vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was booking a flight on XXXX. When I went to pay a screen popped up offering me a American Express Delta rewards card. This card would entitle me to XXXX miles and a {$300.00} statement credit if I spent {$1000.00} in the first three months. Being that this trip I was booking was an expensive one, I decided to take advantage of the offer and cut down on my costs. I went through all the screens and was immediately approved. A couple of months have gone by and I noticed no bonus to my account. I reached out to American Express on XX/XX/XXXX to inquire. They told me that I did not qualify because I had already had a card with a bonus back in XXXX. I was never informed of this when applying. If I had been informed, I never would have continued as I already use a rewards visa through XXXX. The representative offered to open a case for me XXXX and today I checked on that case. It seems that Amex is unwilling to correct this. That is why I am turning to you. Like I said earlier, what sense would it make for me to open another rewards credit line without the rewards? Please look into this and make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I've received several notices from Calvary SPV for accounts that have been in default due my failing health. 

CALVARY bought debts from a 3 cards and entered judgments against me XXXX XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} XXXXXXXX XXXX- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On or about XXXX of 2022, I discovered a CitiBank credit card on my XXXX checking account. Once I discovered the credit card that same day, I informed both bank entities that this credit card account did not belong to me. Neither bank has not addressed this credit card account as to this present day. However, I had CitiBank fraud department on the phone upon my first inquiry and made a payment of {$1.00} to this credit card account and CitiBank acknowledged the payment. I am requesting for both banks to properly address this issue in regards to how this credit card account was added by XXXX and for CitiBank to address my concerns when or where this account come from.

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 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
My home loan is through Rocket Mortgage. I am not working on refinancing the loan. Even though I have requested they stop contacting me with " marketing '' offers to refinance they continue to call. The approach taken recently is that the representative from Rocket Mortgage leaves me a voicemail stating they have " received all of my information '', everything is in good order and I need to call them to answer a few additional questions. 

My current mortgage is in good standing. These calls/messages imply I am working with them on a refi or worse that someone has stolen my personal information and is acting on my behalf. This seems to be a predatory lending practice and should be addressed. I will be submitting a complaint directly to Rocket Mortage through their " complaint '' department however, I doubt that will go anywhere in terms of the representatives approach/tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I was made aware that my identity was stolen towards the end of XXXX. I was made aware and contacted Navy Federal Credit union in XXXX that there were was a check/savings account opened and a credit card in my name with them. Since then, they closed the accounts but are still reporting the credit card as unpaid and it is financially hurting my credit and i am unable to be approved for a mortgage/ other credit because of this issue. I called in XXXX and they said they still are working on it. It should not take 4 months to get this resolved. ( I had a XXXX XXXX opened in my name because of this identity theft and that was already resolved ). In XXXX i sent them an email with my police report and ID 's so they can validate it was not me and still did not hear anything.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN AND XXXX BOTH UPDATED MY REPORT AS THEY ARE REPORTING INACCURATE AND NOT 100 % CORRECT INFORMATION ON MY CREDIT REPORT I HAVE REACHED OUT TO THE COLLECTION COMPANY FOR A LETTER STATING WHAT THEY SAY I OWE AND THE AMOUNT THEY CLAIM AND THE AMOUNT THE CREDIT BUREAUS ARE REPORTING ARE NOT 100 % CORRECT AND ACCURATE

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent you letter by certified mail, but you failed to remove accounts from my credit report that are unverifiable I'd informed you already they are not linked to any of my address, so how are they verified? You have neglected to remove and delete the items that I have disputed from my report, lists of the accounts are shown below. You should comply since XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Yesterday, a man attempted to contact me by calling my brother. 

I called this person.. He says that he is attempting to collect a debt. He said that he has sent mail to my home repeatedly regarding a debt I owe to HSBC bank from an account held 2009. I never received this mail. 

The man told me that if I don't pay him {$500.00} by the end of the business day toward a balance of about {$1500.00}, he would subpoena me at my job. He said that in the event that I do not pay, my debt would increase to about {$5000.00}, I would have a ding on my credit score, and I would receive a subpoena at my job this Monday. 

My court date he said will be XX/XX/XXXX. 

I have not received a summons or any mail from HSBC.

I contacted my credit bureau and there hasn't been any sign off from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
At the end of XXXX and XX/XX/2022 I had made cash deposits in both months, cash that was from a check that was made out to me as a referral fee for selling a new construction home. I had taken the checks made out to me directly to the paying bank and had them cash me out and deposited the cash into my Chase checking account. Neither of the checks were over {$2000.00}. On XX/XX/XXXX I was paid 2 more referral fees for selling a new construction home, both of those checks I also took to the paying bank and had them cashed which I then deposited into my Chase checking account. The next Monday on XX/XX/2022, I received a check from my occupation. It was another referral fee paid to me for selling a new construction home. Instead of cashing the check from the paying bank like I had done in the past I decided to to do a mobile deposit of the check directly into my Chase checking account. I may have deposited the check too early as funds had not become available to be redeemed. On XX/XX/2022 I was told there was a hold on the check deposited due to funds not available from paying bank. No information was requested from me. The following day XX/XX/2022 I was informed Chase would be closing my account due suspicious activity or because I couldnt provide information that they had requested. However I was never given the opportunity to authenticate the funds that were being deposited into my account and Chase never requested any information from me to attempt to keep my account open. Instead they informed an irreversible decision had been made to close my current checking account and never be able to open another account with Chase. When I asked why or if anything could be done I wasnt given any substantial information instead I was told there was nothing that could be done and my account would be closing. Since I wasnt given the opportunity to authenticate the funds or given a reason why my account was being closed I can only come to the conclusion that, because I am a young XXXX American living in a border town that is making large cash deposits into my account led the bank to jump to the conclusion that the funds I was placing in the account were not legitimate and not obtained from a reputable source. I feel I am being discriminated against for the previously mentioned circumstances as I was NEVER given the opportunity to authenticate my position and the funds that were being paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX of 2017, I rented a car from a car rental agency at XXXX, XXXX airport. I used my Chase Bank debit card for the transaction. During the rental, the car had a mechanical problem. I was driving the car in the mountains and the car stalled going up a hill. A tow truck was called and it needed to be towed. The repair shop told the car rental company there was NO problem, and I should just come and pick it up. I refused to come and get it for fear of the problem happening again since they didn't do anything with the car. So, the car rental company charged me because they had to pick up the car in XXXX, XXXX and drive it back to XXXX. As a side note, during these days they did not provide me with another car. 
On XX/XX/XXXX of 2017 is when the transaction happened. The amount was {$770.00}. Chase Bank refused to charge back the transaction to the car rental company saying they were provided with documentation validating the transaction. The transaction had NO signature, NO card imprint and the date of the transaction took place when I was NO longer in XXXX. The transaction is fraud with NO documentation from the car rental company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Lol I have a slim trust bank account and a suntrust credit card. Suntrust was automatically automatically taking out the balance mode on my credit card from my bank account and paying my suntrust credit card even if I didn't have the balance in the bank account. I did not authorize these transactions this happened on 4 separate occasions this has been detailed in a previous CFP B complaint. Now now, I'm being charged interest on these unauthorized hes unauthorized overdraft Charges that completely resulted from suntrust taking money out of my bank account to completely pay off my credit card balance whenever I would make a purchase on my suntrust credit card. They were doing this without my authorization or permission. Then then after they would drain my bank account to pay off the credit card they would charge me an overdraft fee. Now they're charging me interest on these 4 overdraft fees as well is as well. The credit card has a {$200.00} balance it's supposed to be 0 % interest and none of these overdrafts should have happened in the 1st place because it was suntrust taking it money out of my account that I did not have without my authorization to pay {$10.00} charges on my credit card every time it was used

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 2022-05-05 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: MD

Complaint narrative:
So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party. 

These are clear violations of my federally protected rights.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party. 

These are clear violations of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My name is XXXX XXXX and I am filing a complaint against Experian and XXXX XXXX XXXX XXXX XXXX. Two inquires ( listed below ) were placed on my consumer report without my consent. I filed an FTC report ( # XXXX ) and sent Experian a letter demanding they remove the inquiries dated XXXX XXXX, XXXX. Still as of today the XXXX of XX/XX/XXXX. Approximately 2 months after the initial letter was sent, the inquires are still on my consumer report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C 6802 ( a ) NOTICE REQUIREMENT Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 U.S.C ( b ) ( 1 ) ( A ) ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given this diclouser to opt-out, and I am demanding Experian remove the above inquires from my consumer report, IMMEDIATELY.

Attachments : the cover letter FTC report Screenshot of inquiries on my consumer report Green receipt from Experian copy of utility bill I suggest Experian remove these inquiries from my consumer report before I take legal action.

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 2022-05-05 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: MD

Complaint narrative:
I submitted 4 dispute letters to Experian regarding late payments on my report that are not accurate, for 7 accounts. I submitted letters via certified USPS mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each letter requested them to investigate the late payments, and my statement was : " I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. '' Following each letter Experian responded with a dispute result, with each account status listing : This item was updated from our processing of your dispute in { Date } On subsequent credit reports, 3 accounts with XXXX  XXXX had a comment that stated Account previously in dispute now resolved reported by subscriber. '' 4 other disputed accounts did not even contain comments to indicate anything.

Each of the 4 dispute results was responded to in a way that they failed to provide how they verified any negative information as accurate, through what agency or company it was verified, or any statements or proof from whoever provided the information. This provides me with no resolution to my disputes whatsoever. 

My dispute letters are attached.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Ive had several hard inquiries on my Transunion credit report that I have no knowledge of what they are for and never given my permission to do so. I also have incorrect spellings on my name on the inquiries and wrong addresses. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There are several others that I have no knowledge of what they are and never gave my permission for a inquiry of my credit and they are considered 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