vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Im reporting the Apartment ( XXXX XXXX XXXX XXXXXXXX XXXX ) by and the collection agency ( XXXX XXXX XXXX ) for wrongfully charging me {$1600.00} for early termination and XXXX $ for legal fees when I have in-fact not terminated my lease. I have tried to as you will find in the emails I'm uploading as supporting documents- I believe the early termination fees is a wrong claim. I moved out on the last day of my lease XX/XX/2020. They claimed they charged the fee because I did not give a notice, but since they lied about the charge I would like them to remove the charge. The reason I couldn't give a notice is that when I called them to inform of the move out they talked me into extending my lease and offered to reverse the rent increase and I agreed, hence I couldnt have given a notice ( even though I called the office to give the notice as the email will prove ). As you will find in the email I'm sending, I was asked to come in and sign a new lease. This happened during covid and the office was closed every time I went to sign the new lease. Afterwards my car was vandalised which cost me {$850.00} in repair, neighbour pulled a XXXX, dogs without leash, the XXXX in the apartment broke for XXXX and it was not fixed until 2 days to the end of the lease ( ticket completion email was provided to collection agency ), all these and more made the apartment inhabitable, which I reported but nothing was done, so I had to move to my friends apartment at the beginning of XX/XX/2020 but I did not break the lease to avoid penalties. I moved out on the last day of my lease and returned the keys but they refused to do a walkthrough yet they charged me for various things that wasnt accurate like cleaning fridge and oven. All these happened during covid and offices were closed and everyone was on locked down per government advise to prevent spread of the virus. They filled an eviction which they withdrew when I moved out on the move out date on my lease and they charged me for the eviction fees. Also they charged me for trash that wasnt mine, I sent them a photo of the apartment when I moved. The trash was put there by their maintenance guys that had come to renovate the apartment for lease, the picture showed things like paint bucket and wood used for renovation, they agreed to remove this charge but never did. I also have a deposit which was never taken out of the balance they charged. They reported this in my credit and I have tried to dispute but they two companies are trying to frustrate me by denying responsibility and when I speak to the collection agency the agents are rude and they say the charges are valid notwithstanding the facts that there was Covid and the office was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XX/XX/XXXX I was presented with an offer in the Capital One mobile app offering me 6 months of XXXX XXXX ( premium {$9.00} monthly service ) credits if I signed up. I signed up and cancelled early ( XX/XX/XXXX ). 5 months later I was presented with an identical offer stating another XXXX  months free of XXXX XXXX credits were available to me. This advertisement insinuated that this trial was available again to me for another XXXX  months. I signed up again in XX/XX/XXXX by clicking the promotional advertisement that was re-offered to me for XXXX  months free. I received my XX/XX/XXXX reimbursement of {$9.00} but never was reimbursed for XXXX, XXXX, or XX/XX/XXXX for total charges of {$29.00}. I called Capital One XX/XX/XXXX asking about this reimbursement and they informed me that I had already used the promo trial and I will be responsible for the remaining months, despite presenting a promotion insinuating that I'm eligible for another 6 months. They agreed to credit one month for {$9.00} but not the remaining months. I feel this promotion was completely misleading and false. Had they not presented it as another 6 months of the credit ( 5 months after I had already cancelled the trial ) I would never have clicked on it. I would expect them to change their promo to myself and others who have cancelled mid trial to state something like " You have 2 months remaining of credits '' and not present in a way that you have another 6 months. I'd also expect them to reimburse me for this misleading marketing. 
Capital One employee who helped and case number listed below XXXX XXXX ID XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I contacted Visa VanillaGift.com and XXXX XXXX customer service on XX/XX/2023 regarding an issue with the full 16 digit card number not fully displayed on a {$100.00} gift card I received as a gift for my birthday, and I could not activate the card because the card had been tampered with. I was unsuccessful reaching a resolution with Visa Vanillagift.com or XXXX XXXX because I was told there was nothing that could be done if I was not the original purchaser of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
In early XX/XX/2023, NewRez, LLC purchased my mortgage from XXXX XXXX XXXX. At the same time, I changed my home insurance provider from XXXX ( XXXX ) to XXXX XXXX. NewRez was notified of this change but failed to update their records. Consequently, they did not make the insurance premium payment to XXXX. 

My insurance agent, XXXX XXXX, reached out to NewRez multiple times in XXXX and was assured that the payment to XXXX would be made on time. However, the payment was never made. On XX/XX/XXXX, XXXX and I contacted NewRez in a three-way call, informing them that they needed to make an overnight payment to XXXX to prevent the insurance policy from lapsing. NewRez agreed and apologized for their mistake. When XXXX inquired why this happened, they explained that they were too busy due to their recent loan acquisitions. 

It is now XX/XX/XXXX, and XXXX has not received the " overnight payment. '' XXXX contacted NewRez and received a check confirmation number : XXXX, and was informed that the payment had been made. However, when I contacted NewRez separately, I was told that an ACH payment had been made with the reference number XXXX. XXXX XXXX says that NO PAYMENT has been received. 

Today, I paid the insurance premium myself since the policy had been canceled. My payment, made via credit card for {$1500.00} ( confirmation number : XXXX ), reinstated my home insurance policy. NewRez now owes me a refund and a very heartfelt apology. 

