vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I sent American Express a payment XX/XX/2023 using a negotiable instrument and they are refusing to honor the payment. I sent a postal money order with a clear and conspicuous statement on it which stated I accept your offer in the amount of {$6200.00} for valuable consideration and tender this payment for the complete amount in accord land satisfaction upon redeeming This instrument. Without recourse By : my name. 
I am an authorized user for this account and the payment was sent in the name of XXXX XXXX. Both of our names are on the account. 
Once they accept this payment they are accepting the new terms I wrote in the negotiable instrument. There are laws that back this as well. UCC 3-311 accord and satisfaction states that if I can prove there was a clear and conspicuous statement in that money order than the debt is discharged. American Express is refusing to honor this and they are supposed to abide by these laws UCC3/603 tender of payment says if the payment is legal and they refuse it there it still discharge!! UCC 3-409 acceptance of draft states that as soon as they cash the negotiable instrument the new contract starts. 

American Express is clearly breaking the law and not honoring a lawful tender of payment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This debt was paid with the original creditor, proof is attached and I am requesting immediate removal. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/2023 Caine & Weiner Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/2023. While checking the above report, it came to my notice that your Company ( CAINE & WEINER ) has furnished ( 1 ) account on my report, account numbers ( None listed ), XXXX XXXX XXXX amount listed {$61.00}. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company ( CAINE & WEINER ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation XXXX, XXXX XXXX XXXX XXXX 1. Copy of Consumer Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
you XXXX XXXX  closed my complaint without even using the correct information, let alone ALLOWING COMMUNICATION!!! I RECEIVED THE NOTICE I HAD A RESPONSE AND XXXX MINUTES LATER MY CASE IS CLOSED WITH NO RESOLUTION AND THE INCORRECT INFORMATION!! THIS IS XXXX AND I'M NOT GOING TO STAND FOR IT!!! 

THATS NOT EVEN THE CORRECT NOTICE!! TRY PAYING ATTENTION!! NOPE WE WILL RESPOND WITH EVEN MORE LIES AND MORE LIES JUST LIKE OUR ENTIRE COMPANY HAS BEEN PROVIDING FOR XXXX WHOLE MONTHS NOW!! HOW ABOUT PUTTING ME ON HOLD FOR ANOTHER HOUR AND A HALF, LIKE THR LAST XXXX TIMES I TRIED GETTING THIS RESOLVED!!! AND BESIDES THE FACT, CHECK YOUR CUSTOMER SERVICE AND YOUR PHONE CALLS SINCE I CALLED XXXX XXXX DIFFERENT TIMES AND WAS TOLD REPEATEDLY BY THE PEOPLE ON THE PHONE AND BY THE TELLERS AT THE BANK THAT I HAD, IN FACT, MET ALL OF MY REQUIREMENTS, I CALLED MULTIPLE TIMES IN XXXX And XXXX TO MAKE SURE!! SO M & T CONTINUES TO LIE AND MAKE UP XXXX TO TRY TO COVER THEIR LIES, AND NOW XXXX XXXX XXXX IS GOING TO COVER THEIR XXXX FOR THEM AND LIE TOO AND CLOSE A COMPLAINT BEFORE IT'S EVEN BEEN PROCESSED! SURPRISE SURPRISE, MORE LIES!!! I CLOSED MY ACCOUNT BECAUSE ALL OF YOUR PEOPLE LIED TO ME AND ASSURED ME I'D BE RECEIVING MY MONEY AND THEN DENIED ME A WEEK LATER!! HOW CONVENIENT You CLOSE THE ISSUE WITHOUT ME BEING ABLE TO RESPOND!! 

THEY DIDNT DO ANYTHING THEY DIDNT EVEN ANSWER THE CORRECT QUESTION OR USE THE CORRECT INFORMATION TO PROVIDE THEIR RESPONSE!! I HAD TO CLOSE MY ACCOUNT THERE BECAUSE THEIR EMPLOYEES ARE SO XXXX THEY CANT EVEN READ A XXXX FLYER THAT THEIR OWN COMPANY SENT OUT, LET ALONE PROPERLY ANSWER THE QUESTIONS OF THEIR MEMBERS!! THEIR OWN EMPLOYEES ASSURED ME ON over a XXXX  OCCASIONS THAT I HAD MET EACH AND EVERY REQUIREMENT AND THAT I ONLY HAD TO OPEN THE ONLINE ACCOUNT AND USE THE APP. CHECK YOUR CUSTOMER SERVICE RECORDS AND CHECK YOUR XXXX CAMERAS MAYBE BEFORE SENDING ME SOME XXXX XXXX EMAIL THAT HAS ABSOLUTELY NOTHING TO DO WITH ME OR MY CASE!!!!

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 2023-12-27 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: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft due to the Equifax Data Breach and the XXXX DMV Data Breach, which exposed all of my personal information as a XXXX resident. I'm XXXX XXXX XXXX and have been doing an excellent job of watching my credit report when possible. Still, unfortunately, I have been a victim of identity theft, and my credit report is not reflecting accurately with several inquiries that are not mine, not of my knowledge, and due to identity theft. 

