vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This is my second attempt with capital one. I opened two savings went through a very discriminating process to which every other day my card would get shut down for fraud. I verified per their request and have made over the amount of payments, required for an increase over six months. As soon as Covid hit, and the bank returned not one but two for their own reasons, I quickly tried explaining but received a letter stating fraud again. I have a fraud alert on my reports because of someone Using social for a job, since having them again, it was a nightmare, stressful and makes me overwhelmed as if this was an intentional issue. This was not my fault, they didnt even call to question or ask what happened. I closed all banking, and feel very discriminated on, or put into a box of candidates to which they treat some kinda of way. I just received a notice offering auto financing?!!!! I pray the next person is advised appropriately or considers another institution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
I requested a debt validation letter on XX/XX/XXXX and I still havent received one yet. They refused to send me one within 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: MI

Complaint narrative:
XX/XX/2020 I sent Choice Recovery a letter by certified mail in regards to a debt appearing on my credit report sum of {$170.00}. The letter outlined a resolution to supposed debt and a requirement of validation. Attached is the letter and also the signature with the date received by Choice recovery of XXXX. Choice Recovery has not responded. The continue to update this supposed debt on my credit report without providing validation or solution. Shady group. Consumer advocate needed for people dealing with this bogus and shady debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
XX/XX/2020 I made a XXXX payment. Either target or I selected and inactive bank account. It was returned. Target froze the account and removed automatic payments without my knowledge. This resulted in a missed payment in XXXX which I only found out when I ran my credit report. I called and and asked what happened.They said that their system did not present the wrong account and that they mailed a notice. The problem is that mail was not being delivered due to Covid. I have been their customer for many years and have never missed a payment. I have since payed the entire account. This seems wrong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 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: IL

Complaint narrative:
I disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ACCOUNT : XXXX XXXX XXXX   ACCOUNT : 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 2020-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This was put on my credit report without any proof that it's mine. Company sent no information to me they just put it on my report and I don't know what it is. I sent a certified letter on XX/XX/2020 and XX/XX/2020 and many more before that and I have gotten no response. I called the number I found online and was hung up on on. It's been close to a year of more since I have been disputing this debt with no response. I think they are also leaving me threatening messages from unknown numbers about taking me to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I closed on a mortgage refinance from Bank of America ( Original Bank ) to XXXX XXXX XXXX XXXX ( New Loan servicer ) on XX/XX/2020 with cash out. The principal amount at BOA was {$450000.00} and the new loan amount is {$490000.00} with XXXX. The problem arises after closing and with BOA not closing out my loan and having it still active in their system and still trying to auto withdraw from a recently closed checking account. BOA incurred a bounce fee and I am also getting letters of late payment. I attempted to reach out to the mortgage department multiple times, however, their automated system tells me they are closed while their reported hours state they should be open. I have tried to have their customer service reach out to that department as well with no avail and no follow-through from BOA. I emailed the lawyers from XXXX end and they have been trying to get to the bottom of this with the lawyers from the BOA end that were handling the closing, the emails state that BOA is having system updates. My main concern is that BOA 's multiple technical issues will cause me to incur unnecessary fees and negatively impact my credit. I don't have the proper familiarity to double-check each party had taken care of what they need to but to me, this looks like BOA is failing to do their part.

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 2020-08-15 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: IL

Complaint narrative:
I disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ACCOUNT : XXXX XXXX XXXX   ACCOUNT : 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 explanation
Consumer complaint received 2020-08-15 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: IL

Complaint narrative:
I disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ACCOUNT : XXXX XXXX XXXX   ACCOUNT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal Bank account was hack and money was taken from the account. I spoke with bank, bank told me that i called just in time to stop transfer. Bank returned money to my account the following week, Stating that they observed someone entering my account adding information before make a transfer. Bank closed account open new account for security reasons. Days later money removed bank stated investigation they didnt see thing out of the ordinary and will not return money. This is a nightmare, I need my money, this couldnt have happened at a worst time. I hope this is detailed enough.

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 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since 2015 i have been fighting with some purchases I do not recognize as mine made with an Chase Amazon Credit card. Because I refused to continue paying it after I got frustrated with the procrastination of the company and a lack of reasonable response they closed my account and have been making attempts to collect a balance I do not own, including very annoying collection practices calling me out of business hours, even during weekends, collection letters, etc. On top of this they hurt my credit which brought me a lot of problems and financial hardship worsened by this pandemic crises.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received a promotion offering {$300.00} for opening a checking account, {$200.00} for opening a savings account, and an extra {$100.00} for opening both, subject to certain terms. The terms for opening the savings account was to fund the account with {$15000.00} for 90 days, within 20 business days. 

Upon opening the accounts, I linked an external account with Chase so I could fund my savings account with the required {$15000.00}. I initiated the transfer on XX/XX/2020, with an expected receipt date of XX/XX/2020. On XX/XX/2020, I checked to see that my account was funded, but I instead saw that it was not, and that the transfer was " pending review ''. No notice was given to me that this was occurring, they just decided they could hold up this transfer without telling me. The status of my transfer was then moved to " Rejected '' on  XX/XX/2020. Again, nobody provided me with any information as to why. 

I feel their advertisements and terms are extremely misleading, as apparently they believe they can prevent people from actually meeting the terms of these promotions so long as they can make a vague claim of " security '' to squash transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: AFNI INC.
State: TN

Complaint narrative:
This company Afni reported this old XXXX account on my XXXX and XXXX credit report originally back on XX/XX/XXXX. This account was disputed and removed from both credit reports sometime between the original date reported and XXXX. On XX/XX/XXXX this same account was added back to my credit report under Afni. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows them to report this information back on my credit report. To resolve, I did try to pay for a delete to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: FL

Complaint narrative:
Hello. I have an account on my report. The name is XXXX It states that was opened in XX/XX/XXXX I keep trying to dispute this account due to erroneous information on it ( dates, amount, status, last activity ) and have no luck with the credit bureaus. My requests are coming back updated! I believe that computer system that they have is trying to take information from another bureaus, but it doesn't make it truthful. 
This account shows last payment in XX/XX/XXXX. This is completely lie, I didn't even know this account exist on my report until recently. I am trying to rent apartment, that's why looking at my report right now and I am very frustrated about mistakes and inability to fix the problem with the bureaus due to their fake re-investigations. 
I have read FCRA law and understand that it's violation of my consumer rights. 
Please help me fix this problem. I will attach a copy of this account on my report and copy of credit bureau response. If you need additional information or proof of my identity please contact me. 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 explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/20 I found out that my credit lost 67 points accord to XXXX XXXX   because Synchrony decides to decrease my credit line about - {$3700.00}. They acted upon this without informed me reason why. I contacted them today to questioned their abusive practice. The customer service representative said nothing they can do because it is all accord to " evaluation '' of my financials. Then said they already sent the letter or in my email online financial statement. Which I never received either ... I believe this is abusive practice to undercut the customer 's credit score.

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established NXX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XX/XX/XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had been disputing with American Express some purchases I do not recognize as mine. I asked the company to send me a detailed report showing all purchases reported in my balance I never received it. The response received was unsatisfactory and does not resolve the issue. I don't understand why CFPB close the dispute without me, the prejudiced part, receive a reasonable solution of it. I add here the letter the company placed as a response, which did not solve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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