vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
In XXXX of the preceding year, I received communication from Barclays Bank offering me a significant incentive of 80,000 frequent flyer miles contingent upon my application for a Barclays credit card. In my capacity as a conscientious and law-abiding consumer, I decided to submit an application for a second Barclays credit card, motivated by the aforementioned enticing offer. I did not need another credit card ; Im retired and I travel so XXXX miles would be amazing. Keep in mind, I already have another Barclays personal credit card. They were using my existing account to bait and switch with this offer. 
Regrettably, I have yet to see the fulfillment of the promised frequent flyer miles in my account. Furthermore, I have not received a refund for the {$95.00} annual fee that was levied, subsequent to my expenditure of {$2000.00} on the card. My primary concern pertains to the non-fulfillment of the promised miles, which I had been anticipating with eagerness. 
When I engaged with the customer support division in an attempt to address this issue, the response I received was notably disheartening. I received a brief, two-sentence letter that effectively communicated their unwillingness or inability to rectify the matter in an amicable manner. This response gave the impression of a lack of commitment towards resolving the matter in good faith. 
In light of this unsatisfactory experience, I have opted to terminate my credit card account with Barclays. Additionally, I am pursuing a formal complaint through your esteemed office due to concerns that deceptive practices may have been employed in soliciting funds from unsuspecting consumers. 

It is indeed disheartening to find myself embroiled in this predicament, and I earnestly implore your organization to take prompt corrective measures. Enclosed herewith, please find an invoice detailing the annual fee that was charged to me, for which I expect full restitution. 
I have documentation proving that they baited me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am attempting to change my address, which they have on file for XXXX credit cards but not for this one ( Platinum ) in particular, for some strange reason. 

My issue is the bill and the payment notification WITH ACCOUNT information is being mailed to the previous address I lived at and compromising my privacy. Allowing the new people living there to access to my financial/credit card information. 

I attempted to change the address online but was informed due to my account being restrictive that I was unable to make the address change unless I called customer support. 

On XX/XX/2023 at XXXX I contacted Capital One at XXXX and spoke with representative " XXXX ''. 

I told her that I would just like to change my address. She asked me for my phone number for 'verification ', which I provided, then she told me that that number, which is my number for many years was not able to be used. 

She informed me that she could not change the old address to the new address, which mind you, is already on file with XXXX other Capital One accounts, without me 'verifying ' myself by uploading my ID to them. 

XXXX  ' also acknowledged when I asked her about this, that without that information the people who lived at the new address would still receive my bill and credit card info, as 'policy ' told her that she could not change my id without 'verification '. 

At this point I informed her to close the account. 

Which ... that's right. 

Did NOT REQUIRE ANY VERIFICATION. She closed my account without verifying it was me, or asking me for any information. 

I asked her if she realized how hypocritical and consumer hostile that was. Whereas she could cancel the account without any XXXX ', Phone # etc... but she couldn't change my address on the bill THAT IS GOING TO ANOTHER PERSON. 

She told me it was 'policy '. 

I then asked her to go paperless. Because we all know how companies bang the drum on going 'paperless '. And of course she told me .... she couldn't do that without verification. 

Unbelievable. 

Any REASONABLE person can see exactly what is going on here. I need assistance from the CFPB to protect my financial information from being mailed to an old address. Allow me to change my address. Or simply shift me to paperless billing. With out the 'fuax bs ' of needing 'verification ' to make account changes. 

If I can close my account without verification ( I could be anybody on the phone with XXXX ) I should be able to change my address, and protect my privacy and information.

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

Complaint narrative:
The account in question pertains to a XXXX XXXX Account number XXXX ( XXXX XXXX XXXX XXXX XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report. 

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I applied for the XXXX plan and did not get a notification of if it was submitted. There is no spot to enter my spouse student loan amount. Which directly effects the available discretionary income math for that plan. 

Also, I paid my payment for XXXX and I am getting alerts of missed payments. 

There is no way to contact them. The computer chat says it is too busy, their schedule a call is unavailable, and I have been on hold for 2 hours and can not get a hold of anyone. 

This is unacceptable. I am doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
This is from a on the job work injury. I was transported by my employer to XXXX XXXX XXXX XXXX, to receive XXXX XXXX XXXX XXXX Workers comp 100 % responsible. Both Lj Ross and XXXX XXXX agree my employer is responsible. But still send me into collections, instead of billing my employer. 

Total trying to collect is {$250.00} from XX/XX/XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
back in XX/XX/2023 I disputed an account that popped up on my credit file after I went to XXXX  to activate a phone number. I called XXXX to ask why were they now adding it on my credit file when it has been 3 years since I left the company and I have yet to receive any documents from them. The collection agency name is XXXX. XXXX XXXX. 

Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX XXXX Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX / Closed XX/XX/XXXX Dear CFPB Please see attached files For months I have submitted complaints to TransunionXXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet TransunionXXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed " XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX/ Closed XX/XX/XXXX '' in the attached documents to be removed immediately. I look forward to your response.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX Opened XX/XX/XXXX / Closed XX/XX/XXXX Dear CFPB Please see attached files For months I have submitted complaints to XXXXEquifax/XXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Equifax/XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed " XXXX XXXXXXXX XXXX Opened XX/XX/XXXX/ Closed XX/XX/XXXX '' in the attached documents to be removed immediately. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX Opened XX/XX/XXXX / Closed XX/XX/XXXX Dear CFPB Please see attached files For months I have submitted complaints to XXXX/Experian regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXXExperian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed " XXXX XXXXXXXX XXXX Opened XX/XX/XXXX/ Closed XX/XX/XXXX '' in the attached documents to be removed immediately. I look forward to your response.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXXXXXX XXXX has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
Since XX/XX/23 I have been trying to access my account with EdFinancial who is managing my Federal student loan. I have made numerous attempts to enter my SS # and/or account number and birthdate which the system never recognizes. I have sent several emails and get pat responses telling me to register for a new account but in order to do that you have to enter your SS # and birthdate which they DO NOT recognize. The responding emails always say the same things directing me to begin again which is impossible because of not recognizing my info. We have also tried calling and the wait time is over 2 hours and when requesting a callback, either they never call back or the phone will ring 2 times and they hang up and you never get to speak to anyone.

Meanwhile now I'm getting an email that I owe 2 payments and I have NO WAY to make these payments. Interest and late fees are probably accruing and I have no opportunity to correct this. I have every good intention to make payments on this loan but am unable to do so. I will not be responsible for late fees and interest that accrued beyond my control and inability to access my account in order to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting 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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if all derogatory remarks are not removed from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i requested to the credit bureaus XXXX experian and XXXX to remove the derogatory accounts that were not mine i submitted an identity theft report and the stated that the information was verified without and documented proof

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 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am repaying my federal student loans through Aidvantage. They didn't take my payment in XX/XX/2023 and didn't take it again in XX/XX/2023. I tried calling them, was put on hold and no one answered. I have my bank account number and routing number correctly added as the payment method. Aidvantage is not accepting my payments and is charging me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This creditor XXXX XXXX is reporting inaccurate information.I reached out to the creditor to rectify the situation but got no response or resolution. I disputed this late payment from XX/XX/2022 with the Credit Reporting Agencies, XXXX, XXXX and Experian. XXXX has removed the late payment. But XXXX and Experian has not. I ask that XXXX and Experian remove the late payment as well. As I was never delinquent on this account. Its set on autopay. Also, the monthly payment date is incorrect on all three bureaus.

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
AMAZON OFFERS A ( {$150.00} AMAZON GIFT CARD ) TO THOSE WHO APPLY / GET THE AMAZON PRIME CREDIT CARD.. I applied for the Amazon CREDIT CARD, and was approved BUT Amazon did NOT send me the {$150.00} GIFT CARD. I called Chase and Amazon and both told me to talk to the other. Nothing was resolved, I was tricked into applying for a card based on a LIE.

Company response to consumer: Closed with explanation