XXXX XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XXXX  Inquiry date : XX/XX/2023 XXXX XXXXXXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 I have no account with the companies below, and the identity theft inquiries are as follows.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft due to the Equifax Data Breach and the XXXX XXXX  Data Breach, which exposed all of my personal information as a XXXX resident. I'm XXXX XXXX XXXX and have been doing an excellent job of watching my credit report when possible. Still, unfortunately, I have been a victim of identity theft, and my credit report is not reflecting accurately with several inquiries that are not mine, not of my knowledge, and due to identity theft. 

XXXX XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2023 XXXX XXXXXXXX XXXX Inquiry date : XX/XX/2023 XXXX  XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XX/XX/2023 I have no account with the companies below, and the identity theft inquiries are as follows.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2023-12-27 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-27 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: NY

Complaint narrative:
The information is incorrect 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) I DONT RECOGNIZE

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX XXXX XXXX I closed my previous business account. At this time with XXXX XXXX  I had a revolving credit line of {$26000.00}. As someone who has relied on automatic payments for over a decade, this one slipped through the cracks. Apparently for two months XXXX charged me late fees and returned payment fees. This affected my credit score by about XXXX points. Ive always had excellent credit score. It was not my intention nor willingness, but quite frankly XXXX not sending me any regular usps mail notifications of this. Instead, they lowered my credit to {$500.00} in XXXX and XXXX. 

When I realized that I had not updated my bank information for them to receive the automatic payments I called them and they investigated. Since Ive been a loyal customer for many years they reinstated my credit limit to {$26000.00} in XXXX. 

Summer is a very busy month for my Business and unfortunately due to an error which was caused by my assistant who did not keep me posted, I suggested immense credit loss. 


XXXX said theyd report to the agency so I can get my credit score repaired but we are in XXXX XXXX  and still at a fair rating. 

I expected XXXX to take a more proactive approach but now I realize I must File this complaint. 

Thank you in advance for helping me.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute some errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified some inaccuracies : -- -- -TransUnion 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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX  I applied for a Capital One Mastercard. I was denied I called capital one and was connected with a man named XXXX who transfered me to his senior manager over escalations team. I informed the man that I had been denied and that regardless to the reason for being denied. I have the right to credit and that withholding my access to my securities is securities fraud and that it was a violation to the equal credit opportunity act and consumer credit protection act and that since they were denying me my credit to please retract my application. He told me that was not something he could do. So I asked for his name he refused to tell me at which point I told him he was being recorded as well and for him to please put me through to the person who could help me he said that there was no one with that capability I asked to speak to his manager he said he was the manager I asked to speak with who he answers to at this time he told me that he was not allowed to release that information and that if he was being recorded that it was company policy that he not say anything until I vocalized that i was no longer recording. I asked him if the conversation was still being recorded on his end he answered me yes and I replied again with asking his name at which point he hung up on me. 
I exercised my right to credit in good faith and was denied. This was unauthorized use of my security application and social security number, as they were not used for my benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX XXXX  2023 I closed my previous business account. At this time with Barclay Bank, I had a revolving credit line of {$26000.00}. As someone who has relied on automatic payments for over a decade, this one slipped through the cracks. Apparently for two months Barclays charged me late fees and returned payment fees. This affected my credit score by about 100+ points. Ive always had excellent credit score. It was not my intention nor willingness, but quite frankly Barclays not sending me any regular usps mail notifications of this. Instead, they lowered my credit to XXXX XXXX XXXX XXXX  XXXX. 

When I realized that I had not updated my bank information for them to receive the automatic payments I called them and they investigated. Since Ive been a loyal customer for many years they reinstated my credit limit to {$26000.00} in XXXX. 

Summer is a very busy month for my Business and unfortunately due to an error which was caused by my assistant who did not keep me posted, I suggested immense credit loss. 


Barclays said theyd report to the agency so I can get my credit score repaired but we are in XXXX  2023 and still at a fair rating. 

I expected Barclays to take a more proactive approach but now I realize I must File this complaint. 

Thank you in advance for helping me.

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 2023-12-27 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:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: MD

Complaint narrative:
Self lender secured loan opened on XXXX XXXX paid loan off in a year, got a new loan with a secured line for credit for {$850.00} using the money I deposited from my secured loan. As of XXXX  XXXX I attempted several times to close the accounts, which self lender refused to do. I am being charged a monthly late fee for a secured credit card with no balance & I am receiving negative marks on my credit because of this. Self has even sent a new card agreement in XX/XX/XXXX that I dont agree with with chain terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I am an existing online savings account customer and attempted to open a joint online savings account this morning with my XXXX son XXXX ( XXXX was to be the primary owner, and I the secondary owner ). We first attempted to open it online and then called the bank ( Marcus by Goldman Sachs ) as instructed. After lengthy conversations the bank representatives and supervisor stated the account was declined, allegedly due to a mismatch of information, but refused to say what that mismatch was or to provide further information either over the telephone or in writing, claiming that she was not permitted due to privacy reasons. My son lives at home and is a XXXX XXXX XXXX. I am confident that all information provided was correct, including his Social Security number. He has never had a credit card and may not have a credit bureau file open for him yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NY

Complaint narrative:
The information is incorrect 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 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 2023-12-27 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: NY

Complaint narrative:
The information is incorrect 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 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 explanation