vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed a special invitation from Capital One Bank to check if I am pre-approved with no credit score impact. It clearly stated if I checked, it will not affect my credit. Then I clicked the link and entered all my information and I got the message Well done XXXX, Your credit qualified you for multiple cards. It means I am pre-approved and I must get the credit card, If I apply ( I am attaching copies of all the invitations which states no impact on my credit and also my pre -approval ). 

Thinking that Capital one is a trustworthy Bank, I applied for the credit card and I got the denial letter even though my credit score is XXXX. All the reasons mentioned in the letter are false. Also I got the email that you have inquired about my credit. Attaching copies of that too. 

I request you to please intervene in this and check why they pre-approved me if I am not eligible to get the credit card. Could you please ask them to remove the credit inquiry from my account. 

If I can not trust Capital One Bank then how I can deposit my big amounts with Capital One Bank. Before approaching XXXX please give me the valid reason for the credit denial and if it is by mistake tell them to issue me the credit card and otherwise remove the inquiry from my file. Also please tell them not to send these type of phishing emails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
This debt was add to my Credit Reports without any knowledge or proof of debt. I have no knowledge of this account. My account is current with XXXX XXXX and there is no way this debt collector should even have permission to report a debt without no validation. Delete and remove this account immediately. My next step is to sue AMSHER COLLECTION SERVICES for misleading information and making my credit score drop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/23 accidentally paid {$2000.00} to a now defunct XXXX XXXX XXXX instead of XXXX XXXX XXXX, I have beaten my head against the wall calling both companies snd Bank of America and Im getting nowhere!

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Contacted TranUnion on XX/XX/ and spoke to XXXX and he informed me that he is the supervisor in the fraud department. Informed XXXX that my credit report has fraudulent inquiries. XXXX informed me to provide the fraudulent inquiries to him and the fraudulent inquiries would be deleted in 24 hours. However, its now XX/XX/, and the fraudulent inquiries are appearing in my credit report. Spoke to XXXX on XX/XX/ and informed him of the fraudulent inquiries in my file. XXXX, also like XXXX informed me to provide the fraudulent inquiries to him and it would be deleted in 24 hrs. The fraudulent inquiries were never deleted. Moreover, asked XXXX and XXXX to send email confirmation and it was refused. The fraudulent inquiries I provide to XXXX are : 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 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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Your company is continually violating my privacy as a protected consumer. I have made multiple attempts to resolve this matter. I was denied my basic right of privacy without any regard. I am attaching a letter that contain some inaccurate information on my consumer 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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Your company is continually violating my privacy as a protected consumer. I have made multiple attempts to resolve this matter. I was denied my basic right of privacy without any regard. I am attaching a letter that contain some inaccurate information on my consumer 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 explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My identity has been stolen, and multiple attempts to open accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX National Recovery Agency contacted me by phone and informed me that I owed a debt of {$3300.00} for my XXXX XXXX in XXXX. There was never a piece of mail received from this company. I contacted them several times by phone and mail in an attempt to learn who is the company or the doctor that they say I owe. On the phone, I was told that information was unavailable and could not be provided. Mail was ignored, and no reply was received. Shortly after, I had a collection appear on my credit report. I have since then contacted XXXX twice by mail asking them to verify this debt, and both times I have not received any reply- just complete silence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
XX/XX/2023 {$5700.00} Navy Federal Credit Union ( NFCU ) refused to authorize transaction. 

Talked to two females at phone number for NFCU, lied and said problem is not them. Asked to talk to supervisor of first female, second female was not supervisor and then directly contradicted me about asking to speak to supervisor, then transferred after long hold to male. Man continued with same claim problem is not NFCU, wanted to ask about why name of business on card is XXXX XXXX  XXXX, did not want to discuss, claimed I was wrong about topic of discussion, and when confronted with his problem, which all other customer service persons have problem, hung up on me. 

Called and spoke to XXXX, who although nice, claims address is different than one on statement. I have already told NFCU the business should be XXXX XXXX  not a limited liability company ( LLC ). The address listed on the statement is a post office box I no longer use, and all these people say my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Wisconsin XXXX, which is wrong, the address on the statement is what is being used. 

XXXX said he was going to talk to the fraud department. After a long time on hold, he said he was still trying. 

I have issues with NFCU disputes on their credit cards. They would not do anything about them, always just say the dispute is my problem. This time around, transactions went through fine, now they falsely claim my information is not being submitted correctly in the electronic transaction. 

Spoke to someone named XXXX, had similar issues communicating, asked to speak to someone else, gave me flak about it and put me on extended hold. 

Now talking to XXXX. Claimed to be in fraud department, but had no idea what transactions I was referring. Hung up on me. 

Spoke to XXXX. Transferred me to a specialist who was unable to resolve the issue, even though XXXX told me exactly what the problem is. After difficulties communicating with this person, who XXXX claimed was able to resolve the problem, she transferred me. 

Spoke to supervisor. Most relevant complaint is NFCU purporting to offer credit, and not allowing me to use it. Talked to what sounded like an African-American lady, was sort of wise about getting me to respond. 

Plan to close card as soon as possible. Unable to change business name from XXXX XXXX XXXX to XXXX XXXX  on credit card or provide service claiming to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You are in direct violation of the fair credit reporting Act ( account & Number # ) has violated serveral of my rights 15 U.S.C 1681 Section 602 A. Clearly 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 an account without my written instruction 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for ant purpose Remove theses late payment and update this account immediately as you are in the direct dilatation of several laws under the fair credit reporting 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
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2023, I mailed a letter to LVNV Funding/Resurgent Capital referencing account XXXX. I requested full validation of this debt, proof that I am indeed the party they are asking to pay this debt, and proof there is some contractual obligation that is binding for me to pay it. I requested that LVNV Funding/Resurgent Capital stop contacting me by telephone and email and restrict their contact with me to writing only via postal mail to my current mailing address only when they can provide adequate validation of this debt. On XX/XX/2023, LVNV Funding/Resurgent Capital sent me an account summary which is not proof of ownership and the right to collect on the debt. LVNV Funding/Resurgent Capital communicated with me after a cease and desist was requested in the letter. LVNV Funding/Resurgent Capital failed to provide me with a purchase agreement that lets me know who has had ownership of the debt, how they can collect on the debt, and if they can sue for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have had repeated issues with Comenity Bank over my Ann Taylor credit card. I pay my bills through the mail, and have been regularly charged late fees and interest due to the time Comenity takes to process a check. In XXXX I mailed a check to Comenity on XX/XX/XXXX ; it cleared my bank on XX/XX/XXXX and as a result I was charged a {$30.00} late fee as the bill was due XX/XX/XXXX. All other checks I mailed on the same date cleared our bank on XX/XX/XXXX. After complaining to Comenity they waived the fee. The problem is this keeps happening. The same thing happened in XXXX ; the check was mailed XX/XX/XXXX and by XX/XX/XXXX still had not cleared. To avoid another late fee I paid the minimum due on XX/XX/XXXX. As of today, XX/XX/XXXX the check, which paid the bill in full, has still not cleared. Again, every other check I mailed on the same date, cleared our bank in under 10 days. In the meantime, Comenity is charging me interest on my account. 

My husband has two other credit cards held by Comenity with which he has had the same issues. Again, no other billed we paid by check did not clear in time.

I have found Comenity to be extremely difficult to deal with every time I called. I finally got the late fee waived after demanding to speak to a manager.

I would greatly appreciate your agency looking into this issue. People can not be punished for paying bills by mail!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed some unfamiliar inquiries on my consumer report that I do not recognize.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed some unfamiliar inquiries on my consumer report that I do not recognize.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Your company is continually violating my privacy as a protected consumer. I have made multiple attempts to resolve this matter. I was denied my basic right of privacy without any regard. I am attaching a letter that contain some inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I was conditionally approved for the haf program ( Michigan ) XX/XX/2023 I have been calling Citizens Bank twice a week since then. Citizens Bank has not returned my calls nor have they responded to the haf program with the necessary documents to verify my missed payments. The haf program has reached out to them 6 time since XX/XX/2023 as well and they havent replied. I tried emailing different people Im different departments no one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with The Fair Credit reporting Act the list below has violate my rights as a consumer right privacy. 

Account # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
My information was used to obtained services to opened an account ( MILITARY STAR CARD/Army Air Force Exchange ) that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. XXXX, XXXX and XXXX is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation