vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On Thursday, XX/XX/2023, at XXXX XXXX XXXX, I contacted ( via the web-based message center ) Bread Savings ( Comenity Bank ) requesting copies of my joint savings account statements. I elected to receive electronic statements when I opened the account last year. The statements are supposed to be housed in the Documents section of the online Dashboard for my account. However, no statements appear in the Documents folder, nor are the joint account statements anywhere to be found on the website. 

At XXXX, a Bread representative responded, via the message center, that I can retrieve the statements from the Documents section of the online Dashboard. I pointed out that they were not there, and at XXXX, the Bread representative responded that the statements would be uploaded to the message center for my secure retrieval. I will receive them, the representative said, in XXXX business days. To date, I have yet to receive any statements for my joint account. 

On Sunday, XX/XX/2023, I received ( for the second time ) a message from the Bread representative saying that my joint account statements could be found in the Documents section of the online Dashboard. As before, the statements were not there. 

On XX/XX/2023, I again inquired through the message center as to where the statements are, and why they were not in the Documents section of the online Dashboard. 

On XX/XX/2023, I received a message response from the Bread representative, that they are available to the primary account holder. Interestingly, I am the primary account holder, and the statements remained missing from the Documents section of the online Dashboard. This same day, I phoned Bread, and spoke with a representative who told me he would submit a request for my statements ( which I should have in XXXX days ), and would submit a tech ticket to have my Documents section populated with the statements. 

It is now XX/XX/2023. I still do not have my joint account statements, either through the message center or available in the Documents section of the online Dashboard. 
I am filing this formal complaint against Bread XXXX XXXX  for its failure to timely provide me monthly account statements for my joint savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I keep on disputing XXXX reporting & it turns from several past due during 2017 to no data available only to have the past due entries placed back. I spoke to a supervisor & he told me they had to report whatever XXXX told them. I told him that wasn't correct & if it were there wouldn't be a reason to ever make a dispute. My current credit report shows most of 2017 as being paid late. There was never a late 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 non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was sent a check for a job i did a bid on. Bank of america posted the amount on the account. Couple days later after buying material and stuff with that money the check bounced and Bank of America did nothing about it. They told me i had too pay that money back. It doesnt make sense for me too pay that money back when they put the money in my account too use and then force me too pay which I already paid them that money back. Why not hold the check till funds clear and then put it 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 2023-08-16 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.

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 2023-08-16 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have submitted the documents to the credit collection agency. These are now showing up again through a different agency as of recent. These accounts were reported as fraud during the years of XXXX. I have also submitted a police report to the companies. Along with attached documents Ive submitted on this website. I have tried reaching out to XXXX and XXXX in regard to this matter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1300.00}. 

I have reached out to all the agencies and tried to explain I have submitted disputes for years now along with police reports. They need to be removed immediately. They are hindering my credit and keep harassing me knowing that my identity was stolen in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC
State: FL

Complaint narrative:
I was looking to purchase a home, and a friend referred me to the Real Estate Agent. He told me he could help me buy the house. I explained to him that I was self-employed and had money in my bank to make the home purchase transactions. He told me I had to pay 20 %, and I agreed. I submitted all the required documents to make the home purchase. He introduced me to his wife as the XXXX XXXX. He never looked for a home for me. I was the one who went to XXXX XXXX XXXX almost every day to find a home. One day, I found a house that I decided to purchase. I called him to let him know. Finally, he agreed to meet me in XXXX XXXX XXXX. The builder told me I would receive a {$50000.00} incentive if I decided to purchase the home, and I agreed. 

The home was {$430000.00}. With the Incentive, the house came to {$380.00}, XXXX. The home inspection and appraisal have been done. I provided all the documents the realtor and the loan originator needed to submit to the lender and builder. The home was supposed to be closed on XX/XX/XXXX. The builder told me and my realtor that I we did not close on that specific date, I would lose the Incentive. My realtor knew I was unable to afford the previous home price. I asked the realtor what the builder told him regarding the closing. He said to me that we would close on time. One week before the closing date, he told me he could not contact the builder. I told him he needed to speak with the builder because time was running out. He told me I did not need to worry about the closing date. Everything was going to be okay. When XX/XX/XXXX, arrived, the builder closed the home without my knowledge. When I asked the realtor what was happening, he told me we would close on the XXXX, which was a lie. Finally, he contacted the builder and was told that I was no longer qualified for the Incentive because we did not close on time. 

I was devastated, and I did not know what to do. I proceed with the transaction since I already gave the builder my earnest money. The realtor connected me with the title company. The title company told me the date the house would be closed. I always told the realtor and the loan originator that my monthly mortgage payment should be at most {$3000.00}. They told me that I did not need to worry because all the numbers I saw on the documents were estimates. I did not doubt them because I trusted them. I learned I would pay {$3800.00} when I went to the title company to sign my mortgage closing paperwork on XX/XX/XXXX. The realtor and loan originator lied about everything. They even made me pay both the buying and selling closing costs. 
The total home costs were {$450000.00}. Those individuals really messed me up. They took advantage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: KY

Complaint narrative:
Beginning XX/XX/2022, I have made several contacts to Experian regarding incorrect reporting of personal information listed on my credit report. 

I have stated that the only name and address that should be showing on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX The following information needs to be permanently removed from my credit file. No other bureau is reporting these inaccuracies. I demand for these items to be removed immediately : Previous name/alias : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY 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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Followup from XXXX and identical complaints prior to that. 

