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: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
In XXXX of XXXX, I received a monthly statement from my credit card issuer, Comenity XXXX XXXX. I mailed a check, for the full amount, {$670.00} on XX/XX/XXXX. Upon receiving my XXXX statement, it showed that my payment had not been credited and a late fee and interest had been assessed. I called the company on three separate occasions during the next week to see if the payment had been received. My account reflected that the payment had not been credited and I was told it had not been received. At that time, XX/XX/XXXX, I made an ACH from my bank directly to Comenity for the full amount due, {$1000.00} ( XXXX and XXXX statements ). Upon being given a confirmation number by Comenity for this transfer ( XXXX ), I proceeded to cancel the credit card and close my account. Today I received a statement from Comenity informing me that I owed a {$25.00} for a returned check. I find it very coincidental that a check that was mailed over a month earlier " appeared '' on the next business day following closing of my account and payment-in-full of the outstanding balance. Why would a company deposit a check for an account that no longer existed AND was paid in full? In my opinion, what has transpired is simply a ploy to generate an illegitimate fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I enrolled in the Citibank Accelerate High-Yield Savings Leveled Bonus Offer on XX/XX/XXXX and funded the account with {$55000.00} on XX/XX/XXXX. I met the requirements of keeping the balance above {$50000.00} to qualify for the {$450.00} bonus. The bonus was supposed to be paid to my savings account within 30 days of completing the required activities, which is either 30 days from XXXX or 30 days from XX/XX/XXXX. I contacted Citi via chat on XXXX and a representative named XXXX indicated I would receive the funds by XX/XX/XXXX. When I didn't receive the bonus, I had another chat, this time with XXXX on XX/XX/XXXX. He opened a ticket ( XXXX ) for me and indicated it may take up to 5 days to receive a response. I still haven't heard anything on XXXX. 
This savings account and my Citi credit card remained open and in good standing this entire time period. I've attached proof of the bonus offer, transaction history, statements and chat screenshots.

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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
My driving record is compromised because the insurance company I filed a claim with is reporting the accident as an at fault when indeed it was not my fault. 

XXXX is reporting this information incorrectly XXXX XXXX is reporting this I correctly Lexis nexis risk solutions and all other driving record reporting agencies are reporting incorrectly. 

I keep getting high insurance quotes because of the misinformation

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish information without my written instructions.

I am writing to dispute the following information that Experian has reported to my Credit Report which is inaccurate. I am requesting that all the inaccurate information below be deleted immediately. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 1681. 

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 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 — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/2023, I was notified by my credit card company that an entity named, " ComenityCapital/XXXX '' had initiated a hard credit check on my account. I had not applied for credit from this or any other company in at least the last 60 days. I was also notified about the same incident the next day by my credit monitoring company. 

