vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for a Truist credit card. It's called the enjoy cash. It has no annual fee and has a promotion of 12 months no interest ; however, immediately after getting the card I get charged an annual fee. I called and after complaining they refunded the annual fee. Then I made a purchase and since I have no interest decided not to pay it off completely, just the minimum required. When looking at the statement, to my surprise I notice an interest fee. This card has no interest for 12 months. Yet I'm being charged interest. Called and talked to multiple reps that confirmed to me I'm not supposed to be getting charged interest and that they would refund it. Weeks have gone by and they have not refund the interest fee. In fact, they have once again charged me interest fee. First time was for XXXX $ and now I got charged XXXX. I once again called and they said they would fix the issue and it's yet to be fixed.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have completely resolved my federal XXXX loans, and I need my credit to reflect that as I am working with a lender to purchase a home.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have completely resolved my federal XXXX loans, and I need my credit to reflect that as I am working with a lender to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have completely resolved my federal XXXX loans, and I need my credit to reflect that as I am working with a lender to purchase a home.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is for an captial one spark business card. Due to 120 days past due from me being XXXX XXXX XXXX XXXX XXXX XXXX capital one restricted my card. My mom sent payments in manually to the mailing address for capital one. I have never been late prior to my neck injury in XXXX 2022, I had an exceptional payment history. I ask capital one as goodwill to reverse the XXXX late reporting and they refused even though I had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 120 days late reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services. Have my personal information. My social security number, address, phone and email. Without my consent. I dont have a contract with them nor do I have one with the original company XXXX XXXX  XXXX Its a business account. My company XXXX XXXX XXXX never signed an ink document with wex bank nor Lvnv funding. I asked for the contract bearing my name in ink for them to show 100 % accuracy or permissible purposes as FCRA says. Also its against the privacy act for them to have my personal information without my consent. They assured me that they dont have any nor have seen one but still have and hold my private/personal information. They said they had to request it. I asked they they remove my information after tell me they have no copy of contract and they still refuse to. I spoke directly XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX I was charged interest of XXXX incorrectly. I have always been on autopay and paid the monthly balance each month. 

I needed to call three separate times in order to get agreement from staff that this was indeed an error on their part. Even though this happened one month ago, and I was the one to identify the mistake, they have been unwilling to pay interest to me on that amount, or to compensate me in any way for the mutliple calls I needed to make in order to rememdy the situation.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

XXXXXXXX XXXX XXXXXXXX late payment account : I have never been late on a payment to this creditor. 

XXXX XXXX XXXXXXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

XXXXXXXX XXXX XXXXXXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX XXXX XXXX XXXXXXXX charge off account and XXXXXXXX XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

XXXX XXXX XXXX XXXXXXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account has been included in my bankruptcy and should be reported as such.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

XXXX XXXX XXXX late payment account : I have never been late on a payment to this creditor. 

XXXX XXXX XXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

XXXX XXXX XXXXXXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX XXXX XXXX XXXXXXXX charge off account and XXXXXXXX XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

XXXX XXXX XXXX XXXXXXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account has been included in my bankruptcy and should be reported as such.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently created a credit monitoring account and noticed that someone has been illegally using my information to apply & get credit cards. Which caused a couple of inquiries to appear on all 3 of my credit reports that i never authorized anyone to do so and to my knowledge this is a violation to my rights & the law, and all fraudulent inquiries should be 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently created a credit monitoring account and noticed that someone has been illegally using my information to apply & get credit cards. Which caused a couple of inquiries to appear on all 3 of my credit reports that i never authorized anyone to do so and to my knowledge this is a violation to my rights & the law, and all fraudulent inquiries should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Back on XX/XX/XXXX, at XXXX XXXX in XXXX XXXX, I reserved a VIP table to celebrate a friends birthday. I ordered a ( XXXX ) Champagne parade, bottle of XXXX XXXX XXXX XXXX XXXX, as well as bottled waters & XXXX XXXX. I am not disputing this at all. I have the orignal reciept for {$5300.00} which is also the " Pending Amount '' that was put on my CC when the purchase went through. ( I have a screenshot of this showing on my BOA CC transaction history that night ). The amount XXXX XXXX charged my CC was {$10000.00} Time Stamp on the reciept I have is XXXX for {$5300.00}. BOA orginally credited my account {$5000.00}, the amount I disputed because the merchant did not respond. They only responded when realizing the money was refunded back to me. I made numerous attempts to contact thge GM of the club as well as the VIP host that went unanswered. 
On XX/XX/XXXX, BOA denied the claim after refunding me my money. They claim the Merchant submitted receipts. ( thise are attached ). I have MAJOR issues with the reciepts. Not only do they not have my signature ( one isntn even signed ), the time stamps don't match up. There are 3 different amount with 4 different time stamps. 
The additional amount that they charged me was for another round of a champagne parades which I did not ask for at all. The waitresses did this for themselves not for me & proceeded to charge me for it. Not only did I not get the $ XXXX receipt, I was told " Don't worry it's all set ''. This is FRAUD as they charged my card {$10000.00} for items I did not order & did not recieve. I've been in the nightclub busy 20+years, this is a scam & I have seen waitresses do this on many occasions. 
BOA customer service told me they can not believe me but only believe the merchant because they provided reciepts. Well I provided reciepts as well showing what I was originally charged. How is it that I have the original reciept with the correct amount & they have multiple reciepts with 3 different amounts & 4 different time stamps?

