vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022, I placed a dispute # XXXX with the Capital One credit card dispute department against a merchant ( XXXX XXXX XXXX ) that after processing a transaction on my credit card for the amount of {$170.00} the sale associate did not give the item. I called the phone number provided in the email and spoke with a customer service representative. I splain that the merchant charge my credit card and never give me the item due to the sale associate was in an argument with another customer and the sale associate stated that they need to verify their inventory. I wait until XXXX XXXX  went the mall was about to close but this merchant refuse to provide me with the item. Once I arrived at my car I call Capital One customer service and report the accident. On XX/XX/2022. I received an email from Capital One Bank stating that they were working hard and need more documentation. I provided the purchase receipt and some flyers of the purchased item. 
On XX/XX/2022, I received an email stating that my claim was denied. I called the Capital One dispute department and requested the reason, they said I did not provide sufficient documentation. I splained again what happen the customer service representative said that the person I previously spoke to had placed the dispute as a refund request. I specify how I can request a refund if I never received the item. He direct me to place another dispute indicating that I never received the item. Today, I received another email from the Capital One dispute department stating that my claim was denied. I called customer service and request to speak to a manager. The manager XXXX said the determination was final and there is nothing I can do to get the transaction reversed because the merchant had provided financial documentation proving that they give me the item. I do not know what documentation can be provided to prove that I did receive the item because I did not receive the item and the only thing I have is the receipt and the phone call I placed to Capital One on the same day of the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi I need your help. Last week Citibank closed my bank account without any notice and I have XXXX in that account. When I went in person to my local branch manager I spoke with XXXX XXXX and he told me that he is not sure where the money is. It may have been mailed. I have not received a check and have no funds to pay my bills or live off. Please help me get my money back from Citibank! This is absolutely outrageous I am a XXXX  and almost had a XXXX XXXX at work.

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 2022-09-19 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: NV

Complaint narrative:
Hello, after carefully reviewing my consumer report i have realized that according to The Fair Credit Reporting Act 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) states " the term consumer report does not contain information in regards to sensitive details such as transactions and or experience between the consumer and the person making the report. '' and as i realized that late payments are a form of transactions, and Utilization is a form of experience created by credit usage. i have realized that a few of my consumer rights have been violated. 

XXXX, Equifax, XXXX are all listing a late payment from ( XXXX XXXX XXXX XXXX XXXX  ) as well as reporting credit usage for all of my credit card accounts which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my XXXX XXXX XXXX XXXX  XXXX XXXX 

Usage/ Utilization are a form of Experience as a byproduct of credit usage, AND late payments are a form of transactions. 

USC subsect 1681b ( a ) ( 2 ) says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it related. from what i understand i have never gave XXXX, XXXX, OR equifax any kind of written instruction to report any late payments or any sort of usage, any transactions or any experiance created by credit usage on my consumer report. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose says, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and it also says the banking system is dependent upon fair and accurate credit reporting. INACCURATE credit reports directly impair the strength and honesty of the banking system. and ANY unfair credit reporting ruins public trust and confidence in the banks which directly affects banks negatively. 

MY PRIVACY HAS BEEN VIOLATED and nothing about any of these transactions or experience reported by these 3 companies ( XXXX, EQUIFAX, XXXX ) is a form of violation to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have submitted letters to request my alleged ownership of the accounts but so far have not gotten any mailed response to my request. i have been a victim of identity theft and i requested to get all copies of my signature documents which is alleged to prove ownership of the accounts.so far i have not heard any response but the accounts are still showing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In early XXXX, I reached out to a Small Business Banking specialist to apply for a Business Line of Credit for my business. I am not a current customer of BOA and was looking to transfer my main accounts over and establish a relationship. My company has been around since 2016 and have done substantially well for ourselves. My credit is superior as well as the business credit. So, I have never been denied a credit request in my life not has my business. That is until I applied at BOA. Imagine my surprise once I was told that I was denied and would be told the reason via mail for a business that grosses and averages over {>= $1,000,000} per year, even during the pandemic. It absurd. My taxes are current. The business taxes are current. My credit is great, and the business credit is great. The company is and always has been profitable. But yet, I was denied a BLOC for whatever reason.and I can only it is one reason. I am a XXXX XXXX XXXXXXXX, and this is no secret that companies continue to XXXX  against business XXXX or XXXX  business owners and its sickening. I was always aware of companies such as XXXX XXXX and their rampant and blatant XXXX  practices, but I was unaware that BOA did the same thing. 

Normally, I would take my business elsewhere, but I can no longer bow down to these systematic XXXX issues that will continue to plague the society that my children will have to live in. Bank of America you should be ashamed of yourself. If you will continue to behave in this manner, be bold about it. Let the world know what you stand for so that every XXXX and XXXX  client you have can make an informed and conscious decision on whether they should bank with your company. 

How do you explain denying a consumer that has never received a denial letter in her life. I have always been approved or offered a counter offer but never ever ever have I been denied nor do I have any reasons to be denied. This is absolutely disgusting and disheartening.

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 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery ( PRA ) stated that they hold all required license to do business. Upon my own research I found PRA does not have a collection agency license in NV. I have asked Portfolio Recovery several times to show their license as their right to conduct debt collection activity in NV and they have not. They just keep saying they " hold all required licenses ''. 

This is a blatant lie and misrepresentation of facts in an attempt to collect a debt which is a violation of the FDCPA. Also pursuant to XXXX XXXX a debt collection license is required to operate and conduct the business of a collection agency. Portfolio Recovery is in noncompliance with FDCPA and NV state law. Covered persons are prohibited from engaging in any unfair, deceptive, or abusive act or practice '' in violation of the CFPA. 12 U.S.C. 5531 and 5536 ( a ) ( 1 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: NJ

Complaint narrative:
my credit was ran by someone, I did not authorize and don't no the company this is a fraud and i need them removed from my credit report. 
XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I never agree to theses two companies to be on my credit report XXXX XXXX XXXX  and Synchrony financial I'm trying to build my credit not tear it down

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
On the XXXX of XXXX my account was suspended for a transfer that didnt go through and was told that I needed to send in Id front and back and an utility bill for proof of address and also a bank statement to show the account was mine those documents was sent in on the XXXX still no update or any type of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loans came out of forbearance in the Spring. My repayment amount is almost {$900.00}. I begged and talked to Navient about repayment options or plans. a month. Navient staff would tell me that repayment options would cut my monthly payment in half and ask me to complete a questionnaire to determine my new, lower repayment amount. However, the new payment amount would only be less than a {$100.00} cheaper. Interest only was still $ XXXX. None of their repayment options were beneficial to significantly lower my payments like I was told. Navient staff are not knowledgeable about the type of loan I have or the available repayment programs. I was constantly misinformed and misled. Misinformation and lack of knowledge by Navient staff created obstacles to repayment. 
Even though I was in daily communication with the company, and making payments, Navient continued to call and threaten myself and my cosigner. Calling up to 7 times a day. Navient staff stated that I was lying about owning a home even though it is on my credit report. They questioned every item on my credit report and stated that I was lying about my monthly expenses. Staff criticized my discussion to go to college and take out student loans. I was XXXX when I took out the loans... 
Even thought I was on a payment plan and making the payments, Navient processed the payments incorrectly. Then Navient reported delinquent payments to the credit bureaus while I was on a payment plan making on time payments. 
Navient has failed to act when I complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: TX

Complaint narrative:
I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor.

According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.

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 2022-09-19 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: TX

Complaint narrative:
I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 
According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: CA

Complaint narrative:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/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 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
I made my Mortgage payment for XX/XX/2022 on XXXX, XXXX 
I started receiving phone calls that I had not made my Mortgage payment. 
I called XXXX XXXX XXXX on Monday XX/XX/2022 to ask what the problem was. 
The lady told me she found they had applied payment to my principal and not the payment. 
She told me it was fixed and all good. 
I continued receiving phone calls and emails from Lakeview Mortgage saying if I didn't make my payment late fees were going to be added. 
They added them and sent me another statement saying my Mortgage was overdue and needed to be paid ASAP. 
I called them back today XXXX to find out what the issue was. 
I was told the problem was the payment was applied as Principal and not payment and she would fix it. 
I told her that I needed a new statement, not one falsely saying I had missed a payment. 
I was told that a new statement would be available in 5 business days. 
I explained to her I need the statement as I am buying a new home and my lender requested it. 
She again told me I had to wait 5 days for a statement. 
I can understand if it was my fault, but it is clearly Lakeview 's and not mine as he agreed. 
Explained to her I needed this ASAP as my current home is sold and I need to be out of my current house by XXXX. 
She again told me I had to wait 5 business days. 
I reminded her I had called a week earlier and was told this was fixed and her response was it takes 5 days for a new statement to come out. 
I told her again I had called the week earlier, and she told me again it would take 5 business days. 
IT is clearly their fault the way the payment was applied and I need this statement now and I should have gotten one from the last call. 
Please help 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 2022-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: NV

Complaint narrative:
Noticed a hard inquiry for a company I never applied to XXXX XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation