vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX XXXX was absorbed into Bread Financial ( as I understand it ) in late 2022. At that time my Interval World Mastercard online account was no longer accessible. I followed account access reset process multiple times to no avail. I repeatedly called the customer service department and was provided unhelpful or incomplete instructions on how to resolve, ultimately leading to my decision to close the account over the phone. I was told I would receive a final statement which never arrived. I was contacted numerous times that my account was past due, which didnt make sense as I shouldnt have had a balance on the account. I again asked for a final statement to verify the charges and was told it would arrive shortly. Weeks went by and my account was showing delinquent which was then reported to the credit bureaus. My credit score suffered a XXXX point drop due to this issue which was entirely on Comenity/Breads end. I finally received a final statement roughly 2 months after all of these issues began, and the statement was incomplete ( it did not outline charges which reflect the total account balance at time of closure ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax reporting closed accounts exceeding 7 years. Per the Fair Credit Reporting Act accounts exceeding 7 years must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Approximately beginning of 2022 : Due to emergency dental need, had to open a Care Credit account thru Synchrony Bank, XXXX, FL. 

Continually made monthly payments, couldn't do a lot due to employment situation. I watched it over time and my payments were only going to the interest payment ( 25 % ). 

XXXX Called to close account and trying to speak with the lady was impossible. Not very good XXXX. All she wanted to do was speak of options and I had to stop her and slowly tell her I am closing account. 

Called my credit union to increase my visa to pay off the balance showing. That was approved and paid the balance. 

The next morning I checked the account to make sure it was done and all they did was increase the amount available and it was not paid off. 

Then : XX/XX/2022 Got a letter from this bank saying my account was closed. 

XX/XX/2022 XXXX another letter from bank saying looking into account and have patience. Due to the language barrier and wrote a letter asking them to close the account permanently and the full balance was paid. 

XX/XX/2022 XXXX another letter from bank that the money had not been credited to my account and wanted more information and issued me over {$600.00} to my account. I have closed it! 

That day I sent another letter telling them that the full balance was paid and to close the account and sent a cashiers check for {$10.00} to cover any interest for no further dispute. 

I keep getting emails from them which are irritating and just not sure why they are treating me like I still exist with them. 

Please help me find out why they think I still have an account with them. I don't need them affecting my credit. I even sent them the credit card they issued me. I need them to stop sending information.

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 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
My account was placed in a debit only state by USAA due to needing to submit ID for identification. This was on XXXX XXXX. ID was submitted and told it would take XXXX for the status to change. Today is XXXX XXXX and I have called back XXXX  times and being told the same thing. Today upon speaking to someone, they said it could take up to XXXX more days to get access even though identification was accepted and authorized. At this point it is getting ridiculous. I would double think opening an account with USAA as they are not as military friendly as it seems. They do not care about our well-being clearly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying XXXX months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to XXXX XXXX people for XXXX mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.

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 2023-02-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying XXXX months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to XXXX XXXX people for XXXX mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: NY

Complaint narrative:
In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying two months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to ding two people for one mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.

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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 These companies are in clear violation of FCRA Laws and 15 USC 1681 Further, I did not give any written or verbal authorization for my credit report/profile to be accessed. These companies clearly with malicious intent tried to commit identity theft where my identity and privacy are guaranteed by both the FCRA and 15 USC 1681. ( Unauthorized used of SSN and credit information ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance Please be advised that this is not the first request for remedy.

Should ALL my grievances NOT be addressed and deleted, the next step shall be federal litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Summit Horizon Financial Services
State: IN

Complaint narrative:
Got a call XXXX XXXX XXXX initially at XXXX XXXX then later at XXXX XXXX saying my loans were being decreased from $ XXXX to $ XXXX, agent name XXXX XXXX with phone number XXXX. I asked if he worked for the federal govt. and he said he worked with the Dept of Education forgiveness program. He already knew all of my contact and personal info incl SSN. He asked me security questions. He made me sign a an online form via XXXX doc that I later noticed was actually a Limited Power of Attorney form from XXXX XXXX XXXX XXXX. I later saw emails in my acct. from Dept of Ed. indicating my account was locked. I stupidly gave my debit card info but immediately blocked the card and change all my passwords, filed a credit block with XXXX, when I realized this was not the Dept of Ed. He said he could give me a payment plan of XXXX months at {$180.00} and then {$45.00} a month for XXXX months. I was also told if I paid {$1500.00} now it would then go to {$19.00} a month. He told me I had to decide and pay today but agree to wait until the XXXX when I told him I don [ 't have any money now. There is no record through my bank of any transactions in my account. Emails have come from XXXX asking me for paystubs, a copy of my driver 's license, which I did not provide ( although I did confirm my Driver 's license ID verbally during the call ).

Company response to consumer: Untimely response
Consumer complaint received 2023-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
I'm only trying to see if I am part of the complaint because I had a car loan from XXXX with Wells Fargo XXXX They possibly overcharged me with fees/interest I'm not sure ( XXXX  XXXX XXXX XXXX ). So I'm looking to see if I qualify or was unknowingly part of the issue of them overcharging clients.

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 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Around XXXX to XXXX of 2022 a fraudulent bank account was opened with Bank Of America and when I discovered the situation and reported it to the FTC and put a freeze on my credit and also the XXXX XXXX Bank of America XXXX XXXX XXXX XXXXXXXX XXXX denied my claim of fraud even when I told them I never opened it and never did the deposits into the account. I requested the account be closed and put a flag of fraud in their system so that it wouldnt happen again and they sent me a letter stating my claim of fraud was denied. How can they deny my claim when I distinctly told them that wasnt me doing those transactions and also I made a report with the FTC and reported that I gave them and other banks that had been opened fraudulently. They sent me a letter saying they want all this information but where was this when the account was opened. Why did they let these people who opened the account fraudulently be able to make deposits and open an account without proof of who they were. What happened to signature cards and proof of identity before being able to do such things. I want the account ending in XXXX to be closed and no more opened. XXXX XXXX and XXXX XXXX didnt give me this much problem at all. Bank of America needs to close the account and I am calling the Federal Reserve about them too. Bank of America is aware the account has been reported as fraud but isnt doing anything about it. Why would I send them my IDs and other information when they clearly arent protecting my information or identity

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 2023-02-04 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: PA

Complaint narrative:
There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}. 

I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt. 

Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. 

My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.

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 2023-02-04 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I called American Express on XX/XX/ to report an issue where an elderly XXXX patient accidentally used the points on my card to purchase something. The purchase has been canceled but I never got the points back. The agent proceeds to act like a complete XXXX and cancel all of my credit cards even though I told him they werent compromised and the issue only affected one card. They told me I could call a different line and get temporary numbers emailed to me. I called the other line they told me they couldnt do anything and I was screwed to go get a credit card with another company to use until my new ones come in. And kept telling me how this was for my own good and theyre doing me such a favor and giving me a ton of benefit. I also found out she was lying and i could get the numbers emailed to me online. Then on the morning of XXXX I logged into my Amex account to check when the new cards would be arriving and to get my numbers. I tried to login again 30 minutes later with the exact known working password which probably due to a server issue said it was incorrect and locked my account. I called customer support who told me they couldnt unlock my account until I got my new physical cards. So I cant even login to pay my bill or activate the new cards. American Express customer service has gone out of there way to XXXX me multiple times this year. They purposely go out of there way to make things difficult on customers and act like XXXX during the entire process. Theyve basically locked me out of using every card I pay an annual fee for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 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: WA

Complaint narrative:
Comenity Bank issues XXXX XXXX XXXX XXXX. I had a payment due of {$2900.00} in XXXX. I made the payment through my bank ( XXXX XXXX XXXX ) with plenty of time before the due date. I have a screenshot showing that the payment was received on XX/XX/23 and removed just after ( same day ). They claimed on the XXXX of XXXX that no payment had been made. I called the credit card company, my bank, the credit card company again, and attempted to resolve the situation. I ended up putting a stop payment on the XXXX of the check that had already showed it had been processed, and then disappeared from the statement. The credit card company then sent me a second bill for the new charges, plus the original charges of {$2900.00}. I made this payment via personal check which I took to the post office on the XXXX of XXXX for a total of {$7400.00}. This was the bill minus the finance and payment charges ( total of {$100.00} in fees ). Then they charged me the {$100.00}. ; XXXX plus additional charges and stop payment fees, for a total of {$310.00}. I paid this amount in full when I received it. I just received another message from the bank on XXXX stating that my payment was due by XXXX. The payments all show as credited on their system as of XXXX, and all monies have been taken out of my bank. This took a few weeks to resolve with a lot of stress and concern, and XXXX has been less than helpful. I wasn't able to talk to anyone at the bank, only the call center. And I know that a few people I know have been going through the same issue with lost payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have recently looked at my credit report and noticed that there is information still wrong on my credit report and information still isnt being repoerted the same.. as to my understaning the dola date doesnt match and once account is chsrged off it shouldnt report co co every month i also disputed with the company and th4 credit bureas and information still not repoeted the same and the DOLA date is missing and being reported different

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/22, my friend sent me repayment for a vacation we were taking together for {$290.00} on Venmo. That {$290.00} was deposited from Venmo to my bank account on XX/XX/22. On XX/XX/22, I received an email that the transaction between us had been marked as fraudulent, and as such, Venmo would hold the funds and withdraw them from my account while they investigate the dispute. My friend confirmed her bank account was hacked and this was marked as fraudulent, and she was dealing with Venmo and her bank. I emailed Venmo on XX/XX/22 with screenshots of the agreed upon amount between us and confirmation that the amount had already been deposited in my account. They responded to me that this process could take up to 75 days and I couldnt do anything. In the meantime, I received a payment from someone else for {$150.00} on Venmo for something completely unrelated and Venmo took that amount to help repay the {$290.00} they had over drafted my account. My account is frozen and the only way to unfreeze it is to pay {$140.00} that I do not owe anyone. 

The bank determined my friend was hacked, Venmo helped her re-open her account. I was not hacked and the payments between my friend and I have been solved. Theres no outstanding balance between my friend and I, however Venmo keeps telling me the only solution is to get repayment from my friend. They also have not sent her any money. If she sends me money, which she doesnt owe me, Venmo will take {$140.00} of it so Im still not receiving the full amount either way. Venmo will not respond to me and every response is to only do transactions with people I know and trust. I cant close my account because of the balance I owe. As of now, I want the {$150.00} Im owed returned back to me and to have my account closed. Im at a loss as to how to progress this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if your are unable to provide a copy of verifiable proof, you must remove the account listed below. I demand the following accounts be verified or removed immediately. 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

Company response to consumer: Closed with explanation