vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase at XXXX in XXXX, as I was going to pay, the cashier offered to apply to a XXXX credit card. I had shared I already had one and she said if I applied I would be able to get a XXXX version. I applied under the impression that I would simply get an upgrade given that I had a standing account, however, I just found out on XX/XX/XXXX that was not the case. 

I paid off my outstanding balance on what I thought was the card on XX/XX/XXXX, however, I received an Experience notice that I was delinquent on my XXXX account. 

I logged onto my XXXX XXXX and saw a {$0.00} balance, however, when I called to speak to customer service, I learned that I had 2 accounts and not just one. I was upset because I feel this was a misleading and predatory credit card application technique. 

I only spent {$160.00} and it cost me {$200.00} dollars to pay off and nearly XXXX XXXX points. I went from Very Good credit to Poor in less than 2 months. This practice of offering credit cards and not being clear right at checkout is malicious. I paid off this in full balance and opted to close both accounts. Something similar to this happened to my mother and I did not realize how bad this was until now. I feel I have generally healthy financial habits, but how many other consumers is this happening 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 non-monetary relief
Consumer complaint received 2022-10-28 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: TX

Complaint narrative:
There was a payment made in full to XXXX and account is closed. Balance is XXXX. XXXX and XXXX have updated the account status and balance. However TransUnion updated the account and balance then they changed it back to old amount due and status two days later.

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 2022-10-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of Michigan Child support, # XXXX, State of Michigan Child support : # XXXX, State of Michigan Child support : # 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-10-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of Michigan Child support, # XXXX, State of Michigan Child support : # XXXX, State of Michigan Child support : # 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 an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To Whom this may concern, The wire transfers that occurred between me and XXXX XXXX was for a business transaction. He portrayed himself to be part of an elite group called the XXXX and that was not the case. I have tried to email and contact the individual for some time now with no results. I would like for this individual to not me able to scam anyone else as I have been and please do not allow this individual to send any more wires in the future. 

I was not aware of this beforehand or I would have not conducted business with the individual. 

The wire total XXXX plus, and since I am protected by the CFPB and also the FDIC I would like to resolve the issue as soon as possible. 
Also note that the account in which the fund was pulled out is no longer an account with navy federal due to another

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: NY

Complaint narrative:
Equifax sent me results from a dispute I submitted indicating : " THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE '' ( attached Pages 3 & 4 ) however on page 7 of the dispute results the item is not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See letters sent of unauthorized inquiries on my credit report

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 2022-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
XXXX  wanted me to pay a bill of unused service. I had called XXXX for their prices/deals. I asked for home set-up but not to send the equipment as I had type of pay & could not pay. I asked if I can just set up an account & call back to send the items. They still sent the equipment. I never asked for it, never used it, nwver opened the package the equiment came in. It was never plugged in, nor opened. I didn't know the service was " on ''. I assumed how can it be on if it was never connected. After returning equipment XXXX  still wanted me to pay. After speaking to multiple of their callers always saying the same thing about payments. I finally managed to speak to a higher up who claimed the service was on & I still had to pay. O told them they can check the data if I even used but they claimed they don't store that but there is a way to check they just ignored me. After telling the woman about the first time I called I did not arrange the equipment to be sent they had sent it without my consent. She said she might be able to find that same call. Although she still claimed she will try to find out but I still had to pay, so they never even bothered to find or check the call, check if data was used. Now they've involved debt Collectors who still want me to pay for service I never requested, never used, nor should I have to pay any of it. After speaking with them they said they don't have any data they're just the company XXXX  hired. They never bothered to check the backstory or bother listening to me claiming I still have to pay. Wanting me to do payments little by little but that is still paying for the bill I should not be charged. The company name is Mercantile Adjustment Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX  XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2022-10-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: MI

Complaint narrative:
On XX/XX/2022 I submitted a dispute to the credit bureaus disputing the following listed accounts and asked for validation and verification of the accounts and not only have they not provided proof they have failed to respond. Transunion implied that I was using a credit repair company. I am not I am exercising my consumer rights to dispute the incorrect inaccurate and unauthorized information. 
XXXXXXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX  ( XXXX ) Acct : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I submitted a dispute to the credit bureaus disputing the following listed accounts and asked for validation and verification of the accounts and not only have they not provided proof they have failed to respond. XXXX implied that I was using a credit repair company. I am not I am exercising my consumer rights to dispute the incorrect inaccurate and unauthorized information. 
XXXXXXXX XXXX Acct : XXXX XXXX XXXXXXXX XXXX XXXX of Michigan Child Support Acct : XXXX XXXX Acct : XXXX XXXXXXXX XXXX Acct : XXXX XXXX XXXX XXXX  Acct : XXXX XXXX XXXX ( XXXX ) Acct : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX ) Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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: WI

Complaint narrative:
On XXXX  my family and I checked into the XXXX XXXX XXXX  and billed the amount of {$340.00} to my Capital One credit card. As we didn't go into our room until late at night, we didn't know that the room was dirty and had mold into it. The hotel was full. So we stayed one night only. The following morning, we checked out by XXXX We complained to the front desk clerk, and asked that we not be billed for the 2nd night. The front desk clerk said he could not do anything about it and would have a manager call. No manager called us. We disputed with Capital One a few days later as the hotel billed us for two nights. Capital One said they would dispute the second night amount of {$180.00} with the hotel and would call us back if any issue. NO call was received by Capital, nor did we receive a letter that the charge was rebilled to our account. Only an email notice that the hotel said it was valid. We have sent in proof to Capital One that we checked out after one night and the item billed was not correct due to the item we prepaid for was not was described on the hotel website. Very upset with how Capital One handled this. I feel I am being discriminated against.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
In XXXX I made a payment of {$880.00} to fully pay off my account. The money was taken out of my bank account and showed that I owed nothing on my credit card account. 
A week or so later I checked the account and it showed that I still owed that amount on the account. 
I called and sent messages to Comenity and they started an investigation. Everyone kept saying that it shows that the payment was made and I just happened to make the payment while their system was in transition and it would be figured out soon. 
After many calls, and many messages. They still have not fixed the problem. I have shared my bank statements and everything they may need. But nothing has expedited the process and I am still having to pay every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gatestone & Co. International Inc.
State: IL

Complaint narrative:
On XX/XX/22 at approx. XXXX, I received a phone call from Gatestone & Co. Internation Inc.. A representative by the name of XXXX XXXX introduced herself as a representative from XXXX XXXX XXXX  and that the nature of the call was to collect a debt. I informed XXXX XXXX that my debt from XXXX XXXX  was " charged off '' so why would they be attempting to collect? At this point, XXXX XXXX revealed that she was a representative from Gatestone & Co. International Inc. and that she was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX I expressed my concern about her false representation and my unwillingness to continue the call with her and I ended the call. This false/fraudulent representation makes me very concerned about doing business with Gatestone. I don't trust them or the validity of what they communicate rather verbally, electronically, or in print. I would like this matter resolved by having my debt completely eradicated due to fraudulence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FORMERLY XXXX all of the financial institutions above all violated15 U.S. Code 1681c - Requirements relating to information contained in consumer reports also15 usc 6802 a financial institution which has been listed above may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not affiliated with TRANSUNION they can not disclose any nonpublic information to TRANSUNION without my consent which I have not given any consent.

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 2022-10-28 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: CA

Complaint narrative:
THIS IS AN AMMENDED COMPLAINT FOR COMPLAINT ID : XXXX PREVIOUSLY SUBMITTED ON XX/XX/XXXX On or about XX/XX/XXXX I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/XXXX, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/XXXX, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. On XX/XX/XXXX, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/XXXX. But ( they are liars ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/XXXX, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.. 

Capital One falsely claimed to CFPB that they had credited me {$64.00} for the amount disputed to my account. ( Capital One are liars ). When I contacted Capital One about this dispute, they credited me {$64.00}, but on XXXX XXXX Capital One took back ( charged to my account ) {$64.00}. Capital One told CFPB they credited me {$64.00}, BUT CAPITAL ONE DID NOT MENTION THEY TOOK BACK THE AMOUNT OF {$64.00} ON XX/XX/XXXX. ( CAPITAL ONE ARE LIARS TO CFPB TO CHEAT THEIR CONSUMERS ). CFPB please bring justice for consumers. Please see the attached statement. The amounts and dates Capital One gave and took back are highlighted yellow in the PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am trying to participate in the temporary XXXX XXXX loan forgiveness program which has an open period called a waiver set to expire XX/XX/XXXX. I approached the original loan company regarding this same issue and filed a complaint with CFPB. The loan company transferred my account to Mohela without addressing the issue I have raised. I qualify for an additional 6 months of credit due to work I did in XXXX - XXXX for the XXXX XXXX  of XXXX XXXX. I was only credited for 6 months of work when I worked for 1 year ( commuting XXXX miles a week ). I would like the other 6 months of credit to be reflected toward my public service loan forgiveness program.

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