vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, however I am not liable for this debt with XXXXXXXX XXXX for {$1400.00}. I do not have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as requested. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted documents showing proof of the accounts listed on my credit report was reporting incorrectly and should be deleted. From the looks of whats was sent back to me, nothing was done and continue to not correct the issue.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE ADDRESS BEING REPORTED IS INCORRECT. My correct address is : XXXX XXXX XXXX XXXX XXXX, NY 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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a Capital One Venture credit card on XXXX XXXX.  The card has XXXX  yearly fee.  On XXXX  the card was closed by Capital One without any reasonable explanation.  They don't want to return the annual fee.  I called XXXX and XXXX lines, spoke to XXXX XXXX XXXX, and three or four other folks, reached out to them on XXXX  They are all saying that bank won't refund the annual fee.  
However on XXXX and another website I read that:

According to a representative from Capital One, your annual fee will be refunded if you call to cancel within 30 days of the date of the statement that includes it.
CapitalOne: CapitalOne acts very strangely in regards to annual fee refunds. You can get an annual fee refund only if you close the card within30 days of when the annua lfee was charged. Ifyou chooseto downgradethe cardthen CapitalOne willnot giveyou arefund forthe annualfee evenwithin the30 days.Why theywant youto closethe cardrather thandowngrade it,I dontknow. XXXX importantto notethat CapitalOne veryoften offersan annualfee waiverif youagree tokeep thecard openas-is, andyou havea perfectpayment history.So itsdefinitely worthasking forthe waiverfirst. 

Its alsoimportant tonote thatwith CapitalOne downgradesare notalways available.They canbe targetedfor eachaccount. Somecardholders arenot ableto downgradetheir CapitalOne creditcard.

Whom can I contact or what should my next steps be to get that fee refunded!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
I have been disputing this collection account on XXXX since XXXX Once I dispute it within 1 week they come back as accurate information. Trident Asset Management is trying to collect on a remaining balance that is not collectable. XXXX XXXX Credit Card sent my account to the original collection company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which XXXX collected for them on this debt. They settled with me for a lesser amount. The original amount was {$700.00} I paid {$560.00} on XX/XX/ which left a remaining balance of {$140.00} which I didn't have to pay because they settled. I have sent letters from this agency stating that I have settled my balance and I do not owe anything more. This company XXXX and Trident will not remove this balance of {$140.00} they are trying to collect which is not collectable since the account was Settled in full from my report. I have been fighting them since XX/XX/. Please help me get this error off my report and stop them from putting it back on and stop them from trying to collect on something they do not have a right to collect on. I have never ever received anything from this Trident Asset Management company this whole time. I do not know who they are or how they got ahold of my written off balance. Please help me I am begging you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I received a call from my new mortgage loan servicer regarding my payment being late. On XX/XX/XXXX I informed the representative that I only get paid once a month and I would pay my bill for both payments I'm behind on the XXXX of this month. I have been still getting calls and today a letter were placed on my property gate for the company stating they haven't been able to reach me. I have spoken with the company and told them my attention to this matter. They still harassed me afterwards.

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 2023-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I used the Optum XXXX method to transfer {$560.00} to the provider account associated with an Optum bill. The provider, however, never received this payment, and I paid them afterwards using additional funds from my HSA.

Optum has not credited or returned to my account the {$560.00} that I sent in error. I have tried to resolve this issue with them over the past year, starting in XX/XX/XXXX, when the provider notified me of non-payment and I first learned of the error. Optum sent me an email with the information related to the errored payment, and I asked them to credit my account with the balance, but they have failed to provide me with confirmation that it has been returned. Additionally, the balance has not been returned to my account. 

I am frustrated with the service I have received and would just like to have the balance credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Account XXXX credit card was paid off XX/XX/23. 
I received additional notice that there was a $ XXXX fee still on the account after paying off the amount indicated in the latest bill at that time. Starting in XX/XX/2023, Comenity Bank started sending harrassing telephone calls multiple times per day. 
XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 4 calls + 2 additional 'no caller ID ' calls XX/XX/23 - 5 calls + 3 additional 'no caller ID ' calls XX/XX/23 - 1 call + 2 'no caller ID ' calls XX/XX/23 - 1 'no caller ID ' call XX/XX/23 - 2 calls + 2 'no caller ID ' calls XX/XX/23 - 4 calls + 1 'no caller ID ' call, hourly between XXXX and XXXX CST I finally figured out how to sign in online and paid the " XXXX '' in fees that I have been charged after already paying off the amount listed on my payment in XXXX. 

I want the company to reimburse me in the amount of {$100.00} for the additional changes and unnecessary harassment and will continue to escalate this and share my story on social media because these practices are unlawful and there's no amount that can reimburse the damage this company has now placed on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This information is incorrect in my report. REMOVE THIS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
This information is incorrect in my report. REMOVE THIS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 three payments of {$200.00} each were deducted from my checking account but only two of the payments were credited to my account. Unable to get thru by phone I emailed customer service and none of their responses made sense even though I had sent them proof from my bank account that the payments had been made. 

When I finally got thru to some one the phone they puled the proof that I had sent via email and handled the dispute telling me it would take 72 hours and that if I didnt hear back to contact them again. Upon contacting them after 72 hours I was told that a letter would be sent to me and that I would have to wait for that, the letter came today. Nothing on my account at their website, no decision from the person I spoke to, no decision via email. 
As stated in my attached letter their resolution doesn't make any sense as they stated that I requested a transfer from " the account ending in XXXX ''. I don't have an account ending in XXXX and would like that clarified as the insinuation is that they are transferring the payment from one of my accounts to another. This company has no idea what customer service is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been disputing a fraud charge with Bank of America since XX/XX/2023 ; the claim has been denied twice. Attached you will find a timeline of actions taken and supporting documentation. Sadly, I know exactly what I was doing the day of the fraud charge. My family experienced a death by XXXX at approximately XXXX XXXX on XX/XX/2023 ( the day of the fraud charge ). I made phone calls to family members, ordered food, made a delivery of food to the parents of the XXXX victim, and spent most of the day at their home. I can provide witnesses that will attest to these facts and my phone records will show the calls I made that day. I appreciate any help you can provide in disputing this fraud charge. Thank you!

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$9400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$9400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-23 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am upset that this company has put and HARD INQUIRY on my credit report & denied my application.And that alone in DISCRIMINATION and them denying me my own credit.That I applied forThis left my report in a default type of way and it is redline activityPlease make them remove this now.This has mentally cause me distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX from Genesis credit reached out to me regarding an outstanding debt to XXXX XXXX for an apartment I vacated back in XXXX. The representative requested I pay the amount of {$2600.00} quoting an invoice the rental company sent in XXXX of XXXX. Said invoice charged an alleged unpaid month of rent, XX/XX/XXXX. I explained to him that the invoice he was using was preceded by a redacted invoice sent in XXXX of XXXX where the rental company accredited the month of rent for the amount of {$2100.00} which was the result of a promotion the company had that consisted of the first month of rent being free if I moved in within a certain date but their system wasn't updated properly and it didn't recognize the unpaid first month as part of the promotion but rather tagged it as unpaid. After I reached out to the company, they provided the credit under - Unapplied Payments/Credits on XX/XX/XXXX, with the credit description of " rent '' thus confirming this was an error on their end and bringing down the balance to a total of {$410.00} I explained this to the representative, and he stated that this information was irrelevant to his duty because his only job was to " collect the debt ''. I have sent him my statements showing the rent payment and I have provided the redacted bill from the rental company, but he claims that I must pay the {$410.00} in full for him to validate my dispute and it is required for me to show " good faith '' by paying this in order to him to investigate. I stated I do not feel comfortable paying this amount without him properly validating and adjusting the claims and he said that if I refuse to pay, he will note my account as " refused payment '' and he will send me directly to the credit bureaus. I feel this is abusive in his part, as a representative of a debt collecting agency, I feel it's his duty to validate my claims specially having provided him with evidence that support my dispute and I feel coerced into making a payment without being given the courtesy to validate my claims. I am afraid that after I make the payment, he is demanding he will not move forward with investigating my claims and then I will still be sent to collection for the amount I'm being wrongfully charged. 

In the three interactions I have had with this employee, he has used every tactic in the book, manipulation, intimidation and coercion to try to get me to settle and pay the amount he deems appropriate. If they are doing this to me, they're most definitely attempting to take advantage of others, I have the fortune of working in Finance which allows me to know better than to give in their tactics, but what about those who are not familiar with their rights? They get taken advantage of or worse, sent to collection without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist has an app called the XXXX XXXX that they advertise that you have to link a Truist Account to. Supposedly, by signing up for the XXXX XXXX you can be entered into a weekly drawing to win $ XXXX called XXXX XXXX. I googled XXXX XXXX and the only thing that comes up is the Truist XXXX XXXX- i don't think this weekly drawing for a XXXX dollars actually exists. I think this is a clear UDAAP violation for deceptive practices. I think they are doing research into XXXX 's and created a bunch of fake websites such as XXXX which has a fake conference called the XXXX XXXX XXXX ( XXXX ) to hype up this fake game. It's weird but it all appears to be fake. Please look into this CFPB! Thank you.

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 2023-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to 15 U.S.C 1681b XXXX has violated my rights. 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
Also according to 15 U.S.C 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. 
( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE, THAT SUCH INFORMATION MAY BE DISCLOSED TO SUCH THIRD PARTY.

1.PERMISSABLE PURPOSE = WRITTEN INSTRUCTIONS.

2. WITH PERMISSABLE PURPOSE = CONSENT 3. WITHOUT PERMISSABLE PURPOSE = IDENTITY THEFT. 
I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS OR CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT. 
WHICH MAKES THIS IDENTITY THEFT.

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