vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BANCO POPULAR DE PUERTO RICO
State: IL

Complaint narrative:
I had opened two accounts with Popular Direct- {$50000.00} 2 year CD and Savings Account with {$5000.00}. Accounts were both opened normally without any issues in early XXXX. On XX/XX/XXXX, I asked about linking additional bank accounts to my savings account and I was informed that I could only link one account. Well, I had two already linked because each account was opened with money from a different bank. 

On XX/XX/XXXX, I asked for complete account number for my savings account and I was informed that they would not give me the number because they were closing my account. No reason was given. 

I was able to still access my accounts on XX/XX/XXXX, but on XX/XX/XXXX my access was blocked. No reason has been given. No formal communication has come from the bank - even though it has been requested three times now. 

I have no guarantees as to if I will get my money back. Customer Service says my accounts will be closed on XX/XX/XXXX - 10 days from now. And it will take another 3-5 business days from me to get my money. 

Customer Services response is that they can file a complaint. Thats it. 

How did they get a license to do business? 

And how do I get my {$55000.00} from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I ordered from XXXX XXXX a WIFI internet connection. XXXX  came out and installed the equipment from XXXX. I subsequently received a charge on my Capital One credit card from XXXX. CapitalOne hd to give XXXX the information to charge my credit card. The Hughes.net equipment was slow and didn't always work correctly. I contacted XXXX and was told I had a 4 year contract and I couldn't cancel it. I explained I had no such contract and I am cancelling this service. XXXX sent return packaging and I returned the equipment at their expense. I was told there was a {$400.00} cancellation charge. I told XXXX I had no contract and they should contact Capital One. I paid 2 months charges on the credit card. I did not have the service for 2 months. 
I am enclosing letters to both parties explaining what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting Collections appearing in Public Records from XXXX XXXX for {$110.00} on my personal credit report that is inaccurate, false, and incorrect. XXXX XXXX is reporting a Collections account on my personal credit report for XXXX XXXX  as my original creditor, this account is inaccurate, incorrect, and false. There is no contractual agreement between myself and XXXX XXXX currently existing to support any past due amount owed. I have no default to XXXX XXXX  and did not agree to renew or extend any contract with XXXX XXXX. Additionally, XXXX XXXX does not appear anywhere on my credit report as a creditor, original creditor, default, charge-off, or past due. XXXX XXXX  failed to contact me to notify me that XXXX XXXX  turned over an account to collections before reporting this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Oklahoma Student Loan Authority
State: OK

Complaint narrative:
I never knew that this school was private. I also am now banned from the student portal to access anything. I was told to have it repaid before I graduate which is another year... ..and now I'm on a financial hold. I need to report this as well as the loan I took out for my son whom withdrew and went to the military. It's restraining me from progressing with my schooling and other obligations. What can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX is reporting a charged off account on my reports. I have disputed this account both with the credit bureaus as well as directly with XXXX  XXXX XXXX and have yet to hear back from either of them. Furthermore, XXXX  XXXX XXXX is verifying this inaccurate account with the credit bureaus and each bureau is reporting multiple inconsistencies concerning this debt such as, different account numbers, different last active dates as well as different last payment dates. How is this account able to be verified if they arent even able to reports a validate consistent information on my reports? They are in clear violation of my rights as a consumer to dispute inaccurate information from my reports as well as report inaccurate information on my credit report. I am requesting that this account is deleted from my credit reports and all documents concerning this account be mailed to my address!

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
This card is a MyVanilla debit card. Last XXXX you helped resolve an issue where they prevented me from using this account from XXXX to XXXX. They have done it again, effective today. The expiration date for this card is " XX/XX/23 ''. Not having received a replacement card yet, I called their main number on XX/XX/XXXX around XXXX. 
After a half-hour wait for an answer, the person told me that they were NOT going to send a new card, apparently until I called and requested one. He said a new card would be sent within 10 days. This morning, my online account is " inactive ''. How am I supposed to activate my new card if the account is " inactive ''? Also, what about using my EXISTING card and funds between now and the end of XXXX? They have prevented me from using my current card and funds, and wait 10 or more days for the new card. What is the matter with this company? Can they do ANYTHING the right way?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXXXXXX XXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXXDate of Inquiry : 02/09/2023Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2023-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Got a lawsuit mail about a credit balance from Lowes credit account that I never applied for and now i got a court date and this account was in 2019 so I have clue where this is coming from

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
There is an unauthorized inquiry on my consumer report from XXXX XXXX  dated XX/XX/2023 that I do not know of nor did I give consent to and under the law 15 USC 1681b I must give consent before transunion can report anything to my consumer report which I have not therefore it must be removed.

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 2023-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION
State: TX

Complaint narrative:
XXXX XXXX from Nations Lending from XXXX XXXX Texas started helping me with my home loan on XXXX. Thru out the application she received check stubs, income taxes, my 401 and 402 retirement information plus a copy of my life and death insurances from work. On XX/XX/2023 appraisal was requested and paid {$770.00}, gas meter was in place and paid {$100.00}, a personal home inspection was processed and paid {$250.00} and due to appliances not in place when first appraisal was performed a 2nd appraisal was processed and paid {$250.00}. The builder offered a 3 %, and a {$900.00} incentive and my work offered and gave me a {$8000.00} incentive for first time home buyer. My rental home lease was over XXXX but agreed on paying two more month and now I have to move out by XXXX XXXX. On XXXX XXXX XXXX had for me a conditional loan approval for me to close on XXXX. A day before closing she advised me that my loan was denied. XXXX kept telling me that i was approved thru out the whole process but then found out that I was nott approved day before closing, and if that was the case I would not have so much. 
I have lost incentives that were offered to me by the builder and my work, plus home inspection fees and my rental home. 
My dream of obtaining a home was crushed and she has caused me to be under emotional distress. I feel violated, misled, angry and emotionally tired. 

Builder was advised that some of the walls were deformed, and garage walls patched and visible and I told them that needed to get fixed, then the builder said that nothing else could be done and that is the best they could do. 
I feel that due to complaint and wanting fixtures on the home they all got together for me to not get approved a DAY BEFORE closing.

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 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have filed multiple reports with Transunion requesting that they remove the account XXXX XXXX XXXX that is on my account. I have no knowledge of this account and under the law 15 USC 1681b I would have to give my consent for this to be reported to my consumer report. I have attempted several times to resolve this and transunion has not cooperated or complied with my request. I am submitting this report to the Consumer Finance Protection Bureau with legal action to follow.

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 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been disputing this collection account on my reports with XXXX XXXX XXXX for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accurate information being reported across all three bureaus. charge offs Ive been reported by law 15 USC 16 EB charge-offs any inaccurate information must be taken off. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
I've been victim of ID theft. OnLine information services has tried to collect a utility debt on behalf of XXXX XXXX XXXX XXXX XXXX. 
This account was opened fraudulently using my name and SSN. I have informed OnLine Information Services about this as well as opened a report with XXXX XXXX XXXX XXXX and I have provided all the information requested. 
Even though all the requested items were delivered, OnLine Information Services continued collection efforts and affected my credit report and score by reporting the collection with all XXXX  credit bureaus while the investigation still on going. They did that even though they received from me the letter from FTC about the ID Theft and the letter called " Notice to Furnishers of Information : Obligations of Furnishers under the FCRA '' where clearly they are obligated to respond to consumer claim in a timely manner and stop all collection efforts during the investigation is in course, including reporting to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account name LVNV Funding Acc # XXXX Balance showing : {$2600.00} What balance should be : XXXX Case Type ID THEFT Which bureaus is the error on? All XXXX Bureaus Account name LVNV FUNDING LLC Acc # XXXX Balance showing : {$610.00} What balance should be:XXXX  Case Type ID Theft Which bureaus is the error on? All XXXX Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
lvnv funding llc has re aged several debts numerous times making them always look new on my credit report. I have filed multiple disputes with XXXX and they will just reject the dispute and mark it as current even though the original date was XXXX. They also send me collection emails at least every XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I saw my credit report and saw accounts appearing on my report that I am not aware of, I contacted the credit bureaus but have not received any response. Below are the accounts appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below 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 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 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 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Navy Federal Credit Union XXXX : Card Fraud Prevention Recovery XXXX XXXX XXXX XXXX, VA XXXX Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX XXXX ] Dear Card Fraud Prevention Division I am writing to dispute charge ( s ) of {$17000.00} to my XXXX XXXX account on XX/XX/XXXX from XXXX XXXX XXXX XXXX transaction date XX/XX/XXXX ( Reference No. XXXX ) and transaction date XX/XX/XXXX ( XXXX XXXX. XXXX ) The charges are an error because I did not rent a vehicle from this merchant since XXXX and any associated fees from my XXXX rental was already charged XXXX XXXX and XXXX XXXX when the vehicle was returned and closed on out XXXX XXXX. 
Somehow this merchant has posted several erroneous charges to my account and upon reaching out to them I was advised that they would review and resolve this matter in which they did not. I have previously disputed these charges and they were reversed and the reasoning was because I had a prior purchase history with this merchant I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I receive an accurate updated statement. 
Enclosed are copies of the rental agreement from this merchant in addition to my XX/XX/XXXX for XXXX XXXX ending in XXXX statement which verifies that their vehicle was returned to them and the incurred charges : ( Review XXXX XXXX statement for XXXX XXXX ending in XXXX [ Transaction date XX/XX/XXXX Reference No. XXXX ] and Transaction date XX/XX/XXXX Reference No. XXXX ] were the ONLY charges that I authorized for this merchant to charge. The attached documentation serves to support my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX Enclosures : XXXX XXXX statement, XX/XX/XXXX XXXX ending in XXXX statement. XXXX XXXX XXXX ending in XXXX statement, and XXXX Rental Agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accurate information being reported across all XXXX  bureaus. charge offs Ive been reported by law 15 USC 16 EB charge-offs any inaccurate information must be taken off. 

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