vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My complain is two fold : I had Capital One Venture X card ( {$390.00} annual fee ). As part of that, there's a {$300.00} annual travel credit. Mine was expiring XX/XX/XXXX. It has said " expires XX/XX/XXXX '' I went in today ( XX/XX/XXXX ) and it said {$0.00} travel credit. So, I called the Capital One XXXX ( not credit card ). They told me that they see my travel credits as expiring on XX/XX/XXXX & there was nothing they could do. I was connected to the credit card side of things, who said that my {$300.00} travel credit EXPIRED already on XX/XX/XXXX. I said it's still XX/XX/XXXX. They said there was nothing they could do, the date could not be extended, etc. I was not offered any other compensation ( miles, bonus, etc ). I decided to close my account, and decided to transfer my account miles ( XXXX ) to an airline partner before closing my account. In trying to do that, I was prompted to

do MFA ( multi factor authentication ) and just continuously got looped to log out. There was a number to call, which had me waiting on hold and I had to get back to work, so I logged off. I eventually cashed in the miles/points for cash, which I did NOT want to do since it's an ineffective use of them, but I wanted to close out the account as soon as possible. I did call to close the account and reiterated the situation, asking to have my two issues escalated. Again, I was not offered an alternative and was reminded of the travel credit that comes with the card, which I could not use. Long story short - could not use the {$300.00} credit THROUGH the date it said. The travel department of Capital One had a different expiry date than listed.
As an aside, I did ask the Capital One XXXX people why LAST year 's ( XXXX ) credit also shows an expiry date of XX/XX/XXXX, but they couldn't tell me. See attached for details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have two credit cards with Comenity Bank : 1 ) Ballard Design and 2 ) Ulta MasterCard. 
. 
I have been locked out of both online accounts since XX/XX/XXXX which is how I review my charges and submit payments ( timely ). 

I have contacted both accounts from the numbers on the back of the credit cards and each time they tell me the same : I need to reset my password ( I've tried and it doesn't allow me to ) ; I need to use a different browser ( done that still doesn't allow me to reset ) ; They tell me they need to reset the system and for me to wait 10 days before trying to log back in to reset ( done that still doesn't allow me to reset or log in ). 

I have done all of the above numerous times as requested and to date XX/XX/year> I am still locked out and have payments due on or before XX/XX/year>. 

I do know a class action was filed against Comenity a few years back for this very reason they lock consumers out of their online accounts and then charge late fees. 

Of course, payments can be submitted by telephone and/or XXXX mail ; however, my accounts are set to paperless billing ; therefore, I don't receive a statement and can not look and see exactly what has been charged to those accounts... not to mention... it's my consumer rights to be able to review my bills. 

I have even contacted Ballard Designs storefront and they've tried to assist me with Comenity to no avail. 

I also filed a report with the FDIC who recently let me know they were referring this matter to your organization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2024-05-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I accidentally sent {$2300.00} to the wrong person through XXXX I immediately called capital one to dispute the issue on XX/XX/year> they denied my dispute twice and claim they havent received my emails of proof there is no real building to go to to talk to anyone and capital one is being very nonchalant about returning my money back it has been 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
Mr. Cooper acquired my loan. After they acquired my loan on a random day without my consent or knowledge they charged my bank account for a mortgage payment. At the time I had no idea who Mr. Cooper was and that they had acquired my mortgage. I had the bank reverse the illegal charge. Mr. Cooper stated that they obtained autopay information from my previous lender and said they were authorized to charge my account. I told them absolutely not. They had no permission or authority and the date of the payment was unscheduled. The bank agreed with me that Mr. Cooper 's conduct was illegal and reversed the payment. I have 60 days to make a payment to Mr. Copper without penalty. Mr. Cooper has put a {$25.00} fee on my account because their illegal charge was reversed. They are charging me for stealing money from my account and having the charge reversed. This is a horrible company with horrible people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I've been requesting payoffs from this horrible organization since my father passed away on XX/XX/year>. They delay so long in answering questions and give false responses so often that we can't figure out how to pay off this loan. When I finally get a pay off the payoff isn't good for long enough to get the closing done and the money wired. Their misinformation, bad phone numbers, and automated answering services seem to intentionally hold up the process. They are making so much money by taking advantage of people and making it hard to navigate their system. 

We've had a closing and the attorney has sent payment but they responded by fax requiring more money. The company is CARRINGTON Mortgage Services , LLC . 

Stay away- they aren't worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
What happened? On XX/XX/XXXX, my travel plans were significantly disrupted due to the cancellation of my flights by the airline. The tickets were for a flight that was scheduled for XXXX XXXX The total cost of the XXXX tickets was {$2100.00}. Following the cancellation, I received a partial refund of XXXX for each ticket ( approximately {$650.00} for each ticket ) from the airline, but the remaining balance of $ XXXX ( {$880.00} ) was not refunded. 

I initiated XXXX disputes with Citibank for the remaining {$440.00} ( XXXX case for each ticket ) : Case XXXX Case XXXX Actions Taken : Both disputes were submitted to Citibank around the same time, detailing the same transaction for the same amount. 

Resolution of Case XXXX : Citibank initially resolved XXXX XXXX in my favor, and a credit of {$440.00} was applied to my account. They didn't resolve XXXX, so I sent correspondence to have them resolve it. 

Denial of Case XXXX : On XX/XX/XXXX, I received a letter from Citibank stating that Case XXXX was denied due to the amount of time that had passed. 

Appeal and Follow-up : I requested an appeal and sent multiple follow-up communications to Citibank expressing my concerns about the inconsistency in handling these identical cases. 

Reversal of Credit : After requesting an appeal, Citibank inexplicably reversed the resolution of Case XXXX, removing the {$440.00} credit from my account. This happened after I emailed them on XX/XX/XXXX when I asked them re-review the situation. 

Email Communications : On XX/XX/XXXX, I sent an email to Citibank requesting an evaluation of Case XXXX. 

On XX/XX/XXXX, I sent an email expressing my frustration with the inconsistent handling of my disputes and requesting a review by a supervisor. 

On XX/XX/XXXX, I sent another email demanding immediate resolution and reinstatement of the credit, and escalating the matter to a higher authority. 

On XX/XX/XXXX, I received a letter from Citibank, which included my account statements and an audit worksheet but did not address the core issues or explain the inconsistency in their handling of the disputes. 

Current Situation : Despite my efforts and follow-up, Citibank has not provided a satisfactory resolution. The inconsistent handling of identical disputes has caused significant frustration and inconvenience. 

Requested Resolution : I am seeking the CFPBs assistance in resolving this matter.

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Notice is hereby given to XXXX Goldman Sachs Bank, APPLE CARD that on or about XX/XX/XXXX, APPLE CARD CASE # XXXX was open without Plaintiff/Affiant 's consent or authorization, an individual engaged in identity theft and used Plaintiff/Affiant 's personal identifying information to open the Fraudulent Account with GS Bank, account number XXXX, dated opened on XX/XX/XXXX. 
Plaintiff/Affiant requests that GS Bank immediately close the Fraudulent Account and cease reporting it or any information relating to it to any consumer reporting agency. 
Notice is also hereby given to the major consumer reporting agencies, XXXX, XXXX, and XXXX, that on or about XX/XX/XXXX, without Plaintiff/Affiant 's consent or authorization, an individual engaged in identity theft and used Plaintiff/Affiant 's personal identifying information to open the Fraudulent Account. 
Plaintiff/Affiant requests that the consumer reporting agencies investigate the Fraudulent Account and any inquiries relating to it, and block any information regarding the Fraudulent Account from appearing in Plaintiff/Affiant 's consumer reports.

Plaintiff/Affiant 's personal identifying information, including but not limited name, address, date of birth, and Social Security number were compromised and used without consent to open the Fraudulent Account.

Plaintiff/Affiant certifies that they did not authorize the Fraudulent Account and is a victim of identity theft as defined by 15 USC 1681c-2 and 12 CFR 1022, Regulation V.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
The company has failed to provide proof that an account has ever existed between me and them. Because I have never had an account with them. I did a dispute with them directly and requested information on this debt that they have on my credit. I also did a dispute through XXXX XXXX which should have been concluded XX/XX/2024. The company will not respond and this debt is still on my credit. This falsely manufactured account is affecting my life and it needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
Tried to make an additional payment to principal on my XXXX loan today ( XX/XX/year> ) and EdFinancial told me I was not allowed to do so until I had paid ALL the interest associated with the loans first. This is not only untrue and illegal, I know they have been sanctioned by you for this in the past. Not only are they doing it again, they are saying the Department of Education is forcing them to do it. When I asked to be connected to a XXXX, they would not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TX

Complaint narrative:
I am writing to express my concern regarding the lack of response to my disputes about inaccurate information on my credit report. Over 30 days ago, I submitted detailed disputes to XXXX, XXXX, and Experian, listing the specific accounts and outlining the violations made to my consumer report. 

To date, I have not received any response from your agency. This non-compliance with the required 30-day investigation period is unacceptable and a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, your company has repeatedly failed to validate a specific collection account, which is a direct violation of FDCPA 809 ( b ) as per the FTC opinion. 

Attached are copies of all the letters and supporting documents I previously sent. 

I request immediate action to : 1. Investigate and correct the inaccuracies on my credit report.

2. Provide a written response to my dispute submissions.

3. Validate the disputed collection account or remove it from my credit report.

Please address this matter urgently.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding late payments. Over 30 days ago, I sent letters to your company requesting validation of these reported late payments, but I have not received any response or satisfactory evidence to support them. 

Despite my efforts to resolve this directly with your company, the incorrect late payment information remains on my credit report. This is negatively impacting my credit score and ability to obtain financing. I have included copies of the relevant portions of my credit report along with this letter. 

I am respectfully requesting that you investigate this matter and promptly update or remove any unverified late payment information from my credit report. Accurate credit reporting is crucial, and I expect your full cooperation in correcting these errors.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding late payments. Over 30 days ago, I sent letters to your company requesting validation of these reported late payments, but I have not received any response or satisfactory evidence to support them. 

Despite my efforts to resolve this directly with your company, the incorrect late payment information remains on my credit report. This is negatively impacting my XXXX XXXX and ability to obtain financing. I have included copies of the relevant portions of my credit report along with this letter. 

I am respectfully requesting that you investigate this matter and promptly update or remove any unverified late payment information from my credit report. Accurate credit reporting is crucial, and I expect your full cooperation in correcting these errors.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As of XX/XX/XXXX Transunion, and XXXX is reporting incorrect information on my credit file from XXXX XXXX XXXX. This account is listed as a charge off with Transunion with last payment on XX/XX/XXXX with no late payment and no information on when account was closed. XXXX reports as charged off last payment on XX/XX/XXXX with XXXX late payments for 90 days and no closed date

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 2024-05-31 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX Inquiry 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 2024-05-31 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-31 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief