vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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: MS

Complaint narrative:
i sent XXXX, equifax, and XXXX letters XXXX, requesting the inaccurate and incomplete accounts that are reporting on my credit report. i have attach copies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i sent XXXX, XXXX, and experian letters XXXX, requesting the inaccurate and incomplete accounts that are reporting on my credit report. i have attach copies

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I fell behind on payments in XX/XX/2023 because I was laid off in XX/XX/2023, and I called Chase to make payment arrangements and did not received any assistance ( payment plan options ) that would allow me to bring the account current. The agent told me to make as many payments as I could, that was the only solution offered. 
I received a letter from Chase card services in XXXX which offered the opportunity to pay a lower monthly payment or settle the account. I called Chase on XX/XX/2023 to discuss payment options because I am currently on a fixed income ( until XX/XX/2023 ). The first agent I spoke with offered to settle the amount which would require a down payment of {$370.00} and pay off the remaining amount within 3 months. The agent did not give a total settlement amount ; he only asked me if I could pay 25 % of the balance. My response was " no '' because I couldn't commit to paying a balance that was not disclosed. I disconnected the call from the first agent which lasted about 15 minutes. 
I called a second time on XX/XX/2023 and spoke with two different agents that asked me questions pertaining to my current income and expenses. The agent offered a credit counseling service which is an in-house non profit organization. I told the agent that this service was not something I needed and a payment arrangement with Chase card services was the only resolution that I was seeking. I was transferred to a manager and during the call the person I spoke with attempted to tell me that I was upset ( I was not ) and failed to empathize the issue, but was condescending and not helpful. Although, I told the last two agents that I would be filing a complaint with CFPB, they did not attempt to further assist me and honor the " debt liquidation '' program option listed on the letter. This phone call lasted one hour and ten minutes, and I did not receive a feasibly financial offer to settle the account. 
My analysis and assessment of Chase card services collection practices lead me to believe this tactic is being used to collect as much money as they can in a short amount of time, or refer a customer to the credit counseling/debt consolidation service for profit under the guise of a non-profit ( which will allow for more fees to be collected ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I noticed unauthorized inquires on my report. According to the FCRA, legally these unverified and unauthorized items must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I noticed unauthorized inquires on my report. According to the FCRA, legally these unverified and unauthorized items must be removed immediately.

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 2023-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I had an automatic withdrawal that was not honored by my bank in late XXXX. The next month automatic withdrawals continued as agreed. Starting in XX/XX/XXXX I have continually tried multiple times to pay the missed payment but online always says the website is in maintenance. I have spoken to representatives over 20 times since XXXX and they refuse to take a payment stating they can't find an account. I also have emailed support which has acknowledged an issue and sent me an email stating that charges and interest would be waived until they got the issue fixed but I still get maintenance notification when I log in. Recently I got notification on my credit report that the account is past due and balance has increased due to interest and charges. With Avant 's history with an FTC lawsuit I can only assume that the runaround I have gone through to make a payment is intentional and illegal to increase interest and fees. Their activities have reduced my credit score that will cost me money on insurance and loan rates going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: IL

Complaint narrative:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-16 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: NE

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have repeatedly told the company that it was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I just received an alert that a new account was added to my credit reports as a collection from a place I never received any type of notice from nor am I aware of this debt. They have caused a decrease in my XXXX XXXX and it is damaging my credit to where it's causing harm to my profile and may prevent me from receiving new credit. I don't feel this company is even authorized to collect or bonded in the state of Texas and may have just found info anywhere and places it on my credit. Nothing is verified nor did I receive any type of notification regarding this info in which they have placed on my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I purchased product from the company XXXX using a pay in four service, XXXX. I returned the merchandise within company guidelines for a full refund. The money was returned to XXXX which was then refunded to my account at Capital One. XXXX provided me with the following ARNs for the refunds : XXXX : XXXX ( {$130.00} ) XXXX : XXXX ( {$130.00} ) XXXX : XXXX ( {$130.00} ) XXXX : XXXX ( {$26.00} ) and XXXX ( {$100.00} ) Only two transactions for {$130.00} were actually returned to my account. Capital one has instructed me to try many different things including filing two different disputes and a deposit search, all of which did not return in my favor. XXXX is no help, and neither is capital one. Someone has my money and they refuse to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-09-16 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: AL

Complaint narrative:
Remove fraud account from my file. you are violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Notified by XXXX XXXX that Transunion allowed 3 unauthorized credit agencies to access my report without legal authorization and my consent. Call Trans Union to let them know what was going on and the representative XXXX who states that hes a supervisor in special handling told me that there is no inquiries for the three places that credit wise is telling me that Trans Union allowed these particular people to pull my credit report. I am including a copy. Refuse to investigate which is a violation of FCRA. 

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 explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2022 I asked claims department to investigate and provide me with original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: NJ

Complaint narrative:
Disputed specific accounts on my credit report and included a copy of my up to date drivers license, social security card and proof of address such as my XXXX bank statement. That all match equally, and further more was sent an email notifying me that they will not investigate, obligating me to use their " disputing tools and credit services '' which many come with a premium price that should not have to be paid in order to freely dispute.

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 2023-09-16 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: NJ

Complaint narrative:
Disputed specific accounts on my credit report and included a copy of my up to date drivers license, social security card and proof of address such as my XXXX bank statement. That all match equally, and further more was sent an email notifying me that they will not investigate, obligating me to use their " disputing tools and credit services '' which many come with a premium price that should not have to be paid in order to freely dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In early XX/XX/2023, I made a purchase on the XXXX website. While completing this purchase I signed up for the NFL Extra Points Visa card which is issued by Comenity Capital Bank. I was particularly persuaded by an offer of a {$100.00} statement credit after spending {$500.00} outside of the XXXX. I received the card within XXXX days and immediately began using it. I met the {$500.00} spending requirement on or about XX/XX/2023. 

Since that time, I have made countless calls to Comenity Bank 's customer service department and they have failed on multiple occasions to resolve this issue. Initially, I was told during a call in XX/XX/2023 that I had to wait 90 days after opening the account to receive the {$100.00} statement credit. I waited 90 days and called Comenity Bank customer service again in XX/XX/2023 to inquire about the {$100.00} statement credit. I was told at that time that I couldn't receive the statement credit because I had a {$0.00} balance. I was told to spend at least {$100.00} on the card and that I would immediately receive the credit. I followed through on this advice and spent over {$100.00}. 

After not seeing an immediate credit, I called Comenity Bank yet again on XX/XX/2023 and spoke to an representative named XXXX. XXXX informed me that the information provided by the prior representatives was totally incorrect and she opened an investigation into the matter. XXXX confirmed I met the promotional requirements and assured me the issue would be resolved within XXXX XXXX 

Today is the XXXX day so I called about XXXX minutes ago to get the status of XXXX 's investigation. I was told by a phone representative that they had a " system issue '' that affected a large number of customers and that there is " no timeframe '' for when it will be resolved. After escalating my complaint to a supervisor named " XXXX XXXX '', I was told that I " should '' see the {$100.00} statement credit on my next billing statement. My experience with this bank has made me very skeptical that I will receive anything. 

Every representative I have spoken to has confirmed that I met the criteria for the promotional offer back on XX/XX/2023. It's been over 6 months and I have not received the {$100.00} statement credit. XXXX Bank continues to advertise the {$100.00} statement credit promotion via XXXX games and the XXXX XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: IL

Complaint narrative:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collectiom/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX I received a warning from XXXX XXXX XXXX that Discover Card had reported me for an unpaid bill after 60 days due. I have had a Discover card since XXXX, and I have never missed a single payment, so I thought it was fraud. 
Though I use the credit card irregularly, I had agreed to paperless billing on the conditions that they would send me email alerts when a statement was posted or a bill was due ; I have always paid the full balance of the statement before due date. I attach screenshots of the XXXX report ( via XXXX ) and of the Discover website with checkmarks showing that I was due to be sent these email alerts to my work email ( which has not changed ). I also attach a screenshot with a search for all incoming Discover emails. It shows that I received none of these required notices after XX/XX/XXXX. 
I called Discover Card immediately. I found that my husband had used the card twice in XXXX of this year, and I would have paid for them as soon as the statement came due - but Discover sent me no notices of posted statements or bills due. As I use the card infrequently, I noticed nothing wrong, since they don't post statements if the card isn't used, and as they no longer send paper statement, I had no idea that the bill was due. What is more, they obviously could contact me, since they were sending me advertisements for their services and new cashback bonuses. 
Their representative agreed to eliminate the penalties I had been assessed over the past XXXX months without knowing it, as she admitted that their web service department had always had the correct email address for me, and that I had required that they notify me of statements and bills due, and they had not done it. In fact, I paid the full bill due, with penalties and interest, that very moment online, in order to make sure that they could not hold it against me that I had not. ( I have no idea whether I will really get the unfair penalty payment back, as she agreed, since I no longer trust Discover card. ) But she refused to notify the credit agencies that this delinquency in payment was due to an error on Discover 's part, not on my part. This means that Discover has ruined my otherwise perfect credit rating, due to their own incompetence, and they refuse to admit it or make recompense for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
I requested the following : 1. An agreement between their agency and the original creditor showing that they are authorized to collect this debt in their behalf. 2.original agreement between the alleged debtor and the original creditor showing where they agreed to payment terms. 3.amount of commission paid to debt collector if debt collection is successful. 4.name and address of original creditor. 5.address on file for the alleged debtor. If these items can not be furnished with 30 days I request the item be removed from all credit bureaus, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation