vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: FL

Complaint narrative:
Attached report I have Several Fraudulent accounts opened in my name, alone with several inquires that I didnt authorize.. I disputed with the consumer reporting agency.with no results.. Also im the middle of figuring out how to add temporary freezes to my report.. Ive file an identity thief report..The accounts are listed below CREDIT XXXXXXXX XXXX XXXX  LATE PAYMENT Balance {$420.00} Updated on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX LATE PAYMENT Balance XXXX Updated on XX/XX/XXXX XXXX Link card name|What 's this? 
LATE PAYMENT Balance {$380.00} Updated on XX/XX/XXXX XXXX XXXXXXXX Link card name LATE PAYMENT Balance {$320.00} Updated on XX/XX/XXXXXXXX XXXX XXXX XXXX  BANK Link card name LATE PAYMENT Balance {$600.00} Updated on XX/XX/XXXX XXXX XXXX XXXX Link card name LATE PAYMENT Balance {$16.00} Updated on XX/XX/XXXXXXXX XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX 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 2022-09-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please delete the XXXX XXXX Accounts ending in XXXX and XXXX from my consumer report. I am choosing to opt out of further reporting as this account is private and nonpublic information that should not be reporting to non-affiliated third-party agencies pursuant to 15 USC 6802 . In addition, pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit shall be EXCLUDED from a consumer report.

The Gram Leach Bliley Act states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. 
( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2022-09-02 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: NY

Complaint narrative:
My issue is with my BJs credit card from Comenity Capital Bank. The credit card rewards program is 5 % back on most BJs in store purchases. For several years, the program worked great. Every {$200.00} spent, I would see a {$10.00} award to apply to my next purchase. This all changed in XX/XX/2022. Since XXXX, I have not been getting any rewards. I reached out to the bank on several occasions. They admit they are working on it. Updating their system is what they say. But this has been going on for over 2 months. My awards are being held hostage, and the customer service keeps stringing me along saying we will have this corrected by x date but nothing happens. I have called the BJs membership customer service line. They too are perplexed and frustrated and have heard hundreds of the same complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was informed of a credit card appplication made using my social security number with Bank of America. I reported the fraud to Bof A

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 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
Hello, I have been contacting Heartland ECSI via their website and contact number but no one returns my phone calls. I am currently unemployed and will need to reduce my monthly payment, the loan I have is a Perkins loan and I am currently submitting PSLF Loan Forgiveness waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/2022 at XXXX I received an email from Bank of America to confirm my email account. At XXXX I received an email from Bank of America that an online application was in progress for me to open an XXXX XXXX Banking Account. I did not attempt to open this account. There was nowhere on the email for me to deny opening that account. I have spent 3 hours on the phone, mostly on hold, with Bank of America to report this fraud. I keep getting transferred to different departments and being placed on hold between each transfer. On some of the transfers, the automated system will end the call because I do not have an account number. I am currently on hold after being transferred to sales and being refused to talk to a manager, I was again put on hold to reach the checking account fraud department.

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 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
The credit card company is not handling my dispute properly. 

I reasserted the dispute on XX/XX/XXXX and sent documentation to show improper billing/service not provided/received. 

On XX/XX/XXXX I called to check on status of dispute and was notified the dispute was still open/pending. 

I requested a call back from a supervisor to confirm the documentation I had submitted was sufficient and to discuss the billing dispute before a final determination was made. I was informed a call back would be made within 1-5 business days and that I would be contacted before a final decision was made. 

On XX/XX/XXXX I called back because I had not received a call by the 5 day deadline ( XX/XX/XXXX ). I was notified that the case was closed on XX/XX/XXXX without a callback from a supervisor prior to final determination, as agreed.

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 2022-09-02 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have BJ 's perks MasterCard issued by Comenity Capital Bank. 
On XX/XX/2022 this account was paid in full. 
Payment posted XX/XX/2022, according to online account service. 
On XX/XX/2022 this account was reported to Credit Reporting Agencies, without reflecting this payment. 
After XX/XX/2022 reporting stopped completely. 
Today is XX/XX/2022 and my credit report still shows a balance of {$2700.00}, while balance on their website shows negative {$11.00}. 
This misreporting hurts my credit score a lot. I notified them multiple times regarding this error, by phone, thru secure messaging on their site and disputed this information with credit bureaus. 
Also they were notified that I'm applying for mortgage and this incorrect information hurts me a lot. 
Few banks declined extending mortgage to me, based on the credit score shy of just few points of threshold. 
If Comenity reported correct information in timely matter - bank would approve my mortgage. 
Additionally it hurts my business, also, since I am unable to be guarantor for new truck order, because of this BJ 's MasterCard account not being reported correctly, and lowered my score. 
It is ONLY account with balance on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My FICO Score reported on my XXXX  account decreases from XXXX XXXX XXXX without any reason from XX/XX/2022 to XX/XX/2022. 

I call Transunion today XX/XX/2022 to check what happened, and they didn't find anything harmful on my credit report that my affect my credit score that way, the only report was that I applied today for a Credit Card on XXXX XXXXXXXX that got approved, and I applied after I check my FICO score, so this is not a reason. 

The agent told me to get help on this platform.

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 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
Amsher Collections is attempting to collect a debt that is owed to them by a business I was previously employed by for a cell phone account. I have attempted to contact Amsher by phone at numbers provided and on their website which ring as if a personal phone and nobody answers. I sent email correspondence which was never replied to even attempting to settle debt that is not mine. I have requested debt validation which was never received. They have told me to call original creditor who then tells me to call collections agency so I am unable to get in touch with anyone who can give me solid answers and provide a resolution to this credit matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted me.

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 2022-09-02 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: NY

Complaint narrative:
Im accordance with the fair credit act XXXX XXXX Transunion has violated my rights. The following address needs to be removed from my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There were two payments that were made through XXXX in my banking account ( {$350.00} and {$150.00} ) for a product on XXXX XXXXXX/XX/XXXX, which ended being a scam in the end. I have tried talking to the Chase bank about this but I was told that there was nothing that they could do to help me or assist in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: NY

Complaint narrative:
Im accordance with the fair credit act XXXX Equifax XXXX has violated my rights. The following address needs to be removed from my credit profile.XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im accordance with the fair credit act Experian XXXX XXXX has violated my rights. The following address needs to be removed from my credit XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: DriveTime
State: LA

Complaint narrative:
Ive already tried to dispute is but their saying a authorized the credit pull which I didnt. I dont even own a car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : 1. XXXX XXXXXXXX XXXX  XXXX account number XXXX. Delinquent 2. Amex  : account number XXXX. Delinquent 3. XXXX XXXXXXXX XXXX : no account number shown on the credit report 4. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-02 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: CA

Complaint narrative:
In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX Bank XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX of XXXX XXXX account XXXX account XXXX Equifax account XXXX XXXX XXXX  XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX FNB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for a Purchase Payment Plan with Chase XXXX. I agreed to a XXXX payment plan with a fixed monthly interest fee. However, after making several payments, along with payments for other purchases on my monthly statement, I began receiving interest fees, and the balance on my remaining non-payment plan purchases was not going down. 
After speaking with an Escalation rep at Chase, I was informed that additional funds from my payments were being applied to my fixed Payment Plan WITHOUT MY KNOWLEDGE OR CONSENT. This was preventing my outstanding balance for current purchases from being reduced, therefore incurring interest charges. 
Upon further review with the Escalation rep at Chase, I'm told that ANY credit that appears on my statement goes directly towards the Interest Savings Balance, including my fixed Purchase Plan. Therefore, after only making 3 payments in a XXXX plan, I now only have a remaining balance of less than 2 payments instead of 9, despite paying a fixed interest amount for 1 year. 
In other words, DO NOT ENROLL IN CHASE 'S PURCHASE PLAN. You will be charged a fixed interest rate for your payment plan, in addition to any additional interest accrued for other purchases that aren't being paid in your statement payment because Chase will apply any credit amount you receive to this payment plan BEFORE applying it to your credit balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
In XX/XX/2021, send a money order to be applied to the account balance. XXXX XXXX received the money order but it was lost or something they could never apply. I made several calls to verify the status of it, they tell me that they have evidence that they received it and that they opened an investigation to resolve the situation. give me the credit during the investigation. then they send me a letter to let me know they didn't find the payment and recharge my card. I have done about 3 to 4 investigations, I send the evidence of the transfer, I call to follow up and he answers the same. they threw away the money order and want to make me responsible for the amount of {$240.00}.

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