vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I have been a customer with Capital One, specifically their Venture XXXX Rewards card which is a Visa Signature Card for several years. I chose this credit card as Visa and Capital One both promoted ( and still do as of today ) the Auto Damage Collision Waiver as a member benefit. This benefit is still included in their terms and conditions on both the Capital One and XXXXXXXX XXXX Card websites and manuals. I rented a car through XXXX on XX/XX/XXXX for a vacation in Minnesota. I was involved in a car accident that same day and filed an Auto Damage Collision Waiver claim with Card Benefits/Eclaimsline which is a third party contracted by XXXX XXXX to administered benefits. I was informed that my claim was denied as a result of the benefit not being active from XX/XX/XXXX through XX/XX/XXXX. I have contacted Capital One, XXXX XXXX, and XXXX restlessly the past 6 months. A conservative estimate is 50+ phone calls which accounted for 40+ hours of my life. Each time I attempt to find resolution from any of the aforementioned agencies they place the onus on their counterparts. Often the conversation begins with XXXX informing me to contact my issuing bank. Capital One will differ to XXXX XXXX as the Auto Damage Waiver is a benefit provided by XXXX XXXX and not Capital One. Further, XXXX XXXX can provide no explanation to the benefit in question and why it was discontinued from XXXX resulting in the subsequent denial of claim. As recently as XX/XX/XXXX they " don't have access or records '' of the benefit in question, although they confirmed I did have the benefit. XXXX XXXX XXXX finally sent my invoice to collections after there was no movement by any of the aforementioned parties. I had since remedied the situation, however it negatively affected me as a result of failure ( s ) of all companies mentioned. Of note, at no time did I receive documentation or notice from Capital One or XXXX XXXX that the benefits to my card, specifically the Auto Damage Collision Waiver has been altered, canceled, or changed in any way, thus the benefits highlighted by the terms and conditions of their benefits summary should be honored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
FNB Omaha- inquired on my XXXX account that I did not initiate on XX/XX/2022. I believe this is a fraudulent inquiry that I did not authorize. I believe someone stole my information to start this credit card inquiry

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 2022-05-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about DIY credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While i was looking at my credit report i noticed someone tried to take a loan oout using my information this was not me nor did i have any knowledge of it. I didnt give anyone my information so i dont know who did this or how this happened.

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 2022-05-16 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:
I'm requesting the following accounts be verified properly or deleted immediately, because the account type, status date, balance updated and payment status are not displaying accurately. Also the creditor name, phone number, addresses and names are all not matching across the credit bureaus on my credit report, which is confusing if this information is suppose to accurately be verified and reporting correctly. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, US DEPT ED XXXX XXXX XXXXXXXX ( TRANSUNION ) U S DEPT ED/ XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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.

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 2022-05-16 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 XXXX XXXX  # XXXX, has violated my rights under 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 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer The credit bureaus stated my account was properly investigated but how is that possible when all bureaus are reporting different information such as The account number is different, The monthly payment is blank, the last payment made on XX/XX/XXXX but the payment history reported that I paid OK until XXXX of XXXX, The payment history of 120 days late is reported XXXX times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the date closed is different, The balance is different, and the pay status is different. All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. I have also filed an identity theft report because this account does not belong to me. 

This ground for removal they also violated my rights under According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 2022-05-16 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: Synovus Bank
State: CO

Complaint narrative:
I have made several attempts to pay my credit card bill in the amount of XXXX. I have been calling for two weeks and they refuse to process my payment. Their reasons are, the payment portal is only for selected people to pay online, the system is upgrading to a security option that will not accept any forms of payment. They could not provide me with a way to pay my credit card bill. I told them i have made a payment to them over the phone on XX/XX/2022, in the amount of {$250.00} that payment was made though my XXXX XXXX Account. Why is it an issue now, nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Early last year XXXX, I called Wells Fargo on two separate occasions asking for a credit limit increase as I was planning to make a couple of large purchases. Wells Fargo refused to increase my credit limit both times I requested it. 

In XX/XX/XXXX, Wells Fargo increased my credit limit from {$21000.00} to {$24000.00} without asking me, which was frustrating because the request had previously been denied when I needed it and had asked for it. Between XX/XX/XXXX and XX/XX/XXXX I was close to reaching my credit limit a few times. I remember trying to use my card a few times and if the purchase took me over my credit limit, the transactions were denied, which I was grateful for, because it kept me from spending over my limit. I assumed at this point that safeguards were in place on the credit card that would prevent me from going over my limit. 

In XX/XX/XXXX, I began holiday shopping and wanted to use my credit card for purchases. The transactions kept going through at the stores, so I continued making purchases and no transactions were ever denied. It wasn't until I had reached over $ XXXX in purchases over the course of the month that Wells Fargo finally started to decline purchases. I am now {$8200.00} over my credit limit, which means I am unable to use the card for other purchases, my minimum payment has significantly increased, and I'm paying even more in interest each month. I've been paying the minimum each month and it's making no difference in the overall balance, in fact it has increased between XXXX and now. Why did Wells Fargo allow this?? 

To date, Wells Fargo has failed to communicate clearly to me as their customer regarding credit limit safeguards and policies. Furthermore they have been deceptive and inconsistent regarding the allowance of purchases over the credit limit for their own profit and gain. I spoke with someone today ( XX/XX/XXXX ) in their credit card department and she said that as the customer you have to elect to have transactions declined when over the credit limit. This feature is nowhere to be found on their mobile website and this option was never presented to me. Also, if it is up to the customer to enact this option, then why were some of my previous transactions denied, but then some were allowed? It appears that Wells Fargo was making that choice for me and was doing so inconsistently. The process lacks in transparency and I believe they are acting in bad faith by allowing someone to spend $ XXXX over their limit, when previously transactions that were $ XXXX {$100.00} over were denied.

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 monetary relief
Consumer complaint received 2022-05-16 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:
I sent a letter off XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial insititution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-05-16 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:
I sent a letter off XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial insititution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and cXXXX XXXX XXXX XXXX as well as IXXXX XXXX has fraudulent information on my credit profile.

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 2022-05-16 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: TX

Complaint narrative:
I am a victim of identity theft and XXXX  XXXX, XXXX XXXX as well as XXXX XXXX  has fraudulent information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I entered into a written settlement agreement with Prosper and satisfied the terms of the settlement agreement. The settlement agreement ( copy attached along with other correspondence ) clearly specifies that Prosper " shall notify the credit reporting agencies that it reports to that Borrower 's account has been settled in full ''.

Prosper is instead reporting my account as " settled for less than the full balance '' which is considered a derogatory account on my credit. 

I have exchanged numerous emails with Prosper and Prosper is now claiming when a settlement is completed, there is only one credit reporting update that is sent to the credit bureaus which states the loan has been settled. The credit bureaus display this reporting as settled less than the full balance. 

This not what is stated in the written settlement agreement. If this was the case then Prosper should have disclosed the following language in the settlement agreement : " You confirm your understanding that the credit reporting agency will reflect your account as " settled for less than the full balance ''.

This significantly impacted my credit score and has delayed me refinancing my home and rates have increase by 1.5 % since this was reported in XXXX. 

This needs to be brought to light as there are likely hundreds of folks like me who have been misled.

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 2022-05-16 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: CarMax, Inc.
State: CA

Complaint narrative:
I made a payment for {$440.00} on XX/XX/2022 for my XXXX car note payment. However there was an error with my bank that stop the wrong payment. I realized in XXXX that I had a late charged I immediately called Carmax to bring the payment current and to tell them that it was an error. I asked for a courtesy removal of the late charge since it was an error with my bank. They refused to do so. When I have proof that it was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
While i was looking at my credit report i noticed someone tried to take a loan oout using my information this was not me nor did i have any knowledge of it. I didnt give anyone my information so i dont know who did this or how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Writing a claim against the collection agency going by CAPITAL ACCOUNTS. 
Capital Accounts send a collections letter via-mail on XX/XX/XXXX, in which we responded to them on XX/XX/XXXX. 
I disputed this collection for the following reasons ... This medical bill was issued on ; XXXX, and tried to be collected in XXXX. It has passed 8 years since this medical bill was even issued. 
This case was due to an accident which involved my medical insurance, and supposed to be billed and paid by them. 
The collection agency did not honor my legal right, and went straight to hurting my credit. 
I am looking to take them to court, but I do not see any offices affiliated with them in California. 
I would like to open a case against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
First Horizon Bank took over my Mortgage at Iberia Bank, and unlawfully issued duplicate insurance policies, because they failed to bring over the insurance information and the policy number covering the property. 
Then they billed me an extra {$10000.00} / month. I send them the copies of the policies, and it took them over 40 days to cancel the duplicate policies and fix my monthly payment amount. Meanwhile they did not accept anything but the full incorrect payment until it was fixed. Now, they are reporting me as 30 days late for XX/XX/2022, even though they recognize the error and their reps contacted me to ask me for to forgive them, and for more time to issue the corrections, see letter attached.

Company response to consumer: Closed with explanation