vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I applied for credit and was denied, my denial letter is proof I was discriminated against. Navy Federal should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/2022 I called the debt company and was advised I have a debt. I told them the I dont know about the debt. They never wrote me any correspondence they have the debt or how to dispute. I was never told me communication with debt collector was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: WI

Complaint narrative:
Received a call from XXXX ( collection agency ) XXXX XXXX regarding a balance from US Bank from XXXX. He said the bank had an oversight many years ago and failed to contact me. When asked for him to verify my address he had an address from XXXX and said they just had an oversight and did not send out collection activity and now us Bank wants to recoup the money and failure to pay would put me into check system. I am furious because I have a great credit score and very little debt and to be contacted years later without notice is unreal! He said he did understand how odd this is and said to wait for a letter in the mail. I asked " how are you sending a letter when you don't have my address? He said " oh we will just put your info in the data base and find it ''. I said well how come you haven't done that in 16 years? He said " it was an oversight ''. This is ridiculous! I will also be filing a XXXX complaint as well!!! Acct # XXXX 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 2022-03-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX, I've sent letters to credit agency of inaccurate information on my credit report to be disputed and did not receive investigation results in mail of response within 30 days. I know my rights and they are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
The XXXX XXXX said that they were changing their name and the Lady name XXXX XXXX didn't take our payment because she specified that they were changing names and to pay our rent to the new company would be accepting our payment but when the new company took over we end up being late to the new company but it was the XXXX lady fault so i just moved out because i could pay no double rent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi credit card company cut my available credit limit in half without warning ( XXXX 2020 ). When I called customer service, they informed me that they had checked my credit score and decided to decrease my available balance without warning to the customer. I had had no prior issue with this company or billing concerns. My credit score dropped directly because of this action by Citi, and they were unwilling to work with me to solve the issue. After many calls, and many hours on the phone, I was never transferred to management or anyone above the initial customer service branch who I could have worked with further. The treatment by this credit card company was abusive to say the least. I closed my account ( XXXX 2020 ) with them because they were awful to work with, and had zero care for a customer who was willing to work with them. I have made consistent monthly payments since closing the account and am now, two years later, still being told that it will be another 3 years of paying over double the minimum payment before I will pay off the balance due to the predatory annual percentage rate. Based on the company 's actions without any communication with the customer, the lack of customer service, refusal to connect the customer with a manager or higher ranking business employee for more insight into my specific account situation, predatory interest charges, lack of explanation into the outcome of closing an account with them, and lack of communication with the customer regarding changes being made to their account, I am filing this complaint.

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 2022-03-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions I also mailed in a copy of my drivers license, social security card, ftc report for th 10th time. Equifax recieved this information on XXXX usps Tracking Number : XXXX Everytime I send a dispute they keep giving me the run around requesting the same information. 

XXXX XXXX XXXX XXXX  Equifax has failed to send me method of verification. 
Equifax has failed to send me contracts with this company Equifax has failed to tell me when these accounts were open Equifax failed to properly verify these accounts belonged to me before placing these accounts on my report. 
I am uploading my profile directly from Equifax website

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I called Simons collection agency in XXXX  of 2021 to pay off a pass due account in the amount of {$180.00}. The woman helped me and the account was paid off over the phone via debit card. I asked prior to giving my debit card information and was assured this would be removed within 2 weeks. I proceeded and made payment in full. However even though the woman assured me it would be removed within 2 weeks, its been 10 months and it has not been removed. I keep calling and am put on hold or hung up on. I dont know what else can be done. 

Collection Agency : SIMONS AGENCY INC ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX on my credit report I have no idea what it is and why its on my credit report. I want proof of who they are to make sure its not a random bill from anywhere I never received anything from the company and dont know who they are

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 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I upgraded my credit card in XX/XX/2021, charge for new credit card paid was {$390.00}. One of the benefits is FREE PRIORITY PASS for travel lounges etc. Four months into the card the PRIORITY PASS people are saying my credit card does not qualify. HOURS ON THE PHONE WITH CAPITAL ONE with no resolution. CLEAR CASE OF BAIT AND SWITCH BY CAP ONE. VENTURE X IS A SHAM

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
I am a Citizens Bank customer and would like to file an official complaint. 

Back in XXXX, I filed a fraud claim against a vendor for failure to perform services. Citizens investigated the claim and astonishingly, found for the vendor. The provisional credit that I had received was due to be deducted from my account on XX/XX/2022. 

I contacted the bank to discuss their findings, arguing that an unsigned contract and a blank form submitted by the vendor was insufficient to determine that the vendor had performed the services for which they had been hired. The bank representative I spoke with agreed with me and changed the provisional credit to a permanent credit. I asked that he confirm that no money would leave my account on the XXXX, as the vendor was, in fact, in the wrong. He assured me no deduction would take place. 

Of course, the deduction did take place and on XX/XX/XXXX, my account was overdrawn as a result. 

I immediately called the bank, spoke with a representative and was told that a form had been submitted on my behalf and that someone would get back to me. I did not receive a phone call. 

On the following day, I called again. I was again assured that someone would be returning my call, and this representative explained that I could not contact the department responsible directly, and neither could she. The only possible way to get this resolved was to file a form. That representative filed a second form requesting a call back and agreed to make it a high priority request. 

I never received a call back. 

I called a third time, spoke with a different representative who told me that she indeed saw that there should have been a permanent credit made to my account, assured me that someone would call me back that day, and apologized for the error. 

Needless to say, no one called me back. 

I called again this morning. Spoke with a supervisor who, while apologetic, told me that the only thing she was able to do to help me was submit yet another form requesting a call back, and that the bank policy was that a response could take 24-48 hours. 

This is absolutely unacceptable. My account is still overdrawn, I have now missed payments and bounced checks and am unable to access MY MONEY. The department ( the Electronic Banking Operations Department at XXXX ) does not take incoming calls, although no reason is provided. 

It can not be legal for Citizens Bank to hold my money for this long, to provide no way to contact the department who made the bank error and to fail to contact me for a week regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Credit Recovery, Inc.
State: VA

Complaint narrative:
I was receiving phone calls regarding medical indebtedness as a result of an emergency room visit to XXXX XXXX XXXX XXXX on XX/XX/XXXX. On or about XX/XX/XXXX, after checking my credit report which is an action that I perform regularly. I noticed a collection account from XXXX XXXX XXXX. My credit file indicated that the account was opened on XX/XX/XXXX, however, the collection account was newly added as of XX/XX/XXXX. On XX/XX/XXXX, I sent a certified debt validation letter to the collection agency. On XX/XX/XXXX, I received correspondence from the debt collection agency. However, they failed to validate the debt and instead provided me with a detailed account of the services, treatment, medication, personal information, and, a photo of my identification card. I know that the collection agency sending me my medical record information is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
hi my XXXX dealership got me a loan through truist bank. i have been trying to reach them all day. i have been on the phone waiting 1 hour 15 mins no answer called a bank branch and went to voice mail. i am refi my house and the lender needs the account number verify the load. and they can't proceed until they have my new account number. 
i have never had this problem with any bank before. i have already heard bad reports about this bank form other people. so far i have a very bad feeling about this bank have they never answer their calls. even call the dealership and gave me the same numbe I just got disconnected from the bank of 1 hr 35 mins what

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 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
First of all I received my refund advance from Credit Karma on XX/XX/22. My account was frozen about a month later with no warning or reasoning. I have literally called over 30 times in the last couple weeks trying to resolve my issue which resulted in various failed and automated email responses which were all the same. I sent in my ID AND BANK STATEMENTS like I was asked OVER a month ago and verified my identify one too many times. My tax return was deposited over 10 days days ago my advance was repaid and my negative balance was settled but my funds which I am entitled to are still locked away at this point Im feeling like my money is being stolen. I keep being told everyday my case has been escalated and nothing. The XXXX of the month has passed and my rent is due and Im on the verge of losing my apartment and getting shut off notices from bills and no one there seems to care at all. I need access to my money or a solution to my case. I am over this whole situation and fed up. I have sent over 10 emails spanning almost 2 months this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I submitted a complaint with CFPB XX/XX/XXXX, The company did not FULLY investigate my fraud claim and hastily sent a response that they did and my claim was unfounded which is untrue. 
The investigated the wrong card as well. 


When I checked with CFPB I seen my claim was closed with that same letter I received from the company as the reason for the closure. 
As i said before I reached out to the CFPB because of the lack of rsponse from this company. 
To date the company refuses to answer my concerns which I find alarming. 
I've yet to be able to speak to a human concerning the initial XX/XX/XXXX complaint Beside having my calls dropped, I been connected to lines that are never answered. 

Only contact numbers involved XXXX XXXX XXXX XXXX XXXX XXXX Its as if the company as well as CFPB didn't even read my complaint. 

Original text : YOUR COMPLAINT On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress XXXX  bank acct. Several hours later I received and text stating a ATM withdrawl was denied, and a XXXX charge was placed on my acct. I immediately opened my mobile acct and seen 4 un-authorized withdrawls were recently made by ATM in the XXXX  XXXX XXXX, NY. After placing a freeze on my acct I contacted XXXX XXXX XXXX. I notified them that I had experienced this same type of fraud an previous time with my XXXX  acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my XXXX  card in New York ) I explained that I currently possessed card ending in XXXX on my person in the XXXX, NY and at no time was I ever at the location where the un-authorized swipes were made XXXX, N.Y. At this time I also noticed a previous un-authorized charge from 2 weeks prior that was also listed on my account. DATE LOCATIONS XX/XX/22 {$100.00} XXXX XXXX XXXX XX/XX/22 {$300.00} XXXX XXXX XXXX XX/XX/22 {$200.00} XXXX XXXX XXXX XX/XX/22 {$180.00} XXXX XXXX XXXX XX/XX/22 {$50.00} NY DOT XXXX XXXX After making my initial contact with XXXX  cust service, I have been unable to reach anyone at the telephone I made the claim. Past 10 days the automated number disconnects when you request to beconnected an agent. I just received a letter from XXXX stating after their investigation they were declining my claim on card ending XXXX. The card with un-authorized charges ended with XXXX. Card ending XXXX is the replacement card Ive yet to receive. I would appreciate any help you can extend. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation