vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Had a credit account that was assigned in my divorce. Unfortunately, Navy Federal Credit Union charged the account off as a bad debt. I contacted Navy Fed and inquired about this debt and ability to open a checking account once this was paid off. The rep on the phone said yes, once paid off you will become eligible. 

XX/XX/XXXX, account was paid off with letter in hand stating balance was XXXX and now Navy Fed has changed their position and said I am now permanently banned from opening an account. They decietfully lied to me in order to get this account paid off. I have been informed that there is no way I will be allowed to open any accounts because Navy Fed lost money even though the account is paid off. This is their problem not mine and I am being punished for it. I was intentionally misinformed and now they don't want to make good on their promise to allow me back as a member now that the debt is paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with XXXX XXXX  for XXXX separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with XXXX for XXXX of 2023 for both accounts. This has had a significantly negative affect on my Credit Score and prevented me from doing much as I am no shackled. Normally I am not one to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called XXXX XXXX on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what XXXX XXXX error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with XXXX XXXX for XXXX separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with XXXX for XXXX of 2023 for both accounts. This has had a significantly negative affect on my Credit Score and prevented me from doing much as I am no shackled. Normally I am not one to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called XXXX XXXX on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what XXXX XXXX error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
I had learned that the credit card is increasing their annual cost but in return they would provide a quarterly {$50.00} credit based on me making an eligible purchase charged directly with a hotel within the XXXX portfolio, including bookings and incidental charges. I read through the terms and did not see any exclusions that would apply to me making a charge to book a hotel directly with hilton.com. 

I booked a hotel on XXXX on XX/XX/2023 to be eligible for the last quarterly credit of {$50.00}. It was for a total of {$500.00} and the credit card memo says " XXXX XXXX XXXX PURCHASE ''. 

I noticed I saw no sign of the purchase qualifying me for the benefit, so I reached out to American Express chat support to see why. They claimed it was ineligible because it was an advance purchase. They sent me the terms and I didn't see any mention of there being an exclusion for advance purchases. I asked the support person where it said this and they merely copy and pasted something from the terms that made no mention of purchases made in advance. 

Here are the terms they linked to in my conversation with them : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentialit

y 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 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 2024-01-03 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: TX

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 unde

r 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 co
nsumer 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 2024-01-03 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: PA

Complaint narrative:
I have not received a response from the credit furnisher from previous documents submitted

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF ON XX/XX/2023

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 2024-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
am writing to dispute a fraudulent ( charge or debit ) on my account in the amount of $ -_____ $ XXXX. I am a victim of identity theft, and I did not make this ( charge or debit ). I am requesting that the ( charge be removed or the debit reinstated ), that any finance and other charges related to the fraudulent amount be credited to my account and that I receive a corrected statement. 
Enclosed are copies of ( use this sentence to describe any enclosed information, such as a police report or Identity Theft Affidavit ) supporting my position. Please investigate this matter and correct the fraudulent ( charge or debit ) as soon as possible. 
In addition, pursuant to XXXX, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( s ). The copies of the records can be ( mailed to me at the address listed below or faxed to the number listed below ). In addition, please make these records available to the XXXX Police Department upon their request. 
Sincerely, Your Name Enclosures : ( List what you are enclosing ).

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 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PACE Funding Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX says their is no prepayment penalty fee, but to make any additional payments ( above and beyond those normally scheduled ), they charge a {$50.00} fee to generate the payment document. 
They side-step the issue by saying that it's a sub-contractor ( identified only as XXXX ) charging the fee. Neither disclosure of this fee nor use of this contractor who charges the fee is anywhere in the application, disclosure, or truth in lending documents I was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: OK

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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have had BMO since XXXX. I DO NOT have overdraft protection on my account but yet if I am low in my account and a payment is coming out they still let it go through and I am always going negative in my account when this happens. Why is BMO allowing this? this is not fair to anybody who is struggling right now during hard times, The most recent payment was for {$350.00} which is for my XXXX XXXX payment. I only had {$300.00} and some change in the account and they allowed it to go through and now I am - {$50.00} in my account. I want an audit done on this by BMO since I have had them and I want to see how much money they caused me to go negative since XXXX. Now I have no money till XX/XX/XXXX when I get paid next and now I will be {$50.00} less once my direct deposit goes in. This is down out right and dirty for a bank to keep doing this and not doing the right thing by saying " Sorry, you don't have enough funds in your account to cover this '' Then I can call the creditor and make arrangements with them. I had two people on the phone today, one this morning saying that the money won't be taking out as I see you don't have enough in your account and it should just fall off. I get an email stating that the payment did go through from the email I got from my Trustee 's office stating it on the way. I call back this afternoon XXXX and a gentleman from BMO even stated the transaction should have never gone through as I DON'T have overdraft protection on my account and he apologized for the inconvience. I want a full audit done as I want to see how much this bank cost me over the years with their unethical practices.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There is a XXXX bill that was suppose to be paid by insurance. It was billed incorrectly by the XXXX XXXX and only they could re bill the insurance using the correct codes. 

However the XXXX bill is under {$500.00} and should not appear on my credit at all. 

I have poky ed this but and they continue to report it monthly and its an unfair charge to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Since XX/XX/XXXX I have been going back and forth with capital one and XXXX about a missing account that was affecting my account and hindering my life. 
There is inaccurate and missing information on my credit report but ONLY with XXXX. I have a capital one credit card with a limit of {$6700.00} since 2017 and it is not being accounted for on my account which is affecting my score and my credit utilization percent drastically. I have notified both of them and both companies have been telling me different things and putting the blame on one another. They told me they are reporting my information to every credit bureau and it is not a fraud account. I was told to write a letter and provide information to proof I was who I was multiple times and even when disputed they have stated that my issue has been resolved but the issue is still not resolved. I was then told today, XX/XX/XXXX by XXXX that there is nothing that they can do that this is a capital one issue even though I have a written letter from capital one stating they are reporting to all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion LLC has downgraded my credit score because of a collection account in my name. However, I called the collector and my birthday, social security number and address are all different than the information they have on file. TransUnion claimed they investigated and found that I was the delinquent party. XXXX with TransUnion told me to file a complaint with the FTC, so here I am. This debt does not belong to me. TransUnion claims I owe {$2700.00} to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I also called them, and they have never heard of me. Also, they don't even service this area. I filed my first dispute with TransUnion XXXX XXXX. My latest phone calls were today XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I have a PENFED CREDIT UNION XXXX XXXX XXXX since 2012. I have made balance transfers in the past and pay them as the offer expires. At the moment I have various balances at various interest rates in the same card. Since last year ( around XX/XX/XXXX ), I have noticed that the payments I sent, were not been allocated to the highest interest balances. They were distributed among all balances ( including the 0 % ones ). This was not like this before. As an example, there was a remaining balance of XXXX XXXXXXXX 15.24 % in my XX/XX/XXXX statement. I made a payment of {$450.00} ( more than the minimum payment of {$190.00} ) but to my surprise, the balance in XX/XX/XXXX was {$85.00}. Only {$3.00} was credited to my highest interest balance. This is unacceptable and will not make it possible for me to pay the highest interest balance. Today ( XX/XX/XXXX ) I contacted customer service of Penfed to ask them to allocate my payments to the highest interest balance. They stated that this was not possible, that payments are distributed proportionally to all balances. I told them this was against the law, but the representative repeated the way they are doing things. Please help so that PENFED CREDIT UNION complies will the Credit Act.

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