The signatures are not even close to mine at all & neither are the intials. That is clear as day,. BOA told me they can not base the claim on signature becuase my CC was not stolen!! 
This is FRAUD on the merchant & I should be charged the {$5000.00} for items I did not recieve or order.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The following companies have violated my rights : Account Name : XXXX XXXX XXXX XX/XX/XXXX {$980.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$29000.00} Account Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} Account Name : XXXX  XXXX XXXX/XXXX/XXXX {$550.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account Name : XXXX XXXX XX/XX/XXXX {$1300.00} 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The following companies have violated my rights : Account Name : XXXX XXXX XXXX XX/XX/XXXX {$980.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$29000.00} Account Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Account Name : XXXX  XXXX XXXX/XXXX/XXXX {$550.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account Name : XXXX XXXX XX/XX/XXXX {$1300.00} 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently created a credit monitoring account and noticed that someone has been illegally using my information to apply & get credit cards. Which caused a couple of inquiries to appear on all 3 of my credit reports that i never authorized anyone to do so and to my knowledge this is a violation to my rights & the law, and all fraudulent inquiries should be 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
In conjunction with complaint XXXX. XXXX XXXX wrote check to me XX/XX/23 for {$8000.00}. Check # XXXX deposited XX/XX/23 into my checking account ( XXXX XXXX ) at XXXX XXXX. XX/XX/23 at XXXX XXXX  I was emailed to contact PNC Bank XXXX by XXXX XXXX  that day. I got home from work at XXXX XXXX  and called. The office closed until Monday. No other department could help me. So, they bounced the check due to lack of signature card on file. REALLY, people do work and can not access their emails. And you give me 6 hours ' notice you are bouncing a check for no reason? This is a new account due to PNC accepting a fraudulent check on our old account ( new acct ending in XXXX ). 10 checks had cleared on this account prior to the bounced check. I appeared in person at the XXXX, XXXX branch on XX/XX/23 and withdrew {$620.00} in cash. NO ONE EVER MENTIONED THAT WE NEEDED TO SIGN NEW SIGNATURE CARDS! Why would the signature cards from the old account not automatically transfer with the money?? So, I had another problem with checks that were going to bounce. I withdrew the money from another account to cover them. My XXXX XXXX XXXX XXXX father had to get his XXXX XXXX XXXX sister to drivXXXX him to the XXXX branch to resign a signature card after being a customer for 35 years. PATHETIC. This isn't a bank, it's a joke. You can call 50 times and you will receive 50 different answers to your questions. No one has a clue what's going on. I feel this was retribution for my filing the original complaint mentioned above. Surely they can not be this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: VA

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U. S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I send a intent to vacate notice from apartment-moving out date was XX/XX/XXXX. 

On XX/XX/XXXX I was contacted via phone & made aware for the first time that I had debt from previous apartments that I had moved out from on XX/XX/XXXX. I informed debt collector that I needed written notice/validation notice from them Central Portfolio Control. Male didnt respond to my request & hanged up. 

On XX/XX/XXXX, I send Central Porfolio Control a letter with certified mail receipt-requesting written notice/validation from them. I have not received notice. 

On XX/XX/XXXX, I also send XXXX XXXX a letter with certified mail receipt requesting my deposit which they failed to return based on lease & requesting itemized notice of debt they are claiming I owed as I never received either.

Company response to consumer: Closed with explanation