vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 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: TX

Complaint narrative:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : 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 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 explanation
Consumer complaint received 2022-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One-Closed account 3 months ago because they froze it ( due to their mistake ). They have owed me {$1100.00} since. Also, they refused to give me the {$340.00} in rewards. Get the run around when I call. Their response is after many years as a customer ( always paid on time or early in full ) is that my account is frozen. Something going on with this company and I no longer trust their integrity or unethical management practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 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: IL

Complaint narrative:
I just got a notification that my credit was pulled by XXXXXXXX XXXX XXXX on XXXX XXXX and i did not request any services nor contacted them, i do not even have an account with them. I recently been seeing other inquiries i did not approved nor consent on my report and previously reported them on Transunion as well. 

I don't know how they report such things without verifying if its true or not but i did not request anything

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 2022-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received a half opened envelope from Portfolio Recovery Associates in the mail. It was a summons for court to garnish my wages. This is for a {$1700.00} debt. It said I had 8 days to respond during XXXX week. Ive had XXXX communication with this company in reguards to any lawsuit. I have no current debts with them on my credit report. Nor is there any judgements against me in the court system. I called them they said to contact my payroll company. I asked when I had to answer this summons by they said they didnt know. They offered no explanations or answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The reason that I am writing its because I received a letter with some amount, that they said that I owe, and its because they add more people to my insurance policy with out telling me, or if they did, I never said it was ok to add those person and thats why my policy went up, any question I am free to answer Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone call me from chase and said my account was being frauded and that I had to XXXX XXXX to my own number so it can create an error code and with that they can be able to stop the people who were trying to access my account and that the money will not leave my account since Im sending it to my self and when I did the money left to someone else account at a XXXX bank so when I seen the money leave they said I will get it the next day which I never did so when I called chase they informed me it wasnt them and I was fraud victim but that they will investigate and see if they can recover my XXXX this was in XXXX and still not resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Pulled my Equifax credit report on XX/XX/2022. Noticed fraudulent inquiries on my consumer file. I then filed an FTC report, report number XXXX. I faxed the report and driver 's license, ss card, and utility bill to Equifax. I've called Equifax several times they still haven't " received '' /and or processed the report. " I will list the fraudulent inquiries here. These fraudulent inquiries are affecting me buying a home for myself and my family. 
Please delete asap. Thank you. 

XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a denial letter from a housing company because XXXX is reporting incorrect balance to my account. My credit score recently came back as a {$400.00} because of these problems and I lost money because I was denied based off what they reported. Everything on my credit should has a good standing status but instead its there as if its old. I still make payments on those items and Im not beyond and the amount that they have on file is about {$3000.00} over what I owe them.

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 2022-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously counted my qualifying payments. I had loans in XXXX, as well as loans in an in school deferment. I reached out with instructions to remove the school deferment and replace it with the covid forbearance, as it is an eligible status for XXXX. I also consolidated my loans, as XXXX XXXX XXXX announced that if the loans were consolidated and employment was certified during the waiver ( prior to XX/XX/2022 ) I would be awarded the highest qualifying payment. I just received a letter showing my unsubsidized portion of the consolidated loan has 5 qualifying payments, which reflects the months of employment I certified. The statement only shows 3 qualifying payments for my subsidized portion though. MOHELA is required to service my consolidation loan as one singular loan, and that loan should have 5 qualifying payments, as the deferment was waived, and I certified employment from XX/XX/2022 through XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/22, we noticed an {$8100.00} withdrawal from our checking account with First Horizon Bank. Upon further inspection, we saw that a check we had written to the utility company XXXX XXXX XXXX, XXXX, and XXXX ) for {$220.00} was changed to {$8100.00} and the payee changed to XXXX XXXX. This check was originally deposited into a blue USPS mail box at the XXXX Tennessee XXXX XXXX. We immediately notified First Horizon who told us to file a police report with the XXXX Police department. We filed a police report and completed an affidavit at the bank on XX/XX/22. We were told by the bank it could be 3-6 months before we receive our money back. At the end of XXXX, the detective for the XXXX police department informed us that she had completed her investigation and turned the investigation over to the US Postal Inspectors. She stated there were multiple victims and all had received their money back except us. She said she would email her contact at First Horizon to inform them. We called First Horizon to inquire about our funds who told us the investigation is still pending, and that the check was deposited into an ATM at XXXX XXXX XXXX, so they are waiting on XXXX XXXX XXXX to give the money back so they can credit our account. We were also informed that only a branch manager can provide a provisional credit. We called the branch manager who said she will not provide us a provisional credit for this amount. We have been banking with First Horizon for over 50 years and have always had our accounts in good standing. We have filed two complaints with First Horizon XXXX XXXX on XX/XX/22 and XX/XX/22. On XX/XX/22 a First Horizon representative told us that she spoke with security and they said we need to call XXXX XXXX XXXX and ask them to give our money back because XXXX XXXX XXXX  will not speak to a 3rd party. This answer is unacceptable. On XX/XX/22 we received a letter from the DOJ victim notification system informing us that the person responsible for the stolen check has been in XXXX XXXX Custody since XXXX and has a court date in XXXX. The defendant is charged with robbery or burglary- mail, money, or other property of United States and theft or receipt of stolen mail. We again informed the bank on XX/XX/22 to prove to them we are victims. They asked that we send them our victim notification letter as proof. I have asked multiple times to speak with someone in security but never receive a response. Our funds are being withheld from us by our own bank and we have been told its up to us to get our funds back from another bank who we do not have accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just got a notification that my credit was pulled by XXXXXXXX XXXX XXXX  on XXXX XXXX and i did not request any services nor contacted them, i do not even have an account with them. I recently been seeing other inquiries i did not approved nor consent on my report and previously reported them on XXXX as well. 

I don't know how they report such things without verifying if its true or not but i did not request anything

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 2022-12-23 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: TX

Complaint narrative:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX .... Account Name : 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 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 2022-12-23 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: TX

Complaint narrative:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX .... Account Name : 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
1 ) In the email I was sent to access the card it says " to activate a pin just punch XXXX in the first time I use it. That didn't work and it declined. When I called ( XX/XX/2022 @ XXXX ) they had me set up a pin over the phone. Then today ( XX/XX/XXXX ) when we called the woman said the cards don't have pins = their information on pins is incorrect. 
2 ) In the email it says to enter my name and address when a vendor asks for that info. But then on the phone call on XX/XX/XXXX the woman said no name or address is attached to the card so we can only do online purchases that don't ask for that info. Which is literally XXXX. What online vendor does not ask for name and address when entering credit card information. The information in the email and on their website says to enter the info like a credit card.

3 ) It does not work with my XXXX pay which is what was advertised and why we bought it. When I called on XX/XX/XXXX they said they were having problems with mobile pay and they couldn't tell me when it would be fixed. 
4 ) I tried to use it on XXXX, it didn't work. I tried to buy and XXXX gift card with it, it didn't work. I have no idea what online vendor would not ask for a name and address so I can not see how it can be used online. 

Perhaps I didn't read the fine print. But in the least this is FALSE ADVERTISING..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
All our family has been a faithful customer of Capital One for over 20 years. Without any notice or explanation they simply closed our checking, savings and credit cards even when we always paid on time. 

Capital One is refusing to tell us why they closed our accounts. This placed a hardship on our family because many bills were being paid with the credit cards. I was stuck in Collage without any means to pay for food or anything else until days later we mailed her another CC from a different bank. My mother or father could not pay for anything at the grocery store in total embarrassment to her in front of the store clerk and other customers. Many bills bounced all of a sudden and we did not know why since Capital One never bothered to give us notice or explain the closures. 

We always paid on time and never did anything illegal. Capital One did not allow us to explain anything since without notice they closed all accounts and are refusing terminally to tell us why. 

I know Capital One has been sued for the exact same reasons in cause no XXXX XXXX XXXX XXXX XXXX XXXX XXXX : on behalf of himself and all others : similarly situated, : : Plaintiff, : : Civil Action File No. 
v. : : ___________________ CAPITAL ONE BANK ( USA ), N.AXXXX, a : National Banking Association, and even when they lost this class action lawsuit they continue doing the same wrongful actions against their customers. 

I want a full explanation and a reconstitution of all our accounts and XXXX plus an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I have contacted XXXX XXXX multiple times since 2020 to remove this collection off my credit. We moved in XX/XX/2020 to north Carolina clean apartment to perfect condition and lease was up. I even took pictures and video of the apartment day we left and still no one ever ask to see anything. I am asking to be removed from my report. 

Under 15 USC code 1681 I asked for an investigation into this and no one spoke to neighbor called or investigated anything.

( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: MI

Complaint narrative:
My older Federal Student Loans from XXXX starting from 2018 are not reporting to Equifax which is drastically effecting my credit score. And My credit cards and accounts aren't reporting to my Equifax either. Please fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have applied for the offer extended to me by The Huntington Bank that required {$3000.00} spend within 90 days. 
Since I was working abroad until XX/XX/2022 I have called the bank upon my return on XX/XX/XXXX and inquired the current TOTAL spend on the account upto that date. The figure I was given was {$1500.00} which should have included a refund from XXXX XXXX ( over {$100.00} ) that took place back in XXXX before I left the country. That's what the meaning of the word TOTAL is. I then was informed that I have to meet the spend of {$3000.00} by XX/XX/2022. Thus the TOTAL spend taking place was {$1500.00} until XX/XX/XXXX and additional {$1500.00} in purchases until the XX/XX/XXXX offer 's closing date giving a TOTAL spend of {$3000.00}. 
When I called the customer service on XX/XX/2022 I was told that the info provided to me during the call on XX/XX/XXXX was incorrect and the {$3000.00} spent wasn't met thus I do not qualify for the {$300.00} bonus. Please note that the total spend on all of the card during its existence approx {$3200.00}. 
Frankly as business owner it is truly appalling the the customer service supervisor was not even professional enough to listen what the customer had to say but to talk over the person with a very arrogant and unprofessional demeanor. Furthermore when I asked for a personal ID he told me that he doesn't have to give to me and the only info he would produce is that the call was taken out of XXXX ( MI? ) location.

Company response to consumer: Closed with explanation