vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: OR

Complaint narrative:
Long-story short : Capital One Travelcenter does not advertise when fares are non-refundable and when they are- I booked a fare that never disclosed that it was non-refundable, for XXXX Capital One miles ( worth approximately {$920.00} ), had to cancel that flight, and Capital One Travel refused to return the miles, and refused to provide me with an opportunity to discuss outside the Travel Center. 

On XX/XX/2023 I booked Capital One Travel reference number XXXX, a flight from XXXX to XXXX, for XXXX XXXX See attached documentation. Due to a medical situation, we had to cancel the flight on XX/XX/XXXX, which had to be done through the airline, XXXX XXXX XXXX. After canceling the flight I noticed the miles did not return, and called Capital One Travel Center. After our conversation, I looked online, and found countless reports of Capital One Travel Center not advertising when fares were non-refundable, and keeping the miles. I have used other travel centers from their competitors ( XXXX, XXXX ), and they always advertise when a fare is refundable and when it is not. This is a systemic issue. 

On both XX/XX/XXXX and XX/XX/XXXX, I wrote to Capital One 's executive team about this issue ( see attached ). I did not hear back during either instance. I'm not seeking anything extra from Capital One, just the miles that were unfairly taken from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRIAD FINANCIAL SERVICES, INC.
State: IN

Complaint narrative:
CFPB XXXX  XXXX This is in response to my first complaint and response from the company. I received a refund of {$1500.00} from the overpaid taxes. I went back to the Triad website to make a mortgage payment and they still show me owing taxes of {$300.00} and have not adjusted my account to reflect my mortgage payment. I called XXXX XXXX XXXX XXXX XXXX that was on their reply and I have called her to correct this tax rate error. I have called her several times and she has yet to return my calls. Her number is XXXX ext XXXX. I went up to the XXXX XXXX XXXXXXXX XXXX XXXXXXXX and they walked me down to the county auditors office and he looked at my title of my mobile home and figured the taxes for 2023 from the amount I am paying on this mobile home and his figure is : with homestead {$670.00} a year, without homestead {$1300.00} a year. That means my monthly pymt for taxes would be {$56.00} a month and Triad is charging me {$300.00} a month. My mobile home has not been assessed yet, so I don't know where they are getting this tax rate from, but I don't live in California. I have a single wide mobile home. I am not going to pay these taxes and they are not going to adjust anything until they get something from XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Navy Federal has stolen {$140.00} via my XXXX account to pay for their egregious banks fees that are NOT legal.i have received return check fees and have never physically held or given out checks. There system never gave me the option to change the account my XXXX is linked to. The transaction was not initiated by me and i requested it be cancelled rather than taken from me. The first person under their XXXX department, i spoke to stated i could receive my money back as long as it was pending. Once i spoke to a different representative for Navy Federal checking accounts, they stated although SHOWING PENDING that its not pending for them to be able to cancel it. Its Sunday and no bank transactions can be completed therefore this should be able to be reversed! They have stolen money I do not have to pay their fake fees. Furthermore when speaking to a supposed supervisor she threaten to hang up on me simply because I told her information was not helping me get my money back. CHECK THE RECORDINGS. LASTLY, Stating i am in debt to them is treason to the United States.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 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: KY

Complaint narrative:
NOTICE : Equifax and DEPT OF EDXXXX have violated my privacy rights by reporting such accounts to my credit file. According to The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 both entities have violated my privacy rights. 

CITED LAWS : XXXX. The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 2. 15 USC 1681n : Civil liability for willful noncompliance. 

REPORTED EDUCATIONAL ACCOUNTS : XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$2900.00} XXXX ) XXXX - {$9200.00} XXXX ) XXXX - {$3000.00} XXXX ) XXXX - {$3500.00} XXXX ) XXXX - {$6000.00} XXXX ) XXXX - {$3300.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$4500.00} DAMAGES : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Just paid off an account with this company. Reapplied and was approved then seemingly denied for an inability to verify my identity ( after submitted a REAL ID - state issued, with current info matching all 3 credit reporting agencies ). The adverse action letter didnt specify what information could not be verified so that it could be corrected which violates FCRA . Furthermore, I had to agree to have my personal information and biometrics provided to XXXX ( a 3rd party verification company ) that would keep this on file for 3 years. 

I called and spoke to XXXX XXXX who wasnt able to provide me with any information regarding this so that it could be corrected and advised to reapply ( with the same info ) in 30 days perpetuating the existing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint narrative:
I am submitting a complaint and ask that you communicate with me directly within 15 days. I am a victim of predatorily lending practices regarding Citibank and Best Buy credit card. I am also being taken advantage of as a XXXX XXXX XXXX man. My wife and I submitted the attached letter and did hear back from a woman named XXXX from Best Buy corporate office on XX/XX/XXXXXXXX  ( message attached ) and have called her back 3 times without speaking to her. I left detailed messages each time describing the fact that I would appreciate a call back as I would like to clear this matter as soon as possible. I have yet to hear back from her per phone call or email message that she said she'd send. 

XXXX XXXX/BEST BUY - Dispute letter XXXX  Respecfully, 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 explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that was not open by me. This has been hurting me as I am in the process of trying to buy a house for me and my family. Please remove fraudulent accounts from my credit report as soon as possible.

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 2024-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
Attempting to get on the XXXX XXXX since XXXX XXXX 2023. Have never received updated payment. Recipient incorrect billing statement which had payment double the estimated amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXXXXXX XXXX  for {$1200.00}. I do not have a contract with XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I missed a payment because I was concerned with the cost of my monthly payment. It seemed to go up quite a bit from the previous month. When Navient called me to collect I asked the rep why has the monthly bill gone up so much from my previous bill, I was told it was due to some federal loans coming out of forbearance. That was puzzling because I get monthly statements from XXXX who processes my federal loans now, and that I haven't been on forbearance since before XXXX. I went back to XXXX XXXX XXXX XXXX and had in school deferment, or so I thought, but was told some loans were in forbearance and that they were collecting dues from both private and federal loans. 
I said I had no problem paying on the private loans, but that I won't be paying anything on federal loans until I get an explanation as to why they are trying to collect payments on them. 
This call was on Thursday, XXXX XXXX XXXX addicted XXXX central time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
In XX/XX/XXXX I filed a complaint with Mercedes Benz because I had so many problems with my XXXX XXXX C Coupe. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXX to check on the complaint and I had to file all over again because Mercedes " Lost '' my complaint.

I deferred my payment to Mercedes, later they clain they couldn't find the deferment and penalized my credit 67 points.

Bottom line is that this car lease and car have been returned and satisfied to Mercedes Benz.

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit.

I want Mercedes to fix this issue and remove it from my credit. Everything has been paid.

I don't have they car Mercedes does.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint # XXXX was made in XXXX XXXXXXXX almost an entire month ago. Im starting a new complaint regarding the lack of professionalism, courtesy, and consideration displayed by Bank of America prepaid card services department. I have a claim totaling a little over XXXX which was made back in XXXX. I have been waiting on. Decision with this claim for over two years! Not receiving decision has cost me an eviction from my home, because I essentially lost {$9000.00} and couldnt pay my rent. Regardless, I have submitted an extremely in depth, detailed, paperwork and documents supporting my claim- and still Bank of America fails to give me any resolution. I even provided them with a letter from my physician stating the dates when the fraudulent transactions occurred occurred during a period of time I was committed to strict bed rest and XXXX due to my medical diagnosis at the time. 
Bank of America says the same thing over and over again. Just like they stated in my last report they are looking over the. Plain, and will report any decision made immediately to me. Its all lies- whenever I call they say the department handling my case is a separate claims department- and this specialized department does not accept incoming calls- meaning I can NEVER speak to them. I can NEVER speak to anyone who can offer me some insight into whats going on with my claim, and why I still am waiting on a resolution over two years later! In addition, this mysterious phantom claims department has no time restrains on how long they can keep a claim without making a decision. So, basically this mysterious department, who I can never speak with or leave a message for, can also take as long as they want making a decision on my claim! And they have been taking as long as they want- taking their sweet time- considering this claim was borne in 2021! 
How convenient for Bank of America- they never have to rectify this pricey situation. They simply can just tell me, my claim is under review, being investigated, and I will hear back from them when they are done- they can take any amount of time necessary, are unable to give me a rough time frame, and will not be able to. All me and answer one of my numerous questions. So, Bank of America can essentially continue to tell me the claim is currently being investigated, and I have to just accept that forever- because it doesnt look like any trail of a solution exists in the near future for this claim! This is absolutely unacceptable!

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 2024-01-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX 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 moreover 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 2024-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a Savings account as well as a Checking account with Truist, both of which have since been closed. 

RE : the Savings Account - I never paid any bills from this account, only transferred money to it and occasionally transferred large amounts out from it to a larger credit union account. Starting in XX/XX/XXXX, the account started to be hit with monthly DIRECT debits from two service providers, XXXX and XXXX. Both are companies I deal with for my own service, but these direct debits were completely separate from my normal monthly payments from checking. 

As I believed the savings account to be secure and rarely touched it myself, I did not monitor it closely, and I finally caught the issue in XX/XX/XXXX. 

RE : The Checking Account - the situation with Savings prompted me to examine Checking again, and I found a few smaller, unauthorized amounts direct debited there as well, also from XXXX, going back to XX/XX/XXXX. They had occurred alongside, but clearly separate from, my normal monthly charges. 

There is no one among my family or friends who would have had access to these accounts, and my only guess is that an online banking password breach may have caused it. 

Upon discovery of all, I immediately filed a fraud claim with my local Truist branch detailing all dates and amounts, and I closed all my existing accounts. 

Truist has been considering my claim for a couple of months, and has returned a few amounts ; however, most of the amounts, though they were still within the allowable window of time for consideration ( 6 months ) and I signed to verify that I did not authorize them, have been declined, presumably because of Truist 's inability to recoup funds from the carriers in question. 

This complaint is only concerning those amounts that were within Truist 's 6-mo. statute of limitations, yet still declined. 

The amounts in question are below. 

SAVINGS ACCOUNT XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$250.00} XXXX XXXX {$320.00} XXXX XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$290.00} XXXX XX/XX/XXXX {$270.00} XXXX XXXXXX/XX/XXXX {$200.00} XXXX  XX/XX/XXXX {$460.00} XXXX CHECKING ACCOUNT XX/XX/XXXX {$90.00} XXXX  XX/XX/XXXX {$97.00} XXXXXXXX XX/XX/XXXX {$90.00} XXXX XX/XX/XXXX {$90.00} 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 explanation
Consumer complaint received 2024-01-07 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:
I am not liable for this debt with XXXX XXXX  for {$640.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-07 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: TX

Complaint narrative:
I am not liable for this debt with XXXX Bank for {$640.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-07 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:
A request was submitted multiple times, most recently in XXXX XXXX to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate with no proof of debt validation or details involved in the investigation. 

I am not liable for this debt with XXXX XXXX XXXXXXXX  for {$370.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. 

This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-07 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief