vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Credit report goes down every time you apply, really! 
First bank of America send all thier junk advertisement to me in mail. Then I apply, they deny, was going to transfer balance from XXXX  cause of thier XXXX XXXX. Mostly caused by in my opinion by staff reductions.they didn't allocate my payments as I wanted, now last month they did but still not for month before. The bank spent lots of money trying to get me tp apply for thier credit card. So why deny and reduce my credit score, big old scooge for sure like XXXX XXXX! Stay away from XXXX XXXX, know first hand they are deceiving and dirty! 
Get that hard check off my record by bank of america. 

Then XXXX credit application denied by XXXX. Already have card with XXXX. 
XXXX said, get XXXX dollars from XXXX and 12 months free payment plan with XXXX  XXXX. Got denied by XXXX. So Now I put it under my XXXX  XXXX. The purchase. 
In may, I will transfer XXXX  balance to XXXX. Those applications should not bring my score down, its a gimmick by card companies and banks. Get that credit denial off my record, it was better deal, free XXXX dollars and no interest payment plan. Big business advertisement. We get punished? What's wrong with the America. Get chase credit check off my record! XXXX represenative told me go to credit bureau, ok, so I did!

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am an elderly and XXXX, XXXX, XXXXXXXX XXXX XXXX, American and feel that Capital One has discriminated against me in closing my Walmart credit card having always paid on time. They refuse to tell me except what they call unprofessional, derogatory and abusive to them. When one of their XXXX agents could not multiply XXXX and said it was XXXX. My mentally handicapped son with a XXXX IQ ( XXXX level though he functions higher ) said to tell her that it was XXXX. The agent then called me a " XXXX XXXX XXXX  XXXX '' and demanded a supervisor. The supervisor cackled like a laughing hyena and when I told her I was appalled she stated that is fine for their reps to call me that name. I told her I was greatly offended as a XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. When I asked her that since she felt her agents could call me that what would she do if someone called her that and she said she would hang up on them. I told her that was illogical. She said she did not know what that meant ( which I found hard to believe if she was a supervisor ). I then asked her why and she said " Because we are in charge of you kind and you're just a lowly customer. '' I hung up on her. I believe that Capittal One has taken both XXXX XXXX XXXX side and turned tables stating that I called her that filthy vile name instead of the fact that she called me that which as a born-again XXXX which I would not do. I taught 10 years in a state prison and never called that name, two different principals ' positions and two different Superintendents ' position and then retired and NEVER called that name except by the Capital One agent. I believe they are trying to intimidate me, minimize me, mentally XXXX  me, and prejudge me and I have asked for the real reason and they will give me none. I have appealed to several peope that my letter says to ask for their Customer Advocacy Office and they refuse to let me talk to them. They are stonewalling me and when I stated I would report to your offices they made a very veiled threat to me saying " See what happens to you if you do. '' I considered that a potential XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are thus keeping me from any fair appeal and declaring me guilty without a fair chance. Of course, they have cancelled the card saying that I would owe anything due which I understand. However, the issue started all because they would not change my address to my correct address and the XXXX people would not help. Even the letter sent to cancel my card was not sent to theeven if I owe anything or not. correct address, but XXXX got it to me anyway. Therefore, I don't even know if I owe or not. They have also blocked both my land line and cellphone numbers so that I can no longer attempt to make an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have had a consistent issue with credit reporting agencies. For one XXXX won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through XXXX XXXX XXXX and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to Equifax and XXXX they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation XXXX no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that XXXX will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have had a consistent issue with credit reporting agencies. For one XXXX won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through free credit report.com and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to XXXX and Experian they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation Experian no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that XXXX will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as XXXXXXXX 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 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX acct # XXXX In accordance with the Fair Cred : Reporting Act Everything has to be 100 % accurato on my credit report The Crodit bureaus stated my account was property investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accuraso. This ground for removal thay also violated my rights under 15 U.S.C 1681 soction 602 A. Statos I havo tho righl to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agony can not furnish a account without my written instructions

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo continues to hold me responsible for fraudulent charges on my credit card ending in XXXX. The charges totaled {$720.00} and I am a XXXX XXXX XXXX who can not afford to pay for purchases I did not make. I nor anyone else in known to me made these charges. 

Federal law limits my responsibility for unauthorized charges to {$50.00} and I have already reported identity theft. Wells Fargo is using unethical practices by trying to hold me responsible for the total amount of the charges. In fact, I have already had to make the minimum payment due on the account balance which is equal to the fraudulent charges of 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 2023-04-16 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: FIRST PORTFOLIO SERVICING INC
State: CT

Complaint narrative:
I did not authorize this company to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have called the credit bureaus to remove hard inquiries on my report that are not mine

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have called the credit bureaus to remove hard inquiries on my report that are not mine

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 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I did NOT apply for to these companies for 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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I canceled the Amex card in XXXX of 2022 and paid off the balance of {$27000.00}. They continued to send me bills for reoccurring charges and late fees. I have tried to handle in a professional manor with the directly and continue to get run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16 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: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress 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 2023-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Unfortunately, American Express National Bank was reckless in giving a credit card without my knowledge to a criminal on XX/XX/XXXX ( attached IDTheft_Report submitted to Federal Trade Commission ). 

As attached ( Fraud Card ), regular payments stopped in XX/XX/XXXX. American Express National Bank did not contact me. 
=== Although i receive regular mail for my American Express Personal Savings account, i never received mail or email for this credit card activity. American Express National Bank has never contacted me before, on this and I never received prior inquiries for this debt. 

Instead, the debt was outsourced to a debt collection agency. XXXX hired a XXXXXXXX XXXX XXXX  ( attached Complain for account ). 

I do not have any responsibility for the debt the law firm is trying to collect. 
This is my second complaint. 
==== In the first complaint ( XXXX  response ) sent by Consumer Finance Protection Bureau, the company, XXXX XXXX of The law firm XXXX XXXX firm responded, they initially looked to serve me on XXXX XXXX XXXX, XXXX, CA XXXX. My home address is in XXXX since XXXX. 

XXXX XXXX of The law firm XXXX XXXX XXXX, represents plaintiff, American Express National Bank, some how found my home address & has served my husband, i was not at home at the time XX/XX/XXXX, with a complaint against me, owing {$4500.00} within the past 4 years. 

I immediately, looked up my credit score, and found phone numbers and employment position, which doesn't belong to me. 

I filed a dispute with XXXX for the following on XX/XX/XXXX, and the following were removed : 1. debts, and 2. the wrong phone numbers, 3. and wrong employment description XXXX found the disputed information were sent in by American Express National Bank XXXX 

American Express National Bank allowed to send a legal complaint which is unverified, as it never belonged to me, i never opened an account with American Express National Bank Shouldn't American Express National Bank provide verification of debt. 

If there is a good reason to believe that I am responsible for this debt, mail me the following documents : 1. Proof i opened the account == 2. Proof of the transactions & statements == 3. Proof of prior attempts to contact me ==

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I paid this Credit Card ( line of Credit ) off in full and closed the account. 
I filed for bankruptcy and found that this company had misreported my credit line that I went over my amount and that I put it in my bankruptcy. 
When I called to tell them they disconnected me, When I filed a dispute on the three credit bureaus they still are reporting as put in my bankruptcy, when it was not along with showing my line of credit at the wrong amount and that I used more than my credit limit. 
I just looked up this account and see the account is till open and has been reduced to XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
Recently, my credit card company, Aspire, reached out to inform me about a new monthly fee that was to be added to my account. In order to make an educated, responsible decision regarding whether or not it made sense to keep my account open in light of the new fees, I requested a copy of my current cardholder agreement to compare to the new agreement that was proposed. 

When I requested a copy of the current agreement on XXXX, I was told the following by Aspire on XXXX : " Our records indicate that your account maintenance fee was recently updated and as per the new credit card terms and conditions and your monthly maintenance fee will be increased from {$0.00} to {$5.00} effective from XX/XX/2023. Hence, we are unable to provide your previous card holder agreement. '' I asked the following on XXXX : " Why am I unable to receive documentation regarding my original card agreement, especially considering that the change in maintenance fee is not yet effective? '' To which Aspire simply said ( XXXX ) : " Unfortunately, we are unable to send your Cardholder Agreement. You can find the information on Generic Cardholder Agreement. Please be advised that, Generic Cardholder agreement will be available by clicking on the support tab from Aspire Account Center. '' I then sent the following to Aspire on XXXX : " Can you please explain to me why you can't send me a copy of my current, active cardholder agreement? From ConsumerFinance.gov : 'Under federal law, your credit card issuer is required to provide a copy of your agreement upon request. ' It succinctly states that the requirement is that a copy of my cardholder agreement is to be provided, not a generic overview. '' After I sent this response, Aspire, despite previously replying in 1-2 business days throughout our earlier correspondence, ceased all communications. I believe that they are purposefully ignoring my updated request in order to stall out until the new cardholder agreement takes effect. I believe they are doing this as to skate around fulfilling their requirements as described by federal law. 

Through these actions, Aspire has shown a lack of willingness to provide consumers with the information needed to make responsible financial decisions regarding the use of the credit options offered by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: Consumer Portfolio Services, Inc.
State: CT

Complaint narrative:
I did not give my consent for these companies to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
I did not give my consent for these companies to use my credit

Company response to consumer: Closed with explanation