vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to file a formal complaint against Capital One concerning an unresolved balance transfer issue that has caused significant financial distress and inconvenience. Below, I provide a detailed account of the events leading up to this complaint. 

On XX/XX/2024, I initiated a balance transfer of {$700.00} from my XXXX XXXX XXXX XXXX credit card to my Capital One credit card, taking advantage of Capital Ones 12-month zero transfer balance offer. While the {$700.00} debt was promptly posted to my Capital One account within five days, the balance on my XXXX XXXX account remained unchanged. 

I contacted both Capital One and XXXX XXXX several times over the next few weeks. Initially, I was informed by Capital One that the transfer process might take up to two weeks. After three weeks passed with no change, I was advised to wait another week. Despite following these instructions, the balance on my XXXX XXXX account was still not adjusted. 

In early XXXX, I learned from Capital One that a check had allegedly been sent to XXXX XXXX at the address XXXX XXXX XXXX XXXX, XXXX, California, XXXX. XXXX XXXX, however, stated that they never received the check and could not investigate the matter without a copy of the check. 

Capital One representatives assured me they would send a copy of the check to my address so that I could provide it to XXXX XXXX for investigation. They promised the check copy would arrive within 10 to 15 business days. However, three weeks passed with no communication or delivery from Capital One. When I followed up, I was informed that the check had not yet been sent but would be sent immediately. The representative I spoke with was dismissive and ended the call abruptly. 

I have now been dealing with this issue for nearly two months. I am still required to make payments on my XXXX XXXX credit card for a debt that should have been transferred, and the ongoing delays and lack of communication from Capital One are causing significant financial strain and stress. 

I am requesting the CFPB 's assistance in resolving this matter. Specifically, I seek the following actions from Capital One : 1. **Immediate Investigation** : Conduct an urgent investigation to determine why the balance transfer has not been completed and why the check was not received by XXXX XXXX XXXX 
2. **Proof of Payment** : Provide a copy of the check or any proof of payment sent to XXXX XXXX as soon as possible. 
3. **Reimbursement and Compensation** : Reimburse me for any additional interest or fees incurred due to this delay and compensate for the inconvenience and financial hardship caused by their handling of this situation. 

I appreciate your attention to this urgent matter and look forward to your assistance in achieving a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with 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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I was reviewing my my credit report and noticed this charge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was applied for a loan with the mortgage broker the problem is I found too many problems on my credit report is the reason I sending this report and ask for help to fix this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a XXXX, XXXX XXXX and XXXX XXXX card offered through Comenity and over the course of the last few months Comenity has decreased the limit on all of these cards. Theyve explained this is due to negative credit scores and/or the total balances that I have compared to my limits on my credit report. I believe this is an unfair and abusive practice practice that causes me harm because reducing my limit without giving me a chance to reduce my balance, negatively impacts my credit score due to my total limits decreasing ; which increases my card usage percentage. I also believe this is unfair because it uses my credit score without reasonable cause to make new credit decisions even though my credit activity with the company is strong ( I.e on time payments, higher than minimum payments, etc ) Comenity should understand that while making this decision may seem like they are managing to credit risk but they are actually taking away their customers ownership of their credit score. I chose to apply for this card and also choose when I use it and how much I pay back in order to maintain a good rating. Comenity should also give me a choice in this situation BEFORE deceasing limits ; either by allowing me to pay down my balance or even close the account. I disagree that they should be permitted to use my external Credit score for new credit decisions after I have been approved but they could at least send a letter to the customer before they decrease and not after the fact because that is the fair and right thing to do. In addition, Comenity may even advise in their agreement that these activities may occur however these are internal processes that the customer can not reasonably determine when or if they will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: AZ

Complaint narrative:
XXXX  Please investigate this matter and correct the inaccuracies on my report. I would appreciate a response within 30 days of receipt of this letter. 

delete Unpaid XXXX Closures in Last 4 Years : {$000000000.00}

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 explanation
Consumer complaint received 2024-05-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : {$1400.00} DATE XXXX Account term : 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 explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my 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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
Upon discovery I noticed that Jefferson Capital Systems LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department XXXX XXXX to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that Jefferson Capital Systems LLC along with other company collecting on there behalf such as XXXX XXXX collecting without an active debt collector license required by the NC Department XXXX XXXX to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70 please remove from all credit bureaus cease all communication & collection activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On XXXX XX/XX/2024 Credit Karma duplicated hard inquiries that were already accounted for on my XXXX credit file. According Credit Karma these inquiries were made between XXXX XXXX and XXXX XX/XX/2024 XXXX confirmed via XXXX the correct number of inquiries on my credit file. 

Following inquiries were duplicated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was ruined by Covid-19, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Ive noticed unverified and unauthorized hard inquiries to my credit report. Please remove the inquires. Theyre three hard inquiries which include XXXX XXXX via dealer, XXXX XXXX XXXX XXXX XXXX XXXX which were all authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit Bureau violated my privacy and reported inaccurate information about my previous mortgage

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit Bureau violated my privacy and reported inaccurate information about my previous mortgage

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I HAVE BEEN THE VICTIM OF IDENTITY THEFT OVER THE YEARS AND HAVE HAD NUMEROUS FRAUD ACCOUNTS OPENED IN MY NAME USING MY PERSONAL INFO. I HAVE BEEN FIGHTING WITH TARGET CREDIT CARD FOR SEVERAL MONTHS NOW REGAURDING A FRAUD ACCOUNT THEY HAVE UNDER MY NAME AND SSN. I HAVE REACHED OUT TO THEM SEVERAL TIMES AND AM ONLY ABLE TO SPEAK TO SOMEONE WHO SPEAKS VERY LITTLE ENGLISH AND SOUNDS LIKE THERE IN A CALL CENTER OVERSEAS! THEY KEEP SAYING THE ACCOUNT BELONGS TO ME YET THEY DONT HAVE MY CORRECT INFO, ONLY MY SSN AND NAME. THEY DO NOT HAVE MY CORRECT ADDRESS NOR MY PHONE NUMBER. I DID NOT OPEN THIS ACCOUNT!!! I RECENTLY HAD ATTEMPTED ID THEFT ON XXXX AND WAS FORCED TO FILE YET AGAIN ANTHOR POLICE REPORT, I HAVE REPORTED ONCE AGAIN THIS TARGET CREDIT CARD AS FRAUD. I HAVE ATTACHED A COPY OF THE POLICE REPORT SHOWING THIS TARGET CARD! SOMEONE HAS MY INFORMATION AND CONTIUNES TO OPEN ACCOUNTS IN MY NAME. I HAVE TAKEN STEPS GOING FORWARD TO PREVENT THIS FROM HAPPENNING AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
A transaction posted to my checking account for XXXX ; however, I never received the cash reload nor does it reflect on my monthly statement from XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BHFC Financial Services INC
State: AZ

Complaint narrative:
Account with XXXX XXXX XXXX was closed & charged off! On XXXX account says closed but passed due for the amount of {$3500.00} but on XXXX is reported as closed & charged off in the amount of {$4700.00} both with same dates of XX/XX/year> but different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: AZ

Complaint narrative:
Account with united auto credit was closed & charged off! On XXXX account says closed but passed due for the amount of {$3500.00} but on XXXX is reported as closed & charged off in the amount of {$4700.00} both with same dates of XX/XX/year> but different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The following unauthorized inquiries and incorrect addresses are hindering my credit and affecting my ability to get approvals and verify myself. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXXXXXX Incorrect addresses : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The following unauthorized inquiries and incorrect addresses are hindering my credit and affecting my ability to get approvals and verify myself. 

Inquiries : XXXX XXXX XXXX XXXXXXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXXXXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXXXXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXXXXXX XXXXExperian XXXX XXXX XXXX XXXXExperian Incorrect addresses : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX 2002 XXXX, NV XXXX XXXX XXXX XXXX XXXX, WA 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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: OH

Complaint narrative:
Account was closed on XX/XX/XXXX. We were notified via email and said a check would be sent to our Registered Agent in 8-10 business days. 
It is now XX/XX/XXXX and no check has arrived. 
I tried multiple times to call customer service and there is no answer. I am placed into a queue and then no one ever answers and I am eventually auto-disconnected. 
I sent an additional email demanding to know where our money is and there has been no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
After filing my first CFPB complaint and receiving a form response, I contacted Navient by phone on XX/XX/XXXX to get the form for school misconduct. I was told by the operator in the servicing department that she would refer my account for review and I would be sent the form if my loans qualified for school misconduct discharge. After two weeks of waiting, I still have not been sent the form. 

There is no question that my private loans qualify to receive the form. My federal loans were just discharged because of misconduct by the XXXX XXXX. From the Department of Education 's executive summary ( attached ) : " This group discharge is based on EDs finding that The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. '' " Due to its pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment, ED concluded that The XXXX XXXX misrepresentations likely would have negatively affected all or nearly all students who enrolled on or after XXXX XXXX, XXXX, through XXXX XXXX, XXXX, and thus a group discharge is appropriate. '' Furthermore, Senator XXXX XXXX and 8 other Senators urged Navient to discharge predatory loans from schools like the one I attended because of " well-established school misconduct and predatory lending '' in a letter ( attached ) sent to Navient last month : We write to urge the Navient Corporation to cancel the decades-old, predatory student loans in its portfolio that are governed by the FTCs Holder Rule and subject to claims and defenses based on well-established school misconduct and predatory lending, said the senators. [ Y ] our company should provide relief to borrowers immediately, before the impending servicing transfer of these and other student loans to the XXXX XXXX XXXX XXXX  of the State of Missouri.

Company response to consumer: Closed with explanation