vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover card has refused to intentionally review in full, this request for consideration to refund, despite an online initial request with several agents stating this is an unusual situation. 
COMPLAINT Letter regarding DISPUTE XXXX XX/XX/XXXX COMPLAINT I am writing to advise you that I am unhappy with the decision taken not to refund payment as requested in my prior letter date XX/XX/XXXX. 
I booked my travel with XXXX XXXX based company called XXXX  XXXX XXXX XXXX Company number XXXXXXXX XXXX  : XXXX. This company entered insolvency on XX/XX/XXXX. This has left many people, I included, out of pocket for future travel with them in XXXX.This tour was to take place on XX/XX/XXXX. This Discover card was used to satisfy the full payment to XXXX on XXXX XXXX for {$3400.00}. ( Citation from 1 XXXX XXXXXXXX XXXX and is found in the uploaded information in my account in your Securities tab ) I appreciate that there are time-scales for refunds to be initiated, but I had no reason to believe up until XX/XX/XXXX that my tour would not be honored. I am part of an XXXX XXXX group of failed customers who are aware that many financial companies including XXXX XXXX XXXX XXXX, and XXXX have already made refund payments to XXXX customers, because of this and their willingness to understand this is unusual. 
This payment was made in good faith by me and I trusted in the fact that in using Discover 's credit card for a future travel event, that I was covered in case of failure. I have been a loyal customer since XXXX of XXXX and have never experienced a set back like this. 
On a personal level, I would find this refusal to refund my money devastating. I placed my trust in your financial institution and was certain you had measures in place to protect me as a valued customer in a case like this. I would ask that you reconsider the position regarding my request and return funds to my account using the Chargeback mechanism as I was not able to use them for the intended purchase.

In my Discover credit card account, I have all the uploaded information for review and can support that I attempted to contact several times XXXX for a full refund, though they claimed funds could not be refunded and could only be used for future tours. 
As soon as it became Internationally known, I actively researched to get this hard earned money back. 
Thank you and I am sure this is now another of many requests you have encountered regarding the failure of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC ( the XXXX XXXX ) currently owns the Account, having acquired it on XX/XX/XXXX. 
As of XX/XX/XXXX LVNV Funding LLC is in violation of the Statute of Limitations in New York State.

N.Y. Civ. Prac. L. & R. 214-i states a creditor or debt collector only has three years ( from the date of the last payment on an account ) to sue someone for a debt they owe. 
A pending lawsuit on this Account with case number XXXX in the Civil Court of the city of New York XXXX County of XXXX XXXX New York must be ceased along with any further contact or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/XXXX, a outdoor vendor fair was operating I was several people who were victimized by this particular company, XXXX XXXX Their phone number is XXXX Name is XXXX I did not give her my personal info, how she got it I dont know, but shes victimized others that same day & some have received resolutionXXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Colorado XXXX that sponsored this particular vendor, told me they ripped off others & they have gotten reimbursed. Ive have filed a police report, I have spoken to XXXX XXXX to assist because I am a member, I have phone, texted & emailed the vendor several times Ive been in continuing conversations with my credit card company Citi bank If you have any advice to add it would be appreciated Thank you 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 monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Kohl 's credit card, I had setup automatic payments for the statement balance for every month. The credit card ( Kohl 's ) shut off the automatic payments and did not inform me. I pay ALL of my cards statement balances off every month. Since the automatic payments was turned off by them, the minimum payment was not made and the card became 30 days overdue and reported it to the credit agencies, this made my XXXX XXXX score drop to XXXX and move me from excellent credit to good. I spoke with Kohl 's but they said they will not do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to request the removal of inquiries from my credit report that are not tied to an active account. As per the 15 U.S.C 1681 Congressional findings and statement of purpose, I have the right to request the removal of inquiries from my credit report.

These inquiries are defaming my character and preventing me from obtaining a mortgage to buy a home. Despite submitting multiple letters and making several phone calls to your company, I have been unable to get a representative to assist me. Instead, I have been transferred from one person to another without any resolution.

Therefore, I kindly request that all inquiries that are not tied to an active account be removed from my credit report. These inquiries are not tied to an active account and are defaming my character, and I request that they be removed immediately. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent the letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights This is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was alerted that a bank of america account was made under my name in mid 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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Inquiry : XXXX XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that Ive made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
On XXXX XXXX I deposited a check in the amount of {$25000.00}. Four days later, on XX/XX/2023 I verified deposit and availability of funds. Bank confirmed availability of funds at just over {$40000.00}. Later that same day, I made a payment in the amount of {$28000.00} to XXXX XXXX. 

Next day ( XX/XX/XXXX ), Old National Bank returned payment as NSF. I contacted bank immediately and talked to branch manager, XXXX XXXX. He informed me bank put a hold on deposit and admitted they failed to advise me or give me any type of notification a hold was put on deposit. Again, this was retroactively done AFTER deposit made and verification of availability of funds. 

XXXX XXXX admitted mistake was 100 % on Old National Banks end and they would fix it immediately, even going so far as calling XXXX XXXX on three way call to admit mistake and correct it so we could resubmit payment. 

I was promised follow up next day which never happened. I left several messages on XX/XX/XXXX and XX/XX/XXXX, none of which were responded to. 

The only follow-up I have received from XXXX XXXX and Old National Bank was a sales pitch to try and get me to open a high yield account with them! 

As of XX/XX/XXXX, the funds are STILL not available and I have not received any further follow-up. I do understand banks have a right to hold deposits ; however, I further understand that legally they are required to provide notification of said hold. 
Old National Banks incompetence and failure to provide the legally required written notice has caused great embarrassment and financial harm to myself.

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 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Chase Inc, You closed my account ending in XXXX due to the reason of " Too many requests for credit or reviews of credit ''. This is highly inaccurate as I just checked my credit reports for all 3 major and 5 other minor credit bureaus. They stated my credit requests and reviews of credit are below average and should not have prompted Chase to close my credit card accounts. Chase Inc has a flawed system stating false information. I will sue if my credit card accounts aren't restored due to a system error. My credit reports are all frozen, even from minor credit bureaus so how was this " too many requests for credit or reviews of credit '' even triggered a random shutdown of all of my accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Unsure who this company is, every month the go back and forth by raising and lowering the amount supposedly owed by LITERALLY {$1.00}. It has been 2 years I cant get these people to stop. I dont have an account with them not have I ever, I have asked to see a contract that I signed with them and gotten nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My mother has XXXX, she is also XXXX, Chase bank refuses to honor my Californian POA which she had a lawyer draw up in the late XXXX 's Chase bank said that a POA isn't good enough, that i need a form signed by her saying she understands what a POA is well that's a hard thing to do, she is so far down that XXXX XXXX XXXX, she understands nothing now, plus by law she can't sign anything, i have a paper from her doctor saying that, i need to be in charge of all of her accounts to make her end of life better, but Chase bank says no we can't help you, so after her passing i will go down to the nears Chase with her death certificate and close every account plus pass out papers saying how evil Chase bank is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was contacted by LVNV, they stated that they are trying to collect on a debt. They falsely claimed that I owed them this money and I do not. I asked for verification that they owed this alleged amount, proof of authorization that they are allowed to collect on this alleged debt, and proof of authority to contact me, the consumer, and access my personal private information. 

I did not receive any correspondence, then when looking on my consumer credit profile, I noticed that they added a fraudulent account to my consumer report, without responding to my dispute and supplying requested informaiton.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WY

Complaint narrative:
This debt is from the beginning of XXXX. I have reached out to all 3 credit bureaus and asked for validation of debt with supporting document. They have not done anything. I have asked XXXX for supporting documentation. No one has given documentation for this debt other than a copy of the collection notice. The debt has been sold multiple times and each time they update the date to show it as newer than it is Jefferson capital showing it as XXXX when I have not had service with XXXX since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2022, a family member requested a balance transfer of {$8000.00} through her bank XXXX XXXX XXXX XXXX ) to be paid on my account. Because the check came on my family member 's name and the account on the check had some digits 'X'ed, Citi Bank couldn't identify the account to apply the payment to, so they sent my family member a letter ( after cashing the check ) asking for the account # to apply the payment to. After faxing the form Citi Bank 's Payment Investigations department sent us several times and calling their customer service several times as well and being promised of follow ups, nothing has really been resolved. Citi Bank is XXXX illegally banking on some money that is not theirs, they're not either retuning the money back to original sender or applying the payment on the account we wrote on the form they provided us.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding a late payment that was reported to the credit bureaus, which is negatively impacting my credit score and my ability to purchase a home. Despite paying off the account in full and having nothing owed, the payment status still reflects as late on my credit report. 

As per the law 15 U.S.C 1681 Congressional findings and statement purpose, I have the right to an accurate and fair credit report, and the presence of this late payment is a defamation of my character and an inaccurate reflection of my creditworthiness. It is also damaging my livelihood, as it is preventing me from obtaining a mortgage to purchase a home. 

I would like for the late payment to be updated to " paid as agreed '' on my credit report to reflect the fact that I have fully paid off the account. Furthermore, I respectfully request that you provide me with a statement and payment transaction records that would prove my payment was submitted on time. If you are unable to provide proof or if a proof is lacking the payment being late, I ask that you update my payment history to PAANL ( paid as agreed, never late ) in accordance with the protection laws. 

I urge you to take immediate action to address this issue and to update my credit report accordingly. I am eager to move forward with my plans to purchase a home and rebuild my credit. 

Thank you for your attention to this matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In 2018 I received a call from Navy federal saying I had fraud on my account and that I would receive a form to my email to fill out and email back I did and switch 2 months my accounts was closed I was then told they never received the form so I went into the bank to fill out the form and still nothing happen with the. Past 5 years I fill out this. Form over 40 times and. When calling or going the back I am told they dont have the form to fill out again in the meantime I had a lawsuit go into said account I had. 1 checking account and 3 savings account in which 2 was saving open for my children this has cost me so much pain my XXXX XXXX XXXX account was closed without any notice nor expansion my XXXX XXXX  just disappeared it like I never opened the account Someone is using XXXX to defraud me the answer the phone like their government agency and the Bank just the other day I called XXXX XXXX  XXXX only for the person on the other to give bank account numbers that does not belong to me at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation