vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: RI

Complaint narrative:
Upgrade Bank advertises direct deposit capability on their XXXX XXXX account with a 3.5 % apy. Unable to set up direct deposit for over a month and a half and having repeatedly been lied to that since this is a new product, they are trying to iron out a glitch, Im finally being told today that direct deposit is not a feature available with this particular savings account and that I can only deposit funds via bank transfer. This is despite the fact that on the companys own website, there is an FAQ page explaining how to set up direct deposit on this type of account. When confronted with this discrepancy the phone representative mentioned that she would check with upper management. This is beyond deceptive and needs to be addressed to people dont open accounts and get misled by greedy banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I Dispute this account to Experian, XXXX, and XXXX that this account dont not belong to me and I have no idea what what is this account. 

However the credit bureaus said the they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and How did they complete this investigation.

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 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
Transworld System Inc : I believe it was for an account with XXXX XXXX XXXX, there is a charge for {$1000.00}. Charge was disputed as fraud on 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 explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
I received an email regarding updated policy from Affirm on XX/XX/22. I immediately contacted them and informed them I do not have an account and should not be receiving these emails. I spoke with XXXX, the supervisor who said that they did have an account for me. I requested they close it because it was fraudulent. They then asked for my social security number and I refused to give it to them on the basis that I never gave it to them in the first place and there are other ways to identify who I am ; the request was fishy and sounded like a scam especially when XXXX asked for my email as if Affirm didn't have it ( how else would I receive emails from them? ) I was told I would receive an email within 3-5 business days with instructions to close the account- they refused to close it once I said I would not give them my social security number. I never received anything. I reported them to the FTC on XX/XX/22 because the interaction made me really uncomfortable and I think it's a scam. I contacted them again XX/XX/22. I received a response from XXXX who apologized for the delay in response and promised I would hear from someone within the week. I haven't had any response from the company at all. I have never signed up for affirm. I have never given permission to open an account and if that occurred it was done through subterfuge from Affirm or another fraudulent occurrence from someone else. As I understand it, after looking into it Affirm is like After pay - you can purchase on credit and pay back in installments later. I only have a XXXX account not an Affirm account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: NY

Complaint narrative:
On XX/XX/2020 I Dispute this account to XXXX, transunion, and XXXX that this account dont not belong to me and I have no idea what what is this account. 

However the credit bureaus said the they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and How did they complete this investigation.

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 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a credit card called IKEA Visa Credit Card issued by Comenity Bank and I receive {$15.00} reward certificates from the bank every time that much rewards are accumulated. These certificates can be redeemed at IKEA against the purchases made at the store or online. 

Few months ago, I received XXXX reward certificates of {$15.00} each, total {$30.00} in XXXX separate statements dated XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I went to IKEA store at XXXX, CA to redeem both the reward certificates and discovered that the statements could not be redeemed since the XXXXKEA point of sale system was getting error when the certificates were scanned. When the issues was borough to the attention of the IKEA store manager, she mentioned that they are experiencing an issue with Comenity Bank 's rewards system hence my rewards could not be redeemed at that point. The store manager asked me to contact Comenity Bank to resolve the issue.

I contacted Comenity Bank about this issue after a few days of my visit to IKEA. I called the bank as well as sent them a message from their website on XX/XX/2022 explaining the issue I am facing with redeeming the rewards. The bank responded with following message : " We implemented a system update due to which some functions are temporarily disrupted. We are temporarily unable to see some account information and help with certain things. '' The bank did not give me any definite date on which the issue with their system will be resolved. So, I waited patiently and contacted them again on XX/XX/2022 since I did not hear back from them in the mean time. The bank responded with following message : " We are still working to resolve the reward issue that is impacting your account. Once this issue has been corrected, your rewards will be updated accordingly. Unfortunately, there is no time frame regarding when this issue will be fixed. '' After this I waited patiently again and called the bank on XX/XX/2022. I was able to talk to a customer support representative who failed to resolve the issue after investigating it for approximately XXXX mins and disconnected the call abruptly. I called them again talked to another customer support representative for around XXXX who said he wants to reissue me the {$30.00} rewards but the system he is working on does not give him that option. When insisted that I want this problem to solved today, he them transferred my call to his supervisor. The supervisor never answered the call and my issue remained unresolved after almost 5 months. This is not the first time I have faced issue with the Comenity Bank service and their rewards system and I fear that they don't want to resolve my issue and take away my {$30.00} rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank Mortgage does not inform its customers about increases in the escrow amount. When your autopay 'underpays ' the new payment amount, they hit you with a {$70.00} late fee. They can not provide proper reporting online related to your escrow balance and analysis. The full monthly payment amount due on the mortgage does not update until a few days AFTER the actual payment is due. I always pay on time. I, nor any other customer, should be penalized for their antiquated system, inability to send electronic notifications and horrible reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After reviewing my credit report I see an account that was not authorized by me and a collection that does not belong to me. I have contacted the police and reported this as fraud and was told to follow up with you guys. XXXX XXXX XXXX is on my credit report seeking a {$0.00} collection for an account I have no knowledge of. I have never done business with XXXX XXXX XXXX. The credit report says it was opened on XX/XX/2020, and acct number is XXXX. Also, my XXXX  has a different amount to be collected on it, this is fraud. I request an investigation in writing, and a return receipt requested from the credit agency.

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 2022-12-02 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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: Self Financial Inc.
State: CA

Complaint narrative:
My computer was hacked and a self account was opened. Which changed my credit score by XXXX and I want this fixed. Self agreed to close account, and I manually completed dispute on the XXXX online. I WANT MY ACCOUNT TO REFLECT XXXX LIKE IT WAS BEFORE THIS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CO

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 16B1 15 USC 16B1 section 602A States I have the right to privacy 15 USC 16B1 section 604A section2 States that a consumer reporting agency can not furnish an account without my written permission or instruction to do so.

15USC 16B1.C ( AthruC section ) states no consumer reporting agency can release any adverse account information other than records of criminal convictions that are older than seven years.

15USC 16B1 section 2 ( A ) ( 1 ) States that a person shall not relay any information of a consumer to any consumer reporting agency if the said consumer know or has reasonable course to believe that any information on any credit reporting agency is inaccurate Last year my identity was stolen. 
Since that time i have been shotgunned through out colorado I have filed with CBI and the Federal bureau of investigations and have reported identity theft to the three consumer reporting agencys. 
I am also adding XXXX to this report XXXX has violated my federal rights to privacy and equality XXXX consumer center consumer number XXXX case number XXXX XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
XXXX has violated my federal rights to privacy and equality Equifax Information Services LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: PA

Complaint narrative:
Good day, my ongoing issues is with Equifax. Their reporting accounts on my credit report that aren't mine. After pointing this out to them, they claimed to have verified it, but they refused to send me copies, prove, of the investigation. 

Since they've claimed to have physical proof that the accounts belong to me, than I demand copies of the investigation, that are within my rights as a consumer. 

Credit bureaus are supposed to report 100 % accuracy, on consumers credit report. Their still not taking me or my issues serious. This situation is stressful enough, and it's unfair that I am being punished for their failure to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
Collection showed up on my credit report. It is apparently an energy bill from XXXX XXXX in XXXX  I have never been to XXXX. I filed disputes with XXXX and also XXXX. 
I have lived in XXXX for 7 years and prior to that XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
This is an account I never applied for and I don't have a monthly statement Account name XXXX XXXX Account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
During Black Friday event I called macys to place an order for earrings I liked. During the call, I was offered to apply for a credit card with macys and get additional 20 % off. I agreed, applied for the card, was approved and submitted the order. I received a confirmation number and was assured that the order was placed. A week later I called back to check on the status of my order because I did not receive any emails or notifications about my order. I was informed that additional verification is needed. Completed the verification again ( same verification as when I placed the order a week earlier ) and was informed that the item is no longer available. After more than an hour of poor service and being hung up, I closed the card I just opened, because I could not get the item I purchased. I was also told I cant get the credit inquiry removed, because I agreed to it. The truth is, I only agreed to open this card for this specific order and to get the discount that I will never receive. The marketing of macys was misleading, which resulted in opening this unwanted account. Order number 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 explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: OR

Complaint narrative:
AFNI , Inc : trying to collect debts from someone who opened an XXXX XXXX XXXX acct. This account was not opened by me. Reported and disputed as fraud. Unsure the amount charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CA

Complaint narrative:
Comenity Bank - XXXX XXXX Rewards XXXX They failed to properly apply a {$820.00} payment. My bank XXXX XXXX XXXX XXXX XXXX and I have provided the elecontronic transfer thru bill pay. I have repeatedly contacted Comenity they deny saying never had previous calls never received requested information. XXXX has replided 3 times to an address Comenity provided. Still no credit and no refund this has been on going for 5 months see documents. Comenity has no record of the phone calls or the requests or the written documentation. They have no email and no fax #. They are defrauding me of the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Shows incorrect account for XXXX XXXX under TransUnion in account that pays paid under hunter warfield

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 2022-12-02 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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation