vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX and XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : under the written instructions of the consumer to whom it relates. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make XXXX  consumer report containing XXXX  of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I attempted to log in to my account and transfer money to pay a bill via XXXX through my bank account. Their software would not allow me to transfer the funds via XXXX. I called multiple times trying to fix the problem and the customer service reps either did not know how to fix the problem or did not want to fix the problem. At XXXX point they transferred me to an XXXX  person, but once that person understood that I had to use a XXXX  when accessing my account online, the XXXX  person had no interest in solving the problem and did not care that I was unable to use XXXX 's online service provided by my bank account. I am XXXX and do most of my business online via my XXXX  computer.

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 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called Capital One on Friday ; XX/XX/XXXX about my payment being late for the month. The XXXX  said ok. 

I paid on XX/XX/XXXX, XXXX {$51.00}. I also paid on XX/XX/XXXX, XXXX {$30.00}. 
I received a letter in the mail on XX/XX/XXXX that my credit card was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
Please accept this letter as my formal writing request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My husband and I purchased our first home in XXXX of 2023 and of course we were over the moon but also overwhelmed. Upon purchase we were going to need a brand new washer and dryer and found one at Lowe 's that we really loved. During the closing process I had some people suggest that I invest is a Store Credit Card that we would use exclusively for purchases regarding our new home. 

When I eventually got the Lowe 's Credit Card I created the account and it came in very handy. We were able to purchase a new washer and dryer and eventually a new dishwasher. But now the card has become the biggest financial burden we have. I noticed I was being charged interest every month but didn't think anything of it as the interest charges were low. I assumed the interest charges were a result of us actively using the card until XX/XX/2023 when we hadn't used it at all and was charged {$90.00}. I called to ask what the going on and was told that as long as I owed money on the card I was going to be charged interest every month until the card was paid off. My husband and I continued to make payments leading up to XX/XX/2023 when I was charged {$190.00} which essentially canceled out the last payment I made on XX/XX/2023 of {$140.00}. 

I filed a complaint on XX/XX/2023 and I have yet to hear back from them despite attempts to reach out over social media.

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 2024-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a high yield savings account with American Express for over TEN YEARS. i started a new career and my first paycheck deposited {$50.00} to this account. While waiting for the remainder of my paycheck to arrive in mail I needed to use MY {$50.00} that I choose to put into my ten year old amex savings account. I updated the transfer bank accounts on the savings so I could transfer half to my new XXXX checking and rest to my providers checking. I verified the silly small deposit amounts successfully of course and input the two transactions. AMEX WITH ZERO GROUNDS OR REAL VERIFIABLE RED FLAG OR REASON AMEX REVERSES BOTH DEPOSITS WITHOUT MY APPROVAL AFTER FUNDS LEFT THEM AND WENT TO OTHER ACCOUNTS CREATING A GREAT DEAL OF STRESS, problems and effecting my life and new job. They sent me a tacky email saying to call them with zero reason so I step out of my office to call and tbey cant put me thru or tell me anything and wasted my time and then looked online to see they reversed my transfers and withheld MY MONEY WITH ZERO GROUNDS OR VALID REASON. I PASSED ALL THEIR RUDE STUPID VERIFICATIONS YET THEY NEVER LET UP ON THEIR HARASSMENT AND VIOLATIONS AND ABUSE ON ME, MY LIVLIHOOD AND MY RIGHTS AS AN AMERICAN CONSUMER. I SPOKE TO XXXX WHO WAS NASTY, RUDE, DISHONEST AND PURPOSELY DID NOT FOLLOW MY INSTRUCTIONS AND ORDERS ON CLOSING MY ACCOUNT. SHE WAS THE WORST HUMAN IVE EVER ENCOUNTERED IN MY LIFE AND HAS NO PLACE HANDLING OTHER PEOPLES MONEY. SHE IS MENTALLY UNSTABLE AND HORMONALLY UNBALANCED TO WORK IN A PUBLIC POSITION. 10 years means nothing to American Express as we are just a number and they have XXXX value in their customers and all they care about is ruining lives and stealing money from struggling citizens over ridiculous {$20.00} transactions. Ive never been treated so bad in my life XXXX instead of finishing the Transfers She reversed them without my approval, and now I have no idea how or when Im getting my money which is not how people should be treated. No money is safe at American Express. I want my money and I want it ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX says I owe them money and I do not. I had already experienced Identity theft and explained that to them and they continously harrassed me via telephone. Now they have passed it over to XXXX and still I am dealing with this issue which is keeping my credit at a low stand still. This occurred in 2015 ( when I found out ). The debt is about {$10000.00}.

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 2024-01-07 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States 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 any reason or purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle Mortgage took over our XXXX, promised to continue servicing the autopayments for interest, failed to do so, failed to send monthly statments and has tried to conceal their efforts to pad our principal by over {$6000.00}. This is outright banking fraud. We paid a {$75.00} fee in XXXX to XXXX XXXX XXXX XXXX. Its on our statement. XXXX/DMI charged it again in XXXX and is trying to maintain their lie that it only got charged once. The statements don't lie. Thats why they don't want to provide monthly statements. The monthly bills would totally reveal their fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I have a cosigner who had a good credit score back when we initially got my truck in 2020 my three year was up and unfortunately hit my hunters credit score dropped so the guy told us theres nothing we can do unless you put money by the whole car outright Unfortunately I just lost my sister unexpectedly and they just came and repo my car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/23 my account was hacked and scammed someone pretended to be a chime representative and stole {$3500.00} out of my account. My account currently has {$1.00}. They told me to call to unlock my account in a text sent from chime. Also, the representative told me that if I hung up they were going to delete my account. They sent themselves money using XXXX XXXX XXXX with XXXX different names I have never seen or heard of. I have never used XXXX XXXX XXXX with the chime app. Furthermore, the call disconnected and I wasnt able to get in contact anymore. When I contacted another chime representative which was a woman I spoke to told me that they wouldnt be able to do anything about it so I decided to take further actions to get my money back. She told me to file a police report. I called again to speak to another representative and they allowed me to file a dispute. The company is aware of the fraud charges that was made in regards to my account as I gave them the names and amount of the unauthorized transactions. This is my first time experiencing being hacked with chime and I was on the phone with a supposedly chime representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Account is incorrect

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States 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 any reason or purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Account is incorrect

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Account is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
Please accept this letter as my formal writing request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Please accept this letter as my formal writing request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of myTeletrack consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My personal and business accounts were blocked by Navy Federal for XXXX  months. When I reached out to Navy Federal via phone, they expressed that my account was flagged " due to XXXX fraud ''. I have spent countless hours on the phone with Navy Federal, filled out an appeal and was given a 3 week response time ( it has been 2 months with no response ) and even resorted to connecting Myself, Navy Federal, XXXX XXXX XXXX XXXXXXXX XXXX on a recorded call to clarify and confirm that the alleged fraud accusations did not occur. Despite the appeal, several calls escalated to management and the hour long phone call with Navy Federal Management, XXXX XXXXXXXX XXXX XXXX  XXXX on the recorded phone call to further stress that no fraud ever took place and that the {$1000.00} attempted transfers from XXXX XXXX XXXX  XXXX account to my Navy Federal account was not fraudulent, the Navy Federal Reps continued to defame my character and falsely accuse me, XXXX XXXXXXXX XXXX XXXXXXXX Bank of fraud. Navy Federal would not allow me access to my funds during this time. Furthermore, I did in fact open a dispute against XXXX XXXX XXXX XXXX through Navy Federal prior to that event that was ignored and never resolved despite XXXX XXXX XXXX promise to me that they would return funds to the Navy Federal once they had initiated the claim against the XXXX XXXX XXXX XXXX  XXXX transfers. Lastly, Navy Federal rejected multiple direct deposits from hitting my account yet they are sending me demand letters to get my accounts in a positive standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report.. 
The following account is listed as an open collection, XXXX XXXX XXXX. A collection account can not be listed open, it 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 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
For my Miles & More end by XXXX, I submited additional material on XXXX and the security team said I'm approved. However a month later the Barclays told me the card is not approved. 

I no longer want this Miles & More credit card bceause of this unbelieveable service provide. However, recently I received the annual fee bill from Email notice. I would like to ask Barclays close this card immediately and waive all fee since the customer service declaread " it is not approved ''. 

I had try to call the president office relative staff many times and send response throught XXXX  but I never can get touch with anyone. The due date of payment is XXXX, XXXX, which is today. I also need to ask remove the late payment notice from my credit card report since this is not my fault.

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