vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. XXXX representatives verified this account is under my name. Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one issued a credit card to me with a credit line of {$300.00}. I have made frequent, timely payments of the entire balance owed each month. This is necessary because the credit limit is so ridiculously low that using the card actually hurts my credit. One trip to the grocery store and a tank of gas puts my balance over 50 % of my available credit, lowering my credit score. 

I requested a credit increase last XXXX and was rejected using outdated information from an XXXX  report from XXXX, instead of my score at the time of the request. I was told I would need to apply for a new card because capitol one would not do a hard inquiry of my credit report otherwise. I applied for a new card and was issued an identical card with the same credit limit of {$300.00}, instead of increasing the limit on the 1st card. 

On the XX/XX/XXXX and XX/XX/XXXX, my card was declined for a {$4.00} cup of coffee and a {$2.00} charge, even though my card had a XXXX balance and a {$7.00} reward credit. 

My last payment of the entire balance was made on XX/XX/XXXX and posted to my capital one account XX/XX/XXXX. When I called to see why I was unable to use my card for 15 days/half of the month after capital one posted my payment to my card, I was told by the customer service rep and her supervisor that a 26 day hold had been placed on my card. They refused to say why I was unable to use my card for all but 4 days of the month, and was told my card member agreement and state & federal law creditors to place a hold on accounts indefinitely. There is no regulated, specified time limit for verifying that a payment has been received. None of my payments have been returned. I have made numerous payments a month, of the entire balance owed, for aproximately 1 year. 

It is completely unreasonable to believe that it takes 26 days to verify receipt of an ACH payment. Had the specific number of days a hold might be placed been listed in the card member agreement, I never would have agreed. 

The supervisor I spoke to stated she can not override this setting and I'll have access to the card sometime in XXXX! I believe they are engaging in fraudulent practices by receiving payment, posting the received payment in my account history, yet restricting access to the card stating they are not sure if the payment has been received. This {$300.00} account is clearly not a high risk account for capital one and this practice are harmful to consumers. 

The acct shows that I have XXXX available credit, XXXX balance due and {$7.00} reward credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested XXXX XXXX XXXX XXXX to fix my credit we have made payments on time and they are still showing missed credit payments

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 2023-05-03 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: FL

Complaint narrative:
I am writing to file a complaint regarding an inaccurate late payment reporting on my XXXX XXXX  account by Experian. Specifically, Experian is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. 

On XX/XX/XXXX, I made a payment of {$390.00} to XXXX XXXX  for my car loan. However, the next statement generated by XXXX XXXX  showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX on XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to XXXX XXXX Therefore, this late payment is not reporting accurately, as the payment to XXXX XXXX  was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from XXXX XXXX  showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from XXXX XXXX  showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.

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 2023-05-02 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: WI

Complaint narrative:
I'm in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e Compliance procedure states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agency was in compliance with this matter. 
Please delete from my report from this agency for violating compliance procedures. 
Thank you in handling this matter.

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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I entered into a repayment agreement with ARS National Services Inc. to repay XXXX XXXX XXXX Bank XXXX XXXX the amount of {$25.00} a month. ARS sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. ARS stopped sending the reminders on this account and will not tell me the status of the XXXX 's account. I have asked ARS for an accounting. ARS representatives are unable to locate the account under their specific reference number, the last four digits of the XXXX 's account number, or any of my personally identifiable information, including my social security number. ARS representatives indicated that XXXX is the holder of XXXX 's accounts and advised me to contact XXXX. Representatives at XXXX could not find the XXXX 's account number referenced on the ARS monthly reminders for which I have paid {$25.00} monthly for over 4 years. 

I have another XXXX 's account that I am paying monthly to ARS, which began in XX/XX/XXXX. ARS is still sending monthly reminders on this account. ARS representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular XXXX 's account. ARS representatives indicated that this is the only account they have serviced. XXXX representatives verified this account is under my name. 

Monthly reminders on both XXXX 's accounts are attached to this complaint as evidence that ARS was withdrawing funds for both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX Ive submitted letters to the credit bureaus to provide me with verification of the accounts in question ( XXXX, XXXX XXXX ), which they have failed to provide me with any information. 
On XXXX XXXX Ive submitted letters to Transunion to remove all unrecognizable hard inquiries that I have no knowledge of and to provide me with any information of my consent to these accounts.Theyve yet to provide me with information on the accounts.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a BJs warehouse credit card and cancelled the BJ membership. At the same time, BJs switched banks to Capital One and somewhere in the change, Capital One was not aware that my membership was cancelled. As such, Capital One billed me for the membership fees. I called Capital One who stated they did not have a record of my cancellation. I sent documents and communications to no avail.

Now my credit score is being negatively impacted by this mess.
I even called both Capital One and Bjs in a XXXX way call to handle this matter, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
My stepdad and a friend wrote me a check for my post-elopement celebration on XX/XX/XXXX, while most others XXXX 'd or used other methods. My stepdad wrote me a check for {$2600.00} while my friend wrote me one for {$200.00}. I deposited both checks electronically and discarded both. Chase froze my account while they verified the checks. After 14 days, Chase notified me that they would be closing my checking account because they couldn't verify the checks. I didn't feel comfortable providing them the phone number of my stepdad or my friend as Chase informed me I had to. After the accounts were closed, I thought I would have the checks returned to the senders. I waited from news from my stepdad and friend about receiving the funds back, but nothing. Finally, Chase said they would hold my checks indefinitely until they verified. My friend called her bank to cancel the check and said she could just XXXX me the money, but her bank said that the check cleared and had already been deposited so it could not be returned. I finally gave them both the number of my friend and my stepdad. They " verified '' my friend 's after calling Chase about 3 times for this. They notified me they couldn't give me the {$200.00} check because it was now " linked '' to the {$2600.00} check. I gave them my stepdad 's number, and that couldn't be verified. Chase somehow got my mom 's number, even though they're not in the same phone plan. They said they would call my mom 's number to verify. My stepdad was out of town so my mom answered, and told them to call this week. I called Chase yesterday, XX/XX/XXXX, to verify they would call my mom 's number today, XX/XX/XXXX. Today, XXXX said they couldn't " verify '' neither my stepdad 's nor my mom 's number as it belonging to him. My stepdad lives in XXXX  and I live in XXXX, so we can't go to the bank in person to verify, according to XXXX. I have a call history that I have been on the phone with XXXX every week at least twice a week since end of XX/XX/XXXX trying to solve this issue. I still don't have the total of {$2800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
As I looked on my consumer report I noticed some inquires that werent authorized. I have mailed out this letter attached with all the inquires that werent authorized. By 15 U.S.C 1681b ( c ) permissible purpose. Immediately remove these inquires as they have cause damage to my consumer file and has delayed in my family and I to obtain goods.

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 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I recently viewed my credit report and noticed a collection account, from a company that I am not familiar with, NCB MANAGEMENT.. I tried to contact the original creditor,XXXX XXXX XXXX but to no avail. 
Not only do I not know of the original creditor, but I also received no formal communication, in regards to the debt, right to dispute the debt, or to rights to request the validation of the debt. It only appeared on my credit report. 
As I have a fraud alert on my credit report, I was not made aware by the bureaus of any inquiries made or new accounts added to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XXXX XX/XX/XXXX at XXXX I received a call from someone posing as Wells Fargo fraud , they state they detected fraudulent charges they were concerned about and then procede to help close debit card and open new debit card, they receive acount details and order new card XXXX XX/XX/XXXX they add new card to XXXX XXXX, with proof that it wasn't from my phone or number -XXXX  XXXX fraudulent transactions made to " XXXX XXXX '' 1 in the amount of {$10.00} and the second XXXX and supposedly declined according to Wells Fargo email, receive email notifying me card is being shipped ( same card used to make transactions, vendor says card and chip were present how when its just now being shipped? ) -XXXX  XXXX charge is noticed and claim is made, changed account numbers and cards Attached photos show XXXX XXXX and mobile account links with Wells Fargo come from phone that isn't mine Show the initial call from fraudsters either working in or using Wells Fargo cust service number Show card being shipped the day after it was supposedly used to make transaction, according to Wells Fargo investigation that's what the merchant said card was present, clearly XXXX XXXX was used

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 2023-05-03 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: DISCOVER BANK
State: NY

Complaint narrative:
I was charged by XXXX XXXX for a renewing membership of something I no longer use. The card they used expired in 2019 and doesnt even have the correct address information. They refused to help me when I reached out. I contacted Discover ( the financial institution of said card ) and they refused to help claiming the merchant does not need accurate up to date information to charge me. How does that make sense? How are we so backwards that a company may charge my card when the information I had originally given them clearly listed XXXX  as the expiration of said card. Even on their own website it says EXPIRED in bold red letters. Discover refused to help me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CNG FINANCIAL CORPORATION
State: PA

Complaint narrative:
To whom this may concern the following check and go account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to XXXX party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Consumer adjustment co sent a collection to the credit bureaus for the amount of {$300.00} on my credit report they made illegal practices to send it to the credit bureaus such as I was not contacted not once by them they never sent me a debt validation letter which they are required by law to do they made those errors and still sent it to the credit bureaus they also illegally re aged the debt cause I never opened the account on XX/XX/2023 I mailed a letter to them which came back as delivered on XX/XX/2023 requesting proof they prove this account is mine they never replied back they had 30 days to do so now going forward this debt is no longer valid for not having proof and making the above errors and illegal mistakes in credit reporting consumer adjustment co needs to be in FCRA compliance and remove this collection immediately for what they did will attach supporting documentation including the tracking number for the letter I mailed to them plus additional details.

Company response to consumer: Closed with explanation