vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 US DEPT OF THE TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-02 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 US DEPT OF THE TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ERC
State: SC

Complaint narrative:
ERC has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX I had XXXX and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX I had already with my XXXX XXXX. Please remove this debt and stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Found out on XX/XX/XXXX that my credit card through Chase was declined. Called Chase that day explained the issue and talked to multiple people. Many didnt know why. Was told that I failed to fill out XXXX forms that they had sent ( SSA-89 and W-9 ). I was never alerted electronically ( email, text, app ) that my account was going to close due to these forms. Ive also never had to fill out these forms for any other credit card Ive had. 

I was told i could provide these forms to a chase branch. I traveled to a local chase bank later that day. The employees there were confused about what was required. They said that they couldnt accept the forms I had filled out. They had someone call their credit card office. After being on hold for too long, the bank employee gave up and told me to call them myself. 

I called Chase the next day explains what had happened. I was told I could make an appointment to hand over the forms and that this might lead to my account being reopened. I went online and made an appointment with a different branch and wrote down that i needed to submit a couple of forms. I get a call later in the day from the branch telling me that they dont deal with credit cards. I was told that I could send these documents online via the app. 

So I went on the app and went to the document upload link. There, it only let you upload forms for a dispute. Since this was the only option available, I selected it, gave a made up claim number, and uploaded the documents, hoping someone would get it and know what to do. 

This did not seem to work, and I have gotten a couple of letters informing me that I need to fill out the enclosed form if I want to change my name. Not what I was looking to do. 

I called Chase again on XX/XX/XXXX. I told them that my account was closed due to not submitting the forms, and that i wanted to open another account. After XXXX transfers, I was simply told that it would not be possible, due to the card having a promotion and that they didnt want me to take advantage of that promotion twice. They could not issue me a card without the promotion.

So Im stuck with a closed account with a lot of points, and possibly no way of reopening. Most of the people I talked to were unsure or thought it was possible. I feel that myself and the employees are uninformed as to what happened and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: NC

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states that consumer reporting agencies can not furnish an account with my written instructions. Under 15 USCs 166B creditor may not treat a payment on a credit card account under an open account as late for any purpose. All creditors have been contacted no action has been taken. 

Accounts : Capital One - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX  XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX. I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX  I had XXXX  and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX  I had already with my XXXX XXXX. Please remove this debt and stop calling me.

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 2022-10-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported Trans XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type Trans shows Open, XXXX  shows Collection ; XXXX XXXX XXXX XXXX Last Active transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  # XXXX Last Active Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

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 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 2022-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a notification on my credit report indicating that there was an inquiry on my report from Capital One. I called to check the application service, there is an application pending for credit card, which I never applied. So I believe my identity was compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XX/XX/XXXX my wife and I decided to close all of our accounts with Bank of America after deciding that we we better suited financially using a local credit union. We went to the location that housed these accounts at XXXX XXXX XXXX XXXX, XXXX, NM XXXX. The bank representative was informed that we wanted to close all accounts and pay off all charges. We moved our finances to the credit union and clipped our cards. Being a XXXX  and trying to stay out of debt we only used my wife 's credit card during XXXX and my credit history was inactive at the time. I had a decently high credit score due to never being late or missing payments on my 2 counts of credit history. I tried to apply for a credit card recently to begin building credit again and found I was rejected based on delinquency which seriously alarmed me. I ran a credit report and found a seriously delinquent charge of {$25.00} of unknown origin that was never reported or sent to us because Bank of America claimed they did not have a forwarding address and just wrote it off. This charge should have been indicated to us by the representative that helped us close our accounts. This came as a severe blow to my credit. Had we known we would have paid immediately and we should have been notified of the charge when the accounts were closed back in XXXX. I called on XX/XX/XXXX to pay off the charge and asked I could have that charge cleared as non delinquent with the credit reporting agencies due to this being an error on their part. The Bank of America representative informed us that they do not " pay for delete '', to which I replied that I understood but in this situation I was not asking to pay money to them to remove my delinquency but asking them to accurately report that they had made an error. They told me there was nothing they could do. I asked to file a complaint to which they responded that I would receive a call back which has not come.

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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had an American Express credit card for 40 years. XXXX months ago I accepted an offer to enroll one of my purchases in the XXXX XXXX XXXX The purchase was for {$2900.00}. The agreement stated that when I made my regular monthly payments, the first {$240.00} of each payment amount would be applied to the XXXX XXXX  purchase of {$2900.00} for the next 12 months and any payment amount over the {$240.00} would be applied to any remaining non-plan balance. On XX/XX/2022 I made a payment of {$1400.00} of which {$240.00} should have been applied to my XXXX XXXX  balance and the rest to my remaining non-plan balance ( which included {$1300.00} in charges made at the end of XXXX, prior to my payment ). Instead, American Express refused to apply the excess payment to the non-plan balance and instead applied {$1300.00} of my payment to the XXXX XXXX  balance. This caused my interest bearing non- XXXX  balance to carry over to the next month incurring an interest charge and making my non-XXXX  balance increase to {$1300.00} instead of the XXXX balance it would have been had my XX/XX/2022 payment been applied correctly. I have called XXXX  XXXX times to try and get the payment applied correctly which has not led to any correction. They simply say that they have no way of correctly going back and adjusting the payment since the computer does everything and there is no way to make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a preferred gold member with bofa. This means I should get a 25 % boost on rewards. 
However my card ending in XXXX ( XXXX XXXX  customized cash rewards ) isnt giving the boost on my purchases Ive tried resolving this with bofa customer service but no one helps or adjusts the points

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 2022-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credits, Incorporated
State: OR

Complaint narrative:
After checking my credit report on XX/XX/2022, I learned that there is are two supposed bills in collections, both apparently held by the following debt collector : Credits, Inc. 
XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX info@creditsinc.com The statement shows a bill owed to XXXX XXXX XXXX XXXX with a {$350.00} balance and a bill owed to one XXXX XXXX for {$98.00}. 
I emailed 'Credits, Inc ' at the above email and left my contact information. They replied back via text, stating that my balance is {$1500.00} - and to click their link to 'make the payment '. They would not say who the original creditor is for this supposed bill. I replied back several times to them asking for an explanation of what the bill is for and they will not answer me. When I view their website, there is only a page to put in a credit card. 
I have no intention of sending money ( especially a large amount ) blindly to someone. If I indeed owe a bill of any kind, I want to get it paid via monthly payments. However, I require a detailed accounting of who the money is going to first. 
This company 's refusal to respond to my repeated requests makes me suspicious as to the very real possibility that 'Credits, Inc ' is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type XXXX  shows Open, XXXX shows Collection ; XXXX XXXX XXXX XXXX Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 

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 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 2022-10-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported XXXX  XX/XX/XXXX, Exper XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type XXXX  shows Open, Exper shows Collection ; XXXX XXXX XXXX XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  # XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. 

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 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 explanation
Consumer complaint received 2022-10-02 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 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 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 2022-10-02 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
In accordance with the XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation