vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX the date of XX/XX/2022 I sent the CEO of Discover an email stating my complaints about being denied and was sent back a packet showing everytime that applied for credit and was denied showed so many diff reasons why I couldnt extend credit to them. I know my rights so in my letter I stated which laws they broke then also sent them a letter on XX/XX/2022 stating about what adverse actions that were takin violating my rightXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored when I sent this letter but when I sent that letter on XX/XX/2022 about punitive they sent me back a packet stating they have no violated any laws under there policy and there policy does not supersede federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
I sent a letter of communication to the original providers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting a settlement. Then they sent it to a collection agency instead of responding to me. The collection agency sent me correspondence instead and also sent the medical information with details from the hospital without any XXXX release signed to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I receive regular notifications that I owe Capital One ( creditor ) {$470.00} via XXXX  ( collection agency ) to XXXX XXXX  ( current owner ). I have been a long-time Capital One customer, don't recall an outstanding debt, was never contacted by Capital One about the debt... they know where to find me, and have checked with Capital One about it. My sense is this is a collections scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
REF XXXX I reject your offer to contract XXXX have not given my lawful authority to any Non affiliated third party being in possession of my nonpublic personal information.this is a notice to cease and desist all communications resulting from this alleged debt XXXX am not requesting validation from any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit .the collections of this extension of credit would be a violation of the false claims Act. I have reasonable cause to believe that United collection Bureau Inc and XXXX XXXX XXXX XXXX XXXX  XXXX ) and XXXX CREDIT CARD and XXXX XXXX .have all conspired to collect on this extension of credit through unlawful extortionate means.if there is any attempt to engage in any further collection activities on the extension of credit such as the furnishing of false credit information to the credit reporting agency XXXX will file suit for intentional infliction of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX I opened a Citibank checking account with a credit card/debit card. I received notification of the promotion through the Citibank App. The promotion was for me to deposit {$10000.00} and utilize my credit/debit card a min of 3 times for at least {$500.00} in a 3 month period. For those transactions, I would receive XXXX XXXX XXXX XXXX points. I have never received these points. I have tried on numerous occasions to contact Citibank whereby they transfer me to multiple departments who in my last conversation sent me to XXXX XXXX who also was unable to 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 non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
During the first week of XX/XX/2022, I purchased a XXXX XXXX XXXX XXXX for {$300.00} from the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Fl. When I attempted to use the card the next day to pay a bill it declined. I called the number on the back and it said I had a XXXX balance.I attempted to contact XXXX and XXXX transferred to Incomm Financial Services Dispute team . I completed the dispute form, the card number I purchased was used in XXXX, Ga. I was told to wait XXXX  days and I will receive the outcome of the investigation. I'm a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  I get prepaid cards to pay certain bills. I can't wait XXXX to see if I get my money back, I need my money now. This could be a bigger issue for XXXX XXXX families and all XXXX  that are already struggling to pay bills and to get {$300.00} stolen from you, when Incomm financial services is committing fraud by promoting this prepaid card as XXXX. Incomm ( fs ) is aware of this problem. I have already contacted the XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX and made them aware of this issue. I searched the internet about this. A story was done in XXXX, NC on XXXX this year, about these same cards and the same issue with Incomm financial services : Money stolen off card before you can use it. Incomm Financial services needs to be held accountable for committing fraud & not informing the public about this issue, so that we can make an informed decision on if we want to purchase Incomm financial services products or not. Again, I am a XXXX XXXX XXXX XXXX  on a budget, I desperately need my money refunded ASAP, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: GA

Complaint narrative:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I receive regular notifications that I owe XXXX XXXX ( creditor ) {$470.00} via Resurgent ( collection agency ) to LVNV Funding ( current owner ). I have been a long-time XXXX XXXX customer, don't recall an outstanding debt, was never contacted by XXXX XXXX about the debt... they know where to find me, and have checked with XXXX XXXX about it. My sense is this is a collections scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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 have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-16 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 have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I sold a musical instrument through XXXX XXXX for {$3900.00} on XX/XX/22. Seller sent a check dated XX/XX/22 for {$5900.00} from an account in the name of XXXX XXXX XXXX in XXXX and from a XXXX XXXX XXXX, also in XXXX. He requested that the instrument be delivered by a private courier named XXXX XXXX XXXX from the XXXX XXXX XXXX  in XXXX, IL and asked me to send them ( the courier ) {$1900.00} or the balance of check received to for transport fee. I received and deposited the check on XX/XX/22 and once my bank cleared the check and ( about 3 days ) the funds were in my account, I sent the courier the money via XXXX. Three days later on XX/XX/22, my bank removed the full amount of the deposited check from my account stating that it was altered or fictitious. I contacted the company listed on the check ( who is a legitimate entity ) and they informed me that approximately 10 of their checks were forged/ altered. I reached out to XXXX XXXX via email and asked him to immediately return the funds and he stated that he had already sent the funds elsewhere. Fortunately, I did not release the instrument, but I am out of pocket for {$1900.00} and my bank/ XXXX will not return my money even though I only acted AFTER they initially vetted the check and released the funds into my account. I immediately contacted my bank ( PNC Bank ) to report the fraud and asked them to intercede with the recipient of the XXXX transfer and they informed me that there was nothing they could do. I find this preposterous since I only acted once they fully vetted the check and released the funds to me. To add insult to injury they charged me {$120.00} in bank fees due to a brief overdraft situation and refuse to return them to me. 

