vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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:
In XXXXXXXX XXXX XXXXXXXX I made a purchase on the XXXXXXXX XXXX XXXX  website. I was encouraged to open a credit card to save money. I opened the card with Comenity bank and then paid it off. They claimed it wasn't paid and charged a bunch of fees. I used the card once more in XXXXXXXX XXXX XXXXXXXX. I didn't receive the bill until months later with interest and late fees. I have since spent hours on end on the phone with the company. Every time I try to pay it off and the following month get told I owe even more. I received letters stating that it was paid off only to then be called and told I owe another {$110.00} dollars. They call my home 10 times a day and hang up when I answer. I have never had these types of problems with any other creditor. I just want this to end. I don't know what to do. Every time I call the company it only seems to get worse. It has been a nightmare!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Advance Financial got Harpeth Financial to garnish my check. They say I was served but I was not. I paid this loan off in full. Ive left tons of messages but they will not answer the phone or return my messages. They are garnishing almost {$700.00} bi weekly. Im going to to put in for a slow pay I guess even tho I paid it off because they wont respond to me and they wont return my messages. If they will just talk to me, even their mobile app shows that I owe them nothing. This is insanity. I think Im going to go to the news about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: REGIONS FINANCIAL CORPORATION
State: GA

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

XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I closed on the sale of my XXXX on XX/XX/22 with a HELOC payoff amount communicated to me by Citizens Bank on XX/XX/22. Upon further review, the payoff amount quoted by Citizens ( {$620000.00} ) is roughly {$1800.00} more than I should have owed. I believe this to be due to a glitch in Citizens systems whereby some of my prior accrued interest may have been capitalized incorrectly ( even though I attempted to pay the amount due, it was not paid ). I would be willing to even accept this glitch, but even if the interest was capitalized, it should have been relieved from my accrued interest. Therefore, my interest balance on the payoff document was much too high. I have all the supporting documentation to prove this. I have attempted to resolve this issue with Citizens customer service for 4 months ( 1 call per week lasting about 30 minutes each ) and am finally giving up and taking every available legal recourse I can. I am constantly told my Citizens that their " back office is handling this '' and that I will receive a summary of the calculations justifying the payoff amount. This has turned out to be a lie. Based on my other dealings with Citizens while applying for and servicing the debt, I am starting to think that this may be due to corporate malfeasance rather than simple incompetence. Case number XXXX with Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EPA USA INC
State: KY

Complaint narrative:
Company has called me repeatedly and does not make proper documentation on the account ; manager has called and left threatening messages about the next course of action ; also did not have receive any documentation in the mail about this debt ; I spoke to them about resolving this debt since I am going through a financial hardship ; company was paid {$200.00} XX/XX/2022 and {$100.00} on XX/XX/2022. Still received phone calls after setting up an arrangement for the next 3 months ; also representatives who answer the phones are VERY unpleasant and rude/unprofessional ; also has called my family members to harrass them AND talking about my personal information which is against the law

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 2022-11-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I need some help this is my 4th time reaching out, I did an investigation on my credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXXXXXX. 


has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much for your time.

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 2022-11-16 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: MO

Complaint narrative:
I need some help this is my 2nd time reaching out, I did an investigation on my credit report which caused me to develop XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXXt Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 


has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase allowed to transfer my money using digital wallet to https XXXX XXXX XXXX  and it is crypto scam. Coinbase knew that the digital wallet was suspicious and belonged to crypto scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank has not report on my Victoria Secret or My BJs Perks Mastercard. I have contacted XXXX and they stated they will request a manual update as far as BJ 's Mastercard no one I have spoken to have been able to help me and keep referring me to the contact the credit bureaus. I am frustrated to no avail with the lack of help from Comenity and the lack of knowledge from the customer service reps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: CLGF Holdco 1, LLC
State: RI

Complaint narrative:
I recently made a payment on XX/XX/2022 for the past due amount of {$80.00}. I received a notification that the payment was processing and will be applied in two business days. I checked my account on their website and the payment was processed. I checked my email yesterday and was told that my payment was reversed was not told why as to why it was reversed. I dont have extra to pay this if Im trying to get my credit in order so I can purchase a home in the new year. I felt this company is doing something fraudulent or reversing my payments once they are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
Due to the pandemic I only worked less than XXXX hours per week I had a XXXX XXXX XXXX  my son had XXXX  as well as being XXXX XXXX I had additional fees due to XXXX  for example XXXX  fees and XXXX  fees to XXXX  fees for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to the rent paying organization so that my rent can get paid because I was struggling and getting assistance from my family XXXX XXXX or XXXX XXXX sent XXXX XXXX XXXX  months of rent on XX/XX/XXXX for my rent the XXXX XXXX sent the check back knowing the fact that if I did not qualify I would not have received funding I do not owe XXXXXXXX XXXX a XXXX last I have emails that I sent to her and her boss because of their negligence. I have also filed a lawsuit with the state of Texas because due to the pandemic this company falsified their rent prices online which is called price gouging.This company Hunter Warfield is operating off of false pretenses and they need to remove this from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I send a reinvestigation letter to XXXX, Equifax, and XXXX XXXX XXXX  XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from Equifax, XXXX, and XXXX was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from Equifax and XXXX. XXXX did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I am repeatedly receiving phone calls 2 to 4 times a day form Cardservices, beginning at XXXX and going several times throughout the day from a XXXX phone number, which my area code is XXXX but cardservices is in New Mexico XXXX And this has been going on for over a month now. I've asked them repeatedly to STOP calling me. I've spoken to 4 agents including today XXXX today.. and told them all to 00 my number out of their system and to not call me again and I keep getting phone calls still repeatedly daily harassing me causing me XXXX  and triggering my XXXX XXXX with XXXX. My account is not even in collections, its under credit protection and I've told them repeatedly that it is and I'm quite sure they see that my file. So the fact they keep calling is asinine. I WANT THE CALLS TO STOP.. and I want to be compensated for them breaking the law. My phone records every conversation and my phone ledger has tracked their number. They've called me an over 100 times in 4 weeks. This is ridiculous.

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 2022-11-16 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: MO

Complaint narrative:
I am a single mom and I want my credit report to be fair, I recently got out of the XXXX  due to XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: MS

Complaint narrative:
The date opened on the account is XX/XX/2019 and the balance reported is {$980.00} I have tried to get this fraudulent account resolved with XXXX XXXX, because I do not have all the information that was used to open the account there was nothing the company could do. I have also tried to get this fraudulent account resolved with the credit bureaus, and it is still showing up on the Experian credit report each month.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
As of XX/XX/XXXX, there are several pieces of inaccurate and incomplete information reporting on my Experian credit report. Account XXXX # XXXX has an open date of XXXX but has NO payment history from XXXX through XXXX which is considered incomplete information under the Fair Credit Reporting Act. Account XXXX # XXXX has a date of last payment for XXXX but the amount paid and past due amount there is not information available which is INCOMPLETE. XXXX XXXX Third also has a Status as Current but yet has no payment information available for the XXXX, XXXX, XXXX, or XX/XX/XXXX. How can I be current with no payment information available for the most XXXX recent months?? XXXX has an open date for XXXX which shows no payment history from XXXX through XXXX and from XX/XX/XXXX through present which also is INCOMPLETE information. Account XXXX XXXX has late payments for XXXX, XXXX, XXXX, XXXX, and XXXX days late. It is impossible to be XXXX days late if my last payment was in XXXX which is Inaccurate information Account XXXX # XXXX shows last payment made in XXXX and XXXX  days late in XXXX XXXX it is impossible to be XXXX late in the month of XXXX while were currently in the month of XXXX if a payment was made on time In XX/XX/XXXX?? That is inaccurate information. Account XXXX XXXX # XXXX shows XXXX days late for the months XXXX and XX/XX/XXXX which it is impossible to be late XXXX days for XXXX consecutive months if the last payment shows XXXX I have attached documents supporting these inaccuracies.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX case # XXXX and XXXX Attorney General of Texas. Under 15 US code 1681 ( A ) and 15US code 1681 ( I ) ( XXXX ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and misleading when the court dont report this type os account. under 15US code 1681 ( B ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is identity theft

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 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX credit card but currently charging me XXXX XXXX  plus for interest calls me daily after explaining I'll make XXXX of the month payments in the highest amount I can currently afford and to discontinue calling but they continue calling me irrigate and from random numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: ICUL Service Corporation
State: MO

Complaint narrative:
Located a misplaced gift card. Checked to ensure there was a balance on the card on XX/XX/XXXX. Was advised the card/account was closed via the automated system ( XXXX ). I then chose the option to speak to a representative as I don't remember using the gift card. When I spoke with the representative she advised that the account/card was in deed closed. She advised that after the card had been opened for a year, then beginning charged an " inactivity '' fee of {$5.00} per month. Since the card was issued in XXXX, the {$5.00} fee per month began being charged until the account reached a XXXX balance and then was closed. 

This seems to be unethical, as the person who purchased the gift card paid for the {$25.00}. They received a free {$25.00}! Also, on the front of the card it advises the card is good thru XX/XX/XXXX. Seems misleading! Makes the recipient of the gift card think the card is good through XX/XX/XXXX, which technically it is not! If you are going to start charging fees after 12 months - maybe make the good through date for only 1 year, not XXXX! There is also nothing on your website 's FAQ section regarding this either - hiding it are you? 

I work for a XXXX XXXX XXXX  and I actually work in our XXXX XXXX XXXX for that said XXXX XXXX  and am very aware of this process and I realize you are going to give me some " canned '' response saying it's in the Terms and Conditions ( which I didn't get b/c the purchaser of the gift card only gave me the card in a gift box. And, I realize NOW after speaking to the representative, the information is printed on the back of the card in the " fine '' print. Again, I realize you are covered by this - however feel this is a XXXX concern as it is misleading since this is a gift card ( which normally not have fees charged ) and the good thru date is in XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 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: MO

Complaint narrative:
I am a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much

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