vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Account XXXX XX/XX/2024 I am writing this letter to let you know what a disaster you have caused for XXXX. I asked Capital One to help me. Instead, you made things worse. I called and arranged for payment plan. I agreed to pay {$200.00} per XXXX  due on the XXXX of each XXXX  with the understanding I would try to get current as soon as possible. I asked the representative if it would affect my XXXX XXXX. I said he did not know. Should have realized something was XXXX. What Capital One did was trash my XXXX XXXX by XXXX points and continues to report me as XXXX. For the last XXXX XXXX CapitalOne has reported to me even though I made prompt {$200.00} payments. We agreed to a payment plan so what CapitalOne has done seems XXXX, XXXX XXXX XXXX XXXX. I am not the only one you have done this too. 
As an example, I asked XXXX XXXX for a plan, and they agreed to a month repayment plan. They report me as current. XXXX XXXX suspended interest charges. They do not charge malicious interest as Capital One does and did not trash me. All other credit cards are current and up to date. I only asked CapitalOne and XXXX XXXX for help. XXXX XXXX came through. Capital One did not. 
All other credit cards are current. You continue reporting me as late caused my other credit card companies to reduce my credit lines, which increases my credit usage which then reduced my XXXX XXXX. This has happened the last XXXX XXXX, my XXXX XXXX continues to go down because of Capital One. The cycle continues. You should be ashamed. Under the guise of helping, you are destroying my XXXX XXXX. You should immediately remove XXXX  your advertisements mentioning as being a friendly bank. I should consider a class action suit for XXXX  practices. 
I have lost XXXX  due to XXXX. CapitalOne does not care. 
I am going to encourage the Consumer Financial Protection Bureau to break the relationship between CapitalOne and the XXXX credit reporting agencies based on XXXX  and XXXX  behavior. 
I have considered placing my experiences on XXXX and XXXX, but I am not as XXXX  as Capital One People and businesses should know how you operate. 
Your XXXX  XXXX  lending is XXXX. 
Disappointed in CapitalOne, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: LA

Complaint narrative:
I have made several attempts to reach kickoff but they only have contact options through email. 
I have a different number and can not sign into account The app is set up for you to pay XXXX & XXXX dollars a month to help build credit it says its a loan but there is no loan only my payments into a account that after a year I get returned I have. All the payments I made on file from my bank account XXXX  up until my car and belongings were stolen in XX/XX/2023. 
After which a few months go by and my credit score dropped by over XXXX pts for default on payments. 
I never received any money nor do I owe them I in fact am owed the money I paid into my account but can not access due to not having the same phone number and the email they send to verify yourself has a XXXX min window after which you have to contact them again the response has always been days later and no resolution. 
My credit went from XXXX to below XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bepensa Capital, Inc.
State: MO

Complaint narrative:
FinBe, Inc made XXXX withdrawals ( XXXX? ) from our account at XXXX XXXX without authorization. XXXX XXXX and FinBe are both refusing to return XXXX  funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Today, Portfolio XXXX XXXX XXXX XXXX XXXX called me from a spoofed number, representing that they were XXXX XXXX. Misleading & fraudulent. Called from XXXX at XXXX on XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not associated with any of the address on my report only one is correct

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 2024-01-21 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: MI

Complaint narrative:
Dear everyone XXXX XXXX XXXX XXXX late payments XXXX XXXX other XXXX these are closed accounts so they cant change them. XXXX  lending has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle XXXX  these inaccurate things on these reports. Need fixed or deleted XXXX  inaccurate items i circled also asked about the bank statements could provide they say & i just want these accounts deleted now cause i contacted XXXX no response

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX Account XXXX XX/XX/year> I am writing this letter to let you know what a disaster you have caused for me. I asked XXXX XXXX to help me. Instead, you made things worse. I called and arranged for payment plan. I agreed to pay {$200.00} per XXXX  due on the XXXX of each month with the understanding I would try to get current as soon as possible. I asked the representative if it would affect my XXXX XXXX. I said he did not know. Should have realized something was XXXX. What XXXX XXXX did was XXXX  my XXXX XXXX by XXXX points and continues to report me as XXXX. For the last XXXX XXXX XXXXXXXX has reported to me even though I made prompt {$200.00} payments. We agreed to a payment plan so what XXXX has done seems XXXX XXXX XXXX XXXX XXXX. I am not the only one you have done this too. 
As an example, I asked XXXX XXXX for a plan, and they agreed to a XXXX  repayment plan. They report me as current. XXXX XXXX suspended interest charges. They do not charge XXXX interest as XXXX XXXX does and did not XXXX  me. XXXX  other XXXX  cards are current and up to date. I only asked XXXX and XXXX XXXX for help. XXXX XXXX came through. XXXX XXXX did not. 
XXXX  other XXXX  cards are current. You continue reporting me as late caused my other credit card companies to reduce my credit lines, which increases my credit usage which then reduced my XXXX XXXX. This has happened the last XXXX XXXX, my XXXX XXXX continues to go down because of XXXX XXXX. The cycle continues. You should be ashamed. Under the guise of helping, you are destroying my XXXX XXXX. You should immediately remove XXXX  your advertisements mentioning as being a friendly bank. I should consider a class action suit for predatory practices. 
I have lost XXXX  due to XXXX. XXXX does not care. 
I am going to encourage the Consumer Financial Protection Bureau to break the relationship between XXXX and the XXXX XXXX  reporting agencies based on XXXX and XXXX behavior. 
I have considered placing my experiences on XXXX and XXXX, but I am not as XXXX  as XXXX XXXX People and businesses should know how you operate. 
Your credit card lending is predatory. 
Disappointed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Received an AMEX gift card for 2023 XXXX, have tried to use at XXXX, XXXX and several locations, will not work even though balance says it is {$100.00} available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a member with American Express for their Delta SkyMiles Amex XXXX  credit card since XX/XX/2018. It has annual fee and every year at renewal, a companion certificate is issued for a Delta flight. 

In XXXX, I decided to downgrade my card to a free version as I did not feel it was worth paying the annual fee after changes to Delta 's rewards program. I received a letter in the mail saying that I had until a date in XXXX to reverse the product change. 

Before that date in XXXX, I called customer service and requested reversal of the product change. I asked to confirm if the reversal would truly reverse the change and make it as if I never changed products. The agent told me yes, confirming what was written on the letter. 

The issued the XXXX card again, but will not issue the renewal companion. They claim that I am not eligible because of the product change. I've tried explaining the the letter said I could reverse the change, but they say it doesn't matter. I've asked them to reissue the letter that was sent in XXXX for me to reverify, they are refusing to resend. They will only send me the credit card terms in conditions, as this supports their position. 

I believe they are wrongfully withholding a credit card benefit from me that I should be entitled to. I paid my annual membership fee, which should count as a renewal since I've been a member since 2018. I believe based on what I discussed with them with the written notice I received, they should either issue me with the companion certificate or waive my annual for this year. 

Unfortunately, the written notice they provided me has been misplaced so I can not provide. They do not provide a digital version of the notice, and they will not reproduce the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Dispute of Unauthorized Interest Charges and Harassment Account Number : N/A Date of Charge : XX/XX/2023 Amount of Interest Charge : {$1100.00} To Whom It May Concern, I am writing to dispute the unauthorized interest charges on my Kay Jewelers credit account. As of XX/XX/2023, I successfully paid off my entire account balance, and my Kay Jewelers account has been closed. Despite this, I have been subjected to relentless and harassing phone calls regarding additional interest charges, which I believe to be fraudulent and in violation of my rights. 
It has come to my attention that the phone calls from your representatives have been aggressive, threatening, and made at irregular hours, causing significant distress and affecting my overall well-being. Such tactics are unacceptable and in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
I kindly request the following actions to be taken : Immediate cessation of all communications related to the disputed interest charges and any other attempts to collect on the account balance, as it has been paid in full. 
A complete and transparent explanation of how the interest charges were calculated and any relevant terms and conditions. 
A written statement confirming that my account is closed, and no further actions will be taken to collect on any disputed amounts. 
An investigation into the harassing phone calls I have received, and appropriate actions taken against any representatives who engaged in unprofessional behavior. 
I am deeply concerned about the impact this situation is having on my credit score and overall financial well-being. I expect this matter to be resolved promptly and with the utmost professionalism. Please respond to this letter within 30 days as per the Fair Debt Collection Practices Act. 
You can reach me at XXXX or XXXX if you require any additional information or documentation to assist in your investigation. 
I would like to remind you that under the FDCPA, I have the right to request written verification of any disputed debt. Please provide this verification, including any supporting documentation, in your response. 
Thank you for your immediate attention to this matter. I anticipate a swift resolution that will protect my rights and credit standing. 
Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: C/C Financial
State: LA

Complaint narrative:
On XXXX PREF LEASE placed an account ( XXXX ) on my credit profile without my written consent. this is a violation of the Fair Credit Reporting Act title 15 U.S.C. 1681a.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
I made a payment of {$690.00} on XX/XX/2024 but the payment was reversed and they charged me {$35.00}. I tried to call, but their phone system doesn't work.

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 2024-01-21 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: NE

Complaint narrative:
There r names on my credit report. Transunion my address says Georgia. Please help take that offf as it is not my address. Also on XXXX  it has my name as XXXX XXXX please take off and my birthday is XX/XX/XXXX not XX/XX/XXXX. And on XXXX the address are wrong. Iowa I never lived in, XXXX XXXX XXXX XXXX Nebraska, XXXX XXXX XXXXXXXX XXXX XXXXXXXX California, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX please take off. I have filed a data breech settlement report with XXXX and need help to protect my identity. I had fraud which caused me to close debit card and XXXX XXXX  loss and had XXXX XXXX  lost in XXXX  account compromised loss and XXXX ; XXXX in remitely transfer loss scammed. I also ask compensation for losses and for time spent for days if calling XXXX  and my bank account having to be closed 3 times in XX/XX/2023 and over XXXX hours with time spent due to the data breech from XXXX and fraud. It also caused me to not have a credit report score and I was denied a XXXX. Thanks

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 2024-01-21 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: NE

Complaint narrative:
There r names on my credit report. Transunion my address says Georgia. Please help take that offf as it is not my address. Also on experian it has my name as XXXX XXXX please take off and my birthday is XX/XX/XXXX not XX/XX/XXXX. And on XXXX the address are wrong. Iowa I never lived in, XXXX XXXX XXXX XXXX Nebraska, XXXX XXXX XXXX in XXXX California, XXXX XXXX XXXX XXXX ny, and XXXX XXXX XXXX XXXX XXXX please take off. I have filed a data breech settlement report with XXXX and need help to protect my identity. I had fraud which caused me to close debit card and XXXX dollar loss and had XXXX usd lost in XXXX account compromised loss and XXXX ; XXXX in remitely transfer loss scammed. I also ask compensation for losses and for time spent for days if calling experian and my bank account having to be closed 3 times in XX/XX/2023 and over XXXX hours with time spent due to the data breech from XXXX and fraud. It also caused me to not have a credit report score and I was denied a cc. Thanks

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 2024-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I have a student loan under Mohela for Public Service Loan Forgiveness. XX/XX/XXXX is my XXXX qualifying payment. My employer is filling out my final form for me to submit and get verified for forgiveness. Mohela tried to tell me XX/XX/XXXX is an ineligible month because of forbearance they gave me. Previously Mohela failed to send out bills in time and the US Dept of education put the loans in forbearance with no payment due until XX/XX/XXXX. Yet it was very clear terms the Department of Education and Mohela stated these time periods will count as eligible months of service towards forgiveness. XXXX did show up as an eligible month yet they tried to pull a fast one with XX/XX/XXXX which should be my XXXX eligible payment towards forgiveness. Once processed my Public Service loan employment verification form for XX/XX/XXXX my loan should be forgiven. I am also contacting the President who previously forced Mohela to straighten out my count and your agency etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received an series of emails to my personal gmail account informing me that somebody had created a Chime bank account in my name. The emails seemed legitimate so I called the fraud number that they had at the bottom of the email. A person with a XXXX accent answered the phone and in broken English the asked for further identification information that would have further compromised my identity. They asked me for my phone number and my address and my date of birth. I told the person on the phone that I did not open a bank account with Chime and I wanted the account with my email address attached closed. She refused to close the account insisting that I need to provide further identity information in order to close the account. She said she would remove my email from the bank account that had been created. SHE DID NOT. Two minutes after I hung up the phone, Chime began pounding my personal account with emails. I marked the emails as a Phishing attempt and thereby automatically blocked any further communication from them. A week later I got a letting in the mail from Chime providing me a credit card with access to my new Chime account that I never opened. If possible I would like to file a criminal complaint against Chime and put a stop to their deliberate harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have made several attempts to reach XXXX  but they only have contact options through email. 
I have a different number and can not sign into account The app is set up for you to pay XXXX & XXXX dollars a month to help build credit it says its a loan but there is no loan only my payments into a account that after a year I get returned I have. All the payments I made on file from my bank account XXXX  up until my car and belongings were stolen in XX/XX/2023. 
After which a few months go by and my credit score dropped by over XXXX pts for default on payments. 
I never received any money nor do I owe them I in fact am owed the money I paid into my account but can not access due to not having the same phone number and the email they send to verify yourself has a XXXX min window after which you have to contact them again the response has always been days later and no resolution. 
My credit went from XXXX to below 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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have made several attempts to reach XXXX  but they only have contact options through email. 
I have a different number and can not sign into account The app is set up for you to pay XXXX & XXXX dollars a month to help build credit it says its a loan but there is no loan only my payments into a account that after a year I get returned I have. All the payments I made on file from my bank account XXXX  up until my car and belongings were stolen in XX/XX/year>. 
After which a few months go by and my credit score dropped by over XXXX pts for default on payments. 
I never received any money nor do I owe them I in fact am owed the money I paid into my account but can not access due to not having the same phone number and the email they send to verify yourself has a XXXX min window after which you have to contact them again the response has always been days later and no resolution. 
My credit went from XXXX to below XXXX

Company response to consumer: Closed with non-monetary relief