vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: DISCOVER BANK
State: OH

Complaint narrative:
I received a new Discover Card in the last couple of months. It came with an {$8000.00} credit limit. They send me emails and ask why havent I used the card yet. They offer balance transfers that I must complete by a certain date so that I can take advantage of the XXXX percent offer. However, whenever I try to make a purchase it never goes through. Whenever I try to do a balance transfer it will process for a few days and then get rejected. My card is active and in good standing. I dont know if Discover is being deceitful in their advertising or if this some fluke in their system. A bait and switch scheme of some sort? I just dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XXXX XXXX 2022, I opened a savings account with Bank of America, N.A. ( BofA ) online. I answered everything asked for to the best of my knowledge. I also disclosed my dual citizenship ( XXXX being my other citizenship ) since this was asked about too. 
I was able to fund the account with {$250.00} from another account with another financial institution via XXXX while going thru their opening procedure online. 
I received an email confirming the account opening right after that and was able to log in online to that account for the first time. 
The next morning I tried to log in again online, but wasn't able to do so. 
The day after that, XXXX XXXX 2022, I noticed that the initial funding amount of {$250.00} was debited from my other account with another financial institution. Therefore, I tried again to log in again online, but wasn't able to do so. 
I called BofA to request a new password as I wrongly assumed I didn't enter it right. Since I didn't have my full account number, I was put on hold for someone from their " Fraud Department '' to answer my call.

After some considerable wait, someone answered my call and told me that my account was closed without giving any reason and was transferred to speak to someone else if I wanted my questions answered. The next person did not tell me my account was closed, but told me that I would need to go into a branch with a form of ID and my SS card in hand to verify my identity to access my account and my money. 
I did that the same day in the afternoon. After some more considerable waiting, someone in the branch was able to pull up my account information after they verified my identity. They told me that the account was closed and a check was issued. 
I left the branch anticipating a check to arrive in the mail sometime the following week. 
It took BofA until XX/XX/2022 to credit my other account with another financial institution for the same amount originally withdrawn. 
BofA sat on my money for one week, wasted my time, made me drive into town to their branch giving me the run-around and didn't even provide any explanation whatsoever as to why my account was closed. 
I suspect it might have to do with my national origin/dual citizenship, however I don't have any evidence for that other than the above stated facts.

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus stated Account Name US Dept of Education Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX. XXXX XXXX  Account # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, dates and deferments were filed before all was reporting as defaulted. It should be in deferment not default. 

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
MO CHILD SUPPORT has repeatedly bounce on and off my credit report and created legal documents to make there claim of me owing them money. I been disputing child support on on my credit report since XXXX they have been reporting incorrect, in accurate information just to keep me from getting funding and to keep me from receiving my taxes, this got to be a violation of the FCRA. In XX/XX/XXXX I receive a termination of IWO ( I do have copies. ) On XX/XX/XXXX I received a past-due notice of {$9400.00}, XX/XX/XXXX child support claim I owe {$8100.00} Now keep in mind that I did not owe on XX/XX/XXXX. As of XX/XX/XXXX child support has had Equifax update my information that was use from my dispute just to fit there claim child support has created these false documents to take my funds and taxes and also my covid relief money. On XX/XX/XXXX child support took my taxes of the amount {$1600.00}. and on XX/XX/XXXX they took {$1100.00}. XX/XX/XXXX they took {$2100.00}. XX/XX/XXXX the also took {$1200.00}. This do not add up I do not owe child support And this account is causing me not to be able to get any funding for years by reporting false claims and being a bully law to keep me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an offer in the mail from American Express Co. ( AEX ) for XXXX XXXX XXXX  ) Credit Card in XX/XX/2022. The letter included a code to be used to apply for the card online or by mail, and outlined the XXXX  benefits in exchange for an annual maintenance fee of {$250.00}. I applied for the card online as I liked the benefits, primarily a credit of XXXX travel miles after spending {$3000.00} as charges to the card in the first 90 days. After receipt of the card with related information around XX/XX/XXXX, I called AEX to get explanation of certain benefits including the mileage. After getting satisfactory answers, I immediately started using the card, and charging over {$3000.00} within 90 days. At the end of the period, I called AEX to find out the status of my credit for my miles. At that time, they told me I had another AEX XXXX card, so I was not eligible for the credit. I told them that I was not aware of that, nor was ever informed about the clause. They assured me that they will investigate into the matter, and asked me to contact them after 2 weeks. After 2 weeks, they told me it was still under investigation, and asked me to call them after another week. Finally on XX/XX/XXXX, they told me they will not give the credit. 
I was never informed about AEX policies to start with, and I made it clear also when I first contacted them. When I got my first AEX XXXX XXXX, they gave me XXXX miles, to be fare they could reduce the offer to XXXX miles, but they won't buy that either. Request for justice in my case. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner.

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 2022-05-18 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: NY

Complaint narrative:
I disputed this account with the collection agency and requested a validation of debt. The Validation that they sent over for this alleged debt not only did not meet the requirements of the FDCPA, but also had the incorrect information on it. How can this debt be validated with all of these inaccuracies? I demand that this account be removed immediately or Experian will also be held accountable for this negligence and inaccurate reporting. I've attached the letter that I sent and the documents that were returned for proof of this inaccurate reporting and violation of my rights.

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 2022-05-18 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: LA

Complaint narrative:
Im accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-18 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: NRA Group, LLC
State: NY

Complaint narrative:
I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with ( XXXX XXXXXXXX XXXX ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022, I have not received any documentary evidence such as a trilateral contract giving ( XXXX  XXXX XXXX ) any right to collect on this alleged debt. I have never received any documentation requesting validation from XXXX XXXX  XXXX XXXX ) before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking. If ( XXXX  XXXX XXXX ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until ( XXXX  XXXX XXXX ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( XXXX XXXX XXXX ) continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX XXXX XXXX ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Direct Student Loans and XXXX XXXX XXXX XXXX XXXX ( XXXX  ) The purpose of message is to make a complaint against Navient. Navient has managed my school loans I took out since XXXX. The complaints are as follow : 1. I have been paying my loans for many years, now on an XXXX  plan, and I still owe 164 % of what I borrowed in student loans because Navients advice to go into forbearance. 
2. Due to Navients advice to choose forbearance, my loan balance and monthly payments grew due to interest capitalization causing more economic hardship 3. My private loans and federal loans were placed into forbearance starting in XXXX instead of offering an XXXX plan available during a time when I had difficulty making my student loans payments. 
4. Some of my XXXX loans were consolidated without my consent. As a result, they have now become private loans. 
5. Navient and other loan servicers did not provide accurate records of my progress toward forgiveness through XXXX plans and have not had a way to track my progress towards paying off my student loans. 
6. With the split of my loans to XXXX, inaccurate application of my payments have been made. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Asset Management Systems Inc
State: FL

Complaint narrative:
This bottom feeder company which purchases alleged debts for pennies on the dollar, sent me XXXX letters dated XX/XX/2022 for an alleged debt to XXXX. Regardless, the alleged debts are well past any Statute of Limitations for legal action and credit reporting. Upon receipt of this notice, immediately cease and desist all communication tactics. Further, you do not have my permission to forward this to any of your " other friends in the business ''. The letters were sent under the following reference numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase Account # XXXX On Tuesday XX/XX/XXXX, I refinanced my home and took out cash to pay a number of creditors. One of which was Chase dba XXXX XXXX finance. I learned Monday, XX/XX/XXXX that creditors were being paid via check and all checks were mailed that day. 

Given that I customarily pay online, I proactively contacted Chase on XXXX at XXXX XXXX  to inform them that my remaining auto lease payments would be paid in full via check. I spoke with a Chase representative for over ten ( 10 ) minutes, furnishing her with the check number and amount of the check. I was assured this information would be noted to my account and would serve as acknowledgement of payment. 

On XX/XX/28, I was contacted by Chase and spoke with another representative for over ten minutes to explain the payment status of my account. I was informed that my account would not be flagged delinquent, as the date of the check would be considered the date of payment. 

However, on XX/XX/XXXX and XXXX, I received alerts that my credit score had dropped by over sixty ( XXXX ) points between all three bureaus due to a late payment report. 

I contacted Chase on XX/XX/XXXX to express my concern, given the efforts made to communicate the circumstances and the information shared by Chase representatives. I spoke with a number of representatives and was ultimately told that a request for an adjustment would be made and I would receive a letter in the mail. 

On yesterday, I received a communication from Chase simply stating that they reported accurate information and to pursue the dispute process via the bureaus. 

I have never paid over thirty days late on this account or my mortgage, ( which was also with Chase ) and paid off during the same process. Credit is a very valuable, yet delicate matter which effects every consumer 's ability to obtain and maintain relationships. Chase in practice, has not honored the word of its representatives and appears to resist resolving a matter worthy of consideration, given the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with LVNV Funding LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving LVNV Funding LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from LVNV Funding LLC. If LVNV Funding LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and credit collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: WV

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wish to complain about the fraudulent withdrawal of money from my account. This is the first time in the two years that I have owned this account where money was transferred out without my authorization. This is a card that was issued to my by the California XXXX service. 
A total amount of XXXX was stolen from my account in two transactions that were not executed by me. Looks like on XX/XX/2022 the thief tried to transfer out {$3000.00} but the transfer was reversed on XX/XX/2022. However on XX/XX/2022 a transaction for {$3000.00} with reference number XXXX and on XX/XX/2022 for {$2100.00} with reference number XXXX, were successful in taking my money. I did not make these transactions. 
I filed for a bank dispute previously when I noticed that money was missing from my account. I had a very hard time trying to file a complaint through the customer service line, I needed help from someone that spoke XXXX ( I am able to read and write in XXXX, however Im not comfortable speaking it ), the agents would just put me on hold, and/or transfer me continuously and/or even hang up on me. When I was finally able to submit the claim # XXXX, a few days later I received a response to this claim notifying me that the charges are legit, therefore my claim was being closed. This is OUTRAGEOUS. Both transactions are unauthorized. I did not transfer money out of this account, the only funds I ever withdrew from this account have been at the ATM in cash.

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