vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 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: DISCOVER BANK
State: NV

Complaint narrative:
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I keep receiving unknown charges from Apple services to my apple card. I've called Apple Care to attempt to get them to find the account the charges are coming from and they are not doing so. I've called Apple Card support ( Goldman Sachs ) they are also not assisting. The charges have been happening for about a year. They first started at XXXX and now it's recently {$65.00}. These charges happen everyday either once a day or multiple times per day. The last attempt was today XX/XX/2023 for {$65.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I applied for a {$10000.00} auto loan at PNC Bank where I have a checking account on XX/XX/XXXX in good faith to purchase one of two XXXX XXXX vehicles that were recently advertised by a XXXX dealership in XXXX, California and a private party in XXXX XXXX, Arizona. Less than 5 minutes after I left the bank to go by to my work location at XXXX XXXX XXXX I received an email notification that my application had been rejected. When I called the bank the next day the employee at the bank claimed that the bank had done their " due diligence '' when coming to a decision to deny my loan application. I am XXXX XXXX XXXX and collect Social Security while working full-time at XXXX XXXX XXXX  XXXX I believe my age played a role in my loan application being denied. There are no records of any soft or hard inquiries from PNC Bank for the month of XX/XX/2023 when I applied for a loan. My disdain for this bank and its disrespect towards me should not be tolerated and now executives from the bank are trying to contact me to talk about what happened and the way I was treated. This is no way to treat loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent payments to chase bank c/o chase ink which they are not honoring. i have sent 2 coupons back to the address card services which they said to send the conditional payments. chase has yet to credit my card and continues to report on my business acoount which i gave no authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one approved a credit card with a limit of {$5500.00}. I had already used {$1300.00} and made my first payment when I discovered a fraudulent charge was made on the credit card for {$210.00}. Naturally I contacted the fraud department and disputed the charge. Capital one open a fraud case and then they refunded the {$210.00} back to my account. Then a week later my account was restricted and I was emailed to contact the fraud department. I called the fraud department and was told that I needed to verify my identity by submitting s copy of my social security, 3 months Bank statements, 3 months employment paystubs and both sides of my drivers license. I asked what was all this about but representatives did not have an answer. So I submitted what I felt like they needed and waited. I called them again and asked why the credit card was still restricted? The representative stated that the documents were not approved, only the # SS card was approved and that I needed to resubmit everything again. Shortly after that conversation I received and email letter stating that I was no longer approved for the credit card. This is a problem because now my credit score dropped due to the reversal of the {$5500.00} credit limit and the outstanding balance of {$1300.00}. I feel like this is retaliation or discrimination but either way Im filing this complaint and hopefully an attorney wont have to get involved. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account XXXX Date opened XX/XX/16 XXXX XXXX I have submitted an ftc form I called the credit Bureau

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 2023-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: ND

Complaint narrative:
I was calling XXXX because a company that I work for needed a letter from my bank indicating that I hadn't received a paycheck from their accounting services, XXXX, in the amount of {$220.00}. I XXXX  the Customer Service number for Chime. Called the number that came up several times attached to their website. The person on the phone answered as they always do. Asked me the same identifying questions. They told me that my ID number had expired and that I would need to update my account to get a new ID number. They told me to hold. I could see my screen moving around next thing I saw was {$540.00} gone from my account. Then, they hung up on me. I tried calling them back, no answer. I XXXX  Chime again, called another number for them, told them what had just happened. They never asked me what number I called, said they would put the dispute in. They denied the dispute right away. They said it was because I was a part if the transaction. I told them I did nothig wrong. Told them I thought I was talking to them XXXX XXXX I did it authorize this. I have called them several times each day since this has happened explaining everything over and over to whoever answers the phone and they keep denying me. This is horrible. Now, they just closed my debit card without telling me. They won't expedite my card to me. They are being terrible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: DC

Complaint narrative:
In response to my initial CFPB complaint on XX/XX/2023, LexisNexis requested additional proof of identitya clear copy of my driver 's license or social security card, along with the most recent utility bill or credit card statement indicating my current addressin their communication dated XX/XX/2023. This requirement, not stipulated on their website for accessing a consumer profile or initiating a dispute, raises serious concerns about their compliance with established procedures. 

In response to my complaint filed on XX/XX/2023, LexisNexis claims to have reached out via email on XX/XX/2023, but did not receive a response. I responded the same day requesting information verify the email was coming from LexisNexis/representative, since they were requesting sensitive identity information via email. I received no response. 

This discrepancy, along with their persistent refusal to grant access to my profile despite receiving all requested documents, points to a potential violation of federal laws and indicates the use of delaying tactics. They falsely claimed they did not receive a response when email records clearly indicate that I responded twice. 

In light of these facts, I urge the CFPB to investigate these violations by Lexis Nexis and ensure compliance with federal and state laws governing consumer rights and credit reporting standards. I seek immediate rectification of my consumer profile and appropriate measures against LexisNexis for their non-compliance and negligent handling of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
XX/XX/23 contacted mr.cooper servicemac costumer service for portal being down. 

Have tried logging in since XX/XX/23 website still down unable to make payment. 

