vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I received notice from Aqua Finance in Early XXXX they would be taking over servicing of my existing loan from XXXX that originated XX/XX/XXXX. The Aqua servicing start date was notated as XX/XX/XXXX. 
The loan was interest deferred until XX/XX/XXXX ( XXXX  Months ). I was making regular payments ( {$1000.00} ) prior to the notice of transfer but ceased once informed. The previous company had issued statements on the XXXX of each month. When I had not received a statement by XX/XX/XXXX I contacted the Aqua Finance and spoke with XXXX. XXXX informed me there had not been and would not be any statements issued for this account until the next payment due on XX/XX/XXXX ( after the interest deferral had expired ). I informed him I must be issued a statement noting the amount of the loan remaining, the new account number, and payment directions. He assured me I would be sent one. 
As of today ( XXXX ) having still not received one I reached out again, and this time spoke to XXXX. XXXX said he had no record of a previous conversation with XXXX. He also told me there had been statements issued on XX/XX/XXXX and XX/XX/XXXX. XXXX is incorrect. 
He directed me to their website which is really intended for payments, I informed him I was not interested in paying via their website or service. When I found where statements should be available there were none. ( Screenshot of this page included ) I believe this company is making an attempt to allow me to try and forget about this loan so I am due the interest I do not want to pay. Since they have not provided me with a statement of account since they took over servicing, I believe they owe me additional deferment time as they are not presenting me the information for me to be able to accurately make my payments via my bank as I choose. 
Without a statement of account I can not confirm their billing cycles, the amount they have as the remaining balance, and where payments should be submitted. 
XXXX notified me he would be forwarding my complaint to resolutions, and someone would contact me back, however, since the information he has is not correct I am concerned I will not have a positive result. 
The original amount was {$15000.00} ; making {$1000.00} payments I was on track to pay the loan off in XXXX months, XXXX  months ahead of the expiration of the interest deferment. I now must make larger payments to avoid this due to Aqua Finances lack of proper procedure and disingenuousness, which is unfair to me. 
My last payment made to XXXX was XX/XX/XXXX, with the next having been scheduled for XX/XX/XXXX, it was cancelled as it would have occurred after the Aqua Servicing start date of XX/XX/XXXX. 
I believe Aqua Finance owes me XXXX  months of deferred interest from whenever they are able to provide me with a statement of account that arrives in my mailbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting 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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to revisit the matter of my filed complaint. I recently received notification that my complaint was closed without any further resolution.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
They called my cell and said they were sewing me for bank America for an old overdraft account which I did not have. There phone number is XXXX there name is XXXXXXXX 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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Capital One Venture X customer support line because my XXXX membership was downgraded to a basic level from XXXX 's Circle. We reached out to XXXX together through a conference call, and XXXX confirmed that maintaining the Venture X card alone will NOT requalify me as a President 's Circle. This was on a recorded line with the Capital One XXXX XXXX representative. Rather, XXXX requires XXXX members to maintain status based on rentals/dollar-spend qualifications. This is in contrary to what Capital One XXXX XXXX Terms and Conditions state. In particular, Footnote 8 from this website states the following - https : XXXX? XXXX & XXXX & XXXX & XXXX : " Upon enrollment, eligible cardholders will remain at that status level through XX/XX/XXXX, at which point they will be reverted to the level commensurate with XXXX standard usage policies. '' At no point does Capital One note that additional terms/conditions may apply from XXXX to maintain the status, but that the status would remain as long as the customer maintains the card. This is clearly not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting 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:
I urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am attempting to get access to my Equifax report however it is not reporting accurately and it is blank. I have requested this be revised and never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. Account Name  : XXXX Account Number : 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX Account Number : 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

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 unde

r 15 USC 1681. 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 non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XX/XX/2023 XXXX. {$120.00} XXXX. {$200.00} XXXX. XX/XX/XXXX - {$100.00} XXXX. {$100.00} XXXX. {$120.00} XXXX. XX/XX/XXXX - {$120.00} XXXX. {$120.00} XXXX. {$200.00} XXXX. {$200.00} XXXX. {$100.00} XXXX. {$100.00} Total- {$1500.00} I filed 2 claims which were the same incident just multiple occasions in a row and I it was also double charged on some of the above. This took place at the same business and same atms by I'm guessing the same person. The bank awarded me 1 claim which was the smallest of the 2 and denied my other but both were on the same dates and same place so my question was how would you agree with me on 1 claim and not the other.? I never received an answer from that institution they just continued to close down my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EULER HERMES UMA, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX the debt collector called my office insisting on talking to the owner, he was advised that the owner was unavailable and asked if they could take a message. The individual got irate immediately and starting yelling at my office personnel and calling them a liar and demanded they interrupt the owner. He was told that wasnt going to happen and asked again to leave a name and number. He continued to yell and scream at the office girl. She terminated the call because of his tone and behavior. He then called 3 more times within 5 minutes until my office manager got on the phone and told him he had better stop calling and talking to my girls like that. I got his number from the caller ID and called him when I was free, I had to leave a message. I informed him that I was aware of the debt and that I had full intention to fulfill my obligations as we have had a downturn in revenue. Also informed him that he was not to call the office again and/or speak to my employees like that again. Told him that any further communication was to be done via email. He then tried 2 more times in the weeks to follow. He also accompanied the calls with emails demanding full payment immediately. The last few emails that I received from them, demanded payment by XXXX XXXX  or they were getting legal involved. I again explained the situation, to no avail and met with more aggravating toned emails. I again asked to keep communication professional and he has refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America Account # XXXX. XXXX XXXX of XXXX XXXX. Re : claim # XXXX Check # : XXXX Amount : {$85000.00} Bank names above with connection to named non-profit organizations XXXX. Opened and funded account # XXXX and issued a check from the Bank of America Account number XXXX route # XXXX check amount of XXXX. To XXXX XXXX. And open. Tread account with XXXX XXXX and traded on behalf of my good name to get service and goods without my permission or consent. Around XXXX  up to date. Still no resolution of my matters. And am seeking to resolve this issue. 

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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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to revisit the matter of my filed complaint. I recently received notification that my complaint was closed without any further resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to revisit the matter of my filed complaint. I recently received notification that my complaint was closed without any further resolution.

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 2024-02-07 00:00:00
Product: Credit reporting 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:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

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 2024-02-07 00:00:00
Product: Credit reporting 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:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I stopped being able to access my citibank account since 3-4 days ago. I called citibank and they said they will need to verify my information. I gave them all information correctly but they said that " the phone number i'm calling is not verifiable '', and immediately hang up. I didn't even get the chance to ask what should be alternative options to verify my identity and get back my access to my account. I'm clearly calling from the phone number on file, and they also acknowledged it, but they hang up immediately.

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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opened a new Credit Card Account with Navy Federal in XXXX. It was my understanding from the promotional offer that I would have an interest-free period for the first 15 months. Around XX/XX/year>, I made a large purchase on my card with the understanding I would have time to pay it off without incurring additional charges. Much to my surprise, when the next bill generated, I was being charged interest. I contacted Navy Federal regarding this concern. I was advised at that time that the interest-free option was only for balance transfers and not for purchases. This was not clear with the advertising when I opened the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation