vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO Ann Taylor CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.

Company response to consumer: Closed with monetary relief
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: MT

Complaint narrative:
Comenity XXXX site and phone has been down for the last 5 days. I have been trying to make a payment and call and there is no way to contact them. Hundreds of people are trying to make payments and can not. Dont want to be charged a late fee. 

They have a automatic message on the phone and on their site that says their planned maintenance is taking longer than they expected.

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

Complaint narrative:
Comenity Bank 's ( Bread Financial ) NFL Extra Points Credit Card 's web site has been down for over a weeks. Contacting them they say they are doing a scheduled upgrade and have now added that it is taking longer than expected. NO ADVANCE NOTICE WAS GIVEN. I get my statements via online access which I am now unable to do -- my billing DATE WENT BY LAST WEEK. They have offered to only give me my balance over phone. I usually track my balance daily and pay in full just before the statement date. I did send {$7000.00} last week but am unsure of actual balance. I suggest that that they be prohibited from reporting any balances to any credit reporting agency for the period that there is no access and 15 days later to allow opportunity to pay, and that they be prohibited from charging any finance charge for that period plus 30 days. In addition they should recognize the benefit of being more transparent with their customers!

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: TN

Complaint narrative:
I called Equifax yesterday concerning multiple disputes that were mailed in, phone calls to the company, and CFPB complaints concerning unauthorized hard inquiries on my Equifax report. I was told that they never received my complaint with my identity theft affidavit attached. ( How is that when they've responded to it? Complaint # XXXX for reference ) I've also mailed this dispute with the affidavit to Equifax. ( Twice ) I am still getting the same response. This issue has been going on for more than 60 days. The company responded on XX/XX/XXXX stating that they've completed an investigation, including contacting the furnisher of the information. This complaint also has the affidavit attached. I've been asked to send in this affidavit again in order to have these inquiries removed. 
-XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX

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 — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a credit card with Comenity Bank, and they apparently have some " system outage '' for almost a week now. You can't get through to customer service. You can't log in online. You can't make a payment. NOTHING. There is zero information posted anywhere other than it's taking longer than normal. 

I've read socials, and hundreds of other customers have had the same issue. 

If I get charged a late Fee, someone else better be paying it.

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: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Currently have a BJ 's credit card through Comenity Bank. Been trying to log in online since XX/XX/22 and the website has been " unavailable due to a system upgrade. '' My bill is due on XX/XX/22 and I was trying to pay it since XX/XX/22. On XX/XX/22 reached out to Comenity via XXXX due to the fact that the website and now phone lines are all " unavailable. '' Received generic response that " they are working hard to correct the issue etc ... '' Stated I would " not be charged a late fee as long as I pay my bill before the next statement is generated which is XX/XX/22 '' However the company can not give a time frame to when the website will be up and running. When you call customer service it gives a generic auto response then disconnects you.There are thousands of people on social media complaining about this issue with Comenity Bank as they hold several large store credit cards. I was expecting 3 refunds on my credit card around XXXX and I can not log in to see if those were able to be posted. One refund from XXXX XXXX was for {$1300.00}, one refund was from the XXXX XXXX XXXX for {$220.00}, the third refund was also from the XXXX XXXX XXXX for {$70.00}. This " system upgrade '' has caused a major inconvenience to consumers for 6 days now. I can't use my credit card or pay my bill. I have never been late paying my bill. A " bank '' this large should not be experiencing these issues. Rumor has it they were bought by Bread Financial. I did not receive any correspondence whatsoever about my current credit card being bought out or taken over by another financial institution.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been disputing my credit report for over ten years. My complaint are agaisnt the three credit bureaus XXXX, XXXX, TransUnion :!. ) reporting Inaccurate history 2. ) Failure to not report disputed iteams 3. ) Refusal to correct information after proof has been giving XXXX. ) Abusive calling of collection agencies 5. ) being harassed by collection agency. 
XXXX XXXX XXXX ( XXXX & XXXX, XXXX ), states I owe them {$7000.00} for a vehicle I was a cosigner on. The vehicle was sold at acution, I had another vehicle that was repossed and sold at acution, they sent me a 1099-G. XXXX XXXXXXXX ( XXXXXXXX XXXX ) says I owe them {$160.00} for car insurance that I did not have with them. I am tired of playing this game with the three credit bureaus and collection agencies. I can ; t get a home, a car or live life at XXXX because of mis reporting and misconduct towards my credit ENOUGH

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: 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: GA

Complaint narrative:
Equifax has violated my rights by VERIFIYING INACCURATE INFORMATION ( see attached document ). 

US Bankruptcy Court is missing the full docket number ( INCOMPLETE ) ; it is reporting as XXXX ( see attached filing ). 
US Bankruptcy Court is missing the state of the bankruptcy ( INCOMPLETE ). 

XXXX is reporting 'actual payment amount ' as {$0.00} ( INCORRECT ). 
XXXX is reporting with 'terms of duration ' is blank ( INCOMPLETE ).

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: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a XXXX  XXXX credit card issued by Comenity Bank. I am unable to access the account through the online login. I am unable to call the number. I am unable to make a charge on the card even though the outstanding credit is sufficient. I am on vacation and this is causing a bit of a problem. I just made a payment to them through my checking account using online banking around XX/XX/XXXX and XX/XX/XXXX. Other people are posting the same problems on social media. This is unacceptable. They are saying the system is down but it appears to be something quite serious that should be publicly announced to the customers.

Company response to consumer: Closed with monetary relief
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: FL

Complaint narrative:
Comenity bank!!! 
All I should have to say! 
Their website and phone lines have been down over a week to make payments! 

We can't make any payments and they are due! 
We are gon na be charged with a late fee!!

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A family member had access to my bank account & deposited a fradulent check

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 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: VA

Complaint narrative:
My credit card was used fraudulently in XXXX of 2022. I am attaching my statement where the charges are found on XX/XX/XXXX and XXXX. I have tried to resolve and placed a dispute with Bank of America and after about 5 weeks they put the charges back on because they said a chip was used. The card was in my possession the entire time. The last two charges I made before the eleven charges that are not mine was at a restaurant called XXXX XXXX and XXXX in Washington DC on XXXX XXXX.The charges that are not my charges are ( all on same day that I did XXXX XXXX  and XXXX ) XXXX XXXX  XXXX XXXX {$130.00} XXXX # XXXX {$320.00} XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$160.00} XXXX XXXX Va I do shop at XXXX sometimes but never at XXXX I do not like this store. {$310.00} XXXX XXXX {$49.00} XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX XXXX XXXX Va {$44.00} Please help with this issue I am a Washington DC XXXX, XXXX XXXX XXXX, with XXXX on my XXXX and make a very good living. I have no reason to be filing this except I feel like my character and finances are in doubt. I am very unhappy how Bank of America is handling this I have been with them many many years about 20 and Have no reason to try and fraud anyone. XXXX XXXX. I was issued a new card

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 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On Thursday XX/XX/XXXX I was scam by a tutor. How I met this person was through XXXX. He claims to be a tutor and offer up services including help with essays, assignment, tests etc. I contact these individual by the name XXXX. I contact about needing help to pass a test. He first charged me XXXX, but I later told him no and I give him XXXX. I trust him because He even post me his testimony and reviews he got for working with other students. After I pay He did assistance me on the but didnt follow up truthfully of the agreement. on the day of the test there was issue and I couldnt take the time in that hour. I contact him about this issue and that I need to reschedule my exam and he told me that it will be a XXXX reschedule fee to give him. I did a I scheduled that test for a different time that say. Still it was given me issues and I had to canceled the test again.The programmer was having issue with me taking the test online and wanted me to take it at a test center. I contact him about refund my money and he said no. The services were no refundable and that I was scared. Its funny to me that he said this because previous he told me that he will return me if I didnt get a A or B. The money that I transfer was through Zelle  with XXXX. I contact XXXX  to see if they can reversed the transaction and they said no because they have no recovery rights to do so. I contact Zelle and they said that there nothing that they could do even though I file a dispute to XXXX  about the transaction and XXXX  telling me the Zelle decline my dispute. I want my money back. I was scared heavily and Zelle isnt doing nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I kept receiving calls from s company called genesis. When i finally got a chance to answer their call, it was brought to my attention that i have {$2300.00} in unpaid rent at a unit that ive never lived at.

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: GA

Complaint narrative:
I have several unauthorized inquiries on my Equifax from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX I reached out to Equifax and disputed the information and was unsuccessful I also have several unauthorized inquires on XXXX from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I reached out to XXXX and disputed the information and was unsuccessful

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

Complaint narrative:
Community Bank website continues to be down not allowing us to access our account, make payments, or review charges. Additionally, the card is being declined every where except BJ 's stores. They phone number takes you to a recording but no answers from anyone, no representative to discuss the issue with. Yesterday, the recording indicated the service centers were closed.

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

Complaint narrative:
I tried to log onto my account online for over a week now to check my account and ensure that I have a payment scheduled for the due date. For this entire time the site has been down. There is a current note on the site that reads, " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' Please tell me how someone is supposed to verify that a payment has been schedule. Or tell me how someone is supposed to pay when they can not access the site. 

There is an option on the site to " Pay Faster Without Signing In ''. I tied to log in via that link with my information and it did not work. 

This seems like the company is trying to make it harder for people to pay their bill in hopes that they miss a payment so they can charge late fees and interest. This needs to be resolved. There has been nothing but problems every since this new company took over this credit card and it really seems like some shady business practices. 

Fix the issues and do better.

Company response to consumer: Closed with monetary relief
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:
ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO Victoria 's Secret CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
i sent a wire transfer to coinbase to purchase bitcoin on XX/XX/2022 after purchasing the bitcoins on there website my account was restricted i contact there customer services they said the will email me and it's more than 3 weeks and i'm still unable to send out my bitcoin or send my money back to my account. when i emailed then they have no genuine reason to hold my money.

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:
ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO XXXX CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.

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: Problem with fraud alerts or security freezes — 
Company: Hilco Receivables LLC
State: NC

Complaint narrative:
I am a XXXX XXXXXXXX veteran who had dealings with USA Discounters. They went out of business and I found an article that there was a lawsuit which offer their military customers a debt forgiveness of their account. My wife and I started an account with them in XXXX  while I was XXXX in XXXX while on XXXX XXXX. 
For the past few years I have dealing with the law law firm XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX who threaten to put a lien against me and my wife unless I pay over {$20000.00} for what's owed on the USA Discounters account and legal fees. I need to know am I protected from under the lawsuit?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I over drafted my account but made a deposit of to bring the account back to date the very next day. I made a deposits of {$1200.00} plus more from XXXX thru XXXX. In those deposits {$400.00} was taken in overdraft fees, and my account is still overdrawn because of this. I have contacted your bank multiple times asking to just reject transactions when I don't have the funds instead of letting them go through. I have gone through the process of taking overdraft protection off my account in you're still taking these fees. These fees are predatory, your institution knows that there's n funds in the account and is letting them go through to be able to charge these fees. It is absolutely ridiculous that during a recession, and covid times you're taking advantage of your consumers. From 2020 until today, this bank has charged me over {$900.00} in overdraft fees. If this is not rectified I plan on taking legal action.

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