vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Bread Financial ( formerly Comenity Bank ) online bank services have been inaccessible to everyone for over a week straight now ( XX/XX/22 - XX/XX/22 ). I, along with others, have been unable to view any charges and transactions history in any of my credit cards that I have with this banking institution. This appears to be in violation of the terms of their services to their consumers. I am also unable to make payments on any of those credit cards. This will hurt my credit. The bank has stated that they are " currently undergoing a planned system update that has taken longer than expected. '' However, they did not announce this update to its users and are not being transparent about what is taking place. I am the one who has to has to suffer and potentially incur fees and penalties for their mistakes.

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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought an upgraded airline meal, on XXXX XXXX. The meal did not resemble anything like what the airline had advertised. It was advertised as a luxury meal and looked like pig slop. So I never received what I bought. XXXX has so far not given refund, and Chase credit cards refuses to resolve, claiming I received what I paid for, because they appear to not even look at pictures sent in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
GUARANTEED XXXX XXXX ASSUMEND OR BOUGHT MY MORTGAGE ON XX/XX/2022, AFTER I CLOSED ESCROW ON XX/XX/XXXX. I APPLIED IN ESCROW TO MAKE BI-MONTHLY PAYMENTS, IT WAS NEVER SET UP SO. AFTER I MAILED IN MY FIRST MONTHLY PAYEMENT I CALLED THEM & REQUESTED BI-MONTHLY PAYMENTS. THE NEXT MONTH I MAILED IN THE PAYMENT AGAIN & IN XXXX ANOTHER PAYMENT. I CALLED THEM AND ASKED THEM WHY WASENT I PUT ON BI=MONTHLY PAYMENTS? THERE ANSWER WAS IT CAN TAKE UP TO 2 MONTHS. 
COME XX/XX/XXXX, I RECEIVE A DELINQUIT NOTICE AND ALSO A LETTER FROM XXXX XXXX, XXXX, TX STATING THEY WILL BE MY NEW MORTGAGE COMPANY XXXX ON BEHALF OF XXXX XXXX, XXXX  EFFECTIVE XX/XX/2022 XXXX I CALLED GUARANTEED XX/XX/XXXX, & TALKED TO A XXXX XXXX XXXX IN CUSTOMER RELATIONS & ASKED HIM WHY THEY NEVER TOOK OUT THE BI=WEELY PAYMENYS & ALSO WHY AM I BEING CHARGED A DELINQUINT LATE FEE OF {$17.00}? HE STATED BC THEY NEVER RECEIVED THE PAPERWORK FOR THE BI-WEEKLY WIITHDRAWLS BUT HE WILL RECIND THE LATE FEE. 
TODAY SINCE I OWE THEM FOR XXXX I SENT THEM IN MY PAYMENT OF {$690.00} THEN SINCE THEY SOLD MY MORTGAGE I ALSO MAILED A CHECK OF {$690.00} TO XXXX & REQUESTED THEM TO MAIL ME THE PAPERWORK TO BE PUT ON AUTOMATIC BI-WEEKLY WITHDRAWLS. SINCE XXXX TOLD ME AS OF XX/XX/2022 MY MORTGAGE # XXXX WILL BE IN EFFECT I OWED GUANTEED FOR XXXX SO I JUST SENT THEM THAT CHECK & SINCE I WILL OWE XXXX FOR XXXX I ALSO SENT THEM 1 CHECK FOR {$690.00}. 
I WAS NEVER TOLD OR RECEIVED ANY MAIL OR PAYMENT COUPONS OR BOOKS, OR NOTIFIVATIONS FROM GUARANTEED UNTIL NEAR THE END OF THE MONTH STATING I WAS DELINQUINT & TO MAKE A PAYMENT NOW. 
GUARANTEED RATE LETTER WAS MARKED XX/XX/2022 & I RECIEVED IT ON XX/XX/2022 BUT WHEN I MAILED IN A PAYMENT IT WAS WITHDRAWN 3 DAYS AFTER MAILING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Commencing on or from the XXXX of XX/XX/2021 through the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing PNC Financial Services Group services

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: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: HI

Complaint narrative:
Misuse of credit by several cc companies .. credit / debt sold to unauthorized corporations .. reporting is very off .. amounts owed and consumer fraud by cc companies as my SS number has been sold without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Atlantica, LLC
State: HI

Complaint narrative:
Misuse of credit by several cc companies .. credit / debt sold to unauthorized corporations .. reporting is very off .. amounts owed and consumer fraud by cc companies as my SS number has been sold without my consent

