vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On the XX/XX/23 I sent a request for the balance on the account, per the instruction of capital one. I instructed them the deduct the Past due amount from the Balance : {$630.00}. This is in accordance with 12 CFR 1026.21 Treatment of credit balances - as a consumer I am acting in a compliance with the Truth and Lending Act.

I have attached the letter I sent them. PER the law, it should have taken 3 days to fulfill this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
It looks like NFCU is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, NFCU randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. 

On XX/XX/XXXX, NFCU mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. NFCU did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. 

The injuries I have sustained were not reasonably avoidable because NFCU 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. NFCU 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ).

On January 1, 2023, NFCU failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ).

Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. 

The {$28.00} XXXX was just a slap on the wrist for NFCU. I highly recommend that they learn a lesson by way of stiffer penalties and fines. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I contacted wells fargo back in 2022, I informed wells fargo about the line of credit that wells fargo was reporting on my credit report using the wrong social security number. I contacted wells fargo 2yrs straight asking them to remove the fraudulent account, I was denied each time, the wells fargo account reporting on my credit report by wells fargo XXXX prevented me from obtaining a loan and getting a home for me and my family, I was also evicted out of my home in XXXX of 2022, due to me not being able to obtain a loan from any other bank because wells fargo still had this charge off on my credit report, I couldn't get a finance loan to obtain a vehicle for me to get back and forth to work, So i lost employment. wells fargo agree that for the past 2-3 years they've been reporting someone elses bad credit account on my credit report, wells fargi knowingly reported the account to all three of the major credit bureaus " XXXX, XXXX  and XXXX '' for years knowing that the social security number on the application didn't match the ssn that ; s on my credit report, I sent wells fargo a copy of my original ssn card through the cfpb and wells fargo sent me over the original application for the credit account, wells fargo removed the credit account and awarded me monetary relief, but the only monetary relief wells fargo gave was in the form of removing the account and telling me that I didn't owe the debt. I want montary relief in the form of check made out to me for the amount that wells fargo said that I owed wells fargo, I am requesting this amount which should be way higher due to the hardship I endured with this credit line reporting on my credit report, I was evicted with a back rent of {$20000.00} and I was denied financing for a vehicle due to the wells fargo charge off.

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 2023-02-22 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: GA

Complaint narrative:
im in the process of trying to purchase a home for me and my family and i noticed these inquiries and i sent a certified letter in XX/XX/2022 to transunion for these items to be removed and nothing has happened, i am happy to provide any tracking information.

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 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I filed my taxes with XXXX XXXX and decided to receive my refund on an American Express serve card. I have had problem after problem with this card. I tried to go to a bank to take my money off of the card but it said not authorized. I tried to pay a bill but the company does not accept the card as man companies does not accept American Express. I called the company which is horrible to get anybody on the phone and was told I can take my money off the card at any XXXX location. I went to XXXX and was told the cards have not been allowing people to take their money off. The XXXX worker told me it works for some people but for some it I doesnt. I swiped my card and the transaction would not go through. After trying twice I then left and called the card company and was told my account was locked due to fraudulent activity for no reason. I had to wait on hold for an hour and a half for representative to get on the phone and ask two questions and unlock my card. This is by far the worst card I have ever had to deal with. I will never again use this card once my money is withdrawn and I wouldnt recommend it to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I visited XXXX XXXX XXXX XXXX XXXX, MD on XX/XX/XXXX and I purchased a XXXX XXXX XXXX XXXX I only gave permission for my credit to be ran by one ( 1 ) creditor. I did not authorize ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, VA XXXX on XX/XX/XXXX | ( 2 ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX | ( 3 ) Capital One XXXX Capital One XXXX, XXXX, VA XXXX on XX/XX/XXXX | ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX | ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX on XX/XX/XXXX | ( 6 ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/XXXX. 

I have requested these inquiries to be deleted from my credit report. I was advised to file a complaint with your agency. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX XXXX XXXX Acct # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Thank you, 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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.

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 2023-02-22 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: IL

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
Communication with XXXX XXXX frequently involved being placed on excessive hold time. 

XXXX did not issue an email verifying payment in full and deletion of the account within the period of time they reported they would.

I was told to expect this email with receipt of payment within 1 to 2 hours. I contacted the company after 2 hours had passed to inquire where my receipt of payment was. They placed me on a hold which at the time of writing this complaint is XXXXXXXX XXXX long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was scammed {$600.00} from a party through XXXX. I paid for a puppy and the seller gave me a false address and information. XXXX will not help me because it was sent as a friends/family transfer.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports Most importantly : Violation of 18 U.S. Code 2721 - Prohibition on release and use of certain personal information from State motor vehicle records You have already being sued in federal court as Gaston v. LexisNexis Risk Sols. XX/XX/2020 for illegally selling drivers information. 

My consumer report which you provided to me is now my exhibit. Full of violations. Also I want to know if you have a copy of my written consent to furnish information about me and share with other entities. As I never signed a contract with Lexis Nexus to share my personal and private information. 

Not only that you where tracking my trips stocking and harassing me which is a crime. 

I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well Your choice. I have dealt with this harassment for long enough. For far to long my character has been defamed comments. 

I am willing to settle outside of FEDERAL court. I expect a settlement offer within 7 days of this notice or further legal action will be initiated. 


You should be ashamed of violating my rights and privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I have been paying this loan since XXXX, it was for {$10000.00} to pay for a used XXXX XXXX XXXX worth {$5000.00}. Ive had to get extensions on it, especially during the pandemic closures- during which I was charged obscene amounts of interest. Ive had it repossessed once as well. Ive paid {$11000.00} on this load and still have to pay {$9000.00} to settle it for a car thats now worth about {$2000.00} ( I cant afford to make repairs ). This loans feels like it will never end. I am always late because they wont negotiate the rate, they only offer extensions and they dont tell you what they charge will be until later. Their site is also setup so that you dont see how your payments are calculated towards your loan, you only see the transaction history and the pay off/principal balance- which is only like {$100.00} less than my original loan from two years ago, {$11000.00} later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2023 I was bnuying tickets on Delta Airlines. As I was moving through the online purchase, an offer for a American Express Gold Delta rewards card promotion appeared, offering {$300.00} off a {$1200.00} ticket price. I chose to apply and take advantage of the offer, lowering my total airline ticket price to around {$900.00}. I was approved and sent back to the Delta website ; however, there was a problem completing the transaction. I had to re-enter the flight information and this time there was no more promotion price, as I had already applied and was approved for a Card. 

After contacting Amex, they said they would be willing to open a ticket to research the marketing offer but they wouldn't guarantee to honor the offer. I chose to immediately close the account because it felt like a bait and switch. They get me on the hook for a marketing offer, but then due to the hiccup of Delta 's website, but don't follow through. Very deceptive, and worthy of a review of their marketing practices as it pertains to another party 's website being able to properly fulfill on the promise made by Amex. They should have honored the request, no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Reporting delinquent and its not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX is still showing on my credit report as of XX/XX/2023. This account status shows up as 30 days late but should say paid as agrees since it was paid off in full. The account was past due when I traded in the car and since it was paid in full, it got stuck in past-due status.

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 2023-02-22 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Credit Card Company XX/XX/23 Barclays sent me an wmail : XXXX extra points for {$300.00} chgs in XXXX, XXXX, XXXX. 
Promotion emailsaid do not reply to email. 
It was sent XX/XX/XXXX so how could I accept it XX/XX/23 to get credit for Fwb charges. I didn't think had to accept. 
I called today with ques and noone knew about promotions -- -4 people. 
Now they message me to screen shot their promotion email. I don't know how to screenshot. Too bad CS reps don't know their job. Worthless company.

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