vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: SC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX bank ss XXXX Department of education XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX department of Ed/XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX # 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 non-monetary relief
Consumer complaint received 2022-07-26 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Been trying to get SCRA benefits applied to my account, I've been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I got a letter mailed from AmerAssist " claiming '' I owed " The XXXX XXXX XXXX XXXX XXXX' {$100.00}. First, I don't recalled I had ever been to such doctor and checked on line but found there is no doctor office name called " XXXX XXXX XXXX XXXX XXXX  '' at all. 

So, I called to AmerAssist phone number given on the letter as XXXX XXXX. I asked them to give me the doctor office number. They gave me XXXX. I check on line for that number and it turns out to be a XXXX attorney 's number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My Comenity credit card account originally showed payments made but this disappeared from their records and now it shows I owe a very large balance WHICH I DO NOT. 
Information showing at present on Comenity Bank online records for my account : Shows {$83.00} payment on XX/XX/XXXX Then DOES NOT SHOW the following payments I made : 1. XX/XX/XXXX for {$760.00} 2. XX/XX/XXXX for {$71.00} 3. XX/XX/XXXX for {$150.00} 4. XX/XX/XXXX for {$53.00} Then does show a payment for {$110.00} on XX/XX/XXXX Then as of XX/XX/XXXX I made two more payments which have not yet been entered but have been paid : {$100.00} and {$680.00}. 
Comenity records also indicate I received {$10.00} Rewards issued on XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX WHICH I DID NOT. 
I look forward to assistance with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: SC

Complaint narrative:
XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX  who provided a loan of more than $ XXXX to purchase a car, file XXXX  police reports one in SC and another one in NC were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXXXXXX XXXX XXXX as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from Equifax letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly Equifax doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that Equifax employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like XXXX  hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A creditor is currently reporting incorrect information to Equifax, XXXX, and XXXX credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my Equifax report, account opened on XX/XX/XXXX ; the item shows up as XXXX on my XXXX report, account opened on XX/XX/XXXX ; and the item shows up as XXXXXXXX on my XXXX report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have a credit card account with ComenityXXXXXXXX/XXXX XXXX XXXX On XX/XX/2022, I attempted in the morning to make a payment on my All rewards ( XXXX XXXX  ). I tried paying by computer and I also tried calling the phone number on the back of the card, but the system was down. It allowed me to enter all my payment information, but then would say the system was down. I tried doing a live chat with a representative but did not get a response. The strange thing is, it accepted my payment, but days later and I never got a confirmation that it went through. I received my billing statement on XX/XX/2022 and they charged me a {$36.00} late fee!! I have now gone through previous statements and I noticed they have been charging me a late fee almost every month!!! I have literally been trying to reach this company by phone, computer, email anyway I can, but to no avail. I have waited on the phone for customer service and I literally get DISCONNECTED so that I can not talk to anyone in anyway to get this matter resolved and even to close my account. This is definetly fraudulent!!! I am just wanting to speak with someone and it seems it's impossible!! I have never had to do this, but I am very upset with this credit card company and will refuse to ever use this card again nor will I shop at XXXX or any of their affiliate stores EVER!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2022 I was contacted via a phone call saying my XXXX XXXX bill was past due and that I needed to make a payment within 45 minutes because there was a crew on the way to shut it off. So, the guy proceeded to tell me I needed to download my banks mobile app and use XXXX from there. I did as I was asked, and made an initial payment of XXXX. He then said I did something wrong and to try again with a different amount so it didn't get flagged by my bank. So I made a payment of XXXX. This time he said I needed to put the " payment ID '' in just as he said it because it's case sensitive. So, i once again made a payment this time for XXXX. After that he said in order to process refunds on the 2 payments that weren't correct I needed to do the same process, so I did. In the amounts of XXXX and XXXX. Each time he gave me some " verification code '' thing to put in the notes. At no point was I asked for a pin, or digital signature from my bank. As soon as I realized I was scammed, which was about a half hour, I called my bank to stop payment on the charges, but was told they couldn't do that. There was no way to stop the charges. Then I was told since it was a third party app, and that I " authorized '' the payments that I wouldn't be covered by fraud protection. The " investigation '', which lasted less than a day before I was mailed a denial on dispute, was not an investigation at all. 

I spent some time reading the Electronic Funds Transfer Act and what happened to me is against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
Since comenity has been hacked since last month no one has been able to get in touch with this company! Its like customer service has disappeared! I closed my account because I want nothing to do with them. As they are very incompetent! I got a late fee for my IKEA comenity credit card even thou I paid it on time! and have attached proof! Its not my fault ALL your systems are down and messed up! I'm not paying absolutely any late fee for a payment I made on time!

Comenity also offered {$60.00} in compensation from another comenity messed up and I never got anything in the mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: SC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX  XXXX XXXX Department of education # XXXX XXXX XXXX XXXX  # XXXX Us department of Ed/XXXXl # XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: SC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX bank XXXX XXXX Department of education XXXX XXXX XXXX XXXX XXXX # XXXX Us department of Ed/XXXX # XXXX XXXX XXXX XXXX  # XXXX # XXXX # 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 non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TN

Complaint narrative:
Sent money via Wise- several went through, then a couple were held up for " review ''. Was told it was a " random regulatory audit '' but then my account was frozen/suspended and the money didn't go through. When I inquired why, they told me it was because I was purchasing " cryptocurrency '' which was not the case. I appealed the matter and they denied my appeal without any evidence or support for their baseless accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Finally I was able to speak to Truist representative. I asked to talk to the supervisor. Previous person tried her best not to let me talk to the supervisor. When i asked to close the account- she asked me to go to the branch. I can not go due to pandemic. After almost 45+ minutes on the line at XXXX XXXX - I was able to speak to XXXX XXXX XXXX From her voice and speech- it was very clear that she is still sleeping. I asked her the reasons for these {$36.00} fees being charged thrice in last 8 days. She stated that if the account balance is negative -they charged fees every 6 days. As she was not willing to waive off these fees and put the future fees on hold, i asked to close the account. She said that account needs to be having +ve balance otherwise it can not be closed. Supervisor is stating a different reason than the previous person. I said if you keep on charging fees- how the account will be +ve. 

I want this account to be closed with all the fees being waived off. I have already setup ACH transactions from my XXXX bank to make this account balance positive but if Truist keep on charging me fees- I can not help. 

Moreover their customer service can't spell out the names correctly. I felt bad that my last name is spelled in such a way that it sounds like curse.

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 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Cash Management Corp.
State: ME

Complaint narrative:
When I called, they have nothing for XXXX for {$100.00}. 
My accounts are all up to date and they show I have nothing in collections. 
What is this about? 
It should be removed from my report Thank You XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately. 

Why was my identifying information shared that I did not consent?

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 2022-07-26 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: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. As well as several other inconsistencies, such as OPEN DATE of XX/XX/XXXX with a LAST PAYMENT DATE of XX/XX/XXXX. This can not be correct in any way, since this would mean the account was paid on before it opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
Avant opened a credit card account that was never applied for. This fraudulent account also has the annual fee immediately charged to the account. Multiple phone calls made to the company, they do not close the account, refuse to provide any information of the source of the fraudulent " application '' to open the card in the first place and instead continue to request more sensitive information related to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Around XXXX of XXXX I called Experian and spoke with the Fraud Dept. regarding some inquiries that popped up that did not belong to me. The young lady reviewed everything on my credit report and there were also some addresses that I never lived at on there also. She said she would remove them as well. Now, I have no address reporting, not even my current address. Since XXXX, creditors have been unable to obtain my credit profile from Experian. This has impacted me both in my personal credit and business credit. I have been denied credit because the creditor can not obtain the information needed. I am currently in the homebuying process, and this will hinder my ability to purchase a home. 

I have called Experian several times since XXXX and was told they needed to verify my address with identification which they had on file from a previous dispute. They informed me it would be taken care of. These calls were around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I called again XX/XX/XXXX 2 times in XXXX day because the first person told me there was nothing wrong with my profile and for me to just give the creditor a copy of my credit report. I explained to her that they will not accept a copy from me. It does not work that way. My mortgage company tried to run my credit on XX/XX/XXXX and was not able to obtain my Experian profile.. I need help.

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