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a complaint against Equifax number XXXX, regarding their stall tactics and blatant refusal to provide me with my full consumer credit file disclosure. Equifax responded once again with a false and misleading statement about me disputing information on my consumer credit file and how they conducted an investigation. Which again, I never disputed information on my consumer credit file, I demanded my full consumer credit file disclosure. Equifax continues being deceptive and remains in violation of my federally protected consumer rights. I will be putting my state 's attorney general on notice.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been disputing my credit report for over ten years. My complaint are agaisnt the three credit bureaus XXXX, Experian, XXXX :!. ) reporting Inaccurate history 2. ) Failure to not report disputed iteams 3. ) Refusal to correct information after proof has been giving 4. ) Abusive calling of collection agencies 5. ) being harassed by collection agency. 
XXXX XXXX XXXX ( XXXX & XXXX, XXXX ), states I owe them {$7000.00} for a vehicle I was a cosigner on. The vehicle was sold at acution, I had another vehicle that was repossed and sold at acution, they sent me a 1099-G. XXXX XXXX ( XXXX XXXX ) says I owe them {$160.00} for car insurance that I did not have with them. I am tired of playing this game with the three credit bureaus and collection agencies. I can ; t get a home, a car or live life at XXXX because of mis reporting and misconduct towards my credit ENOUGH

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: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied for a personal loan with discover on XX/XX/XXXX. I was prequalified and was told in order to accept the loan they need todo a hard credit check. They did and I was approved ; I provided all the information I needed and was told within 24-48 hours I would receive an email to accept the loan. A couple hours later I checked the application status and it said I wasnt approved for the loan. I called and was told its a glitch in the system and give them 24-48 hours to fix it. I kept calling and was being told differently every time. I call on XX/XX/XXXX and was told its because my credit reports are frozen the problem occurred and I need to unfreeze them to proceed with the process ; I asked will it be another hard inquiry and was told no by XXXX XXXX. However I am seeing multiple hard inquiries from Discover. Its been 7 days and I am still waiting on an answer from them. This is unethical and I need discover to remove these hard inquiries and provide the proper reasoning behind the delay in processing.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
XXXX XXXX PORTFOLIO RC XXXX XXXX  XX/XX/22 RE : We have already disputed these accounts.

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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX DISCOVER BANK XX/XX/22 RE : We have already disputed these accounts.

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: DE

Complaint narrative:
I have been trying for several days to log in to the Comenity website to pay my Credit Card bill. Their site will not let me log in. This is a wide spread problem, there are many customers that can not log in either. Our credit cards are being declined as well. If you attempt to call customer service, it will not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK
State: NJ

Complaint narrative:
Commencing on or about XXXX of XX/XX/2021 and XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX, with the design, development, manufacture, promotion, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX XXXX XXXX account via wire in the total amount of XXXX USD utilizing your services Scammers Account Number : XXXX

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

Complaint narrative:
I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance

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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have proof that my payment was made many days prior ( 9 days ) however, XXXX XXXX XXXX delayed sending the payment out to Chase. 
Unfortunately, I am the middle whos Credit report is affected. Please take a look at the timing of the payments that were deducted from my personal account. Thats date was XX/XX/XXXX. 
XXXX XXXX XXXX excuse that was explained to me was that they couldnt send it in a timely manner the due to the fact that the chase due date fell on a weekend. How is that my problem? 
It was only my responsibility as the customer to make that payment XXXX XXXX XXXX in enough time so that the process can take place. And thats exactly what I did. 

As a matter of fact, I started the process on XXXX XXXX weeks prior before the chase due date of the XXXX. 

But for reason unknown to me, Chase kept denying the payment and the program, and the 2 companies couldnt agree on the terms. 
Unfortunately, Im the person who has to bear the weight of a mistake that XXXX XXXX XXXX made. Whether or not it was a mistake, the bottom line is it affected my credit in a negative way. 

As you can see, my payment history is stellar, and as a veteran, this 30 day error prevents me from obtaining my VA loan.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance

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: NJ

Complaint narrative:
My 2 store credit cards ( Express, Victoria 's Secret ) through Comenity have been inaccessible for almost 1 solid week now. When you go to their websites, you are unable to log in to view ANYTHING or make a payment. Nothing, absolutely nothing. If you call, their recordings say they can't do anything/closed/unable to assist/etc.

I have balances on both cards. But I don't know WHAT those balances are and have no way to make payments. My due dates are XX/XX/XXXX. 

When you reach out to them on social media for assistance, they say they're in a scheduled maintenance period and sorry for the inconvenience. They did not notify ANYONE of this so-called scheduled maintenance. NO ONE. And when you ask when it will be back, they don't give you any info. If you ask if they will be waiving late fees, etc, they don't answer. I have seen others say Comenity has reported them to the credit bureau for overdue payments during this.

This is unacceptable, unprofessional, and WRONG. I have a beautiful credit score and history that is going to get violated because of this. I just want answers from them! I want to know when I will have access again! They're lying and hiding information. I am so stressed out! A WEEK!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Starting on XX/XX/XXXX, I received several small debits from ( XXXX XXXX ) and ( XXXX ). I do not have an XXXX Account. A phone number was listed next to the transaction : ( XXXX ) XXXX When you call that number, you can not speak to anyone and it directs you to the real XXXX billing. 
After doing a web search of this number, I saw that many others were scammed by this scheme going back to XXXX. 
Conclusion : Someone created a " Phony '' XXXX company and has somehow been able to find people 's debit cards. 
I use Citizens Bank. 
This is my 3rd debit card scam this year. I have other scams from fake XXXX account charges and XXXX XXXX. My banks have reimbursed me for these scams. We need a pro-active investigation into these scams. I had notified the XXXX XXXX fraud team.

Company response to consumer: Closed with explanation