vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: KY

Complaint narrative:
I'm in process of getting misdemeanor on my background expungement and two employers I didn't pass the back ground I really need these jobs they go through first advantage and they went back further than XXXX years for XXXX  XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Called many many times over the past year and capital one fraud would always tell me they are investegating. This was very straight forward repeating pattern. They would give me the money back into my account and I would tell them in about 15 recorded messages that just tell your XXXX guys and they can stop this. I was transferred from Dept to Department but never to a real individual that understood what I was telling them nor it seems that they cared. Happened about six times -- - the exact pattern with different merchant name -- I told them a junior XXXX person could write a simple algorithm to stop this. I probably have 5 to 8 hrs. of recorded messages saying the same thing. Finall came upon a person that cared. she said the {$10000.00} should have been ( Ibelieve ) plus XXXX XXXX since they deposited two amount that equaled XXXX XXXX She said about 4 months ago she would take care of it. Nothing happened. I went to a local Capital one bank about6 times in past two months -- they have put in requests as well as NON -Compliance reports based on their policies. Nothing You call fraud and they tell you over and over they will put in another request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for card and was denied a month later IT somehow was approved after being denied and account was opened without my knowledge ans the fees and interest is being charged even though I never got a card or information on this account I assumed I wasn't going to get it being denied and a month later approved

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 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My account was closed when I inquired about increasing my credit line to cover a medical treatment that I was receiving. When I spoke to several managers about the issue they failed to provide me with any remedy for my urgent matter. I wrote a letter to the CEO on XX/XX/2023 and I'm still waiting for a 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 explanation
Consumer complaint received 2023-11-27 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
A charge-off was reported at the beginning of XXXX. The balance of said charge-off is reporting as current and has increased my credit card utilization in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I was robbed at gun point by two unknown men and they took my wallet with my personal information in it and my cellphone and made transactions that were unauthorized and transfers on XX/XX/XXXX they made a transfer for XXXX dollars and on the same date I was robbed made a transaction for XXXX dollars from XX/XX/2023 all the way to XX/XX/2023 they made transactions on my account that I did not make I also filed a police report and gave Bank of America the report number they have denied me twice so now I am writing this report because I was referred by a former customer in this situation with bank of America

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 2023-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: GA

Complaint narrative:
I applied for a loan for some emergency assistance due to assisting my partner with legal issues. The loan was for XXXX $ for an 12 month term. I was under the impression it was being repaid in an affordable once a month payment of XXXX $ and each week XXXX $ is being taken from my account. Making it to where I cant afford rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: LCI Acquisition Inc.
State: CA

Complaint narrative:
I have been requesting that LCI send me a copy of my personal file and FREEZE AND DELETE my file which is my right. 
I have also asked secondary reporting agency XXXX, XXXX, XXXX, XXXX, ect to to do the same and everyone has immediately without question but LCI believes they are above the law and can violate my rights whenever they want. 
I have sent them certified mail left phone messages ect and they tell me I need to contact XXXX. Lets be clear LCI is a secondary credit reporting agency and XXXX is a credit bureau. They are separate entities and I have every right to get a copy of my personal file from LCI as well as have LCI freeze and delete my personal file with them. 
I then went to opt out of LCI on XXXX and was sent to a website in which LCI says I can get a copy of my personal file I can freeze and delete my personal files with them. 
From LCi site they write the following You may opt-out of your data being shared with third parties or request access to your personal information by submitting the form below. 

You may also call us on the number below to request access to or deletion of your personal information. 
PHONE XXXX I fill out my name and email and an error keeps coming up. I called left messages aand once again NO call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
There is a debt collector trying to claim an account that i dont recognize as mine. This account was opened on XXXX and they cant validate this account as mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
Simply, we lease new XXXX XXXX XXXX XX/XX/, and error accord XXXX XXXX XXXX XXXX XXXX, they say we pull only 1 inquiry for car loan and we use Experian, and they also say accord sales lady, and this occur before other customers, and others 2 inquiry XX/XX/XXXX  drop 30 days and need update correct, and there only one application car loan lease XXXX, thank you, 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 2023-11-26 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: NY

Complaint narrative:
I sent letters over 30 days ago asking how do you verify bankruptcy and how did you get this personal information on my credit report. 
I also ask them to verify this bankruptcy on my credit report and send me a letter explaining the procedure they used to verify this Bankruptcy listed on my credit report. 
They have also blocked me from filing disputes online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: NY

Complaint narrative:
I sent letters over 30 days ago asking how do you verify bankruptcy and how did you get this personal information on my credit report. 
I also ask them to verify this bankruptcy on my credit report and send me a letter explaining the procedure they used to verify this Bankruptcy listed on my credit report. 
They have also blocked me from filing disputes online.

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 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: MA

Complaint narrative:
I was hospitalized on XX/XX/23 with a serious illness from which I was not expected to survive. On XX/XX/23, Avant, the credit card company, issued me a late fee for failing to make a payment for my credit card bill due on XX/XX/23. 

I was hospitalized for 33 days. When I was sent home, I contacted Avant, explained what happened, requested a waiver of the {$25.00} late fee, and offered to provide proof of my illness/hospitalization. Over the phone, I was told that my request was denied. However, I was offered an email address to " appeal '' this decision. I wrote to the email address and explained in detail what had happened. I received a written email response noting that there is a credit card agreement authorizing the company to impose a late fee-a credit card agreement I agreed to when I enrolled in the account. I replied that I understood there was a credit card agreement and that Avant had the " right '' to impose a late fee, but it was an emergency and I was not physically able to make the payment when due because I was in the hospital in the XXXX XXXX XXXX They did not reply to my message, and I was stuck with the late fee which seems very unfair and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023, I attempted to request a credit line increase on my Best Buy credit card issued by CITI. I attempted online and after I entered all of the information requested, it prompted me to call. I called and answered the same two or three questions with an associate who then pulled my credit and said my request was denied because my phone number did not match what was on my XXXX. I never provided a phone number and the number I called in from was a number I had on file with them for 10+ years. The associate would not provide me any details and told me to dispute it with the credit reporting agency but refused to tell me which one of the 3 they got the bad information from. I asked to speak with a manager who was as much of a broken record as the first person I spoke to. I told her that no one asked me for my phone number until after I was told I was denied because of my phone number not matching my XXXX. Again, she told me I needed to take my time and dispute with all 3 credit bureaus because she didnt know which reporting agency provided the information. 

I spent my time today trying to figure out what phone number was on file with XXXX because that was the Bureau that shows a hard inquiry from them on XX/XX/2023. I called and spoke with someone who advised me there was no phone number on my XXXX and they disputed the inquiry for me. 

It was a tremendous waste of my time and whoever is answering the phones at CITI and their managers should be educated enough to have a conversation with a customer. There are dozens of other attributes on my credit report that I could have verified. Additionally, I still dont understand what they meant when they said my phone number did not match my credit report, match what? They never asked me to verify my phone number and again there wasnt one on the XXXX they pulled, XXXX confirmed that!

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 2023-11-26 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: MI

Complaint narrative:
Notice to the agent is notice to the principal ; notice to the principal is notice to the agent. 





Pursuant to XXXX XXXX XXXX ( l ), the term " credit card '' was used to initiate the consumer credit transaction. I'm also the cardholder and the holder in due course. Pursuant to 15 USC 1602n, I'm the one who came in with the credit card to initiate the transaction. It is not possible to get denied what I came in with. The term adverse action never mentioned anything to do with the consumer getting denied credit. 

Because it is impossible to get denied something that I'm granting to your corporation. The right to extend credit. Pursuant to 15 USC 1602, the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments. Credit is my right, and I'm the one who regularly extends credit and the connection with loans, pursuant to 15 USC 1602g. I'm the original creditor, and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary. This is a private transaction, and this is an unfavorable situation for the consumer. No where In the term adverse action defined within the FCRA, does it mention that a natural person can be denied credit? As an original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used, and I received no benefit from the use of my credit. An inquiry popped up on the consumer report, which is a receipt of a transaction. Someone got paid for my credit, and I received no benefit from it all. 

In fact, damages were done for the denial of my rights, both mentally and financially. I've been discriminated against as there are no federal laws that state a credit score can deny me my right to extend credit. I've in good faith exercised my rights. And I, a natural person, have been discriminated against pursuant to 15 USC 1691. For the damages that have been done to my mental distress and financial reputation, as I take my consumer report and life seriously, I will take this to a federal level if my request to open the accounts in which adverse action has taken place. I'm aware of my open-end credit plan and my right to contract unlimitedly without being denied. I demand your company reinvestigate this matter and abide by federal law to open up the account to which I extended credit.

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 2023-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Vehicle was broken into - briefcase with identification and credit cards taken. XX/XX/XXXX. ALERTED Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  FROZE ACCTS AND CORRECTED ACCTS CAPITAL ONE, AND XXXX  XXXX ISSUED NEW CARDS BASED ON FRAUDULENT ACTIVITIES THEN WHEN XXXX XXXX  REFUSED FRAUDULENT ACTIVITIES USED THEIR DENIALS TO CANCELLED MY CREDIT CARDS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
Kia Motors Finance/Hyundai Capital has an invalid lien on my vehicle. I have never financed through Kia. I have asked repeatedly for a letter of no interest or a lien release, they won't provide anything. They can not produce anything saying they have a security interest in the car that I own.

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 2023-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was a customer of Wells Fargo home mortgage from XXXX. I had to sell my home through a short sale in XXXX. I have read there has been a settlement to help customers affected during that time period and would like to know if I was negatively affected or not.

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 2023-11-26 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I tried to contact Bridgecrest twice. Both times they would not talk to me because my social security does match what they have. This is not my agreed loan.

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 2023-11-26 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: IL

Complaint narrative:
Mohela and Federal Student Aid are deceptive and are significantly impacting my ability to plan for my future financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation