDUCATION/NELNET used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt. Notice it is fact that I, the affiant am aware that the false character of the amount in debt is a violation of U.S Code 1692e ( 2 ) ( a ). Affiant has proof of this violation as the U.S. DEPARTMENT OF EDUCATION/NELNET alleges I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? Pursuant 18 U.S. Code 8 Obligation or other security of the United States.

Notice in fact that affiant is aware that all obligations of debt is the responsibility of the United States. 

Please adjust this account to a XXXX balance with an alleged debt, If you can not provide all documentary evidence requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I have filed a credit card dispute with Citi bank on XX/XX/XXXX. They told me they are doing investigation.. and the investigation should be complete within 2-60 days. It has been over 60 days and when i call they now tell me its still open and under investigation. This time they are not giving me a time frame. 

In addition to that they closed both of my credit card account 80 days into 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 2022-06-27 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: MN

Complaint narrative:
Hello. I am having an issue with Comenity bank. I have my XXXX XXXX through them and have been trying to pay the bill since Friday XX/XX/17. Their website will not allow me to login and their phone system is not working. The automated system is not working and when you request to talk with a person, it says that due to unforeseen circumstances, they are unable to take your call. My bill is due XXXX and I am concerned that this issue will not be resolved by then and I will not only receive a late fee, but that it will effect my credit score. Like I said, I have tried logging in, calling, sending them a XXXX message, and replying to them on XXXX and I have yet to get a response at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
There was some type of issue where automatic payments on a XXXX XXXX XXXX did not go through which resulted in Shermata Law XXXX XXXX company taking over the account & getting a court order for garnishment. After I presented my situation to the court the garnishment was set aside & I made payments in full to Shermata & now Shermata is having my wages garnished again for money I do not owe. According to the courts they will be taking 25  % of my wages which is a lot of money & the courts direct me to talk to Shermata but when I call the # listed XXXX it directs me to call XXXX when I call that I get put on hold for a long time then a recording comes on that states no one is available to take my calls so I can not speak to anyone to get resolution. I faxed in copies of my payments which reflect that I actually overpaid on the account but nothing has been done to stop the garnishment & the courts are stating they can't without Shermata contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: NY

Complaint narrative:
Comenity Bank has TOTALLY SHUT DOWN, you can not access your account at all on line to check balances or pay your bill. 

No customer service get a message due to " unforseen circumstances they are closed ''. They have have messages out there for the last two weeks that they are conducting a system upgrade!!! PLEASE HELP!!! this is so unacceptable, they give you NO alternate way of paying your bills, people are scared!!!

Company response to consumer: Closed with explanation