vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XXXX I was flying XXXX to Florida. When I approached the baggage check counter, a XXXX employee encouraged me to open an American Express Gold Card. She explained I would get my bag free and be awarded XXXX miles if I spent {$2000.00} in the next two months, which I did. She DID NOT explain or disclose orally or in writing that the miles award could or would be declined for any reason. 

In XX/XX/XXXX I noticed my miles award had not posted. I contacted American Express customer service on XX/XX/XXXX to inquire why. I was told the miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. None of this prior activity was mentioned as a cause for award decline when I opened the card ( which technically was a different extension of credit than the one opened in XXXX - different terms/rate, etc. ). 

The customer service rep opened a case for escalation/review - # XXXX on XXXX. On XX/XX/XXXX, I still had not received the miles award so I called American Express customer service to inquire of the status of the case. I was once again told my miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. Again, at no time was I orally or in writing notified that opening a card previously ( one with different terms and conditions ) could or would result in decline of miles awards. 

XXXX employees encouraging, offering and facilitating an American Express extension of credit without fully disclosing terms and conditions, orally or in writing, I believe is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Since opening of acct. in XXXX XXXX Synchrony XXXX XXXX XXXX XXXX credit line XXXX XXXX I use and pay off ( for gasoline to get to work ) I have attempted to login and pay balance XXXX Thru XXXX I have trouble logging in, receiving alerts, trouble with telephone number using manual payment with debit card. I have tried several times throughout day, lunch breaks, before XXXXXXXX XXXX  weekends. Website as well as application would not allow me to login. Multiple times called automated system and asked to Be redirected to CSR or live agent, when I was transferred yesterday I was ingormened that my acct. would be deleted and I would have to re-register, since then the website and app. After several, I mean 10- 15 pictures, let me past security recapture then when I enter my correct info. Tells me that i entered info wrong. I have several screen recordings at different times and days to prove this. I have tried again and again to get to speak to someone today with no luck.

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 2023-04-24 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I recently opened a American Express card. I love the card, using it, and its benefits. 

But my question that I am unable to get an answer, is when I applied I was told and led to believe it would be a hard pull. But there were two hard pills for a single account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TN

Complaint narrative:
This in regards to Dispute Confirmation # XXXX with Equifax. Their dispute process on fraudulent inquiries is unacceptable. They are required to remove fraudulent inquiries from my credit report as I provided them with an Identity theft report stating this inquiry was the result of identity theft. XXXX removed them immediately but Equifax sends back and automated type response the investigation is closed and saying " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' This is NOT a factual record! This fraudulent inquiry needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
A payment was authorized on account with representative for balance and account ending XXXX. The representative processed payment without consent on a closed checking account not used in over XXXX year. Disputed this was authorized and requested to hear call based on requested by supervisor and refused to provide me call or transcript. This representative error caused my account to report XXXX days late on credit report. Requested this to be corrected and receiving run around/avoidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Savings account been blocked since XX/XX/2023. I contact the company on XX/XX/XXXX and they ask for a utility bill, social security and license which i sent to them so they could unblock the account in about 72 hours. After that time i been trying several times to try to solve the problem. They keep giving excuses that the person in charge of solving my problem was out or that i have to be on a waiting list to have this problem solve. On XX/XX/2023 i called again and they say my utility bill wasn't good because it was a screenshot from my phone. I ask if i could send my rent agreement as a proof of residence because i dont have anything else under my name and they say yes so i did. I call again on XX/XX/2023 to see if they received my document and again they say that i have to send another bill that have a account number on it. Please i need help solving this problem. Thanks

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 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TRANSUNION IS ALLOWING XXXX  AND XXXX TO ATTACK MY CREDIT FILE. THESE COMPANIES ARE REPORTING 3 COLLECTION ACCOUNTS FOR THE SAME CREDIT FILE IN ORDER TO PUNISH ME FOR ASKING FOR THE PROOF OF THESE ACCOUNTS. THIS IS ILLEGAL. TRANSUNION CAN NOT PUNISH ME WITH THESE COMPANIES JUST BECAUSE THEY DO NOT HAVE THE PROPER DOCUMENTATION NEEDED TO HAVE ACCORDING TO THE FAIR CREDIT REPORTING ACT. I DEMAND TRANSUNION DELETE XXXX AND XXXX  ACCOUNTS DUE TO HARASSMENT AND ILLEGAL ACTIVITIES ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ). THIS IS ILLEGAL!!!!!

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 2023-04-24 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 — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I encountered an issue with a double charge for my wedding photography payment of {$880.00} in XXXX with my Wells Fargo Visa credit card. After noticing two identical transactions from two different merchants, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, I initiated two separate dispute inquiries with each merchant as I was unsure which one to file with. One dispute was closed immediately, with the explanation that it was a duplicated error.

However, the other dispute was also closed, stating that the merchant had provided the services for which I was billed, and that I had accepted the services. I strongly disagree with this decision, as I have not paid for the same service twice in one day, especially for wedding photography services.

I have spoken with Wells Fargo customer service and expressed my concerns, requesting the exact time that the transactions occurred. Unfortunately, I was unable to obtain a satisfactory response. While I was advised to file another dispute with the other charge, it had already been declined at the beginning of the process. 

I am deeply dissatisfied with this outcome, and I would like to file a formal complaint regarding this matter. I kindly request a thorough investigation and resolution to this issue, as I believe it is unjust and unfair. I would like the extra {$880.00} refunded.Thank you for your prompt 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 monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account numbers : XXXX ...., XXXX .... 

XXXX .... 

has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account number : XXXX .... 

Has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX account number : XXXX 

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 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lamont, Hanley & Associates, Inc.
State: NH

Complaint narrative:
I received a letter dated XX/XX/XXXX from Lamont , Hanley & Associates that stated that I owed {$150.00} to XXXX XXXX XXXX XXXX XXXX. There was no other information included. 

I remembered an issue with XXXX XXXXXXXX XXXX back in XXXX. Three years ago, so I looked up my credit card documents and saw that I paid Lamont , Hanley & Associates exactly {$150.00} on XX/XX/XXXX and I haven't heard from them since, until today. 

They are trying to extort the money I already paid a second time, assuming that I don't have the record of payment almost 2 years later. They need to have their accounting audited since this is clearly fraud and shows a company who's accounting should be held to the highest standards. 

I have tried to call them but it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There are times from wellsfargo where I know I have enough money and at times it disappears or things from weeks prior gets charged. Ive called and talked to them but theyve said Im looking too much into it. I get overdrafts even though I know I had enough money in my account to cover everything I pay for.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THIS ACCOUNT IS REPORTING FALSLY AND INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA IF YOU FAIL TO PROVIDE THIS DOCUMENTATION ( ORIGINAL CONSUMER CONTRACT AND APPLICATION ) AND INSTEAD PROVIDE 'STATEMENTS ' OR OTHER COPIES OF UNREQUESTED DOCUMENTATION. YOU AGREE THAT YOU DO NOT HAVE THE RIGHT TO COLLECT THIS ALLEGED DEBT. IN WHICH CASE YOU ALSO AGREE TO DELETE THIS ACCOUNT FROM ALL MY CONSUMER REPORTS. 

Under federal law, you have thirty ( 30 ) days to complete your investigation for the aforementioned documentation OR delete these items before that time OR I WILL FILE FOR LITIGATION in FEDERAL COURT. 

This alleged debt has caused considerable damage to my reputation and I will exercise all rights under the law for remedy if you do not make these corrections immediately!

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS ACCOUNT IS REPORTING FALSLY AND INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA IF YOU FAIL TO PROVIDE THIS DOCUMENTATION ( ORIGINAL CONSUMER CONTRACT AND APPLICATION ) AND INSTEAD PROVIDE 'STATEMENTS ' OR OTHER COPIES OF UNREQUESTED DOCUMENTATION. YOU AGREE THAT YOU DO NOT HAVE THE RIGHT TO COLLECT THIS ALLEGED DEBT. IN WHICH CASE YOU ALSO AGREE TO DELETE THIS ACCOUNT FROM ALL MY CONSUMER REPORTS. 

Under federal law, you have thirty ( 30 ) days to complete your investigation for the aforementioned documentation OR delete these items before that time OR I WILL FILE FOR LITIGATION in FEDERAL COURT. 

This alleged debt has caused considerable damage to my reputation and I will exercise all rights under the law for remedy if you do not make these corrections immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my account wrongfully closed for a check that was motorized and authorized by the issued party. My godfather XXXX received his state XXXX  retirement fund and doesnt have a government issued id due to loss. He was attempting to have me deposit it because check cashing places charge 20 %. Bank of America closed my account because they suspected fraud. They refuse to give me a way to reach a higher standing supervisor who can assist me. Their closure department is filled with rude young women who give sass and snarky responses at every chance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I get repeated phone calls and text messages telling me I have a judgment and they need to deliver papers or they call non stop ... it's to the point where I have to keep my phone on do not disturb. The caller is rude and says alot of mean things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There is a Macy 's credit card on my name I never made any purchases on Macys credit card. I have disputed those many many times but they are not removing it. The amount is {$720.00}. It is charged off as bad debt. The purchases was a result of identity theft. I asked them to provide me the proof of all investigations and they never 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 monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I received a statement from XXXX XXXX for a debt of {$160.00} ( which statement was dated XX/XX/XXXX ). I reached out to the original creditor XXXX XXXX XXXX, XXXX and asked why this went to collections considering my account was on auto payments. Also, why I was never given a notice that this account was going to collections or so much as a bill for this account. I was told there was nothing the company can do from a woman named XXXX. That I would have to reach out to XXXX XXXX because it had already been sent to collections. I wrote XXXX XXXX on XX/XX/XXXX explaining all of these things and asked : 1. The amount and time period of the alleged debt.

2. The full name and mailing address of the original creditor for this alleged debt.

3. Documentation showing how they verified that I am responsible for this debt, or a copy of any judgment.

I also mentioned in this letter to cease attempting to collect on this debt until they had provided me with this information. 
On XX/XX/XXXX I received another statement from XXXX XXXX. I have sent this information to all 3 credit bureaus certified mail. With the exception of XXXX  coming back because of the wrong address. 
Until XX/XX/XXXX I did not receive a response from XXXX XXXX who has informed me this is no longer under their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Have override my wishes to avoid fees I specifically ask that if there are no available funds do not allow the charges to go through. They did not the allowed charges to go through then charge over daft fees and insufficient funds fees totaling $ XXXX with in there systems Hereby pressure me to pay fees for account I did not authorize now the have place that on my credit report at XXXX {$730.00}. On their website. Capital one bank refuse clear the {$370.00}. The manager at the branch refuse to me. XXXX XXXX., I never felt so violated in my entire life. 
I have filed a complaint with the bank. Complaint # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: CORELOGIC INC
State: TN

Complaint narrative:
I've sent a certified follow up dispute letter to Corelogic XX/XX/2023 disputing multiple inaccurate accounts, inaccurate employment information, inaccurate addresses and the incorrect spelling of my name. Its been over 30s days and they have not responded. They are continuing to report inaccurate information on my consumer report and my 2nd dispute letter.

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