NewRez loan number : XXXX Grange Insurance Policy number : XXXX My insurance agent is XXXX XXXX at XXXX XXXX ( phone : XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Early XX/XX/XXXX ( around midnight or after ) I was scheduling payments to be made on Friday ( XX/XX/XXXX ). I was trying to schedule a payment on my Venmo account and I had confirmed the payment on the initial screen I had selected everything ( source of payment, date, amount ) and I had hit accept. It wasnt until the next screen popped up with the confirmation confirmation number that I realized I scheduled it for XX/XX/XXXX instead of XX/XX/XXXX, and there was nothing I could do about this. I tried calling right after it happened, I tried emailing, and I called again after work I was told that there was nothing they could do. 

I feel like Im being penalized as a consumer for an oops when I have tried doing my due diligence to correct this, but apparently there is nothing than can be 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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TX

Complaint narrative:
Became XXXX at the beginning of the year and finally got a job to pay off cards. I have been paying my cards off every month on the payment program and I still cant use my cards. Ive spent hundreds and every month and still cant use my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
A 1099c discharge was made to XXXX XXXX ( The original creditor ). Jefferson Capital Systems took over the account claiming the account is charged off for {$920.00}. If this is a certificate of indebtness, that is now considered income and must be removed, I am not sure why this is still on my credit reports according to 15usc 6802. 

XXXX, XXXX, and XXXX are all reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened a business checking account with Bank of America that had a promotional bonus of {$1000.00} for maintaining a {$30000.00} bonus for 60 days. I completed the requirements for the bonus and Bank of America will not pay it, claiming I should have used an offer code. No offer code was required when I opened the account, nor is one required in the terms and conditions found in the attached screen shots of the application page.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings
State: TX

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
DELETE ALL FRAUD ALERTS Transunion # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
DELETE ALL FRAUD ALERTS XXXX # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXXXXXX XXXX  XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Transunion do certify permissible purpose, which is a violation of title 15 USC 1681b. I gave no person permission to pull my credit report. Dates, time, and persons not recognized are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 2023-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am locked out of my account. I called over a week ago and was on hold with the rep for over an hour. He kept referring to " my case ''. Then he mumbled something about my banking with another bank. I told him that I did not bank with the bank he quoteds. Then he tried to verify my identity. The phone number on my Marcus account is outdated and I gave the rep my current phone number. He tried to send me a text for verification and it failed. I asked to speak to a supervisor. He could never get access to a supervisor. After an hour on the phone, he told me someone would call me within the week. No one has called. Today I went thru the same scenario with XXXX who finally transferred me to his supervisor XXXX, who put me on hold for XXXX minutes. Her final solution was to send me an affidavit via snail mail to verify my identification or close my account and mail a check to the address on record! I chose the latter. I planned to close my account after this hullabaloo! My money, {$160000.00} has been inaccessible for over a week. How can this be? Sucky customer service and poorly trained personnel!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2023, XXXX XXXXXXXX XXXX changed my and other consumers Custom Management Checking Account to Everyday Checking Account. In so doing, they have closed my oldest financial account ( opened on my XXXX birthday ) and thereby negatively impacted my credit score ; credit rating agencies now report a significantly lower average age of accounts and credit score.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Bank Robbers came into my home and used my bank cards and information. They Kidnapping my daughter XXXX XXXX XXXX and requested ransom. XXXX XXXX XXXX impersonating XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Also, XXXX XXXX and XXXX XXXX from 1XXXX XXXXXXXX XXXX Kidnappers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Contacted AMEX upon receive of email change notice. A new unauthorized user was added to my account. Spoke to fraud prevention department and they cancel my existing card including the newly added fraudulent account. 25 minutes were spent on call to resolve issues. 

XX/XX/XXXX Fraudulent transactions started to appear on my account despite it was supposed to be closed on the XXXX on XXXX. In addition, another unauthorized user was added to my account. AMEX fraud prevention department claimed they will remove unauthorized charges and close the newly added fraudulent account. A total of 23 minutes spent on call to resolve issue. 

XX/XX/XXXX Contacted AMEX with issues adding my new card to XXXX XXXX and follow up on unauthorized charge removal. The new card was not able to be added to XXXX XXXXXXXX hence a new card had to be issued. I was assured that unauthorized charges would be removed and will not be held liable. Spent a total of 47 minutes and 4 calls speaking to multiple representatives to resolve issues. 

XX/XX/XXXX Fraudulent transactions on the second unauthorized account started to appear on my account. That account was supposed to be closed on XX/XX/XXXX. I was asked on the call to confirm the unauthorized users for reason I can not fathom. The two unauthorized account were supposed to be closed on XX/XX/XXXX and XX/XX/XXXX calls respectively. Spent 33 minutes on call trying to get my account secured and removing unauthorized charges. 

XX/XX/XXXX All the fraudulent transactions went from pending to post status on my account. Spent 11 minutes on call asking representatives why they have yet to execute what I was told on previous calls. I may have to pay over XXXX XXXX out of pocket first to prevent fees and impact to credit profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  is saying the information is coming back verify but when i called the company myself they cant verify me so i not understanding how they verifying so the comapny is giving me payment history in not contract or agreedments so i ask them to removed the debt but they ignoring the fact that i didnt do business with them i rufuse to pay the debt i wasnt legally notify about the debt under 15 U.S 1681 i fair act crediting reporting i have right to privacy 15us1681a these accounts i refuse to pay they violated my account i also send information to experian they saying my docs wasnt acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I went to purchase a vehicle and I noticed inquiry that are fraudulent on my Consumer Report. I have not applied for credit or entered into any contractual agreements with XXXX XXXX XXXX or XXXX XXXXXXXX XXXX during the time periods indicated by the inquiries. As these inquiries were conducted without proper authorization, I kindly request their immediate removal from my credit report to prevent any negative impact on my creditworthiness.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.

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