American Express Company continues to send unsolicited offers of credit. This matter is unaddressed and unresolved for XXXX months or more after multiple requests through company channels and after that, through this channel. 

Please cease sending unsolicited offers for credit cards or any other matters. Do not reply asking recipient to contact one of your marketing partners. Do not reply asking recipient to check a box on your website or application or the same on a partner 's website or application. Do not reply stating the resolution may take XXXX to XXXX to XXXX weeks - this is now far beyond that time estimate with no observable action on your part, no resolution to date, and no reason to believe that this will be addressed without further escalation. 

Please cease sending unsolicited offers for credit and stop sending junk mail. Please remove the recipient from any and all communications from your company and any and all of your partners. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Billing Disputes XXXX XXXX XXXX XXXX, DE XXXX Re : My AAdvantage Aviator Red World Elite XXXX credit card account ending in XXXX Case ID : XXXX Dear Sir or XXXX : Several weeks ago, I disputed three charges on my account from XXXX for {$120.00}, for {$55.00}, and for {$55.00}. 

Your dispute department first attempted to convince me that I should not bother disputing these charges with you, but instead should work on my own to address these unauthorized transactions with XXXX because the dispute process takes months. I insisted on disputing the charges with your team, after which the group reluctantly took a record of these disputes. 

Now I have received a letter stating that you require additional information, and when I called the number listed in your letter to provide it, the representative informed me that my claim is closed because I was not able to pick up two telephone calls from unknown numbers on XX/XX/23 and XX/XX/23. She stated that the only way my claim will be reopened is if I send a signed and dated letter stating that I did not receive any merchandise in connection with these transactions. She would not accept my personal statement to that effect. 

Let it be known : I did not receive any merchandise in connection with the above-referenced transactions, as I stated ( in a recorded call ) the very first time I filed these disputes. 

You can confirm the validity of this representation by the documentation Target provided to you in connection with the dispute, which clearly shows that this merchandise was ordered ( using my credit card ) by XXXX XXXX, of XXXX, who resides at XXXX XXXX XXXX, XXXX, NC XXXX. Again, you can find this information in your own records for the dispute I filed, as you have now mailed me copies of these same records clearly substantiating that I did not order nor receive these goods. 

Based on my experience with this claim, I must conclude that Barclays desires to dissuade cardholders from proceeding with even valid charge disputes, as this is by far the most difficult time I have ever had disputing a charge. Moreover, for you to hold records in your possession demonstrating that the charge is fraudulent and still refusing to refund the money unless I jump through various hoops mandates a careful review of your processes to avoid consumer abuse. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Delaware Attorney General, Consumer Division

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX Self financial was reported on my credit profile this was fraud and I ask that it be deleted, on XXXX XXXX XXXX  XXXX was fraudulently reported to my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted immediately, on XXXX XXXX XXXX XXXX bank reported a loan on my credit report this was ident theft I ask that it be deleted immediately, XXXX XXXX XXXX fraudulently reported a secured loan I asked that it be deleted immediately, On XXXX XXXX self fraudulently reported another loan I asked that theirs be deleted immediately, on XXXX XXXX upstart reported a unsecured line of credit this is fraudulent I asked that all these items be deleted from, y credit profile I am not able to get funding and its a defamation of character and I well take legal action .15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the Accounts

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 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my credit report the wrong address is listed. On my credit report the following addresses are listed and these addresses are incorrect and I want these addresses removed from my credit report. I want the following addresses removed from my credit report immediately. These addresses are : XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Florida XXXX XXXX ) XXXX XXXX XXXX, XXXX Florida XXXX My correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX. 

I have attached a copy of a utility as proof of my address. My telephone number listed on my credit report is also incorrect. My telephone number is 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 2023-08-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report the wrong address is listed. On my credit report the following addresses are listed and these addresses are incorrect and I want these addresses removed from my credit report. I want the following addresses removed from my credit report immediately. These addresses are : XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Florida XXXX XXXX ) XXXX XXXX XXXX, XXXX Florida XXXX My correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX. 

I have attached a copy of a utility as proof of my address. My telephone number listed on my credit report is also incorrect. My telephone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I noticed an incorrect account on my XXXX credit report from 'ACIMA DIGITAL FKA SIMPLE '. I have contacted Acima and also filed a dispute with XXXX. After communicating with them, and reviewing the general complaints and reviews of this company on XXXX XXXX XXXX, it is clear that they do not intend to help me without a fight. 

I reached out stating there was an incorrect charge on my account. They immediately stated that I had alleged identity fraud- which I clearly had not. I believe they did this so that they could tell me to obtain a police report and avoid the legally required investigation process laid out in FCRA 623 ( 8 ) ( e ) ( 1 ).

Their public communication regarding invalid claims is so consistent and unhelpful, that I have to believe they are not interested in resolving claims. They only seem interested in closing claims, no matter the impact to the consumer. 

Acima appears to have several anti-consumer practices in place, and receives a staggering amount of complaints related to inaccurate credit reporting on the XXXX  website. At a certain point, one has to wonder if a creditor themselves is capable of opening an account under a consumers name. It brings to memory some of the practices from a high profile bank that the CFPB investigated in 2016.

Company response to consumer: Closed with explanation