An Identity Theft Restoration Specialist from the fraud detection services of my credit card company contacted me on XX/XX/2023, and together we attempted to contact ComenityCapital/XXXX  but the wait time was excessive, and we decided to try again the following week. At the same time, the representative of my credit card company said that her experience with that creditor was that they were very difficult to reach and work with for these purposes, and suggested I file a complaint with the XXXX as directed by their " Recommended Steps to Take to Protect Yourself '' document that she sent me via email.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hi, my name XXXX XXXX, I sent your company a dispute letter last month, XXXX XXXX, 2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
EXPLANATION : I've Had this fraudulent account added XX/XX/2021 without my consent. 
I went into XXXX XXXX to switch phone carriers while I was still connected with XXXXXXXX and was denied since my phone was still locked. The XXXX XXXX asked me to write down my information, so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX & XXXX XXXX XXXX, Etc... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, meanwhile I have NEVER missed a payment with my newly opened XXXX account so I was confused ... i also NEVER received any document or phone call saying owe XXXX anything... So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. They told me it must be a misunderstanding and they removed it off the credit bureaus but it was still on my EXPERIAN credit file. I end up calling XXXX a month later and we ended up finding out the first XXXX franchise i went to where the EMPLOYEE asked me to write down my information on a STICKY NOTE ended up fraudulent opening an account with my information and sent it to the Debt Collectors!! THERE IS NO OFFICIAL DOCUMENTS WITH MY SIGNATURE ALLOWING ME TO OPEN THAT ACCOUNT. 
XXXX told me the only thing i can do is pay off the balance ( {$120.00} ) to get it resolved since they couldn't remove it from every credit bureau so i did that ... Next thing you know it turned into a closed account, this has Humongously effected my credit, I have never missed a payment and it posted as i missed ALL my payments.. it dropped my credit score almost 50 POINTS!!! I NEVER gave XXXX authorization to open that account nor was i sent any documents or contacted about that account since it was " opened '' they NEVER had my official information!! NO address or NO number just my SSN. I've tried to dispute on Experian & XXXX XXXX and it kept coming back accurate! i just want this account OFFICIALLY removed since it was fraudulent opened.. The company can not provide proof i opened this account, and have violently prohibited my rights!! i even provided proof in the evidence box of XXXX saying the account was mistakenly opened.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX Date of Last Activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion XXXX XXXX XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I called Capital One today and spent over an hour on the phone with no results. I recently made a payment on XX/XX/XXXX, that cleared my bank account the following business day, XX/XX/XXXX. Capital One has said payment on a 6 day hold and is refusing to update my available credit for usage. The funds have been cleared and the payment has not returned so I am very frustrated as to why the funds are not being made available to me. I spoke with a supervisor who told me there was nothing she could do. I then asked to speak to her manager, and I was told her manager only handles administrative tasks. The first associate I spoke with had construction going on in her home and I could barely hear her the entire call. When I asked to speak to her supervisor after being placed on a 15 min hold, I was disconnected from the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
When looking for apartments to rent, a deposit was paid and kept by the leasing company on a unit with XXXX XXXX XXXX. Decided not to rent their unit because of finding a better offer and never signed a lease or rented a property from this company. I would love to see what information was sent to Rent Recovery Solutions regarding me owing rent to this company that allows them to impact and affect my XXXX XXXX with XXXX proof. I believe both these companies are happy to partake in fraud to attempt to gouge money from easy targets in a XXXX XXXX XXXX This has impacted my XXXX XXXX when currently looking to purchase a vehicle which could cost me thousands in financing due to a completely fraudulent collection account sent. I only recently received a piece of mail on the collections with XXXX other contact about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: FL

Complaint narrative:
This is a second debt collections reported by IQ Data International, the apartment company was called XXXX XXXX in XXXX, Florida at the time of move in XX/XX/XXXX. That apartment has since been changed to XXXX XXXX  : which they did not let any residents know about this change before hand. I went to sleep at a friends house one night and came back to my apartment complex name being changed. When I moved in the elevator was broke, I was under the impression from the office manager that parts were ordered and going to be installed in the next couple weeks, I was concerned because my apartment I was renting was on the fourth floors. I never would've moved in knowing that the apartment had no plans on fixing this issue. This was directly affecting my health because of the first incident reported above with my injuries from the car accident, suffering bad neck and back pain. So constantly going up four floors daily was gaining on me. Six months past and I could not take it anymore, I let them know I was moving out. The elevator was not operational the ENTIRE time I lived there, not for one day, which is a direct violation in FL for not keeping the property up to date with maintenance, but I still paid rent every first of the month and not ever late with a payment. I'm no longer associated with either of these addresses whatsoever. After moving out I noticed that they reported it to collections on XX/XX/XXXX of XXXX with a balance of {$3700.00}. 

I would really appreciate if these could be removed as I'm hoping to buy a house in XXXX with my now fianc, but with these on my report I will be unable to do so. Thank you.

Company response to consumer: Closed with explanation
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: IL

Complaint narrative:
Since Bread Financial took over Ulta Rewards/Comenity . I have been in Account Fraud trying to get an issue settled for almost a year.

They are sending Me Two statements from Ulta ... one is an OLD XXXX balance card that they reopened n put {$750.00} payments in it that was supposed to go toward my current account. Since then they HAD fixed it back to XXXX ( acct should be closed ) .then it was {$350.00} owed n they sent me a check back for {$350.00} which makes no sense. 
Now? Theyre charging me interest AND fees while they work on it. They are RUINING MY PERFECT CREDIT. 
I can not even pay it off in the interim bc they CAN NOT FIND THIS ACCT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On XX/XX/22, I opened a 24 month Bump Up IRA CD, with Synchrony Bank. On XX/XX/22, I advised the Bank that I wanted to exercise the bump up option. Since then, I have had numerous telephone calls and emails, regarding this matter. They have not addressed my instructions, or responded to my attempts to resolve this matter. When calling the required phone number, you are subjected to long hold times. Promised phone calls, to discuss this matter, have not been forthcoming. 

Anything you can do, to assist in resolving this matter, will be greatly appreciated.

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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXXXXXX XXXX XXXX XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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