vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XX/XX/22 Dear Consumer Financial Protection Bureau On XXXX i deposited {$600.00} in the ATM and it Malfuctioned and DID NOT register the deposit to my account AND DID NOT RETURN the {$600.00} from the ATM. And printed a receipt show no money deposited to my account. 

I went inside and explained what happened and they said since it was a Friday, they would have to wait until Monday to open the ATM. They gave me a provisional {$600.00} credit and several days later took it back and this the response I received below : This is the response on XX/XX/22 Dear Member : This letter concerns your ATM deposit dispute submitted on. The disputed deposit of {$600.00} was made at the above-mentioned ATM location on. 
Based on a thorough investigation of your claim, we found that no billing error occurred. We do not have a record of a deposit in the amount XXXX and the information available regarding your claim did not identify excess funds matching your transaction. 
As a result, any provisional credit that was applied to your account will be removed on, which is ten calendar days from the date of this letter, at which time your claim will be closed.

( End of response ) Furthermore when they deducted the {$600.00}. I had got paid and it over drew my account causing items and bills to be returned and caused several late fees XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus where I applied for credit with your organization. I do not recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has closed my credit card without explanation. I reached out to the customer service and was told there's nothing they can do and they won't tell the reason. I have been having this credit card for a long time and I put most of my spending on this card. It has great peaks and I like this card a lot. The only flag I would see here since it is my main credit card and I used it to purchase a lot of XXXX XXXX XXXX tickets and some of the tickets got returned so there are some refunds that put back to my card after XXXX months later. Other than that, everything else are regular, normal day to day spending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX - XXXX, XXXX XXXX  XXXX 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 instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-04 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX - XXXX, XXXX XXXX XXXX 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 instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
To whom it may concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus where I applied for credit with your organization. I do not recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I already made a complaint on the telephone with Transunion a few days ago and this fraudulent telephone number is still on my transunion credit report and it needs to be removed immediately! 

This number, ( XXXX ) XXXX, is not mine and needs to be removed you can see I have always had the same number for years, please remove this bogus number from my personal information immediately, thank you.

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 2023-01-04 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On Thursday the XXXX of XXXX I transferred XXXX into my savings account. Unbeknownst to me because my savings account was at {$0.00}, my money was put on hold. I did not find this out until Sunday the XXXX of XXXX when I tried to transfer my money out of savings. I spent the next two days trying to get the money out of my savings but my bank refused to transfer it into my checking. It was not until XX/XX/XXXX that I was able to finally transfer the money out of my savings account into my checking to cover bills. However it was too late because regions hit me with a {$100.00} overdraft fee. I am XXXX and receive XXXX payments losing that much money and having that big of a negative in my account could potentially cause homelessness.

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 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Siggi LLC
State: FL

Complaint narrative:
Omni is refusing to send out a payment letter or shown its been paid by third party. They said I had to payback the lawsuit check as well. I just paid over XXXX and they are denying my proof of payment Dear XXXX XXXX XXXX, We received your recent request and need to speak with you concerning your request. Please be advised your account is held with XXXX XXXX XXXX. 
You can reach XXXX at XXXX. 
We may need to verify personal information in order to process your request. 
Thank you for choosing Omni Financial. 
Sincerely, 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 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 XXXX XXXX XXXX XXXX  Creditor : Omni Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX We have received our payment of $ XXXX. The account is paid In full Once the funds clear and the proceeds are applied to vour account. vour account will be considered closed For information concerning your account, phone me at our toll free number XXXX. 
XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT. 
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 
PLEASE REFER TO REVERSE SIDE FOR IMPORTANT INFORMATION De PLEASE DETACH AND RETURN BOTTOM PORTION WITH PAYMENT. KEEP TOP PORTION FOR YOUR RECORDS. 
Creditor : Omni Financial XXXX Account # : 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 VISIT US ON THE WEB XXXX XXXX by using debit, credit, or XXXX. Please note, paying by credit card is only for select creditors

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NC

Complaint narrative:
Identity Theft : XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$85.00} I have provided an identity theft report for the two collections accounts on my credit file being hosted by Equifax and I have already complained prior to this complaint regarding these two fraudulent collections accounts that the company XXXX XXXX XXXX never properly notified me of these two accounts back in XXXX when they began reporting these collections accounts to the credit bureaus unlawfully and beginning in XX/XX/XXXX, over XXXX complaints/disputes, from XX/XX/XXXX thru XX/XX/XXXX, they exceeded the 5 day rule in XX/XX/XXXX and after XXXX plus disputes with the credit bureaus from XX/XX/XXXX to XX/XX/XXXX, never once was a valid, legitimate invoice or statement of services provided to me - what was provided to me was a miserable copy of some statement but it did not show me what services I allegedly owe for and to this date I have never received a bill from the original creditor or a copy of an old bill after close to XXXX disputes with the CFPB and XXXX XXXX disputes with the credit bureaus, never once have I received anything XXXX show me these are two bills I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a Barclays AAdvantage Business Card. The promotion advertized 80,000 XXXX XXXX miles with {$2000.00} in purchase. I met the requirement in XXXX and have not yet received the points four months later.

I have contacted the company several times through their secure messaging. As of my last communiction in XXXX they stated it would been another 1-2 months. The terms of the offer say bonus paid in 4-6 weeks and can cometimes take 8-10 weeks. At this point it has been way longer than that and I do not think it is fair to wait another 1-2 months. 

This was my last communiction from them on XX/XX/XXXX : We are sorry to hear that you have not received your bonus miles from your introductory offer. Upon review of your account, we show that you have met the spending requirement of {$2000.00} on XX/XX/XXXX. As of today, XX/XX/XXXX, we have created a rewards case to investigate the missing miles and have the miles adjusted to your account. The case number would be under XXXX. We ask to please allow up to 1 to 2 billing cycles for the case to be investigated and completed. We apologize for the delay of the bonus miles and the inconvenience this has caused.

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 2023-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I completed a forbearance plan with the Department of Education to place my loans back in good standings with with my student loans. Upon completing my plan on XX/XX/XXXX, my previous late payments were supposed to be removed from my credit report. The Department of Education sent me a letter stating they would remove any negative reports that were on my credit for the previous 5 years. After 3 months I noticed no change in my report and reached out to the Department of Education again. They informed my that my loans had been sold to Nelnet and gave me their contact information. I then reached out to Nelnet and also stated my situation in which they sent me a letter in XXXX also claiming that they would remove the record of default from my credit history. Now we in XXXX of XXXX and still nothing has happened which is why I am submitting this claim today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Duvera Billing Services, LLC
State: PA

Complaint narrative:
Thank you for reading my request about this account with your company. I am writing today because, during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX and XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-04 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: U.S. BANCORP
State: WA

Complaint narrative:
There are over 31 hard inquiries on my report I do not reconie. XXXX XXXX resent, XXXX XXXX XXXXXXXX XXXX recent for car there is 3, loan inquiries did not do, us bank, XXXX XXXX XXXX debt consolidation. all but 3 are in correct

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 2023-01-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is the only credit bureau reporting the XXXXXXXX XXXX account. According to the Fair Credit Reporting Act this account does not qualify to be reported to my credit file due to it being inaccurate. This last dispute I attached a copy of the letter from XXXX showing they do not own this account and have no right reporting this account due to inaccurate and fraudulent account information. XXXX and XXXX have removed this account and followed the Fair Credit Reporting Act guidelines. At this point Transunion accept liable for punitive damages to my credit file if account is not removed immediately. I have attached a copy showing where Credit bureau have removed this fraudulent 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
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: CT

Complaint narrative:
Credit Corp solutions a debt collection company sent a notice to I the consumer in regarding a debt allegegy owed to this corporation. 

XX/XX/2022 Credit Corp Solutions was sent via certified mail an Affidavit of Truth along with violations committed under the FDCPA and an invoice for remedy for the total damages they committed on their behalf Credit Corp Solutions allegegy states I owe their company {$5900.00}

Company response to consumer: Closed with explanation