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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The following companies listed below from 1 through 5 are showing missed payments in my credit report. I disputed the accuracy of the credit reporting with the Credit Reporting Agencies ( ie Transunion, XXXX, XXXX ), they concluded without " Receipts '' confirming the accuracy of the reported missed payments that the information was correct. I have not received information from neither company nor Credit Reporting Agency confirming the accuracy of the reports. The following are the companies : 1. XXXX opened XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX  XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX opened XX/XX/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 2022-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to get this late payment off my credit from Equifax, XXXX, and XXXX. I have not been successful. 

I have received this letter from the creditor ( XXXX ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX  # XXXX Please help me get this removed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to get this late payment off my credit from XXXX, Transunion, and XXXX. I have not been successful. 

I have received this letter from the creditor ( XXXX ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX # XXXX Please help me get this removed.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to get this late payment off my credit from XXXX, XXXX, and Experian. I have not been successful. 

I have received this letter from the creditor ( XXXX/XXXX  ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX/XXXX  # XXXX Please help me get this removed.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

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 XXXX bankruptcy 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: PA

Complaint narrative:
Please refer to # XXXX as this is the same problem. 
Unfortunately whoever answered the previous complaint did not sign or indicate a name on the letter to me so I am unable to address him/her. Although Gregory Funding has stated that they sent my tax payment to the XXXX XXXX  XXXX on XX/XX/2022 it has still not been received and credited by the XXXX XXXX XXXXXXXX. 14 weeks later my original tax payment of {$2300.00} generated fines and penalties resulting in the amount due to the XXXX XXXX XXXXXXXX as {$2500.00}. I have tried to get thru to Gregory Funding to obtain a copy of the cancelled check so that I can work with the XXXX XXXX XXXXXXXX to credit my tax obligation. It is impossible to get thru to customer service, therefore there is no customer service.

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: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
i applied for a Best Buy credit card to get 12 months free financing and was denied for the card but offered one that charges an annual fee of {$59.00}. i refused and paid in cash for the purchase. i received a denial letter in the mail with the reason for the adverse action as " Insufficient Credit Experience ''. This can not be correct. i pulled my XXXX report and i have 24 years and 6 months of credit history, not to mention that i have had at least two prior Best Buy credit cards just to get the free financing that have since expired because i don't use them. i have never been late making a bill payment and my credit is excellent and my income is good. I'm sure i was targeted because of my income and credit history for a high fee card. This is unacceptable and totally against any consumer compliance regulation - Fair Lending - Reg. B. i tried contacting CitiBank ( the number on the adverse action letter ) only to get a run around. it's totally automated and there is no option to ask about the reason for denial other than to get a copy of my credit report, which i did. This confirms the length of my credit history.

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 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 am trying to make a payment through XXXX Comenity payment portal but the site has been down since XX/XX/XXXX. They have turned off the customer service phone lines and there is no way to contact a rep nor any way to make a payment. Most importantly, there is no estimate as to when systems will be back up. This is messing with peoples credit.

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: TX

Complaint narrative:
Comenity Bank has failed to allow access to customer accounts and is charging interest and fees. Comenity bank has locked me out of my account for months and has not had any customer service to access the account. Comenity has not been drafting my payments from my account for months now, which I initiated through " Easy Pay '' that allows to you pay your bill without Sign-on. Again, they are charging fees and interest during this time, this seems very criminal and similar to extortion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This has been going on with Bank Of America in XXXX XXXX Florida on XXXX XXXX I had an account with XXXX and they were taking money out of my account for items that I did not receive so I went to the bank immediately with XXXX pages showing them that there were errors so they issued me a temporary credit and then they took the credit back now this has been going on since XXXX I am still out close to {$1000.00} when I went to the branch the manager whose name is XXXX and I have her on video and recording telling me that anything to do with checking and savings is not her problem she sat me at a vacant desk in the office there and told me to handle it myself which I also have on video, then because the monies were not in my account they took them out of my husbands savings account which was the money that we keep our mortgage money in, this has caused nothing but problems I even drove to XXXX to the main office to try and get it resolved they faxed XXXX pages of documentation proving that these charges were not accurate and that Bank Of America dropped the ball and its cost me literally no With no exaggeration I have spent the equivalent of two weeks on the telephone trying to get this straightened out and just yesterday I got a letter from Bank Of America stating they were issuing me a credit of {$160.00} and then today it shows the account negative by {$200.00} this is what I have been dealing with continuously am asking that somebody intervene because the branch manager there in her own words this isnt stuff she handles and she wouldnt be bothered with it I went in every day for almost 10 days before I took the hour drive to XXXX I am begging that somebody resolves this. With respect 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 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 — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity bank has been inaccessible since last week, XX/XX/XXXX to present. Can not login to check balance, says you can make a payment but get a login error when trying to do so. 

As of XX/XX/XXXX they also say their offices are closed due to unforeseen circumstances. still can not access account. Have reached out on various social media platforms, response is auto generated and vague

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 accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
For over a year now Ive been asking the Truist Financial Corporation why the bank is not using Two Factor Authentication ( 2FA, ) for access their Web Online services. After repeated inquiries for an answer the Banks IT security department has ignored my requests. My hope was that this security feature would have been implemented as part of the merger with BB & T in XXXX however it was not!! I don't believe Truist taking its customers online security seriously and would like the bank to step up and enact the 2FA for Web Online Access to their services. Left frustrated with the Banks lack of concern for its Web Online customers Im requesting the Federal Financial Institutions Examination Council ( FFIEC ) investigate the Truist Financial Corporations Online Authentication and Access Risk Management policies. If the management of all the banks security policies ( especially Web Access ) are found to be inadequate, I would like to see the Consumer Financial Protection Bureau ( CFPB ) take immediately action to have Bank address them in a timely manner Thank you for your consideration

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 card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased clothing XXXX XXXX and applied & received credit card. I was told I would receive statement in the mail. I called in early XXXX and was told statement would be mailed XXXX. The person I spoke to had no info for me nor were they able to give me info regarding my payment balance due. I waited an extra week assuming it would arrive. To date I have not received a statement either by email, text or USPS. I began contacting Ann Taylor XXXX XXXX Comenity Bank on XX/XX/27 & XXXX I have used their chat, emailed, text, called every number I can find, and am getting the run around. Only Comenity Bank can help me XXXX  told. Everything I try refers me back to Comenity Bank. I went to their website to set up payment & because system is down, it wont allow me to. The banks system is down and has been down for a few days apparently. All I get are recordings telling me so. No matter which number I call, I get same recording. I have called several numbers, several times. When I find a number for XXXX, and speak to someone, they can not help me and refer me to same numbers. Cant does the same. They do not accept payments in their stores. I have no statement, do not know amount due or date payment is due, who to talk to, I have no address to make payment to and as I said, no one to help me or talk to. The only daily emails I receive are for Ann Taylor discounts & sales. I am deeply concerned that the banks lack of ethics & customer care/response will affect my good standing credit. I am upset, stressed & frustrated. I regret applying for this master credit card. It is the ALL rewards Master Card.

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: NY

Complaint narrative:
I am trying to make a payment through XXXX 's Comenity payment portal but the site has been down since XX/XX/XXXX. They have turned off the customer service phone lines and there is no way to contact a rep nor any way to make a payment. Most importantly, there is no estimate as to when systems will be back up. This is messing with peoples credit.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
loan wa snever executed per vehichle of interest was sold and I never took possesion of vehichle, numerous visits to branch as well as multiple phone calls to address situation, was assured that loan was cancelled, however still showing on account and reflected on credit report. loan no.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 explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I informed Citibank Credit Card Services, in writing via U.S. Mail, that my wife had lost her job after having Covid twice, and had not found suitable work yet still, and that I am legally XXXX and unable to pay anything, and do not care if my debt with them is charged off, over and over again, and yet they call many times during each month. and not to call me again.

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
About 30 days ago I did Experian boost and my score went up to XXXX. One week later my bank was disconnected from boost for an unknown reason. I called Experian and they told me to reconnect my bank. When I did this my score went from XXXX to XXXX. I called 4 times and got XXXX different answers.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There was an erroneous derogatory claim placed on my credit report. The original debtor, XXXX had falsely submitted my account to a collection agency, XXXX XXXX  for a debit I had previously paid. My debt was paid in XX/XX/XXXX and XXXX submitted it as unpaid in XX/XX/XXXX affecting my stellar credit. I have filed disputes with each of the agencies, XXXX, Equifax and XXXX. XXXX immediately removed the false report, however XXXX and Equifax completed the investigation that the item was legitimate. I contacted both XXXX and XXXX XXXX and provided proof the account was settled and never should have gone to collections. I provided that to both XXXX and Equifax but they failed to rectify my credit and remove the erroneous collection item. This never should have gone to collections in the first place and I wasn't even notified and just happen to find this on my credit report. Further, there should be some consequence to the collection and credit reporting agencies for knowingly reporting false information. 
I have attached documentation of my XXXX bills showing the charge on my XX/XX/XXXX statement and it was paid in XXXX but the account was submitted to collections in XX/XX/XXXX. I provided this all to the credit agencies and the collection agency but they continue to fail to correct this.

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: PA

Complaint narrative:
I have been calling torrid comenity bank for two weeks now to report a lost card and make a payment and they wont answer the phone. Their automated message hangs up and does not let you speak to anyone. They claim its system maintenance, however their online website is not working or accepting payments. The card is lost and the payment is due on XX/XX/XXXX but they will not accept online payments, will not answer the phone to make a payment and I have no way to access any of my information. I mailed a payment as there are no other means to contact them and the mail has been undeliverable. They should be forced to fix their system or at least answer the phone. I have a feeling they are going to try to nab late fees on people when it is no fault of our own they completely left us abandoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Med 1 solution obtain garnishment order without notifying me of a court date. I got a copy from my work after questioning the deduction ( attached below ). This account is paid in full and has been closed and removed from my credit report. I have spoke to them twice and requested debt verification and my address. I have also mailed a letter to them requesting this information. They are currently garnishing my wages for a account that is closed.

Company response to consumer: Closed with explanation