vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AZ

Complaint narrative:
For the past week, I have been trying to log in to my Comenity account to make a payment. I have the Children 's Place credit card which is serviced through Comenity. There is NO way to get through to them as their website says, " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' When I try to log in with my credentials, I get an error message that says, " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I have also tried to reach out via telephone using the number listed on their website and receive a message that states the same thing about ".. .undergoing a planned system update that is taking longer than expected... '' It then automatically hangs up the phone after the automated message and there is no way to speak to any sort of human contact or make any payment. 
I did a XXXX search and see that they have given the same generic automated message as an update on their XXXX, and they are not answering consumer questions regarding how they can make their payments. 
We are worried about not paying our accounts and being hit with late fees due to their negligent actions. There was no information passed on to consumers that there would be an update performed, and there is no information being passed on to consumers now about when to expect to be able to do anything regarding our 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am a victim of identity theft XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately

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: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank has been down since last week. No access to online account to make payments, check balance and card is being declined. They did not inform their customer everything would be down for more than a week and can not provide an non generic answer. This seems like they were hacked or held for ransom and are not notifying their customers. This is unacceptable!

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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
NOTE : This was the closest category I could use. It does not accurately describe the issue. 

Regarding American Express account XXXX. 

The XXXX year end summary provided me has a negative balance in the amount $ ( XXXX ). In XXXX there were charges totaling {$1100.00}. American Express therefore owes me {$310.00}. 

I have spoken to associates, supervisors, and even their executive office. They acknowledge the issue. However, they do NOTHING but send me statement copies from XXXX AND bills with new late charges. More than one supervisor has stated that they would audit my account and provide the results to me. This has not happened, and is really a moot point. They could go back to the day the account was opened XXXX XXXX  ago, and audit every month. On XX/XX/XXXX, the balance would still be negative {$1400.00}, and they would still owe me {$310.00}. 

Despite this, and despite having a dispute against they balance they THINK I owe, I have been subjected to threatening collections emails and phone calls. 

As noted, and as a last resort, I contacted their executive offices. Initially I was told that reoslution would come in three business days. The next business day, someone emailed and stated that they would contact me in four more days. On the fourth day, at the end of the day, that person emailed and stated she was not finished investigating and would be in touch " when more information was available. '' Since then I have received yet another bill, with yet another late charge.

I have repeatedly told American Express that they need to send the money they owe me. I have emailed the " executive office '' person several times and stated this. All they do is ignore me.

I believe that two things are clear : ( 1 ) American Express owes me money and ( 2 ) American Express is engaged in unfair ( and possibly illegal ) collections practices. Of course I have to wonder how many thousands of others American Express owes money to. 

I will attach the XXXX  year end statement, downloaded from the American Express website. If you total the CHARGE column ( Column E, the result will be XXXX. I have also attached a screen print, taken from the American Express website today, showing charges of {$1100.00} Please advise as to what you can do to get me my money and to stop the collections. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I have XXXX and XXXX I'm not responsible for any medical bills. I have submitted all of my policy numbers to the collections ARS ACCOUNT RESOLUTIONS and hospital billing department and they just will not remove it from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IA

Complaint narrative:
In accordance with the fair credit reporting act MOHELA/ DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.

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 card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Commenity bank ( specifically for my Victoria Secret CC ) has been down for the last couple days not allowing consumers to log on and make their payments. I had to log onto XXXX to find out that they would make special exceptions for late fees and would be lenient about charging late fees for all customers not able to pay their bill on time due to a system update. I have tried calling customer service to make the payment and their customer service line is down as well. There has been no communication to consumers about the systems going completely down and I should not have had to go on to XXXX to find this out. I am reporting this incident to make sure that a late fee will not be assessed on my account and they will not be reporting my late payment to the credit bureaus as this is commenitys fault.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. 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 instruction. Experian reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day, 60 day, & a 90 day late payment to Experian, XXXX and XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

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 ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 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.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

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 — Old information reappears or never goes away
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In 2017 we had a forberance agreement in which XXXX added two payments on the end of our loan in the mean time Carrington Mtg bought the loan and XXXX went out of business. We are trying to get a new mortgage with XXXX XXXX and they are telling us that on the credit report they are seeing a modification with Carrington which we never had and can not finish up the refinance until this is removed from our credit report in the mean time the rates just keep going up. We both have contacted Carrington Mtg and they just keep saying we do not owe anything but can not produce an agreement and will not remove from our credit report.

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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: ND

Complaint narrative:
Today ( XX/XX/2022 ), I had received a text message from Harris & Harris supposedly a debt collection firm for the State of Maryland, XXXX requesting me to pay for services. I had not received using the name, XXXX in the text message including using my official cellular telephone number XXXX to pay at " XXXX '' or click this link to pay at " XXXX XXXX XXXX ''. In which, I had not received any medical services at any of the State of Maryland, XXXX or any other services. I do not want Harris & Harris debt collector firm sending me any other fraudulent debt collection alleged text message bill when I do not live in the State of Maryland. Either do I want Harris & Harris debt collection agency placing fraudulent debt collection bill onto my credit file report.

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: TX

Complaint narrative:
Comenity Banks system is completely down. I have been unable to access my accounts to view charges or make payments. The system does not allow me to log in using my log in details. I have several credit card accounts with Comenity Bank and all of them are not accessible. They have provided a generic prerecorded message when I call they have a system outage that has lasted longer than expected. They also have a similar message on their XXXX feed. I do not know my balance, nor can I see my recent charges and I am unable to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX. This debt collector- Jefferson Capital Systems bought my debt collection from XXXX XXXX back in XXXX. I was XXXX XXXX XXXX. Every so often when I check my credit report, I can see that XXXX keeps updating the open date to a more recent date. Ive tried multiple times directly disputing it, and it does not work. This account has been sitting on my collections credit report for XXXX YEARS. XXXX will officially be 10 years. I called and spoke to collections with XXXX XXXX on XXXX, XXXX and they said the account was too old to find any information about the account even after I gave them the phone number my address and my ss #. I just recently spoke to XXXX XXXX collections again in XX/XX/XXXX to see if I could get an actually copy of the date this account was open and they said it was too old and in their eyes acts like it doesnt exist I refuse to call XXXX because I know they will re-open the account and itll stay another 10 years. I just recently started getting countless calls from XXXX attempting to collect a debt. Randomly. Or is it? This account of mine has been opened 10 years ago and was also brought to collections, 9 years ago. This is unfair and seems illegal after speaking with lawyers. The attorney I spoke to told me to file a complaint thru here before we pursue legal action against them, so this is it.

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: ND

Complaint narrative:
Hello I have a couple of promotional plans on my IDDEAL Credit Card I opened with Comenity Bank ie Bread Financial now. 
My first plan was a 12 month no interest - but if you don't pay it off all that interest is charged back to you. Well I am a week away from the 12 months being up and Comenity/Bread Financials will not allow customers access to their accounts. They have been down for multiple days and will only respond with super generic responses via XXXX and XXXX. No representatives will answer the phone and it says that you will not be able to access or make any changes to account including payments. 
So I have my 12 month promotional plan with XXXX I can't pay off and am in close proximity to the 12 months being up and I have a 60 month no interest promo that I need to set up autopay for. 
Very frustrating that we can't make any payments or see our accounts because of website maintenance that has taken multiple days with no access to their employees.

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: NC

Complaint narrative:
Experian does not allow me to upload supporting documentation for an active dispute I filed a dispute with Experian on XX/XX/2022, requesting they adjust the status of the bankruptcy from " filed '' to " discharged ''. The dispute was initiated and I was advised to upload supporting documents via www.experian.com/XXXXXXXX XXXX XXXX XXXX ). The instructions are as follows : " Please select at least one document to upload. You may upload up to five documents totaling XXXX megabytes. Accepted document formats are TIFF ( in black and white ) and PDF. '' Using XXXX XXXX as the internet browser, I attempted uploading a black & white PDF document, which was XXXX in size ( much less than the maximum XXXX allowed ). This upload attempt failed. I then tried uploading in a different browser, XXXX XXXX, which resulted in the same error message. I then tried uploading a TIFF type document in black and white, and the same error message occurred. Each time, the error message stated that the file type was either incorrect or too large. 
I called Experian to inquire as to why this was happening, as I was following the instructions closely. Experian representative said there is nothing that can be done and to just mail the supporting documents to their address in Texas. 
This is a terrible system with terrible customer service that disables the customer 's ability to efficiently submit documentation that -- is already superfluous in the first place -- other credit bureaus report accurately on. Experian needs to be held accountable for their intentionally laborious, convoluted, and stalling processes and tactics.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
Dear Madam or Sir, I am a XXXX veteran, XXXX XXXX in XXXX. 
I am a XXXX XXXX who volunteered in two counties near my home during the COVID crisis. 
I am also a holder of significant graduate loans that were held by FedLoans until recently. 

I wrote to The Office of the Ombudsman for Student Loans after reading an article outlining how many borrowers had wrongly been steered toward forbearance instead of XXXX dollar options on their programs. I was one of those borrowers. 
I had periods of unemployment and was regularly directed toward forbearance by FedLoan representative, which resulted in XXXX of dollars that I had to pay to interest/compound interest and that was not applied to my loan, thereby creating more interest on the principal held. 
I sent the letter, return receipt, in XX/XX/XXXX. The letter was received XX/XX/XXXX. I did not hear back as of last week and started making calls. I was transferred multiple times to people who could not help. A helpful agent named XXXX XXXX, in Kentucky, took my number and assigned me a case number # XXXX. 
Today, I got an email from XXXX, my new student loan holder. They've held my loans for less than 5 months and none of my payment history is on their site. 
I've looked back at FedLoans and none of my history is on their site. 
I am concerned that, like millions of other borrowers who signed on to programs that were mismanaged, I will not see the result of my diligence and the XXXX figures I've paid on my loans. 
I would appreciate your assistance in this matter. 

Very Respectfully, XXXX. XXXX Veteran, XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am a victim of identity theft XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately

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