I have reported this issue to the FBI XXXX XXXX XXXX XXXX on XX/XX/22 and FTC on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NV

Complaint narrative:
I have traded in my car already, this loan is paid off and transferred to someone else and its still reporting on my credit as past due. I tried to dispute it with trans Union and they did not remove the account.

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 2022-12-16 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: NV

Complaint narrative:
I have traded in my car already, this loan is paid off and transferred to someone else and its still reporting on my credit as past due. I tried to dispute it with XXXX XXXX and they did not remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
This account is not mine. This is fraudulent I have never in my life lived in XXXX  I am a XXXX XXXX and I'm only XXXX XXXX XXXX in college at XXXX XXXX XXXX I have no clue what this account is but it is fraudulent.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XXXX/XXXX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX  balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit. 

This negatively impacts my credit score and despite disputing this and calling the bureaus and XXXX  - nothing has been updated in nearly 3 months.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XXXX/XXXX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX  balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit.

This negatively impacts my credit score and despite disputing this and calling the bureaus and XXXX  - nothing has been updated in nearly 3 months.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. 

These unauthorized hard credit inquires include the following XX/XX/XXXX : TD Auto Finance XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score. 

Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: NY

Complaint narrative:
There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. 

These unauthorized hard credit inquires include the following XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score.

Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for Amazon credit card, at their offering, and received said card in due course. 
Upon receipt of the monthly statement, I had a charge of {$12.00} on the statement. Upon contacting the bank to determine the source of the charge, I was advised that it was from Amazon for the issuance of the card. They went on to say that there was annual charge of approximately {$140.00} for the card. I immediately cancelled the card and contacted the Amazon company to advise of same. They charged me {$12.00} for the initial month despite the fact that it was never used. They then reported the delinquent monthly nonpayment to the credit bureau, which I was forced to pay. However, despite making that payment and cancelling the card, they continue to use the information on my credit report, which was excellent for several years, before being lowered to good where it now sits. How many months should they be allowed to punish me for this matter? I never used the card for a purchase and did not need to pay for the honor of their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a statement in the mail from BMO Harris in XXXX. I called immediately. Spoke to person who said account would be closed and details forwarded to their fraud department. I also filed a report with XXXX. I assumed everything was taken care of until I just received another statement and discovered there is also a checking account. I did not authorize either account. I have spent over 3 hours on hold and being transferred around trying to resolve this issue with the bank. I believe that the account may have been opened by an employee of BMO Harris fraudulently to gain incentives. 
Thank you for looking into this problem

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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Company repeatedly contacts for XXXX business debts, with a different name than mine. Likely whoever owes the debt used my phone number. Multiple calls in a week, sometimes multiple per day. Screenshot included does not include all calls, as the number was blocked after the XXXX  call. I have asked them to remove me from their records but they asked for my information, likely phishing, which I refused to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I have a active sale for the property in place and I have been given the run around trying to receive a payoff for settlement which is this Wednesday coming XX/XX/2022 at XXXX XXXX. I have called numerous time and was told, oh just have your agent to call that day, its to early for a payoff etc. Finally yesterday I was able to get someone to agree to send a payoff but they said it would now take XXXX business days. XXXX business days exceeds the time of when settlement will take place. My PA real estate agent has called as I have her listed on file with the mortgage company her name is XXXX XXXX, still we can not even get a verbal payoff. 
If we dont get help before next Wednesday, the deal will be lost and then I will lose my home to foreclosure. Its almost like the mortgage company wishes for my home to proceed to foreclosure, so that they can reap the benefits of destroying my life and taking a profit in for themselves. Please please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
U.S.C. 1681 ( 7 ) 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 sc ( 6 ) ( BY ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number Please send the following information used to validate the validity of the invalidated items below ( dismote alter and explan The name of the original creditor The creditors address and telephone number The person 's name they verified the dispute Also. the procedures vour company have in place to ensure each account is 100 % corect which i doubt. 
IF YOU CAN'T PROVE I YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA, 15 U.S. Code 1681e ( b ) Compiance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be under 15 U.S.

16810 Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I wil have no choice but to exercise my nght under FRCA and pursue legal action.

Company response to consumer: Closed with explanation