vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/, I went to a CapitalOne Bank and made a cash payment of {$2900.00} which was the balance on my credit card ending in XXXX. The payment was applied to my credit card ending in XXXX. In spite of my efforts over a two day period, including walking back into the bank and asking them to reverse the charge which they refused to do, it took in excess of a week for CapitalOne to move the money to the correct account. I spoke with two different supervisors on the phone that said they were making notes of the mistakes and that I would not be charged any additional charges or interest. Now, they are charging me {$25.00} and said it doesn't matter because I would have had to have a XXXX balance for two months to avoid interest charges. I'm not a rocket scientist, but how do they charge interest on a XXXX balance? 

I feel this is deceptive and predatory and believe the charges are unjust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XXXX I used my Amazon XXXX Rewards Visa card on Amazon.com to order a XXXX XXXX XXXX, which was gifted to someone. The total, including tax, was {$560.00}. 
This amount was charged to my card on XXXX. 

On checkout, I selected advertised promotional financing of 12 month equal payments with 0 % interest. 

Upon receiving my statement for XX/XX/XXXX, I saw that the promotional financing was not applied, and that the amount was due in full the next month. 

My Amazon invoice confirmed that I selected financing. 

I contacted Chase via the number on the back of my card on XXXX. Both representatives told me that I had to contact Amazon as the financing was initiated through them. 

I contacted Amazon on XX/XX/XXXX via chat. 
The first two representatives transferred me upon hearing the issue. 
The third representative told me initially that I did not select financing. I corrected them via the invoice I had. The third representative then told me that they could not offer me the financing without physically returning the gifted item no longer in possession. I mentioned CFPB, and was transferred to a phone representative. 
The fourth representative immediately transferred me to another phone representative after telling me she could not help. 
The fifth representative told me the same as the third. The fifth representative said they were not aware of anyone else that could help when I asked for a further transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights under 15-USC 1681 sec 602 States I have the rights to privacy.

15-USC 1681 sec 604-A section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

15-USC 1666B A creditor may not treat a payment on credit card Account under and open an consumer plan late for any reasons. 


accounts both are from Comenity bank and both accounts are at XXXX balance. 

Victoria Secret/comenity Bank reprorted late payment for XX/XX/XXXX on XX/XX/XXXX and I've paid account in full, they reported me to credit bureaus, without my permission. I've called the XXXX spoke to a representative which she guided me to Comenity credit bureau which I sent out for a dispute, where they say nothing is guarantee. 

XXXX XXXX/Comenity Bank reported my account late on XX/XX/XXXX as well to XXXX, XXXX, XXXX without my consent as well. no update on account as well account still shows as late payment. 

These items are affecting my credit score, which makes it hard for me to purchase a home. 


thanks for taking the time to review my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX , XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/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 2023-10-12 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: TX

Complaint narrative:
I kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX , XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/XXXX, I checked my account because I was awaiting a transfer from one of my other accounts for some funds to pay for Divorce ( which I was saving ). When I checked my account, I saw that there was a charge for XXXX so I called the bank and they said that it was for a credit and that I would have to call back at XXXX XXXX. I did and they said that it was for a line of credit ( XXXX ) I had in in XX/XX/2018 so they took the funds as a payment because I did not make a payment since XX/XX/2018, they were unable to reverse the charge. So, I called back and spoke to another agent, and she said when you owe the bank money you owe the bank money and they I had to pay. She said it's either I settle, or I get on a payment plan either way I am not getting back the money. I told them I wanted to close the account they said that I had to wait until all of the charges was no longer pending then I could close the account. Later that someone contacted me and offered a particular refund which I would have to pay back as well and I said no, but the lack of humanity from this person and to empty my account, for a charge that is XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am disputing a debt against affirm because I didnt receive the product from XXXX XXXX XXXX XXXX  XXXX XXXX already resolved my claim and refunded half of the charge. I submitted a company with the XXXX and the response came back resolved and the representative stated that Affirm  should take that response inconsideration and charge back XXXX XXXX. I have submitted documentation where I have not received anything from them and I believe this company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I requested to know why my account was closed and they told me it was because my credit score was a XXXX and my credit wasnt a XXXX it was a XXXX but they closed my account and I couldnt pay it through the app or online. So I called and they sent me a link to pay through phone and the link did not work. So I called again and I was told there was nothing they could do. They then charged me a late fee and marked my account with a missed payment that I know will be marked on my credit history. Even after I payed about half of my account off.

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 2023-10-12 00:00:00
Product: Credit reporting 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXXXXXX HAS 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 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 non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXXXXXX HAS 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Driving History reported to my auto insurance underwriting department that I had a traffic violation on my driving record. This caused the insurance company to increased my annual premium by {$810.00}. When I stated to the insurance company this was wrong, I was told that their reporting agency said it was true and that the court issued points on my license per Transunion. I called the Pennsylvania Court House where I attended the trial. Per the court house, I was charged on my XX/XX/2023 citation with " XXXX - Failure to stop at a red light '', and this charge was amended on XX/XX/2023 after my trial to " XXXX - Obedience to Traffic Control Device ''. This is not a points offence per the court employee, and she directed me to the Pennsylvania Department of Motor Vehicles ( DMV ). The DMV employee told me that my license is clean, and she is not sure where the insurance company was acquiring such information because they have no record of it at the DMV. She then told me I could pay {$14.00} for a copy of my driving record to furnish to the insurance company. I then called back the insurance company and was eventually told that they could not do anything, and I had to call the Transunion Driving History. The Transunion Employee opened a case which may take 30 days to resolve. I then called back my insurance company and left a supervisor a long message that my insurance is up for renewal in 10 days, I pay my bills, I have wasted 3 hours of my life on this, and most importantly in the United States of America a person is innocent until proven guilty. Transunion is reporting charges to insurance companies not convictions which is XXXX. The insurance company supervisor called me back and told me that he directed his underwriting company to pull my driving record and that since it is clean my premium was returned to the previous year level ( with inflation of course. ) My complaint is that I should not have to file a dispute because Transunion is reporting driving charges and not driving convictions. How many Americans is Transunion disenfranchising with reporting charges in lieu of convictions?

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 2023-10-12 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: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We started to get statements from XXXX XXXX regarding a past due amount due on a credit card for our company. We do not have a credit card with BMO so we called them to get information. They stated the card was opened 2 years ago and just recently became past due of {$8100.00}. I stated we have never had a credit card and to provide, charges, dates, where this card was sent to, etc etc. They refused to provide anything and kept either transferring or just hung up. They stated they would only provide information if it was paid off first. We called several times to report this as a fraudulent credit card or to get information. The more we spoke to them, the more it seemed that they XXXX was committing the fraud themselves.

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 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally has called me repeatedly to annoy or harass me. They called multiple times a day and contacted me after I communicated with them, explaining that I had COVID and would try to pay on the next payday.

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 2023-10-12 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: MN

Complaint narrative:
For months I have asked them to investigate the information provided in my credit report, but it still remains incomplete and inconsistencies. They must present the historical record of balances and payments, but so far they do not do so.

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 2023-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Communication tactics ( repeated phone calls, used abusive language ) Electronic communications ( text message, email, social media ) Attempts to collect debt not owed ( debt was paid, discharged in bankruptcy, result of identity theft, was owed by a deceased family member ) Written notification about debt ( didn't receive, didn't know you could dispute debt ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) Threatened to contact someone or share information improperly ( contacted employer, contacted you after asked them not to ) Took or threatened to take negative or legal action ( threatened to sue, arrest you, seize property, deport you, collect exempt funds, damage your credit ) Didn't receive enough information to verify debt Didn't receive notice of right to dispute Notification didn't disclose it was an attempt to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am been telling them to stop calling as my account is already in dispute but they said that we will keep calling you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: WA

Complaint narrative:
Albert took money from me XX/XX/XXXX of {$160.00} said that they were going to give it back to me on XX/XX/XXXX then changed it to XX/XX/XXXX and now I am still fighting with them to get my money back. Theyre trying to tell me that they can not put it back into my bank account that I have to wait for a check or I have to wait for them to put it into a different account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: FL

Complaint narrative:
ive been having issues with this particular account for some month now and it does not belong to me and needs to be removed asap. I did not have a student loan with them, i already have a student loan with another company so its wrong. perr 15 usc 1681b this is illegal and you all must remove asap! this is caused by identity theft/fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: T.S. Holdings
State: IN

Complaint narrative:
Im out of my apartment with no fees, and now the IQ data collection are giving random fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: TN

Complaint narrative:
Reporting several accounts, addresses, and hard inquires 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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-10-12 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: TX

Complaint narrative:
Certain accounts on my credit report have been connected to identity theft without my explicit authorization, including my signature. I've previously raised this issue with your organization and am now making a formal request for the prompt removal of these accounts from my report. Their presence has led to substantial emotional and financial distress as they inaccurately reflect my credit history and responsibilities. If this matter is not adequately addressed, I am fully prepared to take legal action to safeguard my rights and seek a resolution. These fraudulent entries on my credit report have impeded my ability to achieve critical financial objectives, such as homeownership and providing for my family.

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 2023-10-12 00:00:00
Product: Credit reporting 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:
I had a XXXX  charge card. I paid it timely. XXXX changed banks and closed all cards and took their business to a new bank and we were all distributed new charge cards. I did not voluntarily pay off and close an account. However, Experian dropped my credit score XXXX points for closing the account.

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