vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was approved for a XXXX credit card ( through Comenity LLC ) on XX/XX/2020. I applied because of a sofa purchase I was making on XXXX. There was a delay in receiving the sofa, so I was charged for it as a promotional purchase on XX/XX/2020. I was charged {$2200.00}, but XXXX credited me {$330.00} due to a shipping issue. Therefore, my balance was {$1800.00}, significantly over the 12-month interest-free promotional plan purchase minimum of {$700.00}. 

My first payment was due in XXXX XXXX paid on XX/XX/XXXX ). When I went to make my second payment on XX/XX/XXXX, I noticed that they had set me up with a 6-month no-interest promo plan. I called them and the representative logged my dispute. I called today to check on it and was told they sent me a letter today denying my dispute because customers only have 70 days to make a change to their promotional plan. 

This is a bait and switch tactic. They either made a mistake or intentionly put me on the 6-month interest-free promo. It is clearly an effort on their part to increase their revenue through interest earnings. 

I only applied for this card and purchased this sofa through XXXX/Comenity because of the promotional deal. I should get what I applied for and what is applicable to my purchase. 

I am awaiting the letter of their decline of my dispute.I have included the benefit detail that was provided when I was approved, a screenshot of my transaction history, and a screenshot of the promotional plan they are showing in my account and the current balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Using debit card depositing XXXX dollars to an XXXX casino called XXXX. Bank c charged XXXX for each transaction calling it tax/ where was that paid and to whom closed my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediatly.

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 2020-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
As of XX/XX/XXXX ( my XXXX birthday ) my parents opened up a capital one credit card in my name that I didnt know about until today XXXX XXXX. I had no intentions on getting a credit card until I finished XXXX XXXX  of XX/XX/XXXX. I had no idea a credit card was in my name. I would like to close this account because I dont trust that my parents will pay it off especially if its almost been 4 years anyway. I have proof that I didnt know about this as well just by looking at the address of the time which where the residence of my parents. Please this is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/2020, MIDLAND FUNDING add a derogatory marks on my credit report per XXXX  and XXXX. Original creditors : XXXX XXXX, XXXX XXXXand XXXX XXXX XXXX XXXX XXXX.. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 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: OH

Complaint narrative:
Experian Report Number XXXX Investigation # 01 Dispute Complaints and Results XX/XX/2020 : Filed Dispute with Experian Credit Bureau for XXXX/Department of Education and XXXX XXXX XXXX/In writing through the dispute center. 

XX/XX/2020 : Results- Account Remains the Same XX/XX/2020 : Filed Dispute with Experian Credit Bureau for XXXXt/Department of Education and XXXX XXXX BY PHONE through the dispute center. 

XX/XX/2020 : Results- Account Remains the Same XX/XX/2020 : Uploaded supporting documents from XXXX  /The Department of Education and XXXX XXXX websites to support my claims with most recent balances reflected on the first page. 

XX/XX/2020 : Results sent by email from Experian : XXXX XXXX XXXX XXXX .... 
Remains " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Spoke with XXXX, a Supervisor at XXXX XXXX on XX/XX/2020 who suggested they responded to Experian with updated information to reflect the current balance. It was suggested she will mail a dispute form to me which will take up to 30 days to resolve. 

XXXX/Department of Education suggested they will do their own dispute if the report is not fixed after sending supporting documents. However, it has been updated correctly for XXXX/Department of Education.

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 2020-12-07 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: WA

Complaint narrative:
Prior to reporting a delinquent consumer debt to a credit reporting agency, Federal agencies are legally required to follow certain procedures and minimum due process requirements pursuant the 5th Amendment when reporting delinquent consumer debts to credit reporting agencies.

The Treasury has provided invalid credit information to the credit reporting Bureau without providing minimum due process to review the case and complete the administrative hearing as requested within the 30 day XX/XX/2020 deadline to respond within the notice dated XX/XX/2020. 

The agency can not prove the debt is valid, has not provided me any opportunity to review the debt nor can the agency even prove that the debt is overdue, and has not completed any investigation and provided any opportunity to rebut even an initial decision as no findings have been made. 


Once all minimum due processes and procedures have been observed within the Treasuries DMS program, ie the administrative hearing and the right to review and respond, only then can the accused be provided a 60 days notice to respond. The agency can not show that it sent any notice prior to XX/XX/2020 that provided a mandatory 60 days notice of intent to report for which to respond and prevent derogatory information from my credit file all under 31 USC 3711 because the file is still pending administrative hearing and review of the validity of the debt.

Reporting debts owed to the United States to consumer reporting agencies is governed by the DCA and the DCIA a
s codified at 31 U.S.C. 3711 ( e ). Obligations of consumer reporting agencies and state and local government agencies to investigate disputes under the Fair Credit Reporting Act ( FCRA ) arise independently of 3711 ( e ). Because the federal agency can not ( 1 ) complete an investigation to provide evidence that a hearing with a required initial hearing reconsideration has taken place as well as ( 2 ) prove that the debt is even valid due to the absence of any evidence as requested on XX/XX/2020, the reporting bureuas are required by the FCRA to delete the information from the credit file.

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 2020-12-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I opened a XXXX  XXXX  XXXX account in 2016. I planned on using the account for my brokerage account and did not do much with it. In late 2016 my account was hacked and several charges appeared that were not from me. I was not aware of the charges until receiving a letter from the bank stating the account was closed. Upon checking with the bank I discovered the account closed with a negative balance due to overdraft fees for things like gym memberships that I did not subscribe to.

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 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One continues to send me clickbait promotional pre-approval to apply for Credit Cards with no intention to keep my account open. This is the second time this happened that I applied for a Credit Card using a Pre-approval received in the mail, only for the account to be closed a week later. 

Capital One is taking advantage of vulnerable consumers who are working hard to re-build their credit history and are more likely to apply for a pre-approval for credit to start rebuilding their credit. I've spoken to someone from Capital One on XX/XX/XXXX, whom agreed that it's not right to send pre-approvals to consumers who are " blacklisted '' in the system with no intentions of actually keeping their account open, but there is nothing that can be done. 

This impacts my Credit Report, and now I have to wait 18 months for it to drop off. 

I also waited 30 minutes on XX/XX/XXXX on the phone as I requested to be taken off all promotional services advertisement in Capital One because they are misleading, but the Customer Service representative ended up NOT removing me and just telling me to call back at another time. They are not executing requests to be excluded from advertisements upon request by the consumer. 

Here are the notable events : 1. In XX/XX/XXXX, received a " promotional pre-approval '' in the mail from Capital One for a Quicksilver Credit Card. 
2. On or about XX/XX/XXXX, acted on pre-approval, received a Credit Card a week or two later. 
3. A week after having the Credit Card, my account was closed. I called in on XX/XX/XXXX and received no information. I filed a separate complaint with CFPB regarding the incident. 
4. On XX/XX/XXXX Capital One called me and said ( for the first time ) why I was removed which was some high level business reason ( no bad history with Capital One ). In any case, they said they can't remove the inquiry. They agreed its bad consumer practice to send advertisement to consumers that are blacklisted in the system, but said it is what it is. 
5. On the same call on XX/XX/XXXX - I asked to remove my information from any promotional advertisement, they transferred me to some department. I spent 30 minutes on the phone and the customer service representative ended up NOT removing my information and said to call at another time. 

In summary, there is some scheme going on at Capital One to open accounts ( maybe a business reason ) without intention to keeping them open and also to make it impossible from consumers to be taken off advertising lists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XX/XX/2020 I enrolled in a consumer credit reduction plan. I have two accounts with American Express that I enrolled in the plan. American express denied my enrollment of their products in the consumer plan because they claim I have a XXXX dispute on my account. I called them and they got me on the phone with Customer Service. The customer service agent verified that they could see that the XXXX dispute should not be on my account. The credit management representative assured me that this would be escalated to his supervisors and that it would be removed from my account. A week later I called into check on the status and was told the dispute still had not been removed. I refused to get off the line until I spoke with a supervisor. This supervisor again got american express customer service on the line and they verified that the dispute was their fault and was not correct. The customer service supervisor assured me that she had fixed this error while we were on the phone. She told me it could take two days to show up in their system. I called in two days later and sure enough it was not fixed. I asked to speak with a supervisor again and he assured me that it was moving through the process but that it still wasn't showing up in the system. Almost a week later I called in again and the dispute is still not fixed. Until this dispute is taken off my account I can not enroll these accounts in the debt management program. I have had to pay extra interest and fees because American Express is taking so long to fix this error. I have spent hours on the phone and they tell me a supervisor will return my calls and they don't. It is ridiculous that they can not quickly fix this error so that my debt management account can be complete. I am so frustrated that they keep telling me it's taken care of and it is not. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: CL Holdings LLC
State: SC

Complaint narrative:
On XXXX XXXX, 2020, JEFFERSON CAPITAL SY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation