vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XX/XX/ my Navy Federal XXXX card was compromised and used to purchase {$420.00} at XXXX XXXX XXXX located in XXXXXXXX XXXX  I got a copy of the receipt as proof that I did not make this purchase I filed a police report with XXXX XXXX XXXX  Police Department with the name of the person that I do not know nor did I give authorization for my XXXX card to be used my card information was stolen and used to make this purchase the receipt police report as well as my statement has been submitted to Navy Federal who refuses to take this charge off of my credit account what other steps should I take this is not my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have two AMEX gift cards for {$100.00} each, and can't use them anywhere. I have tried in store, gas stations, and online, and looked at their website for help. They are supposed to be active and ready to use. I followed all the suggestions, and found a list of retailers on their website that they say work online, and tried several of them as well, and still can't spend my money. I even tried small purchases of {$25.00} to see if that would help but no luck. I just want my money back. The number listed on their card just goes to an automated system, and is unhelpful. This feels like a scam. 
**The form is only letting me list one card number, so I will have to give the other later**

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
Received mail from company " Uprova Credit LLC '', stating I requested a loan in the amount of {$1500.00} and it was denied. I NEVER applied for a loan with this company. States application was denied due to " unable to verify application information '' I shared this info with one of my co-workers. When she went home that day, she had the same letter from this company. She too says she NEVER applied for a loan for this company. Her reason for denial was the same as mine. No phone number to call. Just an address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont work for the city and I never been to the XXXX nor know anyone affiliated I need those accounts taken off asap I was a victim of identity theft and its crippling me

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2024-01-04 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Secti on 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 16811, every
single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immed ately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : NFCU I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXXXXXX XXXX XXXX regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am lodging a formal complaint against Truist Bank for their failure to provide adequate customer service and accurate information regarding my account documents. On XX/XX/2023, I contacted Truist Banks customer service for clarity on my personal account deposit agreement, specifically regarding the processing of social security XXXX payments. At my previous bank, such payments were accessible up to XXXX days earlier. 

To my dismay, the customer service representative declined to discuss this matter and instead, directed me to visit a branch. This was not feasible due to my work hours overlapping with the branchs operational times. Upon requesting to speak with a supervisor, I was eventually connected, but received only a subjective interpretation of the deposit policy. When I insisted on receiving the policy in writing, the supervisor placed me on hold, which resulted in a call disconnection.

Moreover, Truist Banks claim that account information is readily accessible online through my business account is misleading. The only document available is the online banking terms and conditions, which does not cover the necessary details.

I assert that Truist Bank has been deceptive and negligent in failing to provide customers, including myself, with physical copies ( whether through email, online account, or postal mail ) of crucial documents such as account terms and conditions, deposit agreement, and fee schedule.

This experience has left me with serious concerns about Truist Banks commitment to transparent and customer-focused service.

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 2024-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX, my credit card company alerted me that my autopay had failed due to my savings account being frozen. This was the first time I was made aware that there was a hold on my XXXX online savings account that I have had since XXXX. 

A phone call to the customer service line was a circus show. After being transferred to the fraud department, I was informed that a transaction on XX/XX/XXXX, a transfer to my external XXXX account, was what caused the hold. The agents over the phone can not tell me the reason for the hold, just that they need to make sure the transaction does not violate the accounts service terms and verify the account with XXXX on a three-way call. After more than XXXX minutes on the phone, the three-way call ended up not happening. Turns out XXXX has a policy to not participate in three-way calls if they did not initiate them, XXXX themselves actually have the exact policy. My only option was to mail in statements of my XXXX account since they do not accept fax, which I did on that same day. 

Now after almost 3 weeks after the transaction XXXX deemed questionable, I have not received any official communication from XXXX, by mail, email, or phone call, that there was a hold on my account and I need to provide them with documents. My balance of {$8100.00} is frozen and inaccessible to me. I mailed them the documents they requested a week ago and, again, there has been no communication from XXXX. Calls to customer service have yielded no results or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-04 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: CITIBANK, N.A.
State: NC

Complaint narrative:
As of XX/XX/2024 - An account is XXXX years ofd on my credit report. It is shy XXXX  months of last payment date. I requested that this item be removed, not only was it removed. It was updated stating historical data is correct and brought an old account current that should be deleted.

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 2024-01-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I received this card as a gift on XXXX. I activated this car on XX/XX/XXXX and tried to use it on XXXX XXXX and XXXX. the card says it is declined and to contact the card user despite me not using the card and entering the correct information. I contacted American Express and they said to give it XXXX hours after activation and it should work. It has been XXXX hours and it still does not work. No online location will take this card not XXXX XXXX, XXXX, XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
I received a letter ( XX/XX/XXXX ) from XXXX XXXX XXXX on behalf of the Plaintiff Spring Oaks Capital SPV , LLC in regards to a debt they have purchased. 
A few items of discussion are the current balance as stated is {$10000.00} which does not match the amount listed in my credit report which states {$9900.00}.

Also, the date of the last payment made was XX/XX/XXXX which is close to this being Time Barred debt in the state of Delaware.

I understand now there is a court case to sue me that was filed on XX/XX/XXXX so feel like I am being harassed/threatened ( violating the FDCPA ) by both parties mentioned above.

I am also filling a complaint with the Delaware state attorney generals office on my behalf. 
Attachments include : Letter from XXXX XXXXXXXX XXXX Copy of my credit report attesting to the date of last payment and the amount of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023 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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My account was flagged for fraudulent membership. Once I provided proof if everything they still have not taken the restrictions off my account. I have not been able to access my money this month and I need it. I need to eat my fur babies need to eat and still I don't have my money

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 2024-01-04 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: NC

Complaint narrative:
As of XX/XX/2024 - An account is XXXX years ofd on my credit report. It is shy XXXX months of last payment date. I requested that this item be removed, not only was it removed. It was updated stating historical data is correct and brought an old account current that should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I made a purchase on my Truist XXXX of {$11000.00} On XX/XX/XXXX, I paid the credit card balance off. The vender I made the purchase with was unable to furnish the products, so on XX/XX/2023 they credited my card back the {$11000.00}. Now I have a credit of this amount on my credit card. I went online and made a same bank transfer from my credit card to my money market account. After viewing my statement I noticed Truist Bank charged me a {$450.00} cash advanced fee. This was my money, nothing popped up to notified me this was a cash advanced with a fee attached. I have tried for XXXX weeks to resolve this issue and was told they ( they being XXXX different Truist representatives ) understood and would work on getting my account credited. Yesterday I received a call and was told the {$450.00} will not be refunded and that was final. I was told the computer can't distinguish between a credit balance and a cash advance. I had in excess of XXXX in my money market account, and XXXX in my checking account all in the same bank, why would I have needed a cash advance. Truist claims the only way to remove such a credit was to come into a bank and fill out the paperwork. I question why was I able to make this transfer without a notification of a fee being charged. Again this was my money.

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 2024-01-04 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023 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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: GA

Complaint narrative:
i recently disputed an alleged debt of XXXX that i don't owe from FIRST CREDIT SERVICES ON XXXX XXXX, USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX  @ XXXX XXXX XXXX.I haven't seen anything within the XXXX   days time limit and i am requesting deletion of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2024-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: SC

Complaint narrative:
I paid the debt on XX/XX/XXXX. In XXXX ( info below ). 

I received notice from a different debt collection agency that this debt was not paid. I called and sent information via email to the debt collection agency showing it was paid, and they still said it had not been paid. 

Note : I sent a receipt for payment that was sent to me via email. 

-This debt appeared on my XXXX credit report as unpaid debt. 

XXXX : Date Paid to 1st debt collection company, receipt sent via email on XX/XX/XXXX : Keystone Healthcare XXXXXXXX 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 -Date I disputed the 2nd company to contact me for the debt.

-Date they denied my dispute, despite my evidence of having paid the debt ( a receipt from the 1st company and my credit card statement with the amount paid ). 

XX/XX/XXXX Date I sent email with info above to the 2nd debt collector, Asset Care Sent to XXXX Account Number for Asset Care : XXXX Asset Care, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Date I recieved a letter from Asset Care saying the information I provided was not accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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