vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a personal Delta American Express charge card. I am a 30 year customer with American Express. I suddenly, without notice or warning have noted that " Charging Privileges Have Been Suspended ''. The card is current, with no money owed. This notice is only available online and I never received ANY written advice of this action. My account is not " paperless ''. At the phone number provided to call for information, after nearly an hour on the phone THREE TIMES, no explanation was ever provided and I was advised I " would be contacted '' to explain the ( lack of ) issue. I was never contacted. I had accumulated miles points on the card that I can not access and my charge privileges have been suspended. I am unable to obtain any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX switched to XXXX i found out after they were gone after in 20 states by federal gov. and settlements was done which I was not aware of. They have caused my credit score to drop over XXXX points. probably more than that. I just noticed this in the recent week it dropped over XXXX points. They are not reporting my payments made under the modification plan. I have been making payments. They have bumped up the balance a few XXXX just switching from XXXX to XXXX and it is the same company. I am not liable for this. then the inspection fees were XXXX they have gone back and changed it on statements. now saying XXXX dollars. Beginning of XXXX they charged me over XXXX times in one day several days. up to almost XXXX dollars. It is much more they have done. I have to have a car to work, I can not even trade my car now. because of them. They have not even applied the money I have paid now saying I owe XXXX. I do not. Please tell me what all I can do to make them put this right. and why were other customers in the twenty states not made aware of the federal gov going after them??? MY principal balance has not moved hardly being with them. others have the same has happened to them. Please tell me what I can do.

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 2019-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. 
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. 

account : 1. XXXX XXXX XXXX  XXXX {$200.00} 2. XXXX XXXX XXXX XXXX {$840.00} 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 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My husband and I were recently victims of credit and identity fraud through a company that promised to help consolidate and reduce our student loans. I did open the account in question, but they only sent me a summary. I need an itemized list of purchases when they happened and what items were purchased to file a police report. Without the information necessary to file the report, they should not be able to affirm the total balance of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. 
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. 

account : 1. LAW OFFICES OF XXXX {$200.00} 2. XXXX XXXX  XXXX XXXX {$840.00} Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. 
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes.

account : 1. XXXX XXXX XXXX XXXX {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. account : 1. XXXX XXXX XXXX XXXX   {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: NH

Complaint narrative:
According to my credit report of today XXXX XX/XX/2019 my credit report is still showing as me owing XXXX XXXX and XXXX XXXX. However, when I took out a mortgage i had enough money left over to pay, a Bank Loan, and these 2 credit cards. I called up both of the credit card companies and paid off these loans over the phone. My bank statement clearly states that these amounts were taken by them on XXXX XX/XX/2019. On my credit report it says this was updated on XXXX 2019, therefore these amounts should show as 0 but they dont. The bank loan is showing that I overpaid by XXXX but at least they have cleared my bank loan from the credit report. 

I do not understand why it is still showing on there that i owe this money when it shows on my bank statement that they were both paid on XXXX XXXX. This could effect me getting future credit and also badly effect me when i come to go for another mortgage deal on my proper in a few years time. I am not holding out hope anytime soon that they will update this credit record. XXXX ( Now Credit Karma ) i was told was a very good credit rating website by a financial advisor - they are clearly not. I can not find anywhere on their web page a place where i can ask them whats going on and why they have not properly updated my credit rating and my credit report. I now only owe money on my mortgage. How can i get hold of the XXXX / Karma credit people and ask why this is not updated. There should be a contact us option like there is with other companies for situations like this as this has a massive impact on peoples chances of gaining credit / mortgages. I would not advise anyone to use this site at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: LA

Complaint narrative:
This account was deleted from my credit and this account does not have my ssn on This account please verifymy correct ssn also it was deleted the bureau is suppose to send me letter stating that it is being re-inserted and why. 
The company does not have my ssn on this account and this is invslid snd a error but still stands on my credit

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 2019-08-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2019 I sent Equifax a dispute via USPS certified mail regarding three accounts listed on my credit report from XXXX XXXX, XXXX XXXX and XXXX XXXX .I asked Equifax to investigate these alleged accounts and to provide any and all documentation they have showing the accuracy of these accounts and that these accounts belong to me in accordance with section 611 of the FCRA. Equifax replied with a generic response that they " Verified '' these accounts yet failed to produce any documentation showing how they verified them. 

Again on XX/XX/2019 I sent Equifax a letter via USPS certified mail demanding their method of verification for these alleged accounts in accordance with section 611 ( a ) ( 7 ) of the FCRA giving Equifax 15 days as required by Federal law with no response from Equifax within the 15 day period. 

once again on XX/XX/2019 I sent Equifax a letter via certified mail for failure to respond in the 15 day period as well as failure to verify the alleged accounts. It was not until XX/XX/2019 that i received yet another generic letter bearing no account level documentation or any other method of verification stating that they " verified '' these accounts. 
It is clear to me that Equifax has failed to conduct any kind of investigation into this matter other than parroting information, also XXXX is not an acceptable means of investigation and as a consumer I entitled under the FCRA to a fair investigation. 

Equifax is now in violation of section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) for failure to provide me any copies of an original documents or consumer contract bearing my signature.Equifax is also in clear violation of Section 611 ( a ) ( 7 ) for failure to provide method of verification as well as federal law for failure to respond in 15 days.

Under the FCRA Equifax can be sued for {$1000.00} per violation of and will also be responsible for court costs and damages. 
Please see the information i have uploaded as proof of my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have 2 Capitol One credit cards for 5 years. The due date on my Venture One Card was changed from XX/XX/XXXX to XX/XX/XXXX without my consent increasing my minimum payment from XXXX to XXXX. I called and spoke with XXXX the supervisor and requested it be changed back and told him I couldn't afford the increase because my husband is undergoing XXXX and I have critical XXXX and have been in and out of the hospital. I have never been late on a payment and with my family 's current health crisis can not afford a random increase without justification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Payment was already from this company. They are still sending me letters through mail. In regards to debt that has already been collected

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The CFPB has been told false information about complaint # XXXX concerning the mortgage servicing department of Pentagon Federal Credit Union ( hereinafter, PenFed ). Additionally, the CFPB artificially collapsed two complaints, with distinct information, about this mortgage servicer into one.

First, I am a member of PenFed and on three separate accounts with it, including the mortgage note on the mortgage in question on these complaints. Those accounts are accounts held with my husband, ( XXXX XXXX ). The account numbers are : XXXX, XXXX, XXXX During the closing on the mortgage loan, I was told that if I did not sign documents making me responsible for the mortgage note, the mortgage loan would not be provided. It was one of several last-minute irregularities on this loan that resulted in increased  costs and risks to us. I did sign the mortgage note, so PenFed should not be allowed now to ignore the complaint submitted on behalf of my husband and me because of this. Like so much else from this institution, the CFPB should not rely on PenFeds word that has been cited and instead it should directly investigate the complaint and review the mortgage note and other documents in question. It will find that the mortgage servicing department is guilty of all that is has been accused of in these complaints and that its response is a pretext to avoid detection of its abuses. 

The fact that PenFed has willfully withheld critical information from the CFPB in response to these complaints and provided the kind of response it has indicates just how evasive it is, and demonstrates just why the CFPB needs to rely on its own investigation of the complaints and its own review of the legal documents, including the mortgage note, of this mortgage, rather than the false word of the institution and its badly managed mortgage servicing department.

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 2019-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
Filing a complaint against XXXX XXXX Executive office, XXXX filed a false statement to the CFPB saying that she investigated my claim with a store employee at the store in XXXX XXXX I gave my statement is to what happened giving verbal by an employee, the employee say I came into the store and provided her with my proof that never happened in XX/XX/2019 by her statement says I came in not true I don't believe a investigation was done I think that the company just filed a false report to get rid of me XXXX asked for date and time that I talked with the employee I provided to her by phone then later to say that they don't record the call on a store level by ask about what was said if you can't re view the call another sign of disregarding my concerns and just saying the employee did nothing wrong well for one she  lied about me being in the store XXXX got upset when said the your investigation was false but customer care call are recorded my someone can listen to the conversation we had XXXX read back or conversation and only put mostly what she said and not my answer or concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been writing to get these inquiries off my report which was done by me I haven't gotten no proof or signature or an Id card showing it was me making these request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to dispute 5 negative and fraudulent accounts located on my XXXX credit report to no avail. They have even maliciously denied me the ability to dispute these items online and refuse to process my mail in disputes. They are continuously violating the FCRA.

Company response to consumer: Closed with explanation