vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  have 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

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 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: NY

Complaint narrative:
Comenity Bank : BJ 's Perks MasterCard has experience total failure of their website for approximately 1 week. A message originally appeared that they were going through planned upgrades and the site would be back up soon. This message lasted for approximately 4 days, and has now been replaced with a message that the upgrade is taking longer than expected. This message has now been up for three days. I have contacted their customer service #, but they will only report that account services online will be available soon. A consumer is prevented from utilizing any services online, checking balance, accessing a statement, fraud prevention, management of benefits, or even payments online. I have never experienced a delay more than an hour in any other credit card, and this is now going on for over 1 week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Caliber Home Loans XXXX XXXX NMLS # XXXX I ( with my now ex-husband ) applied over two years ago for a mortgage with XXXX XXXX XXXX Caliber Home Loans for a mortgage. I was granted that mortgage loan. I have always paid on time. 

Last Friday XXXX, XXXX XXXX of Caliber Home Loans was granted full access of my private ( and supposedly secure ) information by Caliber Home Loans. She " copied '' the file and ran a full tri-merge credit report on me when I neither applied for a loan from her nor gave her authorization to pull my credit. SHe stated in an email that she " accidentally '' pulled my credit when my ex husband called her for mortgage financing. She further insulted me by offering to give me a copy of my credit report! ( which she is not supposed to do according to the law ) She is ruining my credit score and now I need to fix the damage ( If I even can ) that she created by doing a hard inquiry that I DID NOT AUTHORIZE OR REQUEST. I have had a HUGE score lost due to this along with the hours I have already spent looking up all of the laws they have broken by their blatant disregard to do business correctly. 

Caliber Home Loans is obligated by law to keep my personal and private information away from the hands of everyone. AND they are obligated to make sure that if they pull someone's credit that they have authorization! Yesterday, XXXX, on a phone call, XXXX XXXX XXXX who claims to be a regional manager at Caliber Home Loans ) stated they grant loan officers access to other loan officers files as commonplace. He laughed when I told him that they didn't have my permission NOR did they have the right to give access to another loan officer that I do not know my personal & private information!! 

Yesterday I also called XXXX XXXX XXXX to ask how this can happen and if it happens often with Caliber Home Loans. The woman from the credit department stated that they have had other calls like this one about Caliber Home Loans!! SHe also stated that not all of the credit bureaus will be willing to remove this hard inquiry therefore affecting my credit score for the next 25 MONTHS!

This MUST be STOPPED IMMEDIATELY!!!

I have email conversations where they admit to all of this that I would be happy to forward to anyone who's interested.

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: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.

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: NY

Complaint narrative:
I have a XXXX XXXX line of credit through Comenity. Their payment site has been down for some time now ( about a week ) and my payment due date is on the XXXX and I usually schedule a payment in advance and now I fear that my payment is going to be marked late with the bureaus and hit with a fee. 

Many others are having this issue as well. Phone lines are down and I am unable to get assistance anywhere.

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

Complaint narrative:
I've been trying for days to pay my Comenity BJ 's XXXX. Their website says they are doing a maintenance update, so not able to login. When you call them there is recording saying they can't assess your account information and their offices are temporarily closed.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Eqifax did not follow law they didnt follow the 30 days demand to comply law also I sent in my FTC report over 30 days ago for fraud inquiries this incorrect information needs to be deleted Inquiry Name : XXXX Inquiry Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX Date : XX/XX/2021 Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Name : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Date : XX/XX/2021 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: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Website has been down and my card is being declined ( my credit score is XXXX ) no one knows nothing, erroneous info provided, no end in site, is this a breach?? Started XXXX that i know of. Calls to customer care no loner answered. Am furious... thus is A BANK!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
When I got the car it was through a buy here pay here. NO CREDIT REPORTING. The car was totaled and the company was supposed to have their own insurance on the car as well as mine. They did not put insurance on it and so I checked my credit report and noticed the company US Auto Credit was on my report. I got my car from US Auto Sales in XXXX, Ga. Which is a buy here pay here. I tried reaching out because it said that {$7000.00} was written off, yet the amount I supposedly owe is over {$13000.00}. It is being reported as on time with payments through XXXX but thats impossible as I havent made any payments due to their issues and I never took out a loan that reports to my credit with this company. Because they put this on my report and I wasnt notified of ANYTHING! You can just report something just because you want to. So being that they are illegally reporting payments being made, it has made the year of dropping off my report to XX/XX/XXXX, when from what they report it should be XX/XX/XXXX. I want this off my credit as I do not owe them anything as I never went through US auto credit. I havent received any paperwork, phone calls or anything validating this debt. Yet they have updated they couldnt find me. Another lie! This is hurting my financially and I am already going through hard times. Please delete this asap!

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: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/XXXX XXXX XXXX charged {$25.00} for medical visit at XXXX XXXX. On XX/XX/XXXX he charged {$480.00} at XXXX XXXX. On XX/XX/XXXX he charged {$10000.00} at XXXX XXXX XXXX law firm. Prior to our separation XX/XX/XXXX. XXXX told me that he did not have access to my Citi account. I was surprised to see these charges. I did report this to Citi. I also filed an identity theft report with the Federal Trade Commission the day I learned he posed as me to try and gain access to my Been Verified account. My attorney also sent an email communication attached to XXXX XXXX law firm on XX/XX/XXXX notifying of the transaction- " XXXX, Your client is impersonating my client and attempting to access his personal accounts and also making unauthorized charges on his credit cards. One appears to be a XXXX charge to possibly your firm which my client will dispute. Please advise your client accordingly. XXXX ''. Attached you can find the invoice charged at that point was only {$1100.00} of the {$10000.00}. At the the firm could have returned {$8800.00} to the card. This communication and the invoice are attached.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We sent a payroll payment to our team in XXXX as usual, due to the conflict in XXXX the money was never delivered to the end party because the middle bank ( XXXX ) broke relationship with the end party bank, since XXXX we have been calling almost every day to Bank Of America to " recall '' the money back, we had filled it up many recalls and followed all their process, we also spoke with the end party by advice of Bank Of America and they said ( resonable ) they do not have anything to do with that because they never receive the money. 

At this point we have XXXX in the limbo because every time we call ( expending more than 1 or 2 hours ) bank of america have the same answer, we have to wait, but we don't know that waiting time how long will take and we need our money back.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Fraud account, that was disputed with XXXX XXXX XXXX  never had account with company, sold to debt collection agency that is reporting inaccurate information on my credit report, damaging my credit.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/22 I I went to chase in XXXXXXXX XXXX  on XXXX to make a deposit. The drive through had a long line so I went to atm like I always do. I attempted to deposit {$1300.00} in all XXXX through the banks atm. when I tried to deposit the atm bills might of been bent a little so I tried to fix that until the mechine tried to close on my hand so I was unable to fix the bills, the atm jammed and went white with a A as loading icon. So I began recording and and the error message popped up that the machine cant accept deposits. 


I immediately entered the bank and explained what had happened they sent me away with a XXXXnumber stating they dont have any control over the atms. 

I contacted the the XXXX number they assured me that it will be looked into then issued me a credit. I look into the account on XX/XX/22 I had a negative balance the credit was reversed. I called and they stated they found nothing wrong with atm on that day or that I even tryed to make deposit. I have a video of what the atm done I stated and they said they cant use that. So Im looking like a XXXX  for doing the right thing and have no power to have them do the right thing and really look into this. I tried to sort it with them and done all I can do.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been in XXXX  getting my XXXX for the past several years. I have never had a late payment because I would call and discuss that I am still a student and get the payment deferred until it was time for me to finish school. I have had the creditor call me to discuss repayment and each time they tell me they can defer the payment. Most recently XX/XX/2022 I noticed there was a late payment added to my credit report from Federal student loans. I am very confused because due to Covid payments were deferred and still are. I am not sure why a late payment was added to my credit report and I have reported it to the credit bureau multiple times.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have been in XXXX  getting my XXXX  for the past several years. I have never had a late payment because I would call and discuss that I am still a student and get the payment deferred until it was time for me to finish school. I have had the creditor call me to discuss repayment and each time they tell me they can defer the payment. Most recently XX/XX/2022 I noticed there was a late payment added to my credit report from Federal student loans. I am very confused because due to Covid payments were deferred and still are. I am not sure why a late payment was added to my credit report and I have reported it to the credit bureau multiple times.

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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I have contacted Credit Acceptance numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. Credit Acceptance told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. Credit Acceptance is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MN

Complaint narrative:
This complaint is about my discover savings account. I suddenly got an email from discover saying a suspicious account activity is reported on my account and so account is locked and said to call a number to unlock the account. 

I have been trying to call discover from Thursday XXXX Since then, Everyday the call goes on for XXXX hrs and gets disconnected after XXXX hrs. I have been spending nearly XXXX hrs a day on call and not even able to talk to an agent and the agents on chat and on discover social media accounts couldnt help and they say to talk to the same number. 
The auto recording says estimated waiting time XXXX minutes but the wait goes near to XXXX hrs and gets disconnected. 

I want discoverbank to have a good customer service to be fast to help people from this situation.

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:
My payment for my XXXX XXXX which is issued through Comenity Bank was due yesterday XX/XX/22. When I opened the app to make a payment, it stated that scheduled maintenance is taking longer than expected and that my information was still secured. I attempted to make a payment without signing in with username and password and still was unable to make payment. I've contacted them and it says to call back at a later time. I've attempted to make my payment again and still recieved the same error message. I've gone to their XXXX page for updates and nothing. I don't want to incur late fees or have my credit score lowered because of this.

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:
Attempted to pay via the payment portal websites for each of these store cards : XXXX, Express, XXXX, Torrid, XXXX, & Victorias Secret ; payment website states only same day payments are accepted but will not allow me to login to pay. I can not access my online bill, attempts to call the customer service line to pay over the phone are unsuccessful as the line disconnects shortly after stating that they are undergoing system updates. Comenity Bank has been unresponsive through all social media avenues.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NY

Complaint narrative:
7 fraudulent charges to my U.S. bank XXXX  credit card between XXXX XXXX totaling approximately {$23000.00} ( 2 different stores ). 

When I noticed the fraudulent charges in XX/XX/2022 I immediately contacted the credit card company to report them. 

I then received a letter from the credit card company dated XX/XX/XXXX acknowledging my complaint and giving notice that the company had given provisional credit for the fraudulent charges. 

With my XXXX statement I noticed that all the fraudulent charges had been returned to my statement. 

I immediately called the fraud department customer service to complain. The representative XXXX said she could not handle the problem, but a case processor named XXXX would call me to follow up. I have not received a call from the processor or any other call or written communication about the fraudulent charges that were restored to my card. I have a confirmation number for my contact with XXXX : 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 monetary relief