vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synter Resource Group, LLC.
State: NJ

Complaint narrative:
To whom it may concern, Thank you for taking your time to read this. Our information was given to a third party company " SYNTER RESOURCE '' from " XXXX ''. The company ( XXXX XXXX  ) uses third party delivering services ( XXXX ). We had an agreement with MRO supply for supply services ; therefore, the company initially contacted for services was XXXX supply. Our information was then given to XXXX, while not being in direct contact with them they have decided to charge us with nothing but an invoice. They do not have purchase orders ; however, we have a purchase order with XXXX XXXX and it states free shipping. Which is what the debt is in regards to. If someone could please assist, because we are getting calls from a debt collection agency. " SYNTER RESOURCE '' has not responded to the dispute letter we sent, and they have received the letter. We get an automated call with details of how much the alleged debt is everyday, and the calls do not let us speak to a live person. The company " SYNTER RESOURCE '' is unresponsive to our phone calls or emails. Any assistance would be greatly appreciated. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I received alert that my credit report received a hard pull from a Comenity cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX. 
I disputed with XXXX, but Comenity stated the account was mine and less than XXXX I received a response from XXXX that company stated account was mine and that it was staying on my account. I reached out to XXXX XXXX XXXX  and realized this company was pretty shady and had other people reporting same thing happening to them.I then reached out to you all and after a couple month received a letter stating they dont show record of me. all i want is for my credit to be update with them removed because i never applied for anything with their company. why much people be so crooked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.

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 2023-03-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I received a letter from TransUnion ( copy attached ) with this absurd statement : " ... we were unable to process your request because we were unable to determine the nature of your request or your request was illegible. '' On the advice of my attorney, I'm submitting another complaint via CFPB. 

After being rebuffed by TransUnion several times about the complaints listed below, even though one supervisor told me that, although credit score calculations are dynamic, nothing had changed in my credit file other than credit utilization which went from 3 % to 10 %, that would cause the XXXX point volatility, and that he would have to refer this to a higher authority. I never heard from TransUnion again. 

These 3 complaints are : XXXX. XXXX XXXX. XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: ME

Complaint narrative:
Trans union credit report paid off several accounts they havent removed them from my credit report said they will be on my report even if XXXX  for 7 years unless companies tell them to take them off. What is the incentive to pay off bills if they arent removed from your credit report. And isnt it there job to let the people know they have been pd off. How do I fight this. Ty for listening 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 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/23 - I noticed that my credit limit on my PNC Core Credit Card was decreased from {$25000.00} to {$12000.00}. I never received an electronic notification that let me know of this decrease and they mailed me a letter which has still not arrived. I have not received the correspondence from the bank to submit with this complaint. They used information in my credit report to justify this. My credit report has a perfect payment history ( never missed a payment ), no derogatory remarks, no collections, and no other delinquencies. When I called PNC to dispute the decrease and petition to have it restored, they informed me that I could not dispute the decision for at least 6 months from the day that my limit was decreased. In my opinion, it is unjust to have to wait half a year to dispute any action that my credit card company takes against me or my accounts. It is for this reason that I am filing this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Global Lending Services LLC
State: TX

Complaint narrative:
15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
CAPITAL ONE. 

XX/XX/XXXX. BALANCE TRANSFER of {$12000.00} XX/XX/XXXX BALANCE TRANSFER of {$3000.00} to XXXX XXXX XX/XX/XXXX ELECTRONIC PHONE CREDIT of {$15000.00} Returned on XX/XX/XXXX. 
None of these transactions were done or authorized by me. I reached out to the Bank on XX/XX/XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I was told that I need to submit a bank statement for XX/XX/XXXX phone payt. This is impossible since I have no connection to that payt or to the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was seeking to refinance a new vehicle loan to lower the rate that I received with the dealership. I was immediately denied for the sole reason of " causing a loss '' over 20 years ago when I filed a bankruptcy. The amount owed was repaid under the terms of the bankruptcy and was agreed to by Navy Federal. However, the remark is attached to my profile for XXXX They won't even look at my income, collateral, credit score, or history since discharging the bankruptcy. They are more than happy to take/hold my money but I am forever barred from borrowing from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a QuickSilver Capital One Credit Card Account and a Spark Business Capital One account. On XX/XX/23, I attempted to pay the full balance of these two credit cards from my Capital One Checking account. However, both payments were rejected by Capital One and sent back to my checking account. I called Capital One and they were not able to provide me with an answer as to why these payments kept getting sent back to my Checking account. Capital One is still charging me 31 % interest on two credit cards that they are refusing to let me pay off. This feels illegal and unfair. I would like to be able to pay off these credit cards and close these Credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I have attempted to have them verify this debt due to me not having any knowledge of these bills prior to collection. They have not satisfied the validation of the debt to show it is in fact mine or are in violation of hipaa because I did not give my permission to sell my debt to a third party if it isn't fact my debt.

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 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: MO

Complaint narrative:
On about Thursday XXXX of XX/XX/XXXX, I reached out to paragon after realizing I have an account reported from medical treatment I received on about XXXX of XX/XX/XXXX at XXXX XXXX XXXX. At this time I was not advices or given the option to apply for financial assistance or charity care or any other government assistance or programs under the affordable care act due to me falling under the poverty guidelines. 

I reached out to Paragon Revenue Group on the XXXX of XXXX Their representative XXXX answered as I attempted to receive information from XXXX. He refused to give me my information. He proceeded to pressure me to pay that I had to pay it was on my credit will remain there and ruin it if I dont pay. Was very aggressive on assisting I make a payment. I explained to him I was unable I was going to apply for financial assistance he aggressive stated it to late I must pay. Got personal asking personal trying to buy. Im not trying to buy anything just want this taken care of, as he continued to press the issue. I just said anything that came to mind in hopes hell give me my information as I continued to randomly ask during conversation. After I gave him anything that came to mind he then get personal asking well how can you buy anything if you cant afford the bill. At this point Im highly agitated asking him for my information. After I saw Id get nothing. I hang up called back four times. Three times getting him the fourth time I got a lady who finally gave me the information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2023, I wrote a check in the amount of {$1300.00} and mailed it. On XX/XX/2023, I noticed the check I wrote was cashed for {$4400.00} to a different payee name. I pulled up the image of the check on the Bank of America , N.A . app and saw that my check had been fraudulently altered in the amount, date and payee name. I called Bank of America 's fraud department ( XXXX ) on XX/XX/2023 to file a report. I was given a case number ( XXXX ) and informed to file a police report. On XX/XX/2023 I received the claim forms from Bank of America. On XX/XX/2023 I filed a police report, filled out the claim forms for Bank of America, and mailed the forms with the police report case number to Bank of America. 

On XX/XX/2023 I called Bank of America status department to see if the forms had been received. I spoke with XXXX in Maryland and I explained my financial situation that I could not afford to cover this check. Her response was it would take 60 to 90 days to hear a resolution. 

On XX/XX/2023, I called Bank of America again and spoke with XXXX in Arizona. She said it had only been 20 days and would take 60 to 90 days to hear a resolution. Again, I explained that I have medical expenses and can not afford to wait the full 60 to 90 days. She said she would put in the system to escalate this case to be handled quickly. 

On XXXX XXXX, I called Bank of America status department to check status of the escalation. I spoke with XXXX in XXXX and she said there was no notation of an escalation on my claim. XXXX said she was entering a complaint to expedite this claim. 

As of XX/XX/2023, there has not been any response from Bank of America , N.A . on my claim. I have had to rewrite the original check that was fraudulently altered, I have medical bills coming on top of my regular monthly bills due, and I don't feel Bank of America is handling this in an acceptable manner. I caught the fraud within 2 business days and Bank of America can't handle this for 60 to 90 days? It is not understandable why this can't be expedited when they have all the information requested.

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 2023-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted the SBA as of XX/XX/2022 about this issue of them having the wrong person in this bill. I have filed the FTC report for identity theft and have not gotten a response from them on this. I have made MULTIPLE calls to them in which they have given me contact emails and numbers that DON'T work!

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 2023-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX, has violated my rights 15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting angency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AZ

Complaint narrative:
On XX/XX/2023, I received an alert from Experian indicating an XXXX point drop in my credit score. The alert stated the reason as a 30 day late payment. My accounts are paid as agreed and no late payment of any kind exists. Additionally, there is no record of any creditor, loan, organization, or other entity associated with the late payment. No other credit bureau reflects this information, and my score with XXXX and XXXX remains unchanged. I have repeatedly contacted Experian. They have refused to correct the error. They have refused to allow a formal dispute because no actual record of the late payment exists. In every communication with Experian representatives, they have agreed that the score decrease is erroneous, however they refuse to correct the score simply because they dont know how. The last representative I spoke to literally stated You didnt deserve this, but we are unable to do anything to correct it because there is no record to dispute. I have reached a stonewall after hours on the phone attempting to resolve this issue with Experian and hours communicating with my financial institutions to confirm that the negative information was false. Thank you for your time in this matter.

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 2023-03-14 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-14 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On Saturday, XX/XX/XXXX I applied for an Ulta credit card in their store in XXXXXXXX XXXX. They said because their address for me was outdated that the bank was going to contact me for more info. 30 days went by and they never did. I also received nothing in the mail. I called Ulta and was told that my credit file was locked and that I needed to call XXXX which was the only of the three agencies that showed the hard hit. I contacted them and they confirmed it was never locked and I also found this on their website when I logged in. Not to mention I had received a Victorias Secret credit card ( same company ) the month prior. I was told I needed to contact Ulta back and they would need to remove the hard hit and then I can try again to apply and they can try pulling it again ( I did not want Two hard hits, especially considering they last two years ). I was transferred to an automated line confirming that I would receive mail correspondence within 30 days from applying which clearly I never did hence my call ). I called Ulta again and again and no one wanted to help and kept transferring me to this obsolete line. I had to ask for a supervisor. I was told to write to Ulta and I waited another 30 days. Crickets. I sent them proof of the hard hit and proof of my over XXXX credit score. I also included proof that my account was not locked. I just want the credit card or I want the hard hit removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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