XX/XX/23 notified that service XXXX XXXX address is not responding and XXXX will keep attempting to send it for XXXX hours

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: CA

Complaint narrative:
I opened an inquiry against Experian # XXXX XXXX weeks ago. This company while they supposed to answer me about the inquire, they emailed me today stating my credit changed, it looks they ignored the Dispute I filed against XXXX XXXX for services not rendered for the amount of {$1000.00}. ( XXXX XXXX it looks lie to the CFPB in their previous responses when I opened at least 7 inquires for the dispute amount of {$1000.00}, The said they will report this account as Disputed In fact, XXXX according with Experian stated XXXX is Flagged this account as past due account and Delinquent and even They added additional Charges to the Dispute Account for a total of {$1100.00}. 
Experian is aware of the dispute on this account instead to correct it and remove it Experian made it worst adding even a wrong amount {$1100.00} and Branded the Account as DELINQUENT/POTENTIALLY NEGATIVE. 
I went in its Experian website to file my concern and demand them to remove this account as delinquent/potentially negative, The same I'm doing here, If they don't remove it then I don't have more option than file a Lawsuit against them and XXXX XXXX for reporting a damaging credit report. I'm attaching here the same documentation I did in their website.

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 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a checking account on XX/XX/2023 with US Bank to receive the {$300.00} bonus. Completed the {$5000.00} qualifying deposits within 90 days of opening the account, and 60 days after the 90 days - I have not received my bonus ( XXXX is the deadline for deposit ). Called numerous times, and now I am told that there was an error with depositing bonus for a group of customers.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: SC

Complaint narrative:
am writing to dispute the information on my credit report related to the account with the account number XXXX. The discrepancies in the reported information are as follows : 1. Account Status Discrepancy : XXXX : Derogatory XXXX  : Paid XXXX : Paid 2. Monthly Payment Discrepancy : XXXX : {$0.00} XXXX : {$0.00} XXXX : {$0.00} 3. Date Opened Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 4. Balance Discrepancy : XXXX : {$0.00} XXXX : {$0.00} XXXX : {$0.00} 5. Payment Status Discrepancy : XXXX : Current XXXX : Unknown XXXX : Current 6. Last Reported Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Comments Discrepancy : The comments on the account mention that it is " Settled - less than full balance '' and " Account legally paid in full for less than the full balance. '' These comments are inconsistent with the reported payment status. 
I request a thorough investigation into these discrepancies and urge you to correct the inaccurate information on my credit report. Please provide me with the results of your investigation and a corrected copy of my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BILL.COM, LLC
State: NJ

Complaint narrative:
account was closed but they can not provide a reason why or allow me to try to get it reopened. there is a negative balance on the account ( I am owed money for a credit that hit the account after it was shut by them ) I have contacted them over a month ago see what they can do and they said they would be sending out a check for the amount but it never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against TransUnion, XXXX, and XXXX for reporting a child support obligation on my consumer file. Child Support obligations are not consumer debt and therefore can not be reported on credit reports, as per the ruling in XXXX XXXX Trans Union LLC.

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 2023-12-24 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: MS

Complaint narrative:
I made a complaint with XXXX, Equifax, and XXXX  on XX/XX/2023 about the identity theft complaint regarding my credit report that is affecting my credit. The Information that i reported on XX/XX/2023 was supposed to be blocked and deleted within 4 business days from XXXX has been 10 days and is a violation of the FCRA and i am requesting it be deleted ASAP because it causing me suffering and harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: MS

Complaint narrative:
I made a complaint with XXXX, XXXX, and experian on XX/XX/2023 about the identity theft complaint regarding my credit report that is affecting my credit. The Information that i reported on XX/XX/2023 was supposed to be blocked and deleted within 4 business days from XXXXIt has been 10 days and is a violation of the FCRA and i am requesting it be deleted ASAP because it causing me suffering and harm.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
am writing to dispute the information on my credit report related to the account with the account number XXXX. The discrepancies in the reported information are as follows : XXXX. Account Status Discrepancy : TransUnion : Derogatory XX/XX/XXXX: Paid XXXX : Paid XXXX. Monthly Payment Discrepancy : TransUnion : {$0.00} XXXX : {$0.00} XXXX : {$0.00} XXXX. Date Opened Discrepancy : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. XXXXalance Discrepancy : TransUnion : {$0.00} XXXX : {$0.00} XXXX : {$0.00} XXXX. Payment Status Discrepancy : TransUnion : Current XXXX : Unknown XXXX : Current XXXX. Last Reported Discrepancy : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Comments Discrepancy : The comments on the account mention that it is " Settled - less than full balance '' and " Account legally paid in full for less than the full balance. '' These comments are inconsistent with the reported payment status. 
I request a thorough investigation into these discrepancies and urge you to correct the inaccurate information on my credit report. Please provide me with the results of your investigation and a corrected copy of my credit report as soon as possible

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
am writing to dispute the information on my credit report related to the account with the account number XXXX. The discrepancies in the reported information are as follows : XXXX. Account Status Discrepancy : XXXX : Derogatory XXXX  : Paid Equifax : Paid XXXX. Monthly Payment Discrepancy : XXXX : {$0.00} XXXX : {$0.00} Equifax : {$0.00} XXXX. Date Opened Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Balance Discrepancy : XXXX : {$0.00} XXXX : {$0.00} Equifax : {$0.00} XXXX. Payment Status Discrepancy : XXXX : Current XXXX : Unknown Equifax : Current XXXX. Last Reported Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Comments Discrepancy : The comments on the account mention that it is " Settled - less than full balance '' and " Account legally paid in full for less than the full balance. '' These comments are inconsistent with the reported payment status. 
I request a thorough investigation into these discrepancies and urge you to correct the inaccurate information on my credit report. Please provide me with the results of your investigation and a corrected copy of my credit report as soon as possible

Company response to consumer: Closed with explanation