vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for account : XXXX XXXX  But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide

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 2022-07-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a call from the CC Company " Fraud Dept. '' ( official phone # ) in XXXX asking if purchases in Florida were made by me. I said NO! As I was speaking with the 'fraud agent ' I went online to their portal and saw that there were no charges on the account. He ( fraud agent ) informed that they hadn't shown up yet and would be declined. He ( fraud agent ) said a new access code would be sent to me, to tear up the existing card and another would be sent within a week. I didn't tear up the card. And, NO card came. So, I tried to access the portal but was locked out. When I spoke with customer service ( same official tel # as 'fraud ' ) they said my email address, my tel # ( all I've had over 10 years ) had been changed. Each call to this CC company is recorded. I asked that they replay the calls and find out when the " changes '' took place and call me back. They said they would not do this since the number I was calling from was not on the account. They have no security questions nor use an authenticator app. I said look at your records before XXXX and you will see since I've had this CC it is has always and still is the same email, tel, mailing address and that all I want to do now is pay off the card and close the account. They refused. They said the 'fraud department ' would get on the line. I asked the customer service rep to stay on the line and call me back if we were to get cut off, ( since the calls are recorded ), which she did. The 'fraud agent ' came online and I told him that the customer service agent was on the line and asked if I could record the call. The 'fraud agent ' hung up. The customer service agent called back and left a voice msg ( which I still have ) saying that she checked the 'fraud department ' personnel and there was no one working there by the name of the supposed 'agent '. Now I am being told I have to give private confidential documents to the 'fraud department ' in order to access their portal. I was told that my # is NOT associated with the account since XXXX. Yet, on XX/XX/XXXX I received a text from a XXXX area code ( where this CC company has a call center listed ) asking if I had made a charge to a XXXX. I said NO! I just want too pay this off and close it out but I do NOT trust their XXXXfraud department ' is NOT compromised! HELP!!!!???

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 2022-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
Back in 2013, I had an XXXX XXXXl stay in XXXX XXXX ( I was a XXXX XXXX at the time ) for shortness of XXXX and XXXX. The XXXX  diagnosed my condition as XXXX. My health insurance denied the claim as a pre-existing condition. My provider was XXXX XXXX denied the claim of XXXX. I started getting notices from a debt collector " XXXX XXXX '' that I owed the total hosptial bill. The debt collector has now frozen our check, savings, lock box, XXXX XXXX XXXX accounts to satisfy XXXX. I received XXXX as my only income. My husband is the sole provider of our household. What are my rights? The monies that were frozen were my husbands paychecks. He wasn't even in the picture when this all occurred. But yet he is the one paying the price for this event. By law they can not take my 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 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America provided XXXX a false address located in XXXX XXXX Nevada on XX/XX/XXXX under my name and phone number in an attempt to re-open a closed settlement in XXXX. 
Bank of America then enlisted the services of the XXXX XXXX XXXX in XXXX XXXX California to send collections notices and harassing phone messages.

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 2022-07-25 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: NY

Complaint narrative:
Transunion fail to respond to my dispute. I have dispute on XX/XX/31 no update Ive called transunion and they denied that they did not receive any mail however my mail was delivered and sign up its already been 30 days and there still has been no action. I also have copies of receipt to prove that Ive sent my dispute and they were signed for : transunion keeps Updating my information with properly investigation and refuse to send a letter stating how they validate the debt. I also filled a dispute with XXXX  And they keep updating my dispute without properly verification I ask for them to send me a proof of how my debt was validate and they refused to do it. FCRA and XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. Please do not " update '' or " verify '' this information again without doing a due diligence.

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 2022-07-25 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I opened a XXXX XXXX card from Citizens Bank through an online promotion offering {$150.00} XXXX XXXX  after spending {$500.00}. I spent more than {$500.00} within the 3 month period. I never received the {$150.00}. I called the bank and they said that they have no record of the sign up offer applied to my application- which is a lie because I applied for the card through a link that included the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am a 100 % XXXX veteran who has tried many times to get mr.cooper to adjust my account for my approved property tax exemptions for my XXXX thru the state of texas. I have submitted my state XXXX federal documents to them many times and tried calling and emailing them to get resolution and nothing is happening. This company is a bad company and seems to do things like this to many homeowners in state of texas. 
Mr.COOPER is still pulling my escrow taxes from me after i have submitted all required documents and they wont acknowledge my XXXX documents for tax exemption. 
I have contacted state governor, the district attorney and nothing seems to be done. 
Is there anyone who can help omg.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Good afternoon, My name is XXXX XXXX. I recently booked a rental car ( Rental agreement # XXXX ) and had an issued with a third party company and XXXX XXXX XXXX XXXX. Please review the following listed information and documents. 

On XX/XX/22, I booked a rental vehicle through a third party company called XXXX. I reserved a fXXXX XXXX with XXXX XXXX XXXX The full amount for the rental vehicle is {$740.00}. The XXXX Company required me to deposit an amount of {$520.00} for the initial booking. The remainder of the balance of {$210.00} is due at pick-up. I used my chase business card ending in the last 4 digit # XXXX for this transaction. 
On XX/XX/22, Ive arrived at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I spoked to the receptionist and they explained me that they did not have a fXXXX XXXX  available but, they do have a XXXX that they can provide it to me without any additional charges. In addition, the receptionist advised me that I should sign up with their XXXX for an additional fee since I will be traveling on the highway and some of the roads have cashless tolls and that would automatically activate their XXXX The total upgrade charge is now {$830.00} instead of {$740.00}. I used my Chase XXXX XXXX Credit Card ending in the last 4 digit # XXXX for this transaction. I did not have the original chase business card ending in the last 4 digit # XXXX in my possession. 
On XX/XX/22, I returned the rental vehicle. I then received an invoice through my email and noticed that they charged me {$830.00} on my personal Chase XXXX Credit card ending in the last 4 digit # XXXX. The amount that I was supposed to be charged is {$300.00} since I already made an initial deposit of {$520.00} at the initial booking through XXXX. I paid a combined amount of {$1300.00} instead and should have been charged only {$830.00}. 
I did speak to the XXXX XXXX XXXX  representative after I returned my car and she stated that theres a lot of issues with the 3rd party company and I should have booked directly through XXXX XXXX XXXX. She told me to file a grievance. I am owed {$520.00}. I believe that there was a communication error with XXXX XXXX XXXX and XXXX Company or that I used two separate credit cards that may made some confusion. 

Ive attached all relevant documents in this letter. Please review this letter and all documents that are attached to it. Call me if you need me to explain any more details. My cell phone number is ( XXXX ) XXXX and my email is XXXX. Thank you for your time. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: NY

Complaint narrative:
XXXX fail to respond to my dispute. I have dispute on XX/XX/31 no update Ive called XXXX and they denied that they did not receive any mail however my mail was delivered and sign up its already been 30 days and there still has been no action. I also have copies of receipt to prove that Ive sent my dispute and they were signed for : XXXX  keeps Updating my information with properly investigation and refuse to send a letter stating how they validate the debt. I also filled a dispute with Experians And they keep updating my dispute without properly verification I ask for them to send me a proof of how my debt was validate and they refused to do it. FCRA and XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. Please do not " update '' or " verify '' this information again without doing a due diligence.

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 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
I had a mortgage with Citizen 's Bank. I sold the house and closed on XX/XX/XXXX. IN good faith, I paid the mortgage for XXXX thinking it was close to the due date. It is now XX/XX/XXXX and they still won't refund me for the mortgage payment, escrow monies, etc. After charging prohibitive fees to tell the title company how much was owed, they sent the check ( ostensibly ) to the wrong address. All my official, formal documents including the post office change of address is for my Maine address. I paid nearly {$300.00} in closing fees and none of that covered them doing their due diligence in where my refund should be sent?? I have called about 20 times. I called today and was sent to three people. The last one just hung up on me. This is an inept and CORRUPT bank. I also sent a snail mail letter and I get nothing in response. This is criminal. I am owed more than {$3000.00} and it is nearly two months past closing. When you call the bank, it is a XXXX minute wait where they pound you with a message that all your problems can be solved by downloading their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for accounts - XXXX But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide.

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 2022-07-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NC

Complaint narrative:
Case number : XXXX 1. Date of the disputed transaction : XX/XX/2022 2. Name of the merchant : XXXX 3. The amount you are disputing : {$4900.00} 4. If any of the above is incorrect, please let us know. 

I was requested to fill out an incident form from capital one. I completed the form, and provided absolutely every bit of sufficient evidence required to ensure the proper resolution of the dispute. Ten days later, Capitalone emailed me saying that I did not complete the necessary steps and denied my dispute. I have been fighting this charge for over 3 months now ; this is ridiculous and there should be an impartial third-party intermediary here to further assist with this matter. The evidence that I provided detailed exact proof of how much I was owed from XXXX with additional correspondence proof between myself and XXXX supervisors. CapitalOne deserves to have an internal investigation conducted within their fraud investigation unit because they are corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have not been able to see my online account activity or see or use rewards since XX/XX/XXXX. I have been calling and and reaching out via social media since XX/XX/XXXX. I have the social media documentation and call log on my cell phone. I have spoke directly with customer care as recent as XX/XX/XXXX. No on can provide any solution as to how I can get back use of my online account to see my activity and use my earned rewards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One has cancelled my credit card even though I have submitted three forms of identifications : a Real Id XXXX Drivers license, a passport, and a government PIV card. Capital One refused to verbally or in writing identify the reason for the cancellation. Capital One has also refused to refund the hundreds of dollars of rewards associated to the account. Per their website, I have {$660.00} in rewards. I am seeking compensation for all unclaimed rewards as well as written confirmation that the card has been cancelled ( to avoid any inaccurate and derogatory reporting on my credit reports ). 

Despite knowledge of Capital Ones refusal to unfreeze my credit card, I paid off my remaining balance on XX/XX/XXXX. I have never paid late and often pay ahead of the autopay schedule. There is no reason for the cancellation. This card has been active since XX/XX/XXXX. 

I have made numerous attempts to resolve this issue since XX/XX/XXXX when my card was first denied by vendor. I initially responded to the request for identification with my XXXX  drivers license which does not have a real id certification. I was a resident in XXXX from XXXX and a resident in XXXX XXXX from XXXX. I moved to XXXX XXXX to serve as a XXXXXXXX XXXX XXXX XXXX XXXX  and returned to the US in XX/XX/XXXX. I was unable to provide an XXXX  drivers license immediately because XXXX  requires two piece of mail along with my XXXX  DL and passport in order to obtain a drivers license. I bought a home in XX/XX/XXXX and provided a copy of my new drivers license to Capital One. These attempts resolve the issues as well as waiting for my new drivers license was the reason for the delay in filing this complaint.

Company response to consumer: Closed with explanation