vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX at XXXX, 5 fraudulent charges were charged to my credit card. Immediately, Capital One sent me an email asking " do you recognize this purchase? ". I replied " No, Somethings wrong '' as I did not make this purchase and I have never heard of the vendor before ( XXXX XXXX XXXX XXXX. Then on XX/XX/XXXX, Capital One opened the case to investigate fraud ( case # XXXX ) .The next day, XX/XX/XXXX, I received a letter in the mail stating there was insufficient evidence to prove it was fraudulent, therefore, the charges were put back on my credit card. We called Capital One 's fraud department and they said they would not re-open the case again unless a police report was filed. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sheriffs office opened a case ( # XXXX ) but was unable to create a police report without the following information : merchant ID, address, square ID number, location, city, time of each transaction, square device number. On XX/XX/XXXX, once again called Capital One requesting this information, only to receive a fraction of it. Capital One has no merchant address as well as no phone number. I have done my research and am unable to even find a company with said name ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration with my recent experiences concerning my credit card account with American Express. I signed up for a 12-month 0 % APR promotion, but I have encountered numerous issues that have left me feeling deceived and mistreated.

1. **Interest Charges Despite 0 % APR** : I was shocked to see interest charges on my statements when I was supposed to enjoy 0 % APR for the first 12 months. When I inquired about this discrepancy, your representatives informed me that it was due to not paying the minimum balance. However, this is perplexing because no credit card obligates customers to pay a minimum balance during a 0 % APR introductory period. This promotion is designed to allow a year of interest-free payments. 

2. **Revocation of Initial Agreement** : To add to my frustration, when I began paying the minimum balance as suggested by your representatives, I was informed that my initial 0 % APR agreement had been revoked due to late payments. This was done without any prior communication, such as emails, letters, or notifications. This sudden change left me blindsided and with no knowledge of the agreement 's revocation. 

I believe that these actions represent misleading information and financial misconduct. It is extremely unfair to change the terms of an agreement without proper notice and then to charge interest retroactively. I have been a loyal customer, and I expected transparency and fairness from your institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ( 1 ) Consumer Adjustment Co.has violated my rights,15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has a balance amount of {$1200.00} this unknown collection has been reported on my credit report as a collection. I do not know or even heard of this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2023-10-18 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Account got locked at Sheffield Financial. Have called numerous times and can not get ahold of anyone who can reset my account to pay my bills

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 2023-10-18 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: 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.

has violated my rights. Or a list of inquiries : 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 a 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 non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I am writing to you to file a complaint against a company known as NCC Debt Collector, whose persistent and invasive harassment has been ongoing for an extended period, causing a significant infringement on my privacy and immense inconvenience. I am hopeful that your department can take action to address this issue. 

The Debt Collector is using multiple different phone numbers, including XXXX XXXX XXXX XXXX and XXXX, to harass me several times daily. Furthermore, they leave computerized recordings of meaningless numerical codes, simply repeating these codes during the calls. One such instance was on XX/XX/XXXX, where they used the phone numbers XXXX and XXXX to call me on the same day. The first call was XXXX and they called again in the afternoon at XXXX on that very day. This harassment has not ceased during my business trip to XXXX, they have continued calling late at midnight, significantly disrupting my rest and work. 

I understand that because of this harassment is a medical bill, but I must emphasize that I have expressed my concerns on multiple occasions, requesting that the Debt Collector contact the hospital and insurance company to verify the accuracy of the bill. However, they not only disregard my requests but persist in daily phone calls. While NCC Debt Collector claims in their correspondence that they can resolve disputes via email, they have refused my emails for various reasons, asserting that they only accept contact via phone and regular mail. This suggests a lack of transparency on their part, and it leaves me feeling highly uneasy. 

I kindly request your department to take immediate action to put an end to this harassment and protect my rights and those of other victims. I also ask that your department investigates the actions of NCC Debt Collector to ensure they comply with all applicable laws and regulations, and that appropriate measures are taken to curtail their abusive behavior. Thank you for your attention to this matter, and I look forward to your prompt response. I am willing to provide further information if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I have contacted this loan company American education services several times about lowering my monthly payment and interest rate. this company states there are only 3 repayment options able to use in the life of the loan and that I have use all of them. I think it is unfair to have only 3 lowering payment options in the life of a loan of this size. I have already exceeded paying the amount the loan was initially taken out for which was {$33000.00} on XX/XX/2007. As of today, the amount paid on my loan is XXXX. Total interest satisfied has been XXXX. Total principal satisfied {$9700.00}. This company is saying that I still owe {$38000.00}. I am a XXXX XXXX and have worked through covid to pay this loan with no relief or help from this company in lowering my new monthly payment of {$640.00} and new interest rate of 12 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: OH

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 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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: WI

Complaint narrative:
I submitted a complaint letter about the actions of the collection agency, I.C. System, Inc, in regard to a debt claim against me in the amount of {$230.00}. I have no knowledge of any contractual agreement or transaction with I.C. System, Inc, and I have never received any services or goods from this company. Despite my request for verification of the debt in question, I have received no documentation or proof that substantiates this claim. Given the absence of any prior knowledge or dealings with this company, this situation raises serious concerns about the validity of their claim, and I am worried that I may be the target of a scam or fraudulent activity.

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 2023-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have hired XXXX XXXX XXXX to handle this debt since they are not willing to work within my budget and expect me to pay what a mortgage payment would be each month. Lately, they have called family members, including my sister-in-law, and harassed them to get me to call them back. They are not working with XXXX XXXX XXXX and I'm expecting them to sue. XXXX has lawyers ready to fight for me and reduce what I owe. I've paid them XXXX 's of thousands to them over the years and my balance is not going down. I'm tired of their deceptive practices and harassments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This relates to a Best Buy credit card operated by Citigroup. On XX/XX/, a payment of {$2300.00} was withdrawn via XXXX from my personal checking account to pay off that month 's credit card bill in full. An erroneous second withdrawal was made on the same day for the same amount ( {$2300.00} ). Essentially, the credit card bill ended up being paid twice : once on purpose, the second time by error. I believe it had to do with a scheduled auto-payment issue. After the second withdrawal, the amount owed on my Citigroup credit card was negative, meaning I had a credit for the amount overpaid ( {$2300.00} ). I contacted Citigroup by phone on or around XX/XX/XXXX requesting a refund for the second ACH withdrawal. The representative told me they would send a check. The check did not arrive, so I contacted them again on XX/XX/XXXX, and they told me to wait as the check might still be on its way. Finally on XX/XX/XXXX, with the check having never arrived at my address, I called again. I spoke with someone and asked them to ACH me a refund immediately. At this point, it had been nearly XXXX weeks since I was missing my {$2300.00}, and I had bills to pay. The representative told me they would cancel the check ( that never arrived ) and XXXX me the money. They informed me it would take XXXX business days for this to happen, which was an unacceptable amount of time to me, considering how long it had already been with Citigroup having my money. I asked to speak with a supervisor, XXXX, who told me the same thing. I escalated it further to XXXX who assured me it was unlikely to take that long and that she would put in a note to expedite/prioritize it. As of right now, XXXX XXXX XXXX I still have not received the XXXX. Logging on to the Best Buy credit card page, I see that on XX/XX/XXXX, there was a credit balance refund for the same amount ( {$2300.00} ), but I don't see that money in my account. This is causing me significant distress as I am having to shuffle money around to ensure I have the resources to pay my bills, going on a month since the original Citigroup error.

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 monetary relief
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX ( page 1 ), XXXX XXXX XXXX XXXX ( page 4 ), XXXX  XXXX XXXX ( page 5 ), XXXX XXXX XXXX XXXX ( page 7 ), XXXX XXXX XXXX XXXX XXXX ( page 10 ), XXXX XXXX  XXXX ( page 13 ), XXXX XXXX XXXX ( page 14 ), XXXX XXXX XXXX XXXX ( page 15 ), XXXX XXXX  XXXX ( page 18 ), XXXX XXXX  XXXX ( page 32 ), XXXX XXXX  XXXX ( page 33 ) , XXXX XXXX XXXX XXXX XXXX ( page 34 ) In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries are in violation of my rights : XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal information is in violation of my rights : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( not my address ).

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.

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In XXXX and XXXX XXXX mail was stolen from the mailbox of XXXX XXXX XXXX in XXXX, MA. The mail included multiple personal checks that church members were sending in as offering donations. The total amount of checks stolen was around {$10000.00}. 

TD Bank accepted all of these checks for deposit at XXXX of their ATMs. These checks were deposited into an account that was not named on the checks. TD Bank made no effort to ensure that the individuals depositing the checks were the people the checks had been written to. They did not check ID or match the account to the checks. It is unbelievable to me that a bank would cash a check like this and that their internal controls are so poor. 

The crime by the thieves as well as the mismanagement by TD Bank was discovered in XXXX and reported to the police. The suspects have been identified. It is my understanding that there is a warrant is out for their arrest. 

TD Bank, however, has refused to return the money from the check that they allowed to be fraudulently cashed despite consistent attempts by my bank to contact them regarding this matter for almost a year now. 

Basically, TD Bank, through having no internal controls at all for check deposits at their ATMs, aided and abetted criminal fraud and refuses to compensate victims for the checks that they illegally allowed to be cashed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I tried to create a free membership with Experian to manage security freezes, but their website has a technical problem where no matter how different my username and password are, it blocks me from creating an account saying " Your username may not include your password ''. I've spent hours on the phone with them trying to resolve the issue, and they would not recognize it as a technical problem and they have no tech support that I can contact. After calling over and over, working with the disputes department to confirm all my information was correct, they finally recognized that it might be a technical problem, and asked for a screenshot of the issue on XX/XX/XXXX. Then almost a month later, XX/XX/XXXX they said they forwarded it to their engineers to look into. I still haven't heard back, and I still can't create my account to control the freezes on it.

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 2023-10-18 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: IN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-18 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I recently submitted a complaint against national credit systems regarding a fraudulent account that was placed on my credit report. XXXX of my complaints with this company is still being reviewed. However, the second account that they are reporting has came back verified or with accurate information. This matter needs to be re-investigated as I explained in plenty of my dispute letters, as well as contacting the company about being an identity theft victim, which in this case my identity was compromised to obtain apartments at properties I never lived at with this complaint, I have submitted my identity theft report affidavit which is also notarized. I also have sent them another letter with the same information dating back XX/XX/2023, which the status on the tracking has yet to be received. 

To summarize my situation again I am a victim of identity theft, and these accounts listed with your company. National credit system is reporting in accurate information without a thorough investigation. I am requesting you re-investigate this matter with both of the accounts listed in your system.

Company response to consumer: Closed with explanation