vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX has a XXXX credit on my report I have capital one credit cards as well All without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I'm filing this complaint against destiny card for mishandling my fraud case I have put in a fraud case with destiny card letting them know that I had never received my card ending in XXXX and that my mail was stolen with my information in it I reported this to destiny card and they refuse to credit me back for XXXX unauthorized charges that I reported to them that they know I did not make I have spoken with a manager but have nothing resolved regarding these charges I'm asking for a investigation into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunbit, Inc.
State: CA

Complaint narrative:
I called Sunbit today on Saturday, XX/XX/year>, on or around XXXX XXXX, XXXX XXXX, and a third time at XXXX XXXX 

The response from Sunbit was egregious. The first call was a female agent who identified as XXXX. I asked to speak with a supervisor. She refused to transfer unless and until, I provided my personally identifiable information. When I asked for a supervisor again, she responded okay sir then promptly disconnected the call on me. I called a second time and the call was answered because I heard background noise. The agent did not provide any introduction or say hello. When I disclosed the agent was engaging in call-avoidance and Im submitting a complaint, the call promptly disconnected. I called a third-time and spoke to male agent named XXXX. I asked for his supervisor. His response was there were none available. I then said Ill have him resolve the reason for my call, he refused, said no then willfully and knowingly disconnected the call on me. This is improper and gives Sunbit a bad look. The reason for my call is because my online access to Sunbits website has been deactivated. Sunbit took away my ability to log into my online account to check my balances and make payment online. Also, I have made ACH payments in the past and Sunbit has failed to provide any online billing statements. Not providing billing statements is a violation of certain consumer laws. I seek to hold Sunbit accountable for their violations of both federal and state laws. Sunbit has denied me online access and telephone access to get information pertaining my loans and on-time payment history. I have no way of checking my current and previous billing statements, current loan status, and to make a payment telephonically or online. I look forward with sharing this complaint with the : FTC, OAG, DFPI, XXXX, Sunbits primary regulator and a consumer law attorney that specializes in plaintiff-side prosecution. Finally, I believe Sunbit is behaving improperly in retaliation to my previous CFPB complaints. My online access and phone calls have been prohibited after my previous CFPB complaints. This is retaliation and another violation of certain laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A week ago I tried to go online and convert rewards, which is transferring points from my credit card to a partner program. My phone number kept getting an error message despite a phone number for verification going through on the rest of capital ones sites. I called into Capital One and told them this they tried to tell me that, there was a problem with my carrier, but I told them that I had no problem receiving verifications on other sites or on Capital One only when trying to convert rewards. I also started to research and noted that this is a known issue and there are many people reporting it. I spent hours on the phone on XX/XX/XXXX and XXXX requesting escalations because it had been a week and every time I tried I would get a failure. They kept saying that my account was new. My account is XXXX weeks old. I have points that I am not able to use the advertised feature of converting those points to a partner program. Therefore, I am unable to make a purchase with my points. I noted to each escalation that it was a blocker. They kept saying that it is working by design, but that they could not tell me when it would be resolved and that they was no workaround. They also stated that there are no other XXXX options available to me. I asked them why other verification options could not be done and they said they couldnt do anything except give feedback. The escalations team had no further escalation to resolve this issue. 
I have tried to tell them that this is not as designed user experience, but everyone at Capital One keeps trying to say that it is as designed and then passes phone calls along to different teams who never take ownership of the issue. It is an incredibly frustrating experience and I plan to advertise that this is a huge caveat to anyone considering signing up for this card and that its not worth it if transferring to a partner Is important to you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As noted below, all I want is to be removed from their relentless spamming as noted in my previous report to you : XXXX. I have attached their latest email. As you see, they suggest there is an account I can log into. I have never set-up an account with them.

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 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Bank, XXXX, has yet to answer any of my questions, return any of my calls. She then forwarded a check to me, received today, it that has been tied up since XXXX +- no explanations. 

XXXX is it remotely possible that CHASE BANK HAS THE RIGHT OR AUTHORITY TO DO THIS? 

XXXX phone calls to chase, the bank the funds were pulled from I finally started posting this extremely poor behavior and service on XXXX, each post I made was responded to with blah, blah, blah, please call us at customer service .... each time no resolve and even now that I have received the check, questioned NOT ANSWERED I again question? How does one get a number into CHASE VERIFICATION SYSTEM, No one at CHASE could ever answer that question!!! 

How is I ask again that CHASE can mess with people 's finances like this? Check paid NO INTEREST for 5 +- months? A search on XXXX will tell you this practice with CHASE is not limited to just a few people across this nation! Chase has destroyed some peoples financial stability. They act in a criminal manner and should be highly scrutinized moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: EQUIFAX, INC.
State: CA

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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXXection 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
According to 15 U.S. Code 1692c - Communication in connection with debt collection c : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Reporting to the consumer reporting agencies is a form of communication. The following companies have reported a collection on my credit report and have violated my consumer rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Acct. # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Acct # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN Acct # XXXX I am requesting these accounts be deleted from my reports.

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 2024-04-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: IL

Complaint narrative:
This debt should not be on my report. I would like it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Federated Student Loan Services
State: CA

Complaint narrative:
I have filed a complaint. Several years ago, I contacted federal student aid about fraudulent student loans opened in my name, with police reports documenting identity theft. Last year, I reached out to student aid again, and the loan accounts were successfully removed from my credit report. However, I have not received refunds for the multiple years of tax offsets. This situation led me to unknowingly become a victim of additional fraud, as my tax refunds, instead of being offset, were actually stolen. This was made worse by my lack of awareness about the existence of these tax refunds.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My application to change to a XXXX repayment plan has been in process for months without a response. Now I have been put in administrative forbearance without further information. I have tried calling MOHELA and they have put me on hold for hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I submitted requested documents of my dispute for funds that I spent and did not receive my service. I disputed XXXX times and each time they denied and stated they investigated within XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I was going over my credit report and there are several accounts that were closed and written off XXXX and the legal statue of limitation has ran on any legal collection of debt claim very old accounts XXXX XXXX XXXX  state that the accounts were opened in XXXX and that is not true at all. That the year they bought the old debt. This agency has some how went into court on a fraudulent Service of summons which they served paper at a home address that in no way is my home address at all. They never contacted me in anyway during the legal debt collection term,

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 2024-04-21 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:
On XX/XX/XXXX I was going over my credit report and there are several accounts that were closed and written off XXXX and the legal statue of limitation has ran on any legal collection of debt claim very old accounts XXXX XXXX XXXX  state that the accounts were opened in XXXX and that is not true at all. That the year they bought the old debt. This agency has some how went into court on a fraudulent Service of summons which they served paper at a home address that in no way is my home address at all. They never contacted me in anyway during the legal debt collection term,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: WI

Complaint narrative:
XX/XX/2024, UNAUTHORIZED CREDIT INQUIRY FROM XXXX  XXXX, CONTACTED BUREAU TO HAVE UNAUTHORIZED INQUIRY REMOVED.

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 2024-04-21 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XX/XX/2024, UNAUTHORIZED CREDIT INQUIRY FROM XXXX  XXXX, CONTACTED BUREAU TO HAVE UNAUTHORIZED INQUIRY REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XX/XX/year>, UNAUTHORIZED CREDIT INQUIRY FROM XXXX  XXXX, CONTACTED BUREAU TO HAVE UNAUTHORIZED INQUIRY REMOVED.

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 2024-04-21 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: EQUIFAX, INC.
State: GA

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 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 XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) outlines the Congressional findings regarding the critical role of Consumer Reporting Agencies ( CRAs ) in the XXXX XXXX XXXX XXXXt emphasizes the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy 15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c outlines requirements related to information contained in consumer report 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2024 received an hard inquire on credit report due to lease termination fee. 
The manager of XXXX  XXXX at XXXX XXXX has been contacted as a result and thoroughly discussed my payment for the additional months rent and the termination fee. 
Was told that they couldnt fix the false pay issue because they already sent it up to collects. 
No form of communication was used to contact me/ the tenant prior to the additional termination fee and subsequently my credit has been effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
At the beginning of this year, Navy Federal Credit Union started using a third party service known as " XXXX XXXX XXXX' to do what appears to be A/B testing on their mobile dashboard. For business reasons, I have a network wide ad/tracker/unknown blocker to prevent as much spying from XXXX parties as possible. 

XXXX XXXX  is included in the sites that are being blocked. However, due to this block, I am unable to access features of the NFCU website including statement downloads, access card details for travel, or accessing the internal mail system. This has been going on for almost 5 months now on personal and business accounts and is impacting my XXXX  ability to perform their duties. 

NFCU has been notified of the issue as well as the potential third party data exfiltration of account details and have yet to do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
Aldous & Associates , PLLC contacted me on XX/XX/2023 by email about a debt of {$580.00} which I do not recognize for a gym membership for which I had no contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
request the removal of non-mailable addresses from the Consumer Financial Protection Bureau ( CFPB ) database. 

The only mailable address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
According to 15 U.S. Code 1692c - Communication in connection with debt collection c : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Reporting to the consumer reporting agencies is a form of communication. The following companies have reported a collection on my credit report and have violated my consumer rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Acct. # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Acct # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN Acct # XXXX I am requesting these accounts be deleted from my reports.

Company response to consumer: Closed with non-monetary relief