vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have had this card for 4 years and last few years Ive had personal stuff going on that resulted in a injury and time off work. I contacted NFCu both times letting them know my circumstances even after I told them I kept trying to make my payments. I even had it to where I was only XXXX over the limit. Right when I paid my payment the interest hit again resulting in my payment making no impact. Which it has done continuously. 
They then told me they would work w me however the interest still hit resulting in over XXXX a month payments. Which was hard to do given being on workers comp and off work for an injury. 
They then promised they would lower my payment and keep my card open. However after that was promised they turned around and closed my card saying that my payments were missed in the past and they couldnt keep it open. Yes it was missed but thats why I contacted them to work w them. They lie non stop and promise customers that they would work w them when in general they over draw your acct more by tagging on more interest to the point that you are now over the limit by XXXX. They also asked me to pay XXXX a month on this cc. 
Not to mention being harassed two to three times a day w phone calls. Its ridiculous. Then you get threatened for being sued, credit reporting and so on. 
I have tried several times to work things out w NFCU but they are impossible. Even with XXXX hitting and me being on XXXX XXXX for a year they didnt even work w me. 
I would like help on this. I now owe XXXX on a XXXX cc w them. They guaranteed my card would stay open and lied about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Credit Card Due Date is the XXXX of each month, I made a payment on the XXXX to keep the account current. On the XXXX of that same month, I paid the entire balance off. The credit card company charged me interest on the prior balance for the entire 30 days on the next billing cycle. 
When I contacted the credit card company and explained they stated that they charge interest on the balance for the entire XXXX cycle, I explained that interest should only be charged from the XXXX to the XXXX when I paid the balance off. 
I tried to escalate internally but and reached a supervisor, this individual did not help, when I asked to file a case to have this reviewed they stated that there is no case to be filed. I asked to speak to their supervisor but was told that they do not have a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 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: IL

Complaint narrative:
the attached document is proof that XXXX XXXX should be removed from my report ASAP. 

Along with XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX and 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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
Advance America has been contacting me 3-4 times/week about somebody else 's debt. The calls are robo calls, following the prompts to have them quit calling apparently is not working as the call just hangs up. Most of the calls go to voicemail, and have about 15 of them for just XXXX. I've answered a few of them also hoping to speak to somebody but normally the call hangs up. 
The messages are the same : " This is a message for ( person ) if you are not ( person ) please hang up. There will now be a short pause in this message to allow you to take the system off speaker is necessary. This is advance america calling about your outstanding loan please call us back at XXXX or text us at XXXX to take advantage of an offer or to opt out of future offers ... '' Calls from them have come from : XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Barclay 's Bank of Delaware accessed my credit report twice in the same day in response to a legitimate credit line increase request. I already had 1 inquiry in the previous 2 years which was legitimate. Barclay 's negligent and tortious actions have resulted in a total of 3 inquiries on my report which has harmed my credit score as the range of acceptable inquiries is 1-2 for " good ''. Their actions have pushed me into the 3-5 range which is " average ''. I have emailed their customer service inbox with a screenshot of the error and their response was to log into my online account and submit in inquiry in the message center. I have done so twice and only received canned responses which do not address my complaint. This is not the first time this institution has ignored or dismissed my valid disputes. In 2015, my account number was compromised and there were fraudulent charges on my card which Barclay informed me I had to pay for until they completed their investigation at which point they " may '' refund the charges. They only took the fraudulent charges off after I went to their facebook page and posted the message exchange.

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 2021-12-29 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY. THESE ACCOUNTS ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
IC System Inc ( on behalf of XXXX XXXX ) posted a derogatory collection notice on my credit report in the amount of {$59.00}. No one has tried to contact me about this previously and I have no accounts with either IC System or XXXX XXXX, so this fraudulent claim must 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 explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I have sent TD Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate this account from my credit reports as it is my father 's who died in XX/XX/2021. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged this account so to add extra length to a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
the attached document is proof that XXXX XXXX should be removed from my report ASAP. 

Along with XXXX XXXX, XXXX, XXXX XXXX XXXX and 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 2021-12-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian refuses to update my account with XXXX as I've sent them a settlement letter which they've acknowledged on a recorded line that they've received it. As well I sent a statement showing that amount was paid, Experian then on a recorded line stated they came to the determination that even though I sent in a settlement of debt letter and also a statement showing the payment and creditor that it wasn't enough to have the account updated then proceeded to tell me that I needed more " proof '' to submit a dispute but there isn't anything more " proof '' worthy then a bank statement and settlement letter, they state that they sided with XXXX info that information was correct and no updated was done.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
The charge on XXXX XXXX for XXXX XXXX on XX/XX/2021 for {$79.00} did not earn 6x points for spending the card at a XXXX XXXX. A case was opened and on XX/XX/XXXX I live talked with one of the agent on amex website and the agent said that this charge is a valid XXXX merchant. However the agent on XX/XX/XXXX saying that I will not earn 6x points on the purchase. 
The charge on XXXX XXXX for XXXX on XX/XX/XXXX I received the bonus 14x points for spending the card at a XXXX XXXX. However I still have not received the {$250.00} XXXX resort credit for this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I took out a loan on my XXXX through PNC bank. When I left employment with PNC on XX/XX/XXXX, I was given a letter with instructions to pay off the remaining balance with a due date of XX/XX/XXXX. There was not an ability to repay the XXXX loan via electronic transfer of funds, and the form had instructions to follow ( attached ). 
Following the instructions, I remitted a Cashier 's Check drawn on a PNC bank with PNC INcentive savings plan as the payee in the amount of {$28000.00}. The official check number on XX/XX/XXXX. I then sent the check with the documentation via USPS tracking #. The tracking numbers indicate that my check and its contents were delivered on XX/XX/XXXX. This was two weeks in advance of the XX/XX/XXXX due date. 

I contacted PNC on XXXX and on XXXX as the online account was not reflecting repayment of the loan. I was advised on XXXX that the item was received and an image was present on the account, and that the payoff would take a few days to clear, which seemed reasonable. 

I contacted PNC again on XXXX and was told a different story. This time i was told that they only process the check on the due date on XX/XX/XXXX, and that it would not post early. 

I contacted PNC again on XX/XX/XXXX and was told that it could take up to a week to reflect on the account. 

I contacted PNC again on XX/XX/XXXX because I received a notice of loan foreclosure for non-payment as well as notification that the IRS would be receiving a 1099R for the amount of the loan default. I was advised a different story again- i was not given a number to call them back directly. I spoke with a supervisor XXXX ( no last name given, no direct call back number given when asked ), who advised that he could see the funds received but it was never reviewed and therefore funds not posted. He promised me resoltion. 

I contacted PNC today XX/XX/XXXX and no activity other than a case # has been taken on my account. This is beyond the pale. PNC has had my loan repayment for 30 days, has not processed it, and this is costing me lost earnings on my money, but more importantly potential tax liability issues with the federal government. PNC has a duty to process my funds timely. 

I have photographs and copies of all documentation and tracking num

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY. THESE ACCOUNTS ARE FRAUDULENT.

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 2021-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY. THESE ACCOUNTS ARE FRAUDULENT.

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 2021-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per 15 U.S.C. 1681G I have noticed incorrect information being reported on my credit report and account that have no contracts on my account that needs immediate deletion

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 2021-12-29 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: NE

Complaint narrative:
I called Transunion today about several inquiries on my credit report that I did not give written authorization to furnish pursuant to 15 U.S.C. 1681b. ( 2 ). XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Spoke with several agents and transferred to supervisor ( s ) over several calls. All parties relayed the same company policy which does not supersede Federal Law, that the consumer needs to investigate each inquiry with each financial institution, and mail a letter to Transunion in order to prove that I did not give permissible purpose. I was hung up on 3 times by 3 different supervisors, XXXX, XXXX, & XXXX XXXX while trying to exercise my rights under the FCRA. Regardless of attachment to open or closed accounts, they have no written permission to furnish those inquiries. I recorded all calls as they indicated they did.

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 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
There is another account listed with this debt collection agency that came under my credit today that cost me another XXXX points. I do not owe this bill this is not my account I never had XXXX. Is has no account number listed. 
SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/2021 {$630.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX Report info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2021, I made a purchase at XXXX in XXXX Oregon for. {$37.00}. 

I am contesting the transaction # XXXX for {$180.00}. appeared on my bank statement XX/XX/2021. This transaction was not made by me. We called the store and let them know.l and the store called us back and said they have the people on camera making this purchase. Apparently the cashier did not close out the card so the following person or persons were able to make the purchase on my card. I reported this to the bank and they denied my claim and will not reverse the {$180.00} charge. A proper investigation was not conducted as XXXX said they have these individuals on camera. I absolutely did not make this purchase and want it reversed and the funds returned to my account. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Cares act letter attached, Late payment was reported in 2020 during the pandemic and it needs to be changed.

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 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2021, I received a notification from my credit monitoring services stating that a new collections account had been added to my credit report. I had no previous knowledge of this assumed debt. I was never sent any written notification regarding this assumed debt which is a violation of my rights as a consumer according to the Fair Debt Collections Practices Act. The assumed debt reported to the credit reporting agencies was by a company called Consumer Adjustment which I have never heard of nor have I ever received any written communication. I have no knowledge of the alleged owed debt of {$660.00} stating as owed to XXXXXXXX XXXX Hospital which they have named as the " Original Creditor. '' According to Consumer Adjustment, this alleged debt was supposedly opened on XX/XX/2021. I do not accept and has never accepted any offers to contract with this entity and I demand that any and all negative reporting which they have made to credit reporting agencies be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per 15 U.S.C. 1681G I have noticed incorrect information being reported on my credit report and account that have no contracts on my account that needs immediate deletion

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 2021-12-29 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: TX

Complaint narrative:
Per 15 U.S.C. 1681G I have noticed incorrect information being reported on my credit report and account that have no contracts on my account that needs immediate deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This is the sixth time that I am filing a complaint about the same issue. I have also filed a complaint to the Office of Comptroller of the Currency as a result of the noncompliance and the abuse done to me as the consumer. Discover is willfully and negligently not complying pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. My account has been closed under false pretenses. I began to dispute an unlawful inquiry made by Discover. Discover was the one who committed fraud and identity theft when pulling my social security and using my open end credit plan to open my credit card account. Near two years later, I found this violation of identity theft and fraud. My identity was stolen and then a finance charge was made to do the paperwork for opening my credit card equal to the amount of credit that was extended. I already requested paperwork to show the original creditor of the transaction, which is me. My credit gives Discover 's corporation life. The request for this information was covered up with documents that had nothing to do with my request. Discover knows that they are in the wrong here, and I as a natural person and consumer am protected by Congress and the laws under the Consumer Protection. In addition to this violation, Discover is wrongly attempting to collect the remaining balance on the account that was closed. Pursuant to 15 U.S. Code 1692, Discover is misrepresenting me as the consumer and using abusive debt collection practices to collect the remaining balance on my account. Pursuant to Civil Liability sections 15 U.S. Code 1640, 15 U.S. Code 1611, and 15 U.S. Code 1692k, Discover is liable to compensate me with monetary remedy.

Company response to consumer